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Preparing your financial survival kit. Story from Whitby Newsbrief, October 2013 pg 14.  Financial Adviser Richard Myers writes exclusively for residents in Whitby, Pauatahanui, Camborne, Plimmerton, Mana and Paremata...

Natural disasters are unpredictable and in many cases can be life changing. The recent shakes have got us all talking about and actively putting our survival plans in place. And while our main emphasis is on preparing for the immediate survival of our families, for example meeting points, food and water, we shouldn't overlook our financial needs and possible financial issues we might face as soon as we've established that our loved ones in Whitby and beyond are okay.

Be prepared for the fact that banks could be disrupted, limiting access to cash. Government assistance, insurance, and other financial relief may not return you to the financial position you currently enjoy. Ultimately, you'll remain responsible for all your debts and other financial obligations, and as soon as disaster hits, you'll start to feel the pressure. However, it won't hurt as much if you are prepared.

Consider the following tips to help manage your financial situation:

• Make copies of important records and documents and keep them in a secure place, preferably away from your home. Things like credit card numbers, insurance policies, financial records, tax records, loan and mortgage documents, deeds and titles, wills and trusts, prescriptions and medical records, emergency contact lists.
• Some experts suggest using technology, such as digital images to record your financial profile. Combine these images with the documents above, scan them, and store them online e.g. using 'Cloud Space' (online data backup accessible anywhere in the world) or a USB Flash Drive which you could use to store your data and then give to family or friends out of town for safe keeping.
• Compile and maintain a one-page financial contacts list. This list should include the phone numbers of companies you may need to contact, as well as your account numbers.
• Maintain a fireproof and waterproof lockable box or container with important recent financial documents you can quickly grab should you have to flee. Keep some cash in here as well.
• Ensure you have access to cash. Carry your EFTPOS and credit card with you at all times. Build an emergency balance in your cheque or savings account that you can tap into if a crisis hits.
• Review in depth your house and contents insurance policy. Make sure you understand every clause in your insurance policies and understand the likely outcomes if you need to submit a claim.

Have spare keys cut and stored.

Most importantly - do it today and stay safe.