How Natural Disasters become Tax Disasters…

Natural Disasters

I know…I know, you’re right, it’s not tax time!!  However, it is hurricane season.  That’s why I thought I would give a head’s up on how to avoid or at least minimize records and valuables that can be lost due to natural disasters.

  1. Take advantage of electronic records. If you’re like me, you may already be taking advantage of bank and other financial statements online. If this is the case, your information is already securely stored. Also, keep an additional set of records electronically. One way is to simply scan tax records, insurance policies, birth certificates and the like, onto an electronic format. You may want to download important records to an external hard drive, USB flash drive or burn them onto CDs. Keep duplicates of your records in a safe place. For example, store them in a waterproof and or fireproof container, such as a safe, away from the originals. If a disaster affects your home, it may also affect a larger area. If that happens, you may not be able to retrieve the records that are stored there.
  2. Document Valuables. Take pictures or create videos of the contents in your home and business. Visual records could help you prove the value of your lost things. They could be helpful with insurance claims or casualty loss deductions on your income tax return. Store these in a safe place as well. For example, store them with a friend or relative who lives out of the area.
  3. Here’s a good one!  Start a ‘records exchange’ with trusted friends and family members in other areas.  This way, everyone knows just where their backup records are and how to retrieve them.  This can be very useful to those that don’t have ready access to the necessary technology to electronic storage.


Hope this helps

2015…OMG What Next?

Well, here we are.  Whether 2014 was a great year or not so much, this is a time of reflection.  This post is dedicated to everyone looking forward to what the new year will bring, which brings me to my message.

What we have, spiritually, mentally, physically, financially, or in terms of our relationships, is exactly what WE created or fostered.  This for me is quite sobering.  However, this is my Resolution/Intention going forward.  If it’s something good, I will create more.  If it’s fun, I will do more.  If it’s scary, I will face it and move forward.  If it has angered or upset me, I will let it go.

What I know for certain, is that everyone and everything that I NEED in my life, I already have.  It is entirely up to me to decide where I want to go from here and do the things necessary to ensure my intended outcome.

Check back with us to keep in touch with things that matter.

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What In The World!?!

Community family

Hi, fellow bloggers and blog followers.  Let me tell you a bit about myself first.  I am a financial adviser.  I am self employed and have been since 1999. Right now, I am doing something I very rarely do.  I am at a local laundromat.  For a living, I sit down with people and help them organize their financial lives.  As I sat here,  thinking of what to talk about, I watched and smiled as my feet, leg and laundry cart were assaulted by the kids here with mom, dad, grandparent or whomever.  On comes my light bulb!  I realize that the primary reason for our country’s economic woes is, are you ready?  People are not and have never, for the large majority of the US population, been ‘taught’ about money!

How did this mess get so out of hand?!

Here is my concern.  If the grandparents were not taught, if the parents are not taught and the children (who are the future of this country) are not taught,  what in the world can we possibly expect for our future!?!

In school, children are taught how to read, write, do math (including count money), make bombs, dissect small animals, run for student council president and know north south east and west.  However, when a child gets his or her very first paycheck, do they know that they too should have a budget?  Are they saving for their futures?   Here’s one, do their pay envelopes have instructions?

Here is what I propose.  Let’s make a committment to change this downward spiral in our communities!

Stay tuned as we figure this out together!

Ideas, suggestions, contacts?  Email me at

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