Winter Storm Remus: Checklist of preparations (and why it matters)

For those in the South and the Southeast, today (or tonight ) is a time when we should be prepared for a potential power outage, according to the weather reports that emphasize the potential for heavy snow, downed tree limbs and more. With heavy snow, it may take a few days for stores to be accessible and resupplied with goods. Good leaders, whether of a business, a department, or a family, think ahead and do a risk assessment.  Are you prepared adequately for this severe storm? Do you have flashlights, and extra batteries of the right size? Have you checked the flashlights recently to make sure they still work? Do you have sufficient water on hand? Electricity is needed to power the water pumps. The Federal Emergency Management Agency (FEMA) recommends 1 gallon per person per day. Many people recommend filling up buckets with water in advance of the storm to flush toilets. Is your laundry done ahead of time? Are your faucets dripping, so they don't freeze and burst? Are the under-sink cabinets also open (and any harmful chemicals that are normally stored there  put up high if there are children or pets)? Opening the cabinets warms the pipes. Do you have a way to stay warm if the power goes out? Do you have food prepared, extra canned goods and foods that do not need refrigeration (such as peanut butter, bread, fruit, cereal, and milk in aseptic containers), and a mechanical can opener available? Do you have a safe way to heat food inside, or if necessary, outside, if there is a power failure? Do you have a carbon monoxide alarm and does it work, in case you are attempting to use a dangerous way to stay warm inside a dwelling, and are not aware it is dangerous? Are your electronics, such as your computer, tablet and cell phone, charged up before the storm? Do you have a way to charge them if the power goes out? If you use electrical medical equipment such as a CPAP machine or other device, how do you plan to keep it working during a power outage? If you take medication, do you have sufficient on hand for the length of the storm and a few days' afterwards? If it needs to be kept cold, such as insulin, how will you do that? How will you get communications about the storm during the storm and afterwards? Do you have a battery-operated or crank-powered NOAA (weather) radio, and extra batteries if it is a battery-operated radio? If it is solar-powered, is it charged fully before the storm starts? If you have babies, do you have sufficient diapers and formula on hand for the length of the storm plus several more days? If you have pets, do you have enough pet food and pet supplies such as cat litter or pee pads on hand for the length of the storm and several more  days? If you have a car, is the gas tank full? Is there a car emergency kit in the trunk, with such items as extra water, emergency foods, blankets, extra hats, gloves and dry socks (as extremities freeze first)? Do you have a snow shovel and rock salt, if you may be responsible for clearing a path outside your home? Many Southerners do not normally have snow shovels, but they may make a big difference with the expected amount of snow. If you have renter's insurance, homeowner's insurance and/or car insurance, do you have your policy numbers and contact information written down on paper (in case electronics don't work), in case you need to contact these insurance companies because of damage?  Details on more preparations for an emergency kit can be found at www.ready.gov/kit  . Why do all this planning? Think what the implications could be for you or your family if you are not prepared! Great leaders  not only plan ahead, they also learn to communicate well. Business Speech Improvement offers Executive Communication Techniques, a concise e-book of 18 vital communication skills today's leaders need. Think like a leader; get this book now to know how to communicate better tomorrow. (Yes, you can read it with a flashlight if necessary!)

The Superstorm and Your Financial Records

All over a large part of the USA today, there are many families whose homes were destroyed by a powerful tornado or other major storm. They are going through the remains of their homes, salvaging whatever they can. What will happen to their financial records, as papers are scattered?

Now is the time, before the storm hits your community, to start writing your financial facts. Write down your birth-date, current and past addresses.

Then write down your insurance information. List your car, homeowner's/renter's insurance company, policy number and claims department phone number. add your health insurance policy and liability insurance information, if you have it.

Password protect the information online. It is easy to do with controls that may already be on your computer.

Print  a copy of this out and put it in a clear plastic sealable bag, or put it in your purse or wallet for now. If you can, send a copy to a friend in another state to keep for you in case  your home gets destroyed. You can also put this information on a password protected flash-drive attached to your keyring.

For more information of what to collect and an easy format to use, check out the Financial Overview Template. Even if you can't collect all the information you need, imagine how relieved you will be in the event of an emergency to have some of the information easily accessible!

3 Reasons to Start Becoming Financially Organized Today

How simple is it for you to get a complete picture of your personal finances? Can you easily access your account numbers of your various accounts: bank, retirement, stock brokerage or more? Can you find your various insurance policies' numbers, and the phone number to call for claims for each?

If not, today's the day to start getting organized! Here's why:

Reason #3: If something bad happened to you - unexpectedly - would your family or a trusted friend be able to easily  access the financial arrangements you have in place? Or would they have to paw through stacks of papers desperately hoping to find the right information  instead of using precious  funds and time needed for something else? If you care for a senior citizen whose memory is going, use this today to gather as much information as you can (including some tips on where to look for other relevant information).

Reason #2: If a weather disaster occurred, would you be easily able to contact your insurance company and calmly give them the details they request to settle your claim quickly? Would you know your policy numbers and how to reach the claims departments?

Reason #1: You deserve to experience the serenity that comes from having your financial affairs organized! You deserve to be able to have your assets - and debts - in one place, so that you can access them whenever necessary.

Getting organized does not have to be overwhelming. It involves finding one single fact at a time and writing it down. You can do this while opening your mail and e-mail, whenever you get some financial information. Add to it with information about your benefits from work.

To make it easier, The Financial Overview Template (www.myfinancialrecords.net), lists the details you will want to gather, as well as how to find missing documents you may need.

Imagine what it will feel like to be organized financially...to be able to find the information you need, easily and fast.... Get started today with the Financial Overview Template!

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!

Leadership: Developing and Communicating Emergency Plans

What would you do - right now - if the electricity went off in your home or business? Do you know where the closest flashlight is, and have the batteries been checked in it this month? Could you find it easily in the dark? How would you cook or get heat? Are there people who are dependent on electricity for medical reasons, such as CPAP machines? If so, do you have a back-up generator?

Now consider the common emergencies faced in your workplace or home. Besides a loss of electricity, consider weather-related ones, medical, building repair, financial, personnel and legal ones (such as someone getting arrested).

Recently, a reader with expertise in emergency management asked his supervisor about the organization's emergency management procedures. The employee was startled to hear that the supervisor didn't know these plans, but referred him to the Human Resources department.

If emergency plans are not known to everyone - and practiced regularly - there is a major problem in communication. During a disaster, it's too late.

Ready.gov is a great source in the US for information on how to prepare for common emergencies.
Check it out!

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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!

Retirement Planning and Eldercare Financial Organization

Do you fit into one of three groups of people: needing to organize your own financial records (possibly for retirement planning), caring for an elderly parent and needing to organize their records, or organizing your documents in case of a future disaster/recovering from a past disaster? In all three cases, you want to check out a new website, www.myfinancialrecords.net. Here you will find a great document, a template you can use to organize all the details of your financial life! These might range from your insurance policy numbers and who to call if you have a question or claim, to numbers for retirement accounts, your Vehicle Identification number, and a LOT more! Imagine the peace of mind you will feel when all that information is easily accessible to you! Plus, if there were to be a disaster, you could save an incredible amount of time There are also instructions on scanning personal documents, such as professional licenses, birth certificates, passports, your house deed and much more, and how to replace those that are missing. Then keep a hard copy of them, in a notebook sealed in plastic, for your records in case of emergency. In addition, put them on a password-protected flash-drive, to take with you in case of emergency when you are out of the house. Ready for that feeling of relief? Check out www.MyFinancialRecords.net!

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!