Emergency Preparedness Guide and Checklist [Download]

Emergency preparedness can mean the difference between weathering a disaster and finding yourself vulnerable in a long-term crisis. From power failures to hurricanes, emergencies strike every day, often without warning. By the time they do, it’s too late to start planning.

Fortunately, there’s plenty you can do now to prepare yourself and your family for a future emergency. But it can be an involved process, and it’s easy to forget something. That’s why it’s a good idea to start with an emergency preparedness checklist.

These recommendations will help you create your own family emergency plan, including a checklist of steps to take and supplies to pack in a disaster supplies kit in the event of an emergency.

Download our printable emergency preparedness checklist

This printable emergency preparedness checklist can help you take the steps needed for creating an emergency plan to keep yourself and your family safe and secure.

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1. Understand the risks for your area

Start getting prepared for emergencies specific to your location by assessing the risks of your particular location. Though there are basic requirements for preparedness, each type of natural disaster also requires its own specialized preparations.

For example, an ice storm might cause an extended power outage, so you may want to install a portable generator. In an earthquake or tornado, you’ll need to know how to find the safest place to shelter. (In both cases, stay away from windows, near the center of an inside room.)

And different regions are prone to different disasters: Texas has been hit by freezing weather, hurricanes, floods, hail and fires. In California, earthquakes and fires are common threats. Oklahoma is in “tornado alley,” and is often hit by ice storms.

Consult relief agencies in your area to get information about emergency alerts for the community, evacuation routes from the area and special assistance options for elderly people and those with disabilities. Ask at your workplace and your children’s schools or daycare to learn about each facility’s emergency plan.

Monitor weather and fire reports via NOAA weather radio. Download a reliable weather app, and sign up for emergency alerts. Wireless Emergency Alerts sent to your smartphone will signal you with a unique tone and vibration, then brief text messages explaining the type of alert and recommended action.

2. Write down emergency contact numbers

Important phone numbers should be available in multiple locations and formats. It’s a good idea to post them on the fridge — along with your home number and address for reference — as well as near any landline telephones. Also, program these numbers into the cellphones of every household member.

Choose a primary emergency contact and at least one secondary contact to call if your family gets separated. One should live out of state, and one should live locally. Tell your family members and loved ones which to call during each possible type of emergency. Remember that sometimes during a crisis, it’s easier to get through to out-of-state numbers than local ones.

It’s also a good idea to know which emergency management and response organizations you may be dealing with following a disaster, such as FEMA or the American Red Cross. Post these numbers, as well, and store them in your contacts.

Program emergency services numbers into your phone and put them near the top of your list, so you can find them right away. Hint: Most phones list contacts alphabetically, so you might want to list emergency contacts with “AA” or the number 1. Then write them on a small card to place in your wallet, in case you’re away from the list you’ve posted, your phone isn’t charged or your WiFi is down.

Here are some numbers you should include:

  • Fire / paramedics
  • Police
  • Local relief agencies
  • Area utilities
  • Work
  • School
  • Child care
  • Relatives
  • Poison control

3. Identify escape routes

Draw out the floor plan of your house and determine which escape routes would be safest for a quick getaway in each type of emergency. Escape routes also should be practical for pets, if you have any.

Post escape route plans in a central location in your house, preferably alongside the important contact numbers, and in each bedroom. Consider loading these directions into your smartphone, too.

It’s important to know when to get out and when to take cover where you are. Fires can occur in any climate and are the most common type of emergency that require escape or evacuation routes; if you’re indoors during a tornado or earthquake, you’re better off staying put.

Strategically store any equipment that could help you escape more quickly, such as collapsible ladders in upstairs rooms or window breakers for shatterproof glass. If your windows or doors have security bars, be sure they’re equipped with emergency releases so you can get out quickly if you need to.

And if you have pets, make pet carriers easily accessible so you can load them up quickly. (Herding cats is even more difficult in a crisis.)

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4. Locate emergency meeting places

Designate two different locations where family members can gather to find each other after leaving your home. One should be directly outside the home in the event of a fire. Identify a location that’s a safe distance from the house, such as a neighbor’s home, mailbox or nearby stop sign.

The other designated meeting place should be outside the neighborhood in case of an evacuation. In the event of a major disaster that requires an evacuation, tune in to local media and be on the lookout for alerts about where to find help at emergency shelters.

You might also designate an out-of-state meeting spot if it’s common for your whole area to be evacuated, as in hurricane season. Make sure your family members have these addresses and phone numbers among their emergency contacts.

Include all locations in your escape route plan, clearly marked on a map. Post the meeting plan alongside the important contact numbers and escape routes.

5. Practice escaping, responding and meeting with family

Discuss with household members what to do during a fire, storm, earthquake, etc. At least two people in your home should know how to shut off utilities and respond to power outages. At least two should be familiar with first aid procedures to address personal injuries.

Make sure your household takes time to review the escape routes and practice using them so your whole family will be ready in the event of an emergency. Hold periodic drills the way schools, businesses and other public facilities do, to be sure everyone can get out of the building. If you can, have your family meet up at the designated local emergency meeting spots.

6. Pack an emergency supplies kit

Have a go-bag or preparedness kit ready that includes family records and other important documents (stored in a safe portable container), along with survival essentials that you may need during an emergency. Refer to the emergency preparedness checklist below for supplies to include in your emergency kit.

“Go bag” supplies

“Go bags” are emergency kits that contain the essentials for people to stay safe and secure in a crisis. Most items listed will apply across the board. However, you can decide whether you need to pack other essentials that address special needs — for instance, specialized medical supplies, prescription medications, spare eyeglasses, personal hygiene items or pet food.

For more information, check with the U.S. government’s official emergency preparedness website, ready.gov.

Essential survival supplies

  • First aid kit
  • Emergency blanket
  • Battery-powered radio
  • Extra batteries
  • Duct tape
  • Flashlight
  • Fire extinguisher
  • Pocket knife
  • Sleeping bag/tent
  • Drinking water
  • Protein bars
  • Canned food
  • Manual can opener

Additional supplies

  • Cellphone
  • Cellphone charger
  • Credit cards
  • Birth certificates
  • Garbage bags
  • Insurance policies
  • Traveler’s checks
  • Contact information
  • Sturdy shoes
  • Sleeping bags
  • Face mask
  • Rain gear, if applicable

Tool kit supplies

  • Pliers
  • Pocket knife
  • First aid kit
  • Duct tape
  • Can opener
  • Fire extinguisher
  • Battery-powered radio
  • Flashlight
  • Extra batteries]

Personal hygiene and health supplies

  • Hand sanitizer
  • Toilet paper
  • Prescription medications
  • Feminine supplies
  • Extra change of clothing
  • Washcloths
  • Household chlorine bleach
  • Clean wipes or towelettes

Food and drink supplies

Plan on having a 3-day supply of non-perishable food in a waterproof container, plus a supply of water. Keep a gallon of water per day for each person for several days, to be used for drinking and sanitation. Pack as lightly as possible without leaving out essentials. Foods like protein bars are great space- and weight-savers.

  • Drinking water
  • Peanut butter
  • Granola bars
  • Vacuum-packed meats
  • Canned foods
  • Crackers
  • Protein bars

Stay safe with our emergency preparedness checklist

It can be a complicated process to create an emergency plan and assemble a kit of supplies for your family. But it’s an endeavor that’s worth every moment of effort when your preparations keep your family safe and secure during a disaster.

The post Emergency Preparedness Guide and Checklist [Download] appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

Why I’m Grown-Up and Employed, but Still Need Mom to Co-Sign on My Home

cosign leaseJillian Pretzel

When I got my first apartment after college, I needed my mom to co-sign my lease.

The landlord required proof that I made three times the rent, but since I wasn’t making nearly enough, I called Mom to sign on that second dotted line.

Then, in my mid-20s, when I bought my first condo, I needed a co-signer again. Once again, my mom was there for me.

Now I’m almost 30, married, and expecting our first child. Both my husband and I are gainfully employed and have good credit histories, so you’d think we wouldn’t need any parent co-signing for us to rent a home! But alas, we’d recently moved to New York City, where rents were so high, snagging a half-way decent apartment would require Mom to co-sign once again.

What’s going on? Would I need my mother to co-sign forever?

Of course, I feel lucky to have a parent who’s so supportive. But I can’t help but think that there’s something wrong with me, where I was choosing to live, or perhaps the housing system in general.

So, I started looking into why co-signing is so often required, even in cases where it seems unnecessary. Here’s what I learned, and some words of wisdom from experts that could help you get through the inconvenient (and embarrassing) cycle.

Why co-signers are required

What bothered me most about needing a co-signer was that I felt like I wasn’t being taken seriously as a tenant. I had a good job and a college degree, why couldn’t I be trusted to pay my rent?

As it turns out, many people face this problem.

While landlords may have differing requirements, the industry standard is that your take-home income must be three times what you pay in rent. So if you make $3,000 a month, your monthly rent should not exceed $1,000.

But is this realistic with today’s runaway rent prices?

For instance, in 2013, as a fresh college graduate, I paid $1,600 a month for a one-bedroom, third-floor walk-up in Los Angeles. So based on the three-times rule, I should have been earning $4,800 a month, or $57,600 a year.

A salary that size was an unattainable dream for me right out of college. Even though I had a great sales job and a minimum-wage side hustle, I was making only about twice the annual rent, or $40,000.

And I was one of the lucky ones. The minimum wage in California is $12 an hour, but in 2013 it was $8. To afford a monthly rent of $1,600 in 2013, a minimum-wage worker would have needed to put in 150 hours a week.

Is the three-times rent rule realistic?

Because I needed a co-signer, I couldn’t help but wonder about the three-times rent rule, and the reason for it. Did this mean I’d overextended myself?

As it turns out, I had no reason for worry. With a monthly rent of $1,600, I had another $1,600 left for other expenses, and it was more than enough.

So I started wondering: If twice my income worked just fine for my bills, why do landlords want proof that renters make three times their rent?

“The exact origins of the three-times rule is unknown,” says Michael Dinich of Your Money Geek. Nonetheless, this rule has remained the industry standard—for renters and home buyers alike.

“Mortgage lenders have often used the guideline that housing costs should be no more than 30% of income,” Dinich says. “The three-times rule is likely a handy approximation based on those old guidelines.”

This guideline may even contribute to younger generations’ low rates of homeownership.

“The income of many people, particularly younger adults, has not kept up with home prices in many areas,” says Andrew Latham, managing editor of SuperMoney. “This is why millennials have lower homeownership rates than previous generations.”

Plus, experts say that most landlords (even the nice ones) don’t necessarily care if people aren’t making as much money as they used to. They care more about finding a renter who will be able to pay their rent on time. And if that means sticking to the tried-and-true method of renting to those who can prove they have plenty of income to spare, or can at least get a co-signer, they’ll do it.

How I pay my rent without a co-signer today

While it’s tough for young renters and home buyers almost everywhere to cover their housing costs, it’s even worse in New York City.

Sure, my mom agreed to co-sign the lease, as always. Yet with a baby on the way, my husband and I decided that, rather than taking my mom up on her kind offer, I’d try to find an apartment with a rent that fell comfortably within the three-times rule.

We started crossing things off our wish list. We moved our search from Manhattan to Brooklyn. We stopped looking at homes near subway stations and cute cafes and started touring apartments that were a bit farther out. In the end, we found a studio we liked, and the low rent didn’t require a co-signer.

The post Why I’m Grown-Up and Employed, but Still Need Mom to Co-Sign on My Home appeared first on Real Estate News & Insights | realtor.com®.

Source: realtor.com

February Class-Action Settlements Involve Godiva, Walmart and More

Sometimes, you notice right away if you have been overcharged for an item. If you pick up a box of cereal marked $2.99 and see it listed at $3.22 on your receipt, that error is pretty easy to spot.

In other cases, price discrepancies aren’t so obvious, as seen in a new pre-filled propane tank class-action settlement offer.

Check out this month’s highlighted class-action settlement offers, some of which have taken years of litigation, to see if you can benefit.

AmeriGas Propane Tanks

If you bought an AmeriGas or Blue Rhino pre-filled propane tank between Dec. 1, 2009 and Nov. 30, 2020, you could be eligible for a portion of a $6.5 million settlement.

AmeriGas and Blue Rhino allegedly agreed with each other to reduce the amount of propane in the pre-filled tanks they sold from 17 pounds to 15 pounds without reducing the price, according to court documents. The lawsuit accused the companies of colluding to reduce the amount of product in the propane tanks while keeping the cost the same in order to increase their profit margin by more than 13% per pound.

AmeriGas admitted no wrongdoing but agreed to the settlement to end litigation. Even though consumers who bought either AmeriGas or Blue Rhino propane tanks may be affected by this settlement, it only resolves claims made regarding AmeriGas because the Blue Rhino case is ongoing.

There are two settlement classes:

  • The Indirect Purchaser Settlement Class is made up of those who purchased AmeriGas or Blue Rhino propane tanks, other than a wholesale purchase directly from AmeriGas or Blue Rhino for resale, in Arizona, California, Iowa, Maine, Michigan, Minnesota, Nevada, New Mexico, North Carolina, North Dakota, South Dakota, Utah or West Virginia between Dec. 1, 2009 and Nov. 30, 2020.
  • The Direct Purchaser Settlement Class is made up of consumers nationwide who purchased one of the propane tanks directly from AmeriGas or Blue Rhino through a vending machine at retailers or other locations, or paid one of the companies directly through a vending machine to exchange a previously purchased propane tank, other than a wholesale purchase intended for resale.

Consumers can claim a cash payment of $5 for each tank when they provide proof of purchase along with a completed claim form. If no proof of purchase is submitted, the payment is $2.50 each for a maximum of 50 propane tanks.

Submit your valid claim by March 8, 2021.

ABB Optical Group LLC Contact Lenses

You may be eligible to share in a $30.2 million settlement reached with contact lens distributor ABB Optical Group LLC over allegations of a conspiracy to increase the cost of contact lenses.

If you purchased disposable contacts made by Alcon, Johnson & Johnson Vision Care, CVI or Bausch & Lomb between June 1, 2013 and Dec. 4 ,2018, you may be eligible for compensation. However, Bausch & Lomb contact lenses bought through 1-800-Contacts after July 1, 2015 are not included in this settlement.

The suit alleged contact lens manufacturers, independent optometrists and ABB agreed to “unilateral pricing policies” that prevented competition from online and discount contact lens retailers. This agreement purportedly began in June 2013.

The settlement money provided by ABB will be added to the claims made under previous settlements with contact lens manufacturers. The estimated amount that will be provided to each consumer is not available at this time.

See if you qualify and submit your valid claim by March 10, 2021.

Synchrony Bank

If you received a call from Synchrony Bank between June 1, 2016 and Oct. 19, 2020, you could receive a portion of a $2.9 million class-action settlement.

Synchrony Bank allegedly violated the Telephone Consumer Protection Act (TCPA) by calling individuals who did not have an account with the bank. These unsolicited calls were made by an automatic dialing system or artificial/pre-recorded voice, which is in violation of the TCPA unless the caller has prior written consent from the recipient.

Payment amounts will vary, but are estimated between $25 and $50.

Submit your valid claim by March 1, 2021.

Stonefire Naan Bread

You may be eligible for a portion of a $1.9 million settlement from the maker of Stonefire Naan products, FGF Brands, if you bought their naan bread that was marketed as baked in a tandoor oven between Nov. 16, 2013 and Oct. 23, 2020.

If you bought any of these products within that time period, you may claim $2.50 for each item purchased:

  • Stonefire Original Naan
  • Stonefire Roasted Garlic Naan
  • Stonefire Whole Grain Naan
  • Stonefire Organic Original Naan
  • Stonefire Original Mini Naan
  • Stonefire Ancient Grain Mini Naan
  • Stonefire Naan Dippers

Consumers alleged FGF Brands bakes its naan in a conveyor-style, gas-heated oven even though the company claims the breads are baked in a tandoor oven, which is a clay oven that uses charcoal heat that produces smoky flavors.

The lawsuit alleges FGF Brands used fraudulent and deceptive advertising to market its use of a tandoor oven. FGF Brands denies that it has violated any laws.

Consumers may receive $2.50 for each product purchased, but only five may be claimed without a receipt. With proof of purchase, consumers can claim an unlimited number of products.

Submit your valid claim by Feb. 18, 2021.

21st Century Oncology

If you are one of the 2.2 million patients whose personal information was accessed through a 2015 data breach of 21stCentury Oncology, you could be eligible for compensation from a $12.5 million class-action settlement.

In October 2015, hackers accessed names, Social Security numbers, doctors’ names, medical diagnoses, treatment plans and insurance information. Patients whose data was breached should have received a notice from the cancer treatment center in March 2016.

Several affected consumers filed lawsuits alleging 21st Century Oncology failed to take reasonable cybersecurity steps to protect personal data. 21st Century Oncology admitted to no wrongdoing, but agreed to the settlement to resolve the litigation.

Several forms of relief are available, including:

  • Two years of credit monitoring through Identity Guard.
  • Cash payments up to $40 for lost time without any documentation (two hours valued at $20 per hour.)
  • Cash payments of up to $260 for lost time with documentation (13 hours valued at $20 per hour.)
  • Cash payments of up to $10,000 for any fraud and out-of-pocket expenses incurred because of the data breach.

Submit your valid claim by the May 10, 2021 deadline.

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Walmart, Sam’s Club Sales Tax Refund

Customers who returned an item bought at Walmart or Sam’s Club between July 17, 2015 and Nov. 25, 2020 may be eligible for part of a $5 million settlement.

Walmart and Sam’s Club were accused providing some customers with incomplete refunds by not including the sales tax paid on the original purchase.

The exact cash payment per customer is not available and will depend upon the number of claims filed and the net settlement fund after attorney’s fees, costs and other expenses are deducted.

Complete and submit your valid online claim form by April 1, 2021.

Godiva Chocolatier

If you made a purchase at a Godiva Chocolatier retail store between April 6, 2013 and Nov. 20, 2015, you may be eligible to share in a $6.3 million class-action settlement.

The settlement benefits customers who made a debit or credit card purchase and received a point-of-sale receipt that displayed more than the last five digits of the card number.

The Fair and Accurate Credit Transactions Act (FACTA) prohibits any more than the last five digits from appearing on such a receipt in order to protect consumers.

The complaint alleged Godiva receipts contained 10 digits, including the first six and the last four of the card numbers on its point-of-sale receipts.

Eligible class members might have received a notice regarding a Godiva settlement in 2016 as the case was pending in U.S. District Court in Florida. The case was later refiled in Cook County, Illinois, so if you submitted a valid claim response to the 2016 notice, you do not need to file a new claim in order to receive a payment.

Potential awards are expected to be between $55 and $60.

If you did not submit a valid claim response to the 2016 notice, but you do qualify for this settlement, submit your claim by March 22, 2021.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

Hemsworth Brothers Stage Successful Sale of Their Malibu Retreat

Hemsworth Brothers Malibu Home SaleBarry King/Getty Images

Malibu residents will be seeing a little less of the hunky Hemsworth brothers in the future. Chris, Liam, and Luke Hemsworth have just let their California family retreat go, for $4.25 million. It initially landed on the market in September for $4.9 million.

The sale price may sound disappointing, until you consider the fact that the A-list Aussies bought the architectural modern overlooking the Pacific Ocean in March 2016 for $3,450,000.

Shed no tears for the bros, who are among Hollywood’s hottest commodities. It may be they’re just too busy with their careers, and don’t have the time to relax together as they used to.

It’s reported that the brothers were fond of gathering in the four-bedroom, four-bathroom, 4,612-square-foot home with views of both mountains and coastline.

Tall ceilings accommodated their height, and a chef’s kitchen with restaurant-grade Viking, Wolfe, and Sub-Zero appliances, as well as a 750-bottle refrigerated wine cellar, accommodated their appetites.

The Hemsworth brothers’ beach retreat in Malibu, CA

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Modern fireplace

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Built-in shelving

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Kitchen

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When it was time for a little rest and relaxation, they could chill in the chic yet comfortable home theater.

Home theater

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The grown-ups will enjoy the luxurious master suite, with its views, dual walk-in closets, and spa bathroom with a steam shower and Calacatta gold marble. The dual walk-in closets are also an asset, as are the dual walk-in closets and the towering art walls, ideal for hanging artwork or movie posters.

Main bedroom

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Master bathroom

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It’s also a kids’ paradise, with extra bedrooms that feature built-ins like bunk beds, a sleeping loft with a slide, and their own en suite bathrooms.

Children’s bedroom

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Another children’s bedroom

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The grounds also accommodate a getaway lifestyle. The property is gated and secured, and the house is accessed by a long driveway.

There’s plenty of privacy, but also plenty of open space outdoors. Families could enjoy a spacious dining deck, an outdoor fireplace, gardens, mature landscaping, as well as rolling lawns and natural gardens.

Deck with mountain and beach views

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Garden views

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The great outdoors is easily accessible through the floor-to-ceiling sliders. They complement the home’s wide-open floor plan and its low-maintenance but sophisticated concrete flooring.

Dining area

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Even during the pandemic, the Hemsworth brothers have remained in the limelight in Hollywood, with Chris, the middle brother, a staple in the Marvel Universe, as Thor.

The youngest brother, Liam, is perhaps best known for franchises like “The Hunger Games” and the “The Expendables,” but he also has other big- and small-screen projects under his belt.

Luke, the eldest brother, has been nominated for an award for his ongoing role in the HBO hit “Westworld.”

Eric Haskell of The Agency represented the Hemsworths, while Chris Cortazzo and Susan Saul represented the buyer.

___

Watch: Selling Vanilla Ice’s $800,000 Former Home in FL Is a Family Affair

 

The post Hemsworth Brothers Stage Successful Sale of Their Malibu Retreat appeared first on Real Estate News & Insights | realtor.com®.

Source: realtor.com