S1 E34 Shit2TalkAbout Emergency Preparedness with Tina Ginn
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Jenn Junod
Hey, Tina, thank you for joining shit. You don't wanna talk about. Please introduce yourself and what shit you wanna talk about today?
Tina Ginn
Oh, thank you so much. Jen for having me come on with your listeners. My name is Tina. Again. I am an emergency preparedness coach and an app developer of your backup plan app, which is located here in beautiful Vancouver BC. Not too far from you.
Jenn Junod
Thank you. And what is emergency preparedness? Like what I mean? My mom help me to have all the like stock food like for years on end and wants me to emergency prepare. I will admit I've just promised her that I will show up at her house in case anything happens. Probably not gonna store it myself, but that's like the only context I have for emergency preparedness. So what is that?
Tina Ginn
I think it's the only context for, for state leaders as well for provinces in the states. Because whenever anything does happen in a disaster, a natural disaster, the first thing that the senators and, and people that come out to the problem, the hurricanes or the wildfires or whatever it might be, they'll say we've never experienced this before.
That's what they always say that. So that gives them the right to not, you know, kind of not be prepared. So I think that we should all be prepared because we used to be prepared. We used to in the Prairies like think of Little House on the Prairie.
Tina Ginn, Jenn Junod
The dad would roll up the important documents in a brown paper bag and roll it tight and stick it in the rafters and say, you were taking me old school with little eyes on the prairie.
Jenn Junod
I was just like I actually used to have the entire book set. Sorry, that got me very distracted. But yes, like as you're just saying, putting important documents in the rafters. Yeah.
Tina Ginn
they, and, and everybody knew that's where they were, but we don't do that anymore and we have so many more important documents we have like if I was to say to you, Jen, what is emergency preparedness? And you obviously just come up with a bag. What other thing comes to mind if you're going to think about emergency preparedness?
Jenn Junod
I would say documents such as like birth certificate, social security card. I know I know us, documents, driver's license. And then after that, that that's documents from for myself. And I, I only honestly know this because my mom is gonna be so happy when she listens to this podcast that I actually listen to her at some point. But like my medication, it's like, even though I have like daily medication, I have to take so many that I have them in a tupperware that if I have to go, I can
dump and go. she, I'm ok. Basically, I'm just naming things. My mom has taught me to have kitty litter and two gallons of water at all times in my trunk and a shovel. And because if you get stuck in the snow, an extra jacket if you're ever traveling, make sure you have walking boots and things that can withstand the snow, have extra sleeping gear and things to keep you warm. And that is all that I'm really aware of for emergency preparing.
Tina Ginn
First aid kit.
Jenn Junod
First aid kit. Yeah. Yeah. Yeah, first aid kit. Yeah. And, also how to get the animals out of the house.
Tina Ginn
Right. So you're prepared for your car but not prepared for anything that might come further than that. So, a will, a power of attorney, a living will.
Jenn Junod
I know I, I have a living will that, only because they make, when I went into a craniotomy, they make, you make one because it's such a serious surgery that they're like, it's your brain, you might die. So you have to create one and, yeah.
Tina Ginn, Jenn Junod
Yeah, I would have never thought about my will because they don't want the responsibility put on to them.
Tina Ginn
That's what I hear a lot from my clients that are, are nurses or in the medical, system. because a lot of times, you know, they'll have a, someone standing in front of them and they'll say, look, you're going in for surgery today. Who can you call to go look after your animals? You're gonna be here a week, you know, and, and they have nothing planned nothing.
They are like, I have to go home first. Well, you can't So I ha, it all started by me being prepared because I had a girlfriend who turned 60 she had a cough at around Easter time. And her husband called me and said, could you pick her up after she goes in to the hospital for tests and bring her home because they were running a little dollar store. And I said, sure, just give me a shout.
So he called me later that afternoon and said she won't be coming home. She's staying in the hospital for more tests. Then he called me the next day and said she has stage four lung cancer and won't be coming home. Oh my God. Yeah. So from a cough to that, so I would go visit her every week and it was six weeks and she passed away, but in one of the visits that I bring her a cup of tea because you know what the tea and coffee tastes like in the hospital.
And she was like, it was so shocking every time you'd go up in the elevator and the doors would open and I'd look at it and say, oh God, what is she gonna look like today? You know, every single time, how is she gonna look today because she deteriorated so quickly from sitting on the edge of the bed to lying in the bed with oxygen, you know, like it just progressed so quickly and I took her out on the patio one day.
And she said, she grabbed my hand and she said, you know, Tina, I just wanna see the blue sky. I just wanna hear the birds and I just want to feel the breeze on my face. That's all I want. Because when you've been go into the hospital and then you can't get out and you never thought this is the end. Like your life literally changes in, in the split second.
And I took that and thought to myself, you know what? People don't have their shit together. People don't have their stuff together. She doesn't wanna sit and sit there with you and talk about, well, where's my key for the garage? And where's the shut off valve for the gas line? I don't wanna talk about, did you get the accounts done for accounts payable or did you pay those drop offs that came to the store or did you pay the utility bill?
Do you know how to pay the utility bill? Do you know how to pay the mortgage payment? Like she's not sitting there doing all of that. She just wants to be present. You wanna be present in the moment? You wanna give that person strength and empower them to recover if possible. I mean, that's what we all want. We want the person to be able to go home and you never know what miracles come like.
You don't know if they've been given, you know, this time to spend for the last moments or whether or not they're gonna last another couple of years. Who knows? We've all seen it, we've all seen it in the news, right? How someone lasts longer than what was expected. But so it is possible and I was determined after that and said to myself, people need to be better prepared for whatever comes if you lose your wallet, you know, we do workshops all the time on Zoom and Facebook about what's
in your wallet. Can you put your wallet on the counter right now and take a piece of paper and write everything that was in that wallet? Probably not. That's what I find anyways without looking in your wallet, of course, or guessing what was in your purse if it was stolen or lost, you know, mine is the bottomless, bottomless pit.
Jenn Junod
Like it's like a Mary Poppins bag. It is literally like a giant bag that just no one knows what's in there. That's right. Oh Well, talking about that you, you mentioned about a wallet and if you're in your last days at the hospital and there's so many scenarios that are just going through my head. So I before we dive into those you mentioned on how you have this app that you, you built and you're a lot of it came from your friend that
passed away. How, how, how did you become an app developer? Because that's pretty cool. Like, I don't know if I'd be able to go, hey, I'm gonna go make an app. It's gonna be fun.
Tina Ginn
Well, it's funny because I think the universe set me up all along my path. You know, I sold real estate. I was a realtor. I went into finance. so I was a financial advisor for over 20 years. I have my Microsoft Certified systems engineer. behind me, I, I'm certified with that. So I worked with software developers and I worked with software for about six or seven years.
So I tested a lot of apps. I tested a lot of programs and I was familiar with it, not knowing at that time what I was going to be going into. but with the financial world after experiencing that I even sold cars on a car lot for a while and I feel that it's all experience to, to be better prepared in all aspects. The only thing I haven't done is house insurance or business insurance.
So, but I have spoken to and done a lot of interviews with people in that field. So it's worked out really, really nicely so that I can tell people and help them understand what life insurance do I have? When does it end? When does it go up in price? Does it renew all of those things? Do I, have I fixed the beneficiaries lately? Have I looked at that?
Does it is my life insurance for, will it be on claim? Like if something happened to me, there's two different types of insurance. There's ones that you've already been pre-approved and it basically, doesn't matter what happens to you after you will get your life insurance, then there's another type where you get approved after something happens so they can look back in your history and say, well, you know, you knew about that cancer, you know.
So we're not gonna give you the life insurance. Oh, wow. Yeah. So there are different types and you have to kinda know what do I have and how do I know what I have? So those are the kind of workshops that we look at doing and interviews and videos that we have in our library where you can just click, you know, you could be sitting by a fireplace one day and I'm just gonna do one of Tina's 20 minute videos and take a look and look at my paper and see what do I have.
And if I still don't know, I can go on a consulting call or I can go on a workshop and it's kind of cool in a workshop because you have 56 tw 10 different people and they're all looking at different things. So you're getting better knowledge about different things that you might not have asked yourself. So that's really cool. The other thing that we do is for wildfires or hurricanes or any natural disaster.
So so to speak, we look at getting photos of your rooms done and you can just take pictures in your app of the different rooms. So here's the kitchen, here's my living room, here's the dining room, here's the furniture, maybe, open up the cabinets and take a picture of what you have in there. Any hobbies or art or collections or jewelry or anything like that.
You take those pictures and you put them into your app. You can decide who wants them when you pass away. You can also take those photos for insurance purposes because the insurance company is going to want the information. You're not gonna have your receipts, but they want pictures and they might want both. So I help you get your paperwork together in the beginning, get this out, get that out, find this, find that, get it all put together in one place.
And that's what your backup plan really is about is getting your stuff in one place in case of any circumstance. And then it helps take away that painfulness after so to speak if that's a word.
Jenn Junod
I, I'm, I'm swimming over here. This is why you keep getting like funny faces from me going. But there's so much and, and I remember when we did our intro call, you talked about that you used to have it kind of like in a binder for people to look at and I love the fact that you created the backup plan and now I really need to go download and start doing this because I'm just swimming over here because I just in, in a few of the items that you just mentioned I rent.
So like figuring out the differences between renters insurance and house insurance. And then also like what, what happens if there is a I OK, let me, let me break down my scenarios because I have a lot of questions. So let's say my car is stolen and my laptop, my wallet and my phone are all in that car. What do I do?
Tina Ginn
Well, you can access your account from any tablet or any other phone. You can log in to the app and get your information. So in your app, you would have pictures of what was in your wallet. You can add pictures of what's in your purse if you have anything in particular. Otherwise I know I just have a lot of, you know, quick bars and, you know, and you know that kind of nail file, you know, that does not exciting stuff.
Tina Ginn, Jenn Junod
No, not, not too, not too exciting.
Tina Ginn
so with the phone part, that's ok because we can access it from a different place. You can log in anywhere, you could be overseas and you want a copy of your passport because you can't find it and you can go down to the embassy or, or go online and find out what you can do to get it back. that type of thing. But it's always nice to know what it actually look like and the number and everything on it so that you can give that information to the, those companies or office or wherever you're at.
but it, it's kind of cool because I was thinking of the condo collapse that happened last year in Florida. Yeah. And all of those peop poor, poor families. So of course everything happened and there's some people that lost their places that are alive and some that aren't here. But of all those items that they found even today that they're finding they are putting those items for people and families to say is this theirs, was this theirs and some of that stuff I don't know about you.
But would you be able to know what your mom had? Like? I know I would know a few things, right? Maybe the ring or, or a necklace. But I don't know everything. And so if she had have taken photos of her jewelry, of her art, of whatever, then you would be able to access that and be able to go in and say this was my mom's, this is the photo, this was my mom's, this is a photo.
Jenn Junod
What happens in like the the car scenario if, if we're not using something like the backup app, like I know I've had something similar happen and, and the Googles is, it is always the easiest to figure out what to do with, to know everyone to call. And I, I can see the value of the backup app. I'm just, like, trying to even imagine, like, what would be, like, life would be like without that.
Tina Ginn
Yeah, I know. it would be a whole lot of paperwork and the problem that I've seen in 99% of the houses that I've gone into and I'd say get these documents out and they find them in the kitchen drawer and in the closet and the filing cabinet, they're, they're all over. I mean, even when Aunt Sally passes away, where is her shit? Where is it? Yeah. You know, like we don't get mail anymore so you can't depend on the electricity bill coming in.
You can't depend on, well, who do I give the mortgage payment to or how do it? Like if she's stuck with COVID in IC U, where do you get her stuff? How do you pay her utility bill? How do you pay her rent? How, how the person can't talk? So, how are you going to do this?
Jenn Junod
That, that reminds me my mom was a paralegal for majority of her career and for some reason she ended up the lawyer that she worked for, ended up that we needed to clean up their house after they passed away and it was completely destroyed with mold and ants. And me being a very, very curious 12 year old I went exploring and I found a safe and I found the keys for the safe and it had over, yeah, it had over $200,000 worth of bonds and now I didn't get to keep it.
I was really hoping, but his family had no idea that was there. They had no idea because that he was, he was like a hoarder, you know? And, yeah, it was the type of thing that, that's something that could have been really easily overlooked. Yeah. And I can, ah, that just gives me the heebie Jeebies just thinking about it.
Tina Ginn
Absolutely. Do you know? I mean, how many websites there are to find people's money that have passed away? Oh, wow. I mean, just think, do we have one bank account? Does anyone have one bank account?
Jenn Junod
Yeah. Normally not anymore.
Tina Ginn
Not anymore. We have multiple, we have maybe ones we don't use anymore. Maybe we have investment accounts. Well, how does the family or anyone know where to go? Who, where to find it, where to find your accounts? Did I get them all? did she have Life Insurance? You know? Is it, where do I, do? I have to call every single company to find out. Did she have funeral arrangements?
These are the biggest money grabbers of, of everyone is the insurance company because you bought Life Insurance. You've been paying for it but you haven't told the family or friends where, or what it is and then they don't put a claim in for it and it just stops. Whereas, you know, they could have put a claim against it.
the other one is funeral arrangements. If no one knows that you made those arrangements, then how is the family supposed to know where and what you wanted or where or what you bought? You have, I have friends that have no clue. They, the parent insisted they bought funeral arrangements but they can't find it.
Jenn Junod
Oh jeez. How? Because I can see a difference, especially with it being technology that some generations may not want to use an application, you know, an app to be able to do this. What would you suggest to those generations or individuals to be able to be more prepared that don't want to use these apps?
Tina Ginn
Well, the I would, I will be launching the blueprint program so you'll be able to print off all the worksheets all the steps to what to do and how to do it. You can watch the videos, even getting your files together, even getting the documents together. There'll be interviews with lawyers, attorneys, from different countries and different cities so that you can really learn about why you should be doing it.
It's not so much do it. Tina says to do it, but why am I doing it? I want women, especially to be empowered to know that they can get this stuff done without him. And why I say that because I've done many trade shows and women are walking along with their baby buggy. And I'll say, do you have a backup plan? And they look at me and say, oh yes, my husband has all of that looked after really? I'll bet he doesn't. And I bet you don't know what he has and I bet you don't know where it is. So, how is that
helpful? Because when something does happen we are left going. Ok. What do we do now? Because I have clients that have looked for a will for their dad for a month in the house. And, I mean, you have to take time off work just to go through this house with friends and they found it in a garbage can.
Yeah, they looked in the safe. They thought, oh, the safe, it's gotta be in there. They got somebody to come in and open the safe because they couldn't get it open and they had Home Depot flyers in it.
Jenn Junod
Oh, that's definitely worth saving.
Tina Ginn, Jenn Junod
Yeah, they must, he must have wanted to buy something and, and talking about the safe that I, I've heard of that.
Jenn Junod
It is very smart to have a safe because especially you can look into like, fireproof safes. I honestly don't know if there's waterproof safes, but I'm guessing there are yet, I've heard of a lot of people getting like smaller safes yet in my head, I go, well, a robber can come in and just take the safe. It just, it can walk out of the house. That's what do you, what do you suggest to people to get started? Even on something to protect their valuables from burglary?
Tina Ginn
Well, the bank deposit, is always an option but I always don't recommend it because in a natural disaster or when there's a wildfire, the banks have to, bring all of that information and, and put it aside or if you don't know how to access Aunt Sally's bank deposit box, that's not very helpful. She could have the whole world in there, but you can't access it.
So I always like a safe, but the safe has to be big enough. There's like a medium size safe, which I recommend or people have larger ones, but they all get bolted down to the floor so you can't steal it. But I have, they are fireproof but they're only fireproof to a certain degree. And so one of our cities, actually, our small cities in British Columbia in the summertime had a wildfire and it burnt the whole city and the wildfire actually was so hot that it burned his safe.
He, it was on the news. Oh, wow. And he, the only special things he had in it were hockey cards that were worth a lot of money. But at the same time, you thought, you know, you had it covered because it's fireproofed, but it's only fireproof to a certain degree, maybe a small house fire or, you know, but once the fire just, you know, wildfires are crazy.
Plus the wind and, you know, takes, I think the only left standing was the fireplace. Oh, my gosh. So, yeah, so that, that's recommended. But then how does someone access the safe? So in the app you can put down here's the code for the safe and take a picture of it so that your family member knows. Ok, that looks like it's in that closet. Ok. I I can go to it. It's not for burglars to know or someone to take.
You don't need to take a picture of your will of every page of all that information. You just need a picture, a snapshot with your phone of the co front cover of the will and then you put where it is or take a picture of where it is. Yeah, you know that type of thing. So it's helpful for people to know where is your stuff.
Jenn Junod
What do you suggest for individuals to do when it's an emergency comes like a few months ago. The area I live in was in pre evacuation. So we may have been evacuated and I, I feel like that's also something a lot of people don't always think about at all.
Tina Ginn
Yeah, absolutely. I, I've been in five minute evacuation notice a few times in my life and it's really scary because, you don't know when you're actually how much time you actually have. Sometimes in many instances, especially over this last summer here in British Columbia, it was, people weren't even given five minutes. It was like, grab your bag or grab your kids or grab your animal and get in the car and go.
So I prepare you by having a kit and getting that kit ready, so you can just grab it. Everything that's inside the kit is actually in the app as well. So you have both covered. It's like a true backup of your documents. I also go through, you know where the shut off valves are, there's an emergency kit, preparedness so you can go shopping and you can go down the list. And I've made it COVID ha. So you can make sure you have your mask or, you know, all, all of that other stuff that we've now
needed in the last two years. So there's shut off valves, there's photos of your rooms and of your items. There's and, and you don't have to worry about all of that. You'll have your go grab bag and you'll have your document bag and you'll just grab your jacket or blankets or whatever it is and, and you can go really, really quickly because you've looked after all of these things beforehand.
Jenn Junod
What's the weirdest question that somebody has asked you about this experience and having a backup plan
Tina Ginn
that I guess the biggest one that I get is I have a will. Ok. Ok. Hm. Nice. But that's only 1/10 or 1, 1/100 of the information you need when someone passes away. Like I said, you could have utility bills that need to be looked after you have access to their computer. Some, you know, sometimes you have to pay someone to come in and break into the computer so you can figure out what that person has. digital assets. That's a whole other topic in itself. We have a lot of digital assets.
Tina Ginn, Jenn Junod
Now, online we have Xbox, we have gambling, we have, NFTS, we have Bitcoins, we have, accounts, we have reward points like I'm laughing because I'm like, I know some of those are things, but I have no idea how those even work.
Tina Ginn
Yeah. But some people have them and if they were to die today, how do you know what they have now? How do you know where these accounts are? And so it makes it really simple. Even if you don't have a will, it will pop up on your screen and say, do you want one? Do you want a quote? Do you want someone to help you?
Do you need to renew it? Do you need it? Is it current? So it really helps you like your car insurance. It will pop and say, you know, March 30th, your car insurance is up for renewal, that type of thing. So you can really put in this information and have it useful on a monthly basis.
Jenn Junod
Not just, well, when am I ever gonna need that, but so when it comes to the backup plan and even the blueprint, how long does it normally take to put all of this content together? Because I'm just thinking even, you know, I'm alive and kicking for now, knock on wood that I'm like a, that's a lot to do. That's, that's the point on that right now is I'm like, how do I figure out my will? And luckily I, I have a lawyer that will be on the podcast that will talk to us about that.
and cool. That's one part. how, what do I do with all my banking account? Because I don't even always remember my passwords. what accounts do people need to know about? Because, you know, I have my business stuff. I have my personal stuff. I may have a work account might have an account with my partner and I'm just like, just thinking about it. I'm like, that's a lot of stuff to go find and create and put somewhere.
Tina Ginn
it's easy though because you just take one module at a time. So today I'm gonna find my bank accounts. I'm not gonna worry about anything else, just my bank accounts and I'm gonna write them down and then the next module might be, what bills do I need to pay? If I wasn't here for a month or two, what bills need to be paid that I know of and how do I write the account down and how much the person should pay just roughly.
so that type of thing would be better, you know, you'd be better prepared because it's just gradual. You just take one bite at it at a time. And I always say one or two modules when you've completed them, you're like, wow, this was easy. Now, the first step is getting your documents ready and it really can't be any simpler because I show you how to put them in a file.
I show you how to record them and I show you so that when you wanna do a workshop about, you can just yank your life insurance policy out of the file and say I've got this or I don't have life insurance. I should look at that, you know, whatever the scenario is, but there'll be, you know, there's worksheets about just a family conversation with your mom.
Exactly. With your parents, with your sister, with your brother, with your spouse. Like I said to my ex-husband one year, he said, what is your New Year's resolution? I said, well, I don't know what mine is but yours is. You're getting fixed and you're going to get a will done well, Happy New Year.
Jenn Junod
And, and I, that, that brings up another topic of how do we like, does your content like the backup plan and the blueprint, does it give us resources to go look for things like life insurance? Like you mentioned of, I need to go get life insurance. I don't know how to do that. Yeah. So you, you're basically what I'm hearing from the backup plan is to start adulting when you really don't want to adult is that's when these are things that I know.
to your point, we used to do, we used to teach these things and to this day, I will figure one of these things out and I'll call my mom and be like mom. I'm adult team today. I'm adult team. I actually, this is a really tm I thing but, I folded my underwear drawer to get more to fit in there with my socks and I called my mom and I'm like mom, I fit more in the drawer because I folded and she's like, I'm so proud of you.
Tina Ginn, Jenn Junod
How old are you or rules or rules?
Jenn Junod
Yes. Yes. So that being said, not everything is, is passed down to us and can seem very overwhelming when yes, these very, very small wins are, you know, seem extraordinary because it's adulting yet. I wouldn't know where to start with life insurance. For example, So does your platforms give us that, those, that information?
Tina Ginn
That's right and depend depending on what country you're in, you can just go down the list and say, ok, I'll just, you know, call these ones or go online and check these ones out. And then we have interviews with agents that are in house insurance, car insurance, life insurance attorneys talking about wills and power of attorneys. Because sometimes when you watch one lawyer or attorney, you're at least this is how I look at it.
I probably understood maybe 5% of what that guy just said, right? Has everybody experienced that or? But if I have multitude videos on the library, well, that one didn't make any sense. Let's try this one. And then it was like, wow, that made so much sense. So that's my purpose is because I know that there's different things that people say in different ways that make more sense than others.
So I wanna be helpful and say, ok, I want you to know and understand what to ask when you go get house insurance. So many agents don't ask you all the details. They just, they don't say, well, do you want your art collection more insured than the rest of your policy? Right. You know, so why, why don't you go in knowing what to ask, knowing how to ask it?
Jenn Junod
That's a good call because I'm like, I wouldn't know, I actually, as you're stating this, I'm like, oh, intern or art is worth quite a bit. So is jewelry where electronics can be, like with age can be valuable. Art can actually go up in value. And I'm like, oh, I didn't really think of that.
Tina Ginn
That's right.
Jenn Junod
Now, does insurance when you go to get like health insurance? Do they help you value things? Especially when they are passed down to you.
Tina Ginn
no, they'll ask for appraisals.
Jenn Junod
Where do you go to get appraisal?
Tina Ginn
Oh, there's so many appraisal companies like it could be art collection that you need to get appraised or some jewelry or something like that. And you're given a certificate. So that's what you wanna use when it's, when it's something particular like that, you wanna be able to give evidence of what the value is. But I, I'm going to change it a little up for a quick second and I'm gonna ask for someone like yourself and there's lots of us out there.
What would you want done with your podcast? I mean, that's just a simple question that we talk about with your backup plan. Let's talk about what you have online. Do you want to continue? Do you want someone else? Do you wanna give it to someone else to continue it? Do you want it to stop what, you know, what do you want done with it?
Jenn Junod
That's a great question. And earlier today I actually recorded another episode, and it's with, the guest has a company called Best Life, Best Death. And she teaches about like the five pillars of the physical, the practical, the emotional, the spiritual, I should remember what the fifth one is now. Oh Legacy, legacy. And I it, it got me thinking quite a bit because a lot of what you're talking about, it does go into a lot of what she was talking about.
But it's much more on the physical side of things, the, the logistics. And my mom's actually asked me this, she, she's the wise one in this conversation of like, what would I want to have done in the podcast? And I, I don't have employees. I have volunteers and it's just me as an LLC. And honestly, if they could find a new host, I would want them to, I would want this to be greater than one human. It's like, it has a purpose for humanity, not just, you know, to make a few bucks.
It's like, actually there to make social good. And yet I, I was actually gonna be asking you this too. I have no idea what to do with, like, business insurance. I was excited. I figured out how to get my LLC and I got myself a checking account. I was very excited after that. I was like, ah, yeah, happens. And I, I also don't know who in businesses do you end up making a business beneficiary then?
Tina Ginn
So, with a business it's a little bit different because you'd have to have its own, its own account just for the business because you personally are one and your business would be like a different family. Got it. Yeah. So it has its own accounts. It has its own people that owes it money. It has people that you owe money to. You have a car in it. You might have toys in there.
You know, I have lots of contractors. You could use that as an example. They might have equipment, they might have toys like C DS and a TV s and all of that kind of stuff. Well, that's a huge problem. And I've experienced so many times with women that are left holding the bag after their husband passes away and they have no idea about their business.
No idea. You know, all they know is they go to work every day, come home and they have that and they might have, you know, certain employees that they know, and I've had lots of clients that have had to go in and terminate all the employees after someone passes away because they need to close the business. So there was no plan, there was no one. Well, what if I don't die?
What if I'm running this business as a contractor? And I have all of this stuff, but I don't die, but I'm in the hospital for six months. Yeah. What does the wife do? Yeah. How does she continue operating. Is it a partnership does? So the partner want the wife to be part of it. So there's all sorts of questions that come up that you have to give the scenario to. And the business aspect is, is a whole other ball of wax because you have to look after what you know of in the family and then have a
separate one for the business itself. It has its own, you know, employees perhaps, or volunteers or I mean, your backup plan is even as simple as I always thought, if I'm lying in the hospital and I'm there for weeks on end, I would want certain people to know I would want visitors. I mean, I don't know if we're going to be allowed it yet.
Jenn Junod
Right.
Tina Ginn
But I would want people to come visit me and how does my family know who to contact? Yeah. So there's all these different aspects of the backup plan. Like there's a contact list and you can put in there. This is my accountant. This is my lawyer. This is my, my neighbor down the street. this is my girls book club.
Tina Ginn, Jenn Junod
This is my, you know, all of that kind of stuff because your spouse doesn't know my, I try to tell him all of this but, you know, he tells me and he's like, Jen, sometimes you just talk and I don't listen.
Jenn Junod
I'm like, that's, that is fair. I think this is how it works out so well because I do just talk sometimes. And on that point though, how do you bring up this conversation? Let's say your significant other does have a business. How do you start that conversation or you know, your significant other hasn't figured out their backup plan, but you're working on your own. How do you start that conversation?
Tina Ginn
We have worksheets, yay worksheets. So you print the worksheet off and we have workshops on Facebook. Sometimes we have them on Zoom. Sometimes you can do them as a group. You can just do them with your own family. Grab some wine, grab some Appy, print your worksheet out and you just tick down the boxes and go.
Well, the first question is, you know, Sam, what do you want for this? What do you want for that? And they just answer and then by the time, you know, you don't even have your glass of wine finished. You're done the worksheet.
Jenn Junod
OK. That is, that is really exciting to hear that there's a supportive way to start bringing that into the conversation. And I know that we're, we're at the 45 minute mark and I've been asking so many questions along the way. So is there anything that you wanted to cover that we haven't covered yet?
Tina Ginn
I just want people to be empowered to know that it isn't hard, it's step by step by step and that whatever might occur in your life. Doesn't matter if you've got, had a stroke or your mom has dementia or, like I get asked for older people too and say, Tina, I'm sitting beside my mom and she says that I don't need to know her accounts. I, I've heard it because they don't think they're, they're going to die.
So they don't think that there's any need for you to know. So it's too late, it's too late to go over those things when something's already occurred, when your house is burned down. When your house is flattened by a hurricane, you know, all of these things, it's too late. So do them while you can, while you want to, while you can ask those taboo questions because it, it just makes things clearer.
It makes there's nothing worse than having regret and wonder after did my mom want that? Did she wanna be buried there? Did like why, why, why not ask beforehand, why not have all of that down so that there's no fighting after there's no arguments. Well, my sister said this and I don't, I don't agree, you know, all of that kind of stuff. You can eliminate all of that and you can take it to another level too by saying I'm gonna put stickers on my furniture or on my items and this is who I want
it to go to after. I mean, you can be as anal as you want to be in this program, you know, you can do just what you need to do and you can, as time progresses, just start watching the videos, you become more enticed to understand and therefore it makes it easier. I'm, I'm just wish we got taught these things in school. Yeah, because we don't, and we're not prepared. The state isn't prepared, the provinces aren't prepared, the country isn't prepared. You know, we weren't prepared for
COVID. We weren't prepared for disasters and, and oil issues and oil spills and, you know, all of these things. And I was thinking the other day, where is the emergency preparedness team when it comes to, like, the, NATO or, or in Japan when they had those, those big tsunamis? Well, no, they have those, oh, gosh, what is, what is, are they called? it's like in the oil field where, where they were out and they had that big oil spill because one of the, one of the pipes.
Jenn Junod
Yeah, I know what you're talking about. I don't remember what it's called.
Tina Ginn
Why don't they have a shut off? But why is there? No, like backup plan? I, I just, I don't get it. You, you, are, you, like, it happens all over the world but there never seems to be, well, this is working great. But what happens if there's a leak or a earthquake or anything that wrecks it?
What do we do then? So, I think II, I can't take over the world but I definitely wanna help people better understand what they need to get their shit together. And I, there's too much stuff up in here. Your spouse doesn't know.
Jenn Junod
And I can appreciate that any words of wisdom for our listeners to get started on this. Even if it's not to do the backup plan or the blueprint just, just to even look into this world.
Tina Ginn
That's right. you'll find that there's a whole bunch of stuff out there, but it's mainly for when you die. So I wanted to take the avenue of looking at anything that could occur in your life, whether it's a car accident or cancer or a wildfire or a anything, that affects you, whether you're dis dis disabled or whether you can't talk or whether you're, passed away, whatever the situation is, I want you to be better prepared and looking at if you have a small business.
Well, if I can't work for two or three months, how can I pre pre, look at who can I hire or who other physiotherapy or physiotherapist that I know that could look after my stuff while I'm getting recovered and then I can do the same for them. So I want them to look at all these different things because if you're a hairdresser, a physiotherapist and you can't work for a few months. Where do you think the client's gonna go? And are they gonna come back to you.
Probably not. So, why not have a backup to? This is what I'll do for you and you can do it for me. If I'm sick, you're sick or holidays or start looking at how to, succession plan for your business. What do I want if I get dementia, what do I want to have happen? Who am I gonna put in those positions? What does that look like? Know what your husband has, if not know where it is to access it all of these different things. I could go on for like all day.
Jenn Junod
Well, because I, you have a lot of content, good content out there and a lot of knowledge, how do people reach out to you find out more? How do they find out? Especially I really like the idea of the blueprint like in that coming out. So how do people get in touch?
Tina Ginn
So the blueprint like everything's on the website, your backup plan dot C A and the apps are on there, you just have to click on it if you have a Google or Android or iphone or tablet, easy to use. you put in your profile and then you first make a guest user, the guest user will have access to your profile when needed. So it will be really, really good to have that set up first and then you just start the different modules and then you Yeah.
Jenn Junod
Ok, cool. And then last but not least what is something that you're grateful for?
Tina Ginn
I am so grateful for having then put in this position to arrange everything like this develop from scratch and offer it to people to be able to have better access and better understanding of how to be better prepared and be on shows like yours and, and just getting the word out there because it, it's so exciting to have people contact
me after and say, you know, I only did one or two modules, but it really helped because this is what happened, you know, so it's just really exciting for people to be using it.
Jenn Junod
Great. And I'm, I'm even as you're saying that I'm like, I should go set that up. Especially with having so many guests that bring it up in different ways. And that's the way we learn. And, and I would say that is my piece of gratitude for today is the fact that we are able to, even if you have five people see the same type of information, they'll say it differently that will hit someone differently. Yes. That was very repetitive. But I can be told the same thing from five different
people. And it's not until the sixth person tells me that I'm like, oh, that totally makes sense. Yeah. And I've had to tell others, I do try to go back to the other five and go you told me the same thing. I don't know why I didn't click, but I'm glad it did now. So I am very grateful that we keep having guests like you on the podcast to really help us start understanding the shit that the logistics of life.
Tina Ginn, Jenn Junod
I guess you could say that shit that we all have in our life that no one else knows about.
Jenn Junod
Yes. So thank you Tina for coming on the show today. Bye.
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