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Public record, April 18, 2014 -4/18/2014, 4:39 PM

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Public record, April 17, 2014 -4/17/2014, 4:39 PM

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New ponies, warmer weather welcome in spring -4/15/2014, 8:47 AM

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Aging issues addressed in April Extension programs -4/3/2014, 9:51 AM

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Power of vegetables and fruits -3/27/2014, 8:46 AM

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Birthday -3/19/2014, 9:19 AM

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Propane refill hits budget; hog butchering on tap -3/11/2014, 3:03 PM

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The Church is called to reflect Jesus outside of church -3/7/2014, 3:49 PM

Extension workshop features estate planning -3/6/2014, 3:49 PM

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Winter blues continue for Eicher family -3/4/2014, 1:53 PM

KDOT announces approved February bids -3/3/2014, 4:28 PM

K-23 pavement replacement project to begin -3/3/2014, 4:19 PM

Celtic guitarist Barlow performing at library -3/2/2014, 4:10 PM

Walk Kansas program offers health benefits -3/2/2014, 12:08 PM

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Preserving the Family planning event March 14 -2/27/2014, 3:49 PM

Nex-Tech hosting Tech Edge Conference in June -2/27/2014, 4:28 PM

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Birthdays -2/24/2014, 11:21 AM

Extension offers financial planning programs -2/20/2014, 9:56 AM

FHSU alum to host pitch fundraiser -2/20/2014, 9:56 AM

Program to focus on parenting teenagers -2/20/2014, 9:56 AM

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Business Briefcase (Feb. 16, 2014) -2/16/2014, 2:53 PM

To strengthen relationships, celebrate success -2/14/2014, 10:04 AM

Sternberg Museum to offer summer camps -2/13/2014, 4:00 PM

Natoma girl promotes state program -2/13/2014, 4:00 PM

Hansen Museum displays students' artwork -2/13/2014, 4:00 PM

Hays Symphony showcases 3 young artists -2/13/2014, 4:00 PM

Hays Eagle Scout earns award -2/13/2014, 4:00 PM

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Whitetail agent has message -2/2/2014, 4:00 PM

Hays native wins award at bioscience symposium -1/30/2014, 11:26 AM

Be aware of earned income tax credit -1/30/2014, 11:26 AM

Learning to make the most of every day in 2014 -1/29/2014, 10:00 AM

'I, Frankenstein' a monstrously bad movie -1/28/2014, 10:15 AM

Snow still piling up for Eicher family; vacation time extended -1/28/2014, 8:54 AM

Adaptability, self-regulation key for divorcing parties -1/27/2014, 9:59 AM

God gives us gifts, wants us to share with others -1/24/2014, 11:16 AM

Celebration Church announces new series service -1/24/2014, 11:16 AM

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Eicher family rings in New Year in style -1/21/2014, 8:48 AM

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Eichers gather as one big family for holiday -1/14/2014, 9:27 AM

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KDA creates easy-to-follow guidelines for farmers, ranchers -1/8/2014, 3:34 PM

Eichers busy during holiday season -1/7/2014, 8:18 AM

Kansas online tax filing now available through KS WebFile -1/6/2014, 4:22 PM

Rep. Huelskamp announces military academy nominations -1/6/2014, 2:42 PM

Traveling Lincoln Exhibition coming to Hays library -1/6/2014, 2:24 PM

Whatever happened to Amelia Earhart? -1/6/2014, 2:24 PM

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Fatalities on Kansas' roads hit all-time low in 2013 -1/3/2014, 10:15 AM

Dreams abound for a happy, peaceful new year in 2014 -1/1/2014, 12:45 PM

Kansas ends 2013 on target -12/31/2013, 3:02 PM

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'American Hustle,' 'Anchorman 2' worth seeing -12/24/2013, 9:10 AM

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Bridge replacement project to start on K-27 in Wallace County -12/23/2013, 8:30 PM

Business Briefcase (Dec. 22, 2013) -12/22/2013, 11:19 AM

Management minute -- Mentoring 101 -12/22/2013, 11:18 AM

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Another year's FHSU graduates find 95-percent rate of success in jobs, advanced study -12/20/2013, 11:42 AM

Public record, Dec. 20, 2013 -12/20/2013, 10:42 AM

What the Bible says: Is it really OK to OMG? -12/20/2013, 10:05 AM

FUMC to host night service -12/20/2013, 10:04 AM

Nex-Tech Wireless hosts annual holiday toy drive -12/19/2013, 10:04 AM

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SPOTLIGHT
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Take steps before disaster

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

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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

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