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He's bumped up his insurance coverage by $50,000. He's installing a back-up phone system.His advice? "Make sure you have personal cash reserves because you could go for several months without income. Don't get lazy," he says. "We were generally OK. But we weren't moving into the digital storage age. We were relying on paper. People have to change.""I feel lucky," Sacks adds. "I have to appreciate each day a little more." And, yes, he could have had more insurance."Scary things can happen" Stephanie Aaron runs a communications firm, Aaron Design, from her 13th-floor apartment four blocks from the WTC site.