Coffee heat rising

How much paper do you keep?

The Cremains of the Day

Just finished shoveling bushels of paper out of my file drawers, reorganizing the file system, and incinerating bank statements, credit card statements, health insurance claim statements, investment records, correspondence, and related junk that dates back to the early 1990s.

Before I started, a four-drawer file cabinet in the garage was chuckablock full of old records, and the five file drawers in my office stuffed to capacity.

Now, after a good six hours of feeding paper into the fireplace, after the liberation of 73 manila file folders and 33 hanging files (not counting the ones I reused on the fly), the garage file cabinet is again chuckablock full, mostly with different records. The firebox is filled with ashes. But at least there’s now a little open filing space in the office.

They say you should keep tax-related documents for seven years and tax returns forever. Highly problematic:

a) If you have a side income from self-employment, where the heck are you supposed to find room in your house to store years’ worth of related paper?

b) Once you’ve stuffed seven years worth of trash in a file cabinet, you tend to forget it. Hence, paper dating back to the Pleistocene, fossilizing in the garage.

Some of this stuff should’ve been donated to a local historic archive, not reduced to ashes in the fireplace.

But some of it… ???

You know, some things could come back to bite, even after the magical seven years have passed.

For example, late in the 20th century, a man whose last name (allegedly) was the same as mine somehow convinced my bank and a bunch of his creditors that I was responsible for his debts. I’d never heard of the guy.

It was difficult to get out from under that. You can easily prove that you did something, but you’ll play hob trying to show that you did not do something. The ensuing battle dragged on for week after week after week.

Should I throw out all the correspondence, all the paper trail, all the records of how I went about arguing that I was not a deadbeat? Or at least not that deadbeat?

Then there was the time I made a job offer, with the dean’s written permission, to the Southwest’s pre-eminent graphic designer of publications. She, desiring to do the kind of work our office did, turned down a far better-paying job that would have had her doing advertisements and brochures. Then, after she had passed up the other, far superior opportunity, the College reneged! On a written job offer that she had accepted! In writing!

Well, she hasn’t sued yet, though she certainly should have. But I still have all the documentation. What’s the statute of limitations on civil suits, anyway?

Then there was the endless, incrementally bitter slow-motion war with My Bartleby. My ass is covered there by a 200-page daily journal, written at the behest of the College’s HR representative. This monster fills two hanging file folders and a CD-ROM. Should I keep all that drivel?

She hasn’t tried to make any trouble yet and probably won’t. On the other hand, Bartleby is even crazier than I am. And I’m capable of anything.

In the crazy old lady department, I undoubtedly go way overboard with this business of saving documents. It’s a habit acquired from ex-DH, who, as a lawyer, advised me that we should save every scrap of paper that had anything to do with anything. He wasn’t kidding. At the time I left, he had a collection of canceled checks that dated back to before the start of our 25-year-long marriage. I figured he must know something, he being a fancy lawyer, and so I went forth and did likewise.

And I do have to allow, it was mighty gratifying to be able to produce my original pay stub that time ASU tried to claim I had been working there only fifteen years when actually I’d been there sixteen.

Still…how many times does something like that happen?

I suppose it only has to happen once.

Ah, well. It’s back to work. A stack of incoming paper sits on my desk, waiting to be handled, acted upon, and filed.

Am I alone with this conundrum? How much paper do you keep, and for how long?

Listomania

One thing that’s fast becoming clear: when your time is unstructured, lists have their uses. Now that I’ve attained Bumhood, it’s amazing how fast time goes by without much getting done!

In the past, long before Mary Kay Ash started teaching her acolytes to scribble their entrepreneurial tasks in lipstick on the bathroom mirror, I used to write to-do lists every day.  In my first job as a publication editor, I would end each day by making a list of the following day’s tasks and leave it on my desk, thereby jump-starting the next day. This pretty much guaranteed the work got done by deadline. Something about checking off accomplishments, no matter how minor, builds momentum.

Lately, though, I’ve found myself killing too much time in cruising the Web and not enough time living, so I decided to revive the list habit, at least in a sporadic way.

Yesterday this quirk gave a hint of its potential power.

Apparently I ate something that made me sick—it left me under the weather all day. I really didn’t feel like doing much. But I had a list. Even though I was dragging around, when the day ended I realized I’d done a surprising number of tasks. Didn’t get out for a long walk with the dog or spend time loafing at the fancy shopping center where Cassie likes to hold forth as the center of everyone’s attention. Never got back to pruning and fertilizing roses. But…

Did the laundry
Chlorinated the pool
Reset the pool equipment
Watered a few plants
Wrote a blog post
Updated Excel spreadsheets
Set up online bill paying for the S-corp’s Visa card
Paid the Visa bill online
Paid the Cox bill online
Wrote & posted three online quizzes for this spring’s students
Learned how to use a new feature of BlackBoard, the online teaching software
Posted syllabi
Emptied out the binder I use as my mobile “office” for the community colleges
Used heavy card stock to build new dividers, all printed out and nifty
Organized binder to accommodate three new classes
Started decluttering the stuffed file cabinet in the garage
Cleaned the car windshield again, it not having turned out to be quite pristine the last time I washed the car
Took the dog for a walk…sort of.

Doubt if I’d have done any of those without a list of things to check off.  Think of all the stuff that would’ve gotten done if I’d felt like moving!

You can, I think, get carried away with this strategy. When I was a little kid, a playmate’s parents used to stick a daily list on his bedroom wall—it filled an 8 1/2 x 11 sheet of paper and specified what he would be doing each moment of the day. Literally: they put down when he would brush his teeth and when he would go from the bathroom back to his bedroom to get dressed and when he would appear in the kitchen for breakfast. Poor  little guy…can you imagine having your life regimented like that?

It’s not necessary to map out every living, breathing minute to use listing to jump-start  your day. Often a rough list of ideas for things to do will get you going, so that once you’re started, you end up accomplishing a great deal more than you would have without the check-it-off impetus. Sometimes I’ll retroactively add to the list activities that I got sidetracked into doing and check them off, just to congratulate myself for getting something done that day. Yesterday, for example, though I never did make the bed, change out of my grubbies, trim the roses, or clean house, I did add things that didn’t require me to move far from the computer: uploaded syllabi as well as quizzes, cleaned last semester’s junk out of the teaching binder and organized it for next semester, and shoveled off the top of my desk.

Next:

check off "blog"...

Preparing for the worst

If you were killed or incapacitated in a car accident, if you had a stroke or heart attack that put you out of commission, would the people who had to take over your affairs know where to start?

Would they know where your bank accounts are? What insurance you have? Where your paycheck is deposited? What bills have to be paid? And if you have minor children, will friends, relatives, or the authorities know where you want the kids to stay?

If the answer to any or all of those questions is either “no” or “I dunno,” now is as good a time as any to start writing down the answers. I’m in the process of compiling a complete record of all the things my son will need to know if anything happens to me. It’s a pretty big job, one that will take several days to complete. The product will be two three-ring binders, one to keep at his house and one to keep at mine.

Here’s what’s going into it:

1. My employer

Healthcare card (whereabouts; ID number, group number)
…..User names and passwords*
…..URL of page to access pay information*
Amount of my salary
Benefits
COBRA and how to get it

2. Community colleges

Salary for adjunct teaching
…..User names and passwords*
…..URL of page to access pay information*

3. Insurance: vendors, policy  numbers, and telephone numbers

Health
Life
…..Including credit union & other groups with membership policies
Homeowner’s
Automobile

4. Credit union

Accounts
…..Direct deposits
…..Automatic transfers
…..Location of statements
…..User name, password, & URL for online access*
Automatic bill payments
Hard-copy bill payment
Credit-card payments

5. Credit cards

List of credit-card vendors and customer service numbers
Photocopies of cards, front & back

6. Social Security

List of necessary documents, and where to find them
Instructions for how to get SS started
Phone number and address of local SS Administration office

7. Medicare

Documents needed to start Medicare; location of originals
Information on how it works
Instructions for what is desired

8. Investments

Whereabouts of statements
Contact and phone number at management firm
Usernames, passwords, and URLs to for online access*

9. Financial records

Personal
…..Quicken
…..Excel
Corporate
…..Excel
…..Quicken
How to generate tax reports in Quicken & Excel

10. Lawyer/tax preparer

Name, phone number, e-mail, & address

11. Taxes

Whereabouts of past income tax returns
Taxes for S-corporation
Property taxes; fund for paying

13. Deed to house

14. Will

15. Living Will

16. Doctor

Name, phone number, and address

17. Dog

Feeding, care, eccentricities
Veterinarian’s name, phone number, and address

18. Downtown house

Loan documents
Homeowner’s insurance policy
Legal documents

19. Blog

Username, password, & URL for dashboard*
Adsense
…..Username, password, URL*
…..Arrangements for pay
Bluehost
…..Username, password, URL*
Name & contact of tech consultant

20. Freelance clients

Names, phone numbers, e-mails
Instructions to advise that deadlines will be missed
Where to find work in progress
Name & e-mail for subcontractor(s)

21. Final arrangements

How to dispose of the remains

* Important: Don’t save any pages with this information to a computer or a flashdrive. As soon as I finish typing a section, I print two copies for the two binders and then close the file without saving. Another strategy: simply delete the sensitive information before saving to disk…but be sure you’ve erased every reference to a Social Security number, user name, password, or any other vulnerable data.

Kids

If you have minor children, you should make arrangements for someone to care for them should both parents be killed or incapacitated—something that could easily happen in a car wreck. Decide who should be the caretakers and discuss it with them. Once they’ve agreed to take responsibility for your children in an emergency, put it in writing. Have them sign it and you sign it in front of a notary public. Give them a copy and keep a copy for your own records. If the person who will take charge of your affairs is different from the person or couple who will care for the kids, be sure that person also has a copy.

You should also name the desired child caretakers in your will. The person who is to take charge of your affairs should be named as your will’s executor, unless your lawyer advises otherwise.

If you have sole custody of children from a divorce and you do not want the child’s other parent to assume custody in an emergency, you should state the specific reason that this is undesirable (abusive? drug user? alcoholic?) in the document that designates the emergency caretaker.

Security

By the time you finish, this binder will contain some very sensitive information. You don’t want it to fall into the wrong hands. My son is very responsible, and so I feel comfortable about giving him a binder full of printouts containing my Social Security number, usernames, and passwords; however, my name and address will not appear in the thing. If your adult children can’t be trusted, consider hiring a lawyer to handle your personal affairs and storing the information at her or his office. Alternatively, choose a trustworthy friend or relative, ask him or her to take charge in an emergency, and give that person the information.

Surprising, isn’t it, how much a person needs to know if she or he is to take over your personal affairs in a pinch? My life is quite simple: no minor children, no child custody decrees, no alimony or child support, uncomplicated investments, no special healthcare issues, no homeowner’s association, no mortgage or rent, no employees, no vacation home, or the like. A young or middle-aged couple or a single parent’s data would be considerably more involved.

As circumstances change, you’ll need to remember to update certain pages. If you’ve saved those pages that contain no sensitive information, this task should be fairly easy. If not, you’ll have to retype entire pages…a hassle, but better than having them reside on a computer that could be hacked or stolen.

Plan to spend several days to a week thinking through and compiling the information another party would need to access important accounts, pay your bills, get  your insurance to cover your costs or collect life insurance; deal with doctors, lawyers, and your employer; care for your property; and find accommodations for your children and pets. With any luck, it won’t be needed. But if it ever is needed, someone will thank you.

Make a New Year’s to-do list

In my experience, New Year’s resolutions fade from memory along about January 7. Several reasons for this: we make unrealistic vows (“I will lose 100 pounds this year”); we cast our resolutions as broad generalizations rather than as specifics (“I will put more money into savings”); we ask ourselves to do things that don’t fit into our routine or are out of character (“I will teach myself to play bongo drums”), or are downright impossible (“and I will learn to play a Bach cantata on the bongo drums”).

What if, instead of resolving to achieve some broad goal, we made a checklist, the very sort of checklist that helps many of us get things done in an ordinary day or week? Instead of stating a wish, a to-do list tells you how to get through the process of accomplishing things. It speaks in specifics, not generalities. And a to-do list, being a pragmatic sort of device, is likely to fit in to the life we are already leading. On that theory, here is my 2008 to-do list:

1. Three days a week, add bicycling or mountain park hiking to exercise routine
2. Lose five to ten pounds by

a) staying off the sauce,
b) increasing exercise as above, and
c) continuing to eat lots of whole foods and less sugar & refined grain

3. Bring food to the office instead of ponying up $8 for the miserable restaurant fodder that passes as lunch
4. Drink tea, not coffee, and less of it
5. Learn to put widgets on iWeb pages
6. Join four social networking sites
7. Aim for two no-purchase days a week
8.Snowflake the Renovation Loan principal down by $1,000 (that’s $83.30 a month)
9. Invest $250 a month in an interest-bearing account to build liquid savings and to provide the option of paying off Renovation Loan within five years
10. Invest net income from side job (approx. $3500 a semester) in the same interest-bearing account
11. Wear better clothes to the office, using the wardrobe now expanded by after-Christmas clothing purchases
12. Try to wangle a Power Mac from the university
13. Build cross-campus collaboration by trying to land another research assistantship to be staffed by grad students in the publishing program
14. Build new ways to mentor graduate students and reinforce editorial training
15. Make new friends

a) through Meetup.com
b) rejoin the choir

As a list of New Year’s resolutions, this would be way too long. It could be cast as six broad, eminently forgettable goals: reduce stress, build readership for Funny about Money, pay down the Renovation Loan, save more money, improve job performance, and meet new people.

As a to-do list, it contains no more items to accomplish than I normally accrue for a single day. I think it’ll work.

What are your New Year’s resolutions? I challenge you to accomplish as many of yours as I will of mine! Meet me here after each quarter of 2008 to compare notes. See you in three months-and sooner, I hope.