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<br />,/~ <br />s. p <br />- ' ,t--------- <br />, ' Get Organized <br />01-' <br /> <br />rebuilding, but they are also <br />very costly. Their interest rates <br />can be as high as 2 percent a <br />month-that's 24 percent a <br />year. A second mortgage or a <br />low-interest government loan <br />is a much less expensive way <br />to borrow money for home <br />repairs. <br />o Keep talking openly with <br />your family. Some of the <br />biggest problems that come <br />with a disaster are the mental <br />strain of the loss and worries <br />about the future. Work togeth- <br />er and let everyone know <br />what you will be doing in the <br />days ahead. <br /> <br />14 <br />