When writing this document, describe your "ideal" scenario, but also think about all the complications that may crop up and derail your plan. For example, what if both you and your spouse die, but your children survive? Or, who should get what share of the money if your spouse is badly hurt and can't resume caring for the kids, so they end up in the custody of a relative? What if your designated executor or custodian is unable or unwilling to perform the duties? And in an extreme case, if there are no surviving relatives, do you have any favorite charity?
Most break-ins are purely opportunistic: thieves are in and out within five minutes, quickly rummaging through all the places where people usually keep valuable stuff. You can bank on them going through every nook and cranny of your bedroom, looking under the mattress, peeking into every drawer - and grabbing everything that looks shiny and is easy to lift. Their usual targets include phones, cameras, tablets, laptops, jewelry, firearms, loose cash, checkbooks, credit cards, and prescription meds. Vital documents that may be useful for identity theft or benefits fraud, such as drivers licenses, passports, and SSN cards, are also a fair game.
Flashlights. Unless you are living in a rural area, you don't need an eye-searing torch that chews through ten boxes of batteries in a day. Get two small, high-quality AA flashlights that give you at least 20 hours on low power; keep one near your bed, and another in your car or in an emergency stash. For a low-cost option, try Fenix E12 ($25). If you want 100+ hours of battery life and don't mind the price tag, check out Fenix LD22 ($55).
Business for Hardened Structures, an engineering firm based in Virginia Beach, is up roughly 40% since 2005, co-owner Brian Camden says. Some of his clients buy gold and silver and other precious metals as a hedge against a possible collapse of the currency, and they want to be able to protect it and their families, he says. So his company designs ways to build underground bunkers, strengthen walls and improve security systems on homes.
Survival kits, in a variety of sizes, contain supplies and tools to provide a survivor with basic shelter against the elements, help him or her to keep warm, meet basic health and first aid needs, provide food and water, signal to rescuers, and assist in finding the way back to help. Supplies in a survival kit normally contain a knife (often a Swiss army knife or a multi-tool), matches, tinder, first aid kit, bandana, fish hooks, sewing kit, and a flashlight.