How To Protect Your Personal Finances During Disasters

Wherever you live, there is always the likelihood of earthquakes, hurricanes or terrorist attacks. The media publish materials on how to protect themselves and their families in such cases, but it should take care of the protection and personal finance.

Firstly, it is necessary to present different scenarios and what steps you need to take these situations. For example, imagine what you would do if you were a few minutes warning that your house will be destroyed during the disaster. Or less extreme scenario - the house will remain intact, but you will in a few days will be forced to live without electricity, telephone and transport. Imagine that you have survived in such circumstances and count in your mind, what things are and what information you may need.

The usual safety measure - a small suitcase with essentials that you can take with you in case of evacuation. This bag is put first aid kit, water bottle, a flashlight, a battery-powered radio, a fabric mask and so forth.

But most people do not think about what to do to protect such personal finance situations. Here is a sample list of what you need to bring along in case of emergency:

• Wallet, which must be cash, driver's license, credit cards and health insurance. Keep all the necessary papers to you in an accessible place, so that they can quickly bring a if necessary. Do not forget your passport;
• Cash. Make untouchable money supply. You'll need it, because the money for daily expenses are spent quickly, and run to the ATM in extreme conditions, may not be able to; In addition, the device may fail in such circumstances;
• Cell phone, smartphone, various gadgets like iPad. Certainly you need to take and charger, do not interfere, and a solar-powered charger. All of these devices is better to put on recharge in the evening, so that they are fully charged in the morning;
• A list of numbers of your insurance policies (property, a car, a life insurance policy and so on.). You can write them not only on paper but also add to the phone memory;
• A list of numbers of your bank accounts (pension accounts, deposits) and credit - mortgages, car loans . Be careful with passwords on your online accounts: this information should not get to the strangers. If you store the data in the phone, zaparolte them;
• The key to the bank deposit box, if renting such.

How To Protect Your Personal Finances During Disasters

Here are a few steps that should be taken:

• Keep documents (wills, copies of contracts, insurance policies, and so on.) In a safe place, preferably in a fireproof and waterproof box or home safe;
• Examine your insurance documents. Find out what will be the size of insurance payments and optimize the terms of the agreement, if the payment will seem inadequate;
• Keep in mind that at the time of the disaster, you may not be a source of income - especially for freelancers. So you definitely need money for a rainy day;
• Not spending all the credit limit on credit cards - it can come in handy in case of emergency;
• If you have a car, did not hurt to have a spare can of gasoline - perhaps in the case of unforeseen circumstances, you can not fill the car.

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