Coffee heat rising

Prepare Your Business for Disaster

tornado2When I wrote about preparing your family and your home for the various kinds of emergencies and catastrophes that can befall us, I surely had no idea the subject would suddenly become so topical. Again. We’ve seen, time and again, the danger and heartache that a natural disaster brings to individuals, families, and homeowners. But what about business owners and leaders? What can you do to prepare your business for disaster?

Some business entrepreneurs have been there before us and can offer some advice. Forbes contributor Elaine Pofeldt, for example, lists some wish-I’d-thought-of-this preparations that would have helped get her own and her husband’s home-based businesses through Hurricane Sandy:

• generator
• car charger for laptops
• back-up Internet service
• printed list of hotels in nearby states
• bicycle at the ready.

If your business has outgrown a room in the back of the house and is an established, brick-and-mortar retail store, wholesale operation, or service office, your planning issues are more complex and more crucial to the business’s survival. Some 25 percent of small businesses are unable to come back after a natural disaster, largely because they are unprepared. A December 2012 survey showed that 74 percent of businesses have no disaster plan, 84 percent have no natural disaster insurance, and a third have no idea how quickly they could get back in operation after a natural disaster.

Experts urge the importance of several coordinating strategies. These include

• having a disaster recovery plan in place;
• migrating IT functions, data, applications, and processes to the Cloud;
• developing a back-up communication system that does not rely on cell phones;
• and anticipating ways to help restore normalcy to employees whose lives are upended.

Clearly, a crucial strategy is to move data and computer functions off-site, to a secure site in the Cloud. This should include not only archived records and programs, but all work in progress. Not only will this protect your company’s and your clients’ data, it can make it possible for employees to work remotely, in case they can’t get to the office or the office itself is out of commission.

The Pacific County (Washington) Economic Development Council has posted an excellent and broad-ranging series of guides and checklists for business preparedness, in connection with a conference on the subject. If you own a business or are in charge of preparedness at your workplace, this is an invaluable series of resources. While you’re at this site, click on the “Business Planning Document” link at the top of the page. This will load a Word document containing a full business preparedness plan whose purpose is “to allow the company to resume mission critical operations within twenty-four to forty-eight hours, followed by the resumption of all other company operations within three to five days.”

Financial Services Group PNC adds the suggestion that business managers identify their organization’s most vulnerable points — computers located on a first floor vulnerable to flooding, for example — and take action to remedy those situations before the fact.

The Federal Emergency Management Agency (FEMA) has published several pages of useful information at its website, including a set of planning and implementation guides for businesses. Also on these pages you can find suggestions for building emergency kits, either for families or for businesses, and descriptions of various kinds of hazards and how to prepare for them. Another FEMA document, “Every Business Should Have a Plan,” provides a succinct set of recommendations for preparations to help to keep your employees safe during an emergency and help your company stay in business afterward.

King David HotelThere are actually two aspects to disaster preparedness: readying oneself and one’s group for natural disasters and preparing for manmade disasters and catastrophic human error. Quite a lot of information addresses the possibility of natural events such as earthquakes, tornadoes, fire, and floods, but there’s less public information about preparing for a terrorist attack. Probably the best organized and most useful discussion appears at FEMA’s site on terrorist hazards. There you’ll find links to pages with details on protecting yourself from biological and chemical threats, cyberattacks, explosions, nuclear blasts, and radioactive dispersion devices.

Another of the best planning documents designed to help businesses cope with manmade disasters is a primer published by Business Executives for National Security. This guide covers the several possible kinds of terrorist attacks, risk assessment and preparation, employee training, terrorism insurance, ways a business can respond to a terrorist attack, and recovery. It includes a short, to-the-point checklist.

In the recovery department, the Small Business Administration offers a variety of business physical recovery loans for companies in a declared disaster zone.

Palm Beach County (Florida) provides a business guide for disaster preparedness that also addresses bomb threats, enraged employees or customers, sabotage, cyberterrorism, and hacking. And King County (Washington) publishes a short and to-the-point set of actions to take in various scenarios, ranging from hazard recognition to survival if you’re trapped under debris.

The Red Cross has a PDF on responding to terrorist attacks; it contains some helpful advice, including instructions for sheltering in place.

In 2003, the U.S. General Accounting Office (GAO) prepared an eye-opening report on potential terrorist actions and the nation’s preparedness for them. A key part of this discussion has to do with the threat to financial markets posed by a successful, major attack. We saw what happened when some joker hacked in to the Associated Press’s Twitter feed and posted a report that the White House had been struck — an instantaneous, deep stock market dip. Had the report been real, the consequences would have been very serious, indeed. The GAO report deals largely with the financial markets, the banking industry, and the telecommunications infrastructure. Even though it’s a decade old, the report and its recommendations are still worth a business executive’s attention.

Images:

Tornado in central Oklahoma, 1999. U.S. National Oceanic and Atmospheric Administration. Public domain.
King David Hotel (Jerusalem) after attack by Irgun, 1946. Public domain.

Funny, the German Shepherd, and the Dog Behavioralist

AnnagarlicJestjack’s comment on last Saturday’s post, about the vet who opined that the wide-ranging pisser of a cat had “anger issues” (heeee!), reminded me of Anna the German Shepherd, a dog for whom “trainability” was an alien term.

Actually, Anna was highly trainable. But she was a working dog with a capital W and a capital D, and she had so much drive that she really needed a full-time doggy job to run off her bottomless reserves of energy. This was an animal that needed to herd sheep. Or cattle. Or camels. She was so strong that for many months I faced quite the challenge keeping her under control.

A woman who trained search dogs and drug dogs for the police had been the most successful of a largely unsuccessful lot of dog-and-human trainers. By the time Anna was about 18 months old, she was marginally leash-trained, despite daily efforts on my part. This police dog trainer favored a vicious pinch collar, something that just made me cringe…but I couldn’t afford to have the dog drag me into the traffic, or to have to let her go as she charged in front of an oncoming vehicle. Since she craved to bring cars and trucks down by their oil-pans, suicide by car was a likely end for Anna. The pinch collar at least put a damper on that activity. To a degree. A low degree.

One day I mentioned this to Jerry Jenkins, a now-retired veterinarian who over the years had become a friend. He said he knew a “dog behavioralist” that maybe I should try. Silently thinking “holeee mackerel, what next?” I took the guy’s phone number. In a moment of desperation, after having been dragged around the neighborhood again, I called him.

Now, you should bear in mind that another friend of mine, at the time, was a lady who claimed to believe in astrology and who was in the act of hanging out her shingle as a pet astrologist and mind-reader. No. Yes. She was serious. I think. Who can tell?

At any rate, you can imagine the eye-rolling over the “dog behavioralist.”

So I call the guy up, and it turns out that under the silly psycho-babble veneer, what he really does is teach owners (not dogs) how to behave. Abhorred by the stainless-steel pinch collar, the first thing he did was demonstrate how to get Anna to heel using nothing more than a leather leash and her ordinary everyday rolled leather collar. It wasn’t very difficult. The trick was, you had to do it several times a day. Didn’t matter whether you did it in the house, did it in the backyard, did it on a sidewalk, or did it in the park. You just had to do it for a short period, over and over, every day.

Here’s how to do it:

Get a rolled leather collar (it’s better for long-haired dogs and it will work better for your purposes). Get a sturdy leather leash (not nylon). Place the collar on the dog and hook the leash to the collar. Have the dog sit next to you. Step forward with the dog at your left side. Each time the dog surges ahead of your knees, say “HUP!” and give the leash a sharp jerk. Always precede the jerk with the “HUP!” sound. Never jerk the leash and then say “HUP.” Walk steadily and confidently forward. Never let the dog get past your knees without going “HUP” and giving it a jerk.

This won’t hurt the dog, but it will get its attention. Reward the dog with friendly noises for heeling correctly over brief periods. You may heel and sit, heel and sit, heel and sit if that’s necessary to underscore the idea that the human walks the dog, not the other way around. Do not fail to do this for a few minutes at least three times a day — five or ten minutes per session will suffice.

After awhile, the dog will start to expect a jerk whenever you say “HUP!” You can then use the word “HUP” to mean, approximately, “heel.”

It works.

The “End of the Month & We’re Broke” Pot-luck Pasta Salad

So last Wednesday at choir rehearsal I was reminded that, today being the end of our season, we have our annual choir send-off party and pot-luck. This was a bit of an embarrassment, since I’ve pretty much spent the grocery budget and, if Cassie and I are to survive until the end of the month without going in the hole, I can’t make a run on Costco or Safeway to buy a bunch of stuff to make a fancy pot-luck dish. We’re already cleaning out the freezer one bite at a time.

I scribbled down “some kind of pasta” on the sign-up list and ran away.

Hot dishes are problematic, because it’s hard for a single person to get the stuff to the church without having it spill all over the car or be stone cold by the time we’re ready to eat. So I decided the “some kind of pasta” would have to be a package of Costco penne (thank God for Costco’s lifetime supplies of everything!) into which I would dump a little of anything in the house that even faintly resembled salad makings and then would chill until dinnertime. Thus:

P1020411

It actually turned out looking kinda pretty — well, at least not revolting — and tasting pretty good.

To reproduce (more or less), spin off this general theory:

Cook up a bunch of whatever kind of pasta you have in the house. Ain’t got no pasta? You can substitute cooked beans, hominy, or cut-up pieces of bread, or any combination thereof. Dress the starchy stuff with a good vinaigrette (recipe follows) and start adding whatever you can find in the fridge, freezer, and garden.

Vinaigrette dressing:

Squeeze a juicy lemon. If your lemons are not very juicy, squeeze two of them. Pick out the seeds and toss those. If you don’t have lemons, use about 1/8 cup of vinegar (any kind; use more if you’re making something vast). Add olive oil: about three parts oil to one part lemon or vinegar. Whisk together with a fork. Taste. Add oil or more lemon/vinegar to taste. Add salt and pepper to taste. Add dried herbs (such as tarragon, thyme, fines herbes, herbes de provence, parsley, summer savory, or whatever you have around) to taste.

Addenda for the pasta:

• frozen peas (if this is going to sit in the fridge for a while, no need to defrost them —  just toss in a handful or two or three)
• carrots, diced or chopped in small pieces
• green onions, sliced or minced
• garlic, finely minced
• bell pepper, chopped (I used those tiny new sweet peppers that come in bags)
• olives, pitted
• cucumber (I had about a third of a cuke left)
• walnuts, chopped
• basil, chopped (or whatever else is in the garden…parsley would be nice)
• tomato, chopped
• feta cheese (parmesan would work, too

Toss these things (or whatever you happen to have on hand) into the dressed pasta, stirring between additions. Top the salad with another sprinkling of cheese, and chill until ready to eat. This is one of those dishes that improve with time, so have no fear about preparing it hours or even a day ahead.

Wounded Dog Dodges Bankruptcy

The other day Cassie flew into the air, chasing Ball up the driveway, and came down wrong on a hind leg. She yelped once, licked her foot, and then went on about her frenetic business.

She seemed OK. Maybe a little sore but not enough to slow her down. She’s still racing around like a rocket, lobbying for doggy walks, and throwing stuffed teddy bears, stuffed vultures, stuffed Angry Birds, and tennis balls at the human in an unceasing campaign to get all of the above airborne.

And yet…and  yet, she’s been off her game a bit. Instead of harrying the human every waking moment, she’s taken to moping in the back room or the office. Her enthusiasm for trotting outdoors at the drop of every hat is limited.

A close inspection of the offended foot reveals a worrisomely lopping toe.

P1020406

Notice how that toe on the inner side of the foot on the left looks deformed? The corresponding toe on the other foot looks straight and smooth, and it lies tight against the foot. The bent toe is loose and stands away from the other toes.

Looked this up on the Internet and came away abhorred: vet bills running into the thousands of dollars; dogs wrapped up in casts under which any number of infections and mildew grew; dogs who ended up having to have infected legs amputated; dogs developing gangrene under too-tight wrappings; dogs ripping their own foot off trying to remove the damn cast; dog owners reporting that casting the leg in such injuries appears to be a scam whose main purpose is to milk the owner’s bank accounts; dog owners reporting that some vets say to just leave the dog alone and let nature take its course; dog owners hacking off casts themselves, to find the dog was just fine without it and healed up with no problem when left alone…. Oh, shit.

Well, by this morning she didn’t seem great. So I took her to a vet M’hijito found by way of his father’s current wife. This lady practices in a part of town called “Little Mexico,” where most of the shopping consists of Dollar Stores and Goodwill outlets. Which is to say, she doesn’t cater to a clientele with deep pockets. The vet I’ve been using, referred to me by La Maya (who has an actual income and a partner with an actual income), is what we might call a thousand-dollar-a-day vet. She’s close, and that’s nice. But she knows how much dog lovers living in the $400,000 to $1.5 million houses that populate North Central can be persuaded to pay.

Vet looked at the dog’s foot and opined that it was either broken or dislocated. In either event, the best course of action was to leave it alone. She said she would try to pull it back into place if she were sure it was dislocated, but without an X-ray, she didn’t want to do that — because it could, after all, be broken. She thinks the best thing to do is let nature take its course. Gave me an anti-inflammatory, handed me a $58 bill, and said good-bye.

In six days, I can afford to have the dog X-rayed (can’t just now, unfortunately: am at the end of the budget cycle and all is pretty much spent). I may call again then and ask if they’ll X-ray her, just to see what the story is.

Maybe not, too. The vet said the dog will recover. Maybe less really is more.

You know, consumers have to be careful with veterinarians. It’s no less true that you should get a second opinion when a vet recommends some pricey procedure than that you should when a dentist does the same. Yesterday I talked to a young fellow who came by to provide an estimate for pruning a hugely overgrown carob tree in M’hijito’s front yard. By way of chatting, we found we each had wounded small dogs. His family’s lab had landed on their chihuahua during a frolic. Whacked the little dog’s leg.

Wife took the lap-dog to the vet, where several hundred dollars’ worth of X-rays ensued. She was informed that the dog needed $1700 worth of surgery “to round off” a hip bone, and that was just for starters. When he recited this story, I said, “Look. Really: get a second opinion. I had a German shepherd that a vet said needed dual hip replacements, to the tune of thousands of dollars. I took her to another vet for a second opinion, and he said the X-rays the first outfit had done were not good enough to diagnose anything about the dog’s hips, and that the dog most certainly did not need surgery.”

This tale got his attention. He said he would do that before giving the go-ahead for this elaborate procedure.

Most vets are good people who do not want to cheat you or inflict unnecessary treatments and pain on animals by way of fleecing their owners. However, there’s no question that some of them are in it for the money. In general, U.S. and British pets are over-vaccinated, over-examined, and over-treated.

Caveat dog owner…

 

Medicare Supplement: QUALIFIED!

Thank goodness! The agent I stumbled across while trying to navigate the Medigap labyrinth after Mutual of Omaha decided to up its Medicare supplement premium by $433 a year called to say Government Personnel Mutual’s underwriters have approved me for a Plan G policy.

That will be a difference of almost $700 off the two grand that Mutual of Omaha proposed to jab me with.

A few months ago, I’d heard from another insurance salesperson that Mutual of Omaha (which is part of United of Omaha) is notorious for luring new Medicare recipients into a Medicare supplement policy by offering the lowest prices around, but then after a year or two, they jack up the prices through the ceiling. The current episode suggests she was right.

What’s going on there is that when you first get on Medicare, you have a window of a few months in which to decide whether to buy a Medigap policy; in that first “open enrollment” period, carriers may not subject you to underwriting, and they can’t except pre-existing conditions or anything they imagine might be a pre-existing condition. But after that introductory period, any change, even to a different Medigap policy offered by the same company, has to go through underwriting.

Because most Americans in their 60s have been “diagnosed” and something like 90 percent of those 65 and over are on some sort of medication, after you’re enrolled in that first Medigap plan you have about a snowball’s chance of getting approved for a new policy. Thus, once you’ve signed up for a Mutual of Omaha policy, in about 90 percent of cases it’s a gotcha. In a big way. They can raise their prices and there’s not a damn thing you can do, short of going bare or switching to an HMO.

To accomplish the $700 difference, I had to switch to Plan G with Government Personnel Mutual. It’s the same as my old Plan F policy, except that Plan G hits you with a $142 deductible, whereas Plan F has no deductible. Obviously, Plan F is preferable; however, I can afford $142 out of pocket, and the difference in premiums is so great that it’s worth it.

After running through an interminable punch-a-button noise-maker at Mutual of Omaha, I finally reached a person who seemed in a position to put an application for a Plan G policy through that outfit’s underwriting. She sent me not one, not two, but three duplicate applications. These are multipage, intrusive questionnaires, and so I felt no call to fill it in and drive it to the post office three times. I sent one. Haven’t heard a single word back from them.

Government Personnel Mutual has a better A.M. Best rating than Mutual of Omaha and far fewer consumer complaints floating around the Internet. And, apparently, it has no reputation for gouging its customers.

So. That’s a relief. And it’ll even give me a few extra dollars in my pocket next year.

Cleaning FRENZY!

So yesterday I went completely off the deep end. Damn near kilt myself with overwork.

Monday is vacuuming day. Check.

Tuesday is steam-mop day.

Well, it’s been quite some time since I steam-mopped the 1680 square feet of tile in this house. As a stop-gap, I’ve been wet-mopping the dirtiest floors, which usually are the kitchen, the hall, the dining room, and the living room. Wet-mopping doesn’t really get the floor clean; it just pushes the dirt around.

Steam-mopping lifts the dirt off the floor…within limits.

Yesterday, it became clear that the limit had been reached and surpassed long ago. Every microfiber rag I attached to the steamer — quite a few — came up tar-black. I figured I’d better go over the floors twice. Rags were still black, and by the time the job was done, the floor was streaky. Decided to run the steamer over the kitchen floor again. The result: streaks.

The floors were so filthy, the steam-mopper couldn’t clean them. The grout, which in fact is not grout but this paint-on “sealer” stuff Satan & Proserpine applied, in a light gray color called “oyster” (what were those people thinking?), had turned dark brown with dirt.

I’d already been thinking I needed to get down on hands and scrub the damn floors.

But hold the Simple Green, which I suspect of being part of the problem, it having been applied in the wet-mopping. Instead of detergent, I used clear water, a stiff scrub brush, a scouring sponge, and rags; for the grout, I applied DIY glass cleaner — a mix of alcohol, ammonia, vinegar, and water.

It worked. In fact, it worked swimmingly. Here’s a before…

P1020382

(Click on the image for closer inspection.)

And here’s an after…

P1020384

The problem was, it worked altogether too well!

The project quickly turned into an absolutely crushing job. With back and hips already hurting, hunkering down on hands and knees and applying all the weight and strength of your upper body to scouring tile and grout is not much fun. And it took hour after hour after pain-enhancing hour. The problem was, I couldn’t stop! The difference between the cleaned space and the still-dirty tiles was eye-popping:

P1020385

And I knew that if I stopped, there was no way in Hell I would come back the next day to finish the rest of the floor. It was a matter of do the whole job now or don’t do it at all.

Making this manageable entailed scouring two rows at a time, crosswise across the room (that is, taking the shortest distance, which in this case was from that bookcase to the wall opposite it). After just two rows, the water would turn almost black:

P1020392

Actually, I had to get up and change the water more than once per two-row cycle. But you get the idea…

Ugh. After scrubbing the kitchen, dining room, living room, and hall floors, I thought I was gunna die! It was about 5:30 by the time the last bucketful of brown water was poured down the drain and a giant pile of rags went into the washer. Since this project began in the middle of the morning, I’d been on hands and knees for about 6 or 7 hours.

Fell into bed around 6:30. Woke up at 10 p.m., swilled down some puréed ginger root in tonic water — both traditional muscle-pain remedies, since I’m allergic to aspirin, ibuprofen, & acetaminophen (it actually worked, believe it or not!) — got back to sleep around 1 a.m., and was out cold until 6 a.m.

By light of day, the floor looks awesome! It hasn’t looked this good since I moved in here. The clean floors make the rooms look a lot brighter and bigger. Very nice.

And all in all, today I don’t hurt an awful lot more than I did yesterday morning, before plunging into the crazy project. Which isn’t saying much…except that things could be worse. A lot worse.

Problem is, all that flooring represents, ohh….maybe a third to almost half the total square footage of tilework. There are still four bedrooms, two bathrooms, and the family room that need to be cleaned.

The remaining parts of the house were tiled by my guy, Mike the Bosnian Godfather. Of course, we couldn’t buy the same tile — it was long gone. But Mike found a much better grade of tile that, incredibly, picked up all the colors of Satan & Proserpine’s choice. Its surface, though textured to ape stone, is harder and less porous-feeling than S&P’s, so dirt dust-mops up more easily.

P1020395

Mine, not theirs!

And I have better sense about grout than those two did: IMHO the grout for floor tiling should be the color of dirt at the outset. It’s actually a little lighter than I would have selected on my own, at Mike’s insistence — he felt true dirt-color would have contrasted too much with the existing tile’s off-white grout.

But still, it’s dark enough that it doesn’t look just terrible after five or six years of wear and tear. I’m thinking that, at least for the nonce, I can go over it several times with a new mop-head dipped in clear, unadulterated water. If and when I work up the energy, I’ll scrub the tiles in the office (Cassie and I spend most of our time in the kitchen and the office) and then let the rest of it be.

Homeownership. What a joy!

😀