Phil wrote to Urban Survival Skills to ask: "Urbanman I have emailed you in the past on various subjects and I have a question, how will gold and silver be valued in a collapse? For example, todays price is $1300 USd for gold and $21.94 for silver. How will value be assigned? If a decline inflation (of commodities) or deflation (value of the fiat currency) occurs, then it will be assessed against the current dollar value. Years ago on a UN Mission to the Golan Heights the scheckle (did I spell that correctly?) was 124 to the US dollar the day I arrived and was over 400 six months later and climbing. I understand inflation, I suppose a more accurate statement would be what intrinsic value do these metals have and will the yard stick they will be measured against be the failed dollar? Your comments will be appreciated TTFN an old Sojer."
Stephen Lendman, in an article entitled, "Public Banking Avoids Today's Debacle" made some key points which effect the value of the fiat dollar and rise in prices of commodities which effect the value of previous metals, albeit this is before a real collapse. Right now we are seeing:
• rising consumer debt;
• record budget and trade deficits;
• an out-of-control national debt;
• record numbers of personal and business bankruptcies;
• millions of home foreclosures;
• depression level unemployment, poverty, homelessness and hunger;
• an unprecedented wealth gap between rich elites and ordinary Americans; and
• a hugely unstable economy lurching from one crisis to another.
At one time, dollar value was defined as 1/20th of an ounce of gold or about an
ounce of silver. Spot gold today sells for over $1,300 an ounce. Spot silver is about $21.50. Analysts expect much higher prices. And that is your question,....how much higher will Gold go?
Well, first let's look at the bullet comments above. Are these facts new? Were the figures worse a year ago? Two years ago? I submit that these key indicators are worse or at the very least some are the same as where they were a year ago and two years ago when Gold was selling at a much higher number.
The only thing that has changed is the perception of the people that things are getting better,...but you can only fool the creditors and your accountants for so long.....and you'll never fool the Chinese!
I believe that the value of Gold (and Silver) came down as the "perception" of the strength of the US dollar and the US Economy rose. Just wait until the curtain is pulled back!
Gold is certain to rise. The worse the economy, the higher the Gold value. If the US government does what I expect them to do, and that is to try and confiscate private Gold (and silver) bullion, then Gold will certainly be traded on the black market as prices much higher than the official Government line.
And by confiscate I mean mandate a trade-in for fiat currency, and outlaw private ownership of all but a small amount of bullion, or maybe allow collectors coins with silver content. In any event, we may not see a revolution in this country, but the vast majority of people will hide their Gold and Silver.
I also predict that a national Gold prohibition would come before a comprehensive gun ban - it, the gold ban, would affect less people and would be justified to the masses under a combination of socialist gobbleygook or what rural folk call plain old bullshit.
I think in an economic collapse Gold will easily hit $2000 an ounce and continue to climb, however in a major collapse with communications extinct, regional Gold values or the agreed upon value per barter transaction will vary widely depending on the need for the item being bartered for with Gold. What would you pay (in Gold) for anti-biotics for your wife if she had a major infection? How much per ounce would Gold be if your child needed insulin?
I'm sorry Phil that I can't answer your question more precisely, but their are too many variables. Suffice it to say that while Gold may drop and rise and drop again,...it will certainly rise when the collapse hits. However you still can't eat Gold nor can you protect yourself with it unless you hit someone over the head with a large bar of it. I consider Gold and Silver as necessary components of my survival stocks, sometimes more important than handtools, stored fuel, non-hybrid seeds, and sometimes not as important, depending upon the depth of the collapse and what my current needs would be.
stay safe, cheers
Wednesday, October 16, 2013
Saturday, October 12, 2013
Surviving Home Replicates Likely Collapse
While I finished the book "Surviving Home" over a month ago I didn't get motivated to write about it until I received notice that the third book "Escaping Home" in this excellent series by A. American was available for pre-order. The first book, "Going Home", was a story about a man who found himself several hundred miles away from his family when EMP shut everything down and chronicled his journey trying to get back to his family and community.
Morgan Carter, the main character in this series, is a prepper, married and has a couple children. He was prepared with his Bug Out or Get Home bag, so he was prepared to walk and survive the 250 miles back to his prepared home.
I found the first book pretty realistic on how I envision the collapse environment with the story of Morgan encountering people who "go ugly early" in their attempts to better themselves and their situation through robbery, depredations and control. I had previously wrote a short review on A. American's first book.
The second book, Surviving Home, took up with the main character, Morgan Carter, back in the community and facing several realistic situations:
An unprepared community. One of the many faults with the suburban or community Bug In plan is that many, if not most, of your neighbors will be unprepared for the collapse. Many of these will be burdens on the few that are prepared. Many will resist any leaders stepping up; Many will turn on you because you have prepared and they have not.
Entitiliest community members. Many neighbors, in both A. American's excellent book and what I believe reality would be, will think that they are owed a share of another's foresight to prep. Surviving Home has some realistic scenarios, and dialog between characters, reverting to immoral behavior when faced with starvation. With that fear to imminent starvation and you have a volcanic situation.
Lack of organization. While many communities will not have an existing or "live in" organized law enforcement entity which could generate a basis for organized security, Surviving Home's story line did, although this character was a weak link for organizing a community security plan which of course would normally include procedures, training, and defensive measures. Not only is a sound security plan a requirement but organizing the community for the long haul which include food, fuel, and material procurement,..... water procurement, filtering, sterilization and storage and even short and long range procurement, reconnaissance and security patrols. A solid leader would have utilized all existing community member skills to the upmost. But then again, I say that "Surviving Home" was realistic and it was.
A. Americans novels also have a twist where the main character's is aided by some ex-soldiers now working for the Military to keep Homeland Security from running amok and turning this country into a facist state. Good story all will enjoy - look for the lessons.
We, preppers in general, read Survivalist novels such as the "Going Home, Surviving Home and Escaping Home" as well as the well known series of books written by James Wesley, Rawles for several reasons,......they are entertaining,....we pickup situations and tips that we didn't plan for or even think about. So it helps if they are realistic, as well as entertaining. A. American's series is my favorite survivalist series and this includes the ones by Rawles, Joe Nobody and Crawford.
Saturday, October 5, 2013
Five Stages of Collapse
I have been hearing the term "Five Stages of Collapse" from a couple different sources, so I decided to look it up and see what people were referring to. I found references to the 5 stages of collapse from this article from the Market Oracle in the United Kingdom. Yep, the same United Kingdom who faces many of the same problems we in the U.S. face,......devalued fiat currency, growing radical muslim population, growing poverty population, encroachment of governmental powers. But the U.K. has worse issues than us with their restrictive gun control laws and the physical footprint of living on an island greatly reduces mobility and Bug Out planning.
We are witnessing the beginning stages of political collapse. The government and its leaders are being discredited on a daily basis. The mismanagement of fiscal policy, foreign policy and domestic policy, along with the revelations of the NSA conducting mass surveillance against all Americans has led critical thinking Americans to question the legitimacy of the politicians running the show on behalf of the bankers, corporations and arms dealers. The Gestapo like tactics used by the government in Boston was an early warning sign of what is to come. Government entitlement promises will vaporize, as they did in Detroit, with pension promises worth only ten cents on the dollar.
Total social and cultural collapse could resemble the chaotic civil war scenarios playing out in Libya and Syria. The best case scenario would be for a collapse similar to the Soviet Union’s relatively peaceful disintegration into impotent republics. I don’t believe we’ll be this fortunate. The most powerful military empire in world history will not fade away. It will go out in a blaze of glory with a currency collapse, hyper-inflation, and war on a grand scale.
The day of reckoning for a century of putting our faith in the wrong people with wrong ideas and evil intentions is upon us. Dmitry Orlov provides a blueprint for the collapse in his book – The Five Stages of Collapse – Survivors’ Toolkit:
Stage 1: Financial Collapse. Faith in “business as usual” is lost. The future is no longer assumed to resemble the past in any way that allows risk to be assessed and financial assets to be guaranteed. Financial institutions become insolvent; savings wiped out and access to capital is lost.
Stage 2: Commercial Collapse. Faith that “the market shall provide” is lost. Money is devalued and/or becomes scarce, commodities are hoarded, import and retail chains break down and widespread shortages of survival necessities become the norm.
Stage 3: Political Collapse. Faith that “the government will take care of you” is lost. As official attempts to mitigate widespread loss of access to commercial sources of survival necessities fail to make a difference, the political establishment loses legitimacy and relevance.
Stage 4: Social Collapse. Faith that “your people will take care of you” is lost, as social institutions, be they charities or other groups that rush to fill the power vacuum, run out of resources or fail through internal conflict.
Stage 5: Cultural Collapse. Faith in the goodness of humanity is lost. People lose their capacity for “kindness, generosity, consideration, affection, honesty, hospitality, compassion, charity.” Families disband and compete as individuals for scarce resources. The new motto becomes “May you die today so that I can die tomorrow.”
The collapse is occurring in fits and starts. The stages of collapse do not necessarily have to occur in order. You can recognize various elements of the first three stages in the United States today. Stage 1 commenced in September 2008 when this Crisis period was catalyzed by the disintegration of the worldwide financial system caused by Wall Street intentionally creating the largest control fraud in world history, with easy money provided by Greenspan/Bernanke, fraudulent mortgage products, fake appraisals, bribing rating agencies to provide AAA ratings to derivatives filled with feces, and having their puppets in the media and political arena provide the propaganda to herd the sheep into the slaughterhouse.
The American people neglected their civic duty to elect leaders who would tell them the truth and represent current and future generations equally. They have neglected the increasing lawlessness of Wall Street, K Street and the corporate suite. The American people have lived in denial about their responsibility for their own financial well-being, willingly delegating it to a government of math challenged politicians who promised trillions more than they could ever deliver. The American people have delayed tackling the dire issues confronting our nation, including: $200 trillion of unfunded liabilities, the military industrial complex creating wars across the globe, militarization of our local police forces, domestic spying on every citizen, allowing mega-corporations and the financial elite to turn our nation from savings based production to debt based consumption, and allowing corporations, the military industrial complex, Wall Street, and shadowy billionaires to pick and control our elected officials. The civic fabric of the country is being torn at the points of extreme vulnerability.
“At home and abroad, these events will reflect the tearing of the civic fabric at points of extreme vulnerability – problem areas where, during the Unraveling, America will have neglected, denied, or delayed needed action. Anger at “mistakes we made” will translate into calls for action, regardless of the heightened public risk. It is unlikely that the catalyst will worsen into a full-fledged catastrophe, since the nation will probably find a way to avert the initial danger and stabilize the situation for a while. Yet even if dire consequences are temporarily averted, America will have entered the Fourth Turning.” - The Fourth Turning – Strauss & Howe – 1997
Our Brave New World controllers (bankers, politicians, corporate titans, media moguls, shadowy billionaires) were able to avert a full-fledged catastrophe in the fall of 2008 and spring of 2009 which would have put an end to their reign of destruction. To accept the rightful consequences of their foul actions was intolerable to these obscenely wealthy, despicable men. Their loathsome and vile solutions to a crisis they created have done nothing to relieve the pain and suffering of the average person, while further enriching them, as they continue to gorge on the dying carcass of a once thriving nation. Despite overwhelming public outrage, Congress did as they were instructed by their Wall Street masters and handed over $700 billion of taxpayer funds into Wall Street vaults, under the false threat of systematic collapse. The $800 billion of pork stimulus was injected directly into the veins of corporate campaign contributors. The $3 billion Cash for Clunkers scheme resulted in pumping taxpayer dollars into the government owned union car companies, while driving up the prices of used cars and hurting lower income folks.
Ben Bernanke has peddled the false paradigm of quantitative easing (code for printing money and airlifting it to Wall Street) as benefitting Main Street. Nothing could be further from the truth. He bought $1.3 trillion of toxic mortgage backed securities from his Wall Street owners. He has pumped a total of $2.8 trillion into the hands of Wall Street since September 2008, and is singlehandedly generating $5 billion of risk free profits for these deadbeats by paying them .25% on their reserves. Drug dealer Ben continues to pump $2.8 billion per day into the veins of Wall Street addicts and any hint of tapering the heroin causes the addicts to flail about. Ben should be so proud. He should hang a Mission Accomplished banner whenever he gives a speech. Bank profits reached an all-time record in the 2nd quarter, at $42.2 billion, with 80% of those profits going to the 2% Too Big To Trust Wall Street Mega-Goliath Banks. It’s enough to make a soon to retire, and take a Wall Street job, central banker smile.
“The money rate can, indeed, be kept artificially low only by continuous new injections of currency or bank credit in place of real savings. This can create the illusion of more capital just as the addition of water can create the illusion of more milk. But it is a policy of continuous inflation. It is obviously a process involving cumulative danger. The money rate will rise and a crisis will develop if the inflation is reversed, or merely brought to a halt, or even continued at a diminished rate. Cheap money policies, in short, eventually bring about far more violent oscillations in business than those they are designed to remedy or prevent.” – Henry Hazlitt – 1946
Any serious minded person knew Wall Street had too much power, too much control, and too much influence in 2008 when they crashed our economic system. When something is too big to fail because it will create systematic collapse, you make it smaller. Instead we have allowed our sociopathic rulers to allow these parasitic institutions to get even larger. Just 12 mega-banks control 70% of all the banking assets in the country, with 90% controlled by the top 86 banks. There are approximately 8,000 financial institutions in this country. Wall Street will be congratulating themselves with record compensation of $127 billion and record bonuses of $23 billion for a job well done. It is dangerous work making journal entries relieving loan loss reserves, committing foreclosure fraud, marking your assets to unicorn, making deposits at the Fed, and counting on the Bernanke Put to keep stocks rising. During a supposed recovery from 2009 to 2011, average real income per household grew pitifully by 1.7%, but all the gains accrued to Bernanke’s minions. Top 1% incomes grew by 11.2% while bottom 99% incomes shrunk by 0.4%. Therefore, the top 1% captured 121% of the income gains in the first two years of the recovery. This warped trend has only accelerated since 2011.
When the financial collapse reaches its crescendo, the just in time supply chain, that keeps cheese doodles and cheese whiz on your grocery store shelves, Chinese produced iGadgets in your local Wal-Mart Supercenter, and gasoline flowing out of gas station hoses into your leased Cadillac Escalade, will break down rapidly. The strain of $110 oil is already evident. The fireworks will really get going when ATM machines run dry and the EBT cards stop functioning. Within a week riots and panic will engulf the country.
“At some point we are bound to hear, from across two oceans, the shocking words “Your money is no good here.” Fast forward to a week later: banks are closed, ATMs are out of cash, supermarket shelves are bare and gas stations are starting to run out of fuel. And then something happens: the government announces they have formed a crisis task force, and will nationalize, recapitalize and reopen banks, restoring confidence. The banks reopen, under heavy guard, and thousands of people get arrested for attempting to withdraw their savings. Banks close, riots begin. Next, the government decides that, to jump-start commerce, it will honor deposit guarantees and simply hand out cash. They print and arrange for the cash to be handed out. Now everyone has plenty of cash, but there is still no food in the supermarkets or gasoline at the gas stations because by now the international supply chains have broken down and the delivery pipelines are empty.” – Dmitry Orlov – The Five Stages of Collapse
We are witnessing the beginning stages of political collapse. The government and its leaders are being discredited on a daily basis. The mismanagement of fiscal policy, foreign policy and domestic policy, along with the revelations of the NSA conducting mass surveillance against all Americans has led critical thinking Americans to question the legitimacy of the politicians running the show on behalf of the bankers, corporations and arms dealers. The Gestapo like tactics used by the government in Boston was an early warning sign of what is to come. Government entitlement promises will vaporize, as they did in Detroit, with pension promises worth only ten cents on the dollar.
Total social and cultural collapse could resemble the chaotic civil war scenarios playing out in Libya and Syria. The best case scenario would be for a collapse similar to the Soviet Union’s relatively peaceful disintegration into impotent republics. I don’t believe we’ll be this fortunate. The most powerful military empire in world history will not fade away. It will go out in a blaze of glory with a currency collapse, hyper-inflation, and war on a grand scale.
The day of reckoning for a century of putting our faith in the wrong people with wrong ideas and evil intentions is upon us. Dmitry Orlov provides a blueprint for the collapse in his book – The Five Stages of Collapse – Survivors’ Toolkit:
Stage 1: Financial Collapse. Faith in “business as usual” is lost. The future is no longer assumed to resemble the past in any way that allows risk to be assessed and financial assets to be guaranteed. Financial institutions become insolvent; savings wiped out and access to capital is lost.
Stage 2: Commercial Collapse. Faith that “the market shall provide” is lost. Money is devalued and/or becomes scarce, commodities are hoarded, import and retail chains break down and widespread shortages of survival necessities become the norm.
Stage 3: Political Collapse. Faith that “the government will take care of you” is lost. As official attempts to mitigate widespread loss of access to commercial sources of survival necessities fail to make a difference, the political establishment loses legitimacy and relevance.
Stage 4: Social Collapse. Faith that “your people will take care of you” is lost, as social institutions, be they charities or other groups that rush to fill the power vacuum, run out of resources or fail through internal conflict.
Stage 5: Cultural Collapse. Faith in the goodness of humanity is lost. People lose their capacity for “kindness, generosity, consideration, affection, honesty, hospitality, compassion, charity.” Families disband and compete as individuals for scarce resources. The new motto becomes “May you die today so that I can die tomorrow.”
The collapse is occurring in fits and starts. The stages of collapse do not necessarily have to occur in order. You can recognize various elements of the first three stages in the United States today. Stage 1 commenced in September 2008 when this Crisis period was catalyzed by the disintegration of the worldwide financial system caused by Wall Street intentionally creating the largest control fraud in world history, with easy money provided by Greenspan/Bernanke, fraudulent mortgage products, fake appraisals, bribing rating agencies to provide AAA ratings to derivatives filled with feces, and having their puppets in the media and political arena provide the propaganda to herd the sheep into the slaughterhouse.
The American people neglected their civic duty to elect leaders who would tell them the truth and represent current and future generations equally. They have neglected the increasing lawlessness of Wall Street, K Street and the corporate suite. The American people have lived in denial about their responsibility for their own financial well-being, willingly delegating it to a government of math challenged politicians who promised trillions more than they could ever deliver. The American people have delayed tackling the dire issues confronting our nation, including: $200 trillion of unfunded liabilities, the military industrial complex creating wars across the globe, militarization of our local police forces, domestic spying on every citizen, allowing mega-corporations and the financial elite to turn our nation from savings based production to debt based consumption, and allowing corporations, the military industrial complex, Wall Street, and shadowy billionaires to pick and control our elected officials. The civic fabric of the country is being torn at the points of extreme vulnerability.
“At home and abroad, these events will reflect the tearing of the civic fabric at points of extreme vulnerability – problem areas where, during the Unraveling, America will have neglected, denied, or delayed needed action. Anger at “mistakes we made” will translate into calls for action, regardless of the heightened public risk. It is unlikely that the catalyst will worsen into a full-fledged catastrophe, since the nation will probably find a way to avert the initial danger and stabilize the situation for a while. Yet even if dire consequences are temporarily averted, America will have entered the Fourth Turning.” - The Fourth Turning – Strauss & Howe – 1997
Our Brave New World controllers (bankers, politicians, corporate titans, media moguls, shadowy billionaires) were able to avert a full-fledged catastrophe in the fall of 2008 and spring of 2009 which would have put an end to their reign of destruction. To accept the rightful consequences of their foul actions was intolerable to these obscenely wealthy, despicable men. Their loathsome and vile solutions to a crisis they created have done nothing to relieve the pain and suffering of the average person, while further enriching them, as they continue to gorge on the dying carcass of a once thriving nation. Despite overwhelming public outrage, Congress did as they were instructed by their Wall Street masters and handed over $700 billion of taxpayer funds into Wall Street vaults, under the false threat of systematic collapse. The $800 billion of pork stimulus was injected directly into the veins of corporate campaign contributors. The $3 billion Cash for Clunkers scheme resulted in pumping taxpayer dollars into the government owned union car companies, while driving up the prices of used cars and hurting lower income folks.
Ben Bernanke has peddled the false paradigm of quantitative easing (code for printing money and airlifting it to Wall Street) as benefitting Main Street. Nothing could be further from the truth. He bought $1.3 trillion of toxic mortgage backed securities from his Wall Street owners. He has pumped a total of $2.8 trillion into the hands of Wall Street since September 2008, and is singlehandedly generating $5 billion of risk free profits for these deadbeats by paying them .25% on their reserves. Drug dealer Ben continues to pump $2.8 billion per day into the veins of Wall Street addicts and any hint of tapering the heroin causes the addicts to flail about. Ben should be so proud. He should hang a Mission Accomplished banner whenever he gives a speech. Bank profits reached an all-time record in the 2nd quarter, at $42.2 billion, with 80% of those profits going to the 2% Too Big To Trust Wall Street Mega-Goliath Banks. It’s enough to make a soon to retire, and take a Wall Street job, central banker smile.
“The money rate can, indeed, be kept artificially low only by continuous new injections of currency or bank credit in place of real savings. This can create the illusion of more capital just as the addition of water can create the illusion of more milk. But it is a policy of continuous inflation. It is obviously a process involving cumulative danger. The money rate will rise and a crisis will develop if the inflation is reversed, or merely brought to a halt, or even continued at a diminished rate. Cheap money policies, in short, eventually bring about far more violent oscillations in business than those they are designed to remedy or prevent.” – Henry Hazlitt – 1946
Any serious minded person knew Wall Street had too much power, too much control, and too much influence in 2008 when they crashed our economic system. When something is too big to fail because it will create systematic collapse, you make it smaller. Instead we have allowed our sociopathic rulers to allow these parasitic institutions to get even larger. Just 12 mega-banks control 70% of all the banking assets in the country, with 90% controlled by the top 86 banks. There are approximately 8,000 financial institutions in this country. Wall Street will be congratulating themselves with record compensation of $127 billion and record bonuses of $23 billion for a job well done. It is dangerous work making journal entries relieving loan loss reserves, committing foreclosure fraud, marking your assets to unicorn, making deposits at the Fed, and counting on the Bernanke Put to keep stocks rising. During a supposed recovery from 2009 to 2011, average real income per household grew pitifully by 1.7%, but all the gains accrued to Bernanke’s minions. Top 1% incomes grew by 11.2% while bottom 99% incomes shrunk by 0.4%. Therefore, the top 1% captured 121% of the income gains in the first two years of the recovery. This warped trend has only accelerated since 2011.
When the financial collapse reaches its crescendo, the just in time supply chain, that keeps cheese doodles and cheese whiz on your grocery store shelves, Chinese produced iGadgets in your local Wal-Mart Supercenter, and gasoline flowing out of gas station hoses into your leased Cadillac Escalade, will break down rapidly. The strain of $110 oil is already evident. The fireworks will really get going when ATM machines run dry and the EBT cards stop functioning. Within a week riots and panic will engulf the country.
“At some point we are bound to hear, from across two oceans, the shocking words “Your money is no good here.” Fast forward to a week later: banks are closed, ATMs are out of cash, supermarket shelves are bare and gas stations are starting to run out of fuel. And then something happens: the government announces they have formed a crisis task force, and will nationalize, recapitalize and reopen banks, restoring confidence. The banks reopen, under heavy guard, and thousands of people get arrested for attempting to withdraw their savings. Banks close, riots begin. Next, the government decides that, to jump-start commerce, it will honor deposit guarantees and simply hand out cash. They print and arrange for the cash to be handed out. Now everyone has plenty of cash, but there is still no food in the supermarkets or gasoline at the gas stations because by now the international supply chains have broken down and the delivery pipelines are empty.” – Dmitry Orlov – The Five Stages of Collapse
Saturday, September 28, 2013
The Coming Economic Collapse - What Others Are Thinking
The Smell of Collapse is in the Air posted by Deviant Investor on September 19th, 2013 - See more here. See what other financial minds are saying about the hocus pocus on paper wealth and fiat currency - the printing of money out of thin air,....the possibility or probability of a economic collapse.
The U.S. stock market is near all-time highs, while politicians and economists are blathering about recovery, low inflation, and good times, but instability and danger are clearly visible in our debt based monetary system. To the extent we rely upon the fantasies of ever-increasing debt, money printing, and credit bubbles, we are vulnerable to financial collapses. Perhaps a collapse is not imminent, but it would be foolish to ignore the possibility. Consider what these insightful writers have to say:
Egon von Greyerz:
“Debt worldwide is now expanding exponentially. With absolutely no possibility of stopping this debt explosion, we will soon enter a period of unlimited money printing leading to a total destruction of paper currencies. The consequence will be a hyperinflationary depression in most major economies.”
Bullion Bulls Canada:
“So the ending is already clear. The U.S.S. Titanic is about to be intentionally sunk (again), and B.S. Bernanke’s ‘fingerprints’ will be planted all over the crime scene.”
John Rubino:
“…nothing was fixed after 2008, just as nothing was fixed after the housing, tech stock, and junk bond bubbles burst. The response has been the same each time, only progressively more aggressive and experimental. That the financial, economic and political mainstream think that the system has been reset to ‘normal’ because asset prices are back where they were just before the 2008 crash is, well, crazy. With financial imbalances bigger than ever before – and continuing to expand – the only possible outcome is an even bigger crash.”
Bill Holter:
“THIS is where THE REAL BUBBLE is! The biggest bubble in all of history, (larger than the Tulip mania, South Sea, the Mississippi Bubble, 1929, current global real estate and global stock bubble combined then cubed) is the current and total global financial system. EVERYTHING EVERYWHERE is based on credit. In fact, over 60% of this credit is dollar based and ‘guaranteed’ by the U.S. government. The minor little problem now is that we have reached ‘debt saturation’ levels everywhere. There are no more asset classes left able to take on more credit (air) to inflate the balloon. The other minor detail is that the ‘asset’ that underlies the value of everything (the dollar and thus Treasury securities) is issued by a bankrupt entity. What could possibly go wrong?”
Growing and healthy economies mean more people are productively employed. It appears that much of the “growth” in the U.S. economy over the last five years has been in disability income, food stamps (SNAP), unemployment, student loans, welfare, debt, and government jobs – none of which are productive. Examine the following graph of Labor Force Participation Rate – the actual percentage of the populace that is employed. Does this look like a healthy economy experiencing a recovery or a collapse in productive employment?
The damaging effects of 100 years of Fed meddling in the U.S. economy, many expensive wars, 42 years of unbacked debt based currency, and unsustainable growth in credit and debt have left the Western monetary system in a precarious position. The damaging effects of 100 years of Fed meddling in the U.S. economy, many expensive wars, 42 years of unbacked debt based currency, and unsustainable growth in credit and debt have left the Western monetary system in a precarious position.
Using common sense, ask yourself:
Can total debt grow much more rapidly than the underlying economy which must support and service that debt? FOREVER?
Can government expenditures grow much more rapidly than government revenues? FOREVER?
Will interest rates remain at multi-generational lows? FOREVER?
Will a fiscally irresponsible congress rein-in an out of control spending system that our fiscally irresponsible congress created?
Is another and larger (than 2008) financial collapse likely and inevitable?
Do you still believe in the fantasies of ever-increasing debt, printing “money” and credit bubbles?
Are you personally and financially prepared for a potential financial collapse?
Have you converted some of your digital currencies into real money – physical gold and silver? Is it safely stored outside the banking system and perhaps in a country different from where you live?
Do you have a place to stay safe if the economic crisis turns violent?
Do you have a means to protect yourself and your loved ones? Are you competent with those firearms and do you have some ammunition put away but it surely won't be available, or affordable once the collapse hits.
Do you have some food stocked up? If not, why? Do you think you are going to be the golden one's that avoid all the coming bad times? Maybe if you're living in Costa Rica.
The U.S. stock market is near all-time highs, while politicians and economists are blathering about recovery, low inflation, and good times, but instability and danger are clearly visible in our debt based monetary system. To the extent we rely upon the fantasies of ever-increasing debt, money printing, and credit bubbles, we are vulnerable to financial collapses. Perhaps a collapse is not imminent, but it would be foolish to ignore the possibility. Consider what these insightful writers have to say:
Egon von Greyerz:
“Debt worldwide is now expanding exponentially. With absolutely no possibility of stopping this debt explosion, we will soon enter a period of unlimited money printing leading to a total destruction of paper currencies. The consequence will be a hyperinflationary depression in most major economies.”
Bullion Bulls Canada:
“So the ending is already clear. The U.S.S. Titanic is about to be intentionally sunk (again), and B.S. Bernanke’s ‘fingerprints’ will be planted all over the crime scene.”
John Rubino:
“…nothing was fixed after 2008, just as nothing was fixed after the housing, tech stock, and junk bond bubbles burst. The response has been the same each time, only progressively more aggressive and experimental. That the financial, economic and political mainstream think that the system has been reset to ‘normal’ because asset prices are back where they were just before the 2008 crash is, well, crazy. With financial imbalances bigger than ever before – and continuing to expand – the only possible outcome is an even bigger crash.”
Bill Holter:
“THIS is where THE REAL BUBBLE is! The biggest bubble in all of history, (larger than the Tulip mania, South Sea, the Mississippi Bubble, 1929, current global real estate and global stock bubble combined then cubed) is the current and total global financial system. EVERYTHING EVERYWHERE is based on credit. In fact, over 60% of this credit is dollar based and ‘guaranteed’ by the U.S. government. The minor little problem now is that we have reached ‘debt saturation’ levels everywhere. There are no more asset classes left able to take on more credit (air) to inflate the balloon. The other minor detail is that the ‘asset’ that underlies the value of everything (the dollar and thus Treasury securities) is issued by a bankrupt entity. What could possibly go wrong?”
Growing and healthy economies mean more people are productively employed. It appears that much of the “growth” in the U.S. economy over the last five years has been in disability income, food stamps (SNAP), unemployment, student loans, welfare, debt, and government jobs – none of which are productive. Examine the following graph of Labor Force Participation Rate – the actual percentage of the populace that is employed. Does this look like a healthy economy experiencing a recovery or a collapse in productive employment?
The damaging effects of 100 years of Fed meddling in the U.S. economy, many expensive wars, 42 years of unbacked debt based currency, and unsustainable growth in credit and debt have left the Western monetary system in a precarious position. The damaging effects of 100 years of Fed meddling in the U.S. economy, many expensive wars, 42 years of unbacked debt based currency, and unsustainable growth in credit and debt have left the Western monetary system in a precarious position.
Using common sense, ask yourself:
Can total debt grow much more rapidly than the underlying economy which must support and service that debt? FOREVER?
Can government expenditures grow much more rapidly than government revenues? FOREVER?
Will interest rates remain at multi-generational lows? FOREVER?
Will a fiscally irresponsible congress rein-in an out of control spending system that our fiscally irresponsible congress created?
Is another and larger (than 2008) financial collapse likely and inevitable?
Do you still believe in the fantasies of ever-increasing debt, printing “money” and credit bubbles?
Are you personally and financially prepared for a potential financial collapse?
Have you converted some of your digital currencies into real money – physical gold and silver? Is it safely stored outside the banking system and perhaps in a country different from where you live?
Do you have a place to stay safe if the economic crisis turns violent?
Do you have a means to protect yourself and your loved ones? Are you competent with those firearms and do you have some ammunition put away but it surely won't be available, or affordable once the collapse hits.
Do you have some food stocked up? If not, why? Do you think you are going to be the golden one's that avoid all the coming bad times? Maybe if you're living in Costa Rica.
Saturday, September 21, 2013
Warning from Bob Rinear
Warning from Bob Rinear
Robert "Bob" Rinear is a noteworthly financial advisor
Robert "Bob" Rinear, who is a noteworthly financial advisor, wrote an article
basically making the case for the artificial growth of the stock market due to
Bernanke's FED pushing $85 billion a month into the money supply. This last
week Rinear was cautioning us that on September 18th, 2013 Bernanke would make
a decision on continuing or tapering Quanitive Easing (QE) which could be the
long awaited taper of worthless fiat curency being floated into the market.
Rinear's supposition, in part from bogus Governmental reports that the economy was building strength, as that the larger a QE taper, the larger a stock market drop. The stronger the economy, the less need for QE. But at some point in time QE has to taper or stop. When it does there will be hell to pay on the stock market. Stocks and bonds and therefore our pensions plans invested in these will devalue. How much will they devalue would be dependent upon just how far the market drops.
Some of you saying "what the hell dude,.....the stock market has nothing to do with the economy any more. Wall Street is a fraud and just manipulates false values and people's emotions." Well, you won't get an argument from me. But the stock market crashing or tanking significantly will have an impact on our lifes. It could be the catalyst for the long awaited economic collapse that places 100 million of our fellow citizens looking for food and shelter on a day by day basis ( 1 in 7 Americans are living in poverty right now). It also just may not be so bad,...... it may eliminate the middle class,...making us all part of the lower class, making life hard, but liveable.
And Rinear isn't the only one forecasting a market fall. Gina Martin Adams who happens to be a Wells Fargo strategist, watched the S&P 500 add 21 percent. And on this past Thursday's, a day after the FED's announcment to continue pumping money into the system, Adams reiterated her call that the index would close out the by dropping 16 percent erasing all gains this years.
We are indeed in interesting times.
Now the warning from Rinear.
Did you notice Poland just did? At first I thought it was a bad joke, one of the internet rumors gone wild. But it isn’t. Basically they just announced that they were confiscating 50% of all PRIVATE pensions. Did you read that?
Remember Cyprus and the idea of a “bail in” where deposit money will be used to support failed banks? Well Poland is taking it a step further.
Poland has a “debt ceiling” that prevents it from issuing debt over 55% of GDP. Well they were dangerously flirting with breaking that rule in a big way. By confiscating and stealing (“nationalizing”) the Polish citizens’ private pension money, they are now booking that money as a straight-up cash asset on the government’s balance sheet, thus “freeing up room” against the GDP-to-debt threshold so that the Polish government can … issue more debt and spend even more.
When you see banks laying out rules for “bail in’s” and see Governments looking at private pensions as their own little piggy banks, it certainly brings me back to an article I wrote for you all way back in 2011. I suggested that at “some point” Uncle Sam is going to look at the 10 trillion in 401K’s and IRA’s and the almost 10 trillion in annuities and private pensions and “take it”. Hey, look at it like a crooked politician for a minute.
Here’s 20 trillion dollars just “sitting” in accounts. Why not take it, use the money to do stupid things, replace the holdings with Government issuance like bonds, and keep partying like it’s 1999? Poland just saw that light.
The US will do that if necessary and frankly it’s necessary now. So far they’ve danced around the issues, used Fed money, etc, but this won’t last for ever. So while a taper out of the Fed might beat gold and silver down some, I will indeed buy the dip. What is safer, ten boxes of gold coins or some digital receipt that says I have 100K in a 401K at some mutual fund outfit? You know the answer. If Uncle sam wants my physical, he’s going to have a pretty hard time getting it. If he wants my 401K my only defense is a phone call. No thanks.
So Rinear is telling us the possiblity of us losing all our externally stored wealth,....in my case it's just savings...but mnore important is how would migitate the coming effects that an easing of, or a complete stopping of QE would have on the market and therefore our wealth and possible government confiscation of existing wealth in order to keep the government afloat, albeit for a short time? Wow! That's a complication question but he answer is simple but not necessarily easy to execute. The way we mitigate financial market collapse and the requisite economic chaos is through proper management of the Survivalist's Portfolio,........a portfolio that does not relay on diverse holdings between bonds,stocks, mutual funds and 401K plans, but instead ensures that we have enough commodites on hand and physically held such as cash, gold, silver, firearms, ammunition, stored foods, ability to grow food - stored seeds, and the equipment and material we'll need to see us through hard times.
Rinear's supposition, in part from bogus Governmental reports that the economy was building strength, as that the larger a QE taper, the larger a stock market drop. The stronger the economy, the less need for QE. But at some point in time QE has to taper or stop. When it does there will be hell to pay on the stock market. Stocks and bonds and therefore our pensions plans invested in these will devalue. How much will they devalue would be dependent upon just how far the market drops.
Some of you saying "what the hell dude,.....the stock market has nothing to do with the economy any more. Wall Street is a fraud and just manipulates false values and people's emotions." Well, you won't get an argument from me. But the stock market crashing or tanking significantly will have an impact on our lifes. It could be the catalyst for the long awaited economic collapse that places 100 million of our fellow citizens looking for food and shelter on a day by day basis ( 1 in 7 Americans are living in poverty right now). It also just may not be so bad,...... it may eliminate the middle class,...making us all part of the lower class, making life hard, but liveable.
And Rinear isn't the only one forecasting a market fall. Gina Martin Adams who happens to be a Wells Fargo strategist, watched the S&P 500 add 21 percent. And on this past Thursday's, a day after the FED's announcment to continue pumping money into the system, Adams reiterated her call that the index would close out the by dropping 16 percent erasing all gains this years.
We are indeed in interesting times.
Now the warning from Rinear.
Did you notice Poland just did? At first I thought it was a bad joke, one of the internet rumors gone wild. But it isn’t. Basically they just announced that they were confiscating 50% of all PRIVATE pensions. Did you read that?
Remember Cyprus and the idea of a “bail in” where deposit money will be used to support failed banks? Well Poland is taking it a step further.
Poland has a “debt ceiling” that prevents it from issuing debt over 55% of GDP. Well they were dangerously flirting with breaking that rule in a big way. By confiscating and stealing (“nationalizing”) the Polish citizens’ private pension money, they are now booking that money as a straight-up cash asset on the government’s balance sheet, thus “freeing up room” against the GDP-to-debt threshold so that the Polish government can … issue more debt and spend even more.
When you see banks laying out rules for “bail in’s” and see Governments looking at private pensions as their own little piggy banks, it certainly brings me back to an article I wrote for you all way back in 2011. I suggested that at “some point” Uncle Sam is going to look at the 10 trillion in 401K’s and IRA’s and the almost 10 trillion in annuities and private pensions and “take it”. Hey, look at it like a crooked politician for a minute.
Here’s 20 trillion dollars just “sitting” in accounts. Why not take it, use the money to do stupid things, replace the holdings with Government issuance like bonds, and keep partying like it’s 1999? Poland just saw that light.
The US will do that if necessary and frankly it’s necessary now. So far they’ve danced around the issues, used Fed money, etc, but this won’t last for ever. So while a taper out of the Fed might beat gold and silver down some, I will indeed buy the dip. What is safer, ten boxes of gold coins or some digital receipt that says I have 100K in a 401K at some mutual fund outfit? You know the answer. If Uncle sam wants my physical, he’s going to have a pretty hard time getting it. If he wants my 401K my only defense is a phone call. No thanks.
So Rinear is telling us the possiblity of us losing all our externally stored wealth,....in my case it's just savings...but mnore important is how would migitate the coming effects that an easing of, or a complete stopping of QE would have on the market and therefore our wealth and possible government confiscation of existing wealth in order to keep the government afloat, albeit for a short time? Wow! That's a complication question but he answer is simple but not necessarily easy to execute. The way we mitigate financial market collapse and the requisite economic chaos is through proper management of the Survivalist's Portfolio,........a portfolio that does not relay on diverse holdings between bonds,stocks, mutual funds and 401K plans, but instead ensures that we have enough commodites on hand and physically held such as cash, gold, silver, firearms, ammunition, stored foods, ability to grow food - stored seeds, and the equipment and material we'll need to see us through hard times.
Monday, September 16, 2013
Medical Concerns- Primarily Before the Collapse
A worldwide or at least national pandemic is certainly a threat to be a catalyst
for a collapse, especially with the availability of air travel today. In fact,
some people go on medical vacation to places like Costa Rica and India just to
get treatment that would be cost prohibitive or not even available here in the
states. And you know what they say about hospitals,...as much as they exist to
treat and heal people, they also pose a risk of contracting diseases that you've
never even heard about.
The biggest pandemic threat appears to be from type A influenza or a modified version which jumps ahead of our capability to get a handle on. Already health authorities are predicting a very cold winter and the requisite infections that come with it.
Of course, our common vaccine is basically a three way vaccine that combines different flu strains with H1N1 bird virus. This is giving way to a new type of vaccine that also contains Type B flu strain, but, thankfully will not contain any strain of the swine virus.
So where is the threat? One threat is that these vaccines have not be tested thoroughly, especially against follow on, later disease like cancer. Another threat is that many of us believe these vaccines degrade our immune system as opposed to enhance them. There are many conversations about the flu vaccine being impotent. I think the impotency aspect is due to the vaccines having the reverse effect on people,.......not protecting us, but degrading our immune systems. I have not had a flu shot, nor has my family had a flu shot in 15 years. We remain healthy while friends of ours continue to hope on the vaccine doing them so some - and they get sick.
Now on anti-biotics.
I don't know how many preppers are stocking anti-biotics for the collapse. Practically, the only way you could do so and not run into Federal violations would to get legitimately precscribed anti-biotics then not use them, instead opting to stocking these anti-biotics for later. Even then they will only be good a few short years after the expiration date.
Certainly there is a danger of not having anti-biotics for the major infections after the collapse, when medical support and medications will much less available, if available at all. Another danger related to anti-biotics is a pre-collapse danger related to the over use of anti-biotics.
There are many of us that fear that use or over use of anti-biotics also degrade our immune systems....and not just for a short time either.
A good article on over use of anti-biotics recently came out of the Wall Street Journal On-line, with the article title: "Antibiotics Do's and Don'ts Doctors Too Often Prescribe 'Big Guns'; Impatient Patients Demand a Quick Fix".
In short, the WSJ article said that "Doctors aren't only handing out too many antibiotics, they also are frequently prescribing the wrong ones." As recent studies have shown that doctors are overprescribing broad-spectrum antibiotics, sometimes called the big guns, that kill a wide swath of both good and bad bacteria in the body. Instead, narrow-spectrum antibiotics, like penicillin, amoxicillin and cephalexin, can usually clear up many infections, while targeting a smaller number of bacteria.
Professional organizations, including the American Academy of Pediatrics, and public-health groups such as the Centers for Disease Control and Prevention are pushing doctors to limit the use of broad-spectrum antibiotics. Among the most common broad-spectrum antibiotics are ciprofloxacin and levofloxacin—a class of drugs known as fluoroquinolones—and azithromycin, which is sold by one drug maker under the brand name Zithromax, or Z-Pak.
Overuse of antibiotics, and prescribing broad-spectrum drugs when they aren't needed, can cause a range of problems. It can make the drugs less effective against the bacteria they are intended to treat by fostering the growth of antibiotic-resistant infections. And it can wipe out the body's good bacteria, which help digest food, produce vitamins and protect from infections, among other functions.
In a July study published in the Journal of Antimicrobial Chemotherapy, researchers from the University of Utah and the CDC found that 60% of the time physicians prescribe antibiotics, they choose broad-spectrum ones. "There is overuse of broad-spectrum antibiotics both in situations where a narrower alternative would be appropriate and in situations where no therapy is indicated at all," said Adam Hersh, assistant professor of pediatrics at University of Utah and a study author.
The study, which relied on a public database with information on nearly 240,000 visits to doctor's offices and emergency departments, said illnesses for which doctors choose the stronger antibiotics include skin infections, urinary-tract infections and respiratory problems.
A similar study of children, published in the journal Pediatrics in 2011, found that when antibiotics were prescribed they were broad-spectrum 50% of the time, mainly for respiratory conditions.
Both studies also found that about 25% of the time antibiotics were being prescribed for conditions in which they have no use, such as viral infections.
"This is upward of 30, 40 million prescriptions a year. And on top of it, these are conditions where antibiotics aren't justified—coughs, colds, bronchitis—and the majority of the antibiotics prescribed are the broad-spectrum antibiotics," says Dr. Hersh, also a co-author of the Pediatrics study.
When doctors don't know exactly what type of bacteria is causing an infection they may prescribe a broad-spectrum antibiotic. Ordering up a test to isolate the source of the bacteria can take a day or two to get results. Waiting can risk the infection spreading. Patients also may be in discomfort and not willing to wait.
Experts say broad-spectrum antibiotics are best used for more severe conditions, such as when a child or adult is in the hospital or has already had multiple courses of antibiotics that didn't work. Someone at risk for infection with resistant bacteria because of repetitive or prolonged antibiotic exposure, such as recurrent ear infections, might also fare better with a broad-spectrum drug.
Charles Cutler, an internist near Philadelphia, says women with recurring urinary-tract infections frequently request broad-spectrum drugs like ciprofloxacin because it is what they know. But the over prescription of such drugs has created a lot of resistant infections, he says. It can take 48 hours for a test to determine what is causing a urinary-tract infection and "doctors and patients don't want to wait 48 hours," says Dr. Cutler, who is chairman of the American College of Physicians' Board of Regents.
Bronchitis is another illness for which antibiotics are often overused, says Lauri Hicks, medical director for the CDC's "Get Smart: Know When Antibiotics Work" program. Eighty percent of the time patients come into a doctor's office with acute bronchitis they will be prescribed an antibiotic, and usually a broad-spectrum one, she says. "Bronchitis in someone who's otherwise healthy typically gets better on its own," she says.
Doctors say it can be difficult to tell a bacterial infection from a viral one. A general rule of thumb with sinus infections is to hold off on the early use of antibiotics but consider using them if symptoms persist. Infections like bronchitis, which is mostly caused by a virus, and pneumonia are usually diagnosed by listening to lungs with a stethoscope. If there is doubt, X-rays can often tell the difference.
Experts say patients should question their doctors about the use of antibiotics —both whether they are warranted and why a particular type is chosen.
The American Academy of Pediatrics has emphasized the importance of judicious use of antibiotics. The group this year updated guidelines for treating sinusitis and ear infections to help physicians determine which illnesses will respond to antibiotics and which type of antibiotic to prescribe. Both updates recommended the narrow-spectrum amoxicillin as a first- line treatment when antibiotics are warranted.
Resistant bacteria are often present in the body in small numbers to begin with but are crowded out by other bacteria that are more susceptible to antibiotics. When a person takes an antibiotic, it kills off the susceptible bacteria, allowing the resistant bacteria to grow more easily, says Dr. Hersh.
Jeffrey Gerber, a pediatric infectious-disease specialist at the Children's Hospital of Philadelphia, recently led a research team exploring whether doctors' prescribing habits could change. The researchers looked at 18 primary-care pediatric offices. In half of the offices, doctors received on-site education about prescribing guidelines for some common infections: pneumonia, strep throat and sinus infections. Narrow-spectrum antibiotics were recommended for all three conditions. The other offices didn't receive any guidance.
"After 12 months we saw overall a nearly 50% reduction in broad spectrum or off-guideline prescribing for these conditions" in the intervention group of offices compared with the control group, Dr. Gerber said. The study appeared in the June issue of the Journal of the American Medical Association. He said the researchers are currently examining what effect the change in prescribing habits had on illness control, cost and other outcomes.
So what's our course of action? Being in the best health you can; utilize good sanitation measures - stocking lots of soap and anti-septics; and, have a clear procedure for handling refugees that will invariably find you unless you are in some remote Bug Out location. Even then, plan on how you are going to segregate and assess these potential virus carrying threats to your group.
The biggest pandemic threat appears to be from type A influenza or a modified version which jumps ahead of our capability to get a handle on. Already health authorities are predicting a very cold winter and the requisite infections that come with it.
Of course, our common vaccine is basically a three way vaccine that combines different flu strains with H1N1 bird virus. This is giving way to a new type of vaccine that also contains Type B flu strain, but, thankfully will not contain any strain of the swine virus.
So where is the threat? One threat is that these vaccines have not be tested thoroughly, especially against follow on, later disease like cancer. Another threat is that many of us believe these vaccines degrade our immune system as opposed to enhance them. There are many conversations about the flu vaccine being impotent. I think the impotency aspect is due to the vaccines having the reverse effect on people,.......not protecting us, but degrading our immune systems. I have not had a flu shot, nor has my family had a flu shot in 15 years. We remain healthy while friends of ours continue to hope on the vaccine doing them so some - and they get sick.
Now on anti-biotics.
I don't know how many preppers are stocking anti-biotics for the collapse. Practically, the only way you could do so and not run into Federal violations would to get legitimately precscribed anti-biotics then not use them, instead opting to stocking these anti-biotics for later. Even then they will only be good a few short years after the expiration date.
Certainly there is a danger of not having anti-biotics for the major infections after the collapse, when medical support and medications will much less available, if available at all. Another danger related to anti-biotics is a pre-collapse danger related to the over use of anti-biotics.
There are many of us that fear that use or over use of anti-biotics also degrade our immune systems....and not just for a short time either.
A good article on over use of anti-biotics recently came out of the Wall Street Journal On-line, with the article title: "Antibiotics Do's and Don'ts Doctors Too Often Prescribe 'Big Guns'; Impatient Patients Demand a Quick Fix".
In short, the WSJ article said that "Doctors aren't only handing out too many antibiotics, they also are frequently prescribing the wrong ones." As recent studies have shown that doctors are overprescribing broad-spectrum antibiotics, sometimes called the big guns, that kill a wide swath of both good and bad bacteria in the body. Instead, narrow-spectrum antibiotics, like penicillin, amoxicillin and cephalexin, can usually clear up many infections, while targeting a smaller number of bacteria.
Professional organizations, including the American Academy of Pediatrics, and public-health groups such as the Centers for Disease Control and Prevention are pushing doctors to limit the use of broad-spectrum antibiotics. Among the most common broad-spectrum antibiotics are ciprofloxacin and levofloxacin—a class of drugs known as fluoroquinolones—and azithromycin, which is sold by one drug maker under the brand name Zithromax, or Z-Pak.
Overuse of antibiotics, and prescribing broad-spectrum drugs when they aren't needed, can cause a range of problems. It can make the drugs less effective against the bacteria they are intended to treat by fostering the growth of antibiotic-resistant infections. And it can wipe out the body's good bacteria, which help digest food, produce vitamins and protect from infections, among other functions.
In a July study published in the Journal of Antimicrobial Chemotherapy, researchers from the University of Utah and the CDC found that 60% of the time physicians prescribe antibiotics, they choose broad-spectrum ones. "There is overuse of broad-spectrum antibiotics both in situations where a narrower alternative would be appropriate and in situations where no therapy is indicated at all," said Adam Hersh, assistant professor of pediatrics at University of Utah and a study author.
The study, which relied on a public database with information on nearly 240,000 visits to doctor's offices and emergency departments, said illnesses for which doctors choose the stronger antibiotics include skin infections, urinary-tract infections and respiratory problems.
A similar study of children, published in the journal Pediatrics in 2011, found that when antibiotics were prescribed they were broad-spectrum 50% of the time, mainly for respiratory conditions.
Both studies also found that about 25% of the time antibiotics were being prescribed for conditions in which they have no use, such as viral infections.
"This is upward of 30, 40 million prescriptions a year. And on top of it, these are conditions where antibiotics aren't justified—coughs, colds, bronchitis—and the majority of the antibiotics prescribed are the broad-spectrum antibiotics," says Dr. Hersh, also a co-author of the Pediatrics study.
When doctors don't know exactly what type of bacteria is causing an infection they may prescribe a broad-spectrum antibiotic. Ordering up a test to isolate the source of the bacteria can take a day or two to get results. Waiting can risk the infection spreading. Patients also may be in discomfort and not willing to wait.
Experts say broad-spectrum antibiotics are best used for more severe conditions, such as when a child or adult is in the hospital or has already had multiple courses of antibiotics that didn't work. Someone at risk for infection with resistant bacteria because of repetitive or prolonged antibiotic exposure, such as recurrent ear infections, might also fare better with a broad-spectrum drug.
Charles Cutler, an internist near Philadelphia, says women with recurring urinary-tract infections frequently request broad-spectrum drugs like ciprofloxacin because it is what they know. But the over prescription of such drugs has created a lot of resistant infections, he says. It can take 48 hours for a test to determine what is causing a urinary-tract infection and "doctors and patients don't want to wait 48 hours," says Dr. Cutler, who is chairman of the American College of Physicians' Board of Regents.
Bronchitis is another illness for which antibiotics are often overused, says Lauri Hicks, medical director for the CDC's "Get Smart: Know When Antibiotics Work" program. Eighty percent of the time patients come into a doctor's office with acute bronchitis they will be prescribed an antibiotic, and usually a broad-spectrum one, she says. "Bronchitis in someone who's otherwise healthy typically gets better on its own," she says.
Doctors say it can be difficult to tell a bacterial infection from a viral one. A general rule of thumb with sinus infections is to hold off on the early use of antibiotics but consider using them if symptoms persist. Infections like bronchitis, which is mostly caused by a virus, and pneumonia are usually diagnosed by listening to lungs with a stethoscope. If there is doubt, X-rays can often tell the difference.
Experts say patients should question their doctors about the use of antibiotics —both whether they are warranted and why a particular type is chosen.
The American Academy of Pediatrics has emphasized the importance of judicious use of antibiotics. The group this year updated guidelines for treating sinusitis and ear infections to help physicians determine which illnesses will respond to antibiotics and which type of antibiotic to prescribe. Both updates recommended the narrow-spectrum amoxicillin as a first- line treatment when antibiotics are warranted.
Resistant bacteria are often present in the body in small numbers to begin with but are crowded out by other bacteria that are more susceptible to antibiotics. When a person takes an antibiotic, it kills off the susceptible bacteria, allowing the resistant bacteria to grow more easily, says Dr. Hersh.
Jeffrey Gerber, a pediatric infectious-disease specialist at the Children's Hospital of Philadelphia, recently led a research team exploring whether doctors' prescribing habits could change. The researchers looked at 18 primary-care pediatric offices. In half of the offices, doctors received on-site education about prescribing guidelines for some common infections: pneumonia, strep throat and sinus infections. Narrow-spectrum antibiotics were recommended for all three conditions. The other offices didn't receive any guidance.
"After 12 months we saw overall a nearly 50% reduction in broad spectrum or off-guideline prescribing for these conditions" in the intervention group of offices compared with the control group, Dr. Gerber said. The study appeared in the June issue of the Journal of the American Medical Association. He said the researchers are currently examining what effect the change in prescribing habits had on illness control, cost and other outcomes.
So what's our course of action? Being in the best health you can; utilize good sanitation measures - stocking lots of soap and anti-septics; and, have a clear procedure for handling refugees that will invariably find you unless you are in some remote Bug Out location. Even then, plan on how you are going to segregate and assess these potential virus carrying threats to your group.
Sunday, September 8, 2013
Survival Gardening Information
I have written a lot of the need for gardening - farming skills in the coming collapse. I have not written any on the "how to's" as I am pretty lame as to producing my own food through growing crops. I have had some small success and many failures. But this is a necessary journey in order to develop some experience to employ when it counts for real.
A couple of good information sites I recently found are:
Building a Small Greenhouse
I have a greenhouse kit, but right now it stays packed up ready to be transported out to our Bug Out site during a controlled or planned bug out. But I would not hestiate to construct it if we needed to stay Bugged In and supplement our stored food using my large supply of stored seeds to grow some vegetables.
Fertilizer
Although I have not yet read this book, it will be on my order of next Amazon order.
Amazon's review:
In his insightful new book, Holy Shit: Managing Manure to Save Mankind, contrary farmer Gene Logsdon provides the inside story of manure-our greatest, yet most misunderstood, natural resource. He begins by lamenting a modern society that not only throws away both animal and human manure-worth billions of dollars in fertilizer value-but that spends a staggering amount of money to do so. This wastefulness makes even less sense as the supply of mined or chemically synthesized fertilizers dwindles and their cost skyrockets. In fact, he argues, if we do not learn how to turn our manures into fertilizer to keep food production in line with increasing population, our civilization, like so many that went before it, will inevitably decline.
Making your own fertilizer and compost. Another is this video on organic gardening by making compost.
And yet one more site, in fact an excellent site, pertaining to feeding yourself in the coming collapse is FoodStorageAndSurvival, which posted this information on Dandelions. Dandelion is one of the most recognizable and widespread edible plants. You know that weed that pops up in your yard every spring with its sunny yellow flowers? That lovely yellow flower that then turns into a ball of fluff attached to seeds that get blown across the yard/town/nation by the wind and small children? Well, they are not just weeds, the entire dandelion plant is edible. Here is how to cook dandelion roots.
1. Gather dandelions. Be sure you are gathering from a source that has not been sprayed with herbicide. Younger dandelions are best as the older roots can become woody. The dandelion usually has one long tap root, so you may need to dig down a bit to get as much of the root out as possible.
2. Wash and trim. Trim off the plant tops and any small side roots.
3. Peel the roots. You can peel them with a sharp knife, or peel them like beets using the boiling water method. Put the roots in boiling water for about 2 minutes, then remove them and put them in cold water. Then the peels slip off easily.
4. Cut them into pieces if desired. You can slice them into button sized pieces or leave them long, whatever is more appetizing to you. If the roots are woody, I would suggest leaving them long and then you can strip the tender part of the root off the outside of the woody core as you eat them.
5. Boil the roots 7-10 minutes until they are soft.
6. Season and serve warm. I put salt, pepper, and butter on mine.
I am constantly reminded that I am in the electronic age, but I can't help but like hard copy books for references. While an iPAD or Kindle type device can store a lot of information, I tend to want books as my primary refernce library. In a perfect world, a person would have both. These are some of my favorite books for survival collapse based gardening and farming.
A couple of good information sites I recently found are:
Building a Small Greenhouse
I have a greenhouse kit, but right now it stays packed up ready to be transported out to our Bug Out site during a controlled or planned bug out. But I would not hestiate to construct it if we needed to stay Bugged In and supplement our stored food using my large supply of stored seeds to grow some vegetables.
Fertilizer
Although I have not yet read this book, it will be on my order of next Amazon order.
Amazon's review:
In his insightful new book, Holy Shit: Managing Manure to Save Mankind, contrary farmer Gene Logsdon provides the inside story of manure-our greatest, yet most misunderstood, natural resource. He begins by lamenting a modern society that not only throws away both animal and human manure-worth billions of dollars in fertilizer value-but that spends a staggering amount of money to do so. This wastefulness makes even less sense as the supply of mined or chemically synthesized fertilizers dwindles and their cost skyrockets. In fact, he argues, if we do not learn how to turn our manures into fertilizer to keep food production in line with increasing population, our civilization, like so many that went before it, will inevitably decline.
Making your own fertilizer and compost. Another is this video on organic gardening by making compost.
And yet one more site, in fact an excellent site, pertaining to feeding yourself in the coming collapse is FoodStorageAndSurvival, which posted this information on Dandelions. Dandelion is one of the most recognizable and widespread edible plants. You know that weed that pops up in your yard every spring with its sunny yellow flowers? That lovely yellow flower that then turns into a ball of fluff attached to seeds that get blown across the yard/town/nation by the wind and small children? Well, they are not just weeds, the entire dandelion plant is edible. Here is how to cook dandelion roots.
1. Gather dandelions. Be sure you are gathering from a source that has not been sprayed with herbicide. Younger dandelions are best as the older roots can become woody. The dandelion usually has one long tap root, so you may need to dig down a bit to get as much of the root out as possible.
2. Wash and trim. Trim off the plant tops and any small side roots.
3. Peel the roots. You can peel them with a sharp knife, or peel them like beets using the boiling water method. Put the roots in boiling water for about 2 minutes, then remove them and put them in cold water. Then the peels slip off easily.
4. Cut them into pieces if desired. You can slice them into button sized pieces or leave them long, whatever is more appetizing to you. If the roots are woody, I would suggest leaving them long and then you can strip the tender part of the root off the outside of the woody core as you eat them.
5. Boil the roots 7-10 minutes until they are soft.
6. Season and serve warm. I put salt, pepper, and butter on mine.
I am constantly reminded that I am in the electronic age, but I can't help but like hard copy books for references. While an iPAD or Kindle type device can store a lot of information, I tend to want books as my primary refernce library. In a perfect world, a person would have both. These are some of my favorite books for survival collapse based gardening and farming.
Friday, August 30, 2013
Are State Militias Preparing?
I was sent this article, 14 United States Governors: Prepare State Militia Defenses, To Be Ready Against Obama’s Rogue Federal Forces!, and asked what I thought of it.
I haven't been able to confirm. We know that the federal government can call up and federalized state national guard units and it seems there would be too many indicators if this was true as the article professes.
Obama fearing a revolution against him by the states, has moved swiftly by nationalizing nearly all National Guard Forces in multiple states; Georgia, Alabama, Kansas, Minnesota, Tennessee, Virginia, Louisiana, South Carolina – to name a few. The Governors of the Great States of Alabama, Georgia, Louisiana, South Carolina, Tennessee, Texas, and Virginia still have under their Command-and-Control the State Defense Forces to go against U.S. Federal forces should the need arise. Also important to note: There are NO U.S. laws prohibiting National Guard troops from also joining their State’s Defense Forces. This dilemma occurred during the Civil War with many “citizen soldiers” choosing to serve their states instead of the Federal Government.
Obama is angered by the several State Governors who have reestablished “State Defense Forces.” These forces are described as: “State Defense Forces (also known as State Guards, State Military Reserves, State Militias) in the United States are military units that operate under the sole authority of a state government; they are not regulated by the National Guard Bureau nor are they part of the Army National Guard of the United States. State Defense Forces are authorized by state and federal law and are under the command of the governor of each state. State Defense Forces are distinct from their state’s National Guard in that they cannot become federal entities.”
Mr. Obama is fearful of these State Defense Forces, in that he does not have control of said forces, and with the U.S. Military stretched to near breaking from multiple deployments and theatre actions in Iraq and Afghanistan, these State military forces would be under the direct command and authority of the Governors in which states have said forces. In essence, the Governors would have “de facto control” of the United States.
I haven't been able to confirm. We know that the federal government can call up and federalized state national guard units and it seems there would be too many indicators if this was true as the article professes.
Obama fearing a revolution against him by the states, has moved swiftly by nationalizing nearly all National Guard Forces in multiple states; Georgia, Alabama, Kansas, Minnesota, Tennessee, Virginia, Louisiana, South Carolina – to name a few. The Governors of the Great States of Alabama, Georgia, Louisiana, South Carolina, Tennessee, Texas, and Virginia still have under their Command-and-Control the State Defense Forces to go against U.S. Federal forces should the need arise. Also important to note: There are NO U.S. laws prohibiting National Guard troops from also joining their State’s Defense Forces. This dilemma occurred during the Civil War with many “citizen soldiers” choosing to serve their states instead of the Federal Government.
Obama is angered by the several State Governors who have reestablished “State Defense Forces.” These forces are described as: “State Defense Forces (also known as State Guards, State Military Reserves, State Militias) in the United States are military units that operate under the sole authority of a state government; they are not regulated by the National Guard Bureau nor are they part of the Army National Guard of the United States. State Defense Forces are authorized by state and federal law and are under the command of the governor of each state. State Defense Forces are distinct from their state’s National Guard in that they cannot become federal entities.”
Mr. Obama is fearful of these State Defense Forces, in that he does not have control of said forces, and with the U.S. Military stretched to near breaking from multiple deployments and theatre actions in Iraq and Afghanistan, these State military forces would be under the direct command and authority of the Governors in which states have said forces. In essence, the Governors would have “de facto control” of the United States.
Saturday, August 24, 2013
The The Future Not Bright - More Reasons for the Impending Economic Collapse
From an article by Michael Synder, called "35 Facts To Scare A Baby Boomer", posted on the The Economic Collapse Blog, hich is a really good source for,..well,...news, predictions and reasons that we face a economic collapse.
If you have some people you are dripping prepping to, and we all know some of those people. Peeople who are can't stand by themselves,...people on the fence on gun issues, or just don't see the need for "military style" weapons in the hands of the common citizenry,....people who have maybe three days food in their house. Anyway,........without further ado, Michael Synder's excellent article.
If you want to frighten Baby Boomers, just show them the list of statistics in this article. The United States is headed for a retirement crisis of unprecedented magnitude, and we are woefully unprepared for it. At this point, more than 10,000 Baby Boomers are reaching the age of 65 every single day, and this will continue to happen for almost the next 20 years. The number of senior citizens in America is projected to more than double during the first half of this century, and some absolutely enormous financial promises have been made to them.
So will we be able to keep those promises to the hordes of American workers that are rapidly approaching retirement? Of course not. State and local governments are facing trillions in unfunded pension liabilities. Medicare is facing a 38 trillion dollar shortfall over the next 75 years. The Social Security system is facing a 134 trillion dollar shortfall over the next 75 years. Meanwhile, nearly half of all American workers have less than $10,000 saved for retirement.
The truth is that I was being incredibly kind when I said earlier that we are "woefully unprepared" for what is coming. The biggest retirement crisis in history is rapidly approaching, and a lot of the promises that were made to the Baby Boomers are going to get broken.
The following are 35 incredibly shocking statistics that will scare just about any Baby Boomer...
1. Right now, there are somewhere around 40 million senior citizens in the United States. By 2050 that number is projected to skyrocket to 89 million.
2. According to one recent poll, 25 percent of all Americans in the 46 to 64-year-old age bracket have no retirement savings at all.
3. 26 percent of all Americans in the 46 to 64-year-old age bracket have no personal savings whatsoever.
4. One survey that covered all American workers found that 46 percent of them have less than $10,000 saved for retirement.
5. According to a survey conducted by the Employee Benefit Research Institute, "60 percent of American workers said the total value of their savings and investments is less than $25,000".
6. A Pew Research survey found that half of all Baby Boomers say that their household financial situations have deteriorated over the past year.
7. 67 percent of all American workers believe that they "are a little or a lot behind schedule on saving for retirement".
8. Today, one out of every six elderly Americans lives below the federal poverty line.
9. More elderly Americans than ever are finding that they must continue working once they reach their retirement years. Between 1985 and 2010, the percentage of Americans in the 65 to 69-year-old age bracket that were still working increased from 18 percent to 32 percent.
10. Back in 1991, half of all American workers planned to retire before they reached the age of 65. Today, that number has declined to 23 percent.
11. According to one recent survey, 70 percent of all American workers expect to continue working once they are "retired".
12. According to a poll conducted by AARP, 40 percent of all Baby Boomers plan to work "until they drop".
13. A poll conducted by CESI Debt Solutions found that 56 percent of American retirees still had outstanding debts when they retired.
14. Elderly Americans tend to carry much higher balances on their credit cards than younger Americans do. The following is from a recent CNBC article...
New research from the AARP also shows that those ages 50 and over are carrying higher balances on their credit cards -- $8,278 in 2012 compared to $6,258 for the under-50 population.
15. A study by a law professor at the University of Michigan found that Americans that are 55 years of age or older now account for 20 percent of all bankruptcies in the United States. Back in 2001, they only accounted for 12 percent of all bankruptcies.
16. Between 1991 and 2007 the number of Americans between the ages of 65 and 74 that filed for bankruptcy rose by a staggering 178 percent.
17. What is causing most of these bankruptcies among the elderly? The number one cause is medical bills. According to a report published in The American Journal of Medicine, medical bills are a major factor in more than 60 percent of the personal bankruptcies in the United States. Of those bankruptcies that were caused by medical bills, approximately 75 percent of them involved individuals that actually did have health insurance.
18. In 1945, there were 42 workers for every retiree receiving Social Security benefits. Today, that number has fallen to 2.5 workers, and if you eliminate all government workers, that leaves only 1.6 private sector workers for every retiree receiving Social Security benefits.
19. Millions of elderly Americans these days are finding it very difficult to survive on just a Social Security check. The truth is that most Social Security checks simply are not that large. The following comes directly from the Social Security Administration website...
The average monthly Social Security benefit for a retired worker was about $1,230 at the beginning of 2012. This amount changes monthly based upon the total amount of all benefits paid and the total number of people receiving benefits.
Could you live on about 300 dollars a week?
20. Social Security benefits are not going to stretch as far in future years. The following is from an article on the AARP website...
Social Security benefits won't go as far, either. In 2002, benefits replaced 39 percent of the average retirees salary, and that will decline to 28 percent in 2030, when the youngest boomers reach full retirement age, according to the Center for Retirement Research at Boston College.
21. In the United States today, more than 61 million Americans receive some form of Social Security benefits. By 2035, that number is projected to soar to a whopping 91 million.
22. Overall, the Social Security system is facing a 134 trillion dollar shortfall over the next 75 years.
23. As I wrote about in a previous article, the number of Americans on Medicare is expected to grow from 50.7 million in 2012 to 73.2 million in 2025.
24. Medicare is facing unfunded liabilities of more than 38 trillion dollars over the next 75 years. That comes to approximately $328,404 for each and every household in the United States.
25. Today, only 10 percent of private companies in the U.S. provide guaranteed lifelong pensions for their employees.
26. Verizon's pension plan is underfunded by 3.4 billion dollars.
27. In California, the Orange County Employees Retirement System is estimated to have a 10 billion dollar unfunded pension liability.
28. The state of Illinois has accumulated unfunded pension liabilities of more than 77 billion dollars.
29. Pension consultant Girard Miller told California's Little Hoover Commission that state and local government bodies in the state of California have 325 billion dollars in combined unfunded pension liabilities.
30. According to Northwestern University Professor John Rauh, the latest estimate of the total amount of unfunded pension and healthcare obligations for retirees that state and local governments across the United States have accumulated is 4.4 trillion dollars.
31. In 2010, 28 percent of all American workers with a 401(k) had taken money out of it at some point.
32. Back in 2004, American workers were taking about 30 billion dollars in early withdrawals out of their 401(k) accounts every single year. Right now, American workers are pulling about 70 billion dollars in early withdrawals out of their 401(k) accounts every single year.
33. Today, 49 percent of all American workers are not covered by an employment-based pension plan at all.
34. According to a recent survey conducted by Americans for Secure Retirement, 88 percent of all Americans are worried about "maintaining a comfortable standard of living in retirement".
35. A study conducted by Boston College's Center for Retirement Research found that American workers are $6.6 trillion short of what they need to retire comfortably.
So what is the solution? Well, one influential organization of business executives says that the solution is to make Americans wait longer for retirement. The following is from a recent CBS News article...
An influential group of business CEOs is pushing a plan to gradually increase the full retirement age to 70 for both Social Security and Medicare and to partially privatize the health insurance program for older Americans.
The Business Roundtable's plan would protect those 55 and older from cuts but younger workers would face significant changes. The plan unveiled Wednesday would result in smaller annual benefit increases for all Social Security recipients. Initial benefits for wealthy retirees would also be smaller.
But considering the fact that there aren't nearly enough jobs for all Americans already, perhaps that is not such a great idea. If we expect Americans to work longer, then we are going to need our economy to start producing a lot more good jobs than it is producing right now.
Of course the status quo is not going to work either. There is no way that we are going to be able to meet the financial obligations that are coming due.
The federal government, our state governments and our local governments are already drowning in debt and we are already spending far more money than we bring in each year. How in the world are we going to make ends meet as our obligations to retirees absolutely skyrocket in the years ahead?
What is going on in Detroit right now is a perfect example of what will soon be happening all over the nation. Many city workers stuck with their jobs for decades because of the promise of a nice pension at the end of the rainbow. But now those promises are going up in smoke. There has even been talk that retirees will only end up getting about 10 cents for every dollar that they were promised.
If you have some people you are dripping prepping to, and we all know some of those people. Peeople who are can't stand by themselves,...people on the fence on gun issues, or just don't see the need for "military style" weapons in the hands of the common citizenry,....people who have maybe three days food in their house. Anyway,........without further ado, Michael Synder's excellent article.
If you want to frighten Baby Boomers, just show them the list of statistics in this article. The United States is headed for a retirement crisis of unprecedented magnitude, and we are woefully unprepared for it. At this point, more than 10,000 Baby Boomers are reaching the age of 65 every single day, and this will continue to happen for almost the next 20 years. The number of senior citizens in America is projected to more than double during the first half of this century, and some absolutely enormous financial promises have been made to them.
So will we be able to keep those promises to the hordes of American workers that are rapidly approaching retirement? Of course not. State and local governments are facing trillions in unfunded pension liabilities. Medicare is facing a 38 trillion dollar shortfall over the next 75 years. The Social Security system is facing a 134 trillion dollar shortfall over the next 75 years. Meanwhile, nearly half of all American workers have less than $10,000 saved for retirement.
The truth is that I was being incredibly kind when I said earlier that we are "woefully unprepared" for what is coming. The biggest retirement crisis in history is rapidly approaching, and a lot of the promises that were made to the Baby Boomers are going to get broken.
The following are 35 incredibly shocking statistics that will scare just about any Baby Boomer...
1. Right now, there are somewhere around 40 million senior citizens in the United States. By 2050 that number is projected to skyrocket to 89 million.
2. According to one recent poll, 25 percent of all Americans in the 46 to 64-year-old age bracket have no retirement savings at all.
3. 26 percent of all Americans in the 46 to 64-year-old age bracket have no personal savings whatsoever.
4. One survey that covered all American workers found that 46 percent of them have less than $10,000 saved for retirement.
5. According to a survey conducted by the Employee Benefit Research Institute, "60 percent of American workers said the total value of their savings and investments is less than $25,000".
6. A Pew Research survey found that half of all Baby Boomers say that their household financial situations have deteriorated over the past year.
7. 67 percent of all American workers believe that they "are a little or a lot behind schedule on saving for retirement".
8. Today, one out of every six elderly Americans lives below the federal poverty line.
9. More elderly Americans than ever are finding that they must continue working once they reach their retirement years. Between 1985 and 2010, the percentage of Americans in the 65 to 69-year-old age bracket that were still working increased from 18 percent to 32 percent.
10. Back in 1991, half of all American workers planned to retire before they reached the age of 65. Today, that number has declined to 23 percent.
11. According to one recent survey, 70 percent of all American workers expect to continue working once they are "retired".
12. According to a poll conducted by AARP, 40 percent of all Baby Boomers plan to work "until they drop".
13. A poll conducted by CESI Debt Solutions found that 56 percent of American retirees still had outstanding debts when they retired.
14. Elderly Americans tend to carry much higher balances on their credit cards than younger Americans do. The following is from a recent CNBC article...
New research from the AARP also shows that those ages 50 and over are carrying higher balances on their credit cards -- $8,278 in 2012 compared to $6,258 for the under-50 population.
15. A study by a law professor at the University of Michigan found that Americans that are 55 years of age or older now account for 20 percent of all bankruptcies in the United States. Back in 2001, they only accounted for 12 percent of all bankruptcies.
16. Between 1991 and 2007 the number of Americans between the ages of 65 and 74 that filed for bankruptcy rose by a staggering 178 percent.
17. What is causing most of these bankruptcies among the elderly? The number one cause is medical bills. According to a report published in The American Journal of Medicine, medical bills are a major factor in more than 60 percent of the personal bankruptcies in the United States. Of those bankruptcies that were caused by medical bills, approximately 75 percent of them involved individuals that actually did have health insurance.
18. In 1945, there were 42 workers for every retiree receiving Social Security benefits. Today, that number has fallen to 2.5 workers, and if you eliminate all government workers, that leaves only 1.6 private sector workers for every retiree receiving Social Security benefits.
19. Millions of elderly Americans these days are finding it very difficult to survive on just a Social Security check. The truth is that most Social Security checks simply are not that large. The following comes directly from the Social Security Administration website...
The average monthly Social Security benefit for a retired worker was about $1,230 at the beginning of 2012. This amount changes monthly based upon the total amount of all benefits paid and the total number of people receiving benefits.
Could you live on about 300 dollars a week?
20. Social Security benefits are not going to stretch as far in future years. The following is from an article on the AARP website...
Social Security benefits won't go as far, either. In 2002, benefits replaced 39 percent of the average retirees salary, and that will decline to 28 percent in 2030, when the youngest boomers reach full retirement age, according to the Center for Retirement Research at Boston College.
21. In the United States today, more than 61 million Americans receive some form of Social Security benefits. By 2035, that number is projected to soar to a whopping 91 million.
22. Overall, the Social Security system is facing a 134 trillion dollar shortfall over the next 75 years.
23. As I wrote about in a previous article, the number of Americans on Medicare is expected to grow from 50.7 million in 2012 to 73.2 million in 2025.
24. Medicare is facing unfunded liabilities of more than 38 trillion dollars over the next 75 years. That comes to approximately $328,404 for each and every household in the United States.
25. Today, only 10 percent of private companies in the U.S. provide guaranteed lifelong pensions for their employees.
26. Verizon's pension plan is underfunded by 3.4 billion dollars.
27. In California, the Orange County Employees Retirement System is estimated to have a 10 billion dollar unfunded pension liability.
28. The state of Illinois has accumulated unfunded pension liabilities of more than 77 billion dollars.
29. Pension consultant Girard Miller told California's Little Hoover Commission that state and local government bodies in the state of California have 325 billion dollars in combined unfunded pension liabilities.
30. According to Northwestern University Professor John Rauh, the latest estimate of the total amount of unfunded pension and healthcare obligations for retirees that state and local governments across the United States have accumulated is 4.4 trillion dollars.
31. In 2010, 28 percent of all American workers with a 401(k) had taken money out of it at some point.
32. Back in 2004, American workers were taking about 30 billion dollars in early withdrawals out of their 401(k) accounts every single year. Right now, American workers are pulling about 70 billion dollars in early withdrawals out of their 401(k) accounts every single year.
33. Today, 49 percent of all American workers are not covered by an employment-based pension plan at all.
34. According to a recent survey conducted by Americans for Secure Retirement, 88 percent of all Americans are worried about "maintaining a comfortable standard of living in retirement".
35. A study conducted by Boston College's Center for Retirement Research found that American workers are $6.6 trillion short of what they need to retire comfortably.
So what is the solution? Well, one influential organization of business executives says that the solution is to make Americans wait longer for retirement. The following is from a recent CBS News article...
An influential group of business CEOs is pushing a plan to gradually increase the full retirement age to 70 for both Social Security and Medicare and to partially privatize the health insurance program for older Americans.
The Business Roundtable's plan would protect those 55 and older from cuts but younger workers would face significant changes. The plan unveiled Wednesday would result in smaller annual benefit increases for all Social Security recipients. Initial benefits for wealthy retirees would also be smaller.
But considering the fact that there aren't nearly enough jobs for all Americans already, perhaps that is not such a great idea. If we expect Americans to work longer, then we are going to need our economy to start producing a lot more good jobs than it is producing right now.
Of course the status quo is not going to work either. There is no way that we are going to be able to meet the financial obligations that are coming due.
The federal government, our state governments and our local governments are already drowning in debt and we are already spending far more money than we bring in each year. How in the world are we going to make ends meet as our obligations to retirees absolutely skyrocket in the years ahead?
What is going on in Detroit right now is a perfect example of what will soon be happening all over the nation. Many city workers stuck with their jobs for decades because of the promise of a nice pension at the end of the rainbow. But now those promises are going up in smoke. There has even been talk that retirees will only end up getting about 10 cents for every dollar that they were promised.
Monday, August 19, 2013
78 Survival Skills Everyone Should Know
This is an article written by Jeremy Knauff on "How to Survive It.com"
While I applaude his workmanlike efforts to build a survival skills task list, this list is not complete as Jeremy admits. I don't think one person could build a complete list,...at least not in a short period of time. I decidely to post Jeremy's list and add my own, in italics, as his tasks generated thoughts of my own. Undoubtably the readers of this will have many more.
Jeremy's aticle:
Survival is based largely on two things: a positive mental attitude and knowledge. With those two covered, you can make up for any lack of tools. Knowledge doesn’t break, wear out, and short of forgetting a thing or two, you generally can’t lose it.
Below, I’ve compiled a list of skills I think everyone should know. This is by no means a “complete” list because there is always room to learn more, and the more you know, the greater your chances of survival. But this will give you a solid foundation and a far broader skill set than most people. Everyone should know how to:
Drive a stick shift. Jump start a car; siphon or procure fuel from a disabled/abandoned vehicle.
Swim. Make an improvised flotation device.
Start a fire without matches or a lighter. Use flint and steel, a magnesium fire starter, a magnifying glass and the bow method to build a fire.
Build a garden
Use herbal remedies
Produce beer/wine
Build your local community. Develop an early warning system(s) and communications methods within your neighborhood.
Tan leather
Cure/smoke meat
Make soap
Construct animal/fish traps. Construct and emplace booby traps and early warning devices.
Make activated charcoal
Survive hypothermia. Recognize and treat Hot and Cold weather injuries.
Properly load a backpack
Conduct basic repairs (home, auto, equipment, etc.)
Operate a ham radio. Develop and use a radio brevity code system.
Defend yourself without a weapon
Identify surveillance
Build a rainwater collection system
Weld
Accurately fire an arrow
Dehydrate food.
Construct snowshoes
Build a raft with a tarp
Navigate using the stars. Navigate with a compass (dead reckoning); read a map (terrain features and marginal information; perform intersection and resection using a compass and a map.
Right an overturned raft Build with stone/brick (basic masonry)
Cut down a tree with an ax
Forage for food. Identify edible (and poisonous plants).
Sew and/or make clothing
Pilot a boat
Shoot a firearm accurately. Be able to disassmble, clean, assemble and perform a functions check on firearms. Be able to perform remedial actions on stoppages.
Find water
Utilize camouflage. Build a single fighting position. Build mutually supporting fighting positions. Build a camouflaged and concealed observation/listening post.
Construct a pond
Can food
Ski
Dig a latrine
Build with wood (basic carpentry)
Determine authenticity of gold and silver
Rappel
Follow a trail/tracking. Sterilize your trail - employ counter-tracking measures.
Use less-lethal weapons (baton, stun gun, pepper spray, etc.)
Metal working (blacksmith)
Lose a tail
Operate power tools
Construct a splint. Build a field expedient litter.
Open a can without a can opener
Drive a motorcycle
Construct a net
Identify animals by tracks and/or scat
Patch a tire. Fix a flat by plugging a tire.
Reload ammunition
Build a bow and arrow
Administer first aid. Perform CPR; Treat for a gunshot wound; emplace a torniquet; treat a sucking chest wound;
Identify venomous snakes. Treat for poisonous snake bite.
Accurately fire a slingshot
Make candles
Raise fish (for food)
Distill water/alcohol
Hot wire a car
Cook without a stove. Build a solar oven.
Survive heat injuries
Raise livestock
Find tinder
Create fertile soil. Develop a compost system.
Make charcloth
Properly store food
Survive a riot
Sharpen a knife
Butcher livestock. Field dress and butcher wild game.
Purify water
Make leather products (sheathes, holsters, boots, etc.)
Hunt and fish
Cast bullets
Maintain a bee hive
Use hand tools
Tie a knot. Be able to tie these knots: square knot, bowline and clove hitch
On his site, Jeremy advertises: "Are there any skills you think should be on this list? Let me know (in the comments box below)." Go to the link and give him some suggestions.
While I applaude his workmanlike efforts to build a survival skills task list, this list is not complete as Jeremy admits. I don't think one person could build a complete list,...at least not in a short period of time. I decidely to post Jeremy's list and add my own, in italics, as his tasks generated thoughts of my own. Undoubtably the readers of this will have many more.
Jeremy's aticle:
Survival is based largely on two things: a positive mental attitude and knowledge. With those two covered, you can make up for any lack of tools. Knowledge doesn’t break, wear out, and short of forgetting a thing or two, you generally can’t lose it.
Below, I’ve compiled a list of skills I think everyone should know. This is by no means a “complete” list because there is always room to learn more, and the more you know, the greater your chances of survival. But this will give you a solid foundation and a far broader skill set than most people. Everyone should know how to:
Drive a stick shift. Jump start a car; siphon or procure fuel from a disabled/abandoned vehicle.
Swim. Make an improvised flotation device.
Start a fire without matches or a lighter. Use flint and steel, a magnesium fire starter, a magnifying glass and the bow method to build a fire.
Build a garden
Use herbal remedies
Produce beer/wine
Build your local community. Develop an early warning system(s) and communications methods within your neighborhood.
Tan leather
Cure/smoke meat
Make soap
Construct animal/fish traps. Construct and emplace booby traps and early warning devices.
Make activated charcoal
Survive hypothermia. Recognize and treat Hot and Cold weather injuries.
Properly load a backpack
Conduct basic repairs (home, auto, equipment, etc.)
Operate a ham radio. Develop and use a radio brevity code system.
Defend yourself without a weapon
Identify surveillance
Build a rainwater collection system
Weld
Accurately fire an arrow
Dehydrate food.
Construct snowshoes
Build a raft with a tarp
Navigate using the stars. Navigate with a compass (dead reckoning); read a map (terrain features and marginal information; perform intersection and resection using a compass and a map.
Right an overturned raft Build with stone/brick (basic masonry)
Cut down a tree with an ax
Forage for food. Identify edible (and poisonous plants).
Sew and/or make clothing
Pilot a boat
Shoot a firearm accurately. Be able to disassmble, clean, assemble and perform a functions check on firearms. Be able to perform remedial actions on stoppages.
Find water
Utilize camouflage. Build a single fighting position. Build mutually supporting fighting positions. Build a camouflaged and concealed observation/listening post.
Construct a pond
Can food
Ski
Dig a latrine
Build with wood (basic carpentry)
Determine authenticity of gold and silver
Rappel
Follow a trail/tracking. Sterilize your trail - employ counter-tracking measures.
Use less-lethal weapons (baton, stun gun, pepper spray, etc.)
Metal working (blacksmith)
Lose a tail
Operate power tools
Construct a splint. Build a field expedient litter.
Open a can without a can opener
Drive a motorcycle
Construct a net
Identify animals by tracks and/or scat
Patch a tire. Fix a flat by plugging a tire.
Reload ammunition
Build a bow and arrow
Administer first aid. Perform CPR; Treat for a gunshot wound; emplace a torniquet; treat a sucking chest wound;
Identify venomous snakes. Treat for poisonous snake bite.
Accurately fire a slingshot
Make candles
Raise fish (for food)
Distill water/alcohol
Hot wire a car
Cook without a stove. Build a solar oven.
Survive heat injuries
Raise livestock
Find tinder
Create fertile soil. Develop a compost system.
Make charcloth
Properly store food
Survive a riot
Sharpen a knife
Butcher livestock. Field dress and butcher wild game.
Purify water
Make leather products (sheathes, holsters, boots, etc.)
Hunt and fish
Cast bullets
Maintain a bee hive
Use hand tools
Tie a knot. Be able to tie these knots: square knot, bowline and clove hitch
On his site, Jeremy advertises: "Are there any skills you think should be on this list? Let me know (in the comments box below)." Go to the link and give him some suggestions.
Sunday, August 11, 2013
Is FEMA Stocking up on Survival Food?
From an article by Shepard Abellas on Intellihub.com titled, "Survival Food Company Urgently Contacted By FEMA – Is a War Or Disaster Looming?"
Not that I'm buying into this right now,...it could be as simple as spending end of the year funds. The way the government agencies work is that they budget funding before the fiscal year and through the next fiscal year they may not need nor purchase what they budgeted for, leaving excess money. And another thing about government agencies,...they do not turn back money as the next year they'll get less. Kinda counter productive wouldn't you say?
Anyway, I'll let the readers decide for themselves about any spending by FEMA, wasteful or nefarious as it may be.
The Article:
Recently my friend who owns a preparedness and survival food company was contacted by FEMA and the questions might scare you. My friend Matt, the owner of MyPatriotSupply.com was contacted by the Federal Emergency Management Agency (FEMA) by way of email, leading on that something is ready to pop off.
Matt being the patriot he is immediately contacted me with this disturbing news. He even provided screenshots of the actual email sent by a FEMA representative. The names and revealing information have been blurred out.
Matt of MyPatriotSupply.com wrote, “here we are, August 2013 and FEMA once again is trying to buy up large stockpiles of food. And they don’t want anyone to know it, and they want to take immediately delivery… I’ve studied history. That is what got me into preparedness in the first place. History has shown us time after time that those who depend on the government to come to their aid during a disaster are the ones waiting the longest for help. Sometimes help never comes…or comes too late.
I do not believe these critical emergency food supplies should be in the hands of the government, stored in some secret warehouse only to be brought out and distributed to their own agencies first, with the rest of us getting table scraps long after we need it.
These life-saving meals belong in the hands of people like you and me. This is why I declined the opportunity to sell to the Department of Homeland Security.
But let’s not forget the most important part of this: Why the sudden sense of urgency? What do they know that we do not?
I’m not one to cry that the sky is always falling, but when DHS/FEMA make a move to quietly buy up emergency food supplies and ask how much we can ship within 24 hours…I think this is far enough outside the realm of what is “normal” to beg some questions.
Fortunately I’ve been in this business long enough to predict what happens next. One or more of the other “survival companies” out there will inevitably see a chance to make a quick buck from Uncle Sam (which is really paid for by us, the taxpayer). This could create a run on many of the core raw ingredients used by emergency food makers that will cause a ripple effect throughout the industry as supply chains become bottle-necked handling the FEMA/DHS request.”
This is extremely disturbing to know.
What is the government gearing up for? A major disaster or war they know is coming?
I myself don’t want to be left in the dark.
Matt’s Preparedness Website here:
Not that I'm buying into this right now,...it could be as simple as spending end of the year funds. The way the government agencies work is that they budget funding before the fiscal year and through the next fiscal year they may not need nor purchase what they budgeted for, leaving excess money. And another thing about government agencies,...they do not turn back money as the next year they'll get less. Kinda counter productive wouldn't you say?
Anyway, I'll let the readers decide for themselves about any spending by FEMA, wasteful or nefarious as it may be.
The Article:
Recently my friend who owns a preparedness and survival food company was contacted by FEMA and the questions might scare you. My friend Matt, the owner of MyPatriotSupply.com was contacted by the Federal Emergency Management Agency (FEMA) by way of email, leading on that something is ready to pop off.
Matt being the patriot he is immediately contacted me with this disturbing news. He even provided screenshots of the actual email sent by a FEMA representative. The names and revealing information have been blurred out.
Matt of MyPatriotSupply.com wrote, “here we are, August 2013 and FEMA once again is trying to buy up large stockpiles of food. And they don’t want anyone to know it, and they want to take immediately delivery… I’ve studied history. That is what got me into preparedness in the first place. History has shown us time after time that those who depend on the government to come to their aid during a disaster are the ones waiting the longest for help. Sometimes help never comes…or comes too late.
I do not believe these critical emergency food supplies should be in the hands of the government, stored in some secret warehouse only to be brought out and distributed to their own agencies first, with the rest of us getting table scraps long after we need it.
These life-saving meals belong in the hands of people like you and me. This is why I declined the opportunity to sell to the Department of Homeland Security.
But let’s not forget the most important part of this: Why the sudden sense of urgency? What do they know that we do not?
I’m not one to cry that the sky is always falling, but when DHS/FEMA make a move to quietly buy up emergency food supplies and ask how much we can ship within 24 hours…I think this is far enough outside the realm of what is “normal” to beg some questions.
Fortunately I’ve been in this business long enough to predict what happens next. One or more of the other “survival companies” out there will inevitably see a chance to make a quick buck from Uncle Sam (which is really paid for by us, the taxpayer). This could create a run on many of the core raw ingredients used by emergency food makers that will cause a ripple effect throughout the industry as supply chains become bottle-necked handling the FEMA/DHS request.”
This is extremely disturbing to know.
What is the government gearing up for? A major disaster or war they know is coming?
I myself don’t want to be left in the dark.
Matt’s Preparedness Website here:
Thursday, August 8, 2013
More on Community Organization for the Collapse
Anonymous left a new comment on your post Green Beret versus Doomsday Prepper: "I don't really disagree with this story. But I don't agree that 400 neighbors is necessarily better then going it alone. I can assure you some of those 400 neighbors don't like you and some want what you have. If you think politics and human greed will suspend itself until the crisis ends you are wrong. The difference will be that you will have enemies within AND outside. You will not know who is your friend. Those people who openly dislike you are probably harmless while those who dislike you but put on a fake front will probably do you harm. The lady down the street with three kids and a husband thrives on drama and enjoys turning one person against another. That middle aged quiet guy is infatuated with your wife and thinks if he could eliminate you he would have a chance with her. That sullen guy that never talks much is still pissed at you for parking in the street a year ago in a spot he thinks is for him alone. Some of these people will do you harm directly or indirectly and you probably won't see it coming. "
UrbanMan's reply:" I do not disagree with you. Most of us that have ever been involved with some sort of Mil or LE team would rather have a small team of trained and trusted individuals as opposed to having dozens of individuals with suspect motives and character.
Let's say you decide to Bug In. If you make no effort to develop your neighbors into at least a loosely based group for mutual support, then you face, potentially, a much larger close threat. Again, I agree with your supposition that you would have neighbors who dislike you, even hate you and want what you have be it supplies, weapons,...or as you put it "your wife". (side note: he would have no idea what he would be getting into!).
I think there will be several categories of people in your possible Survivor Group:
1. People who would gladly welcome leadership and assistance in the confusing chaos of the collapse. These people may initially be the least useful, but you would need the manpower to do everything from main observation posts and checkpoints; construct necessary things; garden and grow crops; procure and/or filter water; procure (scrounge) necessary items.
2. People who will worthless. Not able to do anything, but expect someone to take care of them because we have bred that into our population the last 50 years. You may be able to make some of the types marginally useful, but the trick is to not let them such up resources at a ratio that far exceeds their contribution.
3. There will be people who disagree with most or everything you would be trying to do such as establish OP/LPS, checkpoints, develop teams to garden, procure, etc. They may be disagreeing out of fear, or out of some character flaw like wanting status and power. There will be people who are jealous of you and your "stuff". There will be people who may exploit the situation to bully or harass or even sexually assault women. You would have to deal with these people in order to develop the bigger team. Use your "spidy sense" in detecting these people if their overt actions and words don't expose them first. Hunkering down by your lonesome, in my mind is not an option.
Let's just say, worst case scenario, you don't do any team building, ......don't interface with your neighbors,.......or anything. Then the collapse starts. Let's say it's an oil boycott, followed quickly by a stock market collapse and within days food deliveries to groceries and stores are drying up and the local government basically collapses as hyper inflation hits. Going to your nearest neighbors, the ones you think are approach-able and asking how they are doing and make some suggestions on security, protection, water storage, food stocks could only build rapport and enhance your standing with them. At a minimum they could become eyes and ears for you enhancing your security.
I have a bunch of FRS radios that I can give out to my neighbors, albeit at the right time, so we can communicate. I can replace their batteries periodically with my solar powered re-chargeable systems. If a neighbor makes comms with me saying he has some suspicious people lurking about, my choices are to address the potential or actual threat now or to wait until they try and loot my house. Me and mine? We're being pro-active.
Who knows maybe your neighbors have some skills that will augment your survival plan. Maybe the old lady down the street grows tomatoes and cans them. Maybe there is a young couple across the street wit hthe husband being a welder and his wife a practical nurse.
It is much better knowing all this before the collapse. It would makes organization much easier knowing your neighbors, having rapport, building respect between you and them now as opposed to when the collapse and therefore panic hits.
You are absolutely right about be wary of the shitheads, but you'll have to deal with them in order to build that community survival group for the benefit of all. Afterall, you can always Bug Out if need be.
UrbanMan's reply:" I do not disagree with you. Most of us that have ever been involved with some sort of Mil or LE team would rather have a small team of trained and trusted individuals as opposed to having dozens of individuals with suspect motives and character.
Let's say you decide to Bug In. If you make no effort to develop your neighbors into at least a loosely based group for mutual support, then you face, potentially, a much larger close threat. Again, I agree with your supposition that you would have neighbors who dislike you, even hate you and want what you have be it supplies, weapons,...or as you put it "your wife". (side note: he would have no idea what he would be getting into!).
I think there will be several categories of people in your possible Survivor Group:
1. People who would gladly welcome leadership and assistance in the confusing chaos of the collapse. These people may initially be the least useful, but you would need the manpower to do everything from main observation posts and checkpoints; construct necessary things; garden and grow crops; procure and/or filter water; procure (scrounge) necessary items.
2. People who will worthless. Not able to do anything, but expect someone to take care of them because we have bred that into our population the last 50 years. You may be able to make some of the types marginally useful, but the trick is to not let them such up resources at a ratio that far exceeds their contribution.
3. There will be people who disagree with most or everything you would be trying to do such as establish OP/LPS, checkpoints, develop teams to garden, procure, etc. They may be disagreeing out of fear, or out of some character flaw like wanting status and power. There will be people who are jealous of you and your "stuff". There will be people who may exploit the situation to bully or harass or even sexually assault women. You would have to deal with these people in order to develop the bigger team. Use your "spidy sense" in detecting these people if their overt actions and words don't expose them first. Hunkering down by your lonesome, in my mind is not an option.
Let's just say, worst case scenario, you don't do any team building, ......don't interface with your neighbors,.......or anything. Then the collapse starts. Let's say it's an oil boycott, followed quickly by a stock market collapse and within days food deliveries to groceries and stores are drying up and the local government basically collapses as hyper inflation hits. Going to your nearest neighbors, the ones you think are approach-able and asking how they are doing and make some suggestions on security, protection, water storage, food stocks could only build rapport and enhance your standing with them. At a minimum they could become eyes and ears for you enhancing your security.
I have a bunch of FRS radios that I can give out to my neighbors, albeit at the right time, so we can communicate. I can replace their batteries periodically with my solar powered re-chargeable systems. If a neighbor makes comms with me saying he has some suspicious people lurking about, my choices are to address the potential or actual threat now or to wait until they try and loot my house. Me and mine? We're being pro-active.
Who knows maybe your neighbors have some skills that will augment your survival plan. Maybe the old lady down the street grows tomatoes and cans them. Maybe there is a young couple across the street wit hthe husband being a welder and his wife a practical nurse.
It is much better knowing all this before the collapse. It would makes organization much easier knowing your neighbors, having rapport, building respect between you and them now as opposed to when the collapse and therefore panic hits.
You are absolutely right about be wary of the shitheads, but you'll have to deal with them in order to build that community survival group for the benefit of all. Afterall, you can always Bug Out if need be.
Monday, August 5, 2013
The Cause of the Economic Collapse
We think, talk, plan and prepare a lot on the possibility or probability of some sort of economic or societal collapse. We discuss the indicators and the effects but never really mention the cause. That's probably because in some form or fashion that cause of the collapse will be politicians and our government. Through negligence, apathy, greed, idealogy, or even just plain stupidity the march continues to diminish our standard of living, our freedoms, and all this certainly makes the collapse look much nearer.
Here is another another article, called "Stupid to Tyranny", sent to me by a reader and written by William Horning on Constitutional Thinking. This article begins to lay out the argument,......
“The two aims of the Party are to conquer the whole world and to extinguish once and for all the possibility of independent thought.” George Orwell.
When you are either stupid, uninformed, or not thinking clearly, you don’t realize the time bombs are ticking for our country. Even the tea parties fall into one of these categories.
Professor Steven Yates wrote on America “Ticking Time Bombs” which could take down the country. First time bomb is political correctness, which is taught in the schools and promoted by the media. The government is the real problem, not whites, as it stirs up racial tension. The Zimmerman case was misreported from the start and improperly handled in court.
The second time bomb is Obamacare. “Its purpose … is to centralize sick care, fatten the profits of both Big Pharma and Big Insurance, and very possibly find a legal way of dealing with an aging population that will eventually break the Medicare and Social Security banks.” One researcher figures that the monthly health costs for a family of four will go up anywhere from 2-4 times.
While costs skyrocket, the quality of care will disintegrate. Patients over 70 had better not have anything major happen. Eventually care will be denied as they get an aspirin and a ride home. Cost cutting will demand it.
Our third time bomb is the employment situation. Full time jobs are declining and part time jobs are increasing. John Williams (www.shadowstats.com), a statistician/economist points out that the true unemployment rate is between 23% and 24%. It just isn’t so obvious due to government benefit programs. In addition, underemployment is growing. The outlook for improvement is not very good.
The fourth problem is the financial markets. The stock market is approaching record highs while the national debt approaches $17 trillion. The American people bailed out the banks that are making a killing while our economic health is declining. This situation won’t last.
Please note that all of these problems are created or allowed to happen by government. Our Criminal Congress, along with state legislatures, continues to make laws killing jobs, sovereignty, freedom, and honest government. We no longer have representative government. Our elected crooks only care about the power and rewards of being in office, not the Constitution.
The answer is to replace them with constitutional representatives. Devvy Kidd has written an article, “If You Ignore the Upcoming Primaries, We’re Toast.” I said the same thing months ago. The primaries are where constitutional conservatives can replace established Rhinos/Neocons. Tea Parties need to listen to this warning.
There are only approximately five months to prepare for the primary campaign. Instead of preparing, tea parties are doing stupid things, wasting time listening to current congressmen/state representatives, etc. They should be educating their members on the issues and how to recruit more members.
In 2010, 23 Tea Party Republicans were elected to the U.S. House, but most of them caved in right away voting to raise the debt limit, so candidates need education also. Tea Parties (or similar groups) should be recruiting candidates for every possible office. They should be planning a strategy to put the maximum number of “boots on the ground” and give financial support for the candidates.
I want to suggest that constitutional conservatives brush up on what real pastors believed at the time of the American Revolution. Then, they should get with their pastors and straighten them out. If that’s not possible, get out of that church. The churches are supposed to be leading our revival, but they are silent. Alexis de Tocqueville, searching for the secret to America’s success on his visit, stated that not until he entered the church did he learn, “why America was great and free, and why France was a slave.”
Today, we’re all slaves, because our churches are not engaged or are apostate. While 78% of Americas claim to be Christian, as Bradlee Dean, a preacher and talkshow host states, “effeminate hirelings have infiltrated the pulpits” and instead of preaching against sin, “they are attempting to cover it with false grace.” If we clean up our churches, we could have a strong force behind our push to restore
Here is another another article, called "Stupid to Tyranny", sent to me by a reader and written by William Horning on Constitutional Thinking. This article begins to lay out the argument,......
“The two aims of the Party are to conquer the whole world and to extinguish once and for all the possibility of independent thought.” George Orwell.
When you are either stupid, uninformed, or not thinking clearly, you don’t realize the time bombs are ticking for our country. Even the tea parties fall into one of these categories.
Professor Steven Yates wrote on America “Ticking Time Bombs” which could take down the country. First time bomb is political correctness, which is taught in the schools and promoted by the media. The government is the real problem, not whites, as it stirs up racial tension. The Zimmerman case was misreported from the start and improperly handled in court.
The second time bomb is Obamacare. “Its purpose … is to centralize sick care, fatten the profits of both Big Pharma and Big Insurance, and very possibly find a legal way of dealing with an aging population that will eventually break the Medicare and Social Security banks.” One researcher figures that the monthly health costs for a family of four will go up anywhere from 2-4 times.
While costs skyrocket, the quality of care will disintegrate. Patients over 70 had better not have anything major happen. Eventually care will be denied as they get an aspirin and a ride home. Cost cutting will demand it.
Our third time bomb is the employment situation. Full time jobs are declining and part time jobs are increasing. John Williams (www.shadowstats.com), a statistician/economist points out that the true unemployment rate is between 23% and 24%. It just isn’t so obvious due to government benefit programs. In addition, underemployment is growing. The outlook for improvement is not very good.
The fourth problem is the financial markets. The stock market is approaching record highs while the national debt approaches $17 trillion. The American people bailed out the banks that are making a killing while our economic health is declining. This situation won’t last.
Please note that all of these problems are created or allowed to happen by government. Our Criminal Congress, along with state legislatures, continues to make laws killing jobs, sovereignty, freedom, and honest government. We no longer have representative government. Our elected crooks only care about the power and rewards of being in office, not the Constitution.
The answer is to replace them with constitutional representatives. Devvy Kidd has written an article, “If You Ignore the Upcoming Primaries, We’re Toast.” I said the same thing months ago. The primaries are where constitutional conservatives can replace established Rhinos/Neocons. Tea Parties need to listen to this warning.
There are only approximately five months to prepare for the primary campaign. Instead of preparing, tea parties are doing stupid things, wasting time listening to current congressmen/state representatives, etc. They should be educating their members on the issues and how to recruit more members.
In 2010, 23 Tea Party Republicans were elected to the U.S. House, but most of them caved in right away voting to raise the debt limit, so candidates need education also. Tea Parties (or similar groups) should be recruiting candidates for every possible office. They should be planning a strategy to put the maximum number of “boots on the ground” and give financial support for the candidates.
I want to suggest that constitutional conservatives brush up on what real pastors believed at the time of the American Revolution. Then, they should get with their pastors and straighten them out. If that’s not possible, get out of that church. The churches are supposed to be leading our revival, but they are silent. Alexis de Tocqueville, searching for the secret to America’s success on his visit, stated that not until he entered the church did he learn, “why America was great and free, and why France was a slave.”
Today, we’re all slaves, because our churches are not engaged or are apostate. While 78% of Americas claim to be Christian, as Bradlee Dean, a preacher and talkshow host states, “effeminate hirelings have infiltrated the pulpits” and instead of preaching against sin, “they are attempting to cover it with false grace.” If we clean up our churches, we could have a strong force behind our push to restore
Friday, August 2, 2013
Green Beret versus Doomsday Prepper
An article posted month back on the Daily Sheeple, written by Sobert Gummer, titled "Why You Should Think Like A Green Beret Instead Of A Doomsday Prepper". Visit his website often as he has some good article posted there.
This was sent to me by a reader who commented that he too believed in his Bug In plan as long as he can, and to work on developing his local suburban neighborhood into a post collapse survival team. Obviously any grouping of people will be much better off with the more work they can put into team building prior to the collapse, but sometimes this is not always viable. Not every neighborhood has a Home Owners Association which is a ready made organization, useful to communications and coordinating efforts. In lieu of an HOA, a neighborhood watch committee would be the next step and a ready made reason to walk the neighborhood and meet the dwellers. Anyway, great article by Sobert Gummer.
There is a disaster coming and you have a decision to make: Is it better to live like a rat in a hole (a bunker) or to network with your neighbors and organize your local area of operation? Sure, it’s a loaded question but it brings up an interesting point: That even the lone wolf can’t survive long by himself. We are social pack animals by nature and the stronger we make our local “pack” the better our chances of survival.
I’d rather have a local neighborhood of 400 organized, motivated individuals defending an area and watching each other’s back than to go it alone in a ten foot corrugated pipe buried in the middle of nowhere. And if we agree on this point, then it makes perfect sense to look at the Green Berets for inspiration.
The Green Berets are the U.S. Special Forces elite commandos who get dropped behind enemy lines and are tasked with organizing the local or indigenous population toward a specific goal. They are smart, motivated and trained in tactics that make them extreme force multipliers. This should be your goal as a prepper, because surviving alone is too big of a job. The days of “Liver Eatin’” Johnson, where a mountain man could live in the back country for years at a time, wasn’t even a high survivability endeavor back in the 1800′s. The odds that one man or even a small family can, “face it alone” are very slim. Sure, you might get lucky and pull it off, but personally I prefer to play the odds. And if we look at history, the odds on survival as part of a community are much greater than going it alone– which is why communities formed in the first place.
In a disaster scenario where there is No Rule Of Law (sidenote: See NutNFancy’s excellent Youtube video on WROL: Without Rule Of Law) there will be a power vacuum. People will be scared and afraid and this is where we as preppers need to be ready to step up and provide leadership. People will only huddle in their homes for so long and if an organizational structure isn’t set up quickly to utilize your neighborhood’s strengths and resources, then you may lose them forever.
First Things First
One of the first things that a Green Beret unit will do when deployed to an area is to set up an operational base in friendly territory that serves as both an operational and administrative focal point. The operational base is used for:
■Planning and Direction of Operations
■Communications Support
■Intelligence Support
■Logistical Support
■Briefing and Staging
■Infiltration
■Liason and Coordination
■Training
■Administration
Can you imagine setting up an operational base similar to what the Green Berets use by organizing your neighbors– perhaps at a local elementary school– and how it could be an asset in helping your community get through a Without Rule Of Law scenario?
Let’s compare two scenarios contrasting how modeling the Green Berets would work out much better for you and your family than modeling the typical character as portrayed on the Doomsday Preppers TV show:
A Tale Of Two Preppers
Timmy The Tool: Timmy has modeled his prepper plans in a similar manner to what he’s seen on the TV shows, including a buried corrugated pipe bunker that he’s stocked with two years worth of food for himself, his wife and his two kids, Timmy Jr. (9) and Susie (4).
Timmy lives in a non-descript suburban neighborhood in Bacon, Georgia. He doesn’t socialize or interact with any of his neighbors and the one’s who have made an effort to get to know him report that he is somewhat anti-social and odd.
When the balloon goes up, Timmy packs his wife and kids into his Chevy Suburban and gets on the road toward their buried bunker in the middle of nowhere. The trip is uneventful and Timmy hides his Suburban under a camouflage net and then ushers his family into the bunker.
Everything seems to be going swell the first night. But after seven days of living underground in a 10 foot by 40 foot bunker the kids won’t stop fighting and Timmy’s wife Helen is starting to show signs of emotional strain from being cooped up for so long without outside social interaction.
By Week 2 the radio stops working and Timmy can’t find where he put the backup radio. He’s now got a short temper and blames his wife, who’s close to the end of her fuse and can’t stop crying. Timmy’s daughter, on the other hand, has stopped communicating and their son spends most of his time escaping into books and has developed a strange cough. His wife is now begging Timmy to let them return to their home in the ‘burbs. But Timmy knows they must stay in the bunker in order to survive. It’s the only way at this point.
Two more weeks into the Crunch and Timmy’s wife has had enough. The boy is virulently sick and the antibiotics that Timmy had stored don’t seem to be helping. Their daughter has stopped eating and Timmy’s wife finally gives him an ultimatum: She’s taking the kids and returning to their home in the suburbs with or without him. Timmy weighs his options and decides that he can’t let her and the kids venture back to their house unprotected so he grudgingly packs their Chevy Suburban for the drive home. Or what’s left of their home. Looters have destroyed their neighborhood and most of the houses have burned to the ground because nobody organized the neighborhood into a defensive force that could have prevented the looting. Unfortunately, Timmy and his family will never make it home to see the wreckage because the highways are either closed or have been converted into ambush “kill zones” by marauding gangs before the military can restore order.
Meanwhile…
Ralph The Realist has adopted a different approach based on what he learned in the military as a Green Beret. Instead of withdrawing from his community he has taken proactive steps to deal with a “No Rule Of Law” scenario. Ralph is good friends with both the president of the neighborhood HOA and the principal of the nearby elementary school. Along with his wife and a couple of other friends of a similar mindset they have formed a prepper group and had begun taking action before the Crunch. Including storing ten 55-gallon drums of rice, wheat, beans and pasta in an unused storage shed at the local elementary school.
When news of rioting and societal breakdown begins to reach maximum velocity, Ralph and his group each begin to reach out to other friends and neighbors who – to no one’s surprise – are now very concerned about the current state of affairs, too. Many are open to taking action but nobody has a plan… except for Ralph and his group.
After the power grid goes down, Ralph’s prepper buddy, the president of the HOA, calls a neighborhood meeting and they discover that many of their neighbors have excellent skills that will help them survive the Crunch: One is a trauma nurse. Another is a welder. The guy down the street is a doctor and an avid hunter and there are several retired cops who live one block over.
Ralph asks for volunteers to form a neighborhood watch and almost everybody volunteers. They makes plans to barricade access to the neighborhood using old cars and RVs and set up a defensive perimeter. With roughly 150 families in their neighborhood there are more than enough adults with firearms experience to stand watch in shifts.
When Ralph’s son develops a strange cough, his wife takes her rifle and walks to the doctor’s house, a block over. She does not have to worry about leaving her house unattended since the “neighborhood watch on steriods” (hat tip: Rawles) is keeping the riff-raff out. The doctor correctly diagnoses her son’s cough and prescribes the right antibiotic. She then leaves her daughter to play with the doctor’s daughter for a few hours. The little one is coping with the Crunch as if it was a free day home from school: Fun!
After a week, Ralph’s son is feeling much better. His wife is happy and she has formed a gardening club with some of the other women on her block.
Three weeks later, Ralph receives word that things are still pretty crazy outside of their neighborhood. They’ve had a couple of gun fights when looters tried to gain access to their neighborhood but nobody was hurt. Word quickly spreads among the undesirables to leave Ralph’s neighborhood alone.
Everyone is coping reasonably well when a expedition group from another neighborhood proposes a trade of fish antibiotics (which can be used by humans) for some extra ammunition. The doctor advises Ralph that it would be a good trade, and since Ralph’s neighbor has a reloading press in his garage, they’re in no fear of running low on ammunition.
After another month, the military is finally able to get things under control and rule of law is restored.
A tale of two preppers: One a complete failure for adopting an ill-thought Lone Wolf strategy and the other successful after organizing his local neighborhood to withstand the perils of a Without Rule Of Law scenario.
About the Author: Sobert Gummer is the author of Sobert Gummer’s Survival Prepping For Hard Times web site. He has lived and traveled to some of the most dangerous cities in the world and has recently returned from living in South America where he fought off a home invasion with nothing more than a machete, married an Indian woman and had his head held over a fire by a Costa Rican witch doctor. He’s now back in the United States and prepping earnestly for an uncertain future while praying for the best. His latest book, Dogs For Preppers is now available at Amazon.com for your Kindle or Kindle app.
This was sent to me by a reader who commented that he too believed in his Bug In plan as long as he can, and to work on developing his local suburban neighborhood into a post collapse survival team. Obviously any grouping of people will be much better off with the more work they can put into team building prior to the collapse, but sometimes this is not always viable. Not every neighborhood has a Home Owners Association which is a ready made organization, useful to communications and coordinating efforts. In lieu of an HOA, a neighborhood watch committee would be the next step and a ready made reason to walk the neighborhood and meet the dwellers. Anyway, great article by Sobert Gummer.
There is a disaster coming and you have a decision to make: Is it better to live like a rat in a hole (a bunker) or to network with your neighbors and organize your local area of operation? Sure, it’s a loaded question but it brings up an interesting point: That even the lone wolf can’t survive long by himself. We are social pack animals by nature and the stronger we make our local “pack” the better our chances of survival.
I’d rather have a local neighborhood of 400 organized, motivated individuals defending an area and watching each other’s back than to go it alone in a ten foot corrugated pipe buried in the middle of nowhere. And if we agree on this point, then it makes perfect sense to look at the Green Berets for inspiration.
The Green Berets are the U.S. Special Forces elite commandos who get dropped behind enemy lines and are tasked with organizing the local or indigenous population toward a specific goal. They are smart, motivated and trained in tactics that make them extreme force multipliers. This should be your goal as a prepper, because surviving alone is too big of a job. The days of “Liver Eatin’” Johnson, where a mountain man could live in the back country for years at a time, wasn’t even a high survivability endeavor back in the 1800′s. The odds that one man or even a small family can, “face it alone” are very slim. Sure, you might get lucky and pull it off, but personally I prefer to play the odds. And if we look at history, the odds on survival as part of a community are much greater than going it alone– which is why communities formed in the first place.
In a disaster scenario where there is No Rule Of Law (sidenote: See NutNFancy’s excellent Youtube video on WROL: Without Rule Of Law) there will be a power vacuum. People will be scared and afraid and this is where we as preppers need to be ready to step up and provide leadership. People will only huddle in their homes for so long and if an organizational structure isn’t set up quickly to utilize your neighborhood’s strengths and resources, then you may lose them forever.
First Things First
One of the first things that a Green Beret unit will do when deployed to an area is to set up an operational base in friendly territory that serves as both an operational and administrative focal point. The operational base is used for:
■Planning and Direction of Operations
■Communications Support
■Intelligence Support
■Logistical Support
■Briefing and Staging
■Infiltration
■Liason and Coordination
■Training
■Administration
Can you imagine setting up an operational base similar to what the Green Berets use by organizing your neighbors– perhaps at a local elementary school– and how it could be an asset in helping your community get through a Without Rule Of Law scenario?
Let’s compare two scenarios contrasting how modeling the Green Berets would work out much better for you and your family than modeling the typical character as portrayed on the Doomsday Preppers TV show:
A Tale Of Two Preppers
Timmy The Tool: Timmy has modeled his prepper plans in a similar manner to what he’s seen on the TV shows, including a buried corrugated pipe bunker that he’s stocked with two years worth of food for himself, his wife and his two kids, Timmy Jr. (9) and Susie (4).
Timmy lives in a non-descript suburban neighborhood in Bacon, Georgia. He doesn’t socialize or interact with any of his neighbors and the one’s who have made an effort to get to know him report that he is somewhat anti-social and odd.
When the balloon goes up, Timmy packs his wife and kids into his Chevy Suburban and gets on the road toward their buried bunker in the middle of nowhere. The trip is uneventful and Timmy hides his Suburban under a camouflage net and then ushers his family into the bunker.
Everything seems to be going swell the first night. But after seven days of living underground in a 10 foot by 40 foot bunker the kids won’t stop fighting and Timmy’s wife Helen is starting to show signs of emotional strain from being cooped up for so long without outside social interaction.
By Week 2 the radio stops working and Timmy can’t find where he put the backup radio. He’s now got a short temper and blames his wife, who’s close to the end of her fuse and can’t stop crying. Timmy’s daughter, on the other hand, has stopped communicating and their son spends most of his time escaping into books and has developed a strange cough. His wife is now begging Timmy to let them return to their home in the ‘burbs. But Timmy knows they must stay in the bunker in order to survive. It’s the only way at this point.
Two more weeks into the Crunch and Timmy’s wife has had enough. The boy is virulently sick and the antibiotics that Timmy had stored don’t seem to be helping. Their daughter has stopped eating and Timmy’s wife finally gives him an ultimatum: She’s taking the kids and returning to their home in the suburbs with or without him. Timmy weighs his options and decides that he can’t let her and the kids venture back to their house unprotected so he grudgingly packs their Chevy Suburban for the drive home. Or what’s left of their home. Looters have destroyed their neighborhood and most of the houses have burned to the ground because nobody organized the neighborhood into a defensive force that could have prevented the looting. Unfortunately, Timmy and his family will never make it home to see the wreckage because the highways are either closed or have been converted into ambush “kill zones” by marauding gangs before the military can restore order.
Meanwhile…
Ralph The Realist has adopted a different approach based on what he learned in the military as a Green Beret. Instead of withdrawing from his community he has taken proactive steps to deal with a “No Rule Of Law” scenario. Ralph is good friends with both the president of the neighborhood HOA and the principal of the nearby elementary school. Along with his wife and a couple of other friends of a similar mindset they have formed a prepper group and had begun taking action before the Crunch. Including storing ten 55-gallon drums of rice, wheat, beans and pasta in an unused storage shed at the local elementary school.
When news of rioting and societal breakdown begins to reach maximum velocity, Ralph and his group each begin to reach out to other friends and neighbors who – to no one’s surprise – are now very concerned about the current state of affairs, too. Many are open to taking action but nobody has a plan… except for Ralph and his group.
After the power grid goes down, Ralph’s prepper buddy, the president of the HOA, calls a neighborhood meeting and they discover that many of their neighbors have excellent skills that will help them survive the Crunch: One is a trauma nurse. Another is a welder. The guy down the street is a doctor and an avid hunter and there are several retired cops who live one block over.
Ralph asks for volunteers to form a neighborhood watch and almost everybody volunteers. They makes plans to barricade access to the neighborhood using old cars and RVs and set up a defensive perimeter. With roughly 150 families in their neighborhood there are more than enough adults with firearms experience to stand watch in shifts.
When Ralph’s son develops a strange cough, his wife takes her rifle and walks to the doctor’s house, a block over. She does not have to worry about leaving her house unattended since the “neighborhood watch on steriods” (hat tip: Rawles) is keeping the riff-raff out. The doctor correctly diagnoses her son’s cough and prescribes the right antibiotic. She then leaves her daughter to play with the doctor’s daughter for a few hours. The little one is coping with the Crunch as if it was a free day home from school: Fun!
After a week, Ralph’s son is feeling much better. His wife is happy and she has formed a gardening club with some of the other women on her block.
Three weeks later, Ralph receives word that things are still pretty crazy outside of their neighborhood. They’ve had a couple of gun fights when looters tried to gain access to their neighborhood but nobody was hurt. Word quickly spreads among the undesirables to leave Ralph’s neighborhood alone.
Everyone is coping reasonably well when a expedition group from another neighborhood proposes a trade of fish antibiotics (which can be used by humans) for some extra ammunition. The doctor advises Ralph that it would be a good trade, and since Ralph’s neighbor has a reloading press in his garage, they’re in no fear of running low on ammunition.
After another month, the military is finally able to get things under control and rule of law is restored.
A tale of two preppers: One a complete failure for adopting an ill-thought Lone Wolf strategy and the other successful after organizing his local neighborhood to withstand the perils of a Without Rule Of Law scenario.
About the Author: Sobert Gummer is the author of Sobert Gummer’s Survival Prepping For Hard Times web site. He has lived and traveled to some of the most dangerous cities in the world and has recently returned from living in South America where he fought off a home invasion with nothing more than a machete, married an Indian woman and had his head held over a fire by a Costa Rican witch doctor. He’s now back in the United States and prepping earnestly for an uncertain future while praying for the best. His latest book, Dogs For Preppers is now available at Amazon.com for your Kindle or Kindle app.
Monday, July 29, 2013
18 Similarities Between The Last Financial Crisis And Today
By Michael Snyder on The Economic Collapse Blog, posting an article with the title "It Is Happening Again: 18 Similarities Between The Last Financial Crisis And Today"
#1 According to the Bank of America Merrill Lynch equity strategy team, their big institutional clients are selling stock at a rate not seen "since 2008".
#2 In 2008, stock prices had wildly diverged from where the economic fundamentals said that they should be. Now it has happened again.
#3 In early 2008, the average price of a gallon of gasoline rose substantially. It is starting to happen again. And remember, whenever the average price of a gallon of gasoline in the U.S. has risen above $3.80 during the past three years, a stock market decline has always followed.
#4 New home prices just experienced their largest two month drop since Lehman Brothers collapsed.
#5 During the last financial crisis, the mortgage delinquency rate rose dramatically. It is starting to happen again.
#6 Prior to the financial crisis of 2008, there was a spike in the number of adjustable rate mortgages. It is happening again.
#7 Just before the last financial crisis, unemployment claims started skyrocketing. Well, initial claims for unemployment benefits are rising again. Once we hit the 400,000 level, we will officially be in the danger zone.
#8 Continuing claims for unemployment benefits just spiked to the highest level since early 2009.
#9 The yield on 10 year Treasuries is now up to 2.60 percent. We also saw the yield on 10 year U.S. Treasuries rise significantly during the first half of 2008.
#10 According to Zero Hedge, "whenever the annual change in core capex, also known as Non-Defense Capital Goods excluding Aircraft shipments goes negative, the US has traditionally entered a recession". Guess what? It is rapidly heading toward negative territory again.
#11 Average hourly compensation in the United States experienced its largest drop since 2009 during the first quarter of 2013.
#12 In the month of June, spending at restaurants fell by the most that we have seen since February 2008.
#13 Just before the last financial crisis, corporate earnings were very disappointing. Now it is happening again.
#14 Margin debt spiked just before the dot.com bubble burst, it spiked just before the financial crash of 2008, and now it is spiking again.
#15 During 2008, the price of gold fell substantially. Now it is happening again. #16 Global business confidence is now the lowest that it has been since the last recession.
#17 Back in 2008, the U.S. national debt was rapidly rising to unsustainable levels. We are in much, much worse shape today.
#18 Prior to the last financial crisis, Federal Reserve Chairman Ben Bernanke assured the American people that home prices would not decline and that there would not be a recession. We all know what happened. Now he is once again promising that everything is going to be just fine.
Are the American people going to fall for it again?
Add to Michael Synder's points is that the stimulus from the Fed's printing money and dumping into the market is or has to stop at some point. Everything Bernanke makes a comments about slowing or stopping the fiat currency printing, the markets go crazy in a bad way. Not that I have any trust in the market financials anyway. They are hocus pocus.
The welfare rolls continue to grow. We are on target for 1/3 of the American population to be on welfare and this is not counting Social Security Insurance or Disability. Add to the underfunded state and muncialaity retirement costs from cities like Detroit going bankrupt, and there will be many more, is ading to the population rosters of financially strapped and therefore at risk.
#1 According to the Bank of America Merrill Lynch equity strategy team, their big institutional clients are selling stock at a rate not seen "since 2008".
#2 In 2008, stock prices had wildly diverged from where the economic fundamentals said that they should be. Now it has happened again.
#3 In early 2008, the average price of a gallon of gasoline rose substantially. It is starting to happen again. And remember, whenever the average price of a gallon of gasoline in the U.S. has risen above $3.80 during the past three years, a stock market decline has always followed.
#4 New home prices just experienced their largest two month drop since Lehman Brothers collapsed.
#5 During the last financial crisis, the mortgage delinquency rate rose dramatically. It is starting to happen again.
#6 Prior to the financial crisis of 2008, there was a spike in the number of adjustable rate mortgages. It is happening again.
#7 Just before the last financial crisis, unemployment claims started skyrocketing. Well, initial claims for unemployment benefits are rising again. Once we hit the 400,000 level, we will officially be in the danger zone.
#8 Continuing claims for unemployment benefits just spiked to the highest level since early 2009.
#9 The yield on 10 year Treasuries is now up to 2.60 percent. We also saw the yield on 10 year U.S. Treasuries rise significantly during the first half of 2008.
#10 According to Zero Hedge, "whenever the annual change in core capex, also known as Non-Defense Capital Goods excluding Aircraft shipments goes negative, the US has traditionally entered a recession". Guess what? It is rapidly heading toward negative territory again.
#11 Average hourly compensation in the United States experienced its largest drop since 2009 during the first quarter of 2013.
#12 In the month of June, spending at restaurants fell by the most that we have seen since February 2008.
#13 Just before the last financial crisis, corporate earnings were very disappointing. Now it is happening again.
#14 Margin debt spiked just before the dot.com bubble burst, it spiked just before the financial crash of 2008, and now it is spiking again.
#15 During 2008, the price of gold fell substantially. Now it is happening again. #16 Global business confidence is now the lowest that it has been since the last recession.
#17 Back in 2008, the U.S. national debt was rapidly rising to unsustainable levels. We are in much, much worse shape today.
#18 Prior to the last financial crisis, Federal Reserve Chairman Ben Bernanke assured the American people that home prices would not decline and that there would not be a recession. We all know what happened. Now he is once again promising that everything is going to be just fine.
Are the American people going to fall for it again?
Add to Michael Synder's points is that the stimulus from the Fed's printing money and dumping into the market is or has to stop at some point. Everything Bernanke makes a comments about slowing or stopping the fiat currency printing, the markets go crazy in a bad way. Not that I have any trust in the market financials anyway. They are hocus pocus.
The welfare rolls continue to grow. We are on target for 1/3 of the American population to be on welfare and this is not counting Social Security Insurance or Disability. Add to the underfunded state and muncialaity retirement costs from cities like Detroit going bankrupt, and there will be many more, is ading to the population rosters of financially strapped and therefore at risk.
Thursday, July 25, 2013
How to Plan For Any Disaster
How to Plan For Any Disaster - a mainstream financial planning article from Money.com it seems like more and more mainstream venues are talking about some sort of collapse preparation. The value of this article is that it can serve as a "bridge" for someone who is not prepping at all, as opposed to the "go for broke', total planning and prep process for the coming collapse.
Many of us have people, be it family, friends or neighbors, who we are reluctant to expose our preps to. Simply copying this article and sending or printing and passing out to these people can get them to thinking and prepping at some level, so when the collapse occurs and we end up taking some of these people in, absorbing them into our group, they will be more of an asset.
Best case scenario is that someone you give this article will ask you questions. Of course, you may have to give guarded answers as an OPSEC precaution, but is may result in another American who is better prepared to face the multiple possibilities of SHTF,....and maybe a family membr or friend who is less of a burden on you come SHTF.
How to Plan For Any Disaster
Disasters disrupt life in unimaginable ways, making those affected much more vulnerable to secondary disasters — the kind caused by criminals. I’ve been through a number of earthquakes and lost a home to Hurricane Sandy. I know how all-consuming the aftermath can be.
Wildfires, tornadoes and other natural disasters seem to be happening more and more these days. The National Oceanic and Atmospheric Administration warns that the 2013 Atlantic hurricane season will be “above normal and possibly extremely active.”
The danger and chaos that inevitably follow a natural (or for that matter — man-made) disaster, create opportunities for predators, who seem to slither out from under the rocks to prey upon their victims: identity thieves, burglars, snake oil salesmen disguised as home improvement contractors and fraudsters claiming to be raising funds to help ease the pain.
Plan Ahead
We can and have learned from past disasters that meaningful preparation can pay big dividends in helping people deal with and recover from the unimaginable. Here are some suggestions that might help you weather the disaster.
Have a family emergency disaster plan. Disasters can strike with little or no warning at any moment of the day. It is quite likely that many families are not together. Parents can be either at work or at home. Kids can be at school. Family members can be running chores or away on business trips or vacations. Therefore, you should develop a communication plan that establishes who you contact and when you contact them in the event of an emergency. You should also agree upon primary and secondary meeting places.
Keep emergency numbers handy for key support functions and home utilities. Create a list of all emergency service phone numbers, as well as those for your utility companies that provide electric power, natural gas, water and telephone services. Know where your shut-off switches and/or valves are for these services and how to shut them down. In event of a pending or significant disaster, turning off the electric, gas and water utilities — if it can be safely done — can help prevent secondary fires, explosions and internal flooding to your residence.
Make copies (front and back) of the documents that confirm your identity and allow you to buy what you need. Birth certificates, driver’s licenses and passports; Social Security, voter’s registration and medical insurance cards; credit and debit cards. Also, make sure you have the customer service information for financial institutions and credit card companies as well as your credit and debit card numbers so you can contact them immediately and arrange for credit and debit card replacement in the event they are lost. You may wish to store this information in an encrypted file so that you can access it online. In the physical world, you may want to store a copy of these documents either in a waterproof container that can be secured in a safe place or scan them onto a password protected, encrypted USB drive that you always carry with you.
Consider remote electronic data storage for irreplaceable documents or photographs. If you have some irreplaceable or historical documents, trust and estate documents such as wills and Powers of Attorney or special family photographs, consider scanning them onto a disk and/or storing them in an accessible online electronic vault.
Record model and serial numbers for your big-ticket items. For insurance and property identification purposes, record the model and serial numbers for items such as your flat screen televisions, computer equipment, cameras, audio gear, musical instruments, or other valuable personal belongings. It is wise to photograph these items as well in order to prove possession and store the photos on disk and/or in an electronic vault so they can be easily retrieved.
Assemble a “crash kit.” Pack a small suitcase or duffel bag with items such as sensitive documents, your wallet, purse, ATM and credit cards that you will need to grab in an emergency in order to secure them AND have 24-hour access to cash or purchasing power if needed. Also have your house, office and car keys close at hand. They may well provide access to secondary shelter.
Have a survival kit ready to go. Pack a separate bag with flashlights (LEDs preferred for battery life), extra batteries, a portable radio, a sharp utility knife, toilet paper, several bottles of water and energy food bars, a couple of lighters or match books, a portable first aid kit, other supplies and (of great psychic value) a few pairs of socks and underwear. Remember that you may well have to travel fast and light so be selective.
Keep your cell phones charged and bring chargers with you in the event of evacuation.
Consider utilizing the available special notification and alert features offered by many banks, credit and debit card issuers that will notify you via email or text when an unusual transaction occurs in one of your accounts – this is a good practice regardless of disaster planning.
If You Are a Disaster Victim
Protect important information and documents. Whether you’re in a shelter, staying with friends or crashing on your family’s couch, never let the documents that can authenticate you leave your sight.
Be proactive and check your credit report by visiting AnualCreditReport.com. Consider adding an initial security alert to your credit report. For more information go to the websites of each of the three major credit reporting agencies (Equifax, Experian and Trans Union). Monitoring your credit scores regularly, using a free service like Credit.com’s Credit Report Card, can alert you to a problem if you have an unexpected drop.
Ask the post office to hold your mail until you return home. If it appears that you will be unable to return home for an extended period of time, you may even consider getting a post office box. This will keep thieves from finding sensitive materials that are left in your mailbox.
Store sensitive documents in an encrypted email account that you can access if needed.
When filing claims with insurance, if you did not do so before the disaster, ask if your policy provides identity theft assistance and what are the parameters of your coverage.
Check your credit card and bank accounts online daily. In the event you detect unauthorized or questionable activity, immediately contact the appropriate financial services provider.
In the Aftermath of a Disaster
Be alert to the fact that there are many unscrupulous people who will look to take advantage of a disaster. Be on guard for:
Fly-by-night contractors asking for advanced payments for board-up and/or repair work. Scam operators looking to obtain personal or financial information from you under the pretext of helping you or being “an official” from an emergency assistance agency – like FEMA, or an insurance adjuster, investigator, etc.
Thieves and looters roaming impacted neighborhoods.
Individuals soliciting funds door to door, in public areas, or via the Internet claiming to assist the victims.
While this information is helpful, it is not exhaustive. Furthermore, you can take every step outlined above and still be a victim because you will never really know where all your information has landed. That said, there is no substitute for preparation and remaining cautious and alert before, during and after a disaster.
Many of us have people, be it family, friends or neighbors, who we are reluctant to expose our preps to. Simply copying this article and sending or printing and passing out to these people can get them to thinking and prepping at some level, so when the collapse occurs and we end up taking some of these people in, absorbing them into our group, they will be more of an asset.
Best case scenario is that someone you give this article will ask you questions. Of course, you may have to give guarded answers as an OPSEC precaution, but is may result in another American who is better prepared to face the multiple possibilities of SHTF,....and maybe a family membr or friend who is less of a burden on you come SHTF.
How to Plan For Any Disaster
Disasters disrupt life in unimaginable ways, making those affected much more vulnerable to secondary disasters — the kind caused by criminals. I’ve been through a number of earthquakes and lost a home to Hurricane Sandy. I know how all-consuming the aftermath can be.
Wildfires, tornadoes and other natural disasters seem to be happening more and more these days. The National Oceanic and Atmospheric Administration warns that the 2013 Atlantic hurricane season will be “above normal and possibly extremely active.”
The danger and chaos that inevitably follow a natural (or for that matter — man-made) disaster, create opportunities for predators, who seem to slither out from under the rocks to prey upon their victims: identity thieves, burglars, snake oil salesmen disguised as home improvement contractors and fraudsters claiming to be raising funds to help ease the pain.
Plan Ahead
We can and have learned from past disasters that meaningful preparation can pay big dividends in helping people deal with and recover from the unimaginable. Here are some suggestions that might help you weather the disaster.
Have a family emergency disaster plan. Disasters can strike with little or no warning at any moment of the day. It is quite likely that many families are not together. Parents can be either at work or at home. Kids can be at school. Family members can be running chores or away on business trips or vacations. Therefore, you should develop a communication plan that establishes who you contact and when you contact them in the event of an emergency. You should also agree upon primary and secondary meeting places.
Keep emergency numbers handy for key support functions and home utilities. Create a list of all emergency service phone numbers, as well as those for your utility companies that provide electric power, natural gas, water and telephone services. Know where your shut-off switches and/or valves are for these services and how to shut them down. In event of a pending or significant disaster, turning off the electric, gas and water utilities — if it can be safely done — can help prevent secondary fires, explosions and internal flooding to your residence.
Make copies (front and back) of the documents that confirm your identity and allow you to buy what you need. Birth certificates, driver’s licenses and passports; Social Security, voter’s registration and medical insurance cards; credit and debit cards. Also, make sure you have the customer service information for financial institutions and credit card companies as well as your credit and debit card numbers so you can contact them immediately and arrange for credit and debit card replacement in the event they are lost. You may wish to store this information in an encrypted file so that you can access it online. In the physical world, you may want to store a copy of these documents either in a waterproof container that can be secured in a safe place or scan them onto a password protected, encrypted USB drive that you always carry with you.
Consider remote electronic data storage for irreplaceable documents or photographs. If you have some irreplaceable or historical documents, trust and estate documents such as wills and Powers of Attorney or special family photographs, consider scanning them onto a disk and/or storing them in an accessible online electronic vault.
Record model and serial numbers for your big-ticket items. For insurance and property identification purposes, record the model and serial numbers for items such as your flat screen televisions, computer equipment, cameras, audio gear, musical instruments, or other valuable personal belongings. It is wise to photograph these items as well in order to prove possession and store the photos on disk and/or in an electronic vault so they can be easily retrieved.
Assemble a “crash kit.” Pack a small suitcase or duffel bag with items such as sensitive documents, your wallet, purse, ATM and credit cards that you will need to grab in an emergency in order to secure them AND have 24-hour access to cash or purchasing power if needed. Also have your house, office and car keys close at hand. They may well provide access to secondary shelter.
Have a survival kit ready to go. Pack a separate bag with flashlights (LEDs preferred for battery life), extra batteries, a portable radio, a sharp utility knife, toilet paper, several bottles of water and energy food bars, a couple of lighters or match books, a portable first aid kit, other supplies and (of great psychic value) a few pairs of socks and underwear. Remember that you may well have to travel fast and light so be selective.
Keep your cell phones charged and bring chargers with you in the event of evacuation.
Consider utilizing the available special notification and alert features offered by many banks, credit and debit card issuers that will notify you via email or text when an unusual transaction occurs in one of your accounts – this is a good practice regardless of disaster planning.
If You Are a Disaster Victim
Protect important information and documents. Whether you’re in a shelter, staying with friends or crashing on your family’s couch, never let the documents that can authenticate you leave your sight.
Be proactive and check your credit report by visiting AnualCreditReport.com. Consider adding an initial security alert to your credit report. For more information go to the websites of each of the three major credit reporting agencies (Equifax, Experian and Trans Union). Monitoring your credit scores regularly, using a free service like Credit.com’s Credit Report Card, can alert you to a problem if you have an unexpected drop.
Ask the post office to hold your mail until you return home. If it appears that you will be unable to return home for an extended period of time, you may even consider getting a post office box. This will keep thieves from finding sensitive materials that are left in your mailbox.
Store sensitive documents in an encrypted email account that you can access if needed.
When filing claims with insurance, if you did not do so before the disaster, ask if your policy provides identity theft assistance and what are the parameters of your coverage.
Check your credit card and bank accounts online daily. In the event you detect unauthorized or questionable activity, immediately contact the appropriate financial services provider.
In the Aftermath of a Disaster
Be alert to the fact that there are many unscrupulous people who will look to take advantage of a disaster. Be on guard for:
Fly-by-night contractors asking for advanced payments for board-up and/or repair work. Scam operators looking to obtain personal or financial information from you under the pretext of helping you or being “an official” from an emergency assistance agency – like FEMA, or an insurance adjuster, investigator, etc.
Thieves and looters roaming impacted neighborhoods.
Individuals soliciting funds door to door, in public areas, or via the Internet claiming to assist the victims.
While this information is helpful, it is not exhaustive. Furthermore, you can take every step outlined above and still be a victim because you will never really know where all your information has landed. That said, there is no substitute for preparation and remaining cautious and alert before, during and after a disaster.
Subscribe to:
Posts (Atom)
