内容摘要：Crocodiles come close to women preparing fish to be sold in a local market on the edge of Lake Baringo after a catch by fishermen in Kampi ya Samaki, Kenya, Wednesday, July 20, 2022. (AP Photo/Brian Inganga)

Crocodiles come close to women preparing fish to be sold in a local market on the edge of Lake Baringo after a catch by fishermen in Kampi ya Samaki, Kenya, Wednesday, July 20, 2022. (AP Photo/Brian Inganga)

and contacts in a safe place, take photographs or record a video of the rooms in your home and any valuable belongings, and to have cash on hand, in case ATMs and electronic or online banking resources aren’t available, among other guidance.Lisa Berdie, director of policy and research for the Financial Health Network, an organization that focuses on underserved consumers, refers to these steps as “preparedness,” but stresses the need for “investments in efforts to lessen the severity of climate impacts, reduce risks, and minimize financial harm.”

“Key here is recognizing that it is not just the headline-grabbing events, but smaller-scale events and chronic stressors (for example, heat) that have dramatic financial consequences for households,” Berdie said. “Some of the action steps that households can consider (there)... include weatherizing homes and addressing health hazards that are worsened by climate hazards, like mold and air quality.”Here’s what you can do to be more financially prepared and organized in case of disaster:According to FEMA, the first thing to do is compile important documents. These include: birth and marriage certificates, social security cards, military service records and your pet’s ID tags, microchip and vaccination records.

Other documents to have organized include: housing payments, utility bills, credit/debit card information, receipts from child support, checking, savings, and retirement account numbers, insurance policies, paystubs, tax statements, and wills, according to FEMA.Medical information to have on hand includes: health insurance and pharmacy cards, records of immunizations and allergies, copies of prescriptions, and records of medical devices or equipment for disabilities.

Also make records of important contacts, such as:

1. Landlord or mortgage representativesIn the bond market, the yield on the 10-year Treasury jumped to 4.47% from 4.37% late Friday.

The two-year Treasury yield, which more closely tracks expectations for what the Fed will do with interest rates, jumped even more. It rose to 4.00% from 3.88% as traders ratcheted back expectations for how many cuts to interest rates the Fed may deliver this year.Many traders are now betting on just two cuts this year, according to data from CME Group.

AP Business Writers Matt Ott, Jiang Junzhe and Elaine Kurtenbach contributed.NEW YORK (AP) — Wall Street’s