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Atricle Dump - Preparing Financially for Disaster
The carwash business is all about customer service and without good customer service you can expect that no customers will ever come back again. If you do a lousy job on someone's car then obviously they are not going to be in any hurry to bring their car back to you next time and pay between $8 for a basic wash up to $20 for the executive deluxe special.Without good customer service, fewer customers will go for add-ons and extras such as an oil change or perhaps an automotive detail. How do you give good customer service at the carwash? Well, you have a Greeter who personally talks with each customer who comes in and finds out exactly what they want or need and answers all the questions if they have any
Why use an online backup service? Easy access is the big reason. Individuals can access their files from anywhere in the world. Documents can also be shared (on a password protected basis) with advisers in different parts of the country.,In addition, it is easy to update such information so individuals do not have to worry about which version is the most recent or most up-to-date.
Individuals need to back up other aspects of their financial life. For instance, many individuals select an executor, trustee and guardian who live in the same state or in close proximity. However, a disaster could affect executors, trustees and guardians as well. That's why experts always recommend that individuals have contingency plans (individuals from other states or parts of the country) for those responsibilities sh
The Four Big Mistakes Businesses Are Making On The InternetWhen the Dot Com Bust occurred, people like Warren Buffet, Chairman of Berkshire-Hathaway came off looking really smart. “I never invest in anything I don’t understand,” was the explanation Buffet gave to a snickering investment world. That investment world which lost billions on the Dot Com feeding frenzy found out the old man knew what he was talking about after all. Now, he’s taking his billions and giving them to Bill and Melinda Gates for charitable impact.The rest of us have to deal with the realities of not having billions of dollars.That reality is rooted in what Steve Martin noted in his 1978 movie, The Jerk, “Ahhhh…. it’s a
But what does that entail?
What is the near equivalent of boarding up your windows for your
personal and financial information? In short, it simply means that
you need to backup, document and record all of your personal and
financial information to go along with those records (photos,
videos, or otherwise) you keep for insurance claims substantiation
purposes. These records could be photocopies, electronic images,
computer files burned onto a CD-ROM or an online backup service.
Though not completely exhaustive, a person will need to make copies of their personal and financial documents, including their birth, death and marriage certificates; social security cards; passports; credit card numbers; medical records; identification, including your driver's license; recent bank and brokerage accounts, house deeds, mortgage and home equity notes; car title; insurance policies and agent contact numbers; credit and debit cards; tax returns for the past three years; the location of wills, trusts and powers of attorney; names and contact numbers for executors, trustees and guardians; a list of financial advisers and their contact information; and a list of user IDs and passwords for online accounts.
Individuals also need to complete and create a copy of their household inventory. An individual could, for instance, take and store photographs or a video of personal belongings, jewelry and furniture and the like. Regardless of the method used to document personal belongings, individuals need to write a brief description of each item, including the cost, age, manufacturer, and model and serial number for each item. Copies of receipts or appraisals are necessary for any expensive items, including jewelry, art work and collectibles.
Why does someone need to copy all this information? In essence, heirs, professional advisers and individuals doing the disaster preparation need this information to rebuild a financial life in the wake of a disaster.
In some cases, individuals might consider storing originals of such information in one place, such as a safe deposit box or a fireproof safe in your home. In many cases, however, experts recommend that people planning for disaster mail a copy of their records to a relative, friend, or professional adviser in another part of the country.
The reason? Disasters, such as hurricanes or tornadoes, often affect whole regions or parts of the country, crippling communication systems and the like. If copies of your important documents are in another part of the country, you'll be able to rebuild your financial life much more quickly than if you had to wait for cell phone towers to be repaired or electricity to be restored, or the safe in your home to be found. It is also important to tell the person to whom such information is being sent what to do if disaster strikes and original documents are destroyed. And it is equally important that he copies be stored in a safe place.
Still others suggest using a belt-and-suspender approach to backing up personal and financial data. For instance, some say it is a good idea not only to make photocopies of important financial and personal information, but also to use what the digital world has to offer these days. For instance, individuals should consider e-mailing attachments that contain personal or financial information to themselves or trusted advisers, family or friends. In addition, some even suggest using secure online backup services that store personal information for a fee. Two firms that offer such services include iBackup (costs $100 to $150 per year to store 4GB) or Xdrive. Some financial planners and law firms now offer similar services for important documents, including family photos.
Why use an online backup service? Easy access is the big reason. Individuals can access their files from anywhere in the world. Documents can also be shared (on a password protected basis) with advisers in different parts of the country.,In addition, it is easy to update such information so individuals do not have to worry about which version is the most recent or most up-to-date.
Individuals need to back up other aspects of their financial life. For instance, many individuals select an executor, trustee and guardian who live in the same state or in close proximity. However, a disaster could affect executors, trustees and guardians as well. That's why experts always recommend that individuals have contingency plans (individuals from other states or parts of the country) for those responsibilities sho
The Questions You Should Be Asking … The Answers You Should Be ReceivingWhen interviewing webmasters, don’t let price be your deciding factor. Among webmasters there is a split between those who are skilled in the fine art of Search Engine Optimization (SEO), and those who are not. To obtain high rankings for your site on the major search engines, multiple SEO Marketing tactics must be included within the design of your website. As an online business owner you should be concerned with the depth of SEO Marketing knowledge possessed by the person you hire to design and build your website. Do you know the right questions to ask a potential webmaster to ensure that you are doing business with the right
Individuals also need to complete and create a copy of their household inventory. An individual could, for instance, take and store photographs or a video of personal belongings, jewelry and furniture and the like. Regardless of the method used to document personal belongings, individuals need to write a brief description of each item, including the cost, age, manufacturer, and model and serial number for each item. Copies of receipts or appraisals are necessary for any expensive items, including jewelry, art work and collectibles.
Why does someone need to copy all this information? In essence, heirs, professional advisers and individuals doing the disaster preparation need this information to rebuild a financial life in the wake of a disaster.
In some cases, individuals might consider storing originals of such information in one place, such as a safe deposit box or a fireproof safe in your home. In many cases, however, experts recommend that people planning for disaster mail a copy of their records to a relative, friend, or professional adviser in another part of the country.
The reason? Disasters, such as hurricanes or tornadoes, often affect whole regions or parts of the country, crippling communication systems and the like. If copies of your important documents are in another part of the country, you'll be able to rebuild your financial life much more quickly than if you had to wait for cell phone towers to be repaired or electricity to be restored, or the safe in your home to be found. It is also important to tell the person to whom such information is being sent what to do if disaster strikes and original documents are destroyed. And it is equally important that he copies be stored in a safe place.
Still others suggest using a belt-and-suspender approach to backing up personal and financial data. For instance, some say it is a good idea not only to make photocopies of important financial and personal information, but also to use what the digital world has to offer these days. For instance, individuals should consider e-mailing attachments that contain personal or financial information to themselves or trusted advisers, family or friends. In addition, some even suggest using secure online backup services that store personal information for a fee. Two firms that offer such services include iBackup (costs $100 to $150 per year to store 4GB) or Xdrive. Some financial planners and law firms now offer similar services for important documents, including family photos.
Why use an online backup service? Easy access is the big reason. Individuals can access their files from anywhere in the world. Documents can also be shared (on a password protected basis) with advisers in different parts of the country.,In addition, it is easy to update such information so individuals do not have to worry about which version is the most recent or most up-to-date.
Individuals need to back up other aspects of their financial life. For instance, many individuals select an executor, trustee and guardian who live in the same state or in close proximity. However, a disaster could affect executors, trustees and guardians as well. That's why experts always recommend that individuals have contingency plans (individuals from other states or parts of the country) for those responsibilities sh
Paint the picture for your audience. The more you can create the setting-the sights, the sounds, the smells, the feelings-the more your audience will be drawn in. Remember, you want the experience to become their experience-something they can readily identify with. As a persuader, you've got to take them there. As you prepare yourself, keep in mind all the ways in which you can really produce a mental and emotional imprint. You want your prospects to see your story in their minds' eyes, playing out like a movie. You want them to really take the story home, to have a place in their hearts for years to come. When you reach their hearts and involve their minds, you will be persuasive.isals are necessary for any expensive items, including jewelry, art work and collectibles.
Why does someone need to copy all this information? In essence, heirs, professional advisers and individuals doing the disaster preparation need this information to rebuild a financial life in the wake of a disaster.
In some cases, individuals might consider storing originals of such information in one place, such as a safe deposit box or a fireproof safe in your home. In many cases, however, experts recommend that people planning for disaster mail a copy of their records to a relative, friend, or professional adviser in another part of the country.
The reason? Disasters, such as hurricanes or tornadoes, often affect whole regions or parts of the country, crippling communication systems and the like. If copies of your important documents are in another part of the country, you'll be able to rebuild your financial life much more quickly than if you had to wait for cell phone towers to be repaired or electricity to be restored, or the safe in your home to be found. It is also important to tell the person to whom such information is being sent what to do if disaster strikes and original documents are destroyed. And it is equally important that he copies be stored in a safe place.
Still others suggest using a belt-and-suspender approach to backing up personal and financial data. For instance, some say it is a good idea not only to make photocopies of important financial and personal information, but also to use what the digital world has to offer these days. For instance, individuals should consider e-mailing attachments that contain personal or financial information to themselves or trusted advisers, family or friends. In addition, some even suggest using secure online backup services that store personal information for a fee. Two firms that offer such services include iBackup (costs $100 to $150 per year to store 4GB) or Xdrive. Some financial planners and law firms now offer similar services for important documents, including family photos.
Why use an online backup service? Easy access is the big reason. Individuals can access their files from anywhere in the world. Documents can also be shared (on a password protected basis) with advisers in different parts of the country.,In addition, it is easy to update such information so individuals do not have to worry about which version is the most recent or most up-to-date.
Individuals need to back up other aspects of their financial life. For instance, many individuals select an executor, trustee and guardian who live in the same state or in close proximity. However, a disaster could affect executors, trustees and guardians as well. That's why experts always recommend that individuals have contingency plans (individuals from other states or parts of the country) for those responsibilities sh
Metric fasteners are fasteners that are manufactured and labeled according to a worldwide standard of measurement. That worldwide standard is set by the International Organization for Standardization (ISO), which is based in Geneva, Switzerland. That worldwide standard is based on the metric system.There are many ways in which fasteners can be measured and manufactured for size. It is important that there be some kind of standard for screws, with the countless number of products and equipment that rely on screws to stay fast together. The United Kingdom, United States, and Canada invented as faster measurement system in 1949 called the Unified Thread Standard. They hoped it would become the worldwide stand
Still others suggest using a belt-and-suspender approach to backing up personal and financial data. For instance, some say it is a good idea not only to make photocopies of important financial and personal information, but also to use what the digital world has to offer these days. For instance, individuals should consider e-mailing attachments that contain personal or financial information to themselves or trusted advisers, family or friends. In addition, some even suggest using secure online backup services that store personal information for a fee. Two firms that offer such services include iBackup (costs $100 to $150 per year to store 4GB) or Xdrive. Some financial planners and law firms now offer similar services for important documents, including family photos.
Why use an online backup service? Easy access is the big reason. Individuals can access their files from anywhere in the world. Documents can also be shared (on a password protected basis) with advisers in different parts of the country.,In addition, it is easy to update such information so individuals do not have to worry about which version is the most recent or most up-to-date.
Individuals need to back up other aspects of their financial life. For instance, many individuals select an executor, trustee and guardian who live in the same state or in close proximity. However, a disaster could affect executors, trustees and guardians as well. That's why experts always recommend that individuals have contingency plans (individuals from other states or parts of the country) for those responsibilities sh
With the ever increasing competition in the eBay eBook market, sellers are forced to find new, original eBooks with very little competition.Selling eBooks with no competition is the most ideal scenario you could ever experience as an eBay eBooks seller. Why? Because you set the price!If there is more than one person selling the same item then the price is constantly being driven down. The original seller lists it for $20; the second seller lists it for $18. Is the original seller likely to get any sales at the price of $20? No, of course not. eBay buyers are constantly looking for bargains and they aren’t going to pay an inflated fee if they know they can get it elsewhere for cheaper. This will forc
Why use an online backup service? Easy access is the big reason. Individuals can access their files from anywhere in the world. Documents can also be shared (on a password protected basis) with advisers in different parts of the country.,In addition, it is easy to update such information so individuals do not have to worry about which version is the most recent or most up-to-date.
Individuals need to back up other aspects of their financial life. For instance, many individuals select an executor, trustee and guardian who live in the same state or in close proximity. However, a disaster could affect executors, trustees and guardians as well. That's why experts always recommend that individuals have contingency plans (individuals from other states or parts of the country) for those responsibilities should the primary named individual be incapable or unwilling to serve in that capacity, if asked.
Likewise, selection of health
care and financial decision designee's might require the same considerations. As with executors and the like, experts often recommend naming friends or family members who live in other parts of the country as successors if the original people chosen are affected by a disaster.
August
2005 This column is produced by the Financial Planning
Association, the membership organization for the financial planning community, and is provided by Bold Financial Planning, LLC, a Loudoun County Virginia member of the FPA.
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