Tuesday, March 31, 2009 

Myths About Professional Organizers

There are many myths surrounding what professional organizers actually do when they are working with a client. Some people think we go in and tell clients they must get rid of all their items and keep only the bare minimum. Some think that organizers are just expensive cleaning people. Others think we do it all while the client is gone and then the client is required to keep it up with no instruction.

The most important donate a car to remember about professional organizers is that they are not there to judge you or your clutter. They are there to help you in any possible way they can. We are there to transfer our skill of organizing onto you.

Starting with the first myth. Professional organizers never tell a client they must throw out anything. We are there to ask the right questions, find out the story on the items, and discuss the purpose of keeping certain belongings. We are sympathetic to the fact that going through so many belongings can be stressful, energy draining, and most of the time, hard. Since we are not emotional attached to all the items, we come in with a more objective view. We help our clients realize what is important to keep and why some belongings might not be. Once a client has gone through many of their personal items, they begin to see a pattern. For example, they realize they have 3 of the same peeler or 16 pairs of scissors in the house. Some have even said they did not like the item to begin with and cannot figure out why they bought more. To some they find humor in how much they have kept and realize they do not want all these items taking up valuable space. To others it is a long process of letting go of personal items they have kept for many years. They tell us the story as to why they kept it and discover it is really not that great of a story or sometimes they cannot remember the story. The longer we work with our clients, the more comfortable they become donating or tossing items. Organizers give that comfort and reassurance as the client lets go of the clutter that is restricting them from living stress free.

The next myth is just that, a myth. Professional organizers are not expensive cleaning people. Professional organizers do not carry around vacuum cleaners and cleaning supplies. Most have power tools if they install closet systems and all professional organizers have a labeler. We are there to clear the clutter and find systems that will assist you in keeping it organized. Professional organizers do not provide a consistent cleaning service. We do provide follow up visits for clients.

Lastly, professional organizers work directly with their clients when clearing clutter. It is rare that someone would want to keep all the clutter and just get it organized. Most clients know before they even call an organizer that they will be donating and throwing out much of their clutter. Professional organizers help individuals find systems that will assist them in keeping their spaces organized. We teach our clients to see the root of their clutter problem, how to get the clutter out, and how to stay that way. If I came in and organized your space and left, how would you know where anything was and how to keep it that way so you were not back in the same situation in a few months?

Julie Riber is a professional organizer in the central Ohio area. She has been organizing homes and businesses for over 4 years. She is a member of the National Association of Professional Organizers and President of the Ohio Chapter of NAPO. href="transformare.net">transformare.net

 

Mortgage Life Insurance and Mortgage Protection and You

Decreasing term mortgage life insurance pays your loved ones a lump sum if you die during the set term of the cover. The amount they are paid is contingent upon the term of the life insurance, which decreases just about in line with the amount that remains on your mortgage. By the end of the life insurance plan, the lump sum will be down to zero.

Decreasing term life insurance covers you for a set term. It will pay your dependents a lump sum if you die during that term. How much your dependents are paid will depend on the term of the insurance policy, which decreases roughly in line with the amount outstanding on your mortgage. The lump sum decreases during the period of the term by the end of the plan, it is down to zero.

How much your life insurance premium is depends on the sum to be insured, the period of cover, your age, your sex and whether you smoke or not. A non-smoker is usually defined as someone who has not smoked for at least twelve months. This kind of insurance is not great for investment purposes, as there is no maturity value payable at the end of the plan.

Although the mortgage life insurance cover reduces, your monthly premiums will stay the same throughout the policy. With some decreasing life insurance policies, you can have additional options, such as critical-illness cover. Adding critical-illness cover will mean the plan pays out if you get a qualifying critical illness or if you die during the term of the policy.

Decreasing Mortgage Life Insurance Pros and Cons

Decreasing life insurance is great if you are keen to leave a cash sum to your loved ones to help pay off your mortgage after you have died. Decreasing life insurance is also cheaper than term life insurance, which pays out the same sum regardless of when you die.

Weighing against decreasing mortgage life insurance is the fact that the policy pays out only if you die or are diagnosed with a qualifying critical illness (if you have critical-illness cover). The policy will also have no maturity value if you live beyond the plan.

Mortgage protection

Mortgage protection is an important part of your mortgage needs. Your mortgage is a big financial commitment, so protection is very important. It is always important to budget for mortgage protection as it is easy to ignore these payments when looking at your monthly mortgage costs.

When financial advisors talk about a fully protected mortgage, they mean protecting your mortgage against every eventuality. The areas of mortgage protection are death; redundancy; critical illness, and long -term sickness.

Mortgage protection pros and cons

Mortgage protection is not compulsory. Mortgage protection might seem a depressing thing to think about. However, you Colvtsvcbthd become ill and be without your income at any time. This is why mortgage protection is so vital. It's a financial safety net and, now more than ever, protecting your mortgage is vital.

Mortgage protection is good because it need not cost the earth, your premium is based on the level of cover you need, how old you are and the size of your mortgage repayments. It's also a way of protecting your savings if you fall ill and can't pay your mortgage, you'll soon eat into your savings. However if you have no earned income and are on state benefits, mortgage protection insurance will not be right for you.

Copyright (c) 2009 Mark Walpole

For more information on href="godirect.co.uk/life-insurance-quote/mortgage-protection-life-insurance.php">mortgage life insurance, critical illness insurance and href="godirect.co.uk/mortgages/mortgage-protection.php">mortgage protection, why not visit godirect.co.uk. You can read full details of your protection options and obtain online quotes

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