In Crisis - 360 Degrees of Financial Literacy http://www.360financialliteracy.org/index.php/Topics/In-Crisis en-US Financial Planning When You Have a Chronic Illness http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Medical-Crises-and-Illness/Financial-Planning-When-You-Have-a-Chronic-Illness http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Medical-Crises-and-Illness/Financial-Planning-When-You-Have-a-Chronic-Illness When you live with a chronic illness, you need to confront both the day-to-day and long-term financial implications of that illness. Talking openly about your health can be hard, but sharing your questions and challenges with those who can help you is extremely important, because recommendations can be better tailored to your needs. Every person with a chronic illness has unique issues, but here's a look at some topics you might need help with as you're putting together your financial plan.

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Thu, 13 Jun 2013 17:39:17 EDT
Are You Prepared If a Natural Disaster Strikes? http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Are-You-Prepared-If-a-Natural-Disaster-Strikes http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Are-You-Prepared-If-a-Natural-Disaster-Strikes It seems as though there's always a hurricane, tornado, earthquake, flood, fire, blizzard, or mudslide happening somewhere in the United States. A storm or other natural disaster could destroy your home, business, or workplace and put you in financial straits, but there are things you can do both before and after the event to help you recover quickly.

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Tue, 14 May 2013 12:11:33 EDT
Organizing Your Finances After Your Spouse Has Died http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Loss-of-a-Spouse/Organizing-Your-Finances-After-Your-Spouse-Has-Died http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Loss-of-a-Spouse/Organizing-Your-Finances-After-Your-Spouse-Has-Died Losing a spouse or partner is a stressful event. Yet, during this time, you must complete a variety of tasks and make important financial decisions. You may need to make final arrangements, notify various businesses and government agencies, settle your spouse's estate, and provide for your own financial security. Fortunately, there are steps you can take to make dealing with these matters less difficult.

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Fri, 01 Jun 2012 17:33:42 EDT
Insurance Concerns of Divorcing Couples http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Divorce/Insurance-Concerns-of-Divorcing-Couples http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Divorce/Insurance-Concerns-of-Divorcing-Couples Divorcing couples face many changes (both financial and emotional), and planning for these changes should take place before the divorce is final. To protect alimony and child support payments, the custodial parent may want to insure the life and the income stream of the noncustodial parent. A noncustodial parent may want to insure the former spouse's life in case that parent dies and custody of the children must change. Life, disability, health, and property insurance policies should all be reviewed and modified or rewritten to reflect the divorce.

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Fri, 22 Jul 2011 01:42:58 EDT
Health Insurance and Divorce http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Divorce/Health-Insurance-and-Divorce http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Divorce/Health-Insurance-and-Divorce Examine your family's health insurance coverage before your divorce occurs. Some divorce decrees stipulate who will pay for health coverage for the other spouse and the children. Neither an employer nor an insurer can deny court-ordered coverage if children are involved. If coverage is not part of the decree, you'll have to scramble for coverage if your ex-spouse is the insured on the family policy. Federal law provides for a court order to secure the children's continued coverage if the noncustodial parent, insurance company, or employer refuses to cooperate. COBRA is another option.

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Fri, 22 Jul 2011 01:39:01 EDT
Flood Insurance http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Flood-Insurance http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Flood-Insurance Your homeowners policy won't cover your home against damage from flooding. For such protection, you'll have to purchase a separate flood insurance policy. from a company that participates in the National Flood Insurance Program (NFIP).

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Fri, 22 Jul 2011 01:38:47 EDT
Fire Prevention and Safety Tips http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Fire-Prevention-and-Safety-Tips http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Fire-Prevention-and-Safety-Tips Taking preventive measures and knowing what to do if there's a fire in your home can save lives. For example, you can install smoke detectors throughout your home (also test them at least twice a year), and plan an escape route so everyone knows what to do and where to meet outside. Practice fire drills with your children. Don't overload electrical circuits, and take care when cooking or when using matches, lighters, and a fireplace or wood stove. Keep a fire extinguisher in your home. If there is a fire, get out first and then call for help.

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Fri, 22 Jul 2011 01:38:42 EDT
Earthquake Insurance http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Earthquake-Insurance http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Earthquake-Insurance What are the chances of an earthquake occurring near your home, and how much damage might it do to your home? Find the answers to these questions before you buy earthquake insurance. Some earthquake insurance covers the loss of your home and possessions and also the costs to minimize further damage after the earthquake. Report any claims to your agent or insurance company, but be patient--many others will also file claims. An adjuster will assess the damage to your home and assign a dollar value to it.

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Fri, 22 Jul 2011 01:38:20 EDT
Disaster Preparedness http://www.360financialliteracy.org/index.php/Tools/Polls/Disaster-Preparedness2 http://www.360financialliteracy.org/index.php/Tools/Polls/Disaster-Preparedness2 Read More »

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Fri, 11 Mar 2011 13:43:21 EST
Disaster Recovery: A Guide to Financial Issues http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Disaster-Recovery-A-Guide-to-Financial-Issues http://www.360financialliteracy.org/index.php/Topics/In-Crisis/Disaster-Preparedness-and-Recovery/Disaster-Recovery-A-Guide-to-Financial-Issues Disasters also take a financial toll. This booklet is written to help you regain a sense of financial balance following a disaster by offering suggestions on steps to take immediately, what to do in the initial weeks and months, and how to begin planning again for the future.

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Fri, 11 Mar 2011 10:06:34 EST