Monday, August 29, 2011
Tuesday, February 8, 2011
Friday, December 10, 2010
Wednesday, November 3, 2010
Friday, October 29, 2010
This is my favorite recipe for crunchy caramel corn. It's easy to make and it's a delicious way to use popcorn from your food storage.
Combine in pan:
Wednesday, June 16, 2010
There would include:
- Birth certificates and adoption records
- Marriage certificates and divorce decrees
- Drivers' licenses
- Passports/Visas/Green cards
- Social Security cards
- Titles, deeds and registrations for property owned
- Wills and trust documents
- Mortgage and loan information
- Insurance policies
- Bank account records
- Investment account records
- Credit card numbers
Keep original copies of difficult-to-replace documents, such as birth certificates and titles, in a safe deposit box. Make sure the box is held in more than one person's name. While information regarding bank accounts, insurance policies, and investments can be reproduced from account numbers, having immediate access to hard copy may be helpful.
Keep a list of all the documents you have and where they are located.
Make sure that those who need access to them know where to find this master list. Kiplinger's Your Family Records Organizer (www.kiplinger.com/organizer; 800-280-7165, Operator 89) is a CD-ROM product created to help you keep track of all these documents.
Key contact numbers to carry in your wallet: Doctor...employer/spouse's employer...children's schools...banks...insurance agents...minister, rabbi or priest...close relatives, friends and neighbors...utility companies...alarm-system company.
(Source: Barbara Hemphill, "Kiplinger's Personal Finance -Taming the Paper Tiger at Home," pg. 90)
Thursday, March 4, 2010
We can feel peace even when there is trouble around us. There are things we can do to help us make it through these turbulent times. The following is a re-post from an article printed in the June 1980 Ensign and suggests some timeless ideas on how to prepare financially:
1. The breadwinner in the family should make every effort to stay employed and keep earning wages or salaries, profits, and benefits.
2. Try to build tenure or seniority with your employer, and demonstrate both creative and productive skills.
3. Keep knowledge and skills current through continuous upgrading; thus, you can compete with the best and offer the best service or product available in your field. Even family members not employed should do the same. Where possible, everyone should have or work toward a potentially marketable skill or product.
4. Protect yourself during a recession—or times of inflation—by keeping monthly expenditures well under control. It is no time to have any excessive debt or large installment payments. Also, you may not be able to borrow money for major things like houses, farms, or businesses. Wait until money is more available and the interest levels are moderate.
5. Have an emergency cash reserve. The longer or deeper the economic downturn, the greater the need for ready money in such cases as unemployment, reduced income, illness, or injury.
6. As much as possible, get ownership and clear title (or deed) to cars, major appliances, homes, farms, businesses, etc. During a recession or depression, repossession, foreclosure, and garnishment—and the resulting risk of bankruptcy—are more likely since cash demands continue and income may stop. Ownership of your major possessions would provide you with great security.
7. Have an adequate one year’s supply of food and clothing. It takes most families months and even years to build a good supply and learn how to store and rotate it properly. Get started now.
8. Be willing to make significant life-style changes. Economic hardship could force you to sacrifice many comforts and luxuries such as recreation, travel, nonessential clothing, eating out, entertainment, and gifts; can you make some of these changes voluntarily now? Expenditures might have to focus on essentials such as food, housing, utilities, health care, and transportation.
9. Organize your extended families to give help to each generation as needed.
10. Self-reliance is important. Knowing how to make bread, sew clothes, make gifts, toys, and home decorations, paint the house, fix the plumbing, etc., will become increasingly valuable. As much as possible, be able to sustain life. Grow a garden, cultivate fruit trees, keep animals, etc., wherever practical, or have access to these resources.
One of the best defenses against a recession or a depression is owning things like food surpluses (such as grain, sugar, corn, rice, beans, and dried fruits), precious metals and gems, coal and wood, land, etc. They have intrinsic value, demand for them stays high, and they can be used in many ways.
11. Be good friends and neighbors. During hard times, you’ll be exchanging products and services much more.
*Previous posts on FINANCES