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Wednesday, March 6, 2019

You Can’t Buy Life Insurance After You’re Dead-Prepare Today for Emergencies

Poor Man Survival

Self Reliance tools for independent minded people…

ISSN 2161-5543

A Digest of Urban Survival Resources


You Can’t Buy Life Insurance After You’re Dead-Prepare Today for Emergencies. Resources You Can Begin to Use Now

As regular readers of the Poor Man know…

We're gorging ourselves on debt as if there will be no tomorrow.

If you're reading this, you're probably already concerned about the state of the U.S. and global economy.

If you're still sugar-coating it in your own head, my advice is WAKE UP! The warning signs are all over the place. Standard and Poor's downgraded the United States credit rating in 2011 and 2012, and it's up for review again with another potential downgrade looming. Standard and Poor's, Fitch and Moody's, and the three major rating agencies have all shared negative outlook sentiments with the media.

The U.S. National Debt has been rising at an unimaginable pace, reaching a historic high of over $17 trillion, with our country borrowing nearly half of every dollar that it spends. Scholars, economists, and scientists around the globe have published countless research papers on the subject and their findings suggest that a major economic collapse is imminent — along with food, water, and energy crises.

Several cities across the country are on the verge of declaring bankruptcy. What happens if the interest rates (which are incredibly low now) go up? Can you spell D-I-S-A-S-T-E-R? Municipal governments are going to become helpless. Municipal bond investors (among which are other municipalities, employer-sponsored retirement plans, and thousands of individual investors) are going to go broke…as I’ve indicated previously in this blog.

Meanwhile, countries in the global community are slowly backing away from the dollar. Our government has been printing so much money that when the market corrects itself the next time, inflation is going to go through the roof. This will not be another Great Depression; it will be worse. Can you imagine what happens when the dollar bill you hold in your hand becomes worth 1/10 of a penny? How about that jar full of pennies? It is going to do you no good! The real value will be in the commodities.

For example:

Total household debt has climbed for 18 straight quarters... setting a new record at $13.54 trillion in the fourth quarter of 2018. Consumer debt – which includes student loans, auto loans, and credit cards – is also on the rise... It just exceeded $4 trillion for the first time.

According to the latest report, Americans now have 480 million credit cards.  That is about 100 million more than during the last recession.

In other words, there are about 1.5 credit cards for every man, woman and child in the entire country.

The total amount of credit card debt in the United States has now reached a whopping $870,000,000,000.  That number has never been higher in the history of our nation.

And when you total up all forms of individual debt, U.S. consumers are now 13.5 trillion dollars in the hole.

NOTE: Perhaps most concerning, is that for the first four months of this fiscal year, interest payments on the U.S. national debt hit $192 billion, $17 billion, or 10% more than in the same four-month period last year and the most interest ever paid in the first third of the fiscal year. As Reuters’ Jeoff Hall points out, annualizing the $192BN interest expense means that the interest on U.S. public debt is on track to reach a record $575 billion this fiscal year, more than the entire budget deficit in FY 2014 ($483 BN) or FY 2015 ($439 BN), and equates to 2.7% of estimated GDP, the highest percentage since 2011.


I believe 2019 will see significant accumulation in the precious metals market, which will finally break out of the horrible sideways trading pattern we have been in for years.

Americans today are more apathetic about getting prepared, and yet this is exactly the time when the urgency to get prepared should be at the highest.  Over the weekend I setup as an experiment at our local flea market to see if emergency supplies would sell.  I stocked my table with emergency food supplies, radios, lanterns and such.  These did not sell.  My books and knives sold.  So either our area residents are already well prepared or they’re like most other citizens and they don’t care about such events…in other words, they’re not Boy Scouts!

As you probably know my opinion of the average American has diminished in terms of self reliance over the years.  Our educational standards have fallen as well as the idiocy of what is aired on cable and broadcast television and if the ranting I see from the loony Left on Twitter is any indication of the direction of our nation, God help us.

The Left, despite economic gains, gains on the justice front, gains on our ridiculous nightmare of regulation [I just loved the media whining about the ‘shock’ people had when they discovered they had less money in their income tax refunds…obviously, they overlooked the bigger take-home earnings in their weekly checks and if they listened to financial planners they shouldn’t be giving Uncle Sam free loans anyway!  Still – nearly 41% do not pay any income taxes at all!]

As we’ve see TIME AFTER TIME during natural disasters when TV newscasts featuring people lined up at grocery stores AT THE LAST MINUTE to clear store shelves of water,  canned food, flashlights, batteries and other emergency essentials, etc. because they never prepare in advance…

In fact, one survey found that only 39 percent of Americans have any sort of an “emergency kit” whatsoever…When it comes to being prepared for an emergency, 39% say they have an emergency kit, while another 39% have a non-perishable food stock. A little less than one-third (28%) of people have stockpiles of water, and one in four people (25%) have an evacuation plan.

Of those who have an emergency kit, the most common items to have in the kit are: a first-aid kit (86%), flashlights or other light sources (83%), food (65%), water (63%), and blankets (62%).

Disasters can and do strike without warning, and when they strike, most of the population is vastly underprepared. Truth be told, the vast majority of people aren’t prepared at all, and hardly anyone has enough survival food to last them through the month.

It’s for this reason that when a disaster occurs, hoards of people will swarm the grocery stores and supermarkets in order to get as much food as they possibly can. You could end up being one of those people if you don’t start preparing right now.

So take advantage of the comparatively small crowds and short lines you can find at grocery stores during the good times, because there could come a time when going to the store is like something out of a disaster movie...

Be smart and prepare now:

1.     Prepare to have cash to survive the first wave (the time when everyone thinks that the crisis is reversible or repairable); you probably won't be able to access the money in your bank.

2.     Prepare to have commodities. Whether it is gold, seeds, water filters or knowledge.

3.     Prepare for the social unrest and for the possible security threats.

4.     Stock as much food, water and survival items as you can afford.


Here's a list of food items that will sell out quickly when disaster strikes, so you'd be wise to stock up on them now while they're in supply:

Tuna. Offering around 10 grams of protein, B vitamins and Selenium, tuna is the prepper's pantry staple. Buy the kind in oil, as it is packed with more calories and you can use oil for some other dish. Sardines are also a good option.

Canned meat. Canned chicken, ham, pot roast and spam are good sources of protein and calories and store for a long time.

Canned fruit and vegetables. These will fly off the shelves quickly, so unless you have your own garden, horde the canned produce, too. It will provide vitamins and minerals during the time of crisis.

Rice. Rice has been used for years as an emergency food in impoverished countries, war-ravaged regions, and U.S. states that have experienced a natural disaster. Rice is a high-carbohydrate, high-calorie food — just what your body needs when it's in "survival mode".

Beans. You knew it was coming. Beans are like the goldmine of protein, fiber, nutrients and calories. They are the perfect food during a crisis.

Salt. Salt provides critical electrolytes and flavors meals. On top of that, salt can be used to preserve meat (if you can catch some).

Cornmeal. Cornmeal is ground corn and can be used to make hot cereal or bake. It tends to store better than flower and is easier to use when you don't have baking powder or yeast.

Nuts, seeds and dry fruit. These are your "high-energy" items. They are loaded with calories, protein and nutrients and will provide a quick and easy energy-boosting snack.

Oil and vinegar. This is more than just a salad dressing. Oil and vinegar are both useful for an array of things. No doubt, you've read about various ways to use vinegar. From a medical item to a cleaning agent, it is irreplaceable. Oil is great for high calorie cooking, lighting fire, moisturizing dry skin and more.

Honey. Honey lasts forever, has important healthful nutrients, provides calories, soothes throats, and enhances tastes.

Sugar. On top of providing valuable carbohydrates and making things taste good, sugar can be used in emergency medicine and is a good bartering tool in a survival situation.

Lards, fats, oils. Fats, such as shortening and coconut oil are awesome additions to a survival pantry for many reasons. For example, they serve as high calorie meal supplements and tinder enhancers.

Grains/hot cereals. They provide tons of protein, fiber and B-vitamins and last for a while.

Things to keep in mind:

1.     All of the foods you store (even canned) should be stored in a cool dry, dark place.

2.     You will need to determine how much water you need to prepare the dry foods.

3.     Make decisions based on your personal situation. If you can easily get your hands on fish or game, hoard canned produce, fat, and snacks.

4.     Store rice, beans, grains, and pastas in 5 gallon food-grade plastic buckets, with food-grade oxygen absorbers (or an open baggie full of salt on the bottom and 2 blocks of dry ice on top) to remove oxygen after sealing.

5.     Most people who go off-grid do it one step at a time.

6.     The main consideration for going off-grid is choosing the right location. You want to have land that aids in energy production. You also need to acquire water and mineral rights for the piece of land that you purchase. With that said, there are 5 additional considerations for going off the grid: electricity, water, water heating, sewer and energy back-up.

7.     Electricity/Gas. Two primary sources of power that are not derived from fossil fuels are wind power and solar power. Installing solar panels and wind turbines are simple enough, but both options are pretty expensive if you buy pre-manufactured systems from commercial dealers. They're still well worth it in the long run, but you can save up to 50% (or more) on the costs by building your own home energy system. Ideally, you'll use both sources to power your home. There are many other ways to create energy for your house, such as using Propane gas or using fertilizer and waste, but solar and wind energy are free, abundant, and easy to harness once you know how.

8.     Heating. If you live in an area that gets cold in the winter, you need a way to heat your home. While you can use electric power to heat your house, you may want to consider installing a wood burner as well.

9.     Water. To truly live off the grid, you'll need to have your own water. You can install a well and a pump. Whether you're building a new, energy-efficient home or thinking about installing a well for your current home, check your area water table to see if a well makes sense. Also, most municipalities in the U.S. do not allow wells to be installed within their boundaries, so check your local zoning laws.

10.   Heating Water. You may not have thought about the need to heat water yet. Actually, there are many options. You can install a solar water heater or a propane water heater, use solar panels or hook your water heater up to your wood burner.

11.   Sewage. The only way to deal with sewage in a sustainable way is having a septic tank installed. The tank will process the waste and release the product into the soil. This can be costly and can be tough to implement in urban areas, but if you plan it right for your off-grid property, a septic tank will last a lifetime.

12.   Backup plans. Having a generator and/or battery backup to meet your energy needs in the event that your primary energy sources fail is a no-brainer. Everything I teach is about being prepared for unforeseen circumstances, and if you don't have a well thought-out backup plan then you're not really prepared for anything.

13.   I go into more detail about alternative energy sources and building your own solar & wind systems in Power Efficiency Guide


Stockpiling food, water, and supplies to sustain you and your family for a long time can get very expensive. For some, it just isn't feasible to spend hundreds of dollars or more every week buying supplies that won't be used right away.


Don't be embarrassed. Most people can't afford to do that. The trick is to buy used supplies so you can put the money you save toward your food purchases.


Shopping at thrift stores like the Goodwill store is a great way to save money. It's extremely satisfying to score a good deal on something you really need. You'll find yourself bragging about how cheap something was rather than how expensive it was...





Extra Goodies for You!

To put it bluntly, we’re spoiled. Finding and buying just about anything we need is as easy as a quick trip to a store or a couple of keystrokes on the Internet. And while it’s true that we can improvise many of the things we need, medical supplies don’t make those swap-outs easy.


The obvious solution is to stockpile, but there’s more to it than an assortment of bandages and some over-the-counter medications. We’re going to explore a condition-driven approach to a stockpile based on the types of medical conditions that are common during and after a disaster. Some will be in short supply very rapidly after disaster strikes. Others are difficult to find in most stores even now.

For those items that may be difficult to locate, we’ve provided links in this article. Many items can be found at a pharmacy, but if they are a bit obscure, the Internet has it...

Your bug out bag might not seem very heavy, but after carrying it all day, it will begin to seem like the heaviest thing you’ve ever held. Multipurpose items can help you reduce the number of items you need to pack, thus making your bag lighter.

The list below includes some of the most useful survival items you can get your hands one. You don’t necessarily have to put all of these items in your bug out bag–like I said, you don’t want it to be too heavy. But I encourage you to seriously consider each one of them. Take your location and personal needs into account and decide whether these items are worth including...

What to use when you run out of toilet paper…

Rosefield is a classic traditional cabin, which can be built for less than $6,000. The cabin is open plan, which has the advantage of making it far easier, cheaper and quicker to build than more intricate cabins with separate rooms. This particular plan also includes a detailed cabin assembly diagram and step-by-step instructions which includes a foundation guide.  [282sf’]


Your Free Middle Class Survival Kit


Researched by our editors and include 100s of tips, tricks and insider methods of saving money, earning extra money [many from the comfort of your home], the best places to live,  How to find little-known freebies, discounts and other benefits-over 2,000 programs!






A Final Note…

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Mike said...

I'm guilty! I've not prepared as much as I should despite having read your blog for years. Too caught up in day-to-day BS and keep putting it off. However, I've made up my mind to start this week to at least get enough essentials, food, water, batteries, etc. to tide me and the missus over for at least 30 days!

Frank said...

Your title sums it up well & that is precisely how many in life operate-wait until the last minute for everything. Lots of terrific resources-thanks!