Are we ever really prepared for a disaster? With disasters piling up one after the other, maybe saving for a rainy day is a good idea.

The problem, of course, is that there are not enough rainy days, which big parts of the U.S. would love to have anyway, so we really need to start saving for something else.

Can you say, "disasters?"

Saving for disasters just isn't in the American persona. It's not what we do. True, the rich have more than enough to tide them over until another tide, but the rest of us don't have much, and what much we have may not be enough for a global disaster.

Global disaster?

Drought comes to mind but that was yesterday's news. Today's news is economic turmoil. The dollar is tanking, stocks can't figure out how to go up and not come right back down, and then there's oil.

Oil? Yes, oil prices continue to rise, oil reserves continue to be less today than yesterday, which means oil prices will continued to rise. Oh, and those burgeoning economies in India and China? Well, they're heating up and guess what they desperately need?

More oil. Smaller supply, meet larger demand.

Don't expect a technological solution to come along to solve the world's water needs any time soon. Don't expect an oil substitute to come along to solve the world's energy needs any time soon.

In the meantime, get out your disaster preparedness kit and scorecard. You'll need the kit to survive and the scorecard to see what's happening in the meantime.

Oh, and start saving for a rainy day, even if it doesn't look like rain.