Everyday Cheapskate: Whether you like it or not, you need a good credit score

We get so many earthquakes in Southern California, we’re on first-name basis with the world-renown seismologist at California Institute of Technology in Pasadena, California, Dr. Kate (Hutton). She's become a local icon, popping up on TV the minute we start to rock and roll, keeping us cool, calm and collected.

While we have hundreds of small quakes every day, now and then we can actually feel one. That’s when my mind naturally moves to thoughts of disaster preparedness. Now I’m not talking weird or paranoid kind of “prepper” stuff — just the basic, commonsense quick list of things every family needs to have on hand. It’s good to be prepared because it offers peace of mind and a sense of calm.