It's hurricane season — which means any week from now until December has the potential to become a wrecking ball-sized crisis. 现在就做财务准备, you can focus more on you and your family's safety when a storm hits.
Here is an infographic featuring eight ways to ensure fiscal preparedness when the next storm strikes.
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1. 加强应急基金
Open a savings account specifically for natural disasters and feed it all year. This emergency fund can be used to cover repairs, medical bills and travel during hurricanes and tropical storms. If the storm ends up being a false alarm, stay on path and continue building your fund. You never know when the next hurricane will hit.
A 货币市场帐户 is a safe place to park money and earn some interest. T在这里 are limits to how many monthly withdrawals you can make, 但只要你坚持你的极限, a 货币市场帐户 gives you a slightly better rate than a traditional savings account. 非常适合应急准备!
2. 取钱
Make sure to keep enough cash on hand to handle immediate needs. Avoid long lines and possible closings by getting your cash as soon as possible. If you're evacuating, bring your checkbook to cover large expenses.
Louisiana FCU is part of the biggest free ATM network in America, 所以不管你是往北走, 南, 东方或西方, you can access your money at any one of our 30,全国有1000台自动取款机. 点击 在这里 在你身边找到一个.
3. 考虑使用紧急情况专用信用卡
Have a credit card stored away as backup in case of emergencies. Don't keep the card in your wallet, otherwise you may be tempted to use it. The card should have enough available credit to accommodate purchases of food and supplies for a week or more. Having a designated credit card for a hurricane can help you track and document disaster-related expenses as you purchase them.
4. 去电子
确保你做到了 注册网上十大网投官方入口和手机十大网投官方入口. Doing so will make accessing your money much easier during the storm.
如果你还没有, sign-up for e-statements to ensure that your account statements arrive on time in case the mail service is disrupted by the hurricane. E-statements can also help to keep you safe if you're away from home for an extended period of time. A mailbox that's bursting at the seams with letters might attract thieves, 谁来找十大网投官方入口对账单, 信用卡优惠和支票. Scammers are always on the prowl for documents that contain important, sensitive information.
5. Place important documents out of harm’s way
Make copies of important documents and store them in waterproof, resealable, plastic bags. Be prepared to take them with you if you have to evacuate. 这包括:
- 出生证明
- Social security cards (which are required to 收到 联邦应急管理局 assistance)
- 结婚证书
- 免疫接种记录
- 遗嘱
- 兵役记录
- 健康保险信息
- 家庭保险资料
- Tax statements (proof of income might be required to 收到 certain levels of 联邦应急管理局 assistance)
- 如果你拥有自己的房子, property tax statements or a 抵押贷款 payment receipt (you will have to provide some proof of ownership of your home to 收到 联邦应急管理局 assistance)
- 如果你租的话, 一份租约副本, 水电费帐单, or another document that proves the home or apartment was your primary residence (to 收到 联邦应急管理局 assistance)
6. 处理紧急财务问题
Check the expiration dates on your credit and debit cards to ensure they are current in case you have to evacuate. The last thing you want is for your card to expire in the middle of a natural disaster. 如果您有任何问题或疑虑, reach out to your bank or credit union to let them know of your situation.
7. 保养您的车辆
As soon as June 1st rolls around, consider bringing your vehicle in for servicing. An oil change, tire rotation, and new wipers are a must if you think you'll need to evacuate. Additionally, make sure you fill up on gas as soon as your hear of a storm approaching. Proactive and preventive maintenance will help you beat the long lines and avoid having to find a mechanic during the storm.
8. 检查你的保险范围
Before you take any practical steps toward protecting your home and property from impending storms, 查看房主的保险政策. Verify that damage from flooding and strong winds is adequately covered. 如果你的政策似乎不够, now is a good time to consider upgrading to a plan that will provide more extensive coverage.
有关风暴准备的其他连结:
来源: 联邦应急管理局
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