Have you heard? The world is chirping and rumor has it that we are suppose to have another recession. I know that we cannot believe everything we hear but why not prepare for it? This reminds me of the over 800,000 families who were affected in the government shutdown that occurred earlier this year, and a lot of them were not ready . If there was two things that we all should have learned from this is, it’s never a great idea to put all your eggs in one basket and have a plan of action for uncontrolled, catastrophic events.