Disaster Preparedness



As I watched a YouTube video this morning about the flooding in Nashville, it struck me once again why I am so passionate about my AZPortaVault product – and how I participate in protecting others from being devastated by the loss of their vital documents.  If you have ever visited my website, you will know that as an Insurance Agent for close to 30 years, I have seen it all happen, and I know, first hand that NOT ONE OF US is exempt from experiencing a significant catastrophic occurrence in our lifetime.

Let me ask you a really serious question, “What have you done to protect yourself in the potential loss of your vital documents?  If you have ever had a wallet lost or stolen, you have experienced the nightmare that is to resolve protecting yourself from identity theft and replacement of vital documents.  Can you imagine what it would be like if you didn’t have your items all together and had to quickly evacuate your home?  The time, the cost, the emotional burden?

I am about being proactive and being personally responsible for your life choices; I am also about solutions and resources that I can provide those who support my own professional success.  It is with that thought in mind that I went in search of  a resource that you can access in that same process of being proactive in knowing what to do if/when disaster may strike you and your family.  I hope you will be somewhat relieved to know that fortunately, most important personal records can be replaced. Depending on the document you need, use these links as a starting point.

Note:  This is one of those resources where I am taking it direct from its source and giving full credit to its creator – being, in essence, the vehicle by which you are made aware and your life can be positively impacted by my spirit of belief and my spirit of generosity…

  • Address Change – When you move, be sure to change your address with a few government agencies so that you’ll continue to receive mail and any government benefits at your new location.
  • Bank Records – Financial tips and resources for disaster recovery. (.PDF | requires Adobe Acrobat Reader )
  • Birth, Marriage, and Death Certificates – Get records based on the location of the birth, death, marriage, or divorce.
  • Damaged Money – The Treasury Department will exchange mutilated or damaged U.S. currency.
  • Document Restoration–Fire – The Library of Congress offers information on restoring fire-damaged documents and collections.
  • Document Restoration–Flood – The National Archives offers information on how to care for your flood damaged photos, books, papers and more
  • Drivers’ Licenses and Vehicle Registration – Find your state’s motor vehicle department to get or replace your driver’s license and register your car.
  • Federal Civilian Personnel Records – Go to the National Archives for guidance on requesting personnel records for former federal civilian employees. Current federal workers can get personnel records from their Human Resources office.
  • Green Card Replacement – Get instructions on how to replace a lost, stolen, or damaged permanent resident card (green card).
  • Medical Information Form – Download a form where you can record medical conditions and other health information for use in an emergency situation.
  • Medicare Card Replacement – How to replace a lost, stolen or damaged Medicare card
  • Military Service Records – How to get copies of military service records, to prove military service or for genealogy research
  • Passport – Lost or stolen passports should be reported immediately. Contact the nearest U.S. embassy or Consulate if your passport is lost or stolen overseas.
  • Savings Bonds Recovery – Cash and replace lost, stolen, or destroyed bonds.
  • School Records – Contact your former school, or the appropriate school district if the school has closed.
  • Social Security Card Replacement – How to replace a lost or stolen Social Security card
  • Tax Return – Request a copy of your federal tax return from the Internal Revenue Service (IRS).

SOURCE:  http://www.usa.gov/Citizen/Topics/Family_Issues/Vital_Docs.shtm

Thank you in advance for being proactive about this information – I would that you spend more of your time enjoying life than being frantic about some unforeseen loss.

Jan Vitale… your investment protector

Vital Enterprises, LLC – – where you can always find great tips, tools and resources about nutrition, vital document storage, disaster preparedness, identity theft, network marketing, networking, and travel…

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Let’s face it – very few of us are immune to bearing a little more weight than is healthy or comfortable for us; others are bordering on obesity and that, my friends, is frightening!  Increasing your knowledge of some of the underlying reasons for weight gain may be as important a use of your time as spending an extended period of time on the treadmill.

Obesity as a Global issue…

Apparently this is a global issue… according to the Hindustan Times (Health) the problem is being recognized and information being offered about three simple areas you can check to determine why you, the health conscious one, are experiencing a gain, when you feel there should be at least maintenance, if not a loss.  You’ve been eating right, exercising, taking supplements and keeping hydrated – but nothing good is happening!

  1. Hypothyroidism – insufficiency of the thyroid hormone responsible for maintaining healthy metabolism.
  2. Insulin resistance – the body’s inability to metabolize glucose.
  3. Basal metabolic rate – the rate at which your body normally burns calories.

Also in the news, Mumbai, May 27, 2010 we find additional supporting reference to the same three issues – one of which notes that hypothyroidism may come as a genetic predisposition, that fortunately has an easy treatment through doses of thyroid hormone.

In this same article, Dr. Panikar is quite outspoken about the fact that obesity is the number one cause of insulin resistance.  So what do we do as a nation… as a community… in our own personal responsibility?  Something as simple as monitoring calorie intake and engaging in a bit more vigorous exercise.

In Canada residents in the community of Belleville are taking up arms against obesity… they declared May 29th through June 4th as health and fitness week!   Applause, applause!

According to the article in “The Intelligencer”, this Canadian town noted that 58 percent of their residents are overweight or obese, and at least 46 percent are just simply physically inactive.   That inactivity converts to an economic burden of an estimated $5.3 billion dollars!

The message that hit home in this particular newsclip was that 50 percent of all cancers are preventable – just through making better lifestyle choices, including being more physically active. It is little wonder that the Heart and Stroke Foundation is being proactive in getting people to improve their health… wisely starting with educating the young.

And finally… bringing it home!  My research this morning took me to southeast Missouri, where an Associated Press editorial where the discussion is about a woman who reached a Weight Loss Plateau (WLP) – something that discourages all of us who have worked really hard to shed those unhealthy pounds.  What the young woman in question learned is that our bodies have a natural set point, or ideal weight that battles against us.  Fortunately, the article goes into depth about three techniques that can get you through the discouragement, and shift your body’s belief about what that “ideal” actually is.

  1. Changing your exercise routine so you use different muscles.
  2. Increasing your muscle mass to increase your caloric burn.
  3. Eating more frequently to retain energy through the day.

I trust this article does two things:  First, opens your mind to the seriousness of the problem of obesity and second, offers sufficient information that if you or a loved one deals with this battle – there may be a positive result for you in gaining just one new piece of knowledge; learning one new thing about which you were not aware.

If you want to step into a larger, more personal role about personal wellness, as related to nutrition, you may want to subscribe to the RSS feed on this blog, or… you may want to check out the nutrition section of my website, where you will find an ever-growing collection of articles, books, resources, supplements and general great information that is there to enhance the lifestyle you want to live… through good nutrition!  I have a wonderful gift for those people who are committed to personal well-being – a 145 page Gluten Free cookbook.  Hurry over and claim your copy of this easy to download digital product!

Jan Vitale… your Nutrition Nanny

Vital Enterprises, LLC – – where you can always find great tips, tools and resources about nutrition, vital document storage, disaster preparedness, identity theft, network marketing, networking, and travel…


What if I told you that networking could be a whole lot more fun and a lot easier if you learn to be natural and authentic and show the world just three qualities we are all looking for:  warmth, genuineness and empathy.  Don’t let anyone tell you that you have to work hard at being clever and witty – the simple truth is that positive energy and a friendly approach take away the fear and discomfort you may feel in networking.   Let’s talk about a few tips that will enhance even the lowest level of connecting…

Show Your Enthusiasm

When the first words out of your mouth are either a simple declaration of what you do, or a question about what your new networker does – you are not really inviting someone to make a meaningful connection.  Try to express what you do by showing your passion and purpose in what you do – get them excited with you just by the tone of your voice or the body language you use and make sure to include information about the fun things your day to day activities bring to your life!  Sharing your interests, as well as your career choice, inspires balance in the conversation and in your life and helps you connect with people on a broader level.

Think about it… if you spoke with one dentist and all you got from him was the name of his practice and the school he attended, and then spoke with another one who shared more about the boating he does on the weekends with his family – and you love boating!  Which do you think will have made a more enhanced connection with you.   Which do you think you will more naturally remember – whether he is the better dentist is no longer the issue… it is the natural connection you will have made.

Allow Others Their Moment in the Sun

It is not necessary that you have the floor at all times.  Sometimes you can connect at a much deeper level when you allow others to be all they can be at a networking event.  Sometimes those people give unsolicited advice that you weren’t prepared to receive, but if you do nothing more than make them feel helpful by being appreciative and diplomatic, you will have left a positive impression on what was previously a perfect stranger.  Rather than noting to an excited graphics artist that you already have all your branding under control, and shutting them down, try offering a different type of response, “Thanks for your interesting ideas.  I’ll have to give them some thought.”

There is NO Need to Compete!

You do not attend networking events to be the “best of show!”  Leave that to those who feel compelled to brag – while you engage in the more serious activity of building relationships.  Even if you run into someone who feels inclined to brag – have mercy on them.  Understand that people are there to promote themselves, and if they start bragging – it is a better course of action to understand their need to feel successful and warmly celebrate their success with them.  What an easy way to expand a connection when your response to some bragging is, “That’s has to be exciting for you.  I am impressed.”

Never Feed Into Gossip

The larger the group of people, the more likely you will experience those people who gossip to feel important.  Gossip creates mistrust and you don’t want to spend energy or resources trying to build relationships, only to have them dashed to the ground because someone wonders if you may sometime speak ill of them!  It is easy enough to change the direction of a conversation – and those who see you taking a stand for making that change, will see you as a role model of kindness and integrity; a person with whom they will now trust to connect with.

Dealing With Criticism

Ok, the more you network and the more you connect with people, the more you will be exposed to criticism.  The people who are negative tend to be labeled by others; that is not what you want in your life!  All you have to do to keep this a win/win situation is to share quiet empathy – and in turn allow others to step into a new place… one of being receptive and supportive.  Once again, you get to be the role model – helping those who criticize feel understood and more capable of being empathetic with others.  Those who have watched the interchange will trust you at a deeper level – sensing that if the occasion should ever arise – you would have their back as well.

And,  the most important…

Find some way to remember people’s names!  I have taken a few workshops on this topic – and realize how important it is that you connect the face and the business – only as secondary to the name. There are almost as many “tricks” as there are names to remember so my only suggestion is to find what works for you.  My own is to repeat their names several times during the conversation and when leaving the group, closing my eyes for a second to capture the vision of their face, as I use their name one last time to say my goodbyes.  I have a friend who uses the Cardscan program and frequently will go online and view the photos of a few people he wants to connect with at an upcoming event… just a quick little refresher that does wonders for his ultimate “connecting power.”

I trust these ideas are beneficial to you.  Each little shift we make in our thinking and the way we conduct our networking efforts makes a big shift in the quality of the connections we make at networking events.   Keep in mind… it is all about relationships – go build them!

Jan Vitale… building my business one great connection at a time.

Vital Enterprises, LLC – – where you can always find great tips, tools and resources about nutrition, vital document storage, disaster preparedness, identity theft, network marketing, networking, and travel…

NOTE:  I mentioned CardScan above – it you haven’t tapped into the power of this amazing product in managing your data and keeping your contact information up to date – I want to give you the opportunity to at least make yourself knowledgeable about its benefits.

CardScan Executive Contact Management System


Coffee… you either love it or hate it!  I know of friends who were not allowed to drink coffee as a kid – because her parents believed it stunted growth.  Is this fact or fallacy?  What you can pretty much count on is that from time to time – new studies and new technology will invalidate previous beliefs – and create new ones.  How about a few…

Coffee Consumption Statistics

The National Coffee Association and The Specialty Coffee Association of America conduct annual surveys regarding coffee consumption each year. The gathered data below can be extremely beneficial to anyone wishing to start a business or just have an insight on coffee consumption.

Results of Gathered Data:

  • Nearly 52% of Americans over 18 years of age drink coffee every day.
  • This represents over 100 million daily drinkers.
  • 30 million American adults drink specialty coffee beverages daily; which include a mocha, latte, espresso, café mocha, cappuccino, frozen/iced coffee beverages, etc.

Average Beverage Price:

  • The average price for an espresso based drink is $2.45
  • The average price for brewed coffee is $1.38.

Coffee Cup Consumption per Day:

  • Men drink as much coffee as women; each consuming an average of 1.6 cups per day.
  • Women seem to be more concerned about the price than men.
  • Among coffee drinkers, the average consumption in the United States is 3.2 cups of coffee per day.

Average Cup Size:

  • The average coffee cup size is 9 ounces.
  • 30% of the population drinks coffee occasionally.

Time of day:

  • 65% of all coffee is consumed during breakfast hours
  • 30% between meals
  • 5% with other meals

Preferences:

  • 35% of coffee drinkers prefer black coffee
  • 60% prefer to add sugar and/or cream

Motivations:

  • Women indicated that drinking coffee is a good way to relax.
  • Men indicated that coffee helps them get the job done.

Miscellaneous:

  • The United States imports in excess of $4 Billion worth of coffee per year.
  • Americans consume 400 million cups of coffee per day making the United States the leading consumer of coffee in the world.
  • On an average, 250 Cups of espresso and coffee drinks are sold per day at almost any espresso drive-thru business with a great visible location. (500 cups per day is extraordinary.)
  • Independent coffee shops manage to sell 31% of espresso-based drinks, while the rest is brewed coffee.

There you have it – as a nation we consume more coffee than probably anyone could possibly imagine!  Is coffee your “thing?”  If so, you will want to check out a great gourmet coffee that has been combined with an amazing natural ingredient to create a great-tasting beverage that offers a cleaner, more sustained energy, as well as revitalization for your entire body.
We fittingly call it — Café 2.0!

Jan Vitale,

Vital Enterprises, LLC – – where you can always find great tips, tools and resources about nutrition, vital document storage, disaster preparedness, identity theft, network marketing, networking, and travel…



I have long been an advocate of healthy living – always seeking out products that give me the edge on being personally responsible for making the best nutritional choices.  We all know the damage of sugar on our systems; we also know how difficult it is to counter that “sweet tooth.”  I went in search of a healthy alternative…

I personally turned to the Stevia sweetener once I found the FDA had finally given it the green light, and having compared it to other similar products which did not fare so well in the being fully “healthy” test.  The following is information you may not have that will help you make better sweetener choices for you and your family.  I dug up as many facts as I could – and share them with you here…

What is stevia?
Stevia Rebaudiana is an herb in the Compositae family that grows as a small shrub in parts of Paraguay and Brazil. The glycosides in its leaves make it incredibly sweet, a property that is unique among the nearly 300 species of stevia plants. Stevia has been used to sweeten beverages and medicines since Pre-Colombian times. A scientist named Antonio Bertoni first recorded its usage by native tribes in 1887.

Is Stevia safe?

Yes. Scientific research from around the world was exhaustively reviewed when the makers of SweetLeaf Sweetener® presented their case for GRAS status (a rigorous FDA designation of food safety). An independent group of outside scientists concluded that SweetLeaf Sweetener® met FDA standards for safety. In an unprecedented move to ensure the product’s safety, the makers of SweetLeaf Sweetener® consulted with a second set of independent experts. These scientists confirmed that SweetLeaf Sweetener® met FDA standards for safety. The comprehensive review included studies on toxicity, cancer, reproductive health, long-term use, use at high-volumes, the effects on blood-sugar levels and more. Furthermore, after more than 30 years of high volume use in Japan and other countries, as well as more than a decade of use in America as a dietary supplement, there have been no reported cases of ill-effects. Recent scientific reviews by the World Health Organization (2003 and 2007) support these findings.

What are the benefits of using this sweetener?
It has a delicious sweet flavor and is the only sweetener in the world that is 100% natural, with zero calories, zero carbs and a zero glycemic index.

Where is Stevia cultivated?
Stevia is cultivated primarily in China, but the leaves of SweetLeaf Sweetener® come only from South America. There are other growers scattered across the Pacific Rim. Stevia is also being cultivated in Canada, Israel, Africa, Japan and China.

Where is it manufactured?

I was excited to find that the primary manufacturer in the U.S. is an Arizona owned company!  Its founder, Jim May offers significant credentials, having previously held positions as Vice President of United Healthcare Association (UHA), Inc. and President of the United Dialysis Services (UDS), Inc. Jim has participated in numerous professional organizations and activities, including Director of the Artificial Organs and Transplant program at Good Samaritan Hospital in Phoenix, Executive Director and member of the Board of Directors of the Arizona Kidney Foundation and consultant to the Chief of the government’s End Stage Renal Disease (ESRD) program in Washington, D.C.  He obviously shares my passion for healthy living.

What is the brand name?
SweetLeaf™ is the brand name for the first and only great-tasting, natural, zero-calorie, stevia-based sweetener offered in America. It was first introduced in 1996 as a dietary supplement. Then, after some of the most stringent scientific research on its safety and its unique, ultra-pure formulation, SweetLeaf became the very first stevia-based product to achieve GRAS status. It remains the only stevia-based product with zero calories, zero carbs and zero glycemic index.

What sets SweetLeaf apart from all other sweeteners available today?
It employs a process of extraction that uses only pure water to collect the finest, sweetest parts of the stevia plant. Other companies use chemicals, alcohols or even enzymes that actually change the make-up of the naturally occurring substances.  It has a fresh, clean sweet taste without a bitter after-taste, which is often found in other brands. Finally, the makers of SweetLeaf Sweetener®have been working with the stevia plant for 25 years, so they have decades of experience and a brand name you can trust.

What is the FDA’s position on SweetLeaf Stevia™?

In August 2009, SweetLeaf™ received a “no questions” letter from the U.S. Food and Drug Administration (FDA) in regard to the findings of the FDA expert panel of scientists, which concluded that the whole leaf steviol glycosides with rebaudioside A and stevioside, used to formulate the company’s SweetLeaf Sweetener® extract, are granted Generally Recognized As Safe (GRAS) status.

How has Stevia been used in food applications?

Stevia is used mostly in beverages, but is growing in other food industry applications. First, it has been used as a prepackaged replacement for sugar and artificial sweeteners. Second, it has been used in various food products, including sugar-free versions of Wrigley’s gums, Beatrice Foods yogurts and even Diet Coke. It has also been used in pickles, dried seafoods, fish & meat products, vegetables, condiments, frozen foods, beverages of all kinds, confectionaries and a host of other products.

How sweet is Stevia?

High quality stevia leaves are up to 30 times sweeter than table sugar. The purified extracts of stevia (called glycosides) can be 250–300 times sweeter than table sugar.

Can Stevia replace artificial sweeteners in the diet?
Yes! For the past 30 years other countries have approved the use of Stevia as a sweetener and their populations have integrated stevia into their diet. Stevia-based sweeteners have a nearly 40% market share in some of these countries.

How many calories are in SweetLeaf Sweetener®?
None. And it is also the only stevia-based sweetener with no carbs and no glycemic index.

Will Stevia raise my blood sugar levels?
Not at all. It is ideal for diabetics, weight-watchers and everyone else too!

Is Stevia safe for diabetics?
Yes. SweetLeaf Sweetener® can be a part of a healthy diet for anyone with blood sugar problems since it does not raise blood sugar levels. If in doubt, ask your doctor.

Can Stevia be used in cooking and baking?
Absolutely! Research shows that stevia extracts are extremely heat stable in a variety of everyday cooking and baking situations. Look for the SweetLeaf Sweetener® baking formulation soon!

Where can I buy SweetLeaf Sweetener®?

The company has a store locator at http://www.sweetleaf.com/store-locator – just put in your address and find the nearest Frys, Aj’s, and other health food stores carrying this amazing product; a product that I feel may change how America looks at sugar consumption!

Jan Vitale… the Nutrition Nanny

Vital Enterprises, LLC where you can always find valuable resources for nutrition, disaster preparedness, identity theft, insurance, networking, network marketing, vital document storage and travel.


History tells us that disaster strikes quickly and without warning.

That is our reality, but being the optimists that we are – we tend not to be prepared for any kind of disaster. As a society, we aren’t prepared to evacuate our neighborhoods or be confined to our homes. The question is not asked about what would happen if suddenly our basic services, such as water, gas, electricity, or telephones were cut off? Do we place too much comfort in the fact that local officials and relief workers will be on the scene after a disaster? Do we need to be more proactive and being responsible for our families?

At the end of the day, knowing what to do is your best protection and your responsibility. Learn more about being prepared on my website, Vital Enterprises, LLC. Taking a position of responsibility need not be overwhelming; however, it gets easier once you deal with four basic steps to being prepared for safety and developing a specific plan for your family.

BE Prepared

Learn what the greatest potential risk to your family may be, given your geographic location and the associated demographics. You can simply contact your local emergency management office or your local American Red Cross chapter. A list of those emergency management offices is provided on my website. By learning what your risks may be, you can prepare for the disaster most likely to occur in your area. Learn more by contacting your local emergency management office or American Red Cross chapter. Be prepared to take notes.

BE informed – ask the following:

  1. What kind of natural disasters and/or human-caused or technological disasters can affect your area.
  2. What is recommended to prepare for each kind of possible disaster?
  3. What warning signals are provided, and what are the standards of response to each?
  4. Where do you take pets if you have to move to a public shelter where they are not permitted?
  5. What special provisions are provided for special needs, elderly or disabled persons?
  6. What are the local plans for schools, hospitals and other large industries located in your area?

BE Proactive – Create a Family Disaster Plan.

Knowing what disasters are possible in your area makes it easier to talk with your family and create your own personal plan. Use the following as a sample guideline

  1. Share the information you learned from your local disaster management resource relative to the dangers of fire, severe weather, chemical spills… whatever the issue. Keep the explanations simple but remember the important details.
  2. A disaster is an extremely stressful situation that can create confusion. The best emergency plans are those with a few, easy to follow and simple to understand steps.
  3. If the treats in your area include a variety of disasters, make sure your plan includes steps specific to each type of disaster.
  4. Pick two places everyone is to meet: (1) Right outside the front door in case of a fire emergency and (2) another restaurant or well know establishment close to the home in case you cannot get to your residence.
  5. Determine how you will communicate if family members are separated , which can easily occur – remember, you don’t get to choose what time of day a disaster will happen!
  6. Designate an out-of-town relative or friend to be a central contact and make sure everyone has that person’s name, address and phone number.
  7. Make arrangements in advance for shelter if authorities require you to evacuate. Do you have local shelters? Do you have friends and family?
  8. Know what access routes are available for evacuation situations. What roads may be more likely to be blocked or closed?
  9. Plan in advance the care of your pets.

BE Cautious – Create easy to maintain checklists and contact information sheets.

Include all emergency contact information – during a disaster, there is normally not time to waste in looking up fire, police, ambulance, etc.

  1. Have a set place where this information is readily available to every family member. A laminated copy placed in childrens’  backpacks is a prudent choice.
  2. Teach family members how to turn off water, gas, and electricity at the main switches and valves and create a checklist to make sure none are missed. Painting shut-off valves with fluorescent paint is a good idea, as is attaching the necessary removal wrenches in close proximity to each of these areas.
  3. Have an annual review of your insurance policies to make sure you have adequate coverage – it is not unusual for standard policies to include any kind of “natural disaster” coverage.
  4. Have a scheduled maintenance of smoke alarms.
  5. Make sure you have a fire extinguisher on location and train everyone in the household in its use. In the best case scenario, only adults should handle and use the extinguishers.
  6. Many normal household items can become hazards themselves during certain types of disasters. Assess your home to minimize damage from flying objects, in the case of earthquakes or tornados; electrical, chemical and fire hazards are also easy to identify early on and  require inspections periodically to manage potential hazards.
  7. Maintain emergency supplies and assemble a “disaster supply kit.” Every home should have enough supplies to last at least three days, storing them in sturdy, easy to carry containers – most of which will fit in backpacks or duffel bags left in the trunk of your car.
  8. Maintaining communications can mean the difference between life and death – make sure know where you keep a portable, battery-operated radio or television, and keep a healthy supply of extra batteries
  9. Consider taking first aid and CPR classes – not only are they the basics of safety, they can be fun shared activities for you and your children.
  10. Make two photocopies of all your vital documents. Keep the originals in a safe-deposit box. Keep one copy in a designated place in your home and the second copy should be given to your “contact” friend or relative. You may want to consider the PortaVault product found on my website for easy storage of these vital documents.
  11. Maintain a current inventory of your home, garage and property. Whether written or video taped, include the serial numbers, make and model, physical description and price of purchase, if possible. Store a copy of the inventory away from the home, such as in a safe-deposit box.

BE Responsible – Monitor and Practice Your Plan

Practicing your plan will help you instinctively make the appropriate response during an actual emergency. Life changes, and with that change, it is necessary to review periodically and adjust as may be appropriate Other modifications include:

  1. Replacing stored food and water every six months to ensure freshness.
  2. Test your smoke alarm once a month.
  3. Replace batteries on all emergency items at least once a year.
  4. Replace smoke alarms ever ten years.
  5. Monitor fire extinguishers to test proper pressure, following manufacturer’s instructions for replacement or recharging.

These few tips are just a beginning to understanding and being proactive in responding to disasters. The caveat… be prepared! While this is a broad overview to get you thinking, you will probably want to read future articles will provide a more in depth coverage of specific topics

Jan Vitale, your Investment Protector