The prevalence of major catastrophes such as tornadoes, floods, hurricanes, and earthquakes drive home the point that personal catastrophe planning is an essential part of any personal risk management program.  Catastrophes, whether natural or man-made, can strike individuals and families at any time without warning.  You should develop a comprehensive disaster plan that addresses the [...]

 Yesterday, Daviess County, Kentucky schools were closed for flooding. Yes, I said, flooding. With more than 60 roads in our county covered in water like this or worse (some you can’t even see the yellow lines!!), the school bus drivers were struggling to find a way to get the kids to school.  We haven’t seen the flooding this bad in [...]