Disaster Planning for Resume Writers

Good golly, it's been a while since I wrote a blog post.

But having seen the devastation of Hurricane Harvey, reading the Facebook posts of resume writing colleagues evacuating Florida ahead of Hurrican Irma, and having recently faced the untimely death of my "twin" brother, Sean, I am compelled to write a quick blog post about disaster planning.

I've actually written about this topic before. You can read some of my blog posts about disaster planning here:

• Business Interruptions: Natural Disasters
• Backup Systems and Disaster Recovery
• How to Backup Your Computer Files Automatically
• Business, Interrupted

The current wildfires in the northwest and the hurricanes and resultant flooding may be bringing your attention to the need for disaster planning, but even simple personal situations can trigger a huge problem. It pays to be prepared.

So here are four important things to consider:

• Review your insurance coverage at least once a year. If you don't have a separate business policy to cover your career services work, consider it. Mine costs about $350/year and includes business interruption coverage. In the event of a major disaster (most likely a tornado or house fire in my area -- hurricanes aren't really a thing in Nebraska), it will replace some of my lost income. Ensure you also have business insurance for your equipment -- your computers, for example. Your personal policy may not cover your business laptop. 
• To speed up your claim processing in the event of a disaster, make sure you have an inventory (up to date!!) of your home and office. Your insurance agent will need a list of all your possessions -- including purchase dates and serial numbers. Could you provide that at a moment's notice? If not, take the time to AT LEAST take photos of your stuff. When you do create an inventory (even a simple one to start), email it to yourself so you'll have online access to it. (Or email it to a friend.) And then keep it updated!
• The most LIKELY disaster you'll encounter is a small one -- a loss of power while you're putting the finishing touches on a resume, or someone steals your laptop. Ugh! In both of these situations, you'll be kicking yourself if you don't have a backup. Subscribe to an online service that offers automatic backup capabilities. And do a REGULAR (monthly?) backup to physical media (thumb drive, CD/DVD, hard drive) and keep it OFFSITE. If your basement floods and your home office is down there, it won't do you any good if your thumb drive is in your desk drawer.
• Have a will. Please, if you don't have one -- get one. Sean died without a will. It took almost two months and a court order to have me designated as his personal representative. We couldn't clean out his apartment until we got that (that was specific to his specific apartment's management policy), but what a mess. Even a basic will in the meantime is better than nothing at all, so consider an online service like LegalZoom or US Legal Forms.

If you're in the path of the wildfires or hurricanes or other natural disaster, stay safe. If you're not, take a few moments to address these four issues so the next time a disaster heads your way, you're ready.

Summer Issue of Resume Writers' Digest

The Summer 2011 issue of Resume Writers' Digest is now online -- and the theme is "Disaster Planning." After witnessing the destruction of tornadoes (Tuscaloosa, Joplin), hurricanes (Irene, anyone?), earthquakes (East Coast, really?) and flooding (right here in my hometown, Omaha) ... I was inspired to devote the theme of this issue to disaster preparedness.

Realistically, however, the biggest "disaster" that we will likely face as resume writers is health-related. Self-employed resume writers are more likely to face a loss of income -- and maybe our business -- from a health crisis than from a natural disaster. If you're paying for your own health insurance, you'll want to read our story on "Choosing an Insurance Plan."

You'll also want to read "Do You Have Enough Insurance Coverage?" and assess whether your business needs additional insurance protection.

Probably all of us have lost data -- whether from a hard drive failure, electrical power surge, corrupted CD, or other technological failure. Another article in the issue focuses on "Backup Systems and Disaster Recovery" -- providing tools to prevent your data from being lost forever.

Interested in getting the issue? Subscribe or sign up for a free membership at BeAResumeWriter.com and get access.

Business Interruptions: Natural Disasters

When you live in an area that is prone to natural disasters -- think Florida, Louisiana, Texas for hurricanes, or California for wildfires and earthquakes -- it's important to diversify your business, just in case disaster strikes.

I've written before about disaster planning ... but a key component of that is being able to get back to doing business -- either while you're evacuated, or after the power comes back on.

Hurricane Ike -- and the devastation it has brought to the Texas coast -- is a perfect example of this. If you're a resume writer in this area, it would be wise to consider partnering with another resume writer who doesn't live in an affected area, or shifting at least part of your business to subcontract writing for other firms. That way, when disaster strikes, your total income is not dependent on local clients, who may also be suffering from the tragedy.

Look at New Orleans after Hurricane Katrina. A huge proportion of the state's population simply left the state after the storm, in September 2005. If you were reliant on local clients, they simply disappeared. Many of them never came back. If you're a resume writer in Galveston today, your clients (hopefully) left in anticipation of Hurricane Ike. Who knows when they'll come back. My database of resume writers shows 20 professionals in Houston alone. What are they doing today? Many of them don't have power. Some of them have damage to their home and/or office. Business interruption insurance is nice ... but it will take time to get back up to speed.

If you have a relationship with a subcontracting firm, you can adjust your workload while you evacuate ... and then quickly start accepting new projects once you're settled somewhere (if you evacuated), or once the power comes back on. With firms like CareerPerfect, you can write from anywhere you can get access to a computer and Internet connection. Everything is stored on their digital servers, so even if you had to leave without your paper files, it's all on there.

If you're interested in learning more about subcontracting, be sure to order my special report, "Making Money as a Resume Subcontractor" (it includes more than 30 individuals or firms looking for subcontractors; available for immediate download as a PDF.)

The report also includes a sample cover letter you can use when approaching subcontracting firms, plus "red flags" you should watch for when selecting a firm for a contracting relationship.

Note: If you are looking for IMMEDIATE subcontracting opportunities, I received an e-mail from a resume writer who is actively seeking out 2-3 new subcontractors to assist her with projects. Pay ranges from $100 to $175 per project, and no client contact is required. She's looking for creative, dependable CPRWs with at least five years' of experience. Purchase the MMRS report and look for the "NEW!" designation in the listing of Subcontracting Firms for her contact information.