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A comprehensive guide regarding the economic part of disaster preparedness and disaster recovery. The guide discusses practical approaches to prepare for the expenses of a disaster and what is available for the economic recovery from a disaster. Included is information on how to negotiate with your insurance company and the bank that holds your mortgage, and where to go to replace your important papers. The guide includes all the government programs that are available for grants and loans to recover from a disaster, especially the programs that FEMA doesn't tell you about. This guidebook is designed for use by individuals and families, small businesses, farms and ranches, local governmental entities, and anyone concerned about limiting the financial devastation a disaster can cause.