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How to stay safe when traveling at home or abroad
Long or short journeys, domestic or abroad require preparedness.
Despite the current situation, it is worthwhile to understand how to stay safe when we do travel away from home. It is another aspect of preparedness.
I would like to begin with a story about a former co-worker. Jane back packed her way across Europe with a friend in the 1960’s.
The journey was going well until they arrived in Spain. At the time Spain was under the control of the notorious dictator, Franco.
The train on which they traveled was stopped by the Spanish military. The heavily armed soldiers boarded the train and demanded to see passports. Jane got out her information and although she was afraid, calmly sat and waited.
When the soldiers arrived at their seat, her friend decided to tell the soldiers in very colorful and easily translated expletives what they could do to themselves. They weren’t going to order her around and actually started to rise in her seat as she ranted at them.
Jane had the presence of mind to grab her friend and pull her back down into her seat. She told her “shut up, you’re going to get us killed, give them your passport and not another word.” Then Jane apologized to the soldiers in Spanish for her friend who had misunderstood and to please forgive her.
This regime was ruthless. They could have been dragged off the train and shot. After the train incident, Jane split from traveling with her friend and completed the rest of her journey alone.
Know the person you are traveling with and discuss reactions to situations such as this in advance. You are a guest in someone’s Country and an understanding of the cultural and social mores there will make you a welcome guest who is less likely to get into trouble. You don’t want to get into trouble or land in jail because of someone else.
These are the basics for safe international travel:
Do your research and understand the cultural differences. For example, in Egypt an unmarried female who travels alone is considered a prostitute.
Learn about any hand gestures that may be considered offensive. I believe it is in Thailand or Indonesia where crossing one’s legs and exposing the soles of the shoe or foot is considered very offensive. In Singapore littering can land you a punishment by caning.
Never consume drugs in a foreign Country and watch the rules regarding alcohol. Never get intoxicated. You want to be lucid at all times.
Find out if there is civil unrest in the Country or if tourists are being targeted as was the case in Egypt.
Never leave your luggage unattended. Never agree to carry someone else’s luggage.
Ensure your family or friends back home have a full itinerary of where you will be staying and a copy of your passport, and other identification, including recent photos and bank information.
If something happens to you, they will be able to work with authorities using recent information. If you need help financially, they can deposit money to your bank account. Ensure that they are authorized to handle any banking needs, such as bill payment while you are away. International cell rates can be very high.
Set up agreed upon contact points and times and keep them. This way your family will know if something has gone wrong sooner and what your whereabouts where when you disappeared.
Practice situational awareness especially when traveling.
Women are frequently targeted at airports and kidnaped. Human trafficking is a very real danger. Ensure that the people you interact with, including taxi drivers are who they purport to be. It is safer to use your hotel shuttle service as transport from the airport to your hotel.
In your hotel, ensure that the door is locked and bolted with security lock while in your room. Check the room thoroughly upon possession of it to ensure no on is lurking and also to ensure that nothing illegal was left behind. Never open the door to anyone who is not expected. It takes seconds to call the main desk and confirm who is at your door and why.
If you intend to visit tourist areas, be aware that is also the place where criminals will congregate. Predators go where the prey is located.
If you choose to go to Amsterdam’s red light district, be aware that tourists can have very bad experiences there. There are people who are criminals who have immigrated to The Netherlands. The problem is that as a tourist, you might think they are tourists. They are not. You may be dealing with one at an ATM and suddenly find yourself surrounded by fifteen more men.
These gangs of thieves rig the ATM so that your cash won’t dispense properly. Then they come behind after you give up and fish your money out. Pick pockets are especially bad in tourist areas. They can work alone or in a tandem. One bumps into you and the other steals your wallet while you are distracted.
Deal with the banks in the daytime in the branch. Ensure you wear a hidden money and passport carrier. A zippered money and passport carrier that sits flat under the waistband of your pants is not easily accessible and stay out of sight. Forget purses. Try to blend in with the locals as much as possible.
Look like you mean business, don’t look like a victim. Tourists very often have a distracted and vague look on their faces because they are preoccupied with the new environment. That is a giveaway and makes you a target.
Jane, the woman in the story who carried on traveling alone finally landed in a small village in Greece only to discover that her American Express traveler’s checks were lost.
She spoke no Greek, but was able to use the telephone of a kindly Greek couple. Jane called her Dad who arranged the Am Ex check replacement which would be there in about two weeks. Meanwhile, she had no money. The check replacement wasn’t as rapid as she believed.
The kindly Greek couple took pity on Jane and gave her a free room and food in their small room to let hotel while she waited for the money.
Jane was alone and unable to communicate with anyone. She was sitting on her bed, feeling very dejected and then she heard it. It was English! Someone, a male voice was singing “Some Enchanted Evening” quite loudly.
Jane flew through the door overjoyed to have someone to talk with and met the man. She said to him “Oh. You speak English?”
He shook his head and began to sing the song again. It was the only English he knew.
Read MoreGarden planner software
I’ve found that planning my garden each growing season is easier if I can actually see it to scale. For years I’ve been using Garden Planner 3, which has more features than I could ever use. It is not limited to gardens and can be used to layout most anything. I’ll just bring up a saved plan, do a save as command & then modify that plan. No need to start from scratch each time. Here is my garden plan for this summer.
Read More
FEMA link with loads of available prepper material
https://www.ready.gov/be-informed
Good afternoon,
Spend some time surfing around the above “be-informed” link.
Note the linked Hazard Information sheets eg Flood, Nuclear Explosion.
Note the Family Emergency Communication Plan.
Note the Alerts and Warnings.
You can order their no-cost pubs by working the included link. Haven’t looked at the pub site for some time but this is where you’ll find the studies eg “Hurricane Ike”, “Hurricane Sandy”.
Read MoreA good article for your non-prepper relatives, colleagues, acquaintances, …
https://modernworldsurvivalists.com/2021/04/19/preppers-have-their-day-over-virus-fears/
Good morning,
With the public health saturation of news, above link is a decent, clearly-written article on preparedness and those labeled “preppers”.
Link is ideal to provide your non-prepper contacts with.
If you note any specific names and web sites in article, will reward you with a cyber Clif bar or a bag of baker’s chocolate.
The mentioned VOA Learning English needed for our many public agency PIOs providing public health information.
Read MoreHow far will you go to improve your safety and self reliance?
I’m curious as to just how far or how much effort and sacrifice people will make to improve their prepper quality of life. Just exactly WHAT are YOU willing to do to improve your safety, security and quality of life.
For years my wife and I have been into survivalism and prepping going as far back as the 1980s. We did all the normal things that most people who become preppers do. We realised there was clearly identifiable threats, hazards and risks to us as a family. So we learned skills, cached, stockpiled and developed plans.
BUT we also changed professions to equally increase our quality of life and also to improve our level of readiness. My wife became a Nurse Practitioner, I left the military for the Security industry, Our income rose as did our skills and levels of readiness. YET we were still uncomfortable / unsettled/ unsure .
We invested in skills, we invested in kit and supplies, we changed vehicles, we moved house within our communities, we developed relationships with other preppers. but still the underlying concerns lingered.
We stopped doing conventional social and leisure things like dining out, clubbing, holidaying on beaches etc and started using our free time to develop our skills and knowledge further, learning useful skills and attending convensions in prepping, survival skills, overlanding events, off gridding and homesteading events etc but STILL those fears festered away in the background.
Then we had kids and thats when things started hitting home like a manic jackhammer.
First we realised the overall quality of standard supermarket food was POOR, to much salt, chemicals, preservatives, processing etc especially when it came to feeding the family. We ended up having to source ORGANIC or UNPROCESSED foods to replace what came from the four local supermarkets.
Then we discovered that our kids occasional wheezy chests, chest infections, runny noses, etc was only happening at home, when we went camping the kids were 100% healthy, enlightenment it was AIR POLLUTION in the city ( Mainly vehicular emmissions)
At the same time we were told our kids were INTROVERTED and WITHDRAWN at school and were not learning fast enough. That was odd because when they were not at school they were extroverted, happy, inquisitive, curious and VERY sociable. We discovered that it was not the kids but the SCHOOL (s) they attended (500 primary school kids in one complex) .
Then a neighbour informed us our kids were often bullied verbally and occasionally physically by SOME not all of their schoolmates.
We also could not let them play out unsupervised because of the local trouble making street gangs of feral teens (and preteens) and a total lack of intetrest by the police or council to deal with the non stop vandalism, petty theft, criminal damage, noise and general anti social behaviour found in most urban areas.
Then it finally dawned on us, ALL OF OUR PREPS were for nought when all of us were being ground down by living in a city. Our air and food was a problem as was WHERE we lived, it was a problem with air pollution, crime, poor facilities, overcrowding and a totally ineffective local government and law enforcement system.
This is where I reach the crux of the matter, We finally realised that WHERE we lived was as important as HOW we lived.
We are both only working class people with modest incomes but we had clearly identified that the city was slowly killing ALL of us one tiny bit at a time.
We immediately looked for a quiet more rural community, we found one with a wonderful close knit village school of only 200 primary and junior school kids, who welcomed our kids.
Within 6 week the kids were transformed they LOVED school, they LOVED learning, they absolutely thrived, We found a house we could just about afford it needed loads doing to it but the kids and ourselves loved it. No sirens at night, no gangs, no vandalism. Neighbours looked out for each other, The kids health improved massively.
We found locally produced foods ( both normal and organic) our STRESS levels collapsed.
It took SACRIFICE, My wife had to take a Nursing job on much less money nearer our new home. I had to completely give up my urban security work as I could no longer respond to clients in minutes, I took up a couple of very menial part time jobs to bring in money whilst I also took over running the house. We used up ALL of our savings just to pay the deposit on the house.
Do I have regrets? YES absolutely. I 100% regret that we did not identify it was our ENVIRONMENT that was as much as issue as the global issues that turned us into preppers in the first place.
We gave up just about EVERYTHING to escape the city, careers, money, savings, friends, social groups etc but it was absolutely worth the sacrifice and effort.
If YOU are thinking about escaping the city then I say to you that we believe the LONG TERM BENEFITS far outweigh any negatives and hope you manage to escape to greener prepper friendlier pastures.
Now 20 years on and I see riots, looting, arson, division, hatred, violence etc consuming not only the US but much of Europe, Africa, south America, Middle East, UK etc as well. Compounded by POLICE/ COURTS and Governments paralised by political correctness and fear of offending assorted sections of society who are simply allowed to get away with mass civil unrest and violent crimes. Many cities are becoming NO GO AREAS not just for decent people but also for Law Enforcement as well.
How much sacrifice are YOU willing to make to protect YOUR families and quality of life?
Read MoreHow to survive and avoid incidents of civil unrest
Three friends were hanging out at an amusement park in Vancouver, BC. They decided to leave the park and drive over to the Sea Festival about ten miles away.
They had to park and walk about a mile to get to the festival. As the three of them walked toward the festival, they heard yelling and laughter. They thought that what they had heard was true and that people were having a lot of fun at this festival.
The yelling and laughter drew closer and finally a stream of youths ran past them. Then they saw riot police coming toward them.
Two of them wanted to turn and run away because they were afraid. The other friend told them, “No, don’t move, face toward the police and put your hands in the air.”
The three friends stood facing police, hands in the air.
A riot policeman approached them and before he could say anything, the young man who told his friends to stand still, told the police officer, “We just got here. We don’t know what’s going on.”
The policeman then summoned fellow officers who helped escort the three young men back to their vehicle. They were told what route to take to get out of the area.
They found out that a riot had broken out at the Sea Festival. The laughing and yelling youths who had ran past them were actually rioters who had smashed storefronts and caused a lot of damage.
If the three unsuspecting friends had turned and ran, they would have considered part of the rioting group.
How you react when suddenly confronted with a situation like this can make or break your survival of it.
This was a relatively benign example from an actual incident that took place in Canada in the 1970’s. However, we are not all fluffy little teddy bears up here. In Vancouver BC, the riots after a hockey game are legendary.
Civil unrest and encounters with mobs are a more common threat today, so it is worthwhile to understand the risk and how to prepare for it.
The term “mob mentality” conveys the single minded and unpredictable mind set of a mob. When it overtakes a group of people for any reason, the situation devolves and becomes dangerous rapidly.
The first consideration is not to become exposed to such a threat. Avoidance is the first and most important practice for managing risk.
Don’t go where the trouble is located and that includes online sites.
There are some preparedness people who advocate following the social media of groups who engage in civil unrest. This is a bad suggestion.
You are known by your associations. These groups are heavily monitored by government security and law enforcement agencies.
Your electronic footprint does not want to be stepping anywhere near these kinds of groups. In other words, don’t go dancing in the barnyard, if you don’t want to end up with cow manure on your boots.
It makes better sense to monitor and set an alert through legitimate news media or local civic alert systems.
If you are caught in a mob unawares as the three men in the opening story, then take measures to get out of it as fast as you can.
Don’t resemble the people in the mob. Remove anything that is similar to their clothing, if possible and within reason. For example, if they are all wearing hats, remove your hat or ball cap. You will be less likely to be identified as one of them on security cameras or by law enforcement.
Don’t talk to people in the mob and watch your nonverbal communication.
Stay calm, head down and keep moving at a steady pace. Don’t run or draw attention to yourself. Spawning salmon behavior will be counterproductive and can get you noticed.
Go with the flow and calmly move toward the outer edges of the mob at a steady pace. Avoid any areas or bottlenecks where you could be crushed.
This is where situational awareness can’t be stressed enough. Always know the area that you are in and how to navigate it. You need to know how to exit the mob at the first safe and accessible place.
That could be a side street or an alley. There may be a safe building or even a safe doorway that you can take shelter in. If you take shelter in a building, know where the exits are located in case it becomes an unsafe place in which to shelter.
If you are concerned that you could be crushed or thrown off balance because of a crowd surge, lock your elbows in a bent position and use them to push down on the crowd so that they propel you forward. Stay on your feet.
If you are in your vehicle, you have options. You can turn around if possible and get out of there or make your way to a safer street.
Some advocate to drive forward if there are only a few people in the situation and your vehicle is not a target. I would still turn around and avoid the situation. How do you know hundreds of people aren’t going to come pouring around a corner?
Regardless of the number of people involved, your vehicle could be targeted in an instant. Then you will be faced with the possibility of hitting someone with your vehicle. You may also find your vehicle rendered inoperable because it is suddenly surrounded and damaged. It’s your choice.
If at home during periods of civil unrest, stay away from windows, keep your doors locked. Do not go outside to see what’s going on. Use your security cameras to monitor the situation outside.
Move away from walls where bullets or rocks could penetrate and injure you.
Watch for fires and the smell of smoke. Fires can begin in riots, so keep watch until it is over.
Continue to monitor the situation at home to ensure you are certain that it is over.
Read MoreHow to synthesize/prioritize preparing for scenarios based on likelihood, severity, and other factors?
Some scenarios must happen, in general, more often than others. I imagine people use CPR more often than they evacuate their home and survive out of their GB/BOB. I imagine people restart their car battery more often than they use a firearm.
Does anyone know of a ranking of preparedness scenarios, ordered by how statistically likely they are to happen?
An additional level would be to factor in eventuality and severity. For example, saving enough funds for when you can no longer work for pay is important, but the “average” person has several years to work towards this. Being able to stop severe bleeding is something you may never need, but is extremely important if you do need it, and doesn’t take as much time or money to prepare for as other things.
And of course there’s the community aspect as well. If I’m built out enough to survive a multi year emergency, but all of my neighbors are food insecure week-to-week and I don’t even have their phone numbers, that seems like a bad prep.
Read MoreHere comes the sun – When a massive solar flare, grid loss and overheated nuclear reactors change the world. [Edited to include what the prepper in the story did wrong.]
Solution for what the prepper did wrong at the end of the post.
This morning, you watch as the sun shoves the sky aside and plants itself in your line of vision. Sunrise. No one cares much for sunrise these days.
Thirteen months have passed since your world went silent and dark.
The massive solar storm stopped the world dead in its tracks. It destroyed the vulnerable electric power grid transformers. There had been a committee back in 2011 that had examined the risks and warned action was needed. It was too late now.
You listen. Nothing. At one time the sound of traffic and horns honking was an annoyance. Now, you would give today’s ration of food to hear a car or sip a warm beverage, or linger with a good book while sitting on a gleaming white porcelain toilet that actually flushed. When the grid was destroyed, it took sewage, sanitation and potable water along with it.
At first, they said restoration would happen in months, then months became “foreseeable future.” There was some irony for you in that phrase. No one was seeing much of anything these nights. It was pitch black at night now.
You try to remember the smell of coffee in the morning. You haven’t made coffee for three months since your supply of fuel ran out. You should have stocked more fuel or searched for better alternatives while you had the chance to do so.
Has it only been 13 months? It feels like an eternity has passed since the sun threw a massive solar tantrum larger than the Carrington Event of 1859.
The event was the solar flare equivalent of the big earthquake on the San Andreas fault predicted by seismologists.
Some reports said a solar storm wouldn’t have the deleterious effects upon communications and electronics that everyone feared.
The misinformation about solar flares and the electro magnetic pulses were fed partly by the entertainment industry.
People mocked those who doggedly prepared for a solar storm event because they didn’t understand how a solar storm would affect the power grid.
Severe solar storms only produce an E3 element that takes out the power grid transformers, and initiates DC like currents in extremely long electrical conductors.
Solar storms don’t produce the rapid E1 element that damages electronics. It was the loss of power that rendered electronics useless.
No one considered the threat that would result from long term power loss and it’s effect upon nuclear power plants. When those effects became apparent, everyone suddenly remembered Chernobyl and Fukashima.
The early days of blackout conditions and the subsequent looting and rioting was nothing compared to the long term effects of grid loss and the reactions of the nuclear power plants.
Then the psychological illness started, people who hadn’t prepared couldn’t cope with the utter devastation of their electronic world. They were overwhelmed by the disruption to all the modern conveniences integrated into their lives. You could see it in their eyes. They were not just hungry and dirty. They were lost also. Some of them became fatalistic and murderous in their insanity and very dangerous.
You need to forage. Maybe someone missed something in the mosaic of abandoned cars that litter the roadways and streets. But, you need to go further away from home to do so. It’s a big risk taking the bicycle out. Bicycles are like gold now and people have been killed for them.
You lace your boots up and whisper “thank you” to a prepper on The Prepared who taught you about FLC: feet, leather, covered.
You made sure to have the best boots you could afford. After testing them, you bought two extra pairs of those boots plus repair materials and learned how to repair them to extend their life. It wasn’t just a prep for a long duration event. You knew that sometimes really good quality items stopped being made or began to be made with inferior materials or workmanship.
Footwear was an important prep and the limping, poorly shod people roaming about were grim reminders. Some people with bad footwear were getting infected feet. Gangrene was nothing to fool with.
Save the bicycle for when it’s time to bug out. On The Prepared, you learned about The Monowalker from a UK prepper. It was carefully stored and ready to be used for bug out. Another “thank you.”
You wondered if the people from The Prepared were alive, if they and their families were okay. You hoped that however they prepared, that it was enough. You hoped that an experimental gardener with the dogs and gardens was picking ju-jubes and that there was a pound cake on their table.
It had become tougher to forage as more and more desperate people scavenged, while predator survivors waited in the shadows to take what they found.
Gun fights were common and avoiding stray bullets was a new pastime. When bullets hit your home, you moved your bed away from the outer walls and slept in a room lined with bookcases for protection.
Today, you could assemble a travois to carry larger or heavier items as close as possible, then “cache and carry” under cover of darkness. You needed to assemble more barter items to get the supplies you lacked for the long bug out journey ahead.
It was almost “bug-out o’clock.” Your personal doomsday clock was ticking louder. Bug out was your last resort, but survival is and always will be your first resort.
The bug out option became more complicated after the reactors overheated. It was a part of prepping that many preppers hadn’t factored.
There were now fewer options unless you wanted to glow in the dark. You had heard the radiation wasn’t as bad at the West Coast. “Heard!” How could you have forgotten to print the map for predicted reactor drift? You printed all your other important prep info!
The chorus of regret began to rise and flow toward your amygdala where it would soon become panic. NO!
Focus. Stay focused and aware. Get through today. Do it thirty seconds at a time if necessary, but get through today alive. You can do this. You can make it.
Internal pep talk concluded, you sling your dummy pack over one shoulder and do a final pat down and run a mental check list from head to feet of everything stashed on your person. The dummy pack was just some crumpled paper, empty tin cans, and a couple of rocks in a bag, but it was a way to blend in, foil robbers and useful as an improvised weapon.
What’s left of your guns and ammo is reserved for the long road ahead.
You think of The Prepared and everyone there who became an online community of preppers. You whisper the words into the air, “wherever you are, I hope you survived and if I make it, it will be because of all of you.”
Go time. You step out into the sun and begin to walk.
How could you become better prepared for a severe solar storm, long term loss of the power grid and the potential impact upon the nuclear power plants?
https://www.futurescience.com/emp.html
https://phys.org/news/2011-03-nuclear-meltdown-video.html
https://www.sustainabilitytelevision.com/blog/400-chernobyls-solar-flares-emp-and-nuclear
https://www.earthisland.org/journal/index.php/magazine/entry/flare-up_how_the_sun_could_put_an_end_to_nuclear_power/
https://earthsky.org/space/how-likely-space-super-storms-solar-flares-carrington-event
https://www.scientificamerican.com/article/new-studies-warn-of-cataclysmic-solar-superstorms/
https://www.govinfo.gov/content/pkg/CHRG-112hhrg80856/html/CHRG-112hhrg80856.htm
http://plainshumanities.unl.edu/encyclopedia/doc/egp.tra.038 travois
Here’s what the prepper in the story did wrong.
This scenario was meant to illustrate the power grid loss and reactor issues, but there was another message left in clues throughout the story.
The story is set thirteen months after the event in an urban area based on the number of people roaming about.
The person in the story is alone without any community established either before or after the event occurred. We’ll call this person the prepper.
The prepper claims to have not made coffee for three months which would place their last coffee ten months after the event happened. Making coffee with its distinct aroma was a mistake from the beginning.
The coffee should have been saved to drink cold if in need of caffeine to stay alert. This prepper was low on fuel, yet they still wasted fuel on a cup of coffee. That fuel might have been needed to boil water and sterilized equipment for first aid purposes.
Next, the prepper admits not prepping enough fuel or alternates which are part of needs, not wants in prepping. Water, food, shelter, defense, clothing, warmth, and first aid are needs, not “nice to haves.”
The prepper clearly describes the psychological condition of the population, yet is still sheltering in place without adequate community or resources.
The prepper describes needing to forage and having to go further away because vehicles in close proximity have been picked clean. This is now done on foot and without the bicycle. How does he plan to get that bicycle and Monowalker out of there without being noticed at this late stage?
Bicycles may be considered gold in the scenario, but so are boots according to the story with people needing them. He should have been “public” in an old pair that he could afford to lose.
The pepper refers to The Prepared and people that he learned from, yet has failed to see that the need for bug out happened long ago. Would this have happened with other people/family around? Is the isolation affecting this person’s judgement? Is there a lesson for all of us regarding isolation?
The prepper refers to “predator survivors” stealing from other survivors. No one should remain in that environment, nor in an environment with “gun fights” that are “common.” “Avoiding stray bullets” should not be a preppers “pastime.”
The prepper in the story wants to scavenge and possibly “cache and carry” items with which to barter to get supplies he “lacks” for the long bug out journey ahead. If he was prepared, why is he lacking important items?
Whom does he plan to barter with? It doesn’t sound like people around him are doing very well and barely surviving. If they did have what he needed, he could have bartered the boots he was wearing and worn his brand new back up pair without risking a foraging trip.
There are survivor predators and he thinks that he can just breeze past them with his foraged items? They would be out a night also and he will have trouble seeing them until it is too late.
The prepper is wasting more time and energy and running more risk in this fruitless exercise that he is mistaking for survival.
It no longer matters that bug out was a “last resort.” Now it should be his first resort if he wants to survive.
The prepper doesn’t have any maps.
The reference at the end to “what’s left of your guns and ammo” is troubling. How much shooting was this prepper doing? If you are alone and have to shoot that much, you shouldn’t be there. Why waste ammo when the solution is to exit a no win situation.
We assemble items, information, plan and prepare, but in an actual disaster we need to be careful of our judgement.
Hanging onto preconceived ideas that are clearly no longer working for us in a disaster, is a dangerous strategy, especially if we are alone and there is no one else to challenge our thinking.
Sometimes, our judgement can be faulty. We may, like the person in the story, remain far too long SIP, when we should have been long gone.
We may also place priority on having items that are not necessary or wasting resources in order to have “the comforts of home.”
Bugging out is not a camping trip. It is becoming a refugee to save your life, so take with you what will actually help you to survive.
One final note on the cars, the prepper in the story did not check the mass of vehicles for one made in an era (80’s) which from my newly formed understanding, would not have sustained damage during the solar flare. A bit of siphoning, stash bug out items, and if no keys, hot wire and go.
Read MoreLiberator Rocket heaters for your home
Does anyone have/know about rocket heaters for your home? Liberator is the only one l’ve found any info on that is certified. Does anyone have one? Know if they really work? Any info? Thanks. Have a totally electric house and hoping to find an alternative heat source.
Read MoreWhy I wrote: The year the crops failed and famine began in North America
Please see the bottom of this original post for an edit which explains why I wrote this scenario:
It is early evening and you have settled in to relax after this evening’s rations.
Rations. No one used the words “meal” or “breakfast” any more. “Lunch” and “supper” were long gone out of everyone’s vocabulary as well.
The word “snack” was considered vulgar and unthinkable considering the situation. People were hungry all the time now. Some people were even starving.
No one in North America ever envisioned the lands of big sky and bountiful prairie fields to become massive tracts of unproductive wastelands. They were now ugly reminders of a time when bellies were full, so full in fact, that people had to exercise and diet.
No one said the “diet” word anymore either.
Food security was assumed, expected, like a tap that delivered when it was turned on. There was food in the fields, food in the store and food in the cupboard. Then in 2024, a series of events pushed most of the world’s nations into famine.
Climate oscillations triggered climate variability which triggered yield variability.
Climate change had become the tortoise of the fable and it was slowly crossing the finish line first in the battle against environmental disaster.
Bees were on their knees in the fight for their survival and the world had the low yields and harvest failures to prove it. Many countries followed China’s methods and were now reliant upon hand pollination.
Developing countries in Africa, Asia and South America were homes to the vast tracts of monocultures grown to feed the global market, including soy for livestock.
It was an unprecedented alignment of events that became the dominos that fell, one by one, colliding into each other and finally ended with a massive global famine.
You are one of the prepared who accounted for this risk in your planning and preparations.
You learned to garden and save seeds many years before this event. You also created indoor garden space in your garage and home and practiced growing in those conditions in case it wasn’t safe to grow outdoors.
You created a secret garden to supplement your meager food supply. You venture into the parks and back country to forage for food.
The rations supplied by the government provide some nutrition, but your stored food items, plus the indoor and secret gardens give you hope that you and your family can survive this disaster.
Your reverie is interrupted by the commotion outside. You grab your gun and check the security cameras.
There is a man, roughly late 20’s who has breached your fence. He is agitated and yelling something about food. Another desperate one, you think. Were we sloppy with ration handling? Did this guy smell something?
You key the mic. “You are trespassing. Get off this property now.” Your voice booms through the air.
It has no effect on the man who continues yelling. He is saying “Help, please help me. I need a bit of food. Anything, please, I’m begging you.”
Again, you key the mic. “I’m not telling you again. Get off this property now or I will shoot you.
This agitates the man even more and he moves closer to your back door. “No, no, no. Please, you don’t understand, I need help, please, just a bit of food.”
You take aim through your gun port and squeeze the trigger. The man crumples to the ground. You didn’t want to do it, but there are so many of them roaming and looking for food. They are becoming more aggressive and there have been reports of increased violence.
You are getting ready go out and drag the body off your property, when suddenly, there is a shrill cry and a little girl around five years old comes running into the yard. She runs straight toward the man’s body and throws herself upon him. She is crying and wailing.
“Daddy?” “Daddy, wake up!” “Wake up, Daddy.” “Daddy?”
Then little girl suddenly stops and sits silent, still and in shock.
What do you do now?
How would you have handled the situation?
References:
Crop failure risks
Monocropping and harvest failures
Secret garden – growing food in plain sight
The reason for writing this scenario is buried in a response and I would like to clarify that this was not intended in any way for shock value. It is to outline a very real aspect of prepping under conditions when we have prepared and others have not prepared.
It was also written as a commentary on the fragility of our food security. Here is the piece extracted from the replies:
“I posed a similar scenario to some people many years ago, but did it in two stages and under different conditions. It took place in a pandemic. I was truly surprised back then by the answers I received. I did do it a bit differently.
In the first part, I didn’t disclose the child, only the adult male. Some people shot the guy. A few people social distanced and threw him a takeaway bag of food.
Then I posted the second part about the child. I had made reference to increasing violence in that scenario as well as this one. Now this vulnerable child appears and she is at risk of violence.
In the pandemic scenario, some people were prepared to shoot her also.
Others said they would just go out in ppe’s and take the child in, put her in quarantine in case she was a carrier, and then have her stay with them until things could be sorted out.
Back then, I responded, “You just shot her Dad in front of her. Do you think she will want to go with you?”
The responses that were the most chilling, were from people who stated that they would leave her out there to fend for herself alone, amidst the violence.
Those responses came from people who didn’t seem like the kind of folks who would ever respond that way. It was an eye opener.
It got me thinking about building prepping community. When we build prepper community, we are looking at a criteria. I realized back then, that we have to look deeper into how people will react under various conditions.”
In the replies is a link about my friend’s father who was a Hong Kong Vet. The long term starvation aspect was the reason I mentioned it in the replies and then decided to include his story from the Hong Kong Vets Association. It is a riveting account of how a group of young men used guts and ingenuity to survive as POW’s in the notorious Chinese and Japanese POW camps.
These men were starving and maltreated and yet they found ways to eat, improvise medical equipment and endure the brutality of the camps. Ultimately, you will see an incredible story of survival and courage with lessons relevant to this day for anyone who prepares. May we all be as strong.
William Bell Hong Kong Vet POW and Survivor
Read MoreWhat is your favorite thing about being prepared?
Why do you prep?
What do you get out of being prepared?
Why should others be prepared?
I love the feeling of having stored up food and water so that I could bunker down for a week or two and be fine if needed. It is so comforting.
While this isn’t my picture, I have it saved on my computer as a goal of what I want to accomplish someday. I’m slowly growing my food storage, and hope to make some awesome shelves like this in the future.
Then just as a reminder:
Read More
Neat vine growing robot with potential emergency preparedness applications
I watched a cool video on YouTube today about a new robot design that has many potential benefits to emergency preparedness.
The robot is made of a soft plastic or rip resistant nylon and can traverse many different obstacles. I can see this being used in search and rescue operations, emergency surgeries, surveillance, gardening, helping assist people with moving heavy objects, and more.
What are some of the possibilities that you can see with it?
Read MoreHome Invasion – Preparation that could have prevented or changed the outcome
Re first post: https://theprepared.com/forum/thread/home-invasion
Let’s look now at what could have been done to prevent or change the outcome of this scene.
The home did not have a security system to alert that four men had approached the property and split into two groups, each heading for an exterior door.
Security cameras wrapped around the house, set with perimeter alarms, infrared and enabled with facial recognition would have alerted the wife who was in the kitchen and possibly the sleeping husband.
She then could have pressed a 911 panic button while simultaneously alerting her husband. He would have been on his feet with a side arm drawn. His wife would have her side arm drawn and ready to defend instead of leaving it upstairs in her purse.
The husband would not have weak core muscles. The family would be healthy, fit and ready to defend with good cardiovascular conditioning.
The front and back doors and their respective door jambs were easily breached. It isn’t difficult to use a pry bar on a wooden door jamb, bypass poor door locks and make entrance through a wood door. Window inserts and sidelight panels that are installed into doors make it that much easier.
Steel door jambs bolted properly into the house with solid steel doors secured by properly fitted and installed dead bolt locks would have been a major deterrent.
Four unmasked men entering your home when it is obvious that the inhabitants of the home are present is a huge red flag that you have now entered a life and death experience.
Thieves usually go out of their way to avoid the inhabitants of a place that they rob. A home invasion may have robbery as part of the motive, but it also implies violence.
The German Shepherd is a protective breed, however, no dog is ever immune to harm. A dog can be a wonderful companion animal or early warning alarm. Any breed can try to defend their human pack, but they are too easily killed. Don’t rely on it as a source of protection.
The husband can hear commotion in the kitchen while he is being overcome. He should know by now that there have been multiple breaches and his wife is also in trouble.
He also knows that there are no guns used to control him, only a knife, gag and zip ties.
As his wife is dragged past him, he notes that she is injured, but lucid and restrained in the same way.
There is only one man watching the two of them. Immediately, he and his wife enact their prepared home invasion response.
She distracts the male guarding them with a fit of coughing while he removes a bobby pin from the waistband of his pants. He removes the coated tip from the bobby pin and wedges it between the interlocking teeth and ratchet of the zip tie.
He learned this technique and others by reading Clint Emerson’s books “100 Deadly Skills” and “100 Deadly Skills The Survival Edition.”
Because they have prepared, his wife can reasonably anticipate what her husband will do and jumps up to further distract the man who is watching them. This allows her husband time to respond and disable the intruder from behind and neutralize him.
There are three men upstairs who are able to attack the unsuspecting children because both children used noise cancelling headphones. Anything that disables part of your senses creates an opportunity for an intruder or assailant to attack you. If worn, headphones need to allow for hearing.
In a prepared family, the children would not be wearing headphones, they would have both heard their mother yelling “Dave,” their family code word for intruder in the house, get out now, no questions asked, leave your BOB, get to the neighbors and call for help. They would have had a chance to open their bedroom windows selected for a rapid open and egress design and exit the upstairs via their individual fire escape ladders.
The children would have known to escape at the first sound of trouble even without the family code word for an intruder because they were prepared.
The wallet and purse were easy to find and should have been put away out of sight. It could have bought them more time to react.
In the scenario, the unprepared husband and wife know their children have been harmed because of the commotion upstairs. The children are not with the three men who come downstairs.
The husband was given a pen to write down his info. His hands were zip tied in front of him. He could have used a ploy of saying something in a very low tone to encourage the man closest to him to bend lower. They were gagged so it would involve removing the gag to understand him.
Once the man was positioned, the husband had the option of stabbing him in the throat at the soft part above the v notch that marks the windpipe or in the eye with the pen. A swift upper cut to the jaw with his elbow or double palm strike upwards below the nose would neutralize that one long enough to go for the next man.
Zip tied arms in front of him could become a weapon simply by capturing the next man over the head from behind. A choke would take too long, but rapidly sawing back and forth, with a focus on the carotid artery would ensure a five minute departure for the second man as he bled out.
Once his wife saw him attacking the second man and using him as a barrier against the third man, she could go after the fourth man.
When he moved to restrain her, she jumped on his feet and threw her body weight against him, knocking him on the ground. Once down, she reverted to a feral response and used her teeth as a weapon and tore into the soft tissue of his carotid artery in order to stop him. The fourth man must now keep pressure on his artery or he dies faster.
She runs to the fireplace and rubs the zip tie back and forth across the sharp stone in order to free her hands. Then she grabs a heavy dining room chair and bashes it over the head of the third man who is fighting with her husband. Together they overpower him and run out of the house to find their children at the pre-arranged safe houses with their neighbors.
In the distance, the sound of sirens draw closer.
A prepared family avoids trouble through good interior and exterior security enhancements. They have a code word and plan for trouble in the home. The know how to overcome restraints. They have weapons throughout the house that can be deployed if they are caught unawares. Their preparedness allows them to always work as a team. The children know what to do and do it according to the plan. They know that in a matter of life or death, feral action is warranted.
They knew to recognize the severity of unmasked intruders who entered their home while they were at home. The unmasked aren’t trying to hide their identity, which means they intend to kill you.
Read MoreWhat a cat burglar learned about preparedness
In the early 1970’s in North Vancouver BC, the Vancouver Province newspaper published an edition with a special section that was dedicated to Bruce, a local man who was a well known and an accomplished martial artist.
Bruce lived on the fifth storey of a luxury apartment building.
One night Bruce awoke to unfamiliar sounds in his living room. He grabbed his training katana (sword) which was made of bamboo.
There was no need for Bruce to get dressed because he slept in his Gi (martial artist uniform).
Bruce peered into the living room and discovered a cat burglar on his knees rifling through the entertainment center cabinet.
Bruce sprang into action. The cat burglar, who was unaware that anyone was up, startled so badly at the sound of Bruce’s kiyup (loud yell) and the sight of a man in full martial arts dress swinging a bamboo sword down on him, that he soiled himself. His bowel and bladder both had the good sense to get out of there.
Bruce’s movements were rapid. Smack! Smack, smack, smack! The blows were meant to hurt, but not knock out the burglar.
Bruce told the burglar not to move while he exchanged his training katana for one of his actual Samurai swords. He now held that sword over the burglar.
There was a telephone on the entertainment center cabinet.
“Call the police and tell them what you have done and for them to come and get you,” Bruce ordered the burglar.
There was no argument from the burglar. He wanted out of that apartment. So he called the local police station (this was in pre 911 days). The conversation went something like this:
Burglar: “I’m at ____________. I tried to rob the place. There’s a man with a sword standing over me. He told me to call you. Please come and get me!”
Police: “Yeah, right buddy. Go sleep it off.” Click. That was the sound of the phone hanging up.
Burglar to Bruce: “They hung up on me!”
Bruce: Smack. “Call them back.”
Again, the terrified cat burglar called the police station.
Burglar: “I’m not drunk. Please pick me up.”
Police: “Stop calling here or we’ll charge you for making crank calls to us.”
Click. Smack.
The cat burglar didn’t wait for Bruce to tell him. He dialed the police station again.
Burglar: “Please, come and arrest me. This isn’t a crank call.”
By now the cat burglar was openly weeping into the phone. He wanted out of that apartment and away from Bruce, who was standing over him like a big avenging white clad statue. He also wanted to get away from the very sharp and shiny Samurai sword held by the angry statue. He had seen what he could do with the wooden sword. He didn’t want to find out what he could do with the metal one now in his hands.
This time, the policeman who answered was fed up with the burglar’s calls. The police traced the call despite being given the address because they were convinced it was a crank call.
An officer arrived and knocked on the door.
“Come in.” Bruce’s girlfriend, who had remained out of sight in the bedroom, opened the door.
The officer entered a bizarre scene in a nicely appointed suite that smelled like a toilet due to the burglar who was on his knees and sobbing into an entertainment center while a man in a white gi stood over him with a big sword.
The hapless cat burglar was arrested. Finally.
I wonder if he was scared straight by his encounter with Bruce?
Bruce took preparedness to a whole other level.
Read MoreWhere do precious metals fit in with your preps?
I’ve been considering buying some gold or silver to protect myself a little against the collapse of the dollar and other economical downturns.
Do any of you have physical gold or silver as part of your preps? How much and in what sizes do you recommend? When and how do you think gold and silver will be used as a type of currency?
Read More
Germinating seeds with an Instant Pot. Has anyone tried this?
Smithsonian Magazine ran this short article on germinating seeds with an Instant Pot. I believe I’ve tracked the original source to this YouTube video.
I’m wondering if anyone on the forum has tried this? Basically, you moisten a paper towel, lay on seeds, fold it over, shove it in a zip bag, and then use the yogurt setting of the Instant Pot to deliver low, steady heat to make heat-loving seeds germinate faster.
I’m planning to try this with basil and maybe bean seeds.
Read MoreFirst Aid for the Squeamish?
I posted about this very same subject before, but a couple of years ago and in a rather obscure comment on this site, so I thought I’d start a thread in the forum for more visibility. One big gap in my prepping, something I struggle with, is preparing for first aid. I’m pretty squeamish around injuries, blood and guts, burns, pain, descriptions or images of any of the above, etc. I do okay in everyday life with minor cuts or trips to the dentist. I’m okay with most shots. But start describing burns to me, or show me a picture of a wound and I start feeling really weak and nauseated.
For this reason it’s been really hard to think in any kind of systematic way about assembling a first aid kit, let alone learning how to use it for administering major aid to someone.
Just to give one example, a few years ago I ran into someone who was involved with her neighborhood first responder training for disasters. She talked to me about some of the first aid skills she was acquiring. For example, she said, in an emergency, if you have to operate on someone with no special tools, you can use an empty bag from fast food snacks — like chips — to create a makeshift barrier between you and the person being operated on. Let me just tell you that that was more than enough for me to start imagining how my neighbor might be operating on me without anesthetic using potato chip bag and a knife and I felt like I was gonna pass out.
I’m not sure how to get past this limitation of mine or how to work with it and prepare anyway. A couple of years ago when I posted about this someone suggested that I do a desensitization process where I start out practicing on things that absolutely do not look like injured people and then gradually increase the likeness to something that does. Admittedly, I have not done this, because the whole thing is hard to think about and because I can’t approach it enough to even be able to figure out what I should be practicing.
I’m thinking that I’m probably not the only person who has this issue. Wondering if anyone has any thoughts about it here
Read MoreReturning “Situational Awareness” to the forefront
https://www.worldaware.com/resources/blog/importance-situational-awareness-risk-management
With major national events like the immunization program starting and the holiday season here, this is an opportune time to review and refresh on situational awareness.
At above link, spend a few moments thinking about Exercise 2.
There is a national program called [something] “Blue” in re human trafficking. Airport personnel and others in transport industry, eg bus station employees, highway rest area workers, get enrolled in the program. I’m involved by managing part of a county emergency shelter. Slave traffic is visible enough and a walk to the parking lots doesn’t need a search light to guess which high end RV they are being transported in. Yes, suspicious activity is reported and recorded on my NIMS ICS forms.
Related to situational awareness is the current emphasis on “de-escalation”. Objective is to keep any involvement to minimum and get appropriate personnel alerted and responding.
For those who are EMTs (or CERT responders [depending on sponsoring agency’s requirements]) and related, a super book is “When Violence Erupts-A Survival Guide For Emergency Responders” by Krebs, Henry, Gabriele, C.V. Mosby Company, ISBN: 0-8016-6195-1. It’s relatively expensive but the Inter-Library Loan Program has only a $4.00 fee for a library check-out book. Anticipate next year the fee will increase.
When I can get a group established, I have book and copies for us.
……
One of my themes is “The Parking Lot”. With brick and mortar shopping still around and magnified during these next few weeks, avoid the convenient shopping mall parking space and park far away from the congestion. Plus, the exercise does wonders coupled to the extra fresh air.
Read MoreHow many of you are disinfecting packages?
I’m curious if people who were disinfecting packages are still doing this. I’m also interested if you are using other methods, like quaratining, and whether it extends to other items like groceries. At the beginning of COVID-19, I was using the guidelines provided by the article How to disinfect packages from COVID-19.
Read MoreHome invasion
*Warning – the following scenario deals with scenes of extreme violence. If you are sensitive to such scenes, please do not read further. Thank you.*
Come with me for a moment. There. Stand right there. Now look and observe the scene in front of you:
It’s 4:00 p.m. on a quiet Sunday afternoon and you are lounging in your favorite chair, feet up, and softly snoring.
Both children are in their rooms upstairs. The oldest, your fourteen year old daughter, is listening to music on her headphones and sketching. Your ten year old son is immersed in his gaming world.
The smell and sounds of this evening’s dinner preparation mingle with the late afternoon rays of sunlight streaming in through the kitchen window.
The family German Shepherd is stretched out on his side in the kitchen, his space at this evening’s dinner table reserved. His soft snoring blends with yours in a counter point rhythm.
It is a typical lazy Sunday afternoon at home in a quiet family-oriented neighborhood.
Suddenly, the front door jamb and door are breached, while the back door is opened at the same time and in the same way.
Two men enter through each door. You now have four unmasked men in your home. They have not concealed their identity and they have just invaded your home with the full knowledge that you and your family were at home.
Your dog jumps to his feet and runs toward the two men in the kitchen. One of the men grabs your dog by his front legs and splits his chest cavity as he lunges to attack him. He falls dead.
In the living room, you awaken to the sound of the breached front door.
Your drowsiness and weak core muscles prevent you from rapidly rising to deal with the intruders. It happens so fast that you can’t react quick enough to draw your side arm. You are further subdued with a knife to your throat while your hands are zip tied with both hands in front of your body. You are gagged and thrown onto the sofa.
Your wife is dragged from the kitchen into the living room and thrown onto a chair behind you. As she passes by, you can see that she is also zip tied, gagged and her head is bleeding. You are unable to communicate with her non-verbally, nor her with you, because you are no longer able to see each other.
Three of the men go upstairs to your children’s rooms while one remains behind to watch you and your wife.
The children have not reacted because they were both on noise cancelling headphones at the time of the invasion. They never heard or saw the three men coming until they were each attacked.
You ten year old son dies first, zip tied, gagged and his jugular vein cut.
Your fourteen year old daughter doesn’t die immediately. She is gagged and gang raped by the three men. Her face is almost unrecognizable from the beating they have inflicted upon her. After they decide that they have had enough, she dies the same way as her brother did, zip tied, gagged and jugular vein slashed.
Then the three men come downstairs and join the fourth man who is watching you and your wife. You don’t see your children with them.
They have your wallet and your wife’s purse, both of which were taken from your bedroom upstairs. Your hands were deliberately zip tied in front of your body so that you could write down your passwords for them. Within minutes they have emptied your bank accounts and all your available credit.
Your wife is then dragged upstairs where she meets the same fate as your daughter did. As she is moved to the master bedroom, your wife desperately looks toward your children’s rooms, only to see glimpses of their bloodied bodies as she is dragged past each room.
When they have finished beating and raping your wife, and ensured that your wife and two children are dead, the three men descend the stairs to kill you.
As you bleed out, you think, “they never said one word, never fired a shot.”
You realize that no one saw anything because of the privacy hedges around your home. You think of your wife and children.
You think “I should have”…then you lose consciousness and die.
Now, let’s rewind the scene and take a step back.
What could have been done to prevent or change the outcome of this scene?
Were there things that the family could have done once the invasion began?
Read More
What are useful civilian and semi-military organizations for prepper?
Having recently gotten my ham radio license, mostly for prepping purposes, and not being that keen on joining my local ham radio club, I’ve been thinking about what other organizations I might plug into to be more prepared for emergencies. There are of course volunteer emergency response groups on the city level. Around here that’s called CORE and they’re trained by the fire department. I personally have stayed away from them because it seems like a large time commitment and (the real reason) because I suffer from serious blood-and-guts squeamishness and don’t want to hear about emergency surgery preformed with a knife and an empty potato chip bag.
But I was also wondering about the lesser known organizations. I admit to having an unfulfilled dream of joining a military reserve and also of becoming a sailor, so I know a little about the semi-military organizations that are out there but not very visible. I’m not talking about guys in camo running around the woods with rifles, preparing for a race war. I’m talking about government-sponsored organizations. There is the US Coast Guard Auxiliary, which is a volunteer, civilian arm of the Coast Guard. They have their own missions of boating safety but also can substantially support the Coast Guard in their missions and have access to a lot of Coast Guard training.
The Air Force has a somewhat similar (but differently organized) service called the Air Civil Patrol. Some states have a military reserve, which is a state-only military force that steps in to supplement the National Guard or, potentially, to replace the National Guard if the NG is federalized and sent overseas. The state military reserve can’t be called up to serve out of state. They serve mostly as volunteers though they can be called up to active duty and get paid as soldiers do for a limited amount of time. None of these services carry weapons (although I’m not 100% sure about the state military reserve).
All these services seem like they have access to a lot of training and can be part of emergency response networks. I’m intrigued by the idea of getting involved in one of them if there is actually a practical prepping benefit to them and if I wouldn’t just be playing soldier/sailor, and also if it doesn’t involve being exposed to a lot of right-wing hate speech. Also though, I’m interested in learning about other organizations that exist largely under the radar but would be useful for preppers. The caveat is that I’m a pretty busy person already, so am not looking for another hobby or group that would be a giant time commitment. What has your experience been?
Read MoreHow to negotiate credit after you have prepared for it.
I believe that preppers usually understand the burden of debt in an uncertain world.
It is like having a chain around your neck and being restrained by it. I like to be free.
Negotiate credit only if it is truly warranted and after you have prepared to become responsible for credit.
That is what the 6-month test loan payment is really about. You have allowed yourself the time to determine if what you want to buy is really all that urgent. Is it? You have just waited six months for it. So we can rule out urgency.
You also now know what it is like to live without access to that money in your budget.
If you missed or were late “paying” the test loan payment into the savings account or dipped into those savings for any reason, you need to stop and take a long, hard look at what happened. Be absolutely honest with yourself.
The principle behind having a driver or hunting license is no different from the one that applies to credit. These credentials come with responsibility and they are a privilege to have and not a right to have. Someone is trusting you to repay what you have borrowed.
Lenders are all smiles when you sign on the dotted line. Watch those smiles evaporate if you break the terms of the loan contract. Once you actually borrow money, there are consequences for late or missed payments. If you default, the stakes get higher and I will discuss that in a future thread.
You are also six months longer on your job and living at your residence which goes toward stability that is considered by the lender and as part of your credit bureau. Always consider job stability before applying for credit.
If in a relationship, make sure you can handle it alone.
You should have a least one performance review under your belt before applying for any kind of credit. You need to know if you are making the grade with the employer. If the job market is poor, wait. You need to be able to get another job quickly if you lose the current one.
Now, let’s look at what to do if you decide to borrow money.
First, do your research. Get a copy of your credit bureau and look at your credit score and credit rating.
I will address credit bureaus in the next thread as there are a lot of moving parts to finance issues and I want to address them in an organized way to keep everything clear.
Examine your credit bureau carefully for any errors. This is important. If you see anything wrong, get it corrected before you apply for credit.
I can’t stress this enough: Do not ever go to high interest lenders or payday loan companies. Their interest rates are like a bad current that will drag you under and drown you so fast you won’t know what hit you.
Whatever it is that you want to buy, it is never worth making a bad financial decision or deal.
Once you have verified your credit bureau information, now you can begin to research loan rates.
If you are an established customer in good standing with a bank, start there if you are satisfied with your business relationship with them.
Most of the main banks keep similar rates, but it is still worthwhile to check across the board and know what range of interest rates you can expect to be offered.
Include the terms, or length of time given to repay the loan in your interest research. How will that effect your interest rate?
Once you have finished that, then and only then make an appointment with a lender.
Before you walk into that appointment, ensure you have had a good night’s sleep the night before and a good breakfast.
Never walk into a bank reeking of any intoxicant. The stale odor of it wafting out of your pores or off of your clothing from the night isn’t appropriate for a business meeting. Also, many people find the smell of cigarette smoke or strong perfumes or aftershaves an irritant. You would be surprised at how many people forget that one.
Be clean and well groomed and dress for business.
Remember this: you are attending a business meeting not a job interview.
You have prepared. You know the deal you want and you know your worth. If you are offered an interest rate or terms that are not part of your sensible financial plan, then tell the lender “I’m sorry, but that doesn’t work for me. This is what will work for me and my financial goals. How can we get there?” Negotiate.
Find out if there are penalties if you wish to make additional payments or pay the balance in full sooner than the end of term.
Never guarantee a loan by over pledging chattel or security. If you have stability, six months of payments in savings, and a good credit bureau, you shouldn’t have to pledge everything you own to get a loan.
If you are uncertain about their offer and wish to seek independent advice, then tell the lender that you want to think it over and make another appointment for a later date.
Loans officers are used to people entering their office, hat in hand, as if they are applying for a job and willing to take or sign anything.
Getting a loan is not about winning a prize. It is a business deal.
Once you have made an agreement, then read and understand every single line of that loan document before you sign it.
Never sign your name or agree to anything that you have not read and fully understood including online. Usually, a legal document will state in the wording that your signature is affixed because “I __________ have fully read and understood….”
If someone tries to rush you, politely indicate that this is business and you are ensuring everything is accurate and to your satisfaction. You don’t need to apologize for being sensible.
I have caught errors in estate and mortgage documents made by a lawyer and banker respectively. They are human and capable of errors in person or online.
Make sure you fully understand and confirm the date of the first payment, the amount and how the payments are taken from your account should the payment date fall upon a weekend or holiday.
Edited to add: Remember when you apply for credit it is also a sales situation. The lender will try to sell you more products or services. It is how they get promoted. They have quotas to meet just like a bank account manager, teller or customer service rep.
For example, you want a mortgage and walk out with a line of credit and a credit card. Or, you want x amount of money for a loan and walk out with more money than you asked for because “you qualified for it.” Do not fall for that. It’s not a popularity contest or an award. They are trying to sell you something – more debt.
Stick to your preparations and plan.
That’s all I can think of for now. Next, credit bureaus.
Read More
How to prep for new and emerging diseases
I just read a Canadian article in today’s news that got me thinking about new and emerging diseases and what we will need to learn or have in our preps in order to prepare for them.
Here’s the article I read today. It appears to be a new disease, so far more than 40 cases have been reported in the province of New Brunswick, which is situated on the Atlantic coast.
Quote from linked article begins: In an internal memo obtained by Radio-Canada, sent on March 5 by the office of the chief medical officer of health to the New Brunswick Medical Society and to associations of doctors and nurses, the department notes the existence of a cluster of 42 cases of a progressive neurological syndrome of unknown origin. End Quote
This internal memo was dated March 5, 2021. When were they planning on telling the public?
Read the article carefully. It is “not genetic and could be contracted from food, water or air.” There is concern that this could be a new disease.
New Brunswick monitoring 40+ cases of unknown neurological disease
This news reminded me of a January 2021 article which was part of a BBC News series called “Stopping the Next One” which refers to emerging infectious disease.
This link is to the BBC article from the series BBC Nipah Virus
New and emergent diseases are going to impact how we prep.
These infectious diseases will also impact travel and the work place as Covid-19 did. They could also impact what we eat, where we live, how we live and on a much larger scale our economies and the global economy.
Is it travel, climate or both causing these diseases to emerge?
How do we prep for this kind of scenario?
This is a level of prepping that will require an understanding and respect for how infectious disease spreads.
The stakes are very high considering the death rate for Nipah Virus, or the long term effects of the neurological disease described in the New Brunswick article.
I have seen too many people disregard health protocols during the current Covid-19 pandemic.
This is nothing new so it shouldn’t surprise any of us. Think back to the HIV/Aids epidemic. How many people played Russian roulette with their own life or someone else’s life instead of doing what they were told to prevent the spread of a virus that was killing people?
If we experience more of these kinds of events, then the message that these are deadly, infectious diseases needs to get hammered home. If people in remote villages in Africa can be taught the protocols for Ebola, what on Earth is wrong with us? How can we set ourselves up to die from stupidity?
Does prepping now include evasive techniques for protection against people who are not taking precautions to spread disease?
The New Brunswick article stated the neurological disease could be contracted from food, water or air. How do we prep for that? Is livestock going to become a distant memory in the face of more diseases originating from this source?
Bats may be the transmitters in the case of Nipah and other viruses, but they are also an important part of how insect populations are controlled, including insects that spread disease.
How do we get ahead of the curve on this scenario?
Read MoreHow to be prepared if you decide to apply for credit
In the mid 1990’s I wrote a manual as a technical communication course project based upon my experience as an Account Manager for a major Canadian bank.
The information does not in any way divulge or betray confidentiality with my former clients. I cannot share their stories, but I can share the lessons.
The Canadian and American banking systems are different. However, there is information about credit management that may help you to be better prepared in this area.
This thread is about applying for credit and how to do it sensibly.
We need to begin before you make an appointment to obtain a loan.
Why do you want the loan?
Do you have your eye on a shiny new __________(fill in the blank)?
Are you getting married and have decided to start off your married life indebted? Do you want a little extra for a nice honeymoon?
Or is it for the worst reason of all, do you want a loan to pay off a pile of other debt?
The reason behind why you want the loan may be the reason why obtaining a loan is a bad decision.
Traditionally, people took on debt to buy a home through a mortgage. Later, car loans became an accepted reason for debt. Now, people take loans for everything.
A home is generally considered an appreciable asset meaning an asset who value will increase over time. A vehicle is a depreciable asset meaning it will lose “book” value every year. There are exceptions for both examples but they are not applicable in this thread.
Both the home and the vehicle become the chattel or security for the mortgage or loan. If you default, you lose the home or the vehicle.
There are loans which do not build assets. These are “band-aid” loans that cover one of two consumer problems: no savings or overspending.
People who take these kind of loans will either pledge their existing assets to get the loan. In their desperation to make the deal, they will pledge assets which are far more than the value of the loan. Now they are in a situation where if they default, they lose assets.
The question is why were they so desperate for a loan in the first place? If preparation prevents panic, then could we not also consider that savings prevent making bad financial deals?
We can take that a step further and consider that sensible spending would also help prevent making unwise financial deals.
Unsecured credit, such as credit card debt usually involves spending and having nothing to show for it. There are exceptions where people use their credit card to buy an item with asset value, but they are not the rule.
Credit cards can be considered an extension of income by some consumers and that is a very dangerous way to think of credit. Credit is never an extension of your income. You shouldn’t need a credit card to make monthly expenses.
A credit card balance should be paid in full per the terms of the contract each and every month. If you do that, you build a good credit bureau rating which will make a difference when you do buy a house. People with good credit bureaus get better deals because they are considered a good credit risk.
If you are taking a consolidation loan to pay off other debt, understand that this type of loan is both a green and red light to a bank. On the “go” side, they will give you that type of loan because they can charge more interest and get you to pledge assets right down to your household items.
On the “stop’ side, they will drop you like a hot rock if you walk in and try once too often to get another consolidation loan. On your credit bureau, these types of loans are considered a “whoops” the first time. You may drop points the first time. If you repeatedly need consolidations loans to cover overspending, then your credit bureau is adversely affected.
A consolidation loan is a rescue loan. Think of it as a non-swimmer who repeatedly goes into water over their head. The first time they need to be rescued, it’s forgiven. Imagine what lenders think the second, third, or fourth time. It can also be a red flag that someone has an addiction problem such as gambling.
There is a sensible way to prepare for credit.
First make sure why you want the loan is for a good reason and not the result of an impulse decision to buy something.
Next, if your reason is sound, then determine what you can afford for a payment each month. That’s right. I did say it: you determine what you can afford each month and how long you want to be indebted or the term of the loan.
The banks generally use a debt service ratio which means they say you can afford x% of your income each month for a mortgage or other debt.
They take a basic personal financial statement. What do you earn? They list and total your basic expenses: rent/mortgage, utilities, debt, insurance, etc.
The difference between the two is what they consider to be your disposable income.
The bank doesn’t live with you. They are using a formula approach which isn’t real life.
You need to determine what you can consistently and comfortably live with each month. In order to do that you need to track every cent of your disposable income that you spend each month. There are two steps to take to do this each done at the same time.
Take the amount that you currently think you can afford to repay a loan and set it aside in a separate savings account. Do this every month for 6 months minimum. Treat is as if it were a loan payment. Make notes of any times or months when it was hard to do. This is a test of what you can really live with each month.
At the end of that 6 month minimum, you should have a very good idea of whether x amount of money will be comfortable for you to repay before you commit to the actual loan.
The bonus is that you also have self-insured a minimum of 6 months of loan payments in case of crisis or income interruption.
You also have given yourself time to think and consider the expenditure and maybe even shop around for a better deal.
At the same time, set up a simple tracking method for how you spend your income.
Start with fixed expenses such as rent or mortgage, utilities, insurance, etc. and set them up on a budget sheet. Include savings set aside each month over and above the amount in the test loan amount. Be certain of your expenses and verify them if necessary.
On another sheet write down your disposable income expenses.
Write down the date, amount, what was purchased and how you paid for the item. For example:
If you use multiple accounts or credit card, list them on separate pages.
Jan 1 $126.40 Joe’s Hardware Garden supplies
You can also use the information to track a return, credit memo or R&M (repairs and maintenance) for vehicle and home expenses.
The amount saved for the “test” loan is also good for your credit bureau.
If there is interest, let me know and I will gladly go through some of the other areas in a future thread(s).
Read MoreGood first-aid kits make good neighbors
The other day I had an experience that made me feel great about building an Individual First-Aid Kit last year. That morning, my 76-year-old neighbor pulled up and told me he wanted help removing an old bathtub. I said sure and didn’t think much more about it.
That afternoon, my wife runs into my office and tells me his wife called, he had hurt himself and needed help. I grabbed my IFAK on my bug out bag and ran next door.
He had fallen into the old cast-iron tub and his forearm was bleeding profusely (he takes blood thinners). He had cut off a big section of the tub, so a slab of iron was in the floor between me and him in this tiny bathroom.
It took me a minute to think about how to go about this. I grabbed some gauze from the IFAK, wrapped his arm, moved the iron out of the way, and his wife and I pulled him out of the tub. He was still bleeding through the gauze a bit so I put an Israeli bandage over it and told his wife to remove it every so often and check on it.
Anyway, despite not really having a clue about what I was doing (medic training is near the top of the list when the pandemic is over) and my IFAK being an overstuffed mess (also on the to-do list), I was able to help my neighbor out. We often like to say that skills matter more than tools, but sometimes just having the tools makes the difference.
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