Monday, September 20, 2010

The Ten Critical Do’s and Don’ts for Vital Documents in an Emergency ©

Locally we have an out-of- control fire in Salt Lake County.  Because of this I am temporarily posting important information about gathering your vital documents BEFORE you are in an emergancy.

The Ten Critical Do’s and Don’ts for Vital Documents in an Emergency ©

1. Do create a list of all your master accounts:

• Savings Account

• Checking Account

• Credit Cards

• Investments

• Insurance Records

2. Do make 3 copies each of the following Documents:

• Legal

• Certificates

• Insurance

• Medical

• Financial

• Personal

3. Once you have completed the 3 copies, Do store the copies in three different places:

• In your home and /or home office. (In a clearly marked folder, or electronically on a thumb drive or portable memory storage device).

• With your attorney, a close friend, or a family member who doesn't live with you.

• In a home Fire-proof safe that can withstand temperatures up to 1,700 degrees

• In your financial institutions Safe-deposit box.

4. Do make a list and inventory of all contents of your Safe-deposit box and / or Fire-Proof Safe:

• Make a list of all irreplaceable items (jewelry, photo negatives, heirlooms, etc.)

• All critical documents (for example: marriage license, birth certificates, stocks and bonds) that you've stored under lock and key.

• Also photocopy the documents for your household files.

5. Do make a photocopy of all the contents in your wallet:

• Once a year, make a copy of all the credit and ID cards you carry around.

• Remember to include; medical insurance, voter registration and health club membership cards.

6. Do take an inventory of all your belongings in your home.

• Make an inventory of your belongings, taking photographs of each room, and note the model and serial numbers of the items.

• Save receipts or canceled checks to prove the value and ownership of the items in your inventory. (Remember to include seasonal items stored in the attic, basement, or garage, such as holiday decorations, tools, and sporting equipment.)

7. Don’t keep invalid or outdated documents.

• Shred or destroy outdated insurance, financial or personal information. Keeping it only adds confusion in an already stressful situation.

8. Don’t assume you know what the contents of your insurance policies include unless you have carefully read them.

• When you buy a home or car, you must purchase insurance. Always make sure you understand exactly what you are insured for.

• Make sure you have a replacement insurance policy that covers the real cost of replacing your home, rather than an "actual cash value," which covers your belongings after depreciation

• If you do have replacement insurance coverage, insurers have been narrowing the definition of "replacement," leaving some homeowners with inadequate coverage.

Carefully read your insurance policy and discuss any questions / concerns with your insurance agent.

• In addition to proper replacement coverage, verify whether you need extra coverage for fires, earthquakes, or other special-situation losses, and confirm that your policy covers damage from flooding, wind, and hail. Also consider a policy that covers your living expenses while your home is being rebuilt.

• Be sure to contact your insurance agent to update your policy if you do renovations or improvements on your home.

9. Don’t assume if your spouse handles all the financial and / or insurance documents; that everything is in order.

• Go over your financial information together at least quarterly or ideally monthly.

• Often times when an emergency does occur, family members are not together or may be separated during the disaster evacuation.

• An emergency situation is not the time to be gathering information.

10. Don’t be too trusting of individuals with your personal 

Information during an Emergency:

• Unfortunately some people use an emergency to their advantage and prey upon those who are too trusting.

• Guard your identity and personal information during an emergency just like you would at any other time.

• Recent disasters in this country have prompted thieves to steal other’s identity when they are most vulnerable. Don’t let yourself be a victim.

Above all be prepared. A flood, earthquake, or other disasters may seem highly unlikely, don’t become complacent, A lack of preparation will only add to the stress of the situation and will cost you large amounts of money if your preparations are incomplete during an Emergency


Tuesday, August 3, 2010


Heads up folks, Just want to let you know of the SUPER SALE at Target this week. 18 gallon rubbermaid totes which are regularly $8.99 are on sale for $5.44. That's a $3.55 savings per container!!! These bins are THE BEST quality on the market in my opinion. Don't miss out, they sell out fast!

To see what else is on sale at Target this week click here!

Friday, April 16, 2010

In the news!

Clearing Space By Design was part of an article in the latest Utah Business Magazine!  Take a look:

Check out the link to the article by clicking  here.  Having trouble reading the article?  I have cut and pasted it below:

Paper Chase
Organizing Your Office Keeps You Out of the Rat Race
by Carolyn Campbell
27 April 2010—

Randall Pinson needed to organize his office. As the owner of Rocket Auctions, a surplus liquidation business, and Stellar Mindset, an e-commerce consulting company, Pinson wears many hats. “There were chaotic piles around my desk,” he says. “When I get stuff, I have a hard time prioritizing it, assuming I will get around to it. My piles reached a point where once a month I would have to shred, file or take action. This became a whole day process.”

Pinson’s cluttered desk took a mental toll as well. “If you are surrounded by clutter and don’t have a clean workplace, your brain has to work harder to put a project together.” While Pinson’s businesses are mainly online, he felt embarrassed if someone walked into his office unexpectedly. “I knew it wasn’t normal for someone to come into my office and cringe,” he says.

Pinson sought the expertise of Linda Isom, owner of Clearing Space by Design, a professional organizing business. She says office disorganization is common, especially in small businesses where owners take on multiple tasks.

“Disorganization can undermine a company’s credibility,” Isom says, adding that quick information retrieval is critically tied to business success. “When a client requests something, you need to find it right away. The organized business saves time, money and productivity. You can provide excellent customer service because what you need is right in front of you or you know where to get it.” Isom and other Utah organizers offer the following suggestions to get your office back in shape.

1. Consider a professional organizer.

Only 10 percent of people are “born organized—the rest have to learn,” says Isom. With multiple demands, a business owner becomes reactive instead of proactive. “They get a little defensive and allow the needs of the business and the demands of the employees to establish their workday. If your business has been organizationally challenged for a while, it helps to hire a professional organizer to offer a different perspective and tailor-made solutions for its specific challenges.”

2. Establish what stays.

“Start with items you know you have to keep, those ‘for sure’ things, such as your computer, your phone book, your paper. Then add items that you use regularly—daily, weekly, even monthly. Consider not keeping items that you might use or that you once used,” says Laura Lawrence, owner and CEO of Harmony Within. Marcia Warner, CEO of A Better Way Organizing Solutions, adds, “Keep things in your immediate space that you are currently dealing with and working on at this moment. If you keep articles and books for someday down the road, you will become inundated, overwhelmed and never get around to looking at them.”

3. Ask insightful questions.

Ask yourself, “Do I use it or will I use it again? Do I need it? Do I love it? Do I have space for it? How easy is this to replace should I need it again? Is it of good quality?” Answering these questions can give you insight to what you need to keep, says Laurie Reeve, professional organizer with Simply in Order.

When something arrives at your desk, ask, “Will I ever need this again?” suggests Lawrence. “Then ask, ‘If I do need this information again, is there another place where I could get it—a co-worker, the Internet, a company database. If I absolutely need to keep it, where is the best place to put it where I can find it?’”

3. Keep necessary IRS records.

Keep IRS records until after the statute of limitations for a particular year has expired, advises Isom. “You don’t want to be caught empty-handed if the IRS contacts you,” she says.

5. Choose a method to keep contacts.

Put contacts in an electronic contact management system, rather than try to keep business cards, says Warner. When deciding which contact information you should keep, Warner says keep information that will either build your business or add to your personal life. “Keep those who uplift you, encourage you or send you referrals, rather than those who degrade you. Maybe a client you are always trying to make happy is not the right client for you.”

6. Pare down the historical or sentimental items in your office.

"Choose one or two things that mean a lot to you. Honor those things, so that they have a place on a shelf, rather than keeping 15 or 20 trophies or plaques,” says Lawrence.

Today, Pinson says he’s relieved to be organized. “[I am able to] walk into my office and just get to work. With everything in its place, I no longer have to stare at all of my problems at once. I have mental peace of mind.”  - Entrepreneur Edge, April Issue UBM

Sunday, April 11, 2010

I'm a back!

After an exhasting 90 days, I am brimming with ideas for my blog!! Check back soon for some great new tips and insights and Happy Spring!

Tuesday, January 19, 2010

Those Pesky Resolutions

My apologies for my brief hiatus.  We are in the process of adopting and it has monopolized the majority of my time.

Here we are three weeks into the month of January and how are those resolutions?  Not started yet?  Feel like you already failed and have given up?  Doing well?  Wherever you are, take heart very few people follow through with resolutions.  Why is it you ask, is this the case? Because just like we add too many tasks to our to do list, we usually make too many resolutions. There should only be about three resolutions on your list.  And they should be things that are attainable.  So in this post we are going to talk about how you set your priorities and how to create a realistic resolutions:

Be Realistic: 
Set mini goals instead of one great big one.  For instance, say you want to lose 70 pounds (my resolution), instead of setting this lofty goal, break it down into smaller goals. "In Jaunary I want to lose 5 pounds."  That way you will not set yourself up to fail because the task is too great.

Keep it Simple: 
Setting a goal that is too difficult leads to frustration and a destines you to fail, which often result in people not following through on their goals.  It's difficult enough for the average person to follow through on one ambitious New Year's resolution; why on earth would you set yourself with three or four that cannot be done? Choose the most pressing issue at hand, and concentrate on that. Trying to do everything at once practically guarantees failure across the board.

Stay Motivated:
Many people fail to meet their resolutions or have a minor slip up, and then decide to give up and it's just not going to work. Life happens and most people cannot completely live up to any goal. Successful aren't the perfect, but they are persistant.

Make your resolutions for yourself:
Do not make your resoluyions because you feel pressure from others. This is will like sabatage your efforts and cause you to not achieve it.  Do what you feel you need to improve on and do not allow outside influences to dicate what your personal goals are.  You will be more likely to complete your resolution and be better off as an individual for taking charge of your own self improvement.

Happy New Year all, hope this year is your best year yet!
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