 June / July 2021 Organizing Printed Photos Organizing printed photos takes time but it is well worth the effort. Is it ranked low on your priority list? Do you repeatedly say, “someday” when you think about this task? It helps to have a specific project in mind. What is your reason? Why do you want to organize your photos? Having purpose and goals will help you stay focused on the finish line. For example I have recently accomplished several photo projects including: Christmas photo books for myself, my daughter, and mother-in-law. I also did a High School photo book and a Senior Photo Collage Board for my son, Connor. He just graduated from Oconee County High School and will be attending Georgia Southern in the fall. Begin by gathering all of your printed photos. You may have them in Albums or boxes and probably both but pull them all together. Once you have located all of them you can begin sorting your photos into groups chronologically. Decide how you want to sort them: person, family, or birthdays, vacations, holidays or events. There is no right or wrong way to organize them. Once you have decided how you want to organize them, start the process. You can always change the order later on, if it is not working well. It is always a good idea to get started. You will never finish and you will never know how easy or difficult the task is, until you get started. Just Do It! Getting started will probably be the hardest part. I recommend having temporary boxes, containers, or clear plastic storage bags to store your “working” piles in. Also, have a sharpie, labels and/or post-it-notes available to label each pile. This will allow you to put your work away and begin where you left off, rather than starting all over again...again and yet again. This can happen, if you don’t organize your progress. As you go through your piles of photos make sure to discard: -Duplicates -Photos you don’t want anymore -Blurry photos When I started sorting my photos I had so many that were not even mine. My sister used to send me duplicates of her vacation photos. That was back in the day when people sent their film out to be developed, it did not cost extra to have an additional set printed. Storing Your Printed Photos Once you get into a rhythm of sorting and purging photos you will need to decide how to store them long term. Here are some options: -Store photos and documents flat -Store in a dark room like an interior closet with stable humidity and temperature -Photo Box: photos stored standing up or flat -Archival Photo Box -Photo Album -Scrapbook Album Scanning photos To scan or not to scan...that is up to you. I recommend scanning your most precious important photos. They are probably photos you already have in frames. Scan them to preserve them. If you have lots of photos to scan I recommend Modern Image in Atlanta. They are reasonably priced and you can mail or drop off thousands of photos to them. Another company is Pixorium for scanning. Want a Storybook created by a Professional? I highly recommend Pixorium. While you sift through your photos you will undoubtedly find some favorites. When you do, pick a few to display now! This will encourage you to keep going and you can appreciate them everyday. Here are some options for displaying your photos: -Frames -Photo Tree -Photo Collage in Frame -Shutterfly has great products available to display your photos in creative ways. -Photo Montage wallpaper Enjoy your Photo Organizing. Adele Gross Daily Money Management, Professional Organizer & Downsizer Simple Solution Organizing LLC 706-714-1314 www.simplesolutionorganizing.com
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 April / May 2021
Starting a Supper Club Most people I know are craving to spend time with family and friends. It has been 14 months of Covid-19 restrictions. My Supper Club group has not had a formal gathering during this time but we have had lots of outdoor get-togethers. If you have ever thought about starting a Supper Club now might be a good time to do it (if everyone is vaccinated of course)! Supper Club is an important part of my family’s life. I have participated in various Supper Clubs for 21 years. The people, location, and “rules” have evolved but the sole purpose has never changed: spending quality time with friends on a regular basis. It all started when a good friend, Sharla, in Gulf Breeze, Florida suggested we start a girl’s and kids Thursday night get together at her home. Sharla had the nicest house of the bunch; it was very conducive to FUN! She had a beautiful swimming pool connected to her living room via a wall of sliding glass doors. We socialized, with cocktails in hand, while our young kids burned off energy swimming and playing. It was a welcome release for all of us. My friend’s and I talked about our week: the good, bad, and the ugly. Each week we rotated bringing an entrée and on occasion our husband’s would join us and other friends. We looked forward to it week after week. Lives change through the years and eventually our Supper Club fizzled out. We continued to get together sporadically; however, it was never quite as special. My family moved from Florida to Georgia in the summer of 2003. Some of our neighbors invited us into their Neighborhood Supper Club in Athens, Georgia. Again, lives change, people move and eventually that Supper Club dissolved. However, a few of the original families still get together, month after month (not in 2020 because of COVID). We are 1 of 5 families that continue to meet. These families are so special to us. Our kids have grown up together through our Supper Club gatherings. Our kids attend different schools and live in different neighborhoods but they all enjoy and look forward to our Supper Club dinners. They often ask their parents, “When is Supper Club?” That really warms our hearts. I almost cancelled, one of our most memorable Supper Club dinners that my family hosted. I had hurt my back the day before. I was in a lot of pain and considered cancelling but my son, Connor, begged me not to. I am so glad that we did not cancel it. It was one of the best parties ever and we started a new tradition: sharing old photos of yourself from High School or younger. Many of us laughed so hard we were crying and I think someone in the group may have experienced incontinence. Our Supper Club is unpretentious. We meet at people’s homes, parks, restaurants, bowling alleys, pumpkin patches, and any other venue that sounds inviting. The goal of our Supper Club is to meet and spend time together, the place and the food is really secondary. We invited two new families to join our group several years ago. The decision to add new families was not decided lightly; it was given a lot of thought and discussion. There was more food to purchase and more kids running around but we are so glad for the companionship. Let’s talk about how to get started with a Supper Club:
The fun times continue in our group; we look forward to many more gatherings. Adele Tusson-Gross Supper Club Coordinator, Daily Money Manager, Professional Organizer & Downsizer Simple Solution Organizing LLC www.simplesolutionorganizing.com  I copied and pasted this newsletter from a company that offers Daily Money Management services in New York and California: Eddy & Schein. This article is excellent at explaining common mistakes made by Seniors and the solutions to fix them. They did leave out an important mistake: Make sure that all of your Beneficiaries are updated. If you are divorced are you leaving money to an Ex Spouse? I have heard a couple of horror stories. It is a good idea to revisit and update Vital Records. 10 Mistakes to Avoid: Make the Senior Years Easier Here are 10 mistakes that can be avoided in caring for your parents or preparing for your own senior years. Many do not take a lot of time or work, and can save your family time, stress and money. 1. Not having your will, power of attorney, health care proxy, living will (or updated versions) and funeral arrangements in place 2. Not planning for living a long time even if will and estate planning have been completed (where will you live, how will you pay for long term health care and still have money for your living expenses?) 3. Not balancing your checkbook or reviewing credit card charges 4. Moving your mom to an assisted living facility where she may be uncomfortable and disoriented because you did not know she could live with help in her own apartment 5. Paying medical bills that should have been covered by insurance, or not paying medical bills that were not covered by insurance 6. Letting your picture ID expire 7. Not creating a budget to fit your lower level of fixed retirement income after years of living on a higher salaried income 8. Doing a fabulous job of investing, but keeping it all in certificate form and handling a multitude of dividend checks 9. Not filing taxes for several years due to illness or feeling overwhelmed by the paperwork 10. High net worth individuals making large purchases through accounts without transferring in sufficient funds to cover the purchases Turn the page for solutions Page 2 1. Not having a will, power of attorney, health care proxy, living will (or updated versions) and funeral arrangements in place Solution: Update your documents While the will, power of attorney, health care proxy and living will do not have expiration dates, you want to make sure that they will be effective when needed. If you do not have these documents, or you want to update them, set an appointment with an attorney to discuss your estate plans and to get your documents drafted. In preparing for your meeting, here is a list of what you should consider: Will: • List your assets, their values and how title is held. • Think through to whom you would like to leave your assets. • Do any of your beneficiaries have special needs? • Do you want a trust for a beneficiary? Who would be the trustee(s)? • Do you have under-age children? Who would be the guardian? • Who would you like to be the executor of your estate? Make sure your executor still has the capacity to serve for you. • Always choose someone as a back up to your primary executor, trustee and guardian. • Prepare a family tree. Are your closest next of kin first cousins or are they more distant cousins? Power of Attorney: • Who would you choose to have responsibility for your finances if you become incapable of handling them yourself? • Who would you choose as a back up person? Make sure at least one lives nearby. • Ask them if they would be willing to take on this responsibility. • You may name more than one person to serve together if you want to create a check and balance. Page 3 Health Care Proxy and HIPAA forms: • Who would you choose to make health decisions for you if you are incapable of making them? • Who would you choose to be back up? • Do they live within close proximity so they can be available to help out if and when needed? If they live far away are they readily accessible by telephone? • Will this person be able to follow your wishes to end your life, even if their wishes differ? Make sure to discuss your thoughts and wishes with them and ask them if they can carry out this responsibility. If they cannot, choose someone else. • You can only name one agent to serve at a time. However, you can name successor agents to act if the primary agent is unable to be reached. These people would be listed on the health care proxy form and the separate HIPAA or medical release form which gives your health care agent the authority to speak with insurance companies, hospitals and doctors. The Living Will: A living will describes the specific measures you would want your health care agent to take in the event you were unable to convey your own instructions regarding your medical care. The living will can be as simple or as detailed as you wish. Think about what measures you would want used if there was no reasonable hope of your recovery to any level of cognitive existence. Funeral Plans: Planning for a funeral does not have to wait until after death. You can make arrangements now to avoid leaving the burden and responsibility to your family and friends. Whether to protect your religious preferences or to make sure money is set aside, you can pre-plan your funeral. This is done by contacting a funeral home and, where appropriate, your place of worship, and planning your funeral. The funeral home will then give you a bill, based upon current costs, and ask you to pay a portion of it. The money is held in an escrow account and will earn interest until your death. After death the funeral plans can be revised and the costs are updated to the prices then in effect. Any balance would be due at that time. If you are Medicaid eligible, the money that is paid to the funeral home is exempt and not counted as a resource for Medicaid eligibility. This allows you to ensure that your funeral is properly paid and will not become a financial burden for your family. Page 4 In addition, some states provide for who may make funeral arrangements. The hierarchy is usually akin to inheritance rights with spouse and children having priority before parents, siblings and more distant relations. In some states an individual can designate whom they want to make their funeral arrangements and override the statutory hierarchy. If you are not emotionally close with your family or do not have closely related relatives, you should consider prearrangements for your funeral and consult with an attorney about designating someone to make sure those arrangements are carried out. [Written by Marcie G. Roth, elder law attorney] 2. Not planning for living a long time even if will and estate planning have been completed (where will you live; how will you pay for long term health care and still have money for your living expenses?) Solution: Buy long term care insurance or see an elder law attorney An important reminder: Medicare and supplemental (secondary) insurance DO NOT cover long term custodial care. They cover routine care and short term hospitalization and rehab. So.... • If you are healthy enough to be eligible for long term care insurance, buy it. If you have diagnosed health problems, it is still worth exploring the possibility of buying long term care insurance, because you may be insurable. You won’t know unless you ask. • If you are not eligible for long term care insurance and you do not have the funds to cover long term health care expenses, explore becoming eligible for Medicaid. Depending on the state in which you live, it can be an excellent option. • See an elder law attorney, who specializes in planning for long term custodial care and assessing eligibility for Medicaid benefits. Plan EARLY to learn what is needed to be eligible for Medicaid benefits should a major illness strike. By preparing now, you will be able to live at home with home health aides, or if necessary, go to a nursing home. Planning while you are healthy is the key. • Before seeing your attorney, put together a list of your assets and income to share with the attorney. Page 5 3. Not balancing your checkbook or reviewing credit card charges Solution: Accept help from a family member, friend or a hired daily money manager/financial organizer What was once easy to do can get more difficult as eye sight fails, memory worsens, or handwriting becomes hard to read. Being willing to accept help from a family member, friend or a hired daily money manager/financial organizer will ensure that bills get paid, there are sufficient funds in the checking account and that improper credit card charges are challenged. Getting help will increase the chances of being able to stay in one’s own home. 4. Moving your mom to an assisted living facility where she may be uncomfortable and disoriented because you did not know she could live with help in her own apartment Solution: Look into home health care options Suddenly there is a phone call; Mom has fallen and broken a hip and has been taken to the hospital. Or she has had a stroke but with therapy should be able to walk with a walker and talk again. The immediate reaction is that once Mom is better she has to be moved to an assisted living facility or a nursing home. This is not necessarily the best decision. After all, she may be happiest staying at home in the neighborhood where she has lived for so many years, using the same hairdresser, buying from the same bagel shop and green grocer. Yes, changes will have to be made in the apartment and help may need to be hired, but the choice to stay at home should be given serious thought. There are geriatric care managers who can help you assess the safety issues of the home environment, arrange for improvements and help you and your mom find the best home health aides. And the good news is that even if she does not have enough money to hire home health aides, Medicaid benefits may be available. Speak with an elder law attorney about eligibility for your state’s community Medicaid programs. Page 6 5. Paying medical bills that should have been covered by insurance, or not paying medical bills that were not covered by insurance. Solution: Ask for help or hire a daily money manager Let’s face it: The paper work around illness is huge. After a hospitalization, the bills start coming in from the hospital, from the individual doctors, from the radiologists, from the labs, etc. Then the EOBs (Explanation of Benefits) from Medicare and your secondary insurance company come in. The pile gets bigger and bigger and more and more confusing. You are used to paying your bills in a timely way, but what to pay and what not to pay? Just when you are recuperating from your illness, the last thing you want to do is face that pile, that confusion, those phone calls to sort it all out. Some people start paying bills that will eventually be paid by the insurance companies, or they wait and don’t realize it is time to pay some of the bills. Consider asking for help from a family member or friend who likes this kind of detail work. Alternately, hire a daily money manager/financial organizer who is skilled in dealing with medical billing and insurance companies. 6. Letting your picture ID expire Solution: Keep IDs current “I’m not driving anymore - no need for a driver’s license.” “I am not traveling anymore - no need for a passport.” Wrong. Banks require two forms of picture ID to open accounts, to reactivate accounts, to confirm that the old signature in their files belongs to the same person whose signature has changed over the years. We have had too many clients who did not have the necessary ID and they did not have the energy, desire, or ability to go to the Department of Motor Vehicles for a non-driver’s ID; nor did they have the documentation required to submit proof of identity to get a passport. Hold on to your photo IDs and get them renewed regularly. If they have expired, take the time NOW to get new photo IDs. Page 7 7. Not creating a budget to fit your lower level of fixed retirement income after years of living on a higher salaried income Solution: Work with a financial planner to develop a budget You have worked all your life and you have done well. You own your city home and your country home; you have a nice investment portfolio and a good pension along with the top level of income from Social Security. But now that you are retired, the income is fixed income and it is not what you were making when you worked. It is time to develop a budget to fit your income and be sure to include in that budget the cost of long term illness if you do not have long term care insurance. Be sure to see a financial planner to help you come up with the best plan. 8. Doing a fabulous job of investing, but keeping it all in certificate form and handling a multitude of dividend checks Solution: Move your investments to an investment management firm Some seniors have over the years invested on their own, little by little, in excellent stocks. A number of them now have portfolios worth over $500,000. Stock certificates may be in a safe deposit box at the bank, or in less secure places like shoe boxes, piles on tables, or file drawers. Often outdated, uncashed dividend checks are in among other papers. Careful tracking of cost basis, stock splits, mergers and incoming dividends, which gave enjoyment in the past, may now cause seniors to feel overwhelmed. This can happen to people with small or large portfolios. Before the confusion happens, we encourage everyone to document what you own, find a reputable investment management firm, and take all your stock certificates and bonds to the firm. If this is already too much of a challenge, get a family member or daily money manager/financial organizer to assist you. From now on you will get one monthly statement, the dividends will be deposited directly into your investment account and when you need money, it can be transferred into your checking account. If you don’t need the money, the dividends can be reinvested to earn you additional Page 8 income. At the end of the year, you will receive one IRS Form1099 which you can take to your accountant for taxes - no more collecting 1099s from every company with which you hold stock. In addition, life will be much easier for your power of attorney, should you need one, and eventually your executor. 9. Not filing taxes for several years due to illness or feeling overwhelmed by the paperwork Solution: Ask for help from a friend or hire a Daily Money Manager/Financial Organizer Preparing financial records for your accountant is rarely anyone’s idea of fun. Imagine not getting around to it year after year and the IRS and State are putting liens on your bank accounts. At some point you need to pull together your documents and get them to an accountant who can negotiate a deal on your behalf regarding penalties and interest. In order to do this, you may need to have a family member, a friend, or a daily money manager/financial organizer come into your home to sort through your papers. Back tax returns can be filed, but it will probably require asking for help. Don’t put it off any longer. 10. High net worth individuals making large purchases through accounts without transferring sufficient funds to cover the purchases, causing problems Solution: Ask for help from a friend or hire a daily money manager Once you could maintain a general idea of how much was in your checking account. Now, even though you are able to have full blown intellectual conversations, finances are becoming more difficult. It is time to hand over the balancing and reconciling of the checkbook to a family member or a daily money manager/financial organizer. Be sure to inform your new “financial assistant” of large purchases in sufficient time to get a transfer made to the checking account. Page 9 In summary, it pays to take care of these important documents, financial and legal matters and get yours or your parent’s affairs in order before there is a health crisis. It will bring peace of mind knowing you can find documents, bills are paid, and your parents are secure. Having your papers accessible and up to date is the best way to prepare for your senior years, and take the burden off of your children and family members. Thank you to Marcie G. Roth, Esq., an elder law attorney and partner of Singer, Block, Matles & Roth, for her editing and suggestions in the legal sections. © 2014 Eddy & Schein, Inc., all rights reserved Eddy & Schein In-Home Administrators for Seniors™NEW YORK Adele Tusson-Gross Owner/CEO Simple Solution Organizing LLC 706-714-1314 January is a time to put our lives into perspective. Many people ponder about making changes to improve their lives. Some of the top Resolutions are losing weight by going on a diet and/or starting an exercise regime, getting a better handle on finances: resolving to spend less and save more, and to get organized. Unfortunately, most of these good intentions will not be successful endeavors. An action plan is imperative to keep yourself on track. Research proves that having a plan helps. Specific measurable tasks can help you achieve your goals. Want some ideas that you can incorporate into your life for 2021? I came across this online article on Good Housekeeping, it’s really good. “55+ Achievable New Year’s Resolutions for Healthier and Happier Living” It lists important resolutions that you might not think of like getting more sleep and cooking 1 new dish each week (our family has been doing this for a couple years). We probably did a new dish 2 to 3 times a month. It’s fun to try new recipes. We enjoy trying new recipes so much that we enrolled in several different Meal Kit Delivery Services. We have tried Sun Basket, Hello Fresh and Blue Apron. We are learning about different spices and cooking techniques. Most of these services give discounts to new subscribers. Dr. Ivor Benjamin, director of the Cardiovascular Center and professor of medicine at the Medical College of Wisconsin in Milwaukee. Dr. Benjamin, a Cardiologist, tells his patients “Remember to look for progress not perfection.” Making small improvements and being realistic with yourself is key. Melissa Kirsch, New York Times Journalist, article entitled “Make Tinier New Year’s Resolutions This Year”. "For 2021, why not go gentle on the resolutions, keeping in mind that your nerves might be frayed, your zest for a life overhaul a bit depleted? Just as, earlier in the pandemic, I suggested making tiny changes in your day in order to create a routine instead of adopting a rigid schedule, you might look at resolutions as ways to tinker with your habits, not to totally replace them." I will share my Resolution (Intention) with you. I want to Meditate on a regular basis. I downloaded an App: Calm. I paid $70 for the year. I will be much more likely to Meditate now since I paid for it. Money is a big motivator. I want to be less stressed and more mindful in 2021. Gift Card Tip: Create a digital folder in your e-mail inbox titled “gifts”. Move emails that have gift cards or gift certificates into this folder. I also recommend creating a reminder to redeem them in your calendar. Surviving 2020:
Adele Gross Owner/CEO Simple Solution Organizing LLC   Smart Kitchen Organizing for the Holidays
With Thanksgiving coming up, keeping your kitchen organized is a must! On top of looking nicer, an organized kitchen makes everything easier to find when you get down to cooking. Here are a few tips that can help you reorganize your kitchen for Thanksgiving Day and all the upcoming holidays. Tip 1: Know Your Essential Cooking Items My first tip is to know what needs to be in your kitchen to cook a delicious meal! With all of the interesting gadgets available for your kitchen, it’s important to understand that sometimes less is more. Downsizing can make your life easier because no one wants to be sifting through a pile of junk to get to the knife you use all the time anyway. I like to follow Jamie Oliver’s (from The Naked Chef) recommendations in his book Cook with Jaimie: My Guide to Making You a Better Cook (p. 14). One of the basic essentials Oliver recommends is nesting mixing bowls in various sizes. I use them all the time. Here are additional sources for more ideas:
Tip 2: Group Similar Items My next tip is to group kitchen tools by their uses and to place them near each other. These groupings can be sorted in any way that makes sense to you, but some examples of what I like to do is to group all of my knives together or to group my wooden spoons together. If you’re looking for more ideas, check out these websites for more:
Tip 3: Keep the Items in Easy-to-Use Areas My final tip is to keep those grouped items in easy-to-use spots. Doing this will eliminate the time of searching for what you need when you need it! When I was organizing my daughter Jessica’s kitchen in June, a couple of ideas I used were to put all of the coffee mugs and supplies near the coffee maker (there’s nothing worse than looking for a coffee filter before your first cup!) and organized all of her pots and pans in the lower cabinets near her stove. Items you don’t use often can be stored up high. You probably have some holiday dishes and platters to get down from up high or maybe they are stored in a basement closet. Go ahead and donate holiday dishes that you are not fond of anymore. Don’t save them for another year or more. That’s it for my November Tip! Hopefully you find them useful and until next time. An Organized kitchen is a smart kitchen. Adele Gross Simple Solutions Organizing LLC Adele@simplesolutionsorganizing.com 706-714-1314 |
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