The media and the world is telling us to “be prepared.” From wildfires, to storms, from disease to market crashes – there is no better time to have emergency provisions put together. Even if the current crisis comes to pass before you utilize your supplies – the beauty of your organization is that it will be ready for the next time.
The Crisis group in 2019 – predicted 2020 would be the year to be aware of the conflicts in the Middle East and Northern Africa, and how they could affect our troops, morale and financial market. The United Nations pointed to climate change, inequality and poverty. Wherever we live, whatever we do, whatever our age – there are some preparations that are universal.
The rule of thumb is approximately three days or 72 hours of supplies per person. Think about not leaving the house for a long weekend – what foods and beverages would you have home. Extending this thought process to utilize your fridge and freezer space to have food for a week – many of us already do this as we have a weekly grocery run. The preparation piece comes in when we need to foresee meals and snacks that can be prepared and consumed without appliances that run on power – no microwave, oven, stove, freezer, coffee maker, electric can opener. In the case of beverages: No clean, running water would require filters or bottled water, no milk in the fridge – replace with powdered milk.
Action Item: True emergency preparation includes trying out the system to see if it works. Perhaps have a day of preparing and eating meals this week that doesn’t utilize appliances and running water. Is it possible? And what additional resources does your home need?
When the media informs us of an upcoming crisis, the rule of supply and demand is impacted by the need for general house supplies. Hygiene goods such as Soap, paper goods, and diapers. Health resources such as prescription medications, first aid kits and over-the-counter pain medication. General supplies such as trash bags and batteries. Many of these exist in our home, but may not always be in a systematic place.
The preparation piece comes in when we need to grab some of these items and go – perhaps loading up a vehicle or putting them in a bag and leaving on foot. Can these items be put in smaller packaging or containers to be accessible to anyone in the home.
Action Item: Do a quick sweep of your home environment and see where to store additional items and make purchases of items that are running low. There are downloadable resources on FEMA website which can serve every scenario. Setting up an account on InsureYouKnow.org will provide you a safe place to store copies of your identification and medical records. This type of information may not help you at the moment of the emergency – but are the elements you may need to refer to when putting things back together. The easy access provided by insureyouknow.org is one less provision that you need to trial.
How was your holiday period? Did you get a chance to breathe, reflect, and realize the end of the 2019? For some the span of a year can see growth – the accumulation of education, the addition of spouses, and the birth of children; for others it’s a period of shrinking – downsizing of homes, challenges in health, and the death of siblings. The majority of people have a bit of both – the twelve months in a year gives plenty of opportunity for planned and surprise change.
With the addition of technology leading to increased communication and access to the world events – we are aware of not only our own ups and downs, but those of our community, country and world. In mid-2019 – research estimated that 23 billion text messages are sent each day worldwide – and the majority of them are read within the first 3 minutes of being received. (techinjury.net) The Journal of Accountancy says that “The average American checks her phone 47 times a day.” This means we are hyper aware of activities – but are we retaining any of these changes?
Here are some of the highlights of the 1919s and 2019s – which ones were easier to remember…
The 1919s of the Past. This was the period post WW1 which occurred from 1914-1918 and was the first major war affecting multiple countries. As with major conflict – there was loss of routine, possessions and people. In 1919 – the post-war negotiations and development led to the creation of the League of Nations – which is now the United Nations. The Dutch airline KLM was created – and is still in existence today, and services 145 destinations.
In America – The US President was Woodrow Wilson who suffered a stroke – leaving the President with less mental and physical capacity for the remainder of his term. Despite the President’s veto – the Volstead Act established Prohibition. The 1919s ended with the Seattle Strike where the whole city stopped for 5 days as unionized workers advocated for change.
The 2019s of the Present. This could also be labeled as a period of volatility. From Hong Kong protests against the bill with mainland China, and the climate changes with the polar vortex and wildfires in multiple countries. The volatile stock market reflects the multiple changes in technology innovation and government clashes.
In America – Gun violence increasing with 423 mass shootings of 2019. Gun Laws changed to permit open carry – allowing guns in schools in some states – to provide protection. The 2019s ended with the Congress impeachment of the US President for abuse of power and obstruction of Congress due to bribery and wire fraud. This means that the US government has many changes to come.
What are the 2119 historical or memorable moments going to entail? Will they continue to range between conflicts and innovation, health and mistrust? Will we have stability or continue to cause emotional ripples through communities and counties?
2020 is the start of a new decade – and upon taking a breath to reflect and realize – there could be a plethora of items and thoughts that could be stored in InsureYouKnow.org. The product offers a safe place to store all the information in case you need to access it immediately, remotely – or in the next decade
Our days are full. Our lives are full. We continue in our daily routine. But then something happens – the car doesn’t start, there’s a storm which makes the fence fall, the washer stops working mid-cycle. After the initial panic and stress, we utilize our resources and find a way to prioritize that and get it fixed. Perhaps a neighbor or our partner lends a hand, or we contact a handyman or the warranty company. However the larger “somethings” take a while to fix – the car needing new parts, the fence damaging the water line, or the appliances that need replacing – which alters the way that our days and lives function. Multiple resources are required to help continue our daily routine. In some cases there is no way to fix the something and we need to stop our lives and re-evaluate what life will be like now. The resources cannot fix or support us – but Insurance can help.
There are so many types of insurance – car and home insurance are the most commonly marketed along with health. Every year – the National Association of Insurance and Financial Advisors dedicates September to Life Insurance Awareness Month. They launch a site and full spread of marketing materials on www.lifehappenspro.org to educate the public about the importance of planning ahead for the “life happens” moments. Life insurance has been misconstrued as a product that is only available for individuals with excess or resources but there are several options for all types of people.
When you search “insurance” in google – 4,960,000,000 results – pop up. How do we find the time, the right advisor, and the right type of insurance for your personalized needs?
Go to the well-known companies – the ones that show up in the top 10 search or the ones that are advertised in your life (television, billboards, newspapers, flyers in the mail). They often have resources that inform about product types before even interacting with the sales area.
Go to someone based on referral – the ones that your friends or neighbors recommend. Family members alwayss have an opinion on something and even a negative story can steer you in the right direction. If you don’t have a community of people in your life to ask, putting an “ask” out on social media will provide comments that could be useful.
Go to a website that provides prices – the ones that can give you information without interacting with people. It’s tough to know what is a good price without knowing a ballpark range. An example of this is insureyouknow.org which provides a quote directly to your inbox after answering a few simple questions.
Insureyouknow.org can support you with your life insurance needs by providing you quotes directly on their website. There are also other InsureYouKnow.org product offerings to help you reference those important records when the “life happens” moments occur. It’s a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. An annual plan is available to support your budget needs.
The children are watching… your every move, your every snack and your every minute carved out for yourself. They are hungry for attention, for something fun to do, for YOU. You could be their parent, uncle, grandparent, neighbor or even the passerby in the grocery store aisle, but the child has a fascination and need to soak up all stimuli. How can we fathom what is going on in their minds with neurons firing and brain cells absorbing YOU?
There are many similarities between the preparation for the school year, and learning more about what makes you, YOU.
School Supplies – We get a list of school supplies provided by the school perhaps 3-4 months before the new school year starts. Some people will purchase the full school supply package from the school, have the supplies delivered to the school and not worry about anything further – their job is done, without even reading the list. There is the group in the middle that have studied the list, reviewed the communal supplies like tissues and wipes, and child-specific – pencils, folders, and composition books and are working at their own pace to find the best deals and coupons at the best stores. And others will see the list, but not act upon it until the last days before the school year starts – nearly 100 days later – and will rush to the nearest store to gather everything and more.
Which is better, which is YOU? It really depends on your values. Group 1 saves mental stress but spends more. Group 2 saves money but takes on the mental stress throughout the summer. Group 3 spends more and has intense mental stress. Our personality type dictates how we handle the school supply task – and other to-do items.
Organizing the Calendar – The Summer months give many families a chance to escape from reality. The calendar belongs to you instead of the school system. Some people will fill the calendar with vacations and camps; there is something “to-do” everyday – essentially keeping the constant flow. Others will take each day as it comes, they may not know what day it is, what time it is and what is the next meal – the Summer is the Summer. The last group tries to have it all – keeping a foot in reality but having some fun along the months.
Which have you followed, which is YOU? It really depends on your circumstance. Group 1 may have more financial resources. Group 2 may have more time. Group 3 may need more control. Our life dictates how we handle the calendar – and other activities in our lives.
As you watch the frantic caregivers purchase school supplies, organize their calendars, and keep the youth entertained for just a few more days – remember there’s InsureYouKnow.org product offerings to reference those important records. It’s a safe place to store all the information in case you need to access it remotely – or from the comforts of your own home. Take stock of the summer memories and your current resources with an annual plan.