If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that
September is here, do you know what that means? No, Im not talking about back-to-school shopping. No, Im not talking about taking the last vacation of the summer. Im talking about hurricanes! According to the AOML, August, September and October are the peak months for hurricane activity on the Atlantic. The AOML has predicted that 2008 will be an above average year. But even if you choose to ignore predictions, remember that a single hurricane is all it takes to endanger your family or rob you of your investments. Are you prepared? Think you dont have to worry about hurricanes? Read and find out! Who is affected by hurricanes? You dont have to live in Florida or New Orleans to be affected by hurricanes. Did you know that in 1938 there was a hurricane that struck in the Northeast that left 600 dead? And, we dont have to have a direct hit by a hurricane to suffer tremendous damage. The storm systems caused by hurricanes often cause power outages, flooding and wind damage for inland states. Dont assume you wont be affected. These tips will prepare you for other disasters as well, so read on. Do you have proper insurance coverage? When was the last time you discussed your policies or updated them with your insurance company/agent? It could be well worth your time to do this in the next couple of weeks. While youre there, you should also ask about umbrella coverage if you dont have it already. As the name implies, this is a general purpose policy which provides additional protection above and beyond your existing policies. It is a relatively low cost insurance that can make a huge difference, if you have to file a claim (see Tell Me, TMA below for more information). Do you have a well thought-out evacuation plan? You cant use a general plan created by someone else. Personalize yours to fit your needs. Here are some things to consider :
- Exit Strategy: Make sure everyone knows the quickest way to get out of the house in case of fire or other natural disaster. Seconds really do count!
- Meeting Place: Have an agreed-upon meeting place. The quicker you can do a headcount, the quicker you can move to locate anyone who didnt make it out. Have 2 meeting place locations one right outside your home (sidewalk or driveway) and the other off your property (friends house, library, or school)
- Contact Person: Specify one person to be the caller. If your family gets separated, and cannot get to one of those locations, have one person be the one communicator between the groups to save confusion and missed calls. Make sure everyone knows the contact persons phone number!
- Have a full tank of gas gas stations cant pump gas if the power is out.
- Secure your outdoor items so that they will not become airborne and injure you or someone else.
- Stock your disaster supply kit. In a serious storm, this could be well worth the effort. Include drinking water (at least one gallon of drinking water per person per day), food (canned, dry and other non-perishables which dont require cooking, water or special preparation and dont forget a manual can opener), prescriptions and medications (three day supply recommended), first aid kit, flashlights, battery-powered lanterns, and AM/FM radio plus extra batteries.
- Prepare a pet supplies bag. Dont forget your petsl theyll need food, water, medications, and leashes.