Hurricane Sandy and your personal financial records

You've got your 3 days' supplies of food and water. You have clothes, blankets, prescriptions, a weather radio, flashlights and extra batteries as well as a cell phone charger. Do you also have copies of your personal financial records - in at least 2 formats? Financial records are crucial at this time. If they were to get wet and/or lost, it would take a lot of work and time to get them again. Gather together copies of birth and marriage certificates, drivers' and professional licenses/certificates, diplomas and transcripts, and green cards. You also need insurance papers, such as car and home-owners or renters insurance. If you are lucky enough to have flood insurance, get that as well. Get your medical, dental, disability and long-term care or other insurance cards and policies as well as bank records. Also collect information about retirement accounts, such as IRAs, and investments. Write down the names of your utilities, contact information and account numbers. If you need to cancel your accounts, you will be able to do this more easily. Take photos (maybe using your cell phone) of your property. Take close-ups of valuable things, such as jewelry, furniture and your car. Write down any details listed on the jewelry or furniture if you have time. The power may fail, so bring some cash for emergencies in the event you cannot use your credit cards. Speaking of credit cards, photo-copy the front and back of them. The back has the telephone number to call if your card is lost. Of course, if your card is lost, you won't have this number - and will be liable for the cost of goods charged to it. (Nice racket, isn't it?) If you have a business, get your liability and other business insurance policies, as well as business licenses, too. Get names and contact information for all your employees. That may mean cell phone and e-mail addresses. Get a list of all your creditors and those who owe you funds. If you are an employee, write down the contact information for co-workers and your boss, if possible. Make a list of your relatives' and close friends' contact information, so you can contact them later if needed. Designate one person outside of the anticipated disaster zone to be the contact person for the family - and send him or her a copy of the list of the relatives. As each person arrives in a shelter or other location, that person calls your contact person if possible to say she or he is safe. If you have time, also make a list of this information above. For example, write the name of your bank, its' address, phone number and URL, as well as your bank account numbers. Write your credit/debit card numbers here, as well as the number to call if they are lost or stolen. Do the same for all your insurance policies, with the name of the company, contact information, your agent's name if you have one, the policy number and the number to contact if you have a claim. Be sure to list when the information was last updated. Then scan the actual documents or the list above and put a copy onto a password-protected flash-drive you take with you. Make a copy of the documents and/or the list and put it into a sealed plastic bag that goes with you, as well. (This is especially helpful if there is no power and you need the information on the list.) If you are not in the path of this hurricane, prepare this information anyway. It not only will help with a disaster, but will also make it so much easier when you need to make changes to your financial information and need account numbers and contact information. It will also be invaluable to your heirs or other executors of your estate. Business Speech Improvement provides intensive training in verbal skills. Check out our coaching and e-books! The information above is provided as a public service.

After Hurricane Isaac: Are You Prepared for a Disaster?

"We've never had a disaster here", said a young father of 2, when asked if he had prepared for a disaster should it strike his home. His implication was if a disaster had never happened before, it wouldn't happen now. Is this what you or others you know are thinking?

Disasters can strike anywhere, regardless of whether one has struck there before. (There's always a first time.) The only control you have is whether you are prepared.

Don't wait! Visit http://www.ready.gov/are-you-ready-guide/
to be as prepared as possible. Your life, and the lives of your family, may depend on your willingness to think ahead and gather the supplies you need for potential disasters in your community.

Ger an emergency radio and put it where it can wake you up in the night in the event of an emergency in your area. You want all the warning time you can get; don't assume you will know about a disaster because the wind will wake you up in time to get somewhere safe.

Also scan and put essential documents on a flashdrive. These may include copies of professional and drivers' licenses, a will and power of attorney, medical records, financial documents, your home or renters' insurance papers, a home inventory, a list of family contact information and more.

Exert your control. Think ahead and make a plan for your family in the event of an emergency - today!

Giving in Times of Disaster: What Do You Need?

When a community experiences a disaster, such as a weather-related one, it goes through specific steps. The first one is search and rescue. Outsiders should ask people if they are OK, and then be prepared to listen - often repeatedly - to what they went through. Before offering help, whether bottled water, clothes, toiletries or whatever, ask first "What do you most need?" Those asking may be surprised at the answers.

The disaster doesn't end in a few days when the news media tires of the story and goes on to something else. Take time to keep asking, "How are you doing? What do you need?"

Whether it's a listening ear, a sense of routine and calm, replacement furniture, batteries or specialized equipment, the answers keep changing. Disasters take a long time to recover from...and life will never be the same.

If you have never experienced a weather disaster, it's a great time now to get prepared. Visit www.ready.gov and follow their suggestions. Get a weather radio, and prepare for the most likely weather emergencies in your community. Make copies of the most important financial, legal and professional records you might need after a disaster, such as your homeowner's or renter's insurance documents, your car insurance papers, your licenses, diplomas and certificates - and send one set of these to a trusted family member or friend who lives in another state, to hold in case it is ever needed. Make a second set and put it where you could grab it in the event of an evacuation. Being prepared increases your feeling of control and may reduce the after-effects of a disaster.

You can't prevent disasters, but you can get prepared for them and listen carefully to those who have experienced one.

Business Speech Improvement (www.BusinessSpeechImprovement.com) provides intensive training in verbal communication skills, such as listening and asking critical questions.