natural disasters http://www.wisebread.com/taxonomy/term/13510/all en-US Best Money Tips: Safety Tips for Natural Disasters http://www.wisebread.com/best-money-tips-safety-tips-for-natural-disasters <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-safety-tips-for-natural-disasters" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_rain_raincoat_514113984.jpg" alt="Woman preparing for natural disasters" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on safety tips for natural disasters, weird places to find coupons, and effective steps to overcome frustration.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.dumblittleman.com/safety-tips-for-natural-disasters/">Safety Tips for Natural Disasters: A Quick Guide On How To Secure Your Property</a> &mdash; Natural disasters can happen at any time. Protect your loved ones and your property by following these safety tips for different kinds of severe weather. [Dumb Little Man]</p> <p><a href="http://moneypantry.com/getting-coupons/">21 Weird Places to Find Coupons (#1 Is so Obvious That You Miss It!)</a> &mdash; Coupons are one of the best ways to save money, partly because they're so easy to find &mdash; including in some really weird places! [Money Pantry]</p> <p><a href="https://www.positivityblog.com/overcome-frustration/">How to Overcome Frustration: 3 Simple but Effective Steps</a> &mdash; Frustration can wind you up into circles, make you mad, and cause you to waste most of your day. Take these steps to turn your frustrations around, into something positive. [The Positivity Blog]</p> <p><a href="https://www.popsugar.com/smart-living/Free-Printable-Goal-Sheets-44467993">16 Printable Goal Sheets to Help You Stay on Track This Year</a> &mdash; It can be difficult to stay on track with your goals. Put your goals down on paper and hold yourself accountable with these printable sheets. [PopSugar Smart Living]</p> <p><a href="https://www.thesimpledollar.com/raising-a-kid-costs-how-much-heres-how-to-whittle-down-the-costs-of-parenthood/">Raising a Kid Costs How Much? Ways to Whittle Down the Costs of Parenthood</a> &mdash; Raising a kid can be expensive, but there are ways to keep costs down at every age group. [The Simple Dollar]</p> <h2>Other Essential Reading</h2> <p><a href="https://couplemoney.com/marriage-and-money-tips/fix-spouse-hates-budget/">How to Win Your Spouse Over When They Hate the Budget</a> &mdash; There might be a few reasons why your spouse is not on board with your budget. Learn how to address three common issues so you can build a budget you both love. [Couple Money]</p> <p><a href="https://www.csmonitor.com/USA/2018/0116/False-missile-alert-raises-questions-about-preparedness">False missile alert raises questions about preparedness</a> &mdash; The erroneous warning sent Hawaii into a panic and left citizens skeptical about the government's ability to keep them informed in a real emergency. [The Christian Science Monitor]</p> <p><a href="https://moneyqanda.com/save-college-kid-high-school/">How to Save for College While Your Kid is in High School</a> &mdash; Many people start saving for their kids' college while their little ones are still in diapers. If you haven't gotten around to it and they're already in high school, know that there's still time to set aside a substantial amount for their education. [Money Q&amp;A]</p> <p><a href="http://moneyminiblog.com/business/entrepreneur-skill-development/">5 Ways to Become a Successful Entrepreneur Through Skill Development</a> &mdash; One way to keep your business above the others in your industry is to develop your own skills. [MoneyMiniBlog]</p> <p><a href="https://unclutterer.com/2018/01/16/organize-medicine-chest/">Organize your medicine chest</a> &mdash; Most medicine cabinets don't give you a lot of room to work with, but these nifty organizing hacks will help you keep things neat and accessible. [Unclutterer]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-safety-tips-for-natural-disasters">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-safest-cities-in-america-from-natural-disasters">10 Safest Cities in America from Natural Disasters</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-free-411-directory-assistance-that-really-works-a-review">Get free 411 directory assistance that really works (a review)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/discount-your-cellphone-bill-using-work-email">Discount your cellphone bill using work email</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-less-awkward-ways-to-ask-a-friend-for-your-money-back">10 Less Awkward Ways to Ask a Friend for Your Money Back</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/big-list-of-birthday-freebies">Big List of Birthday Freebies</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks best money tips natural disasters safety tips Thu, 18 Jan 2018 09:30:14 +0000 Amy Lu 2089852 at http://www.wisebread.com 13 Essentials Every Emergency Bag Should Have http://www.wisebread.com/13-essentials-every-emergency-bag-should-have <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/13-essentials-every-emergency-bag-should-have" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/emergency_preparedness_checklist_and_natural_disaster_supplies.jpg" alt="Emergency preparedness checklist and natural disaster supplies" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You hear a knock on the door, or an announcement on the TV or radio &mdash; you need to get out, and get out now! We rarely consider the possibility of an evacuation, but for the people recently affected by Hurricanes Harvey, Irma, and Maria, it was a harsh reality. People were given a short window to grab what they could and find a safe place to wait it out. What would you take? Do you have a list, or a pre-packed bag for each member of the family? You should. Here's what you will need.</p> <h2>1. The bag itself</h2> <p>Functionality is key here. What you need is something that is heavy-duty, waterproof, large, and lightweight enough not to be a burden. You are going to have to fill this with supplies that will keep you alive for days, or even weeks, and the last thing you need is something flimsy and unreliable. Look for bags with waterproof liners, plenty of pockets and storage compartments, and multiple ways to carry it. Ideally, it has handles, padded shoulder straps, and a large adjustable strap.</p> <p>Look in specialist camping and survival stores, and also check out army surplus stores; if it's good enough for the Marines, it should do well. Some bags also come with built-in chargers, solar panels, and other tech hookups. Those are optional, but worth considering.</p> <h2>2. Nonperishable food (and access to clean water)</h2> <p>You want to concentrate on survival, not comfort. <a href="http://amzn.to/2yJ77Ua" target="_blank">MREs</a> (Meals Ready to Eat) are a good option, as well as protein bars, packets of oatmeal, freeze-dried products, nuts and dried fruits, and a few canned goods. You want to keep the weight down as much as possible, and cans tend to be on the heavy side. You can also buy an <a href="http://amzn.to/2y7WpJG" target="_blank">emergency food kit</a> and keep that next to your go bag. These can be purchased on Amazon, as well as specialist &quot;prepper&quot; sites, and cost anywhere from $30 to several hundred dollars. If you're watching your budget, these <a href="http://amzn.to/2yFV75T" target="_blank">Datrex 2400 Emergency Food Bars</a> won't be a culinary treat, but they will keep you filled with calories for 72 hours and have a five-year shelf life.</p> <p>For hydration, it's not always practical to pack your go bag with bottled water, so invest in a <a href="http://amzn.to/2wU0sJA" target="_blank">Lifestraw</a>, or some <a href="http://amzn.to/2y92W7d" target="_blank">water purification tablets</a>. These can be kept safe in the go bag, and ready to go when you need to leave quickly.</p> <h2>3. Cold hard cash</h2> <p>Make no mistake, you're going to need money at some point during your evacuation. Even with a well-maintained go bag filled with food and supplies, you'll have to stock up on anything that runs out quickly, or items you just didn't have time to pack. Chances are, if the blackout is in you area, the ATMs will be affected. And even if they do work, they could be out of bounds due to flooding, extreme weather, or barricades. Any stores that are operational won't be operating at full strength, and their POS (Point Of Sale) system will most likely be down. When blackouts happen, everything jumps back several decades in time, and that means paper money and coins will be king.</p> <p>Keep several hundred dollars in a waterproof pouch inside your go bag, in different denominations. Don't stock $100 bills. Instead, pack $20s, $10s, $5s, and $1s. Another pocket filled with loose change is also a good idea.</p> <h2>4. Several changes of clothing</h2> <p>You'll be gone from the house for at least a few days, but it could be weeks. However, whenever any of us pack a bag, we tend to overestimate what we need, and take way too much with us. You do not want to weigh down your go bag, so be very judicious. Clean underwear and socks are light and take up little space, so grab at least a one-week supply of those. Then, consider the conditions. A lightweight jacket is usually a good idea, as well as a few T-shirts, a pair of jogging pants, and a small plastic raincoat that can be folded into a small pouch. Pack everything inside waterproof bags. Don't worry about the condition of the clothing either. Stains, slight tears, wrinkles &mdash; they're all fine. You're out for survival, not dinner and a movie, so choose based on practicality.</p> <h2>5. A first aid kit and your prescription medications</h2> <p>It doesn't have to be a big kit, but you will need something for minor cuts and scrapes, plus the usual pain relievers, ointments, lotions, tools, and allergy meds. Most importantly, you need to grab the prescription medications you rely upon daily. You do not want to run out of the house only to remember you have left behind the meds you need to stay fit and healthy. There won't be the time or opportunity to see a doctor immediately, and the pharmacies in the area could be out of power too. So, attach a note to your go bag reminding you to grab your meds. They could literally be the difference between life and death. (See also: <a href="http://www.wisebread.com/the-5-best-first-aid-kits?ref=seealso" target="_blank">The 5 Best First Aid Kits</a>)</p> <h2>6. Mylar blankets</h2> <p>Also known as space blankets, <a href="http://amzn.to/2xB8JPx" target="_blank">Mylar blankets</a> were developed by NASA in 1964 for the U.S. space program. The Mylar blanket keeps in the heat or reflects the heat, depending on the situation you're in, is very thin, and can shelter you from the wind. They have since been used to cover athletes after finishing marathons, and have also found their way into backpacks of extreme sports competitors. They are cheap, small, and reliable.</p> <h2>7. Hygiene and sanitation products</h2> <p>It may be some time until you get to take a hot shower or bath, so be prepared to clean yourself in the most efficient way possible. Every go bag should contain <a href="http://amzn.to/2xLRZao" target="_blank">hand sanitizer</a>, mouthwash, toothpaste, a toothbrush, toilet paper, soap, a washcloth, and <a href="http://amzn.to/2y8uYQ4" target="_blank">baby wipes</a>. Ladies should also pack feminine hygiene products, as well. Don't worry about after shaves, perfumes, deodorants, cosmetics, and even conditioners. You are only interested in staying clean and germ-free for the duration of your time away from home.</p> <h2>8. A multitool</h2> <p>The go-to multitool in the past was a <a href="http://amzn.to/2xC24F3" target="_blank">Swiss Army Knife</a>, and it's still a great tool to have in your go bag. It has at least six handy tools in one compact case, and if it is built by Victorinox, it will last you a lifetime. However, the <a href="http://amzn.to/2wWSkmy" target="_blank">Leatherman multitool</a> has increased in popularity over the years due to the inclusion of the pliers case design, and is also an excellent option. This model has 14 tools and is a comparable price to the Victorinox. It is also built to last a lifetime. Either of these will be invaluable when you are away from home.</p> <h2>9. Portable power source</h2> <p>You're going to bring your cellphone with you, and it's probably the first thing you'll grab. But it will be useless in a few hours without a power source. You can opt for power banks, which can be charged and ready to go. But, they too will drain quickly, and before you know it, you have two useless bricks in your bag. Instead, opt for power that can be replenished. <a href="http://amzn.to/2wX1VtS" target="_blank">Dynamo power banks</a> require manual winding to charge your phone. You can also find models that include a solar charging options, to give your hand a break and let the sun do the work. (See also: <a href="http://www.wisebread.com/the-5-best-solar-power-banks?ref=seealso" target="_blank">The 5 Best Solar Power Banks</a>)</p> <h2>10. Identification</h2> <p>Hopefully, you will grab your wallet or purse as you are running for the door. But if there just isn't time, or it's in a place that cannot be easily accessed, what are you going to do about official identification? During evacuations, rescue and government workers may need to know who you are, and just telling them your name may not be good enough. A passport is a good way to identify yourself. If you keep it next to your go bag, you can put it in there when you take the bag, and you will always know where it is when you need to take a trip. An official state ID is also a good option.</p> <h2>11. Fire starters</h2> <p>You don't want to discover how hard it is to start a fire after you have been evacuated. It's tough. Just watch an episode of <em>Man Vs. Wild</em> or <em>Survivorman</em>. A fire will provide warmth for your body, and heat to cook with, so keep something in your bag to help you out. A flint and stone is the most hardy and long-lasting, but it can take some practice to get used to. <a href="http://amzn.to/2wWZtmQ" target="_blank">Disposable lighters</a> and <a href="http://amzn.to/2yHrPnq" target="_blank">waterproof matches</a> are also a good bet.</p> <h2>12. Flashlights</h2> <p>Finally, you should keep a <a href="http://amzn.to/2wWVYwZ" target="_blank">hand-crank flashlight</a> or two in your go bag. This is a better option than a battery powered flashlight, especially if you forget about it and the batteries are dead when you do have to evacuate. You could find yourself way out of your element in an evacuation, and having reliable sources of light in your go bag will prove invaluable. If you want to go for an all-in-one model, there are options available that include radios, power banks, and hazard lights. But as long as you can use it to see where you're going, it will work.</p> <h2>13. A tent</h2> <p>If you live in an area that does not have a lot of options for accommodation, you should consider putting a small two or <a href="http://amzn.to/2fyAUKE" target="_blank">three-person tent</a> in your go bag. They are very small and lightweight, and can be assembled in less than five minutes. If it's the choice between carrying a heavier bag, or sleeping in a field in the rain, take the first option.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F13-essentials-every-emergency-bag-should-have&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F13%2520Essentials%2520Every%2520Emergency%2520Bag%2520Should%2520Have.jpg&amp;description=13%20Essentials%20Every%20Emergency%20Bag%20Should%20Have"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/13%20Essentials%20Every%20Emergency%20Bag%20Should%20Have.jpg" alt="13 Essentials Every Emergency Bag Should Have" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/13-essentials-every-emergency-bag-should-have">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-electrical-blackout-essentials-every-home-needs">8 Electrical Blackout Essentials Every Home Needs</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-air-fresheners">The 5 Best Air Fresheners</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-aluminum-and-stainless-steel-water-bottles">The 5 Best Aluminum and Stainless Steel Water Bottles</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-solar-powered-outdoor-security-lights">The 5 Best Solar-Powered Outdoor Security Lights</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-laundry-detergents">The 5 Best Laundry Detergents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping blackout emergency emergency bag emergency supplies evacuation go bag hurricane supplies natural disasters storm Fri, 29 Sep 2017 09:00:06 +0000 Paul Michael 2028011 at http://www.wisebread.com 6 Ways the Government Helps Disaster Victims Recover http://www.wisebread.com/6-ways-the-government-helps-disaster-victims-recover <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-the-government-helps-disaster-victims-recover" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/disaster_recovery_center_sign.jpg" alt="Disaster Recovery Center Sign" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Hurricane season has captured big chunks of recent news cycles, with massive storms Irma and Harvey devastating areas in Florida and Texas. The IRS and other U.S. government agencies are working to help people get back on their feet after these terrible natural disasters. Here's what they're doing.</p> <h2>1. Allowing loans and hardship withdrawals from retirement funds</h2> <p>Usually, the IRS levels penalties against early withdrawals from 401(k) and 403(b) retirement accounts. But it recently announced that in the case of Irma and Harvey, victims can take loans and hardship withdrawals against their retirement funds without penalties. All of the specifics for this IRS initiative can be found on the <a href="https://www.irs.gov/newsroom/tax-relief-in-disaster-situations" target="_blank">IRS disaster relief page</a>.</p> <h2>2. Offering tax relief</h2> <p>The IRS provides tax relief to those who are impacted by disasters. This relief takes the form of tax filing and payment extensions, as well as the ability to claim losses on tax returns that may lower the amount of tax owed. Once an area is a federally declared disaster area, the IRS automatically marks all taxpayers in that area as eligible for relief. The details about these tax relief programs are also on the IRS's webpage for disaster relief.</p> <h2>3. Helping victims find shelter</h2> <p>If you need to find short-term shelter after a disaster, the government has services to help you. You can search for open shelters in your area by texting SHELTER and your ZIP code to 4FEMA (43362). For example: SHELTER 12345. You can also visit FEMA's page on <a href="https://www.fema.gov/interim-housing-resources" target="_blank">Interim Housing</a> if you've been displaced by a disaster and you need to find a longer-term rental home.</p> <h2>4. Granting government relief funds</h2> <p><a href="https://www.disasterassistance.gov/" target="_blank">DisasterAssistance.gov</a> makes it possible to find local resources and apply for assistance. There are also relief funds and programs available for<a href="https://www.irs.gov/businesses/small-businesses-self-employed/disaster-assistance-and-emergency-relief-for-individuals-and-businesses-1" target="_blank"> small businesses</a> and those who are self-employed.</p> <h2>5. Hiring temporary recovery workers after a disaster</h2> <p>Both FEMA and the Small Business Administration (SBA) are currently hiring temporary workers in affected areas to speed the recovery efforts. FEMA's website details the <a href="https://careers.fema.gov/hurricane-workforce" target="_blank">opportunities it has available</a> and SBA has set up a special website where you can <a href="https://www.sba.gov/disaster-assistance/hurricane-response-jobs-sba" target="_blank">apply for hurricane response jobs</a>.</p> <h2>6. Cracking down on price gouging</h2> <p>After a natural disaster, it isn't unusual to find crucial necessities like gas and bottled water sold at ridiculously inflated prices &mdash; including reports of water for $99 a case and gas for $10 a gallon following Hurricane Harvey. This is known as price gouging, and it is illegal. People who have spotted or been victimized by this practice are encouraged to report it to their <a href="https://www.usa.gov/state-consumer" target="_blank">state attorney general</a>.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-ways-the-government-helps-disaster-victims-recover&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Ways%2520the%2520Government%2520Helps%2520Disaster%2520Victims%2520Recover.jpg&amp;description=6%20Ways%20the%20Government%20Helps%20Disaster%20Victims%20Recover"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Ways%20the%20Government%20Helps%20Disaster%20Victims%20Recover.jpg" alt="6 Ways the Government Helps Disaster Victims Recover" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/6-ways-the-government-helps-disaster-victims-recover">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-indirect-ways-taxes-to-the-rich-may-hurt-you">6 Indirect Ways Taxes to the Rich May Hurt You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-you-be-ashamed-to-be-on-public-assistance">Should You be Ashamed to be on Public Assistance?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-max-out-your-ira-contributions-by-april-15th">7 Ways to Max Out Your IRA Contributions by April 15th</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-meeting-the-2018-401k-contribution-limits-will-brighten-your-future">6 Ways Meeting the 2018 401(k) Contribution Limits Will Brighten Your Future</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-if-you-have-a-tax-lien-on-your-house">What to Do If You Have a Tax Lien On Your House</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Financial News Taxes assistance employment financial aid government harvey hurricanes IRA irma natural disasters shelter tax relief Fri, 22 Sep 2017 09:00:06 +0000 Christa Avampato 2023631 at http://www.wisebread.com What You Need to Know About Filing an Insurance Claim After a Natural Disaster http://www.wisebread.com/what-you-need-to-know-about-filing-an-insurance-claim-after-a-natural-disaster <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-you-need-to-know-about-filing-an-insurance-claim-after-a-natural-disaster" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/flooded_street.jpg" alt="Flooded street" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The worst has happened to your home: a tornado, hurricane, or other natural disaster has damaged or destroyed it. Now it's time to rebuild. But what steps do you need to take when filing an insurance claim after a natural disaster? How can you increase the odds that your insurer will pay out as much as possible to help you rebuild not only your home, but your life? (See also: <a href="http://www.wisebread.com/8-signs-you-arent-prepared-for-an-emergency?ref=seealso" target="_blank">8 Signs You Aren't Prepared for an Emergency</a>)</p> <h2>Call right away</h2> <p>The Insurance Information Institute recommends that you call your agent or insurance company immediately after a disaster. You need to determine whether the damage to your home is covered under your policy, how much time you have until you must file a claim, and how long it will take to process the claim.</p> <p>You might want to talk about your deductible, too. If your home is destroyed by a natural disaster, the costs of rebuilding will certainly exceed your deductible. But remember that you'll have to pay your deductible amount first. If you have a deductible of $1,000, you'll have to pay that amount before your insurer starts kicking in its payments to help you rebuild your home.</p> <h2>Re-educate yourself on what your policy covers</h2> <p>Hopefully you understood the amount of coverage your homeowners insurance policy provided when you signed it. But if you've since forgotten, make sure to ask your insurance agent how much coverage you can expect to rebuild.</p> <p>Some policies provide what is known as replacement-cost coverage. This means that your insurer will pay the current value of a damaged or destroyed item even if you've owned that item for several years. Say your home's furnace is destroyed, for example. A replacement-cost policy will cover the cost of that furnace today, even if you bought it 10 years ago.</p> <p>An actual-cost policy isn't quite as good. Under such a policy, your insurer will pay for only a portion of the replacement costs of a new furnace because your 10-year-old furnace isn't worth as much as a new one.</p> <h2>Prevent more damage, within reason</h2> <p>The Insurance Information Institute also recommends that homeowners, once they set the claims process in motion, take reasonable steps to prevent further damage to their property. You might, for instance, pump water out of your home's basement. Or maybe you can cover or board up broken windows.</p> <p>Just be careful not to make more extensive permanent repairs. The temporary work you do &mdash; such as boarding up windows or doors &mdash; will be covered by your insurance company, if you provide receipts of this work. But hiring a contractor to make more extensive repairs before getting the OK from your insurer is a mistake; the odds are this work won't be covered.</p> <h2>Always keep receipts</h2> <p>If you have to move your family into temporary shelter such as a hotel, be sure to keep receipts. Your homeowners insurance policy will cover the costs of these additional living expenses if your home is destroyed. But you need to keep a record of what you're spending if you want to receive full coverage.</p> <h2>Make an inventory of damaged or destroyed items</h2> <p>Your insurance company will send an adjuster to your home to determine the damage and the costs of rebuilding. Your insurer might also send you a proof-of-loss form to fill out, either before the adjuster shows up or after.</p> <p>You'll use this form to list all of the items that were damaged or destroyed by the natural disaster. You should also gather any receipts you have for the items that were destroyed. You'll give this sheet to your insurance company's adjuster.</p> <p>It's also smart to take photos of damaged or destroyed items. These images can provide more evidence to adjusters looking to determine how much money is needed to rebuild your life.</p> <p>Do not throw away damaged or destroyed items until after the adjuster's visit. It helps for them to see the damage in person.</p> <h2>Make a list of the damage to your home's physical structure</h2> <p>List individual damages such as cracked walls, lost roof tiles, damaged electrical systems, broken windows, and demolished chimneys. Again, the more information you can provide to an adjuster about the specific damage to your home, the more compensation you are likely to receive.</p> <h2>Answer questions promptly</h2> <p>If a natural disaster hits your area, be aware that it might take insurance companies longer to process claims and sign proof-of-loss statements with homeowners. To avoid further delays, make sure to answer any questions that your insurance company has as quickly as possible.</p> <p>If your insurance company needs a document, send it as quickly as possible. Any delay on your end will only lengthen your wait for payment.</p> <p>In these times, you might not feel up to dealing with insurance process, but the longer you delay, the longer it'll be before you can start rebuilding. It must be done, so try to find a way to get it done now.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fwhat-you-need-to-know-about-filing-an-insurance-claim-after-a-natural-disaster&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhat%2520You%2520Need%2520to%2520Know%2520About%2520Filing%2520an%2520Insurance%2520Claim%2520After%2520a%2520Natural%2520Disaster.jpg&amp;description=What%20You%20Need%20to%20Know%20About%20Filing%20an%20Insurance%20Claim%20After%20a%20Natural%20Disaster"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/What%20You%20Need%20to%20Know%20About%20Filing%20an%20Insurance%20Claim%20After%20a%20Natural%20Disaster.jpg" alt="What You Need to Know About Filing an Insurance Claim After a Natural Disaster" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/what-you-need-to-know-about-filing-an-insurance-claim-after-a-natural-disaster">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-you-should-buy-the-rental-car-insurance">6 Reasons You Should Buy the Rental Car Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-times-you-shouldnt-file-an-insurance-claim">7 Times You Shouldn&#039;t File an Insurance Claim</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-the-government-helps-disaster-victims-recover">6 Ways the Government Helps Disaster Victims Recover</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-questions-to-ask-during-an-open-house">20+ Questions to Ask During an Open House</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-should-ask-for-a-clue-report-before-buying-a-home">Why You Should Ask for a CLUE Report Before Buying a Home</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance Real Estate and Housing claims damage deductibles hurricanes natural disasters rebuilding receipts storms tornadoes Wed, 13 Sep 2017 08:30:06 +0000 Dan Rafter 2019384 at http://www.wisebread.com How Natural Disasters Can Change Pricing Worldwide http://www.wisebread.com/how-natural-disasters-can-change-pricing-worldwide <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-natural-disasters-can-change-pricing-worldwide" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/post-tsunami.jpg" alt="Recovery workers after a tsumani" title="Recovery workers after a tsumani" class="imagecache imagecache-250w" width="250" height="134" /></a> </div> </div> </div> <p>Millions of natural disasters occur around the world each year, from volcanic eruptions to wildfires to tsunami. As implied by the term &ldquo;disaster,&rdquo; these events can have devastating effects on human life, local economies, and the environment itself. Historically, natural disasters have caused a lot of damage to pricing schemes, as we can see from the following. (See also: <a href="http://www.wisebread.com/party-like-its-1999-the-psychology-of-pricing">The Psychology of Pricing</a>)</p> <h2>Earthquakes and Tsunami</h2> <p>With the United States&rsquo; Geological Survey&rsquo;s most recent <a href="http://earthquake.usgs.gov/earthquakes/eqarchives/year/eqstats.php">report on earthquakes</a> stating that its National Earthquake Information Centers are detecting up to fifty earthquakes per day (approximately 20,000 per year) and millions more are suspected to occur without detection, it&rsquo;s not surprising to see how earthquakes create not only tremors in the ground, but also in pricing for various goods in the market.</p> <p>Case in point &mdash; the devastating 9.0 earthquake off the coast of Japan that occurred on March 11, 2011. As one of the biggest exporters of technological products in the world, companies based in Japan faced a harrowing situation with the subsequent blackouts and parts shortages correlated to the earthquake and tsunami that struck the region. <a href="http://techland.time.com/2011/03/15/japan-earthquake-tech-supply-shortages/">TIME Magazine</a> reported that items such as televisions, PCs, and phones were (and still are) likely to see a rise in prices following the catastrophe. With factories shut down or wiped out altogether, the streamlined creation process for these technologies experienced a severe disruption in wake of these events, and we can see from historical evidence that this isn&rsquo;t the last time an earthquake will lead to a spike in prices due to industrial interruptions.</p> <h2>Global Warming</h2> <p>We&rsquo;ve been hearing about this one for years. From Al Gore&rsquo;s <em>An Inconvenient Truth</em> to the Kyoto Protocol (from which Canada recently withdrew and the United States has yet to ratify), global warming seems to be a major threat posed to our world today. While there are mixed views on the causes and even the very existence of this climate change, one thing is for sure &mdash; the regulations placed on corporations could potentially send prices soaring. This isn&rsquo;t to say these policies are not beneficial &mdash; the debate over whether we should protect the environment or the economy first and foremost will never cease &mdash; but when the operating costs for these companies rise as a result, they are more inclined to pass these costs along to consumers.</p> <p>As a 2009 Forbes article on the <a href="http://www.forbes.com/2009/06/08/waxman-markey-bill-carbon-emission-opinions-contributors-cap-and-trade.html">Cap and Trade Bill</a> stated, politicians in countries across the globe are enacting legislative measures that would require corporations to buy emissions permits for every ton of CO2 generated. While this is a great step towards cleaner, more efficient energy usage, it could also further damage the economy by sending energy prices upward, thus hurting consumers. Regardless of the &ldquo;correct&rdquo; view on the existence and severity of global warming, one thing is for certain &mdash; this will continue to affect price levels for years to come.</p> <h2>Drought</h2> <p>Have you ever read John Steinbeck&rsquo;s <em>The Grapes of Wrath</em>? The Dust Bowl of the 1930s &mdash; during which the story takes place &mdash; was more than just fiction. The droughts and unusually high temperatures during the Great Depression negatively affected thousands of farmers and people who couldn&rsquo;t afford the food prices when the supply diminished, and we continue to see these problems persisting to this very day. The Horn of Africa is currently experiencing its <a href="http://www.un.org/apps/news/story.asp?NewsID=39271">worst drought in nearly six decades</a>. Food prices are only making the problem worse for the millions of people in the region, as even staple items such as maize and milk are on the rise. Anyone who has taken an Economics 101 class knows that supply has an inverse relationship with the price of goods, so with less and less food being grown each year, the famine continues to worsen for those who can&rsquo;t afford the surge in <a href="http://www.wisebread.com/how-to-grocery-shop-for-five-on-100-a-week">prices for food</a>.</p> <h2>Torrential Rains</h2> <p>Contrary to a severe dry season, torrential rains can also lead to a terrible supply shock, as seen in the current Norwegian butter crisis. After an uncommonly wet summer season in Norway, the quality of grazing land for the cows diminished, leading to a sharp drop in the availability of this basic dairy good. As with the rest of the supply shortages as seen in other natural disasters listed above, prices have increased for Norwegians who have been waiting weeks for butter imports.</p> <p>Torrential rains can also cause flooding, which generally devalues homes in the area and shuts down <a href="http://www.wisebread.com/choosing-local-businesses">local businesses</a>, economically hurting both the owners and customers in the region.</p> <p>With the Earth&rsquo;s carrying capacity being stretched to its limits, we are bound to see more natural disasters occurring in the future. With natural disasters comes a loss of life, as well as potentially destructive impacts on pricing in countries around the world. Our governments do what they can to alleviate the hazards before a disaster strikes, but the funding and technology in the status quo isn&rsquo;t enough to prevent them from happening. Ultimately, only our mitigation efforts can be the keys to softening the blow when these catastrophes strike.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kelly-kehoe">Kelly Kehoe</a> of <a href="http://www.wisebread.com/how-natural-disasters-can-change-pricing-worldwide">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-the-government-helps-disaster-victims-recover">6 Ways the Government Helps Disaster Victims Recover</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-a-little-inflation-be-good">Can a Little Inflation Be Good?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-more-by-avoiding-multiple-bank-accounts">Save More by Avoiding Multiple Bank Accounts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/energy-price-spikes">Energy Price Spikes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/kick-that-cell-phone-contract-save-with-a-prepaid-plan">Kick that Cell Phone Contract: Save with a Prepaid Plan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Financial News natural disasters rising prices supply and demand Fri, 06 Jan 2012 10:48:18 +0000 Kelly Kehoe 843450 at http://www.wisebread.com Does Your Business Need a Crisis Response Plan? http://www.wisebread.com/small-business/does-your-business-need-a-crisis-response-plan <div class="field field-type-link field-field-url"> <div class="field-label">Link:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <a href="http://www.openforum.com/articles/does-your-business-need-a-crisis-response-plan" target="_blank">http://www.openforum.com/articles/does-your-business-need-a-crisis-response-plan</a> </div> </div> </div> <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/small-business/does-your-business-need-a-crisis-response-plan" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000015215413Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Just a few weeks ago, I was working in my home office when the whole house began to shake. It may have seemed minor to anyone who has lived in California, but an earthquake with a magnitude of 5.8 is a big deal for those of us on the US east coast.</p> <p>Many businesses sent their employees home, either because they wanted to check their buildings for potential damage or because those employees needed to deal with personal matters, like picking children up from the many schools that closed.</p> <p>A week later, a hurricane swept up the same coast. That led to more downtime for businesses that needed to batten down the hatches and, in many cases, make repair afterwards. There was more warning for the hurricane than the earthquake, but it was still tough for many businesses to handle.</p> <p><strong>The Big Problem is Planning</strong></p> <p>The simple truth is that, as business owners, most of us are focused on building our businesses. We can be so busy working on the opportunities in front of us that we often forget to do any contingency palnning. In fact, at the time of the <a target="_blank" href="http://www.bizforum.org/whitepapers/kamer.htm">9/11 attacks</a> only 19 percent of CEOs reported having a crisis management plan in place, according to PRWeek. But that sort of planning is absolutely crucial.</p> <p>There&rsquo;s no way to plan for <a target="_blank" href="http://www.openforum.com/idea-hub/topics/money/article/insurance-overview-for-small-business-owners-1">every eventuality</a>, but there are a lot of generalized responses that you can put together. In the process of creating a crisis response plan, you may spot some weaknesses in your business&rsquo; operations that you can take steps to fix now.</p> <p><b>Categories of Catastrophes</b></p> <p>Think in terms of categories of potential issues, rather than every possible permutation. That will you will have options that you can adapt to different situations. After all, what you need to do in the event of a blackout will be different than what you&rsquo;ll need to do in the event of a full-fledged evacuation. Where possible, you might want to consider preventative steps you can take, as well.</p> <p>There are plenty of companies that specialize in handling every aspect of crisis management, from prevention to recovery. The price tag can get a little steep for a small business owner, and it is certainly possible to put together a plan for your business without those companies&rsquo; guidance, provided you can invest some time in the process.</p> <p><strong>The Crises Worth Planning For</strong></p> <p>There are plenty of natural disasters that could potentially strike your business, to the point that it can feel absolutely overwhelming to start planning. A more manageable approach can be to think in terms of what you actually need to operate your business&mdash;and what you would need to do if you had to go without.</p> <p><b>Make a List</b></p> <p>You can start by just making a list of what you use every day in the course of running your business. Dig down deeper than just the obvious, though: if you boot up your computer, you&rsquo;re not just using your computer. You&rsquo;re using electricity, an internet connection, software, and perhaps even some web applications.</p> <p>Don&rsquo;t forget to think about a crisis that might remove <em>you </em>from the equation. If an employee or one of your family members had to step in and handle your business for you, having a plan in place they can follow&mdash;typically referred to as a continuity plan&mdash;is crucial. The same goes for the employees who work for you. Especially if you work with a remote team, a team member may be unexpectedly unavailable, for days or even weeks.</p> <p><strong>Documenting Your Crisis Response Plan</strong></p> <p>Keeping your crisis response plan in your head is a sure way to make managing a crisis harder. If a hurricane is headed your way or you just rode out an earthquake, you&rsquo;re going to be stressed&mdash;ask anyone living in the Mid-Atlantic region. You&rsquo;re bound to forget at least a few details.</p> <p>With a written set of guidelines, you can respond quickly. A checklist is nice, especially in situations like an evacuation, when you may have to do a lot in a very short period of time.</p> <p>Be sure to have multiple copies of your plan available, in multiple locations. Storing it on your laptop is great&mdash;but what happens if the battery runs down and you can&rsquo;t recharge? For once, this is a situation where electronic tools shouldn&rsquo;t be your main choice. Sure, you should keep a couple of copies on different computers and in the cloud, but you absolutely need to print out a couple of copies as well.</p> <p>You&rsquo;ll find that it&rsquo;s worth running drills, as well, even if it&rsquo;s just you in the office. Practicing the steps you&rsquo;ll need to deal with a certain situation can help you find potential problems in your plan. Solving such issues now means one less thing to worry about in the event that there&rsquo;s real trouble. You may also notice opportunities for preventing certain situations: even something as simple as setting up off-site backups for your computer files can save your bacon in the event that a crisis wipes out your desktop or laptop.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/thursday-bram">Thursday Bram</a> of <a href="http://www.wisebread.com/small-business/does-your-business-need-a-crisis-response-plan">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/250-tips-for-small-business-owners">250+ Tips for Small Business Owners</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-your-personal-guarantee-on-a-business-credit-card-mean">What Does Your Personal Guarantee On a Business Credit Card Mean?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">Best Credit Cards for Small Businesses</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-your-small-business-targeting-the-wrong-customer">Is Your Small Business Targeting the Wrong Customer?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-safest-cities-in-america-from-natural-disasters">10 Safest Cities in America from Natural Disasters</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Small Business Resource Center Crisis crisis planning disaster planning disasters natural disasters small business Thu, 22 Sep 2011 21:49:01 +0000 Thursday Bram 705939 at http://www.wisebread.com 10 Safest Cities in America from Natural Disasters http://www.wisebread.com/10-safest-cities-in-america-from-natural-disasters <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-safest-cities-in-america-from-natural-disasters" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/park.jpg" alt="Safe park" title="Safe park" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>After the recent earthquake in Japan that triggered tsunamis from Japan&rsquo;s northeastern coast to the northern coast of California, it&rsquo;s no wonder that people are concerned not only about the safety of the people in Japan, but also about the safety of the area in which they live. After all, it seems that devastating natural disasters have been <a href="http://www.emdat.be/natural-disasters-trends">occurring with increasing frequency</a> in recent years. So where are the safest cities in our own country? Here is a list of ten U.S. cities that have a low likelihood of being struck by a major natural disaster. (See also: <a href="http://www.wisebread.com/do-you-need-a-disaster-survival-kit">Do You Need a Disaster Survival Kit?</a>)</p> <h2>The Methodology</h2> <p>From a list of American cities with populations over 100,000, those cities that had a higher likelihood of being struck by tornadoes (in Tornado Alley) were eliminated, as were those cities that were more likely to be hit by a hurricane (Gulf Coast cities and some Atlantic Coast cities). Cities that had a higher probability of experiencing a tsunami (Pacific Coast cities) or that were <a href="http://www.nationalatlas.gov/dynamic/dyn_vol-us.html">located near active volcanoes</a> (concentrated in the Pacific Northwest) were also eliminated. Finally, cities in areas most likely to <a href="http://earthquake.usgs.gov/hazards/products/graphic2pct50.jpg">experience earthquakes</a> (according to the U.S. Geological Survey) were removed from the list.</p> <p>Once the list was narrowed down from 276 to under 100, the top ten were picked based on <a href="http://www.fbi.gov/about-us/cjis/ucr/crime-in-the-u.s/2010/preliminary-crime-in-the-us-2009/downloads">low violent crime rates</a> &mdash; although not a natural disaster, crime rates are also a relative measure of safety.</p> <h2>1. Chesapeake, Virginia</h2> <p><img width="605" height="403" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/4578425529_775eba2b59_z.jpg" alt="" /></p> <p>Population: 222,455<br /> Violent Crime per 100,000 Residents: 158<br /> Best Known For: The Great Dismal Swamp Wildlife Refuge, whose northeastern corner is located in the boundaries of the city. Chesapeake is also known for its location on the Atlantic Intracoastal Waterway.</p> <h2>2. Erie, Pennsylvania</h2> <p><img width="605" height="443" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/4415407150_3848ce8d4e_z.jpg" /></p> <p>Population: 103,571<br /> Violent Crimes per 100,000 Residents: 219<br /> Best Known For: Presque Isle State Park, an arc-shaped peninsula in Lake Erie that is a popular destination for hiking, swimming, fishing and boating.</p> <h2>3. Fort Wayne, Indiana</h2> <p><img width="605" height="402" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/26213244_44ae5f06f6_z.jpg" alt="" /></p> <p>Population: 255,890<br /> Violent Crime per 100,000 Residents: 184<br /> Best Known For: The Fort Wayne Daisies, which is the town&rsquo;s professional women&rsquo;s baseball team featured in the movie <em>A League of Their Own</em>.</p> <h2>4. Grand Rapids, Michigan</h2> <p><img width="605" height="404" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/3463817143_29fd8ee6dd_z.jpg" alt="" /></p> <p>Population: 193,710<br /> Violent Crime per 100,000 Residents: 395<br /> Best Known For: Its location on the banks of the Grand River. Grand Rapids is also known for its Frederik Meijer Gardens and Sculpture Park, a 132-acre attraction that hosts the largest outdoor sculpture collection in the Midwest.</p> <h2>5. Green Bay, Wisconsin</h2> <p><img width="605" height="454" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/2213907822_50be6d0076_z.jpg" alt="" /></p> <p>Population: 101,412<br /> Violent Crime per 100,000 Residents: 215<br /> Best Known For: Its location at the mouth of Fox River on Lake Michigan, and the Green Bay Packers Football Team. Green Bay is the second-oldest franchise in the NFL.</p> <h2>6. Henderson, Nevada</h2> <p><img width="605" height="405" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/4300609851_edd4af10b1_z.jpg" alt="" /></p> <p>Population: 256,445<br /> Violent Crime per 100,000 Residents: 111<br /> Best Known For: Its proximity to Las Vegas, Nevada, as well as Lake Mead and Hoover Dam.</p> <h2>7. Phoenix, Arizona</h2> <p><img width="605" height="455" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/2437783968_8e77831abf_z.jpg" alt="" /></p> <p>Population: 1,593,659<br /> Violent Crime per 100,000 Residents: 286<br /> Best Known For: Its subtropical arid climate and near-constant sunshine.</p> <h2>8. Provo, Utah</h2> <p><img width="605" height="454" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/5068688423_12ca6aff85_z.jpg" alt="" /></p> <p>Population: 119,775<br /> Violent Crime per 100,000 Residents: 68<br /> Best Known For: Brigham Young University and its conservative culture.</p> <h2>9. St. Paul, Minnesota</h2> <p><img width="605" height="434" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/3227597510_3fc40ec934_z.jpg" alt="" /></p> <p>Population: 281,253<br /> Violent Crime per 100,000 Residents: 341<br /> Best Known For: Its status as one of the Twin Cities, along with Minneapolis, and its unusually cold winters. St. Paul is also known for its Winter Carnival, an event attended by over 350,000 people each year.</p> <h2>10. Stamford, Connecticut</h2> <p><img width="605" height="405" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u11/2343019888_b9ebd80878_z.jpg" alt="" /></p> <p>Population: 121,026<br /> Violent Crime per 100,000 Residents: 137<br /> Best Known For: Its highly educated population and its status as home to several Fortune 500 companies, including WWE, Pitney Bowes and UBS.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p>&nbsp;</p> <div align="center"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-safest-cities-in-america-from-natural-disasters&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%20Safest%20Cities%20in%20America%20from%20Natural%20Disasters.jpg&amp;description=10%20Safest%20Cities%20in%20America%20from%20Natural%20Disasters" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center">&nbsp;</div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Safest%20Cities%20in%20America%20from%20Natural%20Disasters.jpg" alt="10 Safest Cities in America from Natural Disasters" width="250" height="374" /></p> <div style="display: none;"> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Safest%20Cities%20in%20America%20from%20Natural%20Disasters_0.jpg" alt="10 Safest Cities in America from Natural Disasters" width="212" height="605" /></p> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janey-osterlind">Janey Osterlind</a> of <a href="http://www.wisebread.com/10-safest-cities-in-america-from-natural-disasters">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-weird-and-wonderful-ways-to-use-vinegar">10 Weird and Wonderful Ways to Use Vinegar</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-essentials-every-emergency-bag-should-have">13 Essentials Every Emergency Bag Should Have</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-things-you-need-in-your-house-to-keep-your-family-safe">20+ Things You Need in Your House to Keep Your Family Safe</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-cheap-ways-to-improve-the-air-quality-in-your-home">10 Cheap Ways to Improve the Air Quality in Your Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-cutting-your-landline-is-a-bad-deal">6 Reasons Cutting Your Landline Is a Bad Deal</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Home home safety living in safe locations natural disasters Mon, 28 Mar 2011 11:36:08 +0000 Janey Osterlind 511628 at http://www.wisebread.com