o5 On Flickr Follow o5 Via Mobile Follow o5 On Twitter Find o5 On Facebook Add o5 To Del.icio.us Digg o5 Stumble o5 o5 YouTube Channel Subscribe To o5 RSS Feed Pinterest o5

5 Important Items You Must Include In Your Prepper Kit

There’s been a lot of crazy weather lately and it’s gotten people thinking that the worst that can happen, will happen. From natural calamities to outbreaks of disease, there are a lot of things that can wreak havoc and disrupt our daily lives. This is why it’s really important to establish some sort of plan should a worst case scenario come true. While a plan will definitely come in handy, it’s also useful to know what items you need to have on hand when disaster strikes. Here are five of the most important things your prepper kit should have.

 bugoutbag-300x300

1.       Water

Any prepper kit, or Bug Out Bag, worth its salt should have water. You can go without food for three weeks but if you go without water for three days, you probably won’t survive. Depending on how many people you’re making that bag for, you should have at least one gallon of water per person, per day. Make sure to store your water properly so that it remains potable. If you can get your hands on an effective water purification tool, include that as well. There might be some spots where water, though disgusting, may accumulate and provide you with the hydration you need.

2.       Clothing

Depending on the weather, your survival might depend on the clothes you have. To get an idea of what clothing to bring, pack the way you would for a hiking trip. Make sure you have something to keep you warm and something to keep you cool. Your shoes will also play a big part in your survival. A sturdy pair of boots is always a good idea.

3.       Shelter

If a disaster compels you to get out of the house, you’ll need to find a place to sleep at the end of the day. This is where having some shelter in your prepper kit will be useful. Include a tent, or even just a tarp that will protect you from the elements. Just because your head is covered doesn’t mean you’re already in the clear; a sleeping bag or any surface that acts as a barrier between you and the ground could mean the difference between life and death because the ground absorbs body heat rather quickly.

4.       Food

Three weeks without food is possible but entirely unpleasant. Keep a stash of energy bars and other food items that won’t perish for a long time. Freeze dried meals are also a good idea — if you can find water to hydrate them. Don’t rely on foraging because you might wind up poisoning yourself and unless you’re a skilled hunter, hold off on killing animals.

5.       First Aid Kit

You are most definitely going to need a first aid kit. There are a lot of items that can go into these things but it’s always best to create one for yourself. This way, you’ll know what’s in the kit and what they’re for. Basic kits should have some gauze, an antiseptic, and various medications for minor ailments that may afflict you.

 

Ray Willis is a blogger that shares the latest information on emergency preparedness supplies. He blogs for epswarehouse

Image source

Five Reasons Anxiety Can Keep People From Working

Generalized Anxiety Disorder, or GAD, is a severe mental condition that may render an individual unable to perform his or her normal job duties. Bouts of nervousness and anxious bodily reactions characterize the condition. A person who is suffering from GAD will have problems that are so detrimental to his or her health that working can become impossible.

General Anxiety Disorder

Source

When GAD prevents a person from performing his or her job duties, a disability attorney may be able to help that person to collect Social Security Disability. The following are five reasons that generalized anxiety disorder can keep people from working:

[Read more...]

Work From Home Plans? Think Hard About Your Answer

Work From Home Jobs Are Challenging

Work from home plans in 2014? Take notice.

If you want to work from home, then one of the first things you should do is recalibrate your expectations. There is a certain charm that comes with the decision prior to rolling up your sleeves and actually doing it. If you’re blinded by this charm, it can be difficult making the necessary adjustments for success.

After close to six years of full-time work from home experience, there are some things I hear from hopefuls that immediately send my eyes rolling into the back of my head. With that said, I’m not writing this to discourage you, but to help you set realistic expectations. So if you think you want to pursue this path, first ready yourself for some of the challenges you’re going to face.  

One: You Work Harder.

Before leaving the office environment, you’re probably thinking how great it will be to escape the prying and judgmental eyes of your boss eight to 10 hours per day. For the first couple of days, it is awesome until you realize that no one is there to motivate you into getting things done. And especially if you work for yourself, that can be a scary thing. 

(No work, no eat.) 

Once you come to grips with what is at stake, you’ll find yourself become something of a workaholic as the panic sets in. From there, it becomes quickly apparent that you need more structure and less freedom. Question is: are you the type of person, who can self-provide? Here are some additional tips from Nigel Marsh on work-life balance: 

Two: Your Schedule Gets Tougher To Manage.

In my own business, I’m up to 11 regular clients. Without productivity apps, such as Wunderlist and 30/30, I would be completely lost as to what should come next. When you get to this point, you have to prioritize work by profitability without stamping on the expectations of your agreements. That means more product management skills and more work, even as you make billing arrangements to keep cash flowing in. 

Three: You’re Your Own Boss. (Ha!)

When I first became a full-time freelancer, it was common to tell people what I did and then get that “Lucky you” look as they said, “You’re your own boss now!” Ha! Leaving the office environment took me from one boss to several. You have to be careful when marveling at your newfound freedom. Get too proud of yourself, and you won’t put the customer first. That leads to shoddy work, fewer clients, and lower income.

Four: Your Loved Ones Just Don’t Get It.

When people find out you work for yourself (or from home), they’ll start thinking your schedule isn’t as important as when you worked in an office, when it’s actually more important. I can’t tell you how many times friends and family have acted bothered — whether they’re joking or not — that I didn’t answer my phone at 10 a.m. or 2:30 in the afternoon. 

In Summary

You’re going to learn a lot when you work from home, and you won’t like everything you discover. Still, the flexibility and empowerment is worth every extra moment you spend working. If this is your dream for 2014, set realistic expectations and plow forward, full-steam-ahead.

[Image via Flickr Creative Commons]

4 Financial Decisions You Can’t Afford To Put Off In 2014

Financial Decisions Not To Put Off In 2014

We’re now just two weeks in to the New Year. By now, most resolutions have crashed and burned into a fiery mess of disappointment and inaction. However, there’s still time to turn things around. One resolution, in particular, that needs your attention: finances. Here’s what you can’t afford to put off in the weeks ahead:

Life Insurance

If you’re in the 18 to 35 demographic, and you’ve yet to sign up for a whole life insurance policy, what are you waiting for? It gets more difficult to qualify for coverage as you get older and health issues arise. Buy in now, and you can get significant coverage at affordable rates. It doesn’t matter if you’re single and without children. If you plan on having a family one day, now’s the time to set the wheels in motion, and earn cash value in the process.

Controlling Healthcare Costs 

The Affordable Care Act (ACA) has been a troubled experiment in government-run healthcare, and the current numbers aren’t very encouraging. According to Businessweek, the dominant buyers thus far have been older individuals and women — two groups historically expensive to insure. Furthermore, more than 79 percent of sign-ups are eligible for subsidies, leaving 21 percent (mostly middle class families) to make up the difference.

If you can get ACA subsidized, then it can help defray out-of-pocket expenses, but if costs continue going up, don’t count on the subsidies to be around forever.   

In 2014, you can fret over this trajectory, or you can take proactive steps for controlling healthcare costs. For many, that means purchasing catastrophic health insurance plans or jacking up deductibles to afford premiums, then negotiating with hospitals to pay normal check-ups out-of-pocket. While you’re at it, don’t forget to eat healthier and exercise four to five days per week. Healthy living is one of the best things you can do to keep down costs.

Setting Up An Estate Plan

If you want to ensure your loved ones are taken care of when you’re gone, then make sure you’ve got an estate plan. First, create a will that details your financial wishes. Then, decide whether a living trust is right for you. Trusts can protect your assets while still making them available to you while living. Next, make sure that you have an advanced medical directive in place to detail your wishes should you become incapacitated as the result of an accident. Finally, choose an executor and a medical power of attorney that you can trust to fulfill your last will and testament. For more on setting up an estate plan, here’s the first in a 15-part series that’ll help you get started: 

 

 

Updating Beneficiaries

Have an estate plan, retirement account, and/or life insurance plan in place? Don’t forget to revisit your beneficiaries on a regular basis. Life circumstances change. You get married, divorced, have children — wherever you’re at and whatever you’re going through, make sure your financial plans are always reflective of your true wishes.

In Summary

New Year’s Resolutions can be hard to keep 365 days out of the year. But it doesn’t require 365 days to do all you need to do for financial peace of mind. Get your affairs in order today because you never know what tomorrow might bring.

[Featured Image via Flickr Creative Commons]

10 Things Every Man Should Have

A previous article on o5 itemised the 10 things every woman should have, and it seems only fair that a similar article focusing on the 10 items that every self-respecting man should have be prepared too. So here’s the list … here are 10 items, listed in no particular order, that every man should have.

[Read more...]

7 Types of Annoying Facebook Friends

Image Source: Wikimedia Commons

Image Source: Wikimedia Commons

Facebook – everyone has at least one account and it’s a great way to keep in touch with friends who have moved to other countries, relatives who you don’t see often, classmates, former officemates  - basically everyone! Facebook users log into the website at least once a day - to update their status, to check their friends’  status, to read messages – however, that is no longer the case.

Recent surveys show that there is a decrease in usage amongst Facebook users (teens in particular). Researches attribute this to the proliferation of other social networking sites such as Twitter and Snapchat. Others find that Facebook has become exceedingly boring; others have had it with Facebook’s constant privacy changes; while others – probably just can’t be bothered. However, one other (unspoken) reason why people are no longer as excited about Facebook is because the site has become the hangout of annoying friends.

[Read more...]

Credit Card Traps to Watch Out For

Image Source: Wikimedia Commons

Image Source: Wikimedia Commons

As the Silly Season (meaning Christmas) approaches, you will most likely find yourself using that little plastic card more often than you would wish. There are Christmas cards to mail out, gifts and gift wrappers to buy, parties to prepare for, food to cook, tree to decorate … the list just goes on and on and on.

After Christmas, that’s when you’ll be inundated and tempted by credit card promotions such as Balance Transfers, No Annual Fees, and other enticing offers. Although some of these offers can really help you with your finances, you still have to read the fine print before signing on the dotted line otherwise, you might find yourself falling into a bigger debt trap.

So what exactly should you watch out for or be wary of?

[Read more...]

Stay At The ARIA The Next Time You Are In Las Vegas

2012-11-26-512pxAria_CityCenter_Front

Las Vegas has always been known for iconic hotels. A few decades ago, resorts such as the Luxor and the MGM Grand were among the first to thrill visitors, and more recent additions such as the Bellagio and Venetian have continued in that same tradition. However, it appears that Las Vegas may have outdone itself with its latest addition to the Las Vegas Strip – the ARIA Casino.

[Read more...]

Home Inspection Franchises: A Route to Lucrative Self-Employment?

020910_1672_0063_lslp
Image credit

People hire the services of home inspectors for a number of reasons. Often, before purchasing a new house, these professionals are called in to survey the dwelling, looking for structural damage and performing interior and exterior checks. It’s a process that is repeated across the country day in and day out. But few people think of these home inspectors as employees of a multi-million dollar industry. Fewer still would equate home inspection to businesses such as McDonalds, Supercuts and Jiffy Lube. But just like these aforementioned organizations, home inspection offers franchise investment opportunities. [Read more...]