Coffee heat rising

Weather!

Quite a little freshet blew through last night. Apparently it started around 11:30—that’s when my power went out—and carried on into the wee hours. Cassie woke me at one in the morning, barking at the distant thunder and fretting to go out. The wind was blowing so hard it made a weird, symphonic noise: like an orchestra of kazoos.

Almost 300,000 utility customers lost power. Mine came back on around 8:30 this morning. By then, the refrigerator’s interior appeared to be at about room temperature: around 62 degrees. I haven’t dared to open the freezer, but I expect it will be OK, even though, being a cheapie, it’s not well insulated.

This minor episode brought one issue sharply to my attention: I am not prepared for a serious emergency lasting any length of time.

I couldn’t even make a cup of coffee this morning: without power, I can’t grind coffee beans. (OK, OK: I do have a molcajete and yes, yes, I could have ground the darn things by hand. I’d have to be driven to greater depths of desperation to do that, thank you.)

Without a propane grill—I dumped mine in favor of a much nicer charcoal grill—I would be in trouble if the gas went out along with the electric power.

My gas stove will operate during a power outage, but it’s not happy, and the manufacturer inveighs against it. Modern gas ranges have electric igniters, so when the power’s out you have to light the gas with a match or butane lighter. Problem is, the burners want to flicker out; in the absence of a pilot light (which is what used to light gas burners and keep them lit), you risk asphyxiating yourself. Or blowing up the kitchen. You have to stand there next to the stove all the time the burner is going and keep a close eye on it.

I do have water stored, but I forget to empty it over the plants once a month, wash out the carboys, and refill them. Must get my act together there.

And I think it would be a good idea to pick up a camp stove and a couple bottles of propane. Actually, I think one of those stoves will run off a barbecue-sized propane canister, two of which I happen to own. Probably all I need is the stove and a canister refill.

The other thing I don’t have is a cooler. I need to pick up one of those, so I can carry dry ice to stock the freezer during an extended outage.  They’re cheap and can be had readily at yard sales.

There’s food enough in the house to last a month or so. The issue is cooking it. And, in the case of frozen and refrigerated items, storing it.

Really, there’s no excuse not to be prepared. Here’s what I see as the bare minimum to have around the house:

Blankets
Toilet paper
First-aid kit
Analgesics, antihistamine tablets, and any prescriptions you need
Five to ten gallons of clean water
Propane
Propane stove or grill with side burner
Candles
Camping lantern
Flashlights and batteries
Battery-operated radio
Cell phone, BlackBerry, or land-line phone that is not wireless
Supply of food, enough to last from a week to a month
Possibly a five-gallon can of gasoline

Got any other thoughts? What else might one have around the house, just in case?

Update:

In just a couple of days, a slew of ideas have come in, over the transom and through the “Comments” on this post. Here’s a summary:

A hand-cranked radio may be more reliable than a battery-operated one. At the very least, have more than one radio that will operate on something other than AC. And keep a good supply of fresh batteries.

Cash stash. The Katrina disaster proved that cash speaks louder than bank cards or checks. When power goes down and stays down, computerized cash registers quit working. Unable to process bank transactions, many merchants will accept cash when nothing else works.

Barterable goods may come in handy in a crisis that lasts for a lengthy time. Cigarettes, alcohol, and (yes, I’m going to say it!) grass can be traded for food, clothing, bandages, medications, and other necessaries. Also useful: sanitary napkins and tampons, candy, jewelry.

Water purifer and sanitizer. Check camping stores for devices and chemicals designed to disinfect suspect water. Among these are the SteriPEN, iodine tablets or liquid, and chlorine tablets. Remember that water filters do not kill pathogens.

More than a few gallons of clean water may be needed. Adults may need as much as three gallons of drinking water a day.

Remember that a water heater holds 20 to 60 gallons of potable water. Swimming pool and decorative fountain or pond water, while not drinkable without purification, can be used for washing and bathing. Dishes can be washed in ocean, river, or lake water, with plenty of detergent. Rinse in boiling water.

Watch yard sales to collect a stash of candles. Tea lights as well as tapers and pillar candles are good to have on hand. I personally find that tapers put out more light than other types of candles.

Propane camp lanterns or oil lamps are also good to have on hand. Use devices that are sources of combustion outdoors.

Build a stash of matches as well as butane lighters. Keep your matches dry inside Ziploc bags.

All these supplies should be kept in a dry, safe place, out of childrens’ reach.

Some readers have questioned the safety of using a propane stove indoors. City codes require an effective venting system over a gas stove for a reason! That reason is called “carbon monoxide,” an odorless, toxic gas that is a byproduct of burning. If you’re forced to use a propane stove inside because of weather conditions, place it near or on your stovetop and turn on the vent. If you have no power, use it near an open window or place it in the cold firebox of your fireplace with the flue open, and don’t use it for any length of time. It is best to use these devices outdoors.

Preparing for the worst

If you were killed or incapacitated in a car accident, if you had a stroke or heart attack that put you out of commission, would the people who had to take over your affairs know where to start?

Would they know where your bank accounts are? What insurance you have? Where your paycheck is deposited? What bills have to be paid? And if you have minor children, will friends, relatives, or the authorities know where you want the kids to stay?

If the answer to any or all of those questions is either “no” or “I dunno,” now is as good a time as any to start writing down the answers. I’m in the process of compiling a complete record of all the things my son will need to know if anything happens to me. It’s a pretty big job, one that will take several days to complete. The product will be two three-ring binders, one to keep at his house and one to keep at mine.

Here’s what’s going into it:

1. My employer

Healthcare card (whereabouts; ID number, group number)
…..User names and passwords*
…..URL of page to access pay information*
Amount of my salary
Benefits
COBRA and how to get it

2. Community colleges

Salary for adjunct teaching
…..User names and passwords*
…..URL of page to access pay information*

3. Insurance: vendors, policy  numbers, and telephone numbers

Health
Life
…..Including credit union & other groups with membership policies
Homeowner’s
Automobile

4. Credit union

Accounts
…..Direct deposits
…..Automatic transfers
…..Location of statements
…..User name, password, & URL for online access*
Automatic bill payments
Hard-copy bill payment
Credit-card payments

5. Credit cards

List of credit-card vendors and customer service numbers
Photocopies of cards, front & back

6. Social Security

List of necessary documents, and where to find them
Instructions for how to get SS started
Phone number and address of local SS Administration office

7. Medicare

Documents needed to start Medicare; location of originals
Information on how it works
Instructions for what is desired

8. Investments

Whereabouts of statements
Contact and phone number at management firm
Usernames, passwords, and URLs to for online access*

9. Financial records

Personal
…..Quicken
…..Excel
Corporate
…..Excel
…..Quicken
How to generate tax reports in Quicken & Excel

10. Lawyer/tax preparer

Name, phone number, e-mail, & address

11. Taxes

Whereabouts of past income tax returns
Taxes for S-corporation
Property taxes; fund for paying

13. Deed to house

14. Will

15. Living Will

16. Doctor

Name, phone number, and address

17. Dog

Feeding, care, eccentricities
Veterinarian’s name, phone number, and address

18. Downtown house

Loan documents
Homeowner’s insurance policy
Legal documents

19. Blog

Username, password, & URL for dashboard*
Adsense
…..Username, password, URL*
…..Arrangements for pay
Bluehost
…..Username, password, URL*
Name & contact of tech consultant

20. Freelance clients

Names, phone numbers, e-mails
Instructions to advise that deadlines will be missed
Where to find work in progress
Name & e-mail for subcontractor(s)

21. Final arrangements

How to dispose of the remains

* Important: Don’t save any pages with this information to a computer or a flashdrive. As soon as I finish typing a section, I print two copies for the two binders and then close the file without saving. Another strategy: simply delete the sensitive information before saving to disk…but be sure you’ve erased every reference to a Social Security number, user name, password, or any other vulnerable data.

Kids

If you have minor children, you should make arrangements for someone to care for them should both parents be killed or incapacitated—something that could easily happen in a car wreck. Decide who should be the caretakers and discuss it with them. Once they’ve agreed to take responsibility for your children in an emergency, put it in writing. Have them sign it and you sign it in front of a notary public. Give them a copy and keep a copy for your own records. If the person who will take charge of your affairs is different from the person or couple who will care for the kids, be sure that person also has a copy.

You should also name the desired child caretakers in your will. The person who is to take charge of your affairs should be named as your will’s executor, unless your lawyer advises otherwise.

If you have sole custody of children from a divorce and you do not want the child’s other parent to assume custody in an emergency, you should state the specific reason that this is undesirable (abusive? drug user? alcoholic?) in the document that designates the emergency caretaker.

Security

By the time you finish, this binder will contain some very sensitive information. You don’t want it to fall into the wrong hands. My son is very responsible, and so I feel comfortable about giving him a binder full of printouts containing my Social Security number, usernames, and passwords; however, my name and address will not appear in the thing. If your adult children can’t be trusted, consider hiring a lawyer to handle your personal affairs and storing the information at her or his office. Alternatively, choose a trustworthy friend or relative, ask him or her to take charge in an emergency, and give that person the information.

Surprising, isn’t it, how much a person needs to know if she or he is to take over your personal affairs in a pinch? My life is quite simple: no minor children, no child custody decrees, no alimony or child support, uncomplicated investments, no special healthcare issues, no homeowner’s association, no mortgage or rent, no employees, no vacation home, or the like. A young or middle-aged couple or a single parent’s data would be considerably more involved.

As circumstances change, you’ll need to remember to update certain pages. If you’ve saved those pages that contain no sensitive information, this task should be fairly easy. If not, you’ll have to retype entire pages…a hassle, but better than having them reside on a computer that could be hacked or stolen.

Plan to spend several days to a week thinking through and compiling the information another party would need to access important accounts, pay your bills, get  your insurance to cover your costs or collect life insurance; deal with doctors, lawyers, and your employer; care for your property; and find accommodations for your children and pets. With any luck, it won’t be needed. But if it ever is needed, someone will thank you.