The Everything Binder CD is here to help you put all your important papers together in one place or at least let everyone know where everything is at. Michelle Perry Higgins put this program together because over the years she had a lot of clients that had trouble getting important documents together for people who had passed.
She has made it an easy to follow program that you do not have to do all at once. Take your time and do it in your spare time. You will only fill out what applies to you.
In April my husband got a phone call to check on his sister. He ran over to their place and found his brother-in-law in a coma on the floor. His sister was in and out of a diabetic coma her sugar was over 900 when we arrived at the hospital.
Her husband never woke up and was disconnected from machines. He passed away about a week later. They were able to get her sugar down, but the next day her heart stopped and they revived her and then moved her to a bigger hospital. She remained in the hospital about 3 weeks.
Her home now is at the nursing home. We are the only family that is not 150 miles away so we had to box up her things and clean everything up. We had a hard time finding important papers and some I am sure we did not find.
Also my husband is 21 years older than I am so we really need to organize our paperwork. This review gave us the perfect reason to get that project done.
Ms Higgins also suggest that at least 2 people know where the binder is kept. She also wants you to take it to your attorney, accountant, and any brokers so they can glance through it and make for sure nothing is being missed.
One of the first pages is an update log. You should go through this about once a year and make for sure there were no changes that did not get taken care of.
There is a list for pre and post-death checklists. I believe this will really help someone to contact people who can give them answers about where things are at.
Next is where you will list contact information of 2 people in case something happens. These are the people you will go over everything in the binder so they understand what someone will need to take care of.
The personal information sheet is really important this information will be used for a death certificate and for insurance. Your spouse’s information and children’s information is all listed. If you have others that you take care of, similar to my sister-in-law, so someone can be appointed to help with this.
They have included a section of professional people who need to be contacted. Another section for all of your doctor’s information. Next you will see the medical history paperwork so that if needed it is there and up to date. Then you have the insurance section for each type of insurance you have.
You will next be in the security and access information. This is passwords for different tech items and then passwords for sites that someone will need to take care of your bills, checking, saving etc. Also lists for social media and email accounts.
Next you will list income and cash equivalents. Phone numbers for pensions, 401k, etc. Also any loans someone owes you. A real estate section for any and all property owned. You also have a list for storage units, safes, vehicles, art, jewelry, etc.
Next you will list any retirement or investment accounts. Pension and social security, stock option and deferred compensation plans, investments, stocks and bonds, savings bond and annuities, and any other accounts.
You will then list your loans, mortgage, or any other money owed. After that is any business you may own or partially own. Any paperwork to do with the business and where it is kept..
The next section is really important but it is something most people never write down. The documents originals and where they are kept. Such as birth certificate, marriage license etc.
You will then list your animals and who should get them. The vet information and any meds they need.
Next is the estate planning documents, listing the will and where it is kept. The final sections is where your funeral arrangements go. Anything that may be prepaid and type of services you would like.
As you can see they cover lots of things that will make it easier for the people left behind. I feel that everyone should buy this and make it a lot easier on everyone.
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