Archive for ‘Financial’ Category
Slam the Scam! Organize to Protect Against Scams
Being organized and productive depends on having systems in place. The problem is that sometimes things happen that throw all of our carefully curated systems out the window. Things like getting the flu, having your car break down (or get stolen), your computer crashing — or getting scammed.
It’s shockingly easy to fall for a scam, and frustratingly difficult to recover financially and legally after being a victim. It may require time, money, the services of specialists (like attorneys) and more. The best thing you can do is to organize yourself to protect against being victimized.
SCAMMERS PREY ON EVERYONE
You may have heard about a recent viral article in The Cut by Charlotte Cowles, the online magazine’s financial advice columnist. You wouldn’t have expected someone with that professional identity to write a column entitled, The Day I Put $50,000 in a Shoe Box and Handed It to a Stranger. But she fell for a scam, and she fell hard. And now, risking public and professional embarrassment, she has spoken out.
For weeks, there’s been debate online regarding what happened to Cowles. Many people can’t imagine that a grown woman with a professional background in financial writing could have been fooled by the ring of scammers who convinced Cowles that they were representatives of Amazon, of the Federal Trade Commission, and of the CIA.
But scams are real, they are everywhere, and we need to organize ourselves (and warn our loved ones) to be vigilant. Gallup found that 15% of American households were victims of financial scams just last year.
Graph provided by Gallup
And, while we tend to think of victims as being older, every demographic group is at risk. In fact, younger adults (like Gen Z and the youngest Millennials) are overrepresented as victims of scamming (at 22%); meanwhile Gen Xers like Paper Doll and Baby Boomers are somewhat less likely to be scammed, at 9% and 14%, respectively.
The rate of victimization is lower among adults without a college education and with lower incomes than those who have college educations and who earn at least $50,000 per year. One might surmise that both of the latter groups have more opportunity to be warned and prepared to identify elements of scams.
But people with education, experience, savvy, and money can also be scammed. Last month, author Cory Doctorow wrote How I Got Scammed, explaining how a Christmas holiday travel week, a failed ATM transaction, and the post Alaska Air 737 Max door-plug disaster created a perfect storm for him being taken advantage by a phone-phishing fraudster pretending to be from his credit union.
Sometimes, a scam is obvious. Out of nowhere, you’ll be cooking or watching TV and the phone will ring. A mysterious and heavily accented speaker will say that there is “something seriously wrong with your Microsoft computer.” It doesn’t matter if you actually have a Mac, or if you don’t even have a computer. They’ll use that wearily patient voice so identifiable as IT customer support.
You immediately know it’s fake; but would your grandparents? Would your teenager?
Other scams are less obvious because they come wrapped in the kind of tech-related language we see every day. In just the 24 hours prior to writing this post, Paper Doll and Paper Mommy experience attempted scams.
I received an email claiming that I’d purchased $500+ in services, and if had not made those purchases, I should immediately click to be connected with the company’s fraud department. Of course, merely hovering my cursor over the return email address (displayed as the company’s name) showed it was actually sent by gibberishletters@Yahoo.com. Real companies don’t use Yahoo addresses; in theory, they shouldn’t even use Gmail addresses. Dependable companies have their own domains.
Meanwhile, Paper Mommy got the all-too-common email advising her to click because her iCloud was full. [Be assured, her iCloud was not full. It has a backup of her iPad and probably a few dozen photos and not much more.] Paper Mommy may be 87, but she is one smart cookie, and even if she hadn’t received one of these same phishing attempts previously, she knows enough to verify such things.
However, it’s common enough to get random notification texts, popups, and emails claiming that something is awry. One of the immediate clues is bad spelling, grammar, or punctuation, something that older generations are more likely to take seriously; a 50- or 70-year-old is more likely to immediately realize that a poor command of English (in an email sent, ostensibly, by an American company to an American customer) is a sign of a scam. Thus, given the propensity of younger people for text-speak and a lesser reliance on standard usage, younger adults might be more easily tripped up.
Still other scams prey on the inclination of individuals to be good natured. One popular scam comes in the guise of a text regarding a sick or injured dog. The sender addresses you by the wrong name and says that they’re at the vet; their dog won’t eat and is whimpering, and they’re waiting for assistance. I “fell” for such a scam a few months ago, in that I replied and said, “Sorry, you have the wrong person. I hope everything turns out OK for you and the dog.”
Sad Doggie Photo by Bruno Cervera at Pexels
I thought nothing more of it until the person kept texting and trying to inveigle me in conversation, asserting that I must be a dog lover, too. (Readers, while I’d hate for you to think I’m a Disney villainess, I’m not fond of animals in person, though I do love monkeys, puppies, kittens, and penguins, as long as they’re on my device screens and nowhere near me.)
I Googled, and immediately found that this is a long-running scam to convince text recipients to get emotionally enmeshed in the condition of the dog, and end up giving money. One can understand how Congressman George Santos managed to set up fake Go Fund Me accounts for animal care and steal the proceeds. People are softies and want to be kind.
We’re also inclined to be law-abiding. There have been a number of jury duty scams where recipients get calls or texts saying that there’s a bench warrant for them to be arrested because they have not shown up for jury duty. Sometimes, recipients are warned that deputies are on the way to arrest them unless they pay a fee over the phone, or buy gift cards and send them to the caller.
Government agencies don’t text you out of the blue. In most cases, none but teeny, hyper-local government offices will even email. They certainly don’t take payment in gift cards.
Scams are designed to prey on your lack of experience or information, your good nature, and your fear of getting in trouble (as with Cowles’ example). Do not let scammers waste your time, ruin your productivity, or take advantage of your goodwill.
SOCIAL SECURITY: SLAM THE SCAM DAY
The Social Security Administration has declared this Thursday, March 7, 2024 Slam the Scam Day!
On National Slam the Scam Day and throughout the year, the SSA provides tools to help seniors and others recognize scams related to Social Security and prevent scammers from stealing both funds and personal information.
Social Security and Paper Doll want you to protect yourself, your loved ones, and people in your community this Slam the Scam Day by educating everyone about government imposter scams. Discuss the issue and let people in your life know they shouldn’t be embarrassed to report if they shared personal information or suffered a financial loss. It’s important to report scams as quickly as possible, both to aid recovery and identify the culprits.
The Social Security Administration encourages us to share their Scam Alert fact sheet to help educate others about how to protect themselves. Report Social Security-related scams to the Social Security Office of the Inspector General (OIG).
If you do encounter scammers in any way related to Social Security, report the scam online with as much information as you have regarding the characteristics of their claims.
Social Security encourages you to visit www.ssa.gov/scam for more information and follow the SSA OIG accounts on Facebook, Twitter, and LinkedIn. Those accounts aren’t going to share the newest viral dances or memes, but will keep you informed of the latest nasty tactics. Please consider sharing this post with the #SlamtheScam hashtag on your social media platforms.
OTHER SCAMS TARGETING SENIORS
Scams targeting seniors aren’t limited to those involving Social Security.
The “Grandma, I’m in Jail!” scam has been prevalent for more than a decade. Your phone rings and you hear a young person’s distraught voice begging for help. The caller, ostensibly your grandchild, has somehow accidentally run afoul of the law and is in jail. “Please send bail money but don’t tell Mom and Dad,” the caller begs, providing a phone number and case number; you call as directed and the faux police officer verifies the case number and takes your money. These scams assume Grandma doesn’t hear your voice often enough to recognize it on the phone.
Help your grandparents not fall for such scams by 1) explaining how they work and 2) calling them more often so that they recognize your voice!
Photo by RepentAndSeekChristJesus on Unsplash
Elders are often the victims of medical scams designed to impersonate legitimate agencies related to Medicare, diabetes supplies, medical equipment, hospice, and more. Romance scams, which prey on lonely people of all ages, but especially tender-hearted seniors, are also on the rise.
The American Association of Retired Persons (AARP) is great resource for keeping on top of scams targeting the elderly. Bookmark AARP’s Scams and Fraud page to learn about new schemes as they become known.
KNOW THE SCAMMERS’ TRICKS
Similar to “Grandma, I’m in Jail” is “Dad, I’ve had a car accident!” There’s loud traffic noise (and perhaps sirens) in the background and the faux-distraught caller is saying that they’ve caused an accident and that the police say they need to pay a fine right away. Don’t fall for it.
Remember how I said that government agencies won’t ask for payment in gift cards? Neither will your boss. The Do Me a Favor scam shows up via email or text, when your boss (or maybe the CEO of your company) sends a message asking you to purchase gift cards for a work-related charity promotion, promising to pay you back after he receives them.
Yeah, no. The email or text may look like it’s coming from your work contact, your church leader, or your Facebook friend, but it’s almost certainly not.
Similarly, your friends aren’t going to be at the Paris Olympics and lose their wallets and ask you to send them money via Facebook.
The best way to organize yourself against scams is to stay informed of what scams are popular. When you know what to expect, it’s easier to identify scammers and avoid engaging.
- 5 Financial Scams To Avoid in 2024 as Expert Warns Fraud Has Reached ‘Crisis Level’ (NASDAQ)
- 6 Top Scams to Watch Out for in 2024 (AARP)
- 10 Scams You Should Know About in 2024 (Express VPN)
- 17 Facebook Marketplace scams to avoid in 2024 (Lifelock)
- Credit Card Scams to Know in 2024 (and How to Avoid Them) (Time Magazine)
- Five Biggest Frauds To Watch Out for in 2024 (Kiplinger)
- The Latest Scams You Need to Be Aware of in 2024 (Experian)
- No Love for Romance Scammers in 2024 (IRS)
DON’Ts AND DOs TO KEEP YOURSELF SAFE FROM SCAMMERS
DON’T CLICK — If you receive an email or text with links to your bank or other financial account, go instead to the official website and log in from there. If you don’t know the URL, look it up on the back of your bank or credit card or on your statements. And, as you’ve been told since the dawn of email, do not click on attachments from somebody you don’t know.
DON’T TRUST — The Caller ID may say that the inbound call is coming from your bank or the IRS, but it’s ridiculously easy to “spoof” (that is, fake) the identity of a caller. Consider not answering; scammers rarely leave voicemail.
Don’t assume that the caller having the last four digits of your Social Security number or even all of the digits of your account number is on the up-and-up; there’s just too much of our private information on the dark web. Instead, hang up and call the official number for your financial institution and request to be connected to the fraud department.
DON’T DIVULGE — If a stranger claiming to be from your bank or credit card’s fraud department contacts you, ask for a case number. Do not give out your personal information. Do not give out your PIN.
DON’T SAY YES — Do not answer questions in the affirmative. That is, if they ask, “Is this Jane Smith?” don’t say yes; if you must say something, reply, “What is this regarding?” Your voice could be recorded and cloned for AI-related scams. The less you say, the better.
DON’T RUSH (OR BE RUSHED) — It’s the nature of scammers, like the stereotypical used car salesman, to use the pressure of time to get you act against your best interest. Don’t be fooled into making a decision or taking action quickly. Check with advisors, whether more technologically savvy friends or relatives, your accountant or financial advisor, your attorney, or the police.
DO READ UP — The American Bankers Association has a nifty website called BankersNeverAskThat.com. The site explains what to watch out for in terms of email, text, phone, and payment app scams, and also has a great eight-question quiz where you can walk through the situations (on your own, or as part of coaching with a loved one) to identify whether something is a scam or legitimate.
For reference, I did pretty well, but I dithered on the question regarding payment app alerts; if you’ve only recently begun using apps like Zelle, Venmo, or other peer-to-peer payment services, you might find the example sneaky, too, so read (and share) AARP’s How to Avoid Scams on Zelle, Venmo and Other P2P Apps.
The site offers a goofy “retro” scam-themed video game and a series of lighthearted videos to drive the point home.
DO HAVE FAMILY PASSWORDS — Schools have security that was non-existent when I was a kid; there are lists of who is allowed to pick up little Johnny or Janey from school to ensure not only that there’s no Stranger Danger but that wackadoodle exes and pushy in-laws don’t insert themselves between you and your kids. Modern parenting includes having family passwords so that if someone says, “Hi, your mommy told me to come pick you up from soccer practice today,” even if the child recognizes Mommy’s best friend as Auntie Karen, the kids know to wait for the official password.
This concept should be applied to families at all ages. Have a communication password designed so that if Grandma or Dad or College Kid gets a call purporting to be from one of the others and is in in need of emergency funds, there’s a level of security involved. (But, y’know, if Grandma calls from jail too often, maybe let her think about the consequences of her actions for a little while.)
DO TELL THE AUTHORITIES — No matter how embarrassing it is to have been scammed, it’s important to report suspected and actual scams.
- Notify your bank, credit card company, brokerage, or other financial institution immediately. If scammers have actually taken your money via credit card, the company should be able to flag the transaction as fraud and reverse it immediately; other financial institutions may also be able to freeze the transaction and save your money. Take screenshots of texts or emails, and don’t delete the original messages in case law enforcement wants to dig more deeply into the source code.
- Contact the police, and file a police report. Do not be dissuaded if the police officer seems blasé about the crime.
My credit card company once notified me that someone had used my card number to buy an inordinate amount of mail order men’s underwear and stereo equipment. Algorithms had already flagged the purchases as fraud, but they asked me to file a police report. The police officer who took the report at my workplace could not have looked more bored if I’d asked him to watch paint dry. It doesn’t matter. Report!
- File reports with applicable state and federal agencies. Whether the case involves the Social Security Administration, Medicare, or other federal crimes, report scams to the applicable agencies. The Federal Bureau of Investigation (FBI) and the Federal Trade Commission (FTC), as well as your state’s bureau of investigation all have fraud departments. Learn more at the FTC’s Reportfraud.ftc.gov and the FBI’s Internet Crime Complaint Center at IC3.gov.
THE FUTURE OF SCAMS
Scams — and scammers — aren’t going away. There will always be scammers who take advantage of anyone more easily duped because they have less information, less experience, and fewer people watching out for them. But, as I alluded to earlier, there are higher tech scams on the horizon.
Artificial intelligence is scary. I bet you’ve heard about deepfakes, video imitations made to sound and look like a real person is saying something they never actually said.
Voiceprints and voice cloning constitute the audio version of deepfakes. A scammer can record you — or take your teenager’s Instagram or TikTok video — and create a completely new message using words and expressions that were never actually said, and then create an “emergency” where it’s believable that money or your Social Security number or other private information is requested. If your college-age kid still hasn’t memorized his Social Security number, you might be tempted to believe it if “he” calls from a spoofed number that looked like his and says he’s filling out a form at school and needed his (or your) digits.
Voice cloning is already being used. Scammy deepfake videos could just as easily be to sent via Facetime or text video. Be careful.
FUNNY THINGS (NOT) TO DO TO SCAMMERS
You shouldn’t engage with scammers, so don’t emulate Paper Mommy or her friend in the stories below. Still, it’s fun to imagine retribution against bad guys.
When I was a teen, my mother was visiting a friend, a suburban woman of (shall we say) means. A phone scammer interrupted their visit and was urgently pushing some sort of financial scheme. Mom’s friend told the caller that she was sorry, but he’d have to wait, that her husband busy shoveling the cow s***.
Later, my mother spoke of her friend’s response with a twinkle in her eye.
Paper Mommy, as longtime readers know, is a hoot. After a friend briefly fell prey to the “Grandma, I’m in jail!” scam (until she learned that her teen grandson was fast asleep in his own bed), Paper Mommy began plotting her revenge on scammers. A few years ago, she called me with delight to report that the day she’d been anticipating had finally arrived.
“Grandma, I need your help!” the voice implored. The scammer had already made a tactical error; much to Paper Mommy‘s chagrin, neither my sister nor I have made her a grandmother. My mom tut-tutted as the scammer wove his tale, offering periodic, “Oh, no, darling! … Oh, you poor thing? … You need me to send you money?”
She kept him on the line for eons, repeatedly leading the evil-doer to believe she was prepared to turn over her credit card number to secure grandson’s release. Oh, she just had to find her purse. Oh, fiddlesticks, where was her wallet? Just when his frustration led him to almost crack and he implored, “Grandma, aren’t you going to help me?” my mom uttered her Oscar-worthy line:
“No, Sweetheart. I never really liked you that much.” Click.
#SlamTheScam
Reference Files Master Class (Part 2) — Financial and Legal Papers
As we move through Get Organized & Be Productive (GO) Month, the annual initiative sponsored by the National Association of Productivity & Organizing Professionals (NAPO), it’s the perfect time to revisit classic posts and essential concepts in paper organizing.
Two weeks ago, we looked at Paper Doll Shares 12 Kinds of Paper To Declutter Now, and while the items listed there aren’t the only papers you can purge, they’re a great start for lessening the clutter so you can see what you own, need, and must organize.
Last week, we began our modern refresh of the basics with Reference Files Master Class (Part 1) — The Essentials of Paper Filing. You can sort and purge papers without those filing resources, but having them allows you to create a system that can grow and expand as your needs change. Even somewhat orderly stacks and piles are better than disarray, but a good filing system assures you that everything won’t be sent into chaos when the kids and pets (or spouses behaving like kids and pets) chase one another through the house.
As I’ve been teaching my professional organizing clients for 22 years, all reference papers can fall into one of five categories. Today, we’ll be reviewing the first two:
- Financial
- Legal
- Medical
- Household
- Personal
FINANCIAL FILES
In almost any household, whether you’re a family of one or 10 (and I mean, geez, even the Brady Bunch, with Alice, only had nine!), financial paperwork makes up the bulk of almost any personal or family filing system.
It’s the nature of living in a Western, capitalist society in the 21st-century — everything centers around whatever represents having or owing little green pieces of paper. At least our Canadian readers have much more colorful currency.
Canadian Frontier Banknotes @2006 Bank of Canada
Your financial files keep track of money coming in (in Yoda-speak, quite literally, in-come), money going out for expenses, money we are investing and (hopefully) growing for future use, and everything related to money we give governments to run things. (If we don’t have the focus and energy to organize our financial paperwork, how would we ever deal with having to raise our own armies and fill our own potholes?!)
Let’s look at each of these categories, in turn.
Transitional Money
Most of your files will relate to money that’s coming to you or paid (or at least owed) by you. But all that money tends to funnel through a few central locations that serve as receiving and funding sources. Generally, these are bank (or credit union) accounts and brokerage accounts.
Bank/credit union statements reflect the monthly status of checking, savings, and trust accounts. These represent collections of funds that are in transition, basically at a weigh-station until you determine where the money is going. Accounts may accrue interest or have fees associated with them, and some (like certificates of deposit) act like investment accounts, but are still basically interest-bearing accounts. Take time each month to make sure these accounts reflect what you think they should.
Brokerage statements reflect investments. Separate these by investment type, like retirement, college savings, goal-related (vacation funds, Christmas Club accounts, etc.), first, and then sub-categorize (and alphabetize) by company. So, in the Retirement hanging folder, you might have interior folders for your 401(k), an old 403(b), IRAs with Fidelity and Vanguard, and so on. Each account should have its own folder.
Clearly label folders with the financial body (bank, brokerage, etc.) and account type; if you have more than one account of the same type at the same institution, put the last four digits of the account number on the file label.
Income
However many people in your household have a job (or jobs), income is likely reflected by pay stubs from employment. In ye olden days, they were truly stubs from checks received from employers. Nowadays, almost everyone gets paid electronically by direct deposit, but often receives printed pay “stubs” showing not merely what was earned, but any deductions from the paycheck. Common deductions include:
- FICA (payroll tax, which goes to Social Security and Medicare)
- Other income tax (federal/state/local)
- Insurance premiums for health, life, and disability coverage
- Retirement contributions (which may or may not be matched by employer contributions)
- Charitable contributions (also called payroll giving) like United Way
- Wage garnishments for child support or other
- Union dues
(If your income is derived from your own business, keep business files separated from personal files.)
While employment is the main category, it’s not the only type of income. You may also receive paperwork reflecting receipt of alimony or child support, Social Security income, disability payments, IRA disbursements, personal loans repaid to you, stock-dividends (outside of a dividend reimbursement plan) and lottery or gambling winnings.
This leaves aside illegal proceeds; Tony Soprano isn’t likely to give you a 1099 for the bribe he paid you. (Tony Soprano also didn’t give me a lot of options for clean language, even when I found a really applicable filing-related, if potty-mouthed, clip.)
Whether you regularly receive money or get a one-time lump sum, keep records for tax and other legal reasons (like divorce and child support proceedings, Medicaid evaluations, etc.)
Maintain an interior folder for each type of income you usually receive to make it easy to check your 1099s against when preparing your taxes. If you have multiple sources of income within one type (and get lots of paperwork for each), label a folder with the name of each high-volume payer.
Outgoing Money (Expenses)
In business, they’re called Accounts Payable. These are your regular (monthly, quarterly, annual, etc.) plus occasional (unexpected) lump-sum payments, reflected by bills or statements, like:
- Monthly/periodic personal/household bills — rent or mortgage, utilities, auto or health insurance, etc.
- Credit cards statements
- Loans — personal, auto, college, home equity, etc.
- Medical bills — these may be one-time or part of an ongoing payment plan
- Tuition —
- Miscellaneous invoices or payment records reflecting anything for or which you wish to keep careful records, like tutoring, music lessons, tuition, professional organizer, fitness trainer, etc.
If your bills are paid by automatic withdrawal, verify that the proper amount was removed from your bank account or charged to your credit card, and then file the papers away. (For now, we’re assuming paper files; we’ll cover scanning and digital filing in the future.)
You may not enjoy the paperwork, but ignoring money issues won’t make them go away. If you struggle with keeping track of finances, learning to manage them in paper form makes money feel tangible, builds financial management skills, and increases financial awareness.
Ignoring money issues won't make them go away. If you struggle with keeping track of finances, managing them in paper form makes money feel tangible and 'real,' builds financial management skills, and increases financial awareness. Click To TweetIf you receive paper bills but pay each individually online, write the confirmation number and date of payment on the statement. If you still pay by check, tear off the stub to mail back with your payment (assuming you’re not doing online bill-pay), note the check number and date of payment on the larger, non-stub portion of the statement.
Create an interior (manila) folder for each account you hold. It doesn’t matter if you use generic terms (cable, power, water) or company-specific (Spectrum, ConEdison, Springfield Water). The key is to create labels that reflect the way you think. Keep it simple — the more complicated the system, the more friction will prevent you from filing things away.
If you have multiple accounts for the same company — for example, one water bill for your city penthouse and one for your summer cottage (or more likely, one bill for each of several student loans), label folders to differentiate between the two. (So: “Water — Park Avenue” vs. “Water — Park Avenue”; “College Loan — 1st National” vs. “College Loan — Fred’s Bank.”)
For credit cards, if you have more than one card from any one issuing lender, put the last four digits of the card number on the label (AmEx – 4321, AmEx – 9876) to help you file or access papers quickly.
Label a hanging folder for each sub-category. If you have more than one hanging folder’s worth of interior folders, just label the first in the sequence. It will be obvious from the interior labels that you’re still in that same sub-category.
Taxes
Create at least one tax-prep folder, or have one for medical expense records, one for charitable donation records and a third for “other” tax issues. Each January, when you start receiving W-2s and 1099s, pop them in your Tax Prep [Year] file folders. Once your taxes are completed, create an interior folder for a copy of your filed return and all supporting documentation.
As an alternative to collecting active tax filing year documents in file folders, you may want to sequester them in a portable tax according file, whether pre-made like the Smead All-in-One Income Tax Organizer.
Reference Files Master Class (Part 1) — The Essentials of Paper Filing
COPING WITH PAPER OVERWHELM
After last week’s post, Paper Doll Shares 12 Kinds of Paper To Declutter Now, I had a number of readers mention to me that while knowing what to get rid of helps them deal with their paper piles, they were still sometimes at a loss as to what to do with the rest.
Some fear they should be scanning everything to keep it digital, but don’t even own scanners. Others feel frustrated because even when they’ve arranged to get (and pay) their bills digitally, they still have paper coming to them. Many people feel at odds with the 21st-century pressure to have digital records, and don’t particularly feel adept with handling papers digitally. (They forget to look at email until it’s too late, or they never get around to scanning, or information just doesn’t seem “real” to them if it’s not in tangible form).
Over the 16+ years that I’ve been blogging as Paper Doll, I’ve tried to get across that whether you use analog or digital techniques — whether for paying bills, or keeping track of your appointments and tasks, or filing or archiving your information — doesn’t matter. That is, the method doesn’t matter; the commitment to a system is what is most important.
But 16 years is a long time. Babies born during the launch of my first Paper Doll posts are old enough to drive! To give you a sense of how long ago that was, Desperate Housewives was still a top-10 TV show (and people were still watching broadcast television). The top song was Crank That (Soulja Boy) and we were all trying (and mostly failing) to do the dance.
I originally wrote about the elements of a reference filing system in the first month of Paper Doll posts, back in 2007. It’s time to revisit the topic, see how digital solutions do (and don’t) help with the paper overwhelm, and introduce new readers to the best ways to manage paper.
Over the next several weeks, we’ll be taking a fresh look at how eliminate the frustration of paper files.
The Ice Cream Rule
The key to making any system work is just that — a system. That means having a location where something belongs and behavioral rules to get them there. I often refer to this as the Ice Cream Rule. If you come home from the store with two bags, one holding a half gallon of cream and one with a package of toilet paper, which one will you put away first? And where would you put them?
Even people who insist that they’re terrible with systems laugh and admit that they automatically know to put the ice cream away first; they recognize that they’ll end up with a melted mess if they do not.
They also have no worries that they’ll put the ice cream where they won’t be able to find it again — in the cupboard or the pantry — because their system not only includes behavioral cues (ice cream before toilet paper), but a geographic location (that is, the freezer) where the ice cream belongs.
Yes, people may drop the bag with the toilet paper on the kitchen floor, or hang it on the linen closet door, or actually put away the toilet paper in the bathroom right after getting the ice cream in the freezer.
Admittedly, the behavioral part of putting away non-urgent items isn’t perfect. The squeaky wheel gets the oil, and when it comes to putting things away properly, ice cream’s urgency is squeakier than toilet paper. (That said, the retrieval of ice cream is likely to be less urgent.)
A HOME FOR YOUR REFERENCE FILING SYSTEM
The point, and I do have one, is that to create order with the paper in our lives, we must ensure that we know exactly where everything goes. How? Filing papers is easy once each item is assigned a place to live. All of your reference papers need to have a home.
Keep in mind, that home does not have to be a palace. You certainly can invest in filing cabinets. These range from bargain 2-drawer metal filing cabinets to office-style 4-drawer tower-style cabinets.
If you prefer lateral filing cabinets (where you stand to the side of the open drawer, rather than in front of it), there are a variety of styles and materials from which to choose.
Recapping Paper Doll’s 2023 Posts — Which Were Your Favorites?
With one week left in 2023, have you taken time yet to review your year?
For the December Productivity and Organizing Blog Carnival, Janet Barclay asked us to identify our best blog posts of 2023, and I had a tough time.
“Best” is subjective, and Janet let us have free reign as to which post fit. Some bloggers chose their most popular posts in terms of readership; others, the ones that garnered the most comments. Some of my blogging colleagues picked their most personal posts, while others selected what they felt would have the most impact on people’s lives.
The problem is that picking just one means leaving the others behind, and I wrote forty-two posts this year! Eventually, I narrowed the selection to half a dozen posts, and then turned to colleagues and friends who were almost evenly split, bringing me no closer to a solution. In the end, I picked Paper Doll On Understanding and Conquering Procrastination because it served as the foundation for so many other posts, but also because I’d been lucky enough to find some great visuals, like this one from Poorly Drawn Lines:
so much to do pic.twitter.com/fiSm7Y2Erg
— poorly drawn lines (@PDLComics) December 21, 2022
Beauty, like clutter, is in the eye of the beholder. To that end, here’s a recap of everything we’ve discussed in 2023, with a few updates and tweaks along the way. My personal favorites are in bold, but I’d love to know which ones resonated the most with you during the year!
ORGANIZE YOUR INSPIRATION
After uploading last week’s post, Toss Old Socks, Pack Away 2023, and Adjust Your Attitude for 2024, I got to thinking about all the different ways we can take our word, phrase, or song of the year and keep it in the forefront of our minds.
I’d reviewed the traditional methods (vision boards, posted signs, turning the song into your wakeup alarm), but felt like there needed to be something that stayed with you, independent of your location. Only being reminded of your goal to be a leader when you’re standing in front of your fridge doesn’t really help you in your 1-to-1 meetings at work. (I mean, unless you’re the Queen of the Condiments or King of the Crisper Drawer.)
Only being reminded of your goal to be a leader when you're standing in front of your fridge doesn't really help you in your 1-to-1 meetings at work. (I mean, unless you're the Queen of the Condiments or King of the Crisper Drawer.) Click To TweetSerendipitously, within minutes of thinking about this, an ad came across one of my social media pages. (Normally, I ignore ads, but this one had me thinking maybe “serendipity” would be a good theme word for some year!) The ad was for Conscious Ink, an online temporary tattoo retailer specifically for creating body art to help you mindfully connect with your themes and messages to yourself, disrupt negative self-talk, and promote the healthy habits you’re trying to embrace!
As Conscious Ink’s About page explains, if you want to keep something top of the mind, why not try something that keeps it “top of the body?” Whether body art is your thing or you haven’t experimented since your Minnie Mouse temporary tattoo at summer camp <mumble mumble> years ago, this is a neat trick!
There’s even research as to how a temporary tattoo can support permanent emotional and cognitive transformation and improve mindfulness and focus on things that uplift one’s higher self. And that’s the point of a theme word, phrase, or song, to keep you focused on what you want rather than what you allow to drag you down! Manifest what you want your life to be.
Conscious Ink’s temporary tattoos use non-toxic, cosmetic-grade, FDA-certified, vegan inks. Each one lasts 3-7 days, depending on where you apply it, your skin type and activity level, and (I suspect) how many life-affirming, stress-reducing bubble baths you take. Categories include mindset, health and wellness, spiritual/nature, relationships, parenting, celebratory, and those related to social causes. Prices seem to hover at around $10 for a three-pack and $25 for a 10-pack. There’s even a Good Karma Guarantee to make sure you’re satisfied.
Whether you go with Conscious Ink (which is designed for this uplifting purpose) or seek an alternative or custom-designed temporary tattoo (through vendors like Momentary Ink or independent Etsy shops), it only makes sense if you place it somewhere you can see it often.
After all, if you place a temporary tattoo reminder to stand up for yourself on your tushy, it probably won’t remind you of much. For most of us of a certain age, putting it at our wrists, covered (when we prefer) by our cuffs, will give us the most serene “om” for our buck.
If you place a temporary tattoo reminder to stand up for yourself on your tushy, it probably won't remind you of much. Click To TweetAlong the same lines as my advice on adjusting your attitude for 2024, you may want to consult Gretchen Rubin’s Tips for Your “24 for 2024” List. Rubin and her sister/podcast co-host always have an inspring Happier Trifecta: a year-numbered theme, along with with a challenge and a list.
PRODUCTIVITY AND TIME MANAGEMENT
This was a big year for productivity discussion. I’m a firm believer that keeping your space and resources organized is key to being productive. However, it’s hard to keep the world around you organized when outside influences prevent you from being efficient (doing things well) and effective (doing the right things).
We continue to see the value of body doubling, whether through friendly hang-outs, co-working (virtually or in person), or professional organizing services, whether you want to conquer garden-variety procrastination or get special support for ADHD.
Partnering for Success
Paper Doll Sees Double: Body Doubling for Productivity (I almost submitted this post to the carnival. Accountability and motivation for the win!)
Paper Doll Shares 8 Virtual Co-Working Sites to AmpUp Your Productivity
If you’d like to explore the body doubling or co-working experience, friend-of-the-blog Deb Lee of D. Allison Lee is offering a no-cost, two-hour Action Day event on Tuesday, January 9, 2024, from 10 a.m. to 12 p.m.
This event is designed for her clients and subscribers, but after a cheery holiday conversation, Deb said it was OK to let my readers know about the opportunity.
Deb describes an Action Day as “personal training for your productivity muscles!”
An Action Day (especially as Deb runs them) is a stellar way to narrow your focus and start taking action on your goals. (And what better time than at the start of the new year?) You’ll get to connect with others who are also working on goals and habits with the support of Deb, a productivity coach I admire and adore.
Just bring your top two or three priorities, and you can conquer anything, like:
- organize your workspace
- write your book outline
- clean up your digital files
- test a new productivity app
- send out client proposals
- anything!
You’ll videoconference with a small, select group via Zoom. Share your goal and tasks, work for the bulk of the two hours, and then take time to debrief and share your successes!
Moving Yourself Forward
Getting anything done involves figuring out what you have to do, knowing what’s kept you from getting started, making it easy for you to begin, and celebrating even the smallest wins. These next three posts were where the magic happened this year!
Paper Doll On Understanding and Conquering Procrastination (This is the post I submitted to the Productivity & Organizing Carnival.)
Frogs, Tomatoes, and Bees: Time Techniques to Get Things Done
Use the Rule of 3 to Improve Your Productivity
Dealing with the Pokey Times
If you’re overwhelmed by all you’ve got going on during late December and early January, you can skip onward. However, if your workplace closes down during the holidays, or your professional and personal lives just feel like they’re kind of in a slump right now, you may find some inspiration in two pieces I wrote for the summer slowdown.
The weather outside may be frightful (unless you’re reading from Australia), but if you are looking for ideas to pump you up when everyone is in a post-shopping/meal/travel haze, these posts may stir your motivation:
Organize Your Summer So It Doesn’t Disappear So Quickly
Use Your Heart, Head, and Hands to Organize During the Slow Times
Try To Do It All (And Knowing When to Step Away)
Maybe you did your annual review and found that you’re feeling burned out. If so, you are not alone. It’s easy for your groove to turn into a rut, and for all of your drive to accomplish come crashing down because you never take your foot off the gas all year!
If you missed these posts earlier need a second shot at embracing the importance of variety, small breaks, and actual vacations, here’s your chance to read some of my absolute favorite posts of the year:
Paper Doll Says: Don’t Get Stuck in a Rut — Take Big Leaps (Be sure to watch the diving board video!)
Was baby Paper Doll burned out? In a rut? Just pooped?
Take a Break — How Breaks Improve Health and Productivity
Take a Break for Productivity — The International Perspective (This is the post that introduced the Swedish convivial snack break, fika!)
If you had any doubts about what I said about the importance of taking breaks in your day to refresh your body, your brain, or your spirit, a new report just a few weeks ago confirms that we need that late afternoon break if we don’t want our productivity to turn to mush! And the more we push ourselves beyond work hours, the greater our decrease in productivity!
If you’re desperately in need of a full break, but are suffering from decision fatigue and don’t have the energy to begin planning a whole vacation, there are options to make it easier for you. In the BBC’s piece, Why 2024 May Be the Year of Surprise Travel, you may find some rousing options.
Need a little inspiration to spend your holiday gift money on experiences rather than tzotchkes? Check out Time Out’s 24 Best Things to Do in the World in 2024 to envision where you could take long breaks to refresh yourself. Those vintage trains in Italy are calling to me, but perhaps you’d prefer the immersive “Dream Circus” in Sydney, Australia, or Montréal en Lumière’s 25th anniversary?
(Never mind, I know. Everyone wants to go on the Taylor Swift cruise from Miami to the Bahamas. Just come back with good stories instead of memento clutter, OK?)
TOOLS AND IDEAS FOR GREATER PRODUCTIVITY
Sometimes, rereading my own posts reminds me how many nifty things there are to share with you, and how many are still to be discovered.
Paper Doll Helps You Find Your Ideal Analog Habit Tracker — So many people have requested a follow-up covering digital habit trackers, so watch for that in 2024.
Paper Doll Presents 4 Stellar Organizing & Productivity Resources
Paper Doll Shares Presidential Wisdom on Productivity — From the Eisenhower Matrix to Jefferson’s design for the swivel chair, from limiting wardrobe options to understanding the difference between being busy and being productive, we’ve had presidents who have known how to get more (of the right things) done. With an election year in 2024, I’d love a debate question on the candidate’s best tips for staying organized and productive!
Surprising Productivity Advice & the 2023 Task Management & Time Blocking Summit
Highlights from the 2023 Task Management & Time Blocking Summit
3 Simple But Powerful Productivity Resources — Right in Your Browser Tab — The offering that got the most attention this year was definitely Goblin.Tools. I’m sure that as we head into 2024 and beyond, I’ll be sharing more resources that make use of artificial intelligence.
Let’s just remember that we always need to give precedence to our own intelligence, in the same way we can’t follow GPS to the letter if it directs us to drive in to a lake. In fact, like all organizing and productivity guidance, remember what I said way back in 2020 in The Truth About Celebrity Organizers, Magic Wands, and the Reality of Professional Organizing: there is no magic wand.
AI and other solutions, tangible or digital, and even professional organizers, can make things easier, but the only way to get the life you want is to embrace making positive behavioral changes.
RESOURCES FOR ORGANIZING YOUR WORK AND TRAVEL SPACE
Privacy in Your Home Office: From Reality to Fantasy — It’s interesting to see that privacy, and not just in home offices but in communal workspaces, has become a priority again. Check out this recent New York Times piece, As Offices Workers Make Their Return, So Does the Lowly Cubicle.
Paper Doll Refreshes Your Paper Organizing Solutions
Paper Doll Organizes Temporary Papers and Explores Third Spaces — Do you have systems for dealing with your “temporary papers,” the ones that you don’t need to file away but aren’t triggering an immediate action?
Paper Doll Organizes Your Space, Money, and Well-Being While Traveling
Paper Doll is Clearly Organized — Translucent Tools for Getting it Together
Paper Doll Explores New & Nifty Office and School Supplies
Organize Your Desktop with Your Perfect Desk Pad
No matter where I go in 2024, be assured that I will be keeping my eyes open for solutions for keeping your paper and work supplies organized.
My Thanksgiving weekend shopping trips brought me a variety of intriguing options. At Kohl’s, I saw 30 Watt‘s Face Plant, a way to keep your eyeglasses handy while refreshing the air around you (and keeping you perky) with greenery. The 5.5″ x 6″ x 5.25″ ceramic planter holds a plant, gives you a place to rest your glasses (so you won’t misplace them under piles of paper on your desk), and is dry erase marker-friendly! (It’s currently on sale for under $14.)
A stop at IKEA in Atlanta was so productive for organizing tools that you’ll be seeing posts with nifty names like Övning (for tidying a child’s desk accessories and creating privacy), Kugsfors (wall-mounted shelves with tablet stands for keeping books and iPads visible while working), Bekant (sit/stand desks) and more.
ORGANIZING YOUR FINANCIAL & LEGAL LIFE
Not everything in the organizing and productivity world is fun to look at, and that’s especially true of all the financial and legal documents that help you sleep soundly at night. Still, Paper Doll kept you aware of how to understand and protect your money, your identity, and your legacy.
Speaking of which, if you haven’t created your Apple Legacy Contact and your Google Inactive Account Manager, why the heck not? Use the power of body doubling up above, grab a partner, and get your digital life in order!
Lost & Found: Recover Unclaimed Money, Property, and Savings Bonds
Paper Doll’s Ultimate Guide to Legally Changing Your Name
Paper Doll Explains Digital Social Legacy Account Management
How to Create Your Apple & Google Legacy Contacts
Paper Doll Explains Your Health Insurance Explanation of Benefits
DEALING WITH EMERGENCIES AND STRESSFUL SITUATIONS
Sometimes, I write a post I wish I’d been able to read earlier (like the one on preventing and recovering from a car theft). Other times, like when a friend had a health emergency, or when Paper Mommy had her fall in November, I’m glad the posts already exist. If you missed these the first time around, please be sure to read, share, and bookmark them; think of them as an insurance policy, and let’s hope you won’t need them.
How to Organize Support for Patients and Families in Need
Organize to Prevent (or Recover From) a Car Theft
Paper Doll Organizes You To Prepare for an Emergency
GRAB BACK OF INTERVIEWS, UPDATES, AND PHILOSOPHY
Paper Doll Interviews Motivational Wordsmith Kara Cutruzzula
You already know how beloved my friend Kara Cutruzzula‘s Brass Ring Daily newsletter and Do It Today podcast are at Paper Doll HQ.
After having read and enjoyed Kara’s Do It For Yourself — A Motivational Journal and her follow-up, Do It Today — A Motivational Journal (Start Before Your Ready), I had no doubt that I’d be jumping on her third when it was released in September.
If you haven’t already picked up Do It Or Don’t — A Boundary-Creating Journal, use that Amazon money you almost certainly got this holiday season!
One of the Paper Doll themes for 2024 will focus on setting (and maintaining) better boundaries to accomplish more of what’s meaningful, and I’ve got multi-color tape flags sticking out of Kara’s book from all the chapters to share her bounty with you.
What’s in a Name? “Addressing” Organizing and Productivity
Paper Doll Suggests What to Watch to Get More Organized and Productive — As we head into the new year, I’ll be keeping my eyes open for podcasts, webinars, and TV shows to help you keep your space organized, your time productive, your finances orderly, and your life joyous. Readers have been sending in YouTube and TikTok videos that inspire them, so please feel free to share programming that you’d like to see profiled on Paper Doll‘s pages.
Paper Doll on How to Celebrate Organizing and Productivity with Friends
Paper Doll and Friends Cross an Ocean for Fine Productivity Conversations
From in-person get togethers with frolleagues (what my accountability partner Dr. Melissa Gratias calls those special folks who are both friends and colleagues) to Friday night professional organizer Zooms, accountability calls, and Mastermind group collaborations, this has been a great year for staying connected and sharing the benefits of those conversations with you.
I also loved guesting on so many fun podcasts related to organizing, productivity, technology, and more. If there’s someone you’d like to hear me debate or banter with, let me know!
SEASONAL POSTS
Spooky Clutter: Fears that Keep You from Getting Organized
Paper Doll’s Thanksgiving Week Organizing and Productivity Buffet
Paper Doll De-Stresses Your December
Paper Doll on Clutter-Free Gifts and How to Make Gift Cards Make Sense
Are you stressed out because you haven’t gotten someone a gift yet? Maybe a good start would be to help an overwhelmed special someone take my advice about going on a travel break. Consider gift certificates for something like Get Your Guide, with opportunities to get guided tours of locally-vetted, expertly-curated sporting, nature, cultural, and food experiences. With 118,000 experiences in 150 countries, pick a multiple of $50 or set your own amount, and your recipient can pick the domestic or international travel experience that fits best.
If you know your recipient will be traveling by rail, consider a gift card for Amtrak or ViaRail in North America. Eurail doesn’t sell gift cards, but you can pay for a pass, or buy a gift card for a rail pass for more than a dozen specific European train lines. And if you’d like to help someone organize vacation serenity and secure a bundle of travel attractions for a given city, try TurboPass in Europe or City Pass and The Sightseeing Pass in North America.
HERE’S TO A MORE ORGANIZED AND PRODUCTIVE 2024
Whether you’ll be spending the next few days reading, traveling, or doing your annual review, I hope this last week of 2023 is a happy and healthy one.
To send you off for a cozy week, I’d like to share a Whamagaddon– and Mariah–free, retro 100-minute holiday playlist from the late 1930s through the early 1960s. It’s somehow easier to dismantle the tree and write thank-you notes to Guy Lombardo. (My favorite clocks in at 52:42 with “What Are You Doing New Year’s Eve?”)
Please let me know your favorite Paper Doll posts from this year, and I’ll meet you back here in 2024!
Paper Doll Organizes Your Space, Money, and Well-Being While Traveling
The year is now officially half over. Have you used many of your paid vacation days? Have you used any of your vacation days?
One of the signs of toxic productivity is the sense that there’s always more work to do, more things to accomplish, and that vacation time will always be there. But the human mind needs rest just as much as the body, and going without both rest and recreation is a recipe for disaster.
Going without time off is called vacation deprivation, and according to Expedia’s 2023 Global Deprivation Report, Americans take 8-1/2 fewer vacation days than our global cousins, and nearly half (45%) of Americans left vacation days untaken last year. And that’s on top of the fact that we already receive fewer paid vacation days than most of the industrialized world.
Of course, even those who have vacation days and value the time off have been squeamish about traveling. (I’ll admit, I’m one of them.) COVID is still out there, and inflation means our hard-earned pennies don’t go as far.
Still, a staycation often doesn’t feel like a vacation, and getting out of Dodge for a while is a great opportunity to reset your perspective. So, let’s at least look at some options for saving time time and money and making the travel experience less stressful.
Of course, Paper Doll has covered travel-related topics before. Back in 2018, I wrote Paper Doll’s 5 Essential Lists For Planning an International Vacation.
For what it’s worth, it’s almost entirely applicable to domestic travel, too, and covers lists of:
- What to acquire for your trip
- What clothing and accessories to pack
- What other essentials to pack
- What to do before you leave
- Important phrases (admittedly, the most “international” of the lists)
For those who prefer to listen rather than read, much of the material covered was included in two interviews I did on the (much-missed) Smead podcast, embedded in Paper Doll on the Smead Podcast: Essential Lists For Organized Travel.
Today’s post is more along the lines of “travel tidbits,” a collection of nifty options for making travel situations more organized so you can focus your attention on relaxation.
GET SOME ELBOW ROOM AT THE AIRPORT
Let’s start with stuff. As you prepare to travel, you gather a lot of stuff to keep handy — to watch, to use, to eat. But it’s not always convenient to access it.
goDesk
Have you ever tried to set up an iPad so you and your traveling companion (or your tussling tiny humans) can watch a movie?
Have you ever tried to eat a meal balanced on your lap in the boarding area because there were no tables near the restaurants, but there were also no tables at your gate?
Do you know what’s is like to struggle to find something in your bag but there’s no place to put the items as you take out and sort through them?
Wouldn’t it be nice to have a desktop space when you’re traveling? But obviously, you don’t want to schlep around an actual desk when flying, and those beanbag-bottom laptop desk surfaces designed for when you’re sitting on your couch aren’t really workable in those teeny airport chairs. But I’ve recently found what seems like a nifty solution.
The goDesk lets you transform your rolling bag into a desk/entertainment center.
Taking advantage of the fact that almost all modern luggage pieces, particularly carry-ons, have those collapsible/telescoping handles, the goDesk can attach to your bags telescoping handle in seconds. It gives you enough desk space to securely hold a full-sized laptop, your airport meal, your child’s tablet, or the contents of your tumbled purse.
Later, when you’re ready to board, use the on/off release knob, and goDesk detaches in seconds. It’s got a slim profile, so you can just slide it in your outer luggage pocket.
The goDesk’s unique lock/latch system makes it compatible with most 4-wheel carry-on roller luggage, and it supports up to 12 pounds. The whole unit measures 11 1/2″ wide x 10″deep x 7/8″ high (with a 10″ x 10″ desktop surface) and ways only one pound.
There’s a flip-up media stand to use with iPads and other tablets, smart phones, or small books/notebooks, and a slide-out cup holder so you don’t have to worry about your beverage wobbling and spilling on the desktop surface (or your pricey devices).
The goDesk is made in the USA with TSA-approved materials and comes with a one-year warranty. It’s available from the goDesk website for $39.95 and ships with 2-3 day delivery.
AVOID EXCESS FEES WHILE TRAVELING
The first time I ever did any significant traveling without my family was when I was in college. I was going to be working on a special school-sponsored project in San Francisco. Although I had a debit card and a credit card, Paper Mommy took me to AAA to get American Express-backed travelers checks, where I dutifully filled out forms and signed the checks and registered them. I was told I would then countersign them when I used them to purchase anything, and if they were lost, I could easily get them replaced, just as Karl Malden promised in all those commercials.
I don’t know anyone who uses travelers checks anymore. Most of the time, you’re going to use a credit or debit card, or something like ApplePay from the wallet in your smart phone using magic technology. But sometimes, you want to have cash on hand, whether to tip a bellhop or give money to a talented busker or just pay in local currency.
The problem? When you aren’t getting cash from your own bank’s ATM, you’re likely to have to deal with an ATM surcharge fee. However, there are a few ways around that problem.
ATM Fees/Surcharges
In the US, different ATM machines (whether they are associated with banks or not) are affiliated with ATM networks. If you look on the back of your ATM card, you’ll see the network in which it participates, and there should not be a fee if you use an ATM that is also part of that network. So, if your bank uses STAR, or PULSE, or PLUS and you find an ATM in that network, there shouldn’t be a fee. However, it’s going to take some digging to get that information and locate the right ATM, and that will add frustration and take time out of your precious vacation.
ATM Keypad Photo by Eduardo Soares on Unsplash
Luckily, there are a few options to quickly identify which ATMs do not have surcharge fees.
The Allpoint Network has more than 55,000 fee-free ATMs. Download the app or use the website. Enter your zip code, and the Allpoint search will identify which ATMs in your vicinity do not charge a fee. Scroll through the map or list to find an ATM near your current location or in the neighborhood of where you’re planning to be. (Note: the app has a geolocator function, so you don’t have to type in your zip code, which is convenient when you’re traveling in a strange city and don’t necessarily know the zip code.)
Similarly, you can use the ATM locator on the MoneyPass website. Type in your zip code and then click on the “Search options” button. From the drop-down, make sure “All Surcharge-Free ATMs” is checked. (Other options include deposit-taking ATMs, handicapped-accessible ATMs, and 24-hour ATMs.) You’ll be able to see your options on a map and in a list.
If you’re traveling abroad and want cash, it can be especially frustrating, as surcharges may vary from non-existent to upwards of $8. (If you have to pay a flat fee rather than a percentage, consider taking out more money but less often so you won’t be drained by excess fees.)
For foreign ATM withdrawals, try ATM Fee Saver, available in 40 countries in North, South, and Central America, Europe, Africa and the Middle East, Asia, and Australia. ATM Fee Saver’s app is available for iOS and Android. The site also has a great blog with travel-related financial advice, like this one on the 9 best ways to save foreign ATM fees.
FIND A LITTLE EXTRA HELP IF YOU NEED IT
Traveling with a disability can up-end all kinds of travel plans. Whether you’re traveling with service animals, need alternative security measures (for example, if you have an implanted or attached medical advice), or will need a wheelchair or other accommodations at your destination, you’ll need to plan ahead.
To ensure that you’re getting all the right information you need, be sure to review the following resources:
Traveling with a Disability (Centers for Disease Control and Prevention) — This covers a wide variety of tasks, like contacting your physician in advance of your travel to ensure you have destination-specific care, acquiring MedicAlert jewelry or other notification-bearing items, to specialized considerations for air and cruise travel.
Traveling with a Disability (U.S. Department of Transportation) — This includes the Airline Passengers with Disabilities Bill of Rights and other helpful information.
Travel: Tips for People with Disabilities (DisabilityInfo.org)
10 Tips for Traveling With Physical Disabilities (Travel Channel)
Traveling abroad with disabilities: Here’s a post-pandemic guide (USA Today)
How to Travel with Invisible Disabilities (AARP)
6 Tour Companies Dedicated to Travelers with Disabilities (Condé Nast Traveler)
Speaking of disabilities, it’s been really gratifying to learn that great strides are being made in helping travelers living with invisible disabilities.
In case you’re unfamiliar with the term, invisible or hidden disabilities can refer to any type of disability that is not obvious. If you see a person in a wheelchair, using crutches, or walking with a white cane, that’s a visible disability. Invisible disabilities may relate to physical concerns that are not immediately apparent (anything from deafness to asthma, heart conditions to diabetes). But they may not be primarily physical in nature — consider Alzheimer’s, aphasia, dyslexia, autism, etc. Any of these can make traveling problematic.
Hidden Disabilities Sunflower Program
Recently, I was fascinated to learn about the Hidden Disabilities Sunflower program. This program provides lanyards with yellow sunflowers on green backgrounds to alert airport and airline workers that the person wearing one might need some extra time or assistance. Imagine how much easier it would be to have people trained to look for the lanyard rather than always having to jockey in line to request assistance for yourself or someone with whom you’re traveling!
The key is that you don’t need to disclose your specific disability to get a lanyard, nor does the lanyard say why you need help, because “why?” is beside the point. Instead, workers are trained to recognize that individiuals wearing the lanyards may need help, support, or additional time, and should ask, “How may I help?”
That said, individuals can personalize the card (for purchase at a small fee) for their lanyard with up to five different icons (of 25 available) to help identify the kind of assistance they may need. For example:
Hidden Disabilities Sunflower initially launched at the UK’s Gatwick Airport in 2016. The program has now grown to include about 216 airports worldwide in 30 nations, including 93 here in the United States (of which 19 will be launching the program soon). British Airways, Air France, and ten other airlines, along with many other businesses, have also signed on to participate in the program.
In addition to prioritizing assistance, airports and shopping venues are developing Sunflower programs. At the Pittsburgh airport, to help individuals with sensory issues, they’ve developed a room with tunnels, wall displays, rocking chairs and special lighting to create a soothing environment. The Seattle airport has a similar Sensory Room and Interfaith Prayer area.
Learning about this reminded me of the large tunnel between concourses at the Detroit airport with psychedelic lighting, which I originally saw in 2016. On each side of the tunnel, there’s a button to push so that people with epilepsy or other sensory issues for which the tunnel would create difficulties can stop the effects. Push the button and the strobe and lighting effects cease for the period it takes to cross to the other side, then start again soon after.
So far, the Hidden Disabilities Sunflower index includes more than 900 disabilities, and there’s a form to list any that have been missed.
The Sunflower lanyards are free.
Find an airport or business participating in the Hidden Disabilities Sunflower program here.
If you do travel in the coming months, I hope you have a safe, serene, and organized journey.
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