Manage Youtube Subscriptions Besides Insurance, How Can a Business Prepare for a Hurricane?

Any insurance professional will stress the importance of a good commercial policy that includes wind and hail as well as flood coverage in relation to protecting your business from the elements. Case in point is the fact that many stricken by current hurricanes do not even own flood insurance.We won’t get into the implications of damages and losses recovery in regard to this unfortunate set of circumstances. Suffice it to say, in wake of the destruction, these home and business owners have to deal with the financial stress on their own, save for whatever government assistance they can get.Besides having a proper insurance plan in place, businesses can prepare for the worst weather scenarios by doing the following.Review your company’s impact study:


• Make a tally of what type of losses you may incur.• Consider the amount of risk loss and severity probability that may impact your business.• Look over your business process flow agenda: Should one portion of your company become unworkable, assign another unit to take over.• Choose which operations are vital for continued survival and recovery.• Ensure all records of sales and customer-base, as well as tax data and documents are stored in a secure off-site location.• Assign others to take over executive management if those in place are not able to carry out duties.Partner with Other Businesses• Have vendors ready to outsource services in case of a hurricane disaster.• Mark down important vendor and business partners and store this info in an off-site multiple employee-accessible location.Make Alternate Plans for your Facility• Contemplate the use of other locations in the event your main office is rendered inaccessible or inoperable.• Plan for security of people and property.Ensure Payroll Efficiency• If it is pertinent, ensure the vendors you will deal with understand how to continue with payroll.• Partner with your vendors to ensure employee info is stored securely in an off-site location.Team up with Other Operations• Group together with other corporations at your building site to prepare for continued business in a weather-induced crisis.


• Reach out to emergency personnel and power companies to show them how you operations are conducted.• Devise a plan together with your suppliers, shippers and others you rely on so that you will know how to carry on in the event of an emergency.Keep Up with Your Protection Plans• Review your plans on how to deal with an emergency situation yearly. Revise them if you feel changes need to be made.• Conduct consistent emergency drills.Risk control is part of any major insurance company’s policyholder’s benefits. Contact an independent agency that does direct business with many of the leading providers for more information on how your company can protect itself from a hurricane or other natural disaster.

Bold Money Conversations That Can Change Your Life

I recently returned from Kendall SummerHawk’s Feminine Money Mastery event, where women from all around the globe (and a few cool guys as well) gathered to improve their relationship with money. One of the most interesting aspects of this conference for me was learning to identify where we need to have “courageous money conversations” in our lives. These conversations are the ones we often avoid, as they bring up all sorts of disempowering money beliefs. We discussed how to make these conversations a routine practice and give them a methodology so that they aren’t as daunting to embark upon.

Powerful conversations can follow a format that eases some of the tension. Follow these steps and engage in, rather than avoid, the money talks that change your life.

1. Take a moment before the conversation to breathe and set your intention for the way you want the discourse to go. Decide on the outcome you want ahead of time and be very clear in your own mind before the other person is present.

2. Be free from emotion and set the agenda with the other party. Inform them as to the reason for the discussion, the outcome you desire, and the discussion points you plan to cover.

3. Stop and listen. Make sure the other party has a chance to say their piece and that they know you hear them. Repeat back and summarize their ideas – whatever you can do to establish that you understand what they are saying.

4. Offer several options for resolving the situation in various ways, if at all possible.

Find agreement, even if it’s to go to another decision-maker, and detail the subsequent steps, including who will do what, by when. Be sure to close the conversation positively.

After returning home from the conference, I immediately put this methodology to use and had two such conversations. I have been breathing a sigh of relief ever since! While it is important to take on these conversations under any circumstances, if you are intent on making a career shift or growing your business, this is a skill that is especially helpful and will pull you forward dramatically.

When you avoid courageous money conversations, you can be inadvertently sabotaging your own success. For example, a mom was recently telling me about her daughter, who has a job she loves. She is appreciated by her employer, coworkers, and customers, and received a promotion four months ago. She has not, however, received a salary increase to go with the promotion. Instead of having the conversation that needs to be had about the salary increase, she decided to look for another job. Objectively, this seems ridiculous, but she is so averse to having the necessary salary conversation that she has created a story in her head about what this all means and is taking a somewhat misguided action in response. For her, she believes it may actually be easier to land a new position than to have a money conversation where she would be championing her value to the company.

Similar to this case, when I work with clients, I often see two primary challenges:

1. Putting a voice to owning their value, and believing it as well. Examples include stating their fees, saying no to a discounted fee, or negotiating their salary.

2. Speaking honestly about an issue that makes them feel vulnerable. For example, discussing business plans with a spouse or renegotiating a loan they are having trouble paying.

Of course, taking a stance for your money will feel awkward at first. However, once you get a few of these conversations under your belt, you will be looking ahead for the next one! It’s about building a muscle over time that will increase your power across the board. Don’t be afraid to jump in headfirst – I promise you will be glad you did.

Michelle is the CEO and founder of Limit Free Life®, a coaching and personal development company designed to help clients discover and transition into careers or business ventures that satisfy their souls. As a former CPA, business consultant and now a certified business coach,she combines a strong background in finance and transition management with an intuitive coaching style.