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Four steps can insulate you from financial disaster

Preparing for an unanticipated and unforeseen financial disaster may seem like an oxymoron. How can you possibly prepare for something that is unknown?

You can, as long as you remember that the only thing really “unknown” about most potential financial calamities is their timing. We know perfectly well we’re likely to have emergencies; we just don’t know exactly what or when. They may take the form of expensive car repairs, trips to the emergency room, the loss of a job or a significant investment loss. The question really isn’t “if,” it’s “when.”

Here are four tips on preparing for the inevitability of a financial calamity.

1. Get out of debt, now. …..

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