Dear Heloise: I live in an area where we have tornadoes and have to take cover in a hurry. I bought a legal-size plastic accordion folder and put all our documents that would be hard to replace in it—marriage license, birth certificates, passports, house deed, insurance policies, contact info and car titles.

When I have to take cover, I grab the folder and my purse and go. When I know in advance that we’ll probably have to take cover, I grab the folder and my purse and put them in our take-cover spot ahead of time. Now I have one less thing to worry about in a stressful situation....

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