Archive for June, 2011

Help From FEMA

Have you ever wondered what your options were if a disaster were to occur. I have not given it one thought, mainly because I am like many Americans who just believes that it is not going to happen to me. Since we have been in the Emergency Preparedness business we have come to realize that there are many agencies that will help in such crises. Here is the link for your information:

http://www.fema.gov/assistance/index.shtm

This will take you to FEMA’s home page and give you directions and information regarding disasters and recovery. From stress management assistance to housing options this website goes into great detail for you. Hurricane Katrina was a very tragic event for many, but what came from her was an agency that helps individuals cope with the events following a disaster. Some may argue that FEMA is not perfect and that may be somewhat true however, FEMA is better than what we had before.

 

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Emergency Stash of Cash

Are You Concerned With Your Emergency Cash Stash?

An emergency fund is a necessity in these economic conditions. Although many of us feel like we cannot afford to have an Emergency Fund the fact of the matter is that you cannot afford not to have one. According to the experts your ER Fund should be anywhere from 3 to 6 months worth of living expenses. The problem with that statement is that no one defines living expenses. We live in an age of excess so our typical living expenses could be and should be reduced. Living expenses should include house or rent payment, automobile payment, utilities, and food; that is it! (We should get rid of all the nice to have’s and just save for the need to have’s.) It will be tough but it will be necessary and a whole lot easier to save for.

Where should you invest your cash now that you have it? Well it is pretty simple. Don’t! Since it is an emergency fund you will need quick access to it. You do not want to tie it up in any type of timed deposit or risk adverse investment. Earning interest is not the primary objective for these funds ease of access is your concern.  Here is what we suggest:

  1. A Savings Account not at your primary financial institution; you will want online statements and no card access to this account. In fact, you may want to have this account with a place that has a small number of branches.
  2. A Safe Deposit Box not at your primary financial institution; the government does not have a problem with this as long as you pay your taxes. Remember cash is king and as long have it you can be King!

Remember diversification still applies to your emergency fund; you will want to split your reserves into at least 2 different places.

Good Luck and Good Savings!

 

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Are Your Valuables Safe?

We invite you to stop by and visit us to learn more about how we can help you.

8226 S Holly St, Centennial, CO 80122 Map

Call us at (720) 879-7134

Business Hours
Weekdays: 9AM - 6PM
Saturday: 9AM - 2PM
Sunday: By Appointment
24 Hour access available by appointment.

Co-Founder Frank Robinson

Frank Robinson graduated from Boise State University with a degree in Business Administration, emphasis in Human Resources. He also has a Master of Arts in Organization Management from the University of Phoenix. Frank played professional football for the Denver Broncos and Jacksonville Jaguars for 3 years. Learn More...

Co-Founder Stewart Gallagher

Stewart Gallagher graduated from Colorado State University with a Major in Political Science and minors in both Economics and Philosophy.  Over the past 12 years Stewart has worked for 3 major financial intuitions holding various positions from teller to Assistant Vice President-Branch Manager. Learn More...