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cover of episode Disaster-Resistant Finances: What to Do Before and After Catastrophes

Disaster-Resistant Finances: What to Do Before and After Catastrophes

2025/1/15
logo of podcast NerdWallet's Smart Money Podcast

NerdWallet's Smart Money Podcast

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C
Caitlin Constantine
K
Kate Bulger
S
Sean Pyles
作为 NerdWallet 的《Smart Money》播客主播,Sean Pyles 提供了深入的财务和保险知识,帮助听众做出明智的财务决策。
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Sean Pyles: 我关注气候变化对个人财务的影响,特别是自然灾害带来的风险。我们制作了一系列节目探讨气候变化对财务的影响,其中一集专门讨论如何为自然灾害做财务准备。 气候变化导致自然灾害的发生频率和强度增加,这会对我们的财务状况造成重大影响。我们需要做好准备,因为自然灾害可能导致信用评分下降、债务增加、破产等一系列问题。中等规模的灾害有时比大型灾害的影响更严重,因为它们可能得不到足够的关注和救济资金。 我们需要从积极的角度看待这个问题,不要陷入悲观情绪。我们需要为未来做好准备,即使面临灾难,生活仍在继续。我们需要为灾后重建做好准备,同时也要关注个人可以采取的行动,例如联系代表、投资可持续发展企业等。 Caitlin Constantine: 气候变化导致自然灾害的发生频率和强度增加,对个人财务造成重大影响。我们需要做好准备,因为自然灾害可能导致信用评分下降、债务增加、破产等一系列问题。 制作家庭财产清单是灾难财务规划的第一步,即使是租房者也应该这样做。可以使用手机或摄像机拍摄家庭财产视频,作为灾后理赔的证据。对于贵重物品,建议保留购买凭证。可以电子方式保存重要物品的收据。 安全保存财务清单,避免因灾难导致信息丢失。定期拍摄账单和支付凭证,并将其存储在云端。可以将纸质财务文件放入密封袋中,妥善保存。建议储备一定数量的现金,以备不时之需。储备现金应注意安全,避免随意花费。建议储备足够的现金,用于灾后补充食物和汽油。 除了房屋保险外,还应考虑购买洪水保险等其他类型的保险。建议定期联系保险公司,了解保险范围。储蓄是应对灾难最重要的准备措施之一,同时了解债务的减免政策也很重要。建议减少信用卡债务,并了解抵押贷款、信用卡和汽车贷款等债务的灾后援助政策。灾后拥有足够的信用额度可以帮助渡过难关。保持良好的信用评分有助于获得灾后贷款。 即使面对系统性挑战,个人仍然可以通过多种方式影响改变。个人可以通过联系代表、投资可持续发展企业等方式参与气候变化应对。个人行动虽然无法解决所有问题,但仍然可以影响系统性变化。个人可以通过行动和选择影响气候变化应对。 Kate Bulger: 大多数人对自然灾害的财务准备不足,低估了所需资金和风险。人们普遍缺乏灾难预案,例如了解保险费用、免赔额以及灾后基本生活费用的储备。人们倾向于回避思考灾难的可能性,这部分原因是人们面临着许多其他财务压力。为自然灾害做准备不应仅仅依靠个人努力,还需要雇主、地方政府等多方参与。 灾后首先应联系保险公司,然后是联邦紧急事务管理署(FEMA)。填写FEMA申请表可能很复杂,如有需要应寻求帮助。灾后寻求帮助非常重要,不要因申请流程复杂而延误救济。灾后应联系债权人,了解其提供的援助计划。建议将灾后援助信息存储在手机等便携设备中。灾后可以寻求银行、FEMA救灾中心以及地方政府的帮助。灾后政府通常会设立长期救灾工作组,提供长期援助。 灾后应妥善保存税务相关的文件和凭证,以便申请税务减免。政府提供多种税务减免计划,需提供相关证明材料。保存灾后恢复相关的收据,可以申请政府的灾后资金补偿。灾后要警惕诈骗,避免上当受骗。灾后要警惕冒充政府机构或保险公司人员的诈骗。不要向自称政府工作人员或保险公司人员索要现金的人付款。遇到可疑人员,应核实其身份。要仔细审查与承包商签订的合同,避免被额外收费。选择信誉良好的承包商,避免因施工质量问题造成额外损失。

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Shownotes Transcript

Learn how to prepare financially for natural disasters with practical tips on planning, saving, and post-disaster recovery.

How can you financially prepare for a natural disaster? What should you do to recover financially afterward? Host Sean Pyles and NerdWallet insurance writer Caitlin Constantine discuss the financial impact of climate change and share actionable strategies to prepare for and recover from natural disasters. They begin with practical tips for disaster preparedness, including creating a home inventory, saving for emergencies, and understanding insurance coverage. 

Then, Kate Bulger, senior director of business development for nonprofit financial counseling agency Money Management International, joins Caitlin to discuss post-disaster recovery strategies. They explore how to work with insurance companies, access FEMA and other financial assistance programs, and avoid common scams in the aftermath of disasters. 

Where to turn when a natural disaster upends your finances: https://www.nerdwallet.com/article/finance/where-to-turn-when-a-natural-disaster-upends-your-finances

What is FEMA and what can it do for you? https://www.nerdwallet.com/article/finance/what-is-fema

To stay informed about how the Los Angeles fires and other developing news events could impact your wallet, follow NerdWallet’s financial news hub: https://www.nerdwallet.com/h/news/financial-news

In this episode, the Nerds discuss: disaster preparedness, financial disaster recovery, home inventory checklist, how to prepare for natural disasters, emergency savings tips, disaster insurance, FEMA disaster assistance, post-disaster financial aid, saving for emergencies, how to avoid disaster scams, natural disaster financial planning, insurance coverage for disasters, disaster loans, flood insurance tips, tornado financial preparation, wildfire emergency planning, disaster recovery strategies, financial counseling after disasters, emergency cash reserve, how to protect finances in disasters, Small Business Administration disaster loans, keeping financial records safe, Project Porchlight, natural disaster credit card tips, budgeting for disasters, disaster financial checklist, avoiding insurance scams, rebuilding finances after disasters, climate change financial impacts, emergency financial preparedness, disaster recovery centers, handling financial trauma, managing finances after a flood, and disaster readiness tips.