1 00:00:33,120 --> 00:00:38,659 Suze: October 2, 2022. Welcome everybody to the Women and Money 2 00:00:38,659 --> 00:00:42,870 Suze: podcast as well as everybody smart enough to listen. 3 00:00:43,420 --> 00:00:48,069 Suze: Okay before I begin Suze School today, I just want 4 00:00:48,070 --> 00:00:52,970 Suze: to remind everybody. You have only five days left till 5 00:00:52,979 --> 00:00:59,200 Suze: October seven. Does't time pass fast? Only five days left 6 00:00:59,210 --> 00:01:02,740 Suze: for you to be able to open up 7 00:01:02,880 --> 00:01:07,800 Suze: what I call the do Good account with Alliant Credit Union. 8 00:01:07,810 --> 00:01:12,709 Suze: All of you should go to my Alliant A L. L. 9 00:01:12,720 --> 00:01:16,380 Suze: I A N. T dot com slash Good. 10 00:01:17,260 --> 00:01:21,020 Suze: And if you open up a checking account with Alliant, 11 00:01:21,540 --> 00:01:25,950 Suze: all you have to do is deposit $100 right then 12 00:01:25,950 --> 00:01:27,059 Suze: and right there 13 00:01:27,850 --> 00:01:32,410 Suze: And then every single month till the end of February 14 00:01:32,420 --> 00:01:36,959 Suze: which is right around the corner. Just do an electronic transfer. 15 00:01:36,970 --> 00:01:42,610 Suze: It can be for $5 into that account. Then if 16 00:01:42,610 --> 00:01:48,980 Suze: you do that by the end of February 2023 you 17 00:01:48,990 --> 00:01:53,350 Suze: will get $100 in your account from Alliant. 18 00:01:54,740 --> 00:01:58,770 Suze: Alliant will also give one of three charities that you can 19 00:01:58,770 --> 00:01:59,720 Suze: choose from, 20 00:02:00,280 --> 00:02:05,110 Suze: $100 as well. So that's why I call it the 21 00:02:05,110 --> 00:02:08,910 Suze: do good account. There's absolutely no reason you wouldn't want 22 00:02:08,910 --> 00:02:11,090 Suze: to do that at the end. Hey you want to 23 00:02:11,090 --> 00:02:13,190 Suze: take out all your money whatever you want to do. 24 00:02:13,200 --> 00:02:17,110 Suze: It's free for you. So check that out. 25 00:02:17,790 --> 00:02:25,640 Suze: All right Suze School today... topic is are you protected? 26 00:02:25,800 --> 00:02:30,700 Suze: You know, I think it was on September 25. I 27 00:02:30,700 --> 00:02:35,010 Suze: did a podcast and I named it when it happens. 28 00:02:35,010 --> 00:02:38,320 Suze: How will you react? And I was talking about money 29 00:02:38,320 --> 00:02:43,709 Suze: at that time. Today I'm talking about your life. 30 00:02:44,560 --> 00:02:47,340 Suze: It is no secret. It has been all over the 31 00:02:47,340 --> 00:02:54,230 Suze: news that Hurricane Ian did more destruction in the United States. 32 00:02:54,240 --> 00:02:58,910 Suze: Obviously in Florida, South Carolina. Maybe you were affected, maybe 33 00:02:58,910 --> 00:02:59,740 Suze: you were not, 34 00:03:00,470 --> 00:03:05,680 Suze: but it did more destruction than maybe any hurricane out there. 35 00:03:06,330 --> 00:03:10,680 Suze: But what was so sad for me about it was 36 00:03:10,680 --> 00:03:14,100 Suze: that as the hurricane was coming, 37 00:03:15,050 --> 00:03:20,050 Suze: all the forecasters were convinced that it was absolutely going 38 00:03:20,050 --> 00:03:21,530 Suze: to hit Tampa. 39 00:03:22,090 --> 00:03:25,440 Suze: And everybody, all my friends that live in Tampa and 40 00:03:25,440 --> 00:03:31,210 Suze: I contacted them, they were absolutely evacuating, they were scared 41 00:03:31,210 --> 00:03:34,830 Suze: to death. They were preparing themselves 42 00:03:36,230 --> 00:03:38,660 Suze: and then all of a sudden 43 00:03:39,370 --> 00:03:42,020 Suze: hurricane Ian took a turn. 44 00:03:42,600 --> 00:03:46,110 Suze: It really didn't hit Tampa that bag to tell you 45 00:03:46,110 --> 00:03:50,170 Suze: the truth, it took a turn to the right sooner 46 00:03:50,170 --> 00:03:50,920 Suze: than later 47 00:03:51,510 --> 00:03:57,040 Suze: and it affected Orlando and Fort Myers and Sanibel Island 48 00:03:57,050 --> 00:03:58,860 Suze: and on and on 49 00:03:59,710 --> 00:04:04,800 Suze: why that was so sad is that I have many 50 00:04:04,800 --> 00:04:08,490 Suze: friends that have parents in Sarasota 51 00:04:10,250 --> 00:04:11,910 Suze: and they were elderly 52 00:04:12,610 --> 00:04:17,430 Suze: And they really hadn't planned to evacuate because all the 53 00:04:17,430 --> 00:04:21,500 Suze: news was about how it was going to hit Tampa 54 00:04:21,510 --> 00:04:24,390 Suze: and you know when you're older and I remember this 55 00:04:24,390 --> 00:04:27,580 Suze: happening with my mother when she was still alive and 56 00:04:27,580 --> 00:04:32,090 Suze: she was 90 and then 95 and 96 and hurricanes 57 00:04:32,089 --> 00:04:32,919 Suze: would come. 58 00:04:33,560 --> 00:04:37,539 Suze: She would have to leave her place where she lived. 59 00:04:37,550 --> 00:04:41,070 Suze: Obviously it was an independent living facility and also had 60 00:04:41,070 --> 00:04:45,760 Suze: an assistant care facility in it. But they had to leave. 61 00:04:45,760 --> 00:04:49,520 Suze: And it was like where did my mom go, where 62 00:04:49,520 --> 00:04:52,339 Suze: could she go? And they would put everybody on a 63 00:04:52,339 --> 00:04:56,000 Suze: bus and they would take them to some hotel further in. 64 00:04:56,170 --> 00:05:00,670 Suze: But that didn't necessarily keep them safe and sound. One 65 00:05:00,670 --> 00:05:04,110 Suze: year I remember she and my aunt and uncle drove 66 00:05:04,120 --> 00:05:10,010 Suze: all the way to Orlando where my nephew lived and 67 00:05:10,020 --> 00:05:13,550 Suze: they all went there to be safe and sound. But 68 00:05:13,550 --> 00:05:17,349 Suze: it was eight or nine hours in the car that 69 00:05:17,350 --> 00:05:21,920 Suze: really took its toll on them. So after that when 70 00:05:21,920 --> 00:05:24,099 Suze: a hurricane was starting to come, 71 00:05:24,540 --> 00:05:27,930 Suze: they didn't want to leave because it was almost too 72 00:05:27,940 --> 00:05:29,159 Suze: much for them. 73 00:05:29,860 --> 00:05:34,410 Suze: And so there they are you're older, you're not really 74 00:05:34,410 --> 00:05:38,070 Suze: planning to leave. And then all of a sudden the 75 00:05:38,070 --> 00:05:40,620 Suze: hurricane changes direction 76 00:05:41,250 --> 00:05:46,550 Suze: And now they are given 24 hours to leave. 77 00:05:47,440 --> 00:05:48,529 Suze: Where do you go? 78 00:05:49,410 --> 00:05:54,620 Suze: You're in your 90s in your late 80's. Where do 79 00:05:54,620 --> 00:05:58,900 Suze: you go, when all of the highways are already blocked 80 00:05:58,910 --> 00:06:03,229 Suze: with people who are evacuating from Tampa and places that 81 00:06:03,230 --> 00:06:05,599 Suze: were was absolutely going to hit. 82 00:06:06,660 --> 00:06:08,820 Suze: So they stayed 83 00:06:09,680 --> 00:06:11,479 Suze: and then I would talk to my friends and they 84 00:06:11,480 --> 00:06:15,540 Suze: would say Suze, my parents refused to leave. What can 85 00:06:15,540 --> 00:06:18,950 Suze: I tell them. They won't listen to me, they won't 86 00:06:18,950 --> 00:06:22,630 Suze: listen to my siblings. They refuse to go. 87 00:06:24,540 --> 00:06:27,250 Suze: The good news is after it hit 88 00:06:28,450 --> 00:06:32,570 Suze: they're okay. At least one family still isn't being heard 89 00:06:32,570 --> 00:06:33,150 Suze: from 90 00:06:33,690 --> 00:06:36,970 Suze: the one in Cape Coral because there's no connection. There's 91 00:06:36,970 --> 00:06:41,450 Suze: no way they can know. But hopefully they are okay 92 00:06:42,670 --> 00:06:49,810 Suze: now. Even though these families weren't given instructions, they had 93 00:06:49,810 --> 00:06:54,190 Suze: to leave, the question is should they have left anyway? 94 00:06:54,460 --> 00:07:00,460 Suze: What do you do today to protect yourself against the unknowns? 95 00:07:00,660 --> 00:07:05,380 Suze: When do you put things before your own life? 96 00:07:05,810 --> 00:07:08,640 Suze: I mean I was talking to somebody the other day 97 00:07:08,650 --> 00:07:12,360 Suze: and they said I kind of agree with my relative 98 00:07:12,360 --> 00:07:15,370 Suze: that says nope, she's not leaving. She wants to stay 99 00:07:15,370 --> 00:07:19,090 Suze: there to protect her house. And I'm thinking to myself, 100 00:07:19,100 --> 00:07:22,060 Suze: how do you protect your house 101 00:07:22,920 --> 00:07:26,930 Suze: if a hurricane hits you? How do you do that? 102 00:07:27,650 --> 00:07:30,290 Suze: They said, well you would know if a tree fell 103 00:07:30,290 --> 00:07:33,140 Suze: on your house, you would know if your windows broken 104 00:07:33,140 --> 00:07:36,290 Suze: and I'm like. And then what would you do then? What? 105 00:07:37,150 --> 00:07:39,160 Suze: You know a few years ago there was a very 106 00:07:39,160 --> 00:07:43,340 Suze: bad hurricane that was coming straight towards us, not only 107 00:07:43,340 --> 00:07:47,410 Suze: here on the island, but to Florida as well. And 108 00:07:47,410 --> 00:07:49,770 Suze: it was supposed to come in as a five 109 00:07:50,330 --> 00:07:53,600 Suze: and it was supposed to go straight up the coast 110 00:07:53,610 --> 00:07:56,620 Suze: of Florida. And we knew without a shadow of a 111 00:07:56,620 --> 00:08:01,070 Suze: doubt that our island would absolutely be destroyed as well 112 00:08:01,070 --> 00:08:04,300 Suze: as our condo that we live in in Florida. 113 00:08:04,850 --> 00:08:09,350 Suze: So what did we do when we heard that? We 114 00:08:09,350 --> 00:08:12,120 Suze: got on the plane, we went back to the mainland, 115 00:08:12,130 --> 00:08:15,450 Suze: We got on a plane, we went to Chicago. We 116 00:08:15,450 --> 00:08:18,920 Suze: took people with us. We made sure everybody was safe 117 00:08:18,920 --> 00:08:19,760 Suze: and sound. 118 00:08:20,730 --> 00:08:23,060 Suze: It cost a serious sum of money by the way 119 00:08:23,060 --> 00:08:24,090 Suze: to do that 120 00:08:24,750 --> 00:08:27,010 Suze: because there was no way for us to get out 121 00:08:27,020 --> 00:08:30,360 Suze: by flying commercial. Everything had already been booked out. So 122 00:08:30,360 --> 00:08:33,390 Suze: I did a private plane and I took relatives. I 123 00:08:33,390 --> 00:08:36,699 Suze: took friends from the island that didn't know what they 124 00:08:36,700 --> 00:08:39,630 Suze: were going to do. And we took them all to Chicago. 125 00:08:40,090 --> 00:08:45,000 Suze: And while that hurricane absolutely wreaked havoc on the island, 126 00:08:45,570 --> 00:08:49,340 Suze: it didn't touch our condo at all in Florida. 127 00:08:50,309 --> 00:08:53,800 Suze: And then what everybody started to say, God Suze look 128 00:08:53,800 --> 00:08:56,939 Suze: how much money you could have saved if we just 129 00:08:56,950 --> 00:08:58,530 Suze: stayed in Florida. 130 00:08:59,640 --> 00:09:03,110 Suze: And I'm thinking to myself, there's no amount of money 131 00:09:03,120 --> 00:09:06,360 Suze: that I would have risked that for. What if it 132 00:09:06,360 --> 00:09:10,110 Suze: hadn't changed? What if it continued like it was supposed 133 00:09:10,110 --> 00:09:11,100 Suze: to continue 134 00:09:12,070 --> 00:09:14,130 Suze: and that would have done us in. 135 00:09:14,800 --> 00:09:17,450 Suze: So I'm thrilled that we left. I'm thrilled that we 136 00:09:17,450 --> 00:09:19,520 Suze: supposedly wasted that money. 137 00:09:20,210 --> 00:09:23,130 Suze: But the lesson from that for many of the people 138 00:09:23,130 --> 00:09:25,390 Suze: that came with me was see we should have stayed, 139 00:09:25,910 --> 00:09:27,890 Suze: we should have stayed. It didn't hit us. 140 00:09:29,559 --> 00:09:33,809 Suze: I took away from that lesson that whenever I hear 141 00:09:33,809 --> 00:09:37,480 Suze: that a hurricane is coming our way and I know 142 00:09:37,490 --> 00:09:41,050 Suze: it has a great probability of hitting us. I am 143 00:09:41,059 --> 00:09:43,820 Suze: out of here and I'm out of florida and I'm 144 00:09:43,820 --> 00:09:46,870 Suze: somewhere where it's safe and sound, 145 00:09:48,440 --> 00:09:51,309 Suze: but so many times we live our life 146 00:09:52,440 --> 00:09:56,170 Suze: not with that attitude, we go well we should have stayed. 147 00:09:56,440 --> 00:09:57,750 Suze: We could have made it through it. 148 00:09:58,990 --> 00:10:01,090 Suze: I just ask you to look 149 00:10:01,710 --> 00:10:05,160 Suze: really, even though you're not even close to Florida, you're 150 00:10:05,160 --> 00:10:08,630 Suze: not even close to South Carolina, you're not even close 151 00:10:08,630 --> 00:10:12,910 Suze: to anywhere where a hurricane could hit you. Look at 152 00:10:12,920 --> 00:10:14,359 Suze: the devastation, 153 00:10:15,540 --> 00:10:22,540 Suze: the absolute devastation that that hurricane caused in the lives 154 00:10:22,550 --> 00:10:24,140 Suze: of so many. 155 00:10:25,179 --> 00:10:29,770 Suze: What did happen however, which was interesting in Florida is 156 00:10:29,770 --> 00:10:35,440 Suze: that tornadoes started to be spurred from that hurricane and 157 00:10:35,440 --> 00:10:38,700 Suze: on our tv because we kept watching the weather channel 158 00:10:38,710 --> 00:10:41,929 Suze: and it's programmed for the zip code that we live 159 00:10:41,929 --> 00:10:42,930 Suze: in Florida. 160 00:10:43,500 --> 00:10:47,840 Suze: They kept saying tornado, tornado tornado warnings in effect 161 00:10:48,960 --> 00:10:51,780 Suze: and it kept doing it over and over and over 162 00:10:51,780 --> 00:10:52,410 Suze: again 163 00:10:53,260 --> 00:10:55,710 Suze: and I said to KT, there's going to be a 164 00:10:55,710 --> 00:11:00,550 Suze: bad tornado near us. And sure enough in Delray, which 165 00:11:00,550 --> 00:11:02,830 Suze: is very close to where we live 166 00:11:03,390 --> 00:11:10,390 Suze: in Kings Point a tornado absolutely turned over. Cars, destroyed homes, 167 00:11:10,400 --> 00:11:12,980 Suze: it did severe damage 168 00:11:14,580 --> 00:11:19,120 Suze: but then nobody was expecting that in Delray because Delray 169 00:11:19,120 --> 00:11:22,439 Suze: wasn't in the cone of the hurricane. But then we 170 00:11:22,440 --> 00:11:26,640 Suze: never think about the ramifications of what happens when there 171 00:11:26,650 --> 00:11:31,819 Suze: is something like a hurricane coming towards us. Even if 172 00:11:31,820 --> 00:11:36,270 Suze: it's hundreds of miles away now, why am I telling 173 00:11:36,270 --> 00:11:37,339 Suze: you all this? 174 00:11:37,840 --> 00:11:41,929 Suze: I'm telling you all this because it's not just about hurricanes, 175 00:11:41,950 --> 00:11:46,939 Suze: it's not just about tornadoes. It's not just about floods 176 00:11:47,030 --> 00:11:50,630 Suze: that half of the United States has been experiencing or 177 00:11:50,630 --> 00:11:55,110 Suze: fires or mudslides or earthquakes? 178 00:11:56,480 --> 00:12:00,250 Suze: It's about are you protected 179 00:12:00,960 --> 00:12:05,459 Suze: against any of those probabilities from happening to you? 180 00:12:06,070 --> 00:12:10,290 Suze: And when I say protected, it's not necessarily is your 181 00:12:10,290 --> 00:12:13,910 Suze: house strong enough. Do you have an evacuation plan I'm 182 00:12:13,910 --> 00:12:17,910 Suze: talking about? Are your assets such as your home 183 00:12:18,540 --> 00:12:22,709 Suze: and what's inside your home? Is it protected? 184 00:12:23,480 --> 00:12:29,840 Suze: Do you have the proper insurance on your home? Do 185 00:12:29,840 --> 00:12:33,970 Suze: you have the proper renter's insurance if you are renting 186 00:12:34,710 --> 00:12:40,140 Suze: that if for whatever reason you were hit with a fire, 187 00:12:40,150 --> 00:12:46,830 Suze: A tornado? A flood, a mudslide, an earthquake. Would you 188 00:12:46,830 --> 00:12:50,540 Suze: be able to at least recapture the money that you 189 00:12:50,540 --> 00:12:51,480 Suze: have spent 190 00:12:51,640 --> 00:12:54,520 Suze: on the things that are in your rental apartment or 191 00:12:54,530 --> 00:12:58,230 Suze: in your home. Will you be able to claim money 192 00:12:58,250 --> 00:13:01,890 Suze: so that you could rebuild? Not only where you lived, 193 00:13:01,900 --> 00:13:04,640 Suze: but where you might want to live? Could just maybe 194 00:13:04,650 --> 00:13:07,470 Suze: you don't want to live there anymore? 195 00:13:08,130 --> 00:13:10,990 Suze: Are you do you know for sure? 196 00:13:12,020 --> 00:13:15,079 Suze: Have you ever looked at your insurance policies to see 197 00:13:15,090 --> 00:13:19,910 Suze: are you insured for a hurricane for a flood, for 198 00:13:19,910 --> 00:13:23,959 Suze: a mudslide? What are you insured for and what you 199 00:13:23,960 --> 00:13:28,180 Suze: are not insured for? And you need to know? So 200 00:13:28,179 --> 00:13:30,559 Suze: you need to be able to answer the question, are 201 00:13:30,559 --> 00:13:33,209 Suze: you protected, 202 00:13:33,510 --> 00:13:38,030 Suze: What does your insurance policy cover and what does it 203 00:13:38,030 --> 00:13:41,030 Suze: not because I can tell you many of those homes, 204 00:13:41,040 --> 00:13:44,790 Suze: they're not gonna get any insurance? I'm sure many of 205 00:13:44,790 --> 00:13:49,090 Suze: them did not have flood protection because they never imagined 206 00:13:49,429 --> 00:13:51,300 Suze: 1000 year flood happening. 207 00:13:52,270 --> 00:13:57,150 Suze: Did you see Naples, Florida with all those cars floating 208 00:13:57,210 --> 00:14:00,820 Suze: in the water? It's not always the strong winds, it's 209 00:14:00,890 --> 00:14:03,240 Suze: the water, it's the flooding. 210 00:14:04,390 --> 00:14:08,270 Suze: So I talked to you about this because it also 211 00:14:08,270 --> 00:14:13,709 Suze: concerns me, let's just say that you are protected for 212 00:14:13,710 --> 00:14:17,130 Suze: a hurricane. You are protected for flood. 213 00:14:18,080 --> 00:14:21,970 Suze: And now look at the devastation on many of those 214 00:14:21,970 --> 00:14:23,740 Suze: places in Fort Myers, 215 00:14:24,650 --> 00:14:27,690 Suze: you can't even see the home, the home has been 216 00:14:27,690 --> 00:14:32,410 Suze: blown off of its foundation. All you can see is 217 00:14:32,420 --> 00:14:34,840 Suze: nothing remaining there. 218 00:14:35,540 --> 00:14:38,520 Suze: So do you know what was inside your home? 219 00:14:39,160 --> 00:14:41,940 Suze: Do you know the contents of your home? Do you 220 00:14:41,940 --> 00:14:44,740 Suze: know the cost of everything that was in your home 221 00:14:44,850 --> 00:14:49,240 Suze: that you have been paying insurance on for the contents? 222 00:14:50,550 --> 00:14:54,060 Suze: Do you know? Could you sit down right here and 223 00:14:54,060 --> 00:14:57,190 Suze: right now if this happened to you, 224 00:14:58,180 --> 00:15:01,720 Suze: so all of a sudden something has happened, A tornado, 225 00:15:01,730 --> 00:15:05,340 Suze: your house is gone and everything in it, A fire comes, 226 00:15:05,350 --> 00:15:08,450 Suze: your house is gone and everything that is in it, 227 00:15:08,460 --> 00:15:11,890 Suze: all that's left is ashes, your house is gone because 228 00:15:11,890 --> 00:15:14,820 Suze: a hurricane has hit it and it's blown it away, 229 00:15:14,830 --> 00:15:19,950 Suze: Your house is gone because the water took everything 230 00:15:22,330 --> 00:15:26,000 Suze: can you maybe you should stop this podcast right here 231 00:15:26,000 --> 00:15:29,890 Suze: and right now and just see if you could really 232 00:15:29,910 --> 00:15:33,660 Suze: go through in your mind, every room 233 00:15:34,280 --> 00:15:38,040 Suze: and what's in every single room. Can you remember all 234 00:15:38,040 --> 00:15:41,590 Suze: the things that maybe your parents gave you or your 235 00:15:41,590 --> 00:15:42,820 Suze: grandparents 236 00:15:43,610 --> 00:15:46,240 Suze: that you've just put away in a box because you're 237 00:15:46,240 --> 00:15:49,970 Suze: keeping them for safe keeping. And do they have value? 238 00:15:49,970 --> 00:15:51,650 Suze: Do you remember what they are 239 00:15:52,240 --> 00:15:55,240 Suze: chances are you do not 240 00:15:56,250 --> 00:16:03,680 Suze: So therefore today's podcast is about how do you protect yourself? 241 00:16:03,930 --> 00:16:05,870 Suze: Now to that end, 242 00:16:06,830 --> 00:16:10,170 Suze: I am making a free offer to all of you 243 00:16:10,180 --> 00:16:12,650 Suze: because I want all of you to be okay. I 244 00:16:12,650 --> 00:16:15,400 Suze: want all of you to be protected. I want it 245 00:16:15,410 --> 00:16:20,100 Suze: to be so that you are prepared. When something happens, 246 00:16:20,100 --> 00:16:23,030 Suze: you don't have to think about it. What do you grab, 247 00:16:23,030 --> 00:16:26,060 Suze: Where do you go? How does it work? What's your paperwork? 248 00:16:26,070 --> 00:16:28,880 Suze: You need to know that you are protected? 249 00:16:29,750 --> 00:16:33,570 Suze: I want you to write down Suze Orman dot com, 250 00:16:33,820 --> 00:16:38,110 Suze: S U Z E O R M A N dot 251 00:16:38,110 --> 00:16:38,750 Suze: com 252 00:16:39,630 --> 00:16:46,260 Suze: slash activate A C T I V A T E 253 00:16:46,540 --> 00:16:48,890 Suze: write that down. 254 00:16:49,830 --> 00:16:53,300 Suze: And if you go there it will ask for an 255 00:16:53,300 --> 00:16:57,550 Suze: activation code. And if you put in the word safe. 256 00:16:57,610 --> 00:17:00,000 Suze: S A F E. Everybody 257 00:17:00,860 --> 00:17:03,130 Suze: because what is it that KT and I say to 258 00:17:03,130 --> 00:17:06,199 Suze: you at the end of every podcast we want you 259 00:17:06,200 --> 00:17:10,070 Suze: to be safe. Strong and secure 260 00:17:10,660 --> 00:17:13,900 Suze: in terms of being safe. When you're told to leave, 261 00:17:13,910 --> 00:17:17,220 Suze: you need to leave. If you think some trouble is 262 00:17:17,220 --> 00:17:20,139 Suze: coming your way, you need to make sure that you 263 00:17:20,140 --> 00:17:24,620 Suze: are safe because when you're safe then no matter what 264 00:17:24,630 --> 00:17:26,280 Suze: you're also secure 265 00:17:26,900 --> 00:17:29,760 Suze: because the most precious thing that you have to keep 266 00:17:29,760 --> 00:17:35,490 Suze: safe is you because without you being safe and healthy, 267 00:17:35,500 --> 00:17:41,080 Suze: nothing really matters. So the activation code is safe. 268 00:17:41,600 --> 00:17:44,889 Suze: Now when you go there and you register there, 269 00:17:45,500 --> 00:17:48,480 Suze: you then once you put in the activation code 270 00:17:49,170 --> 00:17:54,510 Suze: up will come what I call the insurance selector it 271 00:17:54,510 --> 00:17:56,150 Suze: covers for you. 272 00:17:56,770 --> 00:18:03,430 Suze: Life insurance, home insurance, automobile insurance, disability insurance and long 273 00:18:03,430 --> 00:18:04,980 Suze: term care insurance. 274 00:18:05,640 --> 00:18:10,450 Suze: And I originally created this program years ago to be 275 00:18:10,450 --> 00:18:13,379 Suze: sold on Q. V. C. And H. S. N. Where 276 00:18:13,380 --> 00:18:15,030 Suze: we sold millions of them 277 00:18:15,890 --> 00:18:20,710 Suze: and it analyzed. Do you have enough home insurance? Do 278 00:18:20,710 --> 00:18:23,650 Suze: you not have enough home insurance? Are you over insured? 279 00:18:23,660 --> 00:18:27,090 Suze: Are you under insured? Are you insured for a disaster 280 00:18:27,090 --> 00:18:28,760 Suze: or are you not? 281 00:18:29,400 --> 00:18:32,520 Suze: So if you want you can do all of those 282 00:18:32,580 --> 00:18:35,870 Suze: to see how much life insurance should you have? And 283 00:18:35,869 --> 00:18:38,060 Suze: it tells you everything you need to know if you 284 00:18:38,060 --> 00:18:39,350 Suze: interact with it. 285 00:18:39,910 --> 00:18:42,650 Suze: But the main reason I want you to go there 286 00:18:42,660 --> 00:18:46,730 Suze: is you will also see among the list of everything 287 00:18:46,730 --> 00:18:51,119 Suze: that I just told you. Home life, auto, disability and 288 00:18:51,119 --> 00:18:56,800 Suze: long term care. There is another category and it's called 289 00:18:56,800 --> 00:19:02,050 Suze: home inventory tracker. And that is the main reason that 290 00:19:02,060 --> 00:19:04,980 Suze: I am sending you to this site 291 00:19:05,359 --> 00:19:08,140 Suze: and I want you to do this and it's absolutely 292 00:19:08,140 --> 00:19:10,280 Suze: again free of charge. 293 00:19:11,720 --> 00:19:14,980 Suze: When you go to the home inventory tracker, it will 294 00:19:14,980 --> 00:19:19,760 Suze: take you room by room and you are to go 295 00:19:19,770 --> 00:19:23,740 Suze: room by room and allows you to take pictures of 296 00:19:23,750 --> 00:19:28,770 Suze: everything that is in every single room, every single cabinet, 297 00:19:28,780 --> 00:19:32,410 Suze: every single closet. So you have a record of what 298 00:19:32,420 --> 00:19:36,970 Suze: is there. It also allows you to add 299 00:19:37,590 --> 00:19:42,830 Suze: a dollar value of what everything that you are photographing 300 00:19:42,840 --> 00:19:47,430 Suze: is worth. So now you have a record of every 301 00:19:47,440 --> 00:19:49,790 Suze: item that is in your house 302 00:19:50,369 --> 00:19:53,170 Suze: and you can do two things with it. You could 303 00:19:53,170 --> 00:19:57,060 Suze: print it out and keep it because what everybody right 304 00:19:57,060 --> 00:20:00,800 Suze: now in Fort Myers and everywhere and what people always 305 00:20:00,800 --> 00:20:03,480 Suze: have to do when they suffer a disaster like this 306 00:20:03,490 --> 00:20:05,500 Suze: is the first thing you have to do is contact 307 00:20:05,500 --> 00:20:08,600 Suze: your insurance agent and file a claim 308 00:20:09,140 --> 00:20:11,350 Suze: and now you would have a record 309 00:20:12,040 --> 00:20:15,480 Suze: of everything you're making a claim on. Yeah. It's easy 310 00:20:15,480 --> 00:20:18,150 Suze: to say my house was worth X. This is what 311 00:20:18,150 --> 00:20:19,840 Suze: it would cost me to replace it. 312 00:20:20,580 --> 00:20:23,010 Suze: But you don't have a record of everything that is 313 00:20:23,010 --> 00:20:26,240 Suze: in your house. But now you do if you simply 314 00:20:26,240 --> 00:20:30,440 Suze: take the time to do this, you could also email 315 00:20:30,600 --> 00:20:34,680 Suze: that record to your insurance agent so that they have 316 00:20:34,680 --> 00:20:38,000 Suze: a record already on file. So you don't have to 317 00:20:38,000 --> 00:20:39,220 Suze: do anything else. 318 00:20:39,840 --> 00:20:43,780 Suze: The good news is let's say you did that but 319 00:20:43,780 --> 00:20:48,660 Suze: you lost everything including the print out of everything you 320 00:20:48,660 --> 00:20:52,399 Suze: have not a big deal. Somewhere down the road, you're 321 00:20:52,400 --> 00:20:57,800 Suze: gonna have access again to either your phone electricity, another computer. 322 00:20:57,810 --> 00:21:01,970 Suze: You go back to the site and everything is there 323 00:21:01,980 --> 00:21:02,850 Suze: for you. 324 00:21:03,250 --> 00:21:05,170 Suze: I mean one of the good things also I just 325 00:21:05,170 --> 00:21:08,350 Suze: have to say about the must have documents which is 326 00:21:08,350 --> 00:21:11,080 Suze: your will, your trust, your advanced directive and durable power 327 00:21:11,080 --> 00:21:14,190 Suze: of attorney for healthcare as well as a financial directive 328 00:21:14,869 --> 00:21:19,910 Suze: is let's say you had all the originals in your home. 329 00:21:19,980 --> 00:21:25,090 Suze: Let's just say that's true because only originals are valid 330 00:21:25,720 --> 00:21:29,170 Suze: and before you know it you are hit and everything 331 00:21:29,170 --> 00:21:31,970 Suze: is gone and you don't have a copy of anything, 332 00:21:32,600 --> 00:21:35,440 Suze: you can just go back to the must have documents, 333 00:21:35,450 --> 00:21:39,340 Suze: print them out again, go and get them notarized and 334 00:21:39,340 --> 00:21:40,669 Suze: witnessed again 335 00:21:41,270 --> 00:21:44,270 Suze: and now you have it back and it didn't cost 336 00:21:44,270 --> 00:21:47,170 Suze: you anything. For those of you who want the must 337 00:21:47,170 --> 00:21:52,250 Suze: have documents there go to Suze Orman dot com slash offer. 338 00:21:52,260 --> 00:21:55,950 Suze: It is $99. If you use that, you are l 339 00:21:55,960 --> 00:22:00,860 Suze: if you go to my website, it's 100 and $98. 340 00:22:01,550 --> 00:22:05,780 Suze: These are things that not only protect you but they 341 00:22:05,780 --> 00:22:07,830 Suze: also protect your family. 342 00:22:08,910 --> 00:22:14,159 Suze: Obviously they must have documents, protect you personally as well 343 00:22:14,160 --> 00:22:18,119 Suze: as your assets. If you were to die or become incapacitated. 344 00:22:18,760 --> 00:22:22,150 Suze: But the inventory tracker protects you 345 00:22:22,890 --> 00:22:26,960 Suze: and all the things that you have accumulated over your life? 346 00:22:26,970 --> 00:22:31,840 Suze: If they have some dollar value to them. Now obviously 347 00:22:31,840 --> 00:22:36,800 Suze: there's no way to protect sentimental items and that's what's 348 00:22:36,800 --> 00:22:40,070 Suze: so very sad. I'll never forget. Years ago I lived 349 00:22:40,070 --> 00:22:43,679 Suze: in the Oakland Hills when that horrible Oakland fire came in. 350 00:22:43,680 --> 00:22:48,280 Suze: 3,000 homes were burned to the ground and the fire 351 00:22:48,280 --> 00:22:51,330 Suze: stopped one mile from my house. 352 00:22:52,369 --> 00:22:55,300 Suze: But as I packed up to go because everything was 353 00:22:55,300 --> 00:22:58,639 Suze: in the car to absolutely evacuate. 354 00:22:59,880 --> 00:23:00,929 Suze: Number one 355 00:23:01,550 --> 00:23:06,800 Suze: I took things like pictures, pictures that could never be replaced. 356 00:23:07,410 --> 00:23:11,230 Suze: I took things that not just had a dollar value 357 00:23:11,230 --> 00:23:15,129 Suze: to it but had a sentimental value to it as well. 358 00:23:15,970 --> 00:23:19,460 Suze: So those things if we lose, there's nothing we can 359 00:23:19,460 --> 00:23:24,270 Suze: do about it and we have those memories in our heart. 360 00:23:25,190 --> 00:23:29,359 Suze: But things that you are paying insurance for, you want 361 00:23:29,359 --> 00:23:33,160 Suze: to make sure that if they're taken from you, you 362 00:23:33,170 --> 00:23:38,570 Suze: can get them replaced at least financially speaking. So today's 363 00:23:38,570 --> 00:23:43,030 Suze: Suze School is you have got to answer the question, 364 00:23:43,950 --> 00:23:47,310 Suze: are you protected are you 365 00:23:47,830 --> 00:23:51,880 Suze: because if you're not, I beg you to look at 366 00:23:51,880 --> 00:23:55,930 Suze: some of the pictures that are coming in from Florida 367 00:23:56,500 --> 00:24:00,619 Suze: and don't think things like that can't happen to you 368 00:24:01,060 --> 00:24:05,230 Suze: when we all pray for everybody who lost everything, they 369 00:24:05,230 --> 00:24:07,879 Suze: don't know what to do. They don't know where to go. 370 00:24:07,880 --> 00:24:10,810 Suze: It totally breaks my heart. It makes me want to 371 00:24:10,810 --> 00:24:13,430 Suze: get up and go there and help them figure out 372 00:24:13,430 --> 00:24:15,669 Suze: their insurance claims and everything 373 00:24:15,930 --> 00:24:19,450 Suze: because it's going to be another disaster. Like do they 374 00:24:19,450 --> 00:24:22,880 Suze: go and get a small business administration loan will fema, 375 00:24:22,880 --> 00:24:26,359 Suze: give them alone. What are they going to do? It's 376 00:24:26,359 --> 00:24:28,730 Suze: very difficult at times like that 377 00:24:29,250 --> 00:24:33,220 Suze: no matter what anybody does for them, they are suffering 378 00:24:33,220 --> 00:24:36,419 Suze: right now. Some of the biggest losses of their life 379 00:24:36,430 --> 00:24:39,730 Suze: because some of them not only lost everything. They lost 380 00:24:39,740 --> 00:24:41,520 Suze: loved ones as well. 381 00:24:42,460 --> 00:24:45,969 Suze: Obviously KT and I are safe and sound. The only 382 00:24:45,970 --> 00:24:50,020 Suze: thing that we lost here was the satellite which makes 383 00:24:50,020 --> 00:24:52,399 Suze: sense because even if the wind blows hard here and 384 00:24:52,400 --> 00:24:56,850 Suze: it's not a hurricane, we lose satellite and connection but 385 00:24:56,850 --> 00:25:00,690 Suze: we were nowhere even close to danger. It was never 386 00:25:00,690 --> 00:25:03,840 Suze: coming towards us and as time went on it was 387 00:25:03,840 --> 00:25:06,690 Suze: more and more obvious that it wasn't going to hit 388 00:25:06,690 --> 00:25:10,130 Suze: us even close. We're hundreds of miles away from it. 389 00:25:10,140 --> 00:25:12,250 Suze: But we were prepared. 390 00:25:12,480 --> 00:25:16,909 Suze: We still prepared as if it changed directions and it 391 00:25:16,910 --> 00:25:20,130 Suze: came to us. I had a plane waiting. We were 392 00:25:20,130 --> 00:25:21,980 Suze: ready to go. 393 00:25:23,090 --> 00:25:26,790 Suze: So I want you to always have your financial plane 394 00:25:26,790 --> 00:25:30,650 Suze: ready to go. I want you always to be prepared 395 00:25:30,670 --> 00:25:35,290 Suze: to protect yourself not only today but from the unknowns 396 00:25:35,300 --> 00:25:36,670 Suze: of tomorrow. 397 00:25:37,320 --> 00:25:43,520 Suze: That is the Suze School for today. See you on Thursday 398 00:25:43,530 --> 00:25:46,820 Suze: but until then what do I want for every single 399 00:25:46,820 --> 00:25:49,800 Suze: one of you. I want you to be safe. I 400 00:25:49,800 --> 00:25:52,920 Suze: want you to be strong and most of all I 401 00:25:52,920 --> 00:25:54,410 Suze: want you to be secure.