Emergency Financial Preparedness. Training
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1 Emergency Financial Preparedness Training
2 Emergency Financial Preparedness
3 Planning is Important
4 Topics for Discussion Pre Disaster Planning Insurance Post Disaster Recovery Tips
5 Pre Disaster Planning What is your emergency plan?
6 Pre Disaster Planning Emergency Financial First Aid Kit (EFFAK) Personal Disaster Preparedness Guide (PDPG)
7 Alabama June 2011
8 Haiti July 2010
9 Haiti
10 EFFAK EVERY FAMILY SHOULD PLAN FOR AN EMERGENCY. THE EFFAK IS A SIMPLE TOOL DESIGNED TO ASSIST YOU IN MAINTAINING FINANCIAL STABILITY IN THE EVENT OF AN EMERGENCY. THE EFFAK HELPS YOU TO IDENTIFY & ORGANIZE KEY FINANCIAL RECORDS, PROVIDES A QUICK REFERENCE FILE FOR YOUR MOST IMPORTANT FINANCIAL DOCUMENTS * CHECKBOOK, CREDIT CARDS, ATM/DEBIT CARDS, BIRTH CERTIFICATE, SS CARD,, DRIVERS LICENSE, PASSPORT CASH-AMOUNT DEPENDS ON SIZE OF FAMILY DEEDS & TITLES,, ACCOUNT NUMBERS, INSURANCE INFORMATION
11 Five Tips to prepare for an Emergency 1. Complete all sections of the Emergency Financial First Aid Kit (EFFAK): 2. Review all the supporting documentation for accuracy and to be sure the document is still in effect. 3. Once your documents are in order, make a copy of your completed EFFAK all the completed forms and the relevant legal documents. 4. Keep your EFFAK in a safe place. Store your completed EFFAK, all original documents, photographs, and computer backup disks in an off-site safety deposit box. 5. Update your kit whenever your documents change, be sure to review and update your EFFAK at least once a year.
12 PDPG PERSONAL DISASTER PREPAREDNESS GUIDES COMPLEMENT THE EFFAK. THIS REQUIRES YOU TO GATHER BASIC INFORMATION ABOUT YOUR FAMILY AND HOW TO REACH LOCAL FIRST-RESPONDERS. IT IS A GREAT RESOURCE FOR BABYSITTERS, OR NEIGHBORS. ml PERSONAL PROPERTY INVENTORY, DIGITAL PHOTOS, VIDEO, COPIES OF RECEIPTS MEDICAL RECORDS, RX & DOSAGES, IMMUNIZATIONS, ALLERGIES, BLOOD TYPE WORK CONTACTS, DAYCARE INFO., COPY OF WILL OR TRUST RED CROSS, FEMA, LOCAL EMERGENCY MANAGEMENT
13 Insurance
14 Insurance Most policies cover losses caused by: Fire and lightning Vandalism and malicious mischief Explosion Smoke Sudden and actual water damage Aircraft & vehicles Theft Riot & civil commotion Windstorm, hurricane, hail Most policies DO NOT cover losses by: FLOODING Earthquakes Termites, insects, rats/mice Freezing pipes when house is vacant Wind or hail damage to trees or shrubs Water damage from continuous and repeated seepage Wear & tear or maintenance Losses if house vacant 60+ days
15 Insurance REVIEW COVERAGE ANNUALLY Automobile-comprehensive covers hail, wind, & water Disability Life Renter s Homeowner s Flood Windstorm Fire Earthquake MOST PEOPLE ARE UNDERINSURED
16 Storing your Information
17 Storing your information
18 Storing your information
19 Storing your information
20 Storing your Information
21 Storing your Information
22 Storing your information FIREPROOF HOME SAFE SAFE DEPOSIT BOX RELATIVE, FRIEND OFFICE SCAN, F-DRIVE
23 Storing your information
24 Post Disaster
25 Post Disaster DOCUMENT EVERYTHING PICTURES INSURANCE COMPANY KEEP JOURNAL CALENDAR FEMA(800) AMERICAN RED CROSS CHURCHES, NON PROFITS, VOAD s, COAD s 211, UNITED WAY
26 Operation HOPE Services Counseling Services Available Disaster Recovery Budget Home Inspections and Repair (licensed, Permit) Assistance with Working with Creditors Referrals to Government and Private Agencies Assistance with Obtaining Copies of Destroyed Documents Insurance Claims Assistance Recovery Seminars and Case Management
27 Operation HOPE Services Counseling Services Available to Homeowners How to negotiate with your lender How to apply for a loan modification How to sell a house & purchase an affordable home How to restructure your existing debt and obligations
28 Operation HOPE Services Earned Income Tax Credit (EITC) The Earned Income Tax Credit or the EITC is a refundable federal income tax credit for low to moderate income working individuals and families. Congress originally approved the tax credit legislation in 1975 in part to offset the burden of social security taxes and to provide an incentive to work. When EITC exceeds the amount of taxes owed, it results in a tax refund to those who claim and qualify for the credit. To qualify, taxpayers must meet certain requirements and file a tax return, even if they do not have a filing requirement. Earned Income and adjusted gross income (AGI) must each be less than: $43,352 ($48,362 married filing jointly) with three or more qualifying children $40,363 ($45,373 married filing jointly) with two qualifying children $35,535 ($40,545 married filing jointly) with one qualifying child $13,460 ($18,470 married filing jointly) with no qualifying children Tax Year 2010 maximum credit: $5,666 with three or more qualifying children $5,036 with two qualifying children $3,050 with one qualifying child $457 with no qualifying children
29 Contact Information: Operation HOPE, Inc. HOPE Coalition America Jason Yancey office fax
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