The Mayan calendar is supposed to end next week and that has led some to believe we're on a countdown to a global apocalypse.
One gambling website, MyTopSportsbooks.com, puts the odds of the world ending on Dec. 21 at 300 million to 1. But that's not keeping some believers from stockpiling food and preparing to flee urban areas.
Whether you fall into that camp or are decidedly more skeptical, being prepared to ride out everything from a worldwide cataclysm to the aftermath of a hurricane begins with getting one's finances in order.
"Before the disaster strikes is the time to start getting prepared, in terms of financially getting yourself out of debt and establishing some savings and supplies," says Arthur Bradley, a NASA engineer and author of the "Handbook to Practical Disaster Preparedness for the Family."
But clearing out the liabilities on one's personal balance sheet is only the beginning.
A severe-enough calamity could render the banking system inaccessible, something for which many Americans aren't prepared, says certified financial planner Louis Scatigna.
Scatigna, who lives in Jackson, N.J., saw firsthand what that could be like after Superstorm Sandy left much of the Jersey Shore without power for weeks, effectively shutting down ATMs, many stores and gas stations.
"It was a real good dry run for something that could be substantially bigger in the future," Scatigna says.
Here are six tips on how to prepare financially to make it through the next major disaster, short of the world coming to an end:
1. KEEP CASH AT HOME
In a severe economic disruption, access to credit or investments may not be available. Stocks may suddenly drop in value. Lenders may reduce or eliminate credit lines overnight, as many borrowers discovered in the aftermath of the 2008 financial crisis.
"Your money is just bytes in a computer," Scatigna says. "It's very, very important for people to have cash on hand."
How much? That's an individual choice. Bradley recommends $1,000, in $20 bills, so that it's easy to make change.
2. GET OUT OF DEBT AND BEEF UP SAVINGS
A mortgage, car payments, credit cards, medical bills – they all limit the amount of money one can set aside for an emergency, whether it be a job loss or something worse. Start by slashing credit card debt and only use plastic if you're going to pay off the bill each month.
Bradley recommends gradually setting aside enough money to cover all expenses for six months. That cushion can be a life-saver if you lose your job and end up being unemployed for several months, as it typically takes far longer for people who have been out of work for six months or more to find another job. About 40 percent of all jobless workers are so-called long-term unemployed, according to the Bureau of Labor Statistics.
Having trouble saving money? Cut down on expenses like dining out, brown bag your lunch at work and use coupons.
3. STASH SOME GOLD AND SILVER
Many investors have put their money in precious metals in recent years as a hedge against the declining value of the dollar. When the value of the dollar declines, gold prices rise.
That's fine as an investment, but in the event of a major financial crisis, experts say it might be difficult to cash that in.
So they advise that anyone who is very concerned that the dollar could decline dramatically look into owning some actual gold and silver.
The coins can be purchased from many dealers, but expect to pay a 6 percent premium on gold coins and a 10 percent markup on silver coins, Scatigna says.
Also, it's important to have a mix of gold and silver coins because, in the event of a dire emergency, silver coins can be traded for less expensive items.
4. SET ASIDE SOME ITEMS FOR BARTERING
Take stock of items around your home that could be valuable to others in an emergency situation.
These can include goods like food, water and medicine, and also liquor, coffee, chocolate, candles and batteries. In the aftermath of a severe storm, you may be able to barter for necessary goods and services.
5. BUY SUPPLIES NOW, OR PAY A LOT MORE LATER
Ask anyone in the aftermath of a hurricane how much a bottle of water or a gallon of gas cost. Disasters drive demand and prices for critical goods higher. So the best way to save money is to prepare well in advance, but gradually.
Scatigna sees purchasing supplies like a filter to purify water as an investment, particularly at a time when savings accounts are earning little or no interest.
He also recommends buying extra cans of food each trip to the grocery store.
"Converting assets that will do nothing for you in a super crisis into real assets that will sustain you is the smartest thing people can do with their money if they believe that the future is going to be volatile," Scatigna says.
6. KEEP END-OF-THE-WORLD CONCERNS IN PERSPECTIVE
Perhaps the best way to be prepared for the worst is to remain grounded about end-of-the-world scenarios.
The biggest disaster many are likely to face would be the loss of a job. And many workers who fear the automatic government spending cuts from the fiscal cliff may feel their anxiety rising.
So evaluate your savings and have your records in order. If the time comes, you'll be able to determine which expenses you can cut quickly.
And be wary of locking up too much of your money in illiquid investments if you're concerned about your job.
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According to the <a href="http://www.hornady.com/ammunition/zombiemax">Hornady</a> website , its Zombie Max ammunition and Z-Max bullets are “proven”—“Have you seen a zombie?” the text says, by way of backing up this claim. The site also has a disclaimer asserting that these live ammunition bullets are only for zombie use—never on human beings, plants, vegetables or minerals. The idea came from Hornady President Steve Hornady, who is a fan of zombie movies and TV shows. Earlier this year, firearms salesman John Murray <a href="http://www.cnbc.com/id/47737718/Bullet_Maker_Sets_Sights_on_Zombie_Killers">explained</a> to CNBC who these bullets are for. “Everybody. They work just like any other bullet, but the tip is green.”
Price: $14.40 per 8 pack paper targets - $99.99 per archery target Zombie targets are available in the cheaper format of paper as well as in the costlier three-dimensional forms for use with bullets or in the case of the one pictured here, with arrows. <a href="http://dmtargets.com/archery-targets/undead-fred-a-zombie-3d-target">Undead Fred</a> is made from self-healing foam to endure numerous arrow wounds from a practicing archer. As with any good horde of TV or movie zombies, the costumes of these ex-living individuals indicate that they come from all walks, with one paper target line featuring a butcher, a socialite and a pizza delivery guy. But across the different brands brands of shooting targets, there is a preponderance of undead clowns, Nazis and terrorist zombies.
Zombie Rifle Axe
The online marketplace Etsy conjures images of precious knitted, felted, and/or quilted products handmade by independent crafters. But the site’s handmade merchandise often runs into the dark, geeky, and gothic end of the spectrum. So it makes perfect sense there’s a corner of Etsy selling handmade zombie-themed items—of course there is. A subsection of the zombie category includes zombie-fighting weapons. What is a rifle axe, you ask? Well, zombies don’t stop coming just because you ran out of bullets, and there isn’t always a Cabela’s nearby. This 3-by-14- inch steel <a href="http://www.etsy.com/listing/101466619/zombie-rifle-axe-standard-version-zombie?ref=sr_gallery_20&ga_search_query=zombie&ga_order=most_relevant&ga_view_type=gallery&ga_ship_to=US&ga_min=100&ga_search_type=handmade">blade</a> from seller Plan B Armory is a backup plan. Or, as the description suggests, “you may forget about your ammo altogether and channel your inner berserker.” Another <a href="http://www.etsy.com/listing/101466619/zombie-rifle-axe-standard-version-zombie?ref=sr_gallery_20&ga_search_query=zombie&ga_order=most_relevant&ga_view_type=gallery&ga_ship_to=US&ga_min=100&ga_search_type=handmade">seller</a> on Etsy offers a $200 “Post Apocalyptic Zombie Bat” in a coffin case and a $136 “Zombie Battle Axe.”
It’s little help to have a weapon in an outbreak of the undead if you don’t know how to use or maintain it, or if you can’t keep nourished when takeout food is no longer an option. If disaster strikes, will you be prepared? The <a href="http://www.zombiesurvivalcourse.com/">Zombie Survival Course</a> in South Jersey teaches post-apocalypse skills such as finding and building shelter and collecting supplies, shooting firearms and a crossbow and how to hotwire a car. Day classes are $179 and weekend classes are $450 per person. In addition, nationwide sporting goods retailer REI is offering survival classes throughout the country (it’s actually its normal free emergency preparedness class with a seasonal zombie theme). The social work department at Michigan State University even offers a zombie survival class called “Surviving the Coming Zombie Apocalypse: Catastrophes & Human Behavior.”
Live Action Obstacle Course
Price: runner fees were $77 - $87 at time of publish You’ve thought about the coming zombie troubles and trained for it long enough. Now it’s time to test your mettle in a real-life zombie-infested environment. <a href="http://www.runforyourlives.com/">Run for Your Lives</a> is a live-action 5K obstacle course taking place over the next few weeks in four rural areas around the country. Runners are given flags that are their “lives,” and if all lives are snatched by zombies, they become undead. Anyone who finishes the course, alive or undead, is admitted to the Apocalypse Party afterward. The Run for Your Lives events are nearing full or sold out, and 18 additional locations have already been added for 2013. Many other independently organized zombie runs, pub crawls, conventions, obstacle courses, and scavenger hunts are scheduled throughout the Halloween season.