No, we’re not talking about the state of the global economic environment, although that might be appropriate, too. Instead, I want to take a look at a key financial planning concept. In my experience, most people have little trouble understanding the advisability of saving for a goal, such as retirement. To a lesser degree, most [...]
Archive for the ‘Disaster Planning’ Category
Emergency, Emergency!
Posted in Disaster Planning, tagged emergency fund, foundational needs, goals, Insurance, Maslow’s Hierarchy, security needs on September 7, 2011 | 1 Comment »
Let’s Think “We” Not “Me”
Posted in Disaster Planning, tagged benefits, chaos, debt, Japan, Office of Management and Budget, peace, Retirement, standard of living, underemployment, unemployment, wage increases on March 31, 2011 | Leave a Comment »
On Saturday morning, I turned on the news as my coffee brewed. After the earthquake and tsunami in Japan, nuclear radiation escaped from a blast at the Fukushima reactor. Surely, hundreds of thousands of homeless Japanese must have felt the world was ending. In many ways for them, it was. In the wake of deaths, [...]
I Was Robbed!!!!!
Posted in Disaster Planning, tagged appraisals, data storage, emergency contact, insurance claim, reserves, video inventory on March 21, 2011 | 3 Comments »
Really, I was. I’m not talking about a sharply hit ball to the gap that somehow got tracked down. I’m not talking about ordering at the drive thru only to discover when you get home that your order is totally messed up. I’m talking a thief (or thieves) under the cover of darkness breaking into [...]
Investment Moves for a Volatile Market
Posted in Disaster Planning, Investments, Retirement, Savings, tagged asset allocation, bond funds, cash, deflation, equities, financial markets, interest rates, investors, portfolio, stocks on June 14, 2010 | 2 Comments »
With the recent volatility in the markets, everyday investors I meet with are demonstrating polar-opposite positions. On the one hand, many investors’ first instinct is to flee equities and flock to cash, fearing economic concerns will be reflected in the markets. And on the flip-side, others are seeking income alternatives to all-time low interest rates. [...]
A Flock of Black Swans
Posted in Disaster Planning, Education, Investments, tagged debt, Deepwater Horizon, financial markets, fuel prices, global financial system, market instability, natural disasters, natural resource shortage, oil spill, oil supply, peak oil on June 3, 2010 | 3 Comments »
Early in 2009, I wrote an article about how financial planners (and people generally) need to incorporate the high likelihood of unlikely events into their worldview.1 The past few days have struck me by their confirmation that all our assumptions will be challenged, and we cannot afford to be complacent about living in a “normal” [...]
Things That Make You Go “Hmmmmm “. . .
Posted in Credit/Debt, Disaster Planning, Investments, Savings, tagged compounding, ethics, Reuters, taxpayer, Time Value of Money, Word Economic Forum on March 17, 2010 | Leave a Comment »
There are lots of things that don’t make sense on any given day but sometimes it feels like lots of things don’t make sense in a relatively short time frame. That’s what it has felt like to me in this new year 2010 and I wanted to share some of them. Maybe these are things [...]
Minimize Doom and Gloom with a Personal Disaster Recovery Plan
Posted in Disaster Planning, tagged disaster recovery plan, insurance coverage, natural disasters, safety plan on February 25, 2010 | 1 Comment »
An ounce of prevention is worth a lot. Keep in mind that I am an optimist. From my viewpoint, the glass is half full. But, just for a moment, let’s consider that other half—the empty part. Life is good, as they say, most of the time, for most of us. Yet natural and man-made disasters [...]
Pants On The Ground
Posted in Disaster Planning, Home Ownership, Insurance, Investments, Retirement, Savings, tagged American Idol, assets, finance, insurances, mortgage, Pants on the Ground, portfolio on February 15, 2010 | 3 Comments »
Pants on the ground Pants on the ground Lookin’ like a fool with your pants on the ground With the gold in your mouth Hat turned sideways Pants hit the ground Call yourself a cool cat Lookin’ like a fool Walkin’ downtown with your pants on the ground By General Larry Platt Okay, I’m quite [...]
Planning for Uncertainty
Posted in Credit/Debt, Disaster Planning, Education, Employment, Home Ownership, Retirement, Savings, Taxes, tagged financial plan, national debt, personal debt, uncertainty on February 8, 2010 | Leave a Comment »
One of the biggest problems with how we as a nation are addressing — or not addressing — present and future economic problems, such as the national debt, is the uncertainty it creates in your personal financial planning. There are always aspects of uncertainty, but with the level of today’s unknowns, planning decisions are much more [...]
How to Prepare for That Disaster That May Happen One Day
Posted in Disaster Planning, tagged catastrophe, Disaster Planning, disaster programs, disasters, emergency plan, financial planner, financial planning, financial records, unexpected disasters on February 4, 2010 | Leave a Comment »
Back in October I had a blog that talked about dealing with identity theft because of an article in the news about a noted federal official whose identity got stolen. Well, the news in the past few weeks has identified some other planning that we should all do in case of unexpected disasters, like an [...]
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