www.mozilla.com Weather Central
Voices
Headlines

FHSU joins other institutions in alternative-credit consortium -12/20/2014, 6:01 PM

Community members encouraged to vote for favorite cause in spirit of giving -12/19/2014, 4:17 PM

God can be our light during bleak times today, tomorrow, future -12/19/2014, 9:38 AM

Sneak exercise into your holiday activities -12/18/2014, 9:13 AM

Natoma Auxiliary spreads cheer -12/18/2014, 9:13 AM

The joys of the holiday season are all around us -12/17/2014, 10:30 AM

First Care Clinic gets grant -12/16/2014, 4:16 PM

Westar Energy expands commitment to Kansas wind energy -12/16/2014, 12:48 PM

Brownback appoints new Cheyenne County commissioner -12/16/2014, 12:48 PM

'The Battle of the Five Armies' lacking -12/16/2014, 8:23 AM

Baby keeps family active -12/16/2014, 8:23 AM

Hays native serves as intern for Moran -12/15/2014, 11:55 AM

Several ways exist to integrate stepfamilies, holidays -12/15/2014, 9:20 AM

Business Briefcase (Dec. 14, 2014) -12/14/2014, 2:59 PM

Soil test information can lead to bountiful financial returns -12/14/2014, 2:59 PM

Clubs and meetings (Dec. 14, 2014) -12/14/2014, 2:59 PM

Community Bulletin Board (Dec. 13, 2014) -12/13/2014, 3:11 PM

The heart of Christmas -12/12/2014, 8:49 AM

DHDC announces new board members -12/11/2014, 4:17 PM

Area student selected to livestock judging team -12/11/2014, 8:50 AM

Bake ahead, freeze for holidays -12/11/2014, 8:50 AM

Extension estate planning workshops announced -12/10/2014, 3:31 PM

Remembering the Japanese invasion, World War II -12/10/2014, 10:12 AM

DHDC kicks off annual partnership program -12/9/2014, 12:05 PM

A few holiday movies to enjoy -- again -12/9/2014, 9:31 AM

New addition to family brings smiles to faces -12/9/2014, 8:18 AM

Steps can be taken to help stepfamilies adjust to holidays -12/8/2014, 9:41 AM

Genetically modified organism fact or fiction -12/7/2014, 4:12 PM

Clubs and meetings (Dec. 7, 2014) -12/7/2014, 4:11 PM

Yes, there is a Santa Claus -12/5/2014, 9:03 AM

Getting out of balance disrupts life satisfaction -12/5/2014, 9:03 AM

A month of busyness at Hays Public Library -12/5/2014, 9:03 AM

Cookie exchange raises money for children -12/4/2014, 3:27 PM

Master honored with inaugural award -12/4/2014, 8:55 AM

DCF unveils new Hays service center -12/3/2014, 3:29 PM

What's in a color -12/3/2014, 8:57 AM

Several honored for milestone celebrations -12/3/2014, 8:57 AM

A chance encounter overseas -12/3/2014, 8:57 AM

FHSU bands to perform Friday -12/2/2014, 10:19 AM

Dealing with stepfamilies during the holidays -12/1/2014, 8:48 AM

Study finds GMO's safe for livestock -11/30/2014, 3:36 PM

Business Briefcase (Nov. 30, 2014) -11/30/2014, 3:36 PM

Clubs and meetings (Nov. 30, 2014) -11/30/2014, 3:35 PM

Real Black Friday began thousands of years ago -11/28/2014, 9:22 AM

A lifetime of achievements in 4-H -11/26/2014, 7:45 AM

Fort Hays honors courses will serve as pilot courses -11/26/2014, 7:35 AM

Yoders welcome a new baby boy recently -11/25/2014, 9:34 AM

Stepfamily dynamics can be tricky to manage -11/24/2014, 9:55 AM

Clubs and meetings (Nov. 23, 2014) -11/23/2014, 3:11 PM

Business Briefcase (Nov. 23, 2014) -11/23/2014, 3:11 PM

Local Knights of Columbus announce essay winners -11/21/2014, 8:57 AM

Grocery collection for ECMA on Saturday -11/21/2014, 8:56 AM

Feast on these holiday savings this season -11/20/2014, 8:13 AM

Birthdays (Nov. 20, 2014) -11/20/2014, 8:13 AM

HPMH partners with counties for outreach -11/19/2014, 3:49 PM

Kansas Next Step announces honors -11/19/2014, 2:09 PM

Senior volunteers honored for years of service to communities -11/19/2014, 9:09 AM

Living life by the five senses -- plus another -11/19/2014, 9:09 AM

'Big Hero 6' is slightly under-inflated -11/18/2014, 9:15 AM

KHP gives tips for safe Thanksgiving travel -11/17/2014, 1:06 PM

Latest donations move FHSU closer to goal -11/17/2014, 1:06 PM

Kansas is reading to preschoolers -11/17/2014, 12:56 PM

Great American Smokeout is Thursday -11/17/2014, 11:35 AM

Keep little helpers safe in kitchen -11/17/2014, 11:35 AM

Moran receives Legislator of Year Award from home care association -11/17/2014, 11:26 AM

Hammond named to fraternity commission -11/17/2014, 9:45 AM

No stepfamily is immune to holiday stress -11/17/2014, 9:26 AM

Community Bulletin Board (Nov. 17, 2014) -11/17/2014, 9:26 AM

Get the most from grazing crop residue -11/16/2014, 5:35 PM

Clubs and meetings (Nov. 16, 2014) -11/16/2014, 12:52 PM

Choice overload -11/14/2014, 9:05 AM

God and Ebola -11/14/2014, 9:05 AM

Birthday -11/13/2014, 8:30 AM

10 tips for stress-free Thanksgiving cooking, planning -11/13/2014, 8:30 AM

Do you need that annual mammogram? -11/12/2014, 11:52 AM

'Warcraft' preview stirs excitement; 'Interstellar' is solid -11/11/2014, 8:40 AM

Favorite coffee cake and being introduced to Sassy Sundae -11/11/2014, 8:40 AM

Many types of stressors can affect holidays -11/10/2014, 9:09 AM

Time for film's encore, German cooking at library -11/10/2014, 9:09 AM

Business Briefcase (Nov. 9, 2014) -11/9/2014, 4:30 PM

Westview hosting youth lock-in -11/7/2014, 8:22 AM

A prayer that stands the test of time still holds true today -11/7/2014, 8:22 AM

Extension program gives tech tips for parents -11/6/2014, 9:24 AM

Birthdays -11/6/2014, 9:24 AM

Foreigners must report land holdings -11/5/2014, 3:39 PM

Jana's Campaign fundraiser nets $33,000 -11/5/2014, 10:29 AM

Getting out and voting, because I can -11/5/2014, 8:40 AM

Waterline works will hamper traffic -11/4/2014, 4:08 PM

Email issues resolved -11/4/2014, 11:43 AM

Gloria's birthday present, followed by barbecue pizza -11/4/2014, 8:41 AM

Many live in stepfamilies in United States today -11/3/2014, 8:58 AM

Taking care in providing proper animal health -11/2/2014, 8:31 AM

Clubs and meetings (Nov. 2, 2014) -11/2/2014, 11:10 AM

After 5 gathering Nov. 10 in Hays -10/31/2014, 7:50 AM

Time for trick or treating -10/31/2014, 7:49 AM

Gella's to show Turning Points film encore -10/30/2014, 1:53 PM

State's Cold Weather Rule takes effect Saturday -10/29/2014, 9:33 AM

'John Wick' is efficient excitement for flick -10/28/2014, 9:07 AM

Serving up homemade cinnamon rolls -10/28/2014, 9:07 AM

Hansen Foundation awards grant to HaysMed Foundation -10/27/2014, 10:20 AM

myTown Calendar

SPOTLIGHT
[var top_story_head]

Take steps before disaster

Published on -5/23/2013, 9:41 AM

Printer-friendly version
E-Mail This Story

The tornado disaster in Oklahoma dominated the news this week with tales of heartache and loss. The terrible destruction should be a reminder for all of us living in "tornado alley" that we are all vulnerable to the risk of violent weather.

When the tornado sirens sound, as they did in Hays on Saturday night, are you confident you are prepared to face a storm? Would you be prepared to not only survive the damage, but also ease the process of recovery?

Many of us have taken steps to protect our home and families from emergencies. We've purchased first aid kits and fire extinguishers, installed smoke alarms and dead-bolt locks. Some of us might have stocked some extra food and water in the pantry or prepared a basic emergency supply kit. But what about your financial emergency preparedness: Would you have the records and documents needed to recover if your home was damaged or destroyed?

To be financially prepared, there are steps that can -- and should -- be taken now to protect your family and your possessions. A new program and publication from Kansas State Research and Extension encourages Kansans to make a home inventory, review insurance coverage and prepare a "financial disaster kit" to protect important information. You can find the helpful publication "Get Financially Prepared: Take Steps Ahead of Disaster" at www.ksre.ksu.edu/bookstore/pubs/mf3055.pdf.

* Prepare a home inventory. A home inventory is an itemized list of the contents of your home, including basement, attic and garage. It also should include off-site items such as children's property in school lockers or dorm rooms and items in out-buildings or storage units. An inventory of your belongings helps set an approximate value of items owned to determine insurance coverage. In case of a loss, a listing of all items lost or destroyed might be required to settle the insurance claim.

An easy way to begin a home inventory is to take photos or video of every wall in each room of your home and storage areas. Open cabinets, drawers and closets, and take close-ups of unique or expensive items. Add a list that itemizes large or expensive items such as appliances, electronics and valuables with information of approximate age, manufacturer, model and serial number. The Extension publication "Taking Inventory" gives more information at www.ksre.ksu.edu/bookstore/pubs/l776.pdf.

* Review your insurance coverage on your home, vehicles and possessions. Consider other types of insurance, such as life insurance and disability insurance for wage earners. If at all possible, set aside emergency funds to cover the policy deductibles.

* Create a grab-and-go box of information. This financial disaster kit should include identity information that could be needed to access or restore financial records and accounts. Include bank, credit card and other financial account numbers and contact information. Add immunization records and a listing of prescriptions for medicines, glasses and hearing aids. Important phone numbers for family members, doctors, insurance agents and financial advisers also will be useful. Add a copy of your household inventory and an extra safe deposit box key.

In Kansas, the question should not be if a storm will affect my family, but when. Disasters are devastating and unpredictable, but we know spring and summer storms put us at increased risk. Instead of just hoping to avoid a disaster, put some time and attention into preparing for the possibility. In case of emergency, you'll be happy you planned ahead.

To schedule the "Financially Prepared for Disaster" program for your group, call (785) 628-9430 or stop by 601 Main.

Linda Beech is a Kansas State University Research & Extension agent in Ellis County specializing in family and consumer sciences. lbeech@ksu.edu

digg delicious facebook stumbleupon google Newsvine
More News and Photos

Associated Press Videos

AP Breaking News