The New Year is a time of recharging and starting over. For me, it’s a time for the annual purge of the files. I’m a pack-rat who never met a piece of paper I didn’t want to keep.  Every year, I vow not to do this, but somehow I end up with home-office files stuffed with cable company bills, medical insurance explanations of benefits, and tons of articles I find on the internet to read later.