Integrated Family Community Services 3370 South Irving Street, Englewood, CO 80110-1816 Ph: 303-789-0501

Protecting Your Family and Livelihood when Faced with Adversity

People want to protect their family. They buy homes, make smart investments, save for the future, take care of their health, and a whole host of other things with the goal of protecting and providing a secure future for their family. For this reason, it can be unsettling for a person to watch the secure structure they build for their family to be put at risk because of an unexpected disaster or adversity.

Natural Disasters

The recent slew of natural disasters that have struck not only the United States but around the world shows that the livelihood of families can be wiped out in a matter of hours. Many victims of disasters, like Hurricane Katrina, are still struggling to get back on their feet years later. There is nothing that family heads can do to prevent disasters. However, there are things they can do to protect themselves financially from these disasters. For example, creating an evacuation bag that contains pertinent documents, cash, and needed medications can help a family stay afloat during the immediate disaster and provide the security they need to get back on track in the days following the disaster.

Unexpected Death/Illness

News reports are full of stories of individuals who watch their entire life savings disappear after being diagnosed with a serious illness or after the untimely death of a loved one. While nothing can be done to prevent family members from getting sick or dying, with a little bit of forethought, steps can be taken to prepare for the unexpected expense. For example, purchasing long-term health insurance and life insurance can help provide a family with the financial stability they need while getting through the crisis.

Unexpected Incarceration

The steady stream of news reports showing individuals who have spent decades in prison for crimes they did not commit shows very clearly that not all convicted individuals are guilty. Family heads can protect their families and livelihood by immediately speaking to a criminal defense attorney if they are accused of a heinous crime, such as a sexual assault. Professionals, like a Houston sex lawyer, understand that these kind of charges can follow you for the rest of your life. Criminal defense attorneys who specialize in this field will help a family head understand the steps they need to take in order to protect themselves from conviction and to protect their reputation and that of their family.

Unexpected Job Loss

Since the start of the recession, 3.6 million individuals have lost their job. Family heads can protect their family by not burning bridges and maintaining a good reputation with their old employer, seeking help from their former employers in finding a new job, creating a survival budget, cutting back on expenses, and coming up with a weekly cash flow plan.

Much of protecting your family and livelihood will depend on your ability to foresee future adversities and take steps now to face these adversities head on.

Tim Esterdahl

Tim Esterdahl is the editor of IFCS blog. He is a married father of three and enjoys golf in his spare time.

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