In 2020, Labor Day is celebrated on Monday, September 7. According to the U.S. Department of Labor, this holiday is a yearly national tribute to the contributions workers have made to the strength, prosperity, and well-being of the United States. The first Labor Day holiday was celebrated in 1882 in New York City. Three years later, the holiday had spread to other industrial centers of the country and began to represent the end of summer and the start of the back-to-school season. Although Labor Day is typically celebrated in cities and towns across the nation with parades, picnics, barbecues, fireworks displays, and other public gatherings, the manner and extent of America’s annual celebration to honor the American worker will be different this year during the COVID-19 pandemic.
A three-day holiday weekend this September may not signal a time to publicly celebrate for many Americans affected by high unemployment, shifting industry hiring patterns, and fundamental changes to the way they work and play amid the COVID-19 crisis. If you are unemployed, underemployed, or just ready for a change in your work circumstances, the following tips may increase your chances of finding a job under the current challenging labor market.
Review your resume and online professional presence. If it’s been a while since you’ve applied for a job, evaluate your resume to make sure it’s error-free, fully updated, and customized for each job for which you submit an application. Post your resume on your own website if you have one, and on online job boards or sites specific to your target industry. Consider adding work samples, links to any published work, or a video introduction to your resume. Use keywords that will yield results in search engine queries conducted by prospective employers. Keep your references informed about job leads and scheduled interviews so they will be ready to respond to requests for recommendations about your job performance and history.
Look in the right places for opportunities. Current hiring trends may include positions for freelancers and remote workers for which you may be eligible. You also should be willing to consider new industries where job opportunities have been stronger, such as technology and health care. Contact people in your network who are employed in favorable hiring industries and explain your interest and availability.
As companies move to remote work to fight the coronavirus pandemic and an increasing number of workers are being laid off or furloughed, you might be wondering if you should continue to send out resumes or just assume that no one is hiring for the foreseeable future. It’s true that economists are predicting a recession, but career experts advise to keep networking and applying, provided you change your approach to acknowledge these are uncertain times.
Join professional groups on Facebook and LinkedIn that offer a wide range of options with groups for a variety of professions. Make yourself visible to online groups by introducing topics or adding to conversations that allow you to demonstrate your expertise.
Figure out your strengths. Know your skills, your worth, and your passions – these are the things that help differentiate you, and allow you to thrive in the areas in which you’re most competitive. To address remote working conditions, emphasize your comfort and expertise with technology, including remote collaboration and communication programs you’ve used and endorse. A good job search is targeted in many ways, including knowing where you’ll be appreciated and in demand. Analyze job descriptions by listing each required skill and experience. Then consider whether you have that exact skill, if you have the skill but haven’t used it in a few years, or if you’re lacking the skill entirely. Apply that information to determine what you need to improve on to make yourself a better candidate when the job market picks up again.
Refresh your skills. Look into taking free or low-cost courses online or obtain certifications in a new skill that can complement your existing job path or lead to a new career. Due to the COVID-19 pandemic, many online learning options provide free or lower-priced educational programs and courses on professional development, leadership, and communication skills that allow you to continue working in another capacity while you complete your studies.
Check out free online course including MOOCs (Massive Open Online Courses), EdX classes with courses from MIT and Harvard, and free Microsoft training and tutorials. In addition to providing job announcements and company descriptions, TheMuse.com links to online courses “that’ll boost your skills and get you ahead.” Learn to use remote communication and collaboration programs like Slack, Zoom, Skype, the G-Suite, and Dropbox that can be learned and applied quickly.
Rely on others to help in your job search. In addition to a source for new jobs, your network also can be the best place to advertise your job skills and career ambitions, seek help securing loans or financing to start a new business, assistance in applying or being admitted to a new career training or degree program, or to obtain introductions to others who might be able to help in a job search. Check out your high school or university’s alumni network to learn where your connections are working. When you reach out, ask for a short informational interview to learn more about their workplace, and during the conversation, ask whether there’s anyone else you could speak with at the company. Repeat this process until you’ve spoken to someone in the department you think is the best fit.
During an economic slowdown, it’s important to focus on what you can control—by improving your skills and reaching out to your network, you can lay the groundwork now so that when the crisis is over you have opened doors and rekindled relationships.
Project yourself on Labor Day 2021. Pending the development and implementation of a coronavirus vaccine, the COVID-19 pandemic may be over within the next year. Analyze your need to overhaul your career or to take gig jobs or other freelance work if you’ve been laid off and are facing overwhelming debt and unemployment for an unforeseeable time. If possible, don’t make dramatic job changes or career decisions that can impact you for years to come. If you can determine where you want to be when COVID-19 is over, you can successfully direct your job search. Although companies might not be hiring in 2020, they will keep you in mind if you continue to build relationships and share your ideas with them until they do start hiring.
At InsureYouKnow.org, you can store your current and previous resumes, legal and contractual agreements pertaining to your employment, and work-related health insurance policies, especially if conditions and coverages have changed due to the COVID-19 pandemic.
The word hurricane comes from the Taino Native American word, hurucane, meaning evil spirit of the wind. An Atlantic hurricane or tropical storm is a tropical cyclone that forms in the Atlantic Ocean. In the Pacific Ocean, hurricanes are generally known as typhoons and in the Indian Ocean they are called tropical cyclones.
The National Oceanic and Atmospheric Administration (NOAA) warns that as many as 25 named storms—twice the average number—will occur in 2020 to present an extremely active season that began on June 1 and ends November 30 with more frequent, longer, and stronger storms in the Northern Atlantic Ocean.
Storms get names once they have sustained wind speeds of at least 74 miles per hour. NOAA anticipates that 2020 could deliver a total of 19 to 25 named storms. That would put this year in league with 2005, which experienced more than two dozen named storms including Hurricanes Katrina and Wilma. Each year, only 21 storm names are designated because the letters Q, U, X, Y, and Z are not used. The first hurricane of the year is given a name beginning with the letter “A.” The list of names selected for 2020 storms starts with “Arthur” and ends with “Wilfred.”
If all the allotted names are used, the National Hurricane Center will use the Greek alphabet for additional names. This has only happened one time on record—in 2005 when the Atlantic Ocean experienced 28 named storms.
“We are now entering the peak months of the Atlantic hurricane season, August through October,” National Weather Service Director Louis Uccellini said in a recent news teleconference. “Given the activity we have seen so far this season, coupled with the ongoing challenges that communities face in light of COVID-19, now is the time to organize your family plan and make necessary preparations.”
FEMA’s (Federal Emergency Management Agency) Ready website provides checklists to help you put a plan together, consider specific needs in your household, download and fill out a family emergency plan, and to practice your plan with your family/household.
In planning for hurricanes and in dealing with outcomes of storm damage, you’ll also need to review your insurance coverage to make sure it matches your needs. Hurricanes provide little advance notice of their arrival, and as landfall approaches, insurance companies may temporarily suspend new coverage and coverage changes.
An insurance representative can review your policy, explain limits and deductibles, and help you identify coverage gaps. “You should ask your representative for tips on hurricane risk mitigation that may lower your insurance premiums and better protect your property,” says Tom Woods, assistant vice president of property underwriting for USAA.
Insurance Information Institute (III) website shares precautionary measures you can take to protect your home as well as your business from destructive storms. Don’t wait until a hurricane watch is issued, because it may already be too late to take certain recommended precautions, including reviewing your insurance policies.
III also offers a hurricane season insurance checklist that can help you understand your coverage and whether it’s adequate to repair or rebuild your home and to replace your belongings. Keep in mind that your homeowners insurance covers the cost of temporary repairs for hurricane damage, as well as reasonable additional living expenses over and above your normal living expenses if you have to relocate.
However, your homeowners policy doesn’t cover flood damage, so you may want to consider looking into flood insurance. If you live by the coast, you may also need a separate policy for protection against wind and wind-blown water damage. Check for wind-damage exclusions, and if wind damage isn’t covered by your standard policy, buy one from your state’s insurance program. In hurricane-prone states, for instance Louisiana, Texas, and Florida, some standard home insurance policies won’t pay for windstorm damage. So, if you want coverage, you need to buy an extra windstorm insurance policy in addition to your normal home insurance policy. In this case all wind damage would fall under this policy instead of your traditional homeowners policy.
After reviewing and revising insurance coverage with your insurance professional for your home, car, and business, store your updated insurance policies at InsureYourKnow.org where they will be readily available if a hurricane comes calling and wreaks havoc on printed versions of policies kept in your home or office.
The 2020 Census counts every person living in the United States and five U.S. territories (Puerto Rico, American Samoa, the Commonwealth of the Northern Mariana Islands, Guam, and the U.S. Virgin Islands.) The count, mandated by the U.S. Constitution in Article 1, Section 2, is conducted by the U.S. Census Bureau, a nonpartisan government agency, every 10 years. The 2020 Census will mark the 24th time that the country has counted its population since 1790.
In March 2020, each home was sent an invitation to respond to a short questionnaire online, by phone, or by mail. If you have already replied by answering the survey about yourself and everyone who was living with you on April 1, 2020, the Census Bureau is grateful. If you haven’t yet completed the questionnaire, your answers are still needed to add with information from other homes to produce statistics, which never identify your home or any person in your home.
Census invitations included an insert in 12 non-English languages, inviting people to respond online or by phone in their language. These languages, ranked by the number of limited-English-speaking households according to American Community Survey data collected from 2012 to 2016, include Spanish, Chinese, Vietnamese, Korean, Russian, Arabic, Tagalog, Polish, French, Haitian Creole, Portuguese, and Japanese. About 13 million households received invitations in both English and Spanish.
The Census Bureau also is providing video guides narrated in 59 non-English languages (including American Sign Language) to help people respond online and print guides written in the 59 non-English languages to help people complete the English paper questionnaire. Guides are also available in Braille and large print English.
You’ve Got Questions? The U.S. Census Bureau has Answers
Why is the Census Conducted?
The census provides complete, accurate, and critical data that lawmakers, business owners, teachers, and many others use to provide daily services, products, and support for you and your community. Every year, billions of dollars in federal funding go to more than 100 programs, including hospitals, fire departments, schools, roads, and other resources, such as Medicaid, Head Start, block grants for community mental health services, and the Supplemental Nutrition Assistance Program, also known as SNAP, based on census data.
The results of the census also determine the number of seats each state will have in the U.S. House of Representatives, and they are used to adjust or redraw congressional and state legislative districts, based on where populations have increased or decreased.
State legislatures or independent bipartisan commissions are responsible for redrawing congressional districts. The U.S. Census Bureau provides states with population counts for this purpose.
Over the next decade, lawmakers, business owners, and many others will use 2020 Census data to make critical decisions. The results will show where communities need new schools, new clinics, new roads, and more services for families, older adults, and children.
Is My Personal Information Kept Confidential?
Yes, the Census Bureau is bound by federal law to protect your information, and your responses are used only for statistical purposes. The Census Bureau does not disclose any personal information.
Who is Required to Respond?
Everyone living in the United States and its five territories is required by law to be counted in the 2020 Census.
What Questions are on the Census?
Go to https://2020census.gov/en/about-questions.html for the list of questions and an explanation about each question posed. Please note, there is no citizenship question on the 2020 Census.
How do I Determine Place of Residence?
You should count yourself at the place where you are living and sleeping most of the time as of April 1, 2020 (Census Day). For some, this is straightforward. But others—including college students, service members, and people in health care facilities—may have questions about where they should count themselves or how they should respond. Other circumstances can cause confusion as well, such as moving, having multiple residences, having no permanent address, living in a shelter, or living at a hotel or RV park. You can find answers to these questions at Official Residence Criteria for the 2020 Census.
Whom Should I Count as Individuals Living with Me?
If you are filling out the census for your home, you should count everyone who was living there as of April 1, 2020. This includes anyone—related or unrelated to you—who lives and sleeps at your home most of the time.
Count roommates, young children, newborns, and anyone who is renting a space in your home. If someone was staying in your home on April 1 and had no usual home elsewhere, you should count them in your response to the 2020 Census.
If someone such as a college student is just living with you temporarily due to the COVID-19 situation, they should be counted where they ordinarily would have been living on April 1, 2020.
What can Happen if I Don’t Respond to the Census?
By census law, refusal to answer all or part of the census carries a $100 fine. The penalty goes up to $500 for giving false answers. In 1976, Congress eliminated both the possibility of a 60-day prison sentence for noncompliance and a one-year prison term for false answers.
If you do not complete your form online, by phone, or by mail, the U.S. Census Bureau will follow up in person to collect your response.
Census takers started following up with nonresponding households on July 16. In subsequent weeks, the Census Bureau began opening additional census offices for enumeration activities. The majority of census offices across the country will begin follow-up work on August 11. All offices plan to conclude work by October 31.
In consideration of the COVID-19 pandemic, census takers will follow local public health guidelines when they visit households in person. They will wear face masks and will practice social distancing and other health and safety protocols when they work in neighborhoods. Learn more at Census Takers in Your Neighborhood.
Census takers are hired from your area, and their goal is to help you and everyone in your home be counted in the 2020 Census. If the census taker who visits your home does not speak your language, you may request a return visit from a census taker who does speak your language.
If you respond online or by phone today, a census taker is less likely to have to visit your home to collect your response.
Go to https://my2020census.gov to complete your questionnaire if you haven’t done so already.
Complying with the call for you to respond to the 2020 Census may prompt you to reflect on your forefathers who may have contributed to the previous 23 times the census has been conducted since 1790. Or, if you are a first generation American, you may realize the importance of being part of a remarkable project that will identify national population changes in the past 10 years. At InsureYouKnow.org, you can file copies of family records, including birth certificates, passports, drivers’ licenses, and Social Security cards, as well as historical and current records for mortgage and insurance documentation relating to your place of residence.
From Home to Office in Record Time
In March 2020, out of concern about the coronavirus pandemic, many U.S. workers relocated from office buildings, campuses, and other locations to home offices—or more likely, to living room sofas, dining room tables, kitchen counters, and corner nooks in bedrooms. According to Gallup Panel data, nearly seven in 10 employees are still working remotely all or part of the time.
You may have hit the ground running to set up your home office months ago by securing the basics—a computer, a desk or table, a chair, WiFi or direct Internet connection, ability to access work applications, and sufficient lighting to work on your computer and to participate in live online videoconferences. If you are faced with continuing to work out of your home office for an indefinite period of time, taking time now to do an inventory of your home office environment may help you be more productive, comfortable, and focused.
Be More Productive
Make a realistic schedule so you can complete your top priorities during your peak times of productivity. Try to adhere to your regular work schedule by starting and ending your work day about the same time you would if you were physically at work, take your lunch and snack breaks at the same time each day, and consistently schedule and attend online meetings with your colleagues.
If you’ve experienced intermittent slowdowns or weak or spotty WiFi coverage in certain parts of your home, this could be a good time to upgrade. A new router could be especially helpful to handle the increased demands that come with multiple users in one household. Consumer Reports lets you know “How to Get a Stronger WiFi Signal” and offers tips for WiFi security.
If you are employed by a company with IT staff, consult with them to review your computer, printer, and WiFi setup as well as antivirus and anti-malware software to reach your maximum productivity.
You may have used videoconferencing apps to meet with clients and coworkers as well as family and friends before you started working at home during the pandemic. But, you may not have thought a lot about options, backgrounds, and presentation tips that can enhance your online participation that are provided in a Consumer Reports list of free videoconferencing apps.
If you are still part of a work team, let your colleagues know the best way to connect with you (for example, cell phone, email, text message, FaceTime, or videoconference) and the best times to reach you.
Update your team frequently about the progress of shared work, project deadlines, and other important tasks. Consider using free document creation apps like Google Docs or Microsoft’s Office.com and project management software to keep everyone up-to-date.
Take breaks throughout the day to increase your productivity and improve your circulation. Get up and walk to a different room in the house, get a glass of water, or do a few stretches. Set a reminder on your phone or, if you have a fitness watch, set up alerts to encourage you to move more.
Be More Comfortable
A chair that offers adequate back support with adjustable heights to allow you to change the positioning of your legs during the day and a footstool that can help prevent leg fatigue is the ideal choice. But, in lieu of investing in new furniture, make sure your task chair allows your feet to rest on the floor while your pelvis and lower back fit snugly against the back of the chair. If your chair isn’t adjustable, sitting on a cushion can aid you in being comfortable. Your task chair should support you while avoiding undue pressure on your spine. An ill-fitting chair that encourages you to slouch can result in an aching back and other health repercussions.
In evaluating your chair in relation to your desk or table, you want your arms to be bent around 90 degrees or up to 115 degrees when you place them on your keyboard, with your wrists in a neutral position and not resting on the keyboard. Relax your shoulders, with your elbows near your sides or on the armrests.
You may want to consider using a standing desk either all or part of your workday. Ergonomics experts approve of this option because it encourages users to change positions frequently from sitting to standing throughout the day. Consumer Reports provides a guide, “How to Choose a Standing Desk” to help you find options and price points to meet your home office needs.
Ensure that your workspace has enough electrical outlets to accommodate your computer, printer, and phone chargers to keep your workflow uninterrupted and fully charged.
Pay attention to the availability of natural light sources when setting up your home office and supplement them with artificial light if needed. You’ll feel the benefits of keeping your workspace bright and airy. Since you’re spending the majority of the day sitting or standing at your desk or table, having access to natural light can have an impact on your overall work performance, mood, and wellness. Harvard Business Review reported on a connection between natural light and employee well-being.
Instead of holding your cell phone between your shoulder and ear which may cause neck, back, and shoulder pain if you type while you talk on the phone, use earphones, earbuds, or a headset, or put your phone on speaker mode.
By using an ergonomic keyboard, you can place your wrists and hands in a healthier, more natural position than conventional keyboards to minimize discomfort and injuries like tendonitis. PC Magazine reviewed “The Best Ergonomic Keyboards for 2020” to use to avoid repetitive stress injuries.
Arrange your keyboard so it is centered to your body and if you use a mouse make sure it is within a natural reach to reduce muscle load and prevent strain.
When positioning your computer screen, place it at eye level so you are looking slightly down toward the center of the screen to prevent neck strain, dry eyes, headaches, and blurred vision. Give your eyes regular breaks from the monitor and force yourself to blink frequently when staring at the screen for extended periods of time. Don’t sit too close to the screen—your eyes should be an arm’s length away from the computer. Monitor arms can be used to align your screen but you also can use boxes or books to position your monitor.
View a YouTube video on office ergonomics for additional tips on setting up a comfortable at-home workstation.
Be More Focused
A quality pair of headphones is a simple way to help you focus on your tasks by reducing the noise you hear around you. Consumer Reports reviewed “Best Noise-Canceling Headphones of 2020” that can help you choose a pair that’s right for you. Search YouTube.com for “music for office work” and listen to background music conducive to working calmly in a distracting environment.
If possible, find a dedicated space with a door where you can work free from family activities and unnecessary distractions when you need to focus on deadlines, communication with clients or colleagues, and videoconferences. If you don’t have an option for a space with a door, try to set up an area off-limits to others for a few hours a day or use a foldable screen to indicate your need to minimize interruptions.
Establish a consistent schedule by starting and ending your day at the same time every workday to help you reinforce the separation between ‘work’ and ‘home.’ Establishing a routine also will help you manage your time so you are not working overtime or getting distracted with housekeeping chores during worktime.
Keep your shared calendar updated to ensure that others have accurate information about your availability.
In becoming more productive, comfortable, and focused, while you use part of your home for business, you may be able to deduct some of the expenses incurred when you file your income taxes. The IRS website says the home office deduction is available for both homeowners and renters and applies to all types of homes. Generally, deductions for a home office are based on the percentage of your home devoted to business use. So, if you use a whole room or part of a room for conducting your business, you need to figure out the percentage of your home devoted to your business activities.
At InsureYouKnow.org, you can keep track of your home office expenses, including how you use a percentage of your home to accommodate your business, that you’ll need in 2021 when you file your 2020 income taxes.
Created as a distress signal in the 1920s, the term mayday is utilized by ships and aircraft to communicate emergency or life-threatening situations. When officer, Frederick Stanley Mockford thought of the word, the pandemic crisis of 1918 and the end of the First World War was not even a decade past.
Fast-forwarding 100 years to May 2020 – the coronavirus pandemic is very much part of everyone’s life and lifestyle. In a matter of weeks, the way the world looked at itself was turned around, and some questions come to mind….
Is our planet in a state of Mayday?
Depends on who and what you are referring to. The environment is thriving, the oceans are cleaner, and the animals are not scared and are coming out into many city dwellings. The seals are basking on the beaches where humans were. The water, and air is cleaner as the pollution subsides. The planet called Mayday, and now the humans are. However the story is not the same for mankind. Humans are dying – living in fear of contracting the virus and staying indoors and isolated. The economy is in a state of flux, no one wants oil – a once huge commodity. The luxuries of stock trading and vacations are now replaced with the luxuries of accessing food, and human touch.
Is our country in a state of Mayday?
The way the world worked has changed. Our fast paced lives have in some ways slowed down as transportation needs have reduced, and the working world has shifted focus. Going into work, going to school, errands, and shopping have been restricted by both private and public entities. Federal and local governments are rapidly reviewing information and making life-changing decisions about access to healthcare, food, and the outdoors. In some ways the Mayday call has already been sent from the public sector to the private. Our country has forced its community to ramp up the use of technology for communication. The internet is now a necessity for video-meetings that are replacing work conferences, family birthday gatherings and learning. Remote payments instead of cash exchange for services. And the state of the unknown has created an undercurrent of anxiety.
Do you need to signal Mayday?
Checking in with yourself about your needs is paramount. Where you are at emotionally, physically, socially, financially impacts your relations and ability to function with the new day to day. There is little control. Access to food, loved ones, work and our old lifestyle can bring up feelings of anger, resentment, and fear. Reaching out for support or connecting with your community could stop your need for the Mayday call.
InsureYouKnow.org – an online information depository allows those that receive your Mayday call, this month, this year, this decade to access documents, and files remotely relating to your affairs. Whether photographs to relive memories, financial information to cover debt, or your resume for a possible job opportunity. There are various levels of access to allow your family members, caregivers or business associates insight into your documents – as needed. There is even a trusty reminder feature to help you remember that it’s time to update.
We all have or should have In-case-of-Emergency documentation, but did we ever think about in case of pandemic? The current situation can make a difference in the way that our emergency plans work. There are many lists and suggestions of “in case of emergency” documents that everyone should have together, but in our current COVID-19 pandemic situation, there may be areas that need to be reviewed or even created.
With the unknown of when the pandemic will end or if we are in the peak of the homebound regulations, the question of access has become a source of anxiety. Below are three areas of access to consider when we are in pandemic.
Access to Resources
Some of our resources are easier to access than others. Groceries are the ones that we are hearing about on the news – we can’t get the basics – milk, eggs, toilet paper, hand sanitizer. There are grocery delivery services, volunteers in the neighborhoods and local nonprofits that are currently marketing their services – facebook, nextdoor and even conversing with neighbors or friends can uncover options.
Our safe deposit box. The place that we have been keeping our trusty resources are in some ways inaccessible. Our financial institutions may still be open but are you able to get to them safely given the WHO recommendations. Many locations are having special hours for seniors and high-risk patrons.
Many people in the workforce have experienced changes in the work environment. From job insecurity, furloughing, limited hours – to work from home, working in a new location or role. Financial resources may be reduced, and not being able to use your computer, access your desk drawers, use the same extensions to reach people can be tough.
Action: Have you been able to reorient yourself to the new resource allocation? Is there something that is missing that you wish you could have to make your life just a little bit easier?
Access to Care
Our healthcare routine is currently disrupted. Getting to the doctor’s appointments, picking up prescriptions, and going to therapy or residential care facilities is not always possible.
Many providers have been communicating how you can access them if there is a need – often by telemedicine routes. Local or satellite offices are consolidating care in a central location and many doctors are not available every day.
Action: Is your doctor only conducting telehealth visits? If so – the telehealth visits often need technology set up on computers or phones, and walking through the steps now instead of during the appointment can be advantageous.
Access to Loved Ones
Technology is our friend. We may not live with our top-ten people, or even have another person in our home, but phone and video chat have given us the opportunity to access our loved-ones lives in their homes.
If you do need to go to the hospital, a loved one may not permitted to accompany you into the triage area. Your next of kin or preferred person may be high risk and it may not be safe for their health, to come with you. If you need to stay in the hospital, whether for a birth of a child, broken bone, or in the ICU – your loved ones will not be able to stay or visit. These are challenges that are new to all of us. Health care teams are working to help you connect to your loved ones through ipads and phone conversations.
Action – Have a list of people with their phone numbers and consider who would be able to come with you to the doctor office or hospital that is not high-risk.
As you start putting your new “pandemic” documents and plan together consider using InsureYouKnow.org – an online information-safe, as a place to store them. This product gives you the ability to access documents, and files remotely – or from the comforts of your own home. There are various levels of access to allow your family members, caregivers or business associates insight into your documents – as needed. There is even a trusty reminder feature to help you remember that it’s time to update.
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.