Important documents to secure for contingency‏

Keep these essential papers in place and inform at least one family member so that your heirs don’t have to run from pillar to post to inherit what is rightfully theirs.

1) Primary documents
These include your birth certificate, marriage certificate, PAN card, passport, election ID card and the Aadhaar card. Will be needed when transferring assets to your heirs.

2) Insurance details
The purpose of life insurance will be defeated if your family is in the dark. Make a list of all the policies, mentioning the name of insurers, policy numbers, insured sums and the tenures.

3) Pension documents
If you have an NPS account, mention the account number and nomination details.
Give the pension account number with your employer.

4) Property papers
All property-related documents should be in one place. If the property is mortgaged, keep photocopies.
Mention the loan account number and the latest outstanding amount. If property is insured, mention policy coverage.

5) Bank account details
Make a list of various bank accounts, giving the name of the bank, the account number, holding pattern and the nomination details.

6) Bank locker details
Mention the name of bank, locker number, ownership pattern and whereabouts of the key. Maintain an inventory of items kept in the locker and update every time you operate it.

7) Demat account details
Give the name of depository partner, demat account number and nomination details. If possible, update the details of the securities in the demat account.

8) Other investments
Give details of the PPF account and folio numbers of other post office investments. Make a list of mutual fund investments, mentioning folio numbers, ownership pattern and nomination details.

9) Loans and Receivables
If you have taken or given private loans to relatives or friends, mention the amount and the date by when these are payable/receivable.

10) Online 10 passwords
Though these are to be kept secret, keep a list for emergency reference. Mention the website, the online ID and the password.

Keep this in mind

This information is to be kept secret and accessed only if the main breadwinner of the family has either died or is in a medical emergency. Make sure to update the information regularly. How often you do this depends on your convenience and the changes in investments. The information listed above is very basic. you may want to add more details of other assets along the same lines. You may want to make an online version of this information as well, but make sure it is on a secure site.

Store your documents online

Worried that your documents are not secure? Digitising them could solve the problem. Many portals now offer to store digital versions of your documents, which can be accessed by anyone from anywhere, saving you the cost of buying and printing reams of paper.

You can make changes to the files offline and this can be synched automatically when you log on to the Net.

You can use services like Google Docs (docs., DropBox ( ) and Windows Live SkyDrive (

The latter lets you store up to 25 GB of data for free, while DropBox provides a free account of 2 GB, which can be upgraded to 50 GB for $9.99 (Rs 560) a month.

Kleeto ( is an Indian company, which allows you to store 15 physical documents for a basic subscription charge of Rs 200 a year. The company collects the files from you and uploads the scanned versions that you can access. Whenever you need the original documents, they can send them to you within two to three days.

You can store your medical history on and MyHealthRecords. in, which let you upload scanned paperwork. This lets you access the information any time and avoids wastage of money on duplicate tests if you misplace a report.

There are also apps that help organise your paperwork and make good use of offers, such as Warrantify. This app allows you to scan your receipts and warranties, and store them on the cloud. You can add information about the model, price and warranty validity. The app will keep track of the warranty period and notify you when the expiry date approaches.

Making a will online
If you are tech-savvy, you can get a will made online. A few firms, such as Warmond Trustees & Executors and, offer this service. To make a will online, you need to register with the company and key in your personal and financial information. Once the details are uploaded, the company drafts a will and sends it to you within seven days. Besides making the will, these companies help with the registration and act as executors. The cost of this convenience: Rs 10,000. However, you need to have a digital signature for signing an online will. The two witnesses must also have digital signatures.


Top 10 Productivity Tips‏

Hard work is old school. Smart work is where most productive friends to see how they get it right. Make the shift from hard to smart with our top 10 productivity tips.

1. Stop multi-tasking
Maybe you havent read the news yet, so wel tell you multi-tasking is six feet under. Its been given the last rights, buried and mourned. The idea that you can focus on more than one thing at a time and be even remotely efficient has been exposed for the BS myth it is. If you want to be productive then the first thing you want to do is FOCUS on one thing at a time.

2. Make Lists
Keeping track of the things you want to accomplish is way less painful when you make lists for daily, weekly and monthly tasks. Plus its so satisfying when you cross things off!

3. Get out of your InBox
How many hours do you waste every week with those quick email checks that end up as hour-long black holes of correspondence? Set specific times each day for checking emails, and give yourself a limit to how long youl spend each time. Every email should fall into one of three categories:
a. delete immediately
b. quick response (under 5 minutes)
c. deal with later.
*Category C should make up a tiny fraction of your emails. Deal with them at the end of your work day and get them out of your InBox before the days end.

4. Take breaks
Schedule specific breaks for yourself and stick to them. Giving yourself 10 minutes every 1.5 hours to stretch, go outside or do anything that is NOT work will give you a little brain-n-body boost.

5. Quit the chit-chat
Social hour is social hour, whether its virtual or at the local bar. Skype, Messenger, Twitter, Facebook or anything that rings, bleeps, pops, buzzes or tweets should be turned off if you want even a modicum of productive time.

6. Prioritize
What are the most important things you need to get done today, this week, this month? Do them first, when your energy is fresh. Fussing with details that dont take much brain power wastes time when youre feeling chipper. Leave those little things for times when you only have little bits of energy or focus.

7. Rise-n-Shine (early!)
When you start your day early you give yourself more time to get things done. But theres more! Once you get going (as in: out of bed), you tend to have more energy than if you slept in. (But hey, if youre aiming for (groggy and unmotivated then by all means, stay in bed til noon!)

8. Clear the Slate (or desk)
Make sure your work space is clear of unnecessary clutter and this includes your computer desk top. A cluttered space is no friend to an organized and focused mind.

9. Schedule it
Appointments, work time, fun time. Not that we want you to marry your day planner or anything, but making a basic daily, weekly and monthly schedule that balances work and play helps keep your whole life in balance.

10. File it away
When a task or project is complete, put it where it belongs. Get it out of sight and out of mind so you can focus on the next task at hand (see #8 if you dont believe us).