Bensman Risk Management, Inc.


Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

Insurable Interests was created by The Bensman Group and Osmosis Digital Marketing. Neither The Bensman Group nor Kestra IS nor Kestra AS are affiliated with Osmosis Digital Marketing.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 10, Issue 7March 2015

LIFESTYLE INTERESTS

Getting Rid of Clutter

If you are like most people, stuff is piling up in your basement, your attic, your closets, your cabinets – and all sorts of other places. You know you should go through it and get rid of what you don’t need, but you can’t seem to get started. Well, Reader’s Digest has some suggestions for ways to cut through the clutter and reclaim your space:

  • Sort everything into five piles: stuff to put somewhere else, stuff to donate, stuff to give to someone specific, stuff to throw out, and stuff you are not sure whether to get rid of or keep. Then put the stuff you are not sure about into a box, and on the outside of the box write a date six months to a year from now. If you have not opened the box by the time that date arrives, throw the box away. Without opening it.

  • Get laundry baskets, bins, etc., without lids, so it is easier to toss things into them.

  • Think twice before you try to sell stuff. Posting things on eBay, Craigslist or similar sites is time-consuming, especially when you include the time it takes to respond to interested people, show the item and negotiate the deal. If you have something that is truly valuable, that might be worth it. But if you are just trying to get a couple extra bucks for your junk, consider saving yourself the effort and just donating the items instead.

  • Get rid of flat surfaces. For example, if your dining room table always ends up covered with things you dump there, clean it off and then put a large bowl of flowers in the middle.

  • Label and organize photos as you go. That way, when you are gone, your kids will not be trying to figure out who all the people they don’t recognize are.

  • Keep in your car those things you need when you are outside your house. These might include, for example, grocery coupons and reusable grocery bags. Get a bin for things like emergency toys or diapers. Keep a small bin near the door for things you need to return, so you can easily carry the bin to the trunk.

  • Don’t think that a storage unit is the answer. You should focus on getting rid of what you don’t use, not storing it somewhere else. Unless you are looking for a very short-term solution – such as when you are moving and need to keep your things somewhere until you sell your house and are ready to move into another – you don’t need a storage unit.

    In addition to these tips, other experts offer some suggestions:

  • Go through your medicine cabinet at least once a year and safely get rid of any medicine that is expired.

  • With spices, mark on the container when you bought the spice. Most dried spices keep their flavor for only a year or less; check online for specifics, or just open the container and give a sniff. When the spice loses its punch, toss it.

  • If you have not worn something in more than a year, give it away.

  • Try dividers as a way to organize drawers in your dresser, your cabinets and your nightstand.

  • Group things that you use at the same time together and close to where you will need them. For example, keep saucers with cups, and keep pots and pans close to the stove.

    This article was created by Osmosis Digital Marketing for use with permission by The Bensman Group.

    Photo: iStockphoto.com

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