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	<title>Comments on: Surviving a Natural Disaster</title>
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	<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Mule Skinner</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-921015</link>
		<dc:creator>Mule Skinner</dc:creator>
		<pubDate>Fri, 13 Aug 2010 02:41:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-921015</guid>
		<description><![CDATA[Water Plan

Your hot water heater contains drinkable water. You can test this by getting some hot water from your kitchen tap – don’t mix with cold – and drinking it. In my house this water has been through a water softener which changes the mineral content (calcium carbonate is replaced by salt) so it does not taste very good but it would keep you alive. Learn how to extract water from the hot water heater if the municipal pressure fails. (First thing to do is shut the water main valve to prevent contamination. Secondly, open a hot water tap upstairs somewhere. Thirdly, take water from the heater’s drain valve. The first few ounces will be ugly but after that it’s good. Test this out to make sure you know how.)

A more elaborate plan would be to place a tank in series with your cold water tap. A non-working hot water heater could serve. If all of your cold water goes through it, this tank will be refreshed every day. Get a plumber to install it with isolation valves. You could probably find such a tank for free since it doesn’t need to heat. Just make sure it does not leak.]]></description>
		<content:encoded><![CDATA[<p>Water Plan</p>
<p>Your hot water heater contains drinkable water. You can test this by getting some hot water from your kitchen tap – don’t mix with cold – and drinking it. In my house this water has been through a water softener which changes the mineral content (calcium carbonate is replaced by salt) so it does not taste very good but it would keep you alive. Learn how to extract water from the hot water heater if the municipal pressure fails. (First thing to do is shut the water main valve to prevent contamination. Secondly, open a hot water tap upstairs somewhere. Thirdly, take water from the heater’s drain valve. The first few ounces will be ugly but after that it’s good. Test this out to make sure you know how.)</p>
<p>A more elaborate plan would be to place a tank in series with your cold water tap. A non-working hot water heater could serve. If all of your cold water goes through it, this tank will be refreshed every day. Get a plumber to install it with isolation valves. You could probably find such a tank for free since it doesn’t need to heat. Just make sure it does not leak.</p>
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	<item>
		<title>By: LIsa</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-416217</link>
		<dc:creator>LIsa</dc:creator>
		<pubDate>Thu, 13 Nov 2008 21:08:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-416217</guid>
		<description><![CDATA[I have always been on board the &quot;Be Smart, Be Prepared&quot; mindset, but I have come to find out that very few of my family or friends are at all prepared for any kind of natural (or man made , for that matter) disaster.  Many don&#039;t even have  a band aid in their house.  Last year I bought them all crank weather radios and this year I have decided to get them all really good First Aid Kits....at least they will be somewhat more prepared.  THis is going to cost me a bit of money, but I feel compelled to help them all(many with young children) be more prepared in the face of a crisis situation.  I have been to two websites:

www.beready.gov   for ideas
www.firstaidnmore.com   to buy kits in bulk.

If anyone else has any ideas how to stress the idea of preparedness to those who prefer to bury their head in the sand....HELP!!!!]]></description>
		<content:encoded><![CDATA[<p>I have always been on board the &#8220;Be Smart, Be Prepared&#8221; mindset, but I have come to find out that very few of my family or friends are at all prepared for any kind of natural (or man made , for that matter) disaster.  Many don&#8217;t even have  a band aid in their house.  Last year I bought them all crank weather radios and this year I have decided to get them all really good First Aid Kits&#8230;.at least they will be somewhat more prepared.  THis is going to cost me a bit of money, but I feel compelled to help them all(many with young children) be more prepared in the face of a crisis situation.  I have been to two websites:</p>
<p><a href="http://www.beready.gov" rel="nofollow">http://www.beready.gov</a>   for ideas<br />
<a href="http://www.firstaidnmore.com" rel="nofollow">http://www.firstaidnmore.com</a>   to buy kits in bulk.</p>
<p>If anyone else has any ideas how to stress the idea of preparedness to those who prefer to bury their head in the sand&#8230;.HELP!!!!</p>
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		<title>By: Jessica</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-403168</link>
		<dc:creator>Jessica</dc:creator>
		<pubDate>Mon, 27 Oct 2008 05:14:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-403168</guid>
		<description><![CDATA[I live in Southern California, and during the Cedar Fires as well as the major fires last year, we had to evacuate- the second time for three days. During that second time, we had to evacuate our home within an hour of waking at four in the morning, to people on megaphoes in helecoptors screaming at us to get out of our homes and flee.

A couple things I have kept in the shed, ready to grab at a moment&#039;s notice since those experiences- cans of gas, freeze-dried food, easy-to-grab camping supplies, cookware, comfy shoes, socks, and sweatshirts for myself and my fiance, and medical/social security cards/birth certificates all on one ziploc baggie (which is, of course, hidden away.)

I also have all of my photos online, so I don&#039;t have to worry about grabbing family photos. I do, however, have all of my scrapbooks on one place so I can grab them and go.]]></description>
		<content:encoded><![CDATA[<p>I live in Southern California, and during the Cedar Fires as well as the major fires last year, we had to evacuate- the second time for three days. During that second time, we had to evacuate our home within an hour of waking at four in the morning, to people on megaphoes in helecoptors screaming at us to get out of our homes and flee.</p>
<p>A couple things I have kept in the shed, ready to grab at a moment&#8217;s notice since those experiences- cans of gas, freeze-dried food, easy-to-grab camping supplies, cookware, comfy shoes, socks, and sweatshirts for myself and my fiance, and medical/social security cards/birth certificates all on one ziploc baggie (which is, of course, hidden away.)</p>
<p>I also have all of my photos online, so I don&#8217;t have to worry about grabbing family photos. I do, however, have all of my scrapbooks on one place so I can grab them and go.</p>
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		<title>By: Ty Brown</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-386232</link>
		<dc:creator>Ty Brown</dc:creator>
		<pubDate>Fri, 03 Oct 2008 18:41:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-386232</guid>
		<description><![CDATA[This post reminds me why the LDS church teaches its members to keep a one year food supply storage.  It can protect against natural and economic disasters.]]></description>
		<content:encoded><![CDATA[<p>This post reminds me why the LDS church teaches its members to keep a one year food supply storage.  It can protect against natural and economic disasters.</p>
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		<title>By: carolyn</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-384199</link>
		<dc:creator>carolyn</dc:creator>
		<pubDate>Wed, 01 Oct 2008 06:16:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-384199</guid>
		<description><![CDATA[This has been a great discussion. I write an emergency preparedness blog, teach classes about preparedness strategies and have authored preparedness and food storage books. Just a few comments. One comment about food. Never add jerky, salted foods or foods that need to be reconstituted to your 72 hour kits. Sufficient water is rarely available if you are in a situation where you have to use the food in your kits. Jerky and salted foods will add to your thirst, not a good thing when you have no water. Alcohol, soda and coffee will also increase thirst.

About maps. Take time now to mark several escape routes using various colors of highlighters. If a route is blocked this will make finding an alternative much easier and faster. 

I recommend glow sticks for lighting. After a natural disaster there are often gas leaks and open flames are not possible. Glow sticks provide light all night long without running down batteries.

One last item, I always recommend a hand crank flashlight/radio combination that also uses batteries. Use the batteries for a short time and the crank option will work again. Some are also solar powered and need to be charged using the solar before their first use.

If you haven&#039;t seen my blog please check it out. I have a Seven Steps program posted every Monday and we do 7 things each week to be more prepared. I post tips daily and on Wednesday, tips for saving money.I hope you&#039;ll visit. http://blog.TotallyReady.com]]></description>
		<content:encoded><![CDATA[<p>This has been a great discussion. I write an emergency preparedness blog, teach classes about preparedness strategies and have authored preparedness and food storage books. Just a few comments. One comment about food. Never add jerky, salted foods or foods that need to be reconstituted to your 72 hour kits. Sufficient water is rarely available if you are in a situation where you have to use the food in your kits. Jerky and salted foods will add to your thirst, not a good thing when you have no water. Alcohol, soda and coffee will also increase thirst.</p>
<p>About maps. Take time now to mark several escape routes using various colors of highlighters. If a route is blocked this will make finding an alternative much easier and faster. </p>
<p>I recommend glow sticks for lighting. After a natural disaster there are often gas leaks and open flames are not possible. Glow sticks provide light all night long without running down batteries.</p>
<p>One last item, I always recommend a hand crank flashlight/radio combination that also uses batteries. Use the batteries for a short time and the crank option will work again. Some are also solar powered and need to be charged using the solar before their first use.</p>
<p>If you haven&#8217;t seen my blog please check it out. I have a Seven Steps program posted every Monday and we do 7 things each week to be more prepared. I post tips daily and on Wednesday, tips for saving money.I hope you&#8217;ll visit. <a href="http://blog.TotallyReady.com" rel="nofollow">http://blog.TotallyReady.com</a></p>
]]></content:encoded>
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		<title>By: NYC reader</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-382350</link>
		<dc:creator>NYC reader</dc:creator>
		<pubDate>Sun, 28 Sep 2008 03:44:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-382350</guid>
		<description><![CDATA[I posted a question about emergency preparedness in Reader Mailbag #28, along with some of my ideas, so I&#039;m really glad to see Trent has devoted an entire post to this topic.

High on my list of foodstuffs are items that do NOT require additional water for preparation, and where heating is optional.  Clean potable water will be in short supply in most emergencies, and folks shouldn&#039;t count on being able to prepare foods that require additional water and a fuel source such as ramen noodles, pasta, rice, oatmeal, etc.

It&#039;s not just CLEAN water that will likely be available, a power outage can cut off ALL water.  Electric pump for your well?  Forget about water.  Live in an apartment building higher than seven stories?  No water for you either, even with that big tank on the roof; once it&#039;s drained by gravity, no new water will be pumped to the tank.

Fuel sources will be in tight supply, and if you have municipal water supply, there will likely be a mandatory boil water order.  That will use up tons of fuel.

If you have no electricity, many newer gas stoves won&#039;t work because they have a safety valve that shuts off gas flow when there&#039;s no power.

Plan on using alternate heat sources for cooking, but note that if you’re in a car or an enclosed shelter, you can’t light a fire of any type because of the risk of carbon monoxide poisoning.

If you&#039;ve got some cans of Sterno (gelled alcohol fuel) and a few bricks, you can easily make a small efficient cookstove nearly anywhere.

Find a flat surface.  If it&#039;s not inherently fireproof (granite countertop or metal stovetop, for example), put three bricks on the surface, laying them flat so you have about a 12&quot; square fireproof cookspace.  Place two additional bricks on top of the brick cookspace; these will be the windscreen and will support the pots/pans.  Place one or two Sternos (depending on the size of the pots/pans and what needs to be heated, a big pot of water needs two Sternos) in between the two bricks and light them.  Place the pot/pan on top of the two bricks.

If this is a winter emergency and you have no heat, those bricks will be a welcome source of heat, they&#039;ll be nice and warm when you&#039;ve finished cooking/heating.  Place the warm bricks in your sleeping bag or under your blankets and crawl in to warm up.

Repeat of my ideas from Reader Mailbag #28:

My preparedness foodstock includes shelf-stable items that require no refrigeration, cooking, or special preparation. For the most part, they don’t require additional water for preparation, and I get most of them at Costco or Sam’s Club, so the prices are reasonable.

Peanut butter, crackers, tuna pouches (no can opener required!), granola bars, ready-to-eat soups in juicebox packages (again, no can opener required), canned veggies (corn and peas), etc.

I have a ziplock bag with a bunch of individual jams and preserves, saved from all those restaurant breakfasts.

I favor the granola bars, but you might prefer Pop-Tarts or energy bars. Dry cereal is good, make sure it’s well-sealed in ziplock bags. Milk or soymilk in individual juiceboxes is good if that’s your prefererence.

Kids like canned ravioli and Spaghetti-Os. Adults and kids might like canned beef stew.

All of these require no water to prepare, and heating is optional.

I have tea bags and instant coffee (can’t stand the stuff, but I figure I might be really desperate for coffee). Also water in both gallon jugs and individual bottles.

Red Cross says you should have a minimum gallon/day per person for a minimum three-day event, I keep about 1.5 gal/day (because I drink a lot of water), and I plan on a week.

Also disposable paper plates, bowls, cups, utensils (plan on no potable water or water at all to wash dishes).

Heatsources are sterno (gelled alcohol fuel), candles in glass, bare candles, and a small backpacking stove with fuel.

Of course, batteries, flashlights, radios, first aid kit, medications, instant hand sanitizer, toilet paper, hygiene supplies, etc. I have a small 4-cell AA/AAA battery charger that runs from both a car cigarette lighter and a wall AC outlet, along with some rechargable AA and AAA batteries.

And CASH. Plastic is useless when there’s no power or communication. Cash requirements vary depending on one’s circumstances, but I think at least $100/person is the minimum to get through an emergency, maybe a minimum of $200-300 dollars for a single person or couple.

With all these items, the key is to periodically use and replenish them so they are always fresh. Pick shelf-stable items you actually use on a regular basis, or would be willing to use (I never had canned veggies in the house, I eventually learned to use them in omelettes and soups).]]></description>
		<content:encoded><![CDATA[<p>I posted a question about emergency preparedness in Reader Mailbag #28, along with some of my ideas, so I&#8217;m really glad to see Trent has devoted an entire post to this topic.</p>
<p>High on my list of foodstuffs are items that do NOT require additional water for preparation, and where heating is optional.  Clean potable water will be in short supply in most emergencies, and folks shouldn&#8217;t count on being able to prepare foods that require additional water and a fuel source such as ramen noodles, pasta, rice, oatmeal, etc.</p>
<p>It&#8217;s not just CLEAN water that will likely be available, a power outage can cut off ALL water.  Electric pump for your well?  Forget about water.  Live in an apartment building higher than seven stories?  No water for you either, even with that big tank on the roof; once it&#8217;s drained by gravity, no new water will be pumped to the tank.</p>
<p>Fuel sources will be in tight supply, and if you have municipal water supply, there will likely be a mandatory boil water order.  That will use up tons of fuel.</p>
<p>If you have no electricity, many newer gas stoves won&#8217;t work because they have a safety valve that shuts off gas flow when there&#8217;s no power.</p>
<p>Plan on using alternate heat sources for cooking, but note that if you’re in a car or an enclosed shelter, you can’t light a fire of any type because of the risk of carbon monoxide poisoning.</p>
<p>If you&#8217;ve got some cans of Sterno (gelled alcohol fuel) and a few bricks, you can easily make a small efficient cookstove nearly anywhere.</p>
<p>Find a flat surface.  If it&#8217;s not inherently fireproof (granite countertop or metal stovetop, for example), put three bricks on the surface, laying them flat so you have about a 12&#8243; square fireproof cookspace.  Place two additional bricks on top of the brick cookspace; these will be the windscreen and will support the pots/pans.  Place one or two Sternos (depending on the size of the pots/pans and what needs to be heated, a big pot of water needs two Sternos) in between the two bricks and light them.  Place the pot/pan on top of the two bricks.</p>
<p>If this is a winter emergency and you have no heat, those bricks will be a welcome source of heat, they&#8217;ll be nice and warm when you&#8217;ve finished cooking/heating.  Place the warm bricks in your sleeping bag or under your blankets and crawl in to warm up.</p>
<p>Repeat of my ideas from Reader Mailbag #28:</p>
<p>My preparedness foodstock includes shelf-stable items that require no refrigeration, cooking, or special preparation. For the most part, they don’t require additional water for preparation, and I get most of them at Costco or Sam’s Club, so the prices are reasonable.</p>
<p>Peanut butter, crackers, tuna pouches (no can opener required!), granola bars, ready-to-eat soups in juicebox packages (again, no can opener required), canned veggies (corn and peas), etc.</p>
<p>I have a ziplock bag with a bunch of individual jams and preserves, saved from all those restaurant breakfasts.</p>
<p>I favor the granola bars, but you might prefer Pop-Tarts or energy bars. Dry cereal is good, make sure it’s well-sealed in ziplock bags. Milk or soymilk in individual juiceboxes is good if that’s your prefererence.</p>
<p>Kids like canned ravioli and Spaghetti-Os. Adults and kids might like canned beef stew.</p>
<p>All of these require no water to prepare, and heating is optional.</p>
<p>I have tea bags and instant coffee (can’t stand the stuff, but I figure I might be really desperate for coffee). Also water in both gallon jugs and individual bottles.</p>
<p>Red Cross says you should have a minimum gallon/day per person for a minimum three-day event, I keep about 1.5 gal/day (because I drink a lot of water), and I plan on a week.</p>
<p>Also disposable paper plates, bowls, cups, utensils (plan on no potable water or water at all to wash dishes).</p>
<p>Heatsources are sterno (gelled alcohol fuel), candles in glass, bare candles, and a small backpacking stove with fuel.</p>
<p>Of course, batteries, flashlights, radios, first aid kit, medications, instant hand sanitizer, toilet paper, hygiene supplies, etc. I have a small 4-cell AA/AAA battery charger that runs from both a car cigarette lighter and a wall AC outlet, along with some rechargable AA and AAA batteries.</p>
<p>And CASH. Plastic is useless when there’s no power or communication. Cash requirements vary depending on one’s circumstances, but I think at least $100/person is the minimum to get through an emergency, maybe a minimum of $200-300 dollars for a single person or couple.</p>
<p>With all these items, the key is to periodically use and replenish them so they are always fresh. Pick shelf-stable items you actually use on a regular basis, or would be willing to use (I never had canned veggies in the house, I eventually learned to use them in omelettes and soups).</p>
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		<title>By: Macinac</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-382345</link>
		<dc:creator>Macinac</dc:creator>
		<pubDate>Sun, 28 Sep 2008 03:29:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-382345</guid>
		<description><![CDATA[Most everything is already said by now, but here are a couple of extras: (1) I keep a statewide book of county road maps in the car (from De Lorme). This allows for finding alternate routes when roads are closed or impassable. (2) My Ford car has a keypad for unlocking the door, which allows access without a key; and I have an ignition key hidden inside. (3) Spam is a useful emergency food: high in energy and protein (and salt), will keep for years and years, can be opened without a can opener, and can be eaten without cooking.]]></description>
		<content:encoded><![CDATA[<p>Most everything is already said by now, but here are a couple of extras: (1) I keep a statewide book of county road maps in the car (from De Lorme). This allows for finding alternate routes when roads are closed or impassable. (2) My Ford car has a keypad for unlocking the door, which allows access without a key; and I have an ignition key hidden inside. (3) Spam is a useful emergency food: high in energy and protein (and salt), will keep for years and years, can be opened without a can opener, and can be eaten without cooking.</p>
]]></content:encoded>
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		<title>By: SteveJ</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381795</link>
		<dc:creator>SteveJ</dc:creator>
		<pubDate>Sat, 27 Sep 2008 03:59:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381795</guid>
		<description><![CDATA[Lots of good stuff here, I&#039;d just add two:

Those bottle hand sanitizers, I wish I&#039;d bought a boxful.  We just got water back from Ike today and not being able to wash your hands is incredibly frustrating.

If it&#039;s something like a hurricane where you have days worth of notice (a rare luxury, I know), go ahead and do all your laundry well before hand.  I was lending out clothes to friends because I had everything clean ahead of time.  Unfortunately we waited a bit too long to start the dishwasher and I woke up to half clean dishes and a mostly empty hot water tank (would have been really useful for flushing toilets!).

Oh and buddy up to your neighbor with a gas chainsaw if you don&#039;t have one.  Only your neighbors will be around to help you get that huge tree out of your street/driveway afterwards.  Also useful for zombies as mentioned before.]]></description>
		<content:encoded><![CDATA[<p>Lots of good stuff here, I&#8217;d just add two:</p>
<p>Those bottle hand sanitizers, I wish I&#8217;d bought a boxful.  We just got water back from Ike today and not being able to wash your hands is incredibly frustrating.</p>
<p>If it&#8217;s something like a hurricane where you have days worth of notice (a rare luxury, I know), go ahead and do all your laundry well before hand.  I was lending out clothes to friends because I had everything clean ahead of time.  Unfortunately we waited a bit too long to start the dishwasher and I woke up to half clean dishes and a mostly empty hot water tank (would have been really useful for flushing toilets!).</p>
<p>Oh and buddy up to your neighbor with a gas chainsaw if you don&#8217;t have one.  Only your neighbors will be around to help you get that huge tree out of your street/driveway afterwards.  Also useful for zombies as mentioned before.</p>
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		<title>By: Jade</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381794</link>
		<dc:creator>Jade</dc:creator>
		<pubDate>Sat, 27 Sep 2008 03:57:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381794</guid>
		<description><![CDATA[As far as insurace goes... I know this sounds crazy but I live less than a mile from a major earthquake fault and they predict that we&#039;ll have a 7.0+ quake on it anytime now. And despite that, we don&#039;t have earthquake insurance. Waste of money really when you have a house covered in plywood and it&#039;s anchor bolted to the foundation. The premiums are twice that of your usual fire insurance, and the deductibles are sky high. 

My dad did a lot of work retrofitting our house and he figures that if we have an earthquake so big that the damage to our house meets the deductible (I believe it&#039;s 300,000 or some insanely high number like that) then the insurance company will have gone bankrupt paying off the claims of all the people who didn&#039;t retrofit and their houses will have been completely demolished. Better to invest the earthquake insurance premiums wisely, maybe it will mean less money to rebuild, but at least you will have the money even if you don&#039;t hit the deductible. Whereas if you bought earthquake insurance, it&#039;s really just a donation to the insurance company.

And with that in mind, if I&#039;m home and our big earthquake hits then I&#039;m grabing my digital camera and taking lots of pictures of the house to prove to the insurance company that the house was still standing after the quake. I suspect that, even though we have fire insurance, if there&#039;s a fire somewhere else after the quake hits and it makes its way to our house then insurance company will try to argue that our house didn&#039;t burn down, it shook down. So I&#039;ll want to take lots of pictures to prove that the house did not shake down, and then bring the camera with me if we have to evacuate.

But yes, we do have fire insurance at least. So whenever I throw a party my dad says he&#039;s not worried about me burning down the house, as long as I don&#039;t shake it down!]]></description>
		<content:encoded><![CDATA[<p>As far as insurace goes&#8230; I know this sounds crazy but I live less than a mile from a major earthquake fault and they predict that we&#8217;ll have a 7.0+ quake on it anytime now. And despite that, we don&#8217;t have earthquake insurance. Waste of money really when you have a house covered in plywood and it&#8217;s anchor bolted to the foundation. The premiums are twice that of your usual fire insurance, and the deductibles are sky high. </p>
<p>My dad did a lot of work retrofitting our house and he figures that if we have an earthquake so big that the damage to our house meets the deductible (I believe it&#8217;s 300,000 or some insanely high number like that) then the insurance company will have gone bankrupt paying off the claims of all the people who didn&#8217;t retrofit and their houses will have been completely demolished. Better to invest the earthquake insurance premiums wisely, maybe it will mean less money to rebuild, but at least you will have the money even if you don&#8217;t hit the deductible. Whereas if you bought earthquake insurance, it&#8217;s really just a donation to the insurance company.</p>
<p>And with that in mind, if I&#8217;m home and our big earthquake hits then I&#8217;m grabing my digital camera and taking lots of pictures of the house to prove to the insurance company that the house was still standing after the quake. I suspect that, even though we have fire insurance, if there&#8217;s a fire somewhere else after the quake hits and it makes its way to our house then insurance company will try to argue that our house didn&#8217;t burn down, it shook down. So I&#8217;ll want to take lots of pictures to prove that the house did not shake down, and then bring the camera with me if we have to evacuate.</p>
<p>But yes, we do have fire insurance at least. So whenever I throw a party my dad says he&#8217;s not worried about me burning down the house, as long as I don&#8217;t shake it down!</p>
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	</item>
	<item>
		<title>By: JReed</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381702</link>
		<dc:creator>JReed</dc:creator>
		<pubDate>Fri, 26 Sep 2008 23:15:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381702</guid>
		<description><![CDATA[Replacement cost insurance...it runs @ 100 more per year but it will replace what you had without depreciation.]]></description>
		<content:encoded><![CDATA[<p>Replacement cost insurance&#8230;it runs @ 100 more per year but it will replace what you had without depreciation.</p>
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	<item>
		<title>By: Frank Schulte-Ladbeck</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381683</link>
		<dc:creator>Frank Schulte-Ladbeck</dc:creator>
		<pubDate>Fri, 26 Sep 2008 22:27:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381683</guid>
		<description><![CDATA[I see others from Houston have stopped by. I was surprised at how many people were unprepared. I know someone thought it strange that I saved some tubs of water for the toilets (we lost water pressure here for awhile) and cleaning. The other item which seemed to be in great demand after the hurricane was coolers. I kept one set of items in a cooler that I left closed, and another in my daily use cooler. Finding ice was hard, but afterwards, people had no where to store it.]]></description>
		<content:encoded><![CDATA[<p>I see others from Houston have stopped by. I was surprised at how many people were unprepared. I know someone thought it strange that I saved some tubs of water for the toilets (we lost water pressure here for awhile) and cleaning. The other item which seemed to be in great demand after the hurricane was coolers. I kept one set of items in a cooler that I left closed, and another in my daily use cooler. Finding ice was hard, but afterwards, people had no where to store it.</p>
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	<item>
		<title>By: DaveOR</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381654</link>
		<dc:creator>DaveOR</dc:creator>
		<pubDate>Fri, 26 Sep 2008 21:15:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381654</guid>
		<description><![CDATA[A note on storing gasoline.

Much of the country has upped the % of ethanol and many small portable engines;generators, mowers, chainsaws.. have developed problems with gas that is stored or left in them for even a relatively short period of time - a couple months.
The problem is that small plastic parts - fuel lines, filters, tanks &amp; carbs decay.  This not the myth that lower levels had initially.  I know a couple of people who tried to have their tools repaired and the shop said buy a new one, too many parts were damaged.  Even gas treatment, specifically for storage, is not as effective as in the past.  Either run it dry or consider using coleman fuel / white gas, it is more pure and doesn&#039;t break down - I know that some fire departments do this as they have equipment that may sit for some time between uses.

Again just some info so that all of your preparedness isn&#039;t knocked out by one glitch.]]></description>
		<content:encoded><![CDATA[<p>A note on storing gasoline.</p>
<p>Much of the country has upped the % of ethanol and many small portable engines;generators, mowers, chainsaws.. have developed problems with gas that is stored or left in them for even a relatively short period of time &#8211; a couple months.<br />
The problem is that small plastic parts &#8211; fuel lines, filters, tanks &amp; carbs decay.  This not the myth that lower levels had initially.  I know a couple of people who tried to have their tools repaired and the shop said buy a new one, too many parts were damaged.  Even gas treatment, specifically for storage, is not as effective as in the past.  Either run it dry or consider using coleman fuel / white gas, it is more pure and doesn&#8217;t break down &#8211; I know that some fire departments do this as they have equipment that may sit for some time between uses.</p>
<p>Again just some info so that all of your preparedness isn&#8217;t knocked out by one glitch.</p>
]]></content:encoded>
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	<item>
		<title>By: Georgia</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381536</link>
		<dc:creator>Georgia</dc:creator>
		<pubDate>Fri, 26 Sep 2008 17:21:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381536</guid>
		<description><![CDATA[OOPS.  I intended to mention that I type all this info on the computer, minimize it, copy, and seal in plasticoated sheets.  

I also do this to my personal telephone book.  I don&#039;t plasticoat it, just minimize.  It&#039;s about 8 pages long and it is kept in my purse.]]></description>
		<content:encoded><![CDATA[<p>OOPS.  I intended to mention that I type all this info on the computer, minimize it, copy, and seal in plasticoated sheets.  </p>
<p>I also do this to my personal telephone book.  I don&#8217;t plasticoat it, just minimize.  It&#8217;s about 8 pages long and it is kept in my purse.</p>
]]></content:encoded>
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	<item>
		<title>By: Georgia</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381535</link>
		<dc:creator>Georgia</dc:creator>
		<pubDate>Fri, 26 Sep 2008 17:18:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381535</guid>
		<description><![CDATA[I started carrying, in my purse and car, a plati-coated list containing my naz, ph #, medications, allergies, blood type, and contacts naz &amp; ph #&#039;s.  That way, if my disaster is a crash, emt&#039;s can get my info immediately.

I will start trying to load up on some of these items and make certain my important papers are in one place and protected.  I live in NE MO and am prone to flood areas and tornados.  

Thanks, Trent.

P.S.  I keep telling people about this site.  It has lots of useful info for all types of people.]]></description>
		<content:encoded><![CDATA[<p>I started carrying, in my purse and car, a plati-coated list containing my naz, ph #, medications, allergies, blood type, and contacts naz &amp; ph #&#8217;s.  That way, if my disaster is a crash, emt&#8217;s can get my info immediately.</p>
<p>I will start trying to load up on some of these items and make certain my important papers are in one place and protected.  I live in NE MO and am prone to flood areas and tornados.  </p>
<p>Thanks, Trent.</p>
<p>P.S.  I keep telling people about this site.  It has lots of useful info for all types of people.</p>
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	<item>
		<title>By: Lucky</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381480</link>
		<dc:creator>Lucky</dc:creator>
		<pubDate>Fri, 26 Sep 2008 15:06:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381480</guid>
		<description><![CDATA[Why did my comment get blocked?  Perhaps you thought I was spamming or trolling, so allow me to present my comment in a less interpretable and entirely link-free manner.

Canned bacon is funny and, for some, a reasonable survival supply to have on hand.  Bacon, like candy, is a morale booster.  

Zombie preparedness is a joke, son.  Those of us who want to be prepared, but don&#039;t want to feel like crazy survivalists, sometimes refer to our supplies as our Zombie Survival Gear.  It&#039;s funnier than &quot;Worst-Case Stuff.&quot; 

Bug Out Bags are a darn good idea, and I&#039;m surprised you didn&#039;t mention them in your article.

Come on guys, the surviving the apocalypse doesn&#039;t have to be a drag...]]></description>
		<content:encoded><![CDATA[<p>Why did my comment get blocked?  Perhaps you thought I was spamming or trolling, so allow me to present my comment in a less interpretable and entirely link-free manner.</p>
<p>Canned bacon is funny and, for some, a reasonable survival supply to have on hand.  Bacon, like candy, is a morale booster.  </p>
<p>Zombie preparedness is a joke, son.  Those of us who want to be prepared, but don&#8217;t want to feel like crazy survivalists, sometimes refer to our supplies as our Zombie Survival Gear.  It&#8217;s funnier than &#8220;Worst-Case Stuff.&#8221; </p>
<p>Bug Out Bags are a darn good idea, and I&#8217;m surprised you didn&#8217;t mention them in your article.</p>
<p>Come on guys, the surviving the apocalypse doesn&#8217;t have to be a drag&#8230;</p>
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	<item>
		<title>By: karen m</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381478</link>
		<dc:creator>karen m</dc:creator>
		<pubDate>Fri, 26 Sep 2008 15:02:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381478</guid>
		<description><![CDATA[I lived in Charlotte when Hugo hit.  We were totally unprepared.  No cash, gas, food or water! But the thing I needed the most was Hand Sanitizer believe it or not. I had a 6 month old baby in diapers.  In the end, my husband had to prepare the food and I stuck to doing the diapers. Great article and responses, gave me much pause for thought.]]></description>
		<content:encoded><![CDATA[<p>I lived in Charlotte when Hugo hit.  We were totally unprepared.  No cash, gas, food or water! But the thing I needed the most was Hand Sanitizer believe it or not. I had a 6 month old baby in diapers.  In the end, my husband had to prepare the food and I stuck to doing the diapers. Great article and responses, gave me much pause for thought.</p>
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	<item>
		<title>By: jessica</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381437</link>
		<dc:creator>jessica</dc:creator>
		<pubDate>Fri, 26 Sep 2008 13:02:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381437</guid>
		<description><![CDATA[If you have an infant or child, baby supplies are a must. This is where breastfeeding once again proves superior- no need to heat, mix or sterilize anything. The boobie is always safe! In Columbus Ohio my power was out for 4 days and I am thankful to still be nursing my toddler and I didn&#039;t have to worry about whether she was getting adequate nutrition and hydration.

Also, disposable diapers and wipes and plastic bags. If you normally cloth diaper, during a disaster you may not have electricity or water to wash with, yet those babies keep on pooping!]]></description>
		<content:encoded><![CDATA[<p>If you have an infant or child, baby supplies are a must. This is where breastfeeding once again proves superior- no need to heat, mix or sterilize anything. The boobie is always safe! In Columbus Ohio my power was out for 4 days and I am thankful to still be nursing my toddler and I didn&#8217;t have to worry about whether she was getting adequate nutrition and hydration.</p>
<p>Also, disposable diapers and wipes and plastic bags. If you normally cloth diaper, during a disaster you may not have electricity or water to wash with, yet those babies keep on pooping!</p>
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	<item>
		<title>By: reulte</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381436</link>
		<dc:creator>reulte</dc:creator>
		<pubDate>Fri, 26 Sep 2008 13:01:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381436</guid>
		<description><![CDATA[I&#039;m never without my SAPK (Swiss Army Pocket Knife) except when I go to the airport or federal buildings.  Knife, screwdriver (slot &amp; philips), small saw(?) and, of course, a can opener.  Also a cockscrew if you&#039;re celebrating being alive.

I would think that beef jerky or tuna would be an excellent emergency food . . . protein satisfies hunger better and provides more energy.  Plus - it doesn&#039;t require the manual can opener if it comes in packets.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m never without my SAPK (Swiss Army Pocket Knife) except when I go to the airport or federal buildings.  Knife, screwdriver (slot &amp; philips), small saw(?) and, of course, a can opener.  Also a cockscrew if you&#8217;re celebrating being alive.</p>
<p>I would think that beef jerky or tuna would be an excellent emergency food . . . protein satisfies hunger better and provides more energy.  Plus &#8211; it doesn&#8217;t require the manual can opener if it comes in packets.</p>
]]></content:encoded>
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	<item>
		<title>By: michael bash</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381411</link>
		<dc:creator>michael bash</dc:creator>
		<pubDate>Fri, 26 Sep 2008 11:51:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381411</guid>
		<description><![CDATA[As somebody once said (and a huge comment on America) - a manual can opener.]]></description>
		<content:encoded><![CDATA[<p>As somebody once said (and a huge comment on America) &#8211; a manual can opener.</p>
]]></content:encoded>
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	<item>
		<title>By: Sharon</title>
		<link>http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381308</link>
		<dc:creator>Sharon</dc:creator>
		<pubDate>Fri, 26 Sep 2008 06:16:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/09/25/surviving-a-natural-disaster/#comment-381308</guid>
		<description><![CDATA[Save yourself a lot of grief and if you have a generator and gasoline, go to Home Depot or some such store and buy a good, safe gas holder. It will run you about $35. The cheap plastic ones will spill all of the gas if dropped. People have been seriously burned and died. Get the cans with the &quot;dead man&quot; handle that will automatically close if you let go. And when you fill it, put it ON THE GROUND. Otherwise static sparks can build up and cause an explosion. Do not store gasoline in the house or anywhere near a flame source either. And NEVER smoke while handling gasoline.]]></description>
		<content:encoded><![CDATA[<p>Save yourself a lot of grief and if you have a generator and gasoline, go to Home Depot or some such store and buy a good, safe gas holder. It will run you about $35. The cheap plastic ones will spill all of the gas if dropped. People have been seriously burned and died. Get the cans with the &#8220;dead man&#8221; handle that will automatically close if you let go. And when you fill it, put it ON THE GROUND. Otherwise static sparks can build up and cause an explosion. Do not store gasoline in the house or anywhere near a flame source either. And NEVER smoke while handling gasoline.</p>
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