Tuesday, April 16, 2019

Financial Preparedness for Disasters & Emergencies. April 2019

Our communities (Black, Latino, and underserved) are in a constant state of emergency 24/7.

How ever possible take the time and consider financial disaster planning.  For when the time arises.

The hardest part may be keeping emergency cash handy.

BEMA International

Portland, Oregon.
Portland Bureau of Emergency Management.
Financial Preparedness.

Financial Preparedness

An important part of building a kit is to include copies of important documents that can help you be prepared financially for emergency situations. When disaster strikes, having your financial documents in order will help sustain your family during the emergency and streamline the recovery process. You may not be able to do everything suggested below - and that's okay. Do what you can. Taking even limited action now will go a long way toward preparing you financially before a disaster strikes.

Evacuation Box
Buy a lockable, durable box to grab in the event of an emergency. You don't have to wait until you have a special box - even a cardboard box will do to get started.  Put important documents in sealed, waterproof plastic bags.  Store the box in your home where you can easily get to it.  Keep this box with you if you are away from home for an extended period, but don't leave it in an unattended vehicle.

  • A small amount of cash in small denominations and/or traveler's checks.
  • Copies of driver's licenses and social security cards.
  • A list of emergency contacts that includes doctors, financial advisors, reputable repair contractors and family members who live outside your area.
  • Copies of important prescriptions for medicines and eyeglasses, and copies of children's immunization records.
  • Copies of health, dental or prescription insurance cards or information.
  • Copies of your auto, flood, renter's or homeowner's insurance policies (or at least policy numbers), and a list of insurance company telephone numbers.
  • A flash drive with digital copies of irreplaceable photographs (or film negatives protected in plastic sleeves).
  • Backups of computerized financial records.
  • A list of bank account, loan, credit card and investment account (brokerage and mutual funds) numbers.
  • Safe deposit box key.
  • Copies of other important financial and family records or a list of their locations. These include deeds, titles, wills, a letter of instruction, birth and marriage certificates, passports, relevant employee benefit documents, the first two pages of the previous year's federal and state income tax returns, etc. Originals, other than wills, should be kept in a safe deposit box or at another location.

Emergency Cash
After a disaster, you may need cash for the first few days, or even several weeks.  A disaster can shut down local ATMs and banks.  Keep a small amount of cash and/or traveler's checks at home in a place where you can quickly get to them, such as in your evacuation box. Money should be in small denominations including a couple rolls of quarters.

Emergency Fund
Set aside money in an emergency fund.  This can be difficult to do on a tight budget, but can be well worth the effort.  The fund can be very helpful, not only in a disaster, but in other financial crises as well.  Keep your emergency funds in a safe, easily accessible account, such as a passbook savings or money market account.

Credit
Try to keep your credit cards paid off. You may have to draw on them to tide you over.

Consider Renting a Safe Deposit Box
Safe deposit boxes are invaluable for protecting originals of important documents. If you don't have a safe deposit box, keep copies in your evacuation box and originals at a separate location, such as with family or friends. Home safes and fire boxes can be convenient places to store important papers. However, some disasters, such as hurricanes, floods or tornadoes, could destroy your home. It is usually better to store original papers in a safe deposit box or at another location that is not likely to be affected by the same disaster. Keep the key to the safe deposit box in your evacuation box.

Original Documents to Store in a Safe Deposit Box
  • Deeds, titles and other ownership records for your home, autos, RVs, boats, etc.
  • Birth certificates and naturalization papers.
  • Marriage license/divorce papers and child custody papers.
  • Passports and military/veteran papers.
  • Appraisals of expensive jewelry and heirlooms.
  • Certificates for stocks, bonds and other investments.
  • Trust agreements.
  • Living wills, powers of attorney and health care powers of attorney.
  • Insurance policies (copies are sufficient).
  • Home improvement records.
  • Household inventory documentation.
  • Copies of wills. Originals of wills should not be kept in a safe deposit box since the box may be sealed temporarily after death. Keep originals of wills with your local registrar of wills or your attorney.

Professional Advice May be Necessary
Depending on your situation, you may need the advice of a professional financial advisor. There is free financial counseling available when a disaster occurs, or you may want to hire your own professional advisor.

When selecting a financial advisor, ask for recommendations from family or friends.





Black Emergency Managers Association 
          International
1231  Good Hope Road  S.E.
Washington, D.C.  20020
Office:   202-618-9097 
bEMA International 
      








Change without Sacrifice is an Illusion.  Lisa Ellis




FREE FINANCIAL FAIR!!! Join the FEC at the 2019 Money Explosion on April 27th

2019 Money Explosion: A Free Financial Fair is being held at Prince George’s Community College Campus on April 27th, 10am-3pm (Doors open at 9am) in Largo Student Center.  

This is going to be an outstanding event for all ages.  There are workshops (English and Spanish) and activities for everyone. We have workshops for seniors and adults including topics on Retirement, Money Management, Wills and Trust. We have a special track for high school and college students on entrepreneurship.   

There are special programs for children 5-14.  This is a great opportunity, especially during Financial Literacy Month.  

Tickets are free and can be obtained online at www.pgcash.orgLunch is included. Make this a family event.

VOLUNTEERS ARE STILL NEEDED FOR THE EVENT- SIGN UP HERE    


Wednesday, April 10, 2019

Disaster Resilience Workshop. May 2019. What about your community?


Check this out for your community.

For this workshop in Washington, D.C. Spin Global, the D.C. Homeland Security & Emergency Management Agency (HSEMA) with the Rockefeller Foundation 100 Resilient Cities (http://www.100resilientcities.org/).  Participating cities in the U.S. are listed below.

This workshop is funded by the U.S. Department of Homeland Security Science and Technology Directorate. 

TAKE ADVANTAGE to have a similar workshop in your community.  If your city is listed as participating 100 Resilient Cities program.  Contact your city Chief Resiliency Officer office, coordinate with your local emergency management agency. 

“Get it Done.”

For other rural and urban areas, FARMERS, RANCHERS contact your local county, or city emergency management office.  Ask about having this workshop in your community.



100 Resilient Cities Participants in NORTH AMERICA
Atlanta
Berkeley
Boston
Boulder
Chicago
Dallas
El  Paso
Greater Miami and the Beaches
Honolulu
Los Angeles
Louisville
Minneapolis
Nashville
New Orleans
New York
Norfolk
Oakland
Pittsburgh
Pittsburgh
San Francisco
Seattle
St. Louis
Tulsa
Washington,  D.C.




Black Emergency Managers Association 
          International
1231  Good Hope Road  S.E.
Washington, D.C.  20020
Office:   202-618-9097 
bEMA International 
     










"It is my belief that the best results in business come from a creative process, from the ability to see things differently from everyone else, and from finding answers to problems that are not bound by the phrase 'we have always done it this way.' "  Wayne Rogers



FREE at Kaya. Project Management Essentials.


This month we have new courses to help humanitarians develop their project management skills, a paper on the role of the private sector in humanitarian action, and a success story from the Philippines.


 New on Kaya: Project Management Essentials
(D Pro Series)

Looking to improve your skills in project, program and financial management, as well as monitoring, evaluation, accountability and learning (MEAL)? The D Pro Series is a selection of internationally recognised courses aimed at development, relief and humanitarian professionals across the globe. Each course is designed to improve humanitarian skills, especially at the local level, while providing an easy to deploy training system to promote career progression and contribute to sector-wide coherence.



FREE COURSE: Project Mgmt. Developing LogFrames. April 2019



Developing Logframes

Monitoring, Evaluation, Accountability and Learning (MEAL)


Logframes are the foundation of a solid monitoring and evaluation plan. In this course, you will learn what logframes are, why they are a key element of strong program design, and how to develop effective logframes.





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