Winter Storm Coming and Your Risk Assessment

Winter Storms Neptune and Octavia are on their way! Are you prepared?

1. Now is the time to plan ahead for future business-oriented weather-related potential risks.  Depending on your business and location(s), who will make the crucial decision to close (if that is an option for your work-site)? If you close, what processes will be affected? Is there a way to transfer those responsibilities to someone else to handle remotely - and do they have the right equipment to do so, at an appropriate level of security? 

Who will respond to phone calls and e-mails, handle expected deliveries or products to be shipped out? Whose job will it be to notify patients, clients, students, customers, vendors or others that you are closing?

If your plan is to shelter in place, who will make that decision and how much advance notice will employees have?

Will those employees who have children in schools, elders in daycare or other responsibilities such as pets have an option to take the day off?

2. Be prepared at home for a winter storm. Information at www.ready.gov can help prevent frozen water pipes and much more.  If power lines come down, do you have alternate sources of light, such as extra D-batteries and flashlights that use them (as they last longer than smaller batteries and generate more light)? Do you have a way to cook and a manual can opener? How do you plan to stay warm if you have a home with electric heat? Do you have extra bottled water?  Do you have extra diapers, medicine and other supplies if you can't get to a store due to icy roads? If you use a C-pap machine or other electrical equipment for medical purposes, do you have a home generator or a battery-powered option for the machine? If you have medicine that needs to be refrigerated at a constant temperature, how will you manage that if your electricity goes out?

Do you have renter's or homeowner's insurance? If so, have you read the policy and know what it covers? For example, if a tree falls, does it cover some or all of the cost of having it removed? What about if it damages your home or vehicle? Are the contents of your refrigerator and freezer covered if there is no electricity and the food spoils?  If you have to stay in a hotel because of home damage, is that covered in your policy?  Do you have the telephone number and policy number to call the insurance company if you need to file a claim for renters', homeowners' or auto insurance? If you have this information, is it written down on paper in case your electronics do not work? (If you don't have renter's insurance and you rent,  do consider getting this insurance as soon as possible, definitely before the next storm. It can be inexpensive to get, and can be a lifeline if you have a disaster in your apartment or rented home.)

3. Lastly, how well is your vehicle equipped for being on the road in bad weather, even if your commute is usually a short one? Do you have an emergency kit consisting of blankets, extra hats, gloves and warm socks (because cold affects extremities first),  a flashlight with extra batteries,  an orange emergency triangle, emergency foods, water,  jumper cables and more? (There are lists of what to include at http://www.dmv.org/how-to-guides/emergency-kit.php.) If you have babies or young children, do you have necessary supplies such as extra diapers and toys in the car for them?  Do you fill up your gas tank when the weather starts looking ominous, and make sure your cell phone is fully charged?  You can't control the weather, so think ahead about what you could need and put it in a vehicle emergency kit today!Be prepared for the these severe storms; plan now!

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Winter Storm Electra and Your Emergency Preparations

Winter Storm Electra, a severe storm,  is predicted for 20 states  of the USA in the next few days. Those affected need to be prepared with extra water, easily prepared food (and a manual can opener), extra medicine, extra batteries for flashlights, rock salt and shovels if in the freezing rain, ice storm or snow zones,  charged up cell phones and computers, a well-stocked car emergency kit if traveling, and a full tank of gas. You need to pay close attention to the latest weather reports and warnings, whether by radio, internet or TV.

But think beyond this. If the worst should happen, would you know how to reach your homeowner's/renter's, car and health insurance companies? Would you have your account numbers and the claims departments' telephone numbers handy? Would your family know how to get these for you, in the event you couldn't make these calls?

Now is the time to think about these possibilities, not later when you may be dealing with weather problems.

An easy way to get organized financially is through the Financial Overview Template. Use this easy template to write down as much information as you can find now, before the storm gets bad in your locale.  Then, be sure to print a hard copy of it, which you can get to if needed, if the electricity goes out.    After the storm, add the rest of the data, bit by bit, as you locate it. (As your information changes over time, you can update it easily.)

The pay-off for this will be a serene sense of financial organization and confidence; you will be able to find  the data you need, when you need it. Just think: your account numbers will be easily accessible. Your knowledge of your benefits and what they cover, your retirement information, and many other details will be quickly available, too. Imagine how great that will feel! Get the Financial Overview Template now, and be prepared with knowledge of your finances before the next storm comes!

Are you prepared for this disaster?

In sections of the country, disasters such as hurricanes and tornadoes occur with little warning.  Thousands of people have to make the decision to suddenly evacuate  to shelters, often with little warning.

If this happens in your community, and you have to suddenly evacuate, would you be prepared to quickly take your vital financial papers with you? Obviously, saving lives is most essential, but how would you put your financial affairs back in order after the event? Would you know the names of the car insurance and flood insurance companies to call? When the clerk asks, "What is your policy number?", would you know what to say? How about needing copies of your professional license or other credentials, if you decide later to move elsewhere, or your bank account number? If you have a pension or stocks and bonds, are you going to remember the account numbers? Your employer's computer systems may have been damaged.

Before a disaster strikes your community, prepare now! You may not have much warning.

The Financial Overview Template© is a simple form to complete online, listing all of your financial information. This includes details on your bank accounts, insurance policies, retirement accounts and much more. You can do this a little each day, if that helps.  Doing this helps you feel secure that you have all the information in one place. It also helps a spouse or other family member if something happens to you. Lastly, in the event of a disaster, with a hard copy printed out in case there is no electricity for the computer,  you are more prepared.

(Put the hard copy in plastic page protectors, in a notebook, along with hard copies of all your licenses, birth and marriage certificates, first pages of your passport,  military records, diplomas, house deed and car title. Put this all in a sealed plastic bag, and it will be easy to grab in the event of a disaster.)

The Financial Overview Template © can easily be updated online, so the information stays current. (Password protect the page for extra security, or print out the template and fill it in by hand if you prefer.) Should you or your family experience disaster, you will be so thankful you had the foresight to have this information in writing, in one place!

No-one wants a disaster to happen. However, it is always better to be prepared - and that includes getting your financial affairs organized. Do it the easy way: use the Financial Overview Template!

A weather disaster and your personal financial documents

If a severe weather disaster occurred, and you and your family were fortunate enough to have survived, would you have your personal financial documents? Would your birth certificate, marriage/professional/driver's licenses, insurance policy numbers, passport and other documents be easy to grab if needed? After a tornado, survivors' personal documents were scattered over a wide area. After a hurricane, many documents were either lost or very soggy. Imagine how long it would take to put your documents back together again! If they came from local sources, it might take even longer. Planning ahead can save you a lot of grief. Complete the Financial Overview form at www.myfinancialrecords.net and have your essential personal documents in one place, with all account numbers, contact information, etc neatly on the 17 page form. From insurance policy numbers to bank account information, this is ready for you to write down the information you might need. You will have this together for your everyday use, too. Do you need to know your passport number or the way to contact your bank? With this document, it's a snap! For a limited time only, this document is free for those who answer a single question at www.my financialrecords.net. This is an exceptional deal, so hurry today to www.myfinancialrecords.net now to get the document! www.myfinancialrecords.net helps people with preparing information for eldercare, for gathering and understanding your own finances, and with disaster documents. Check out this great new resource!