I remember where I was five years ago, as the planes were getting ready to strike in New York. I was at the assignment desk in my TV newsroom. I had just been on-air, talking about how to get your home ready to sell.

September 11th, 2001 was a terrible day of destruction. A lot of people lost a lot of things that day – loved ones, jobs, favorite haunts, trust.

Natural disasters, personal disasters. They’re all pretty tough to take.

The truth is you can only prepare so much for the curve balls life throws. Start with a will, then a living trust. Be sure you and your spouse or partner sign living wills and powers of attorney for health care and financial matters. Be sure your important papers are well organized, and easily found. Tell someone where the lockbox key is and what your travel plans are. Prepare a list of important contacts and keep it by the kitchen phone.

This way, when the curve ball comes, you’ll be ready.

With practical, informative consumer advice, I’m Ilyce Glink, News-Talk 750 WSB