Wednesday, September 28, 2016
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

WCN Site Search


Preview the Paper Preview the Paper

Preview this week's Paper
A limited number of pages are displayed in this preview.
Preview this Week’s Issue ›
Subscribe Today ›

Lost & Found

Lost: White Poodle mix, "Dillon," white curly hair, Sutherland Springs area, he has been missing since the beginning of August. 210-219-7963.
Our beloved Gracie is missing, Dachshund/Lab mix, microchipped, about 30 pounds, black with little white. Call with any information, 830-393-9999 or 419-250-9099.
Lost: Heart charm bracelet, necklace with arrow and heart, crown ring, and heart knot ring, all pieces are silver, lost at LV Light It Up ceremony. Please call Sheri, 210-833-8377.
More Lost & Found ads ›

Help Wanted

CDL-A drivers needed immediately.  South Texas Oilfield Solutions in Campbellton, TX is hiring drivers to drive vacuum and winch trucks. Tanker endorsement, hazmat a plus. If interested, call 830-579-4444. 
Your #1 Advertising Resource! Call 830-216-4519.
More Help Wanted ads ›

Featured Videos





Video Vault ›

South Texas Living


How to get your affairs in order




E-Mail this Story to a Friend
Print this Story
Jim Miller
The Savvy Senior
January 18, 2012 | 2,023 views | Post a comment

Dear Savvy Senior,

I would like to get my personal and financial information organized so my kids will know what’s going on when I die. Any tips would be appreciated.

Overwhelmed Senior

Dear Overwhelmed,

Organizing your important papers and personal information is a smart move and a great gift to your loved ones. Here are some tips to help you get started.

Get Organized

The first step in getting your affairs in order is to gather up all your important personal, financial, and legal information so you can arrange it in a format that will benefit you now, and your loved ones later. Then you’ll need to sit down and create various lists of important information and instructions of how you want certain things handled when you die or if you become incapacitated. Here’s a checklist of areas you need to focus on.

Personal Information

•Contacts: Make a master list of names and phone numbers of close friends, family, clergy, doctors, and professional advisers such as your lawyer, accountant, broker, and insurance agent.

•Personal documents: Include such items as your birth certificate, Social Security card, marriage license, military discharge papers, etc.

•Secured places: List all the places you keep under lock and key or protected by password, such as safe deposit boxes, safe combination, security alarms, etc.

•Service providers: Provide contact information of the companies or people who provide you regular services such as utility companies, lawn service, etc.

•Pets: If you have a pet, give instructions for the care of the animal.

•End of life: Indicate your wishes for organ, tissue, or body donation including documentation (see donatelife.net), and write out your funeral instructions. If you’ve made pre-arrangements with a funeral home, include a copy of agreement, their contact information, and whether you’ve prepaid or not.

Legal Documents

•Will: Include the original copy of your will and other estate-planning documents you’ve made.

•Power of attorney: This names someone you trust to handle money matters if you’re incapacitated. If you don’t have a will or power of attorney, do-it-yourself resources like legalzoom.com can help you create them for a few dollars.

•Advance directives: These documents -- a living will and medical power of attorney -- spell out your wishes regarding your end-of-life medical treatment when you can no longer make decisions for yourself. For free advanced directive forms, visit caringinfo.org or call 800-658-8898.

Financial Records

•Income and debt: Make a list of all income sources such as pensions, Social Security, IRAs, 401Ks, interest, investments, etc. And do the same for any debt you may have -- mortgage, credit cards, medical bills, car payment.

•Financial accounts: List all bank and brokerage accounts (checking, savings, stocks, bonds, mutual funds, IRAs, etc.) and their contact information. And keep current statements from each institution in your files.

•Company benefits: List any retirement plans, pensions, or benefits from your current or former employer including the contact information of the benefits administrator.

•Insurance: List the insurance policies you have (life, long-term care, home, auto, Medicare, Medigap, prescription drug, etc.) including the policy numbers, insurance agents, and phone numbers.

•Credit cards: List all credit and charge cards, including the card numbers and contact information.

•Property: List real estate, vehicles, and other properties you own, rent, or lease and include documents such as deeds, titles, and loan or lease agreements.

•Taxes: Keep copies of tax returns for seven years and the contact information of your tax preparer.

Keep all your organized information and files together in one convenient location -- ideally in a fireproof filing cabinet or safe in your home. Also be sure to review and update it every year, and don’t forget to tell your loved ones where they can find it.

Savvy tips: To help you get organized, Nolo (nolo.com, 800-728-3555) offers a great resource book called “Get It Together” for $18.50. You can also purchase helpful guides at organizemyaffairs.com.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior book. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit http://SavvySenior.org.
 

Your Opinions and Comments


Be the first to comment on this story!


You must be logged in to post a comment.




Not a subscriber?
Subscriber, but no password?
Forgot password?

South Texas Living Archives


Full article available to Wilson County News subscribers only. Click here to subscribe. Better boxed lunch and after-school snack ideas (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Buttons, Bows, & Blessings Tea is Oct. 8 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Catch ‘Elvis’ in San Antonio (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Celebrate National Night Out Oct. 4 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Deer-proof your landscape with native plants (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy Fall Fest at St. Luke-Loire (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy German food, music at Oktoberfest (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Experience live pro wrestling in SA (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Ferdinand the Bull (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Get your fill of turkey, tamales, and more in Panna Maria (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Gluten-free bread: great for lunches (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. H-E-B to roll out new ‘H-E-B Select Ingredients’ product line (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Health tips, advice for travellers (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Josiah Media Festival is Oct. 6-8 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Feria de las Flores is Oct. 15 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register now for Master Gardener 2017 evening classes (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register to walk and end NF (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Shop community rummage sale at St. Gerard’s (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. St. Ann’s Fall Fest is Oct. 2 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Stockdale Museum fund-raiser Oct. 1 (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. The Rock UMC plans events (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. We could all do better (September 28, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Apple Pie readers help Julia fill in the blanks (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cheap cell phone plans for seniors (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Come And Take It starts Sept. 30 (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Disc water pitcher (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. DRT chapter plans meeting, new member class (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Get ready to grill at show barn’s barbecue cook-off (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Old Town Day seeks vendors (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Poth VFD to serve up barbecued chicken (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Run and shine at Neon Sizzle 5K (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Spots open for Community Yard Sale (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. St. Mary’s Fall Festival Sept. 25 (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Support FUMC youth at barbecue ‘fun’ raiser (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Teen MOPS plans upcoming meetings (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. The root of many evils (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Uncovering local legends: The grave in the middle of the road (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. URBAN-15 seeks dancers, drummers (September 21, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Chicago Cub yearbooks (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy Country Music Show Sept. 20 (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. How to prevent falls at home (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Krawietz family reunion (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. La Vernia EMS plans Car Show (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Labatt Club donates to library, children (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Low voices and high hopes (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Lutheran Church plans Sausage Dinner (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Medicaid covers mosquito repellent to fight Zika (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Metting family plans reunion (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Non-prescription drugs — the forgotten solution to rising health-care costs (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Relay For Life meeting is Sept. 15 (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Seguin Cowboy Gathering is Sept. 17 (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Smith Gas celebrates 88 years in business (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. The life of Doris Billimek Moczygemba (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Trail ride donations surpass $1M (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Visit Remembering Our Fallen exhibit in Seguin (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Who will take care of you? (September 14, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. A life shaped by hard work and hunting (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. After-Dinner Chocolates (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Cajun music Sept. 10 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Donate hearing aids, glasses, equipment (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Earn a certification in native landscaping (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Enjoy EquestFest 2016 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Getting Engaged? How to spend wisely (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Mystery box (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Nominate a nonprofit for Literacy Award (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Old medicine chest dates back to 1821 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Professional bull riding returns to Fredericksburg (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Register to run for tacos Oct. 1 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Road Runners plan September outings (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Still time to buy tickets for Wild Game Dinner (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Take a tour of SS museum Sept. 17 (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Take the H-E-B Slim Down challenge (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Vote for top flick at Manhattan Short Film Festival (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. Welcome to The Greenline, a 43-acre linear park (September 7, 2016)
Full article available to Wilson County News subscribers only. Click here to subscribe. ‘Cupping’ long before Phelps did it (September 7, 2016)
WCN Photo Contest HHF
WWII Clippings HHF
Coupon Q&A HHF-right
coupon home-rght
Allstate & McBride RealtyVoncille Bielefeld homeTriple R DC ExpertsFriesenhahn Custom WeldingHeavenly Touch home

  Copyright © 2007-2016 Wilson County News. All rights reserved. Web development by Drewa Designs.