Absolutely, there's no other choices but to cut staff or possibly cut some hours back despite being one of the few shelters that really stay open to make it convenient for the public.

We will evaluate it go through each of the recommendations. Of course it's going to have to be a prioritizing of what is financially feasible and what is practically feasible and whether it goes with our mission or not.

This has been a great process. Hopefully, it will help put all of this behind us and we'll move forward.

Watch your character; it becomes your destiny.

If you belong to a credit union or any associations, check to see if they have any sort of guaranteed life insurance for which you may be eligible. You may be able to get some minimal insurance to provide for your heirs without having to undergo medical underwriting.

People in a crisis are not thinking clearly. Their emotions take over, and that's not a good place to be when it comes to your finances. Sometimes they feel like they have to get back to what they had before the disaster, but they need to be patient.