I have been researching again. Sustainability, off-grid, alternative energy, all of the things that would be necessary if something happened to society as we know it. Want to know what I have discovered? It is really expensive and none of them are good for general purposes.
If you do a web search on these things, you will find millions of pages, most of which are simply common sense things, to reduce the amount of energy you consume. You can use solar PV systems, but they are expensive, bulky, and if you live in an area that doesn't get optimum amounts of sunlight year round, not really the way to go unless you have a huge amount of battery storage and/or another source as a backup. Wind turbines can be a good solar backup, but you have to have open space, a good steady wind, and they can be noisy if they are too close to the house. Micro-hydro is another good source for solar backup. If you have a creek, stream, or spring with a high enough flow rate. Again, you have to have the right local conditions.
Then there is the whole biomass thing. Essentially, it all boils down to a wood stove of some sort. Yes, you could rig up a way to use the wood stove to boil water, to create steam, to run a turbine, that is connected to a generator, to produce a current. Is it efficient? Not really. You would have to really, really like cutting firewood, and have a large patch of woods, for this to be a viable option. But...there are things you can burn besides trees, provided your stove can handle the different types of fires and still be efficient. Corn cobs, waste paper(ie cardboard, rolled newspapers, etc) sawdust (either loose or pellets), broken shipping pallets, construction waste, basically anything that is cellulose based and will still burn. A wood stove in the home would be a great alternative to being strictly electric since you can use it to heat the home, cook on, and heat water, but this would be mainly limited to cool or cold weather seasons. But as a supplement, it is a great option.
Lets say you have 5 acres and a small (1000 sf or less) house and it is just you and your significant other. One of you works outside the home and the other stays on the property and gardens, tends the livestock, etc. For this setup, 4 to 6 solar panels with the associated battery bank, a wood stove, and maybe a small wind turbine (if you really use a lot of electricity, like for a separate chest freezer and a small ac unit) would be a good set up. The main problem would be that the equipment would run you over $10,000. Plus the batteries would have to be replaced every 5-8 years and that can get expensive in the long term.
You could go really old school and do without electric completely. Have 2 wood stoves, one inside and one outside, candles or kerosene lamps, and live without an AC unit. Here in the hot humid South, not really a viable option. It can be done but you have to have the right layout on your house or you would just be living in a oven all summer. Good airflow through out the house and a 3 sided wrap-around porch with windows (and screens) facing the prevailing winds. This is how our grandparents lived. And it worked out fine.
So, I guess the bottom line on this is really how much do you want to spend, and how many of the modern luxuries can you give up to do it. If it is a survival situation, I can personally give up a LOT of things. If it is just a sustainability issue, I am not gonna give up my a/c.
So until we have our 5 acres, or life as we know it comes to an end, I will just keep researching options. Maybe something new will be developed that will eliminate the need for multiple systems and battery banks. Maybe...maybe...maybe.
It does give me something to think about though.
Showing posts with label disaster preparation. frugal lifestyle. Show all posts
Showing posts with label disaster preparation. frugal lifestyle. Show all posts
Friday, September 30, 2011
Tuesday, August 30, 2011
Summer 2011
OK, Almost 3 months without a blog post. I know. I keep saying that I will try to do better but it has just been so busy.
I think I am just about finished canning for the year. Hopefully. Peaches, nectarines, apples, potatoes, meat, tomatoes, salsa, soup, beans, corn, jams, relishes, etc. Not enough, but it will have to do.
And I have been hurting. Alot. My rheumatoid arthritis has been giving me fits all summer. I went to the doctor last week and he upped my meds again. Hopefully it will help. Fall will be here soon and the rain and cooler weather don't help my hands and feet at all. Let's all hope that another surgery isn't needed on the other hand.
We got our daughter moved back into her dorm room with minimal fuss for once. She seriously downsized what she took with her this time and that helped tremendously. Unfortunately, that means she left most of it here. But it is all neatly packed away.
The economy is looking bad so we are cutting back on the spending again. We moved some things around and started looking at what all we will need to do if we have to sell the house quickly. We have a lot more work than money at this point so it will take a while to get everything fixed up and sell-able. Sigh. It is always something.
I have started making lists for things that have to be done. Some things are a given. Dishes and laundry are a daily chore, but things like mowing the lawn and sweeping the floors I can pass off to other family members. Why does it always seem like my list is longer than everyone else's? Then there is the long term list. Getting gutters, paint the bedroom, getting new kitchen counters. That is the ugly list. And getting new floors. The bare concrete in the bedroom is really starting to get old. And the dryer is starting to go out. Yet another expense, and one that we can't put off to boot. We are headed back into broke time.
Well, my feet and hands hurt, but laundry waits for no one.
I think I am just about finished canning for the year. Hopefully. Peaches, nectarines, apples, potatoes, meat, tomatoes, salsa, soup, beans, corn, jams, relishes, etc. Not enough, but it will have to do.
And I have been hurting. Alot. My rheumatoid arthritis has been giving me fits all summer. I went to the doctor last week and he upped my meds again. Hopefully it will help. Fall will be here soon and the rain and cooler weather don't help my hands and feet at all. Let's all hope that another surgery isn't needed on the other hand.
We got our daughter moved back into her dorm room with minimal fuss for once. She seriously downsized what she took with her this time and that helped tremendously. Unfortunately, that means she left most of it here. But it is all neatly packed away.
The economy is looking bad so we are cutting back on the spending again. We moved some things around and started looking at what all we will need to do if we have to sell the house quickly. We have a lot more work than money at this point so it will take a while to get everything fixed up and sell-able. Sigh. It is always something.
I have started making lists for things that have to be done. Some things are a given. Dishes and laundry are a daily chore, but things like mowing the lawn and sweeping the floors I can pass off to other family members. Why does it always seem like my list is longer than everyone else's? Then there is the long term list. Getting gutters, paint the bedroom, getting new kitchen counters. That is the ugly list. And getting new floors. The bare concrete in the bedroom is really starting to get old. And the dryer is starting to go out. Yet another expense, and one that we can't put off to boot. We are headed back into broke time.
Well, my feet and hands hurt, but laundry waits for no one.
Friday, August 13, 2010
End of Summer
School will be starting next week, but it seems that I still haven't finished with the canning thing for the year.
Last weekend I stopped by a farm market for some tomatoes to can. While I was there, I also picked up some new potatoes, early apples, a cantaloupe, zucchini, corn, and a box of over-ripe peaches.
Let me tell you something about peaches. They are best if you go out to the trees, cup your hand underneath it, and it falls off in your hand. That is how you know if it is ripe. The next best thing is to find a farm market that sells peaches and buy a box of their over-ripes. You can get them for almost nothing, and with the exception of a few bruises, they will be the best thing you have ever put in your mouth. They are the "bite-into-it-and-juice-drips-off-of-your-elbow" ones that those in the know will fight over. These peaches are the proof that the fruit you get at the grocery store is a joke.
I picked up a "lug" (about 1/2 a bushel) of these over-ripe peaches for $10. We ate several of them fresh and I put the rest in the freezer. There were only 3 out of the whole box that I had to throw out because they were too damaged. I still had 9 quart-ish sized bags for the freezer. My husband had never really had a "good" peach before and was simply amazed. Now I need to get some more.
I told my dad about them. He wants to do a swap of canned peaches for canned pears. He has a buddy with pear trees that gives him 5 or 6 5 gallon buckets of pears every year. So Dad is going to can up some pears for me and I will can some peaches for him. We are already swapping plum jam and preserves for purple hull peas, so the fruit swap is just a bonus.
But it will keep me busy for a few days. Not that I have a problem with that.
Last weekend I stopped by a farm market for some tomatoes to can. While I was there, I also picked up some new potatoes, early apples, a cantaloupe, zucchini, corn, and a box of over-ripe peaches.
Let me tell you something about peaches. They are best if you go out to the trees, cup your hand underneath it, and it falls off in your hand. That is how you know if it is ripe. The next best thing is to find a farm market that sells peaches and buy a box of their over-ripes. You can get them for almost nothing, and with the exception of a few bruises, they will be the best thing you have ever put in your mouth. They are the "bite-into-it-and-juice-drips-off-of-your-elbow" ones that those in the know will fight over. These peaches are the proof that the fruit you get at the grocery store is a joke.
I picked up a "lug" (about 1/2 a bushel) of these over-ripe peaches for $10. We ate several of them fresh and I put the rest in the freezer. There were only 3 out of the whole box that I had to throw out because they were too damaged. I still had 9 quart-ish sized bags for the freezer. My husband had never really had a "good" peach before and was simply amazed. Now I need to get some more.
I told my dad about them. He wants to do a swap of canned peaches for canned pears. He has a buddy with pear trees that gives him 5 or 6 5 gallon buckets of pears every year. So Dad is going to can up some pears for me and I will can some peaches for him. We are already swapping plum jam and preserves for purple hull peas, so the fruit swap is just a bonus.
But it will keep me busy for a few days. Not that I have a problem with that.
Monday, June 22, 2009
Jars, Jars, everywhere...
It is canning time again. I think I have mentioned that already, but I mention it again because it has really started up now. Yesterday I canned blueberries. Today I am canning beans. Tomorrow I may can tomatoes. This is the time of year to stock up for the winter.
So far this month I have canned beef, chicken, beans, cherries, blueberries, and now beans. I hope to do a lot more beans, corn, peas, carrots, and whatever else I can find to put in a jar.
I have dried potatoes, sweet potatoes, carrots, onions, peppers, strawberries, and made fruit leather and jerky. So far. I hope to do some more jerky and vegetables. I might dry some more fruit this year as well.
With the cost of food steadily rising, and no end in site, it can only be a good thing to be prepared. And I actually have fun putting everything away for a rainy day. We never know when the power will go out, or if my husband will lose his job. These are all things that having a supply of food in the house will help with. We won'd have to worry about having enough to eat. And since I am growing part of this myself, it is costing us only the seeds. That is a much better way to ensure you are eating healthy and not getting a bunch of preservatives in your food.
My biggest problem is where to store everything. If I try to can, dry, or freeze everything we will need for a year, I just won't have enough space, even using all of the closets, to put everything. A year's worth of food takes up a lot of room.
Since I try to find things when they are on sale and stock up, maybe I should look for another one of those diy cabinets with the doors on it. The one I have now, that I am using as a sewing storage/food pantry, is already full. And it is only mid June. By August, I will have jars, bags, and shelves overflowing.
But it is always better to be prepared than to be caught unaware.
So far this month I have canned beef, chicken, beans, cherries, blueberries, and now beans. I hope to do a lot more beans, corn, peas, carrots, and whatever else I can find to put in a jar.
I have dried potatoes, sweet potatoes, carrots, onions, peppers, strawberries, and made fruit leather and jerky. So far. I hope to do some more jerky and vegetables. I might dry some more fruit this year as well.
With the cost of food steadily rising, and no end in site, it can only be a good thing to be prepared. And I actually have fun putting everything away for a rainy day. We never know when the power will go out, or if my husband will lose his job. These are all things that having a supply of food in the house will help with. We won'd have to worry about having enough to eat. And since I am growing part of this myself, it is costing us only the seeds. That is a much better way to ensure you are eating healthy and not getting a bunch of preservatives in your food.
My biggest problem is where to store everything. If I try to can, dry, or freeze everything we will need for a year, I just won't have enough space, even using all of the closets, to put everything. A year's worth of food takes up a lot of room.
Since I try to find things when they are on sale and stock up, maybe I should look for another one of those diy cabinets with the doors on it. The one I have now, that I am using as a sewing storage/food pantry, is already full. And it is only mid June. By August, I will have jars, bags, and shelves overflowing.
But it is always better to be prepared than to be caught unaware.
Saturday, May 16, 2009
Excalabur 2900 dehydrator
I got my new dehydrator in this week and I am so excited. It is more than twice the size of my old one (15 sf of drying space) and actually much faster too. The first day I got it, I dried 6 chopped bell peppers (on sale for $1.78 for all 6) and 5 chopped onions ($1.99 for a 3 pound bag) and still had 2 trays left empty. The same amount of chopped dried onions retails for about $6. And since I use the peppers and onions all the time when I cook, it is a great deal for us. And also much better for cooking when I just don't feel like chopping up an onion.
I also picked up some really nice strawberries from a roadside vendor this week. I have bought from them in the past and they are some of the best strawberries you will ever eat. At $14 a gallon, they are a little bit expensive, but still cheaper than the grocery store, and the taste just can't be beat. We ate a few of them fresh and the rest (a little less than a gallon) I made into fruit leather and dried sliced. The finished product gave us about 10 fruit roll-ups and almost a quart jar of dried slices.
The sliced berries work out really well for us. I make scones with them, and we use butter and strawberry freezer jam on the hot scones. Really awesome and very easy. Take your favorite biscuit recipe (there is a good one on the back of the Bisquick box, just don't use the liquids), add 1/2 cup of sugar, 3/4 cup of sour cream, and a big handful of crumbled berry slices and enough water or milk to make a really, really stiff dough. It just needs to hold together and not be too "wet". Place the dough on a greased baking sheet and pat it out to about 3/4 inch thick and round. Slice it like a pizza and bake it in a moderately hot oven, I generally bake at 375, until it is nice and browned all over. Like I said, just awesome.
Drying food takes up a lot less space than canning, and the majority of the time, tastes just as good as fresh. 3 pounds of chopped, dried onions will fit into a half gallon jar and you don't have to worry about them getting soft or mildewed in the pantry. If you need "fresh" onions for things like potato salad or similar recipes, just soak them in a little warm water and they will plump back up. Same with the fruit. To make a fruit salad or compote, soak your mixed dried fruits in a little water or apple juice to plump them back up and chill.
Just about every vegetable can be dried and stored. Potatoes work out really well. Slice and parboil the spuds, surface dry with a paper towel and lay them out on the trays. After they are dry, they can be used for scalloped potatoes, re-hydrated and fried, or cooked in the microwave with a little milk and then mashed. Drop some in a stew or soup, run through the blender to make potato flour or instant mashed potatoes. Very very useful.
I would suggest this to just about anyone who wants to be able to preserve food without the mess and expense of canning. Buy produce when it is on sale or in season from a farmers market and dry it. And if the dried foods are kept sealed, they will keep just about indefinitely. It is a great way to save money. And eat healthier.
I also picked up some really nice strawberries from a roadside vendor this week. I have bought from them in the past and they are some of the best strawberries you will ever eat. At $14 a gallon, they are a little bit expensive, but still cheaper than the grocery store, and the taste just can't be beat. We ate a few of them fresh and the rest (a little less than a gallon) I made into fruit leather and dried sliced. The finished product gave us about 10 fruit roll-ups and almost a quart jar of dried slices.
The sliced berries work out really well for us. I make scones with them, and we use butter and strawberry freezer jam on the hot scones. Really awesome and very easy. Take your favorite biscuit recipe (there is a good one on the back of the Bisquick box, just don't use the liquids), add 1/2 cup of sugar, 3/4 cup of sour cream, and a big handful of crumbled berry slices and enough water or milk to make a really, really stiff dough. It just needs to hold together and not be too "wet". Place the dough on a greased baking sheet and pat it out to about 3/4 inch thick and round. Slice it like a pizza and bake it in a moderately hot oven, I generally bake at 375, until it is nice and browned all over. Like I said, just awesome.
Drying food takes up a lot less space than canning, and the majority of the time, tastes just as good as fresh. 3 pounds of chopped, dried onions will fit into a half gallon jar and you don't have to worry about them getting soft or mildewed in the pantry. If you need "fresh" onions for things like potato salad or similar recipes, just soak them in a little warm water and they will plump back up. Same with the fruit. To make a fruit salad or compote, soak your mixed dried fruits in a little water or apple juice to plump them back up and chill.
Just about every vegetable can be dried and stored. Potatoes work out really well. Slice and parboil the spuds, surface dry with a paper towel and lay them out on the trays. After they are dry, they can be used for scalloped potatoes, re-hydrated and fried, or cooked in the microwave with a little milk and then mashed. Drop some in a stew or soup, run through the blender to make potato flour or instant mashed potatoes. Very very useful.
I would suggest this to just about anyone who wants to be able to preserve food without the mess and expense of canning. Buy produce when it is on sale or in season from a farmers market and dry it. And if the dried foods are kept sealed, they will keep just about indefinitely. It is a great way to save money. And eat healthier.
Monday, November 10, 2008
Raising rabbits?
OK, so today I have been learning about raising meat rabbits. Apparently, rabbit meat has fewer calories per pound than any other meat, has very little cholesterol, and *surprise!* tastes like chicken.
From my research, I have learned that meat rabbits can dress out around 4-5 pounds in 8-11 weeks. That is a lot of meat in a very short time. And considering that the average litter is 5-8 kits, that is more than 20 pounds of meat every three months with only 1 breeding doe. I have also read that to start a family sized meat operation you would only need 1 buck and 3 does. So that would be 60 pounds of meat every quarter, that is 240 pounds a year! I am thinking that is a very cost effective feed to meat ratio.
And rabbits can be kept in 5 foot square elevated cages to keep predators out and make cleaning the cages easier. They are also very quiet so as to not disturb the neighbors. Another little tidbit I learned is that rabbit manure is the only manure that does not have to be aged before use as fertilizer. So straw from under the cages can go directly into the garden or flower bed. Cool, huh?
The pelts can be tanned for numerous uses as well. I can think of gloves and hats just for starters.
So just about anyone can raise rabbits for meat. They take up very little space, breed like, well, rabbits, and are a very healthy choice when it comes to meat.
I wonder if I can talk my husband in to building me some rabbit cages?
From my research, I have learned that meat rabbits can dress out around 4-5 pounds in 8-11 weeks. That is a lot of meat in a very short time. And considering that the average litter is 5-8 kits, that is more than 20 pounds of meat every three months with only 1 breeding doe. I have also read that to start a family sized meat operation you would only need 1 buck and 3 does. So that would be 60 pounds of meat every quarter, that is 240 pounds a year! I am thinking that is a very cost effective feed to meat ratio.
And rabbits can be kept in 5 foot square elevated cages to keep predators out and make cleaning the cages easier. They are also very quiet so as to not disturb the neighbors. Another little tidbit I learned is that rabbit manure is the only manure that does not have to be aged before use as fertilizer. So straw from under the cages can go directly into the garden or flower bed. Cool, huh?
The pelts can be tanned for numerous uses as well. I can think of gloves and hats just for starters.
So just about anyone can raise rabbits for meat. They take up very little space, breed like, well, rabbits, and are a very healthy choice when it comes to meat.
I wonder if I can talk my husband in to building me some rabbit cages?
Saturday, October 25, 2008
Preparing for the Next Great Depression
80 some odd years ago, something really bad happened in our country. We had a series of catastrophes that triggered an economic meltdown the likes of which had not been seen in modern history. There were several years of droughts that destroyed most of the harvests in the Midwest. The stock market became unstable causing bank runs. And as a side effect of those issues, many people left their family farms and moved to the cities looking for work, causing food and housing shortages in large urban areas.
Then the Black Blizzards came and scoured literally millions of tons of topsoil from what was once the richest areas of the Midwest, and scattered it all over the country. This all but destroyed the fertility of the wheat belt for about 20 years. It took many years and thousands of tons of fertilizers and chemicals to get back even a fraction of the growing capability of that once fertile soil.
We have recovered the crop producing soil now, but the mindset that worked that soil is probably gone forever. A single farmer, with 80 or 100 acres, or even 200 acres, does not control what he produces anymore. He cannot decide to plant sweetcorn on his rice field anymore. Because of the specialized nature of modern farming, he would have to invest in a multitude of new equipment if he decided to change his crop. And most simply cannot afford it.
What does that mean for the average person? We depend on farmers to grow food for us. If they cannot grow it, we cannot eat. The cost to consumers for the lack of diversity in farming is that if we have another Great Depression, there are millions of acres of fields planted in crops that are not edible by humans. Corn crops these days are mostly grown to make ethanol or corn syrup and not to eat. Different hybrid strains of corn that produce higher starch content have been produced to increase the yield but not for food. So all of that land that used to grow food, now grows sweeteners for you sodas and additives for your car. If every farmer used 2% of his fields to grow food crops, like potatoes or beans, that is only 2 acres for every 100 he plants in cash crops, we would not have food issues in this country. A 2 acre plot of land could feed a family well for a year. And if every farmer in each community would get together and each plant his 2 acres in a different crop and swap with each other (one plant tomatoes, one sweet corn, one beans, squash, etc) they could easily feed the entire community. And if that was done all over the country, no one would have to go hungry.
Even if everyone who has at least 1/2 acre of space in town planted a garden, everyone that person knows would have access to fresh food. It is very easy to have more squash than a family can eat. And tomatoes are a very high yield crop as well. Peppers, okra, beans, peas, all of theses are very high yield for the space they use. Even melons and cucumbers can be run on a trellis so that they take up very little space.
If everyone planted something, anything, there would not be food shortages in the face of an economic depression.
Food isn't the only thing that will be needed if the worst happens. The basics we as humans need to sustain life are food, water, warmth and dry. Food we have already talked about. Water is an issue that most people take for granted. You turn on the faucet and there it is. But that water has to come from somewhere. If another Great Depression occurs, it is highly unlikely that municipal infrastructure will fail. So water shouldn't really be an issue except in very remote areas.
Warmth is something to be concerned about though. With the prices of heating oil and natural gas skyrocketing, it only makes sense to look at alternative sources for heat. Wood-burning stoves come to mind. As well as passive solar and geothermal sources. The technology is there now but the prices are still high enough to put it out of reach for most people. So wood stoves and fireplaces are still the cheapest, most efficient option at the moment. A wood stove can be used not only for heating the room, but also for cooking your food. So that is another plus to look at.
Shelter to keep you out of the weather, be it rain, wind, cold, or hot summer sun is always an issue. If you loose your job, and you home get foreclosed, where will you go? It is always a good idea to have a backup plan in the event of an emergency. Even natural disasters like tornadoes, floods, and earthquakes can take your home away from you in a heartbeat. Where will you go? A good backup plan can be the difference between surviving and subsisting.
Make a plan. Will your family be able to survive?
Then the Black Blizzards came and scoured literally millions of tons of topsoil from what was once the richest areas of the Midwest, and scattered it all over the country. This all but destroyed the fertility of the wheat belt for about 20 years. It took many years and thousands of tons of fertilizers and chemicals to get back even a fraction of the growing capability of that once fertile soil.
We have recovered the crop producing soil now, but the mindset that worked that soil is probably gone forever. A single farmer, with 80 or 100 acres, or even 200 acres, does not control what he produces anymore. He cannot decide to plant sweetcorn on his rice field anymore. Because of the specialized nature of modern farming, he would have to invest in a multitude of new equipment if he decided to change his crop. And most simply cannot afford it.
What does that mean for the average person? We depend on farmers to grow food for us. If they cannot grow it, we cannot eat. The cost to consumers for the lack of diversity in farming is that if we have another Great Depression, there are millions of acres of fields planted in crops that are not edible by humans. Corn crops these days are mostly grown to make ethanol or corn syrup and not to eat. Different hybrid strains of corn that produce higher starch content have been produced to increase the yield but not for food. So all of that land that used to grow food, now grows sweeteners for you sodas and additives for your car. If every farmer used 2% of his fields to grow food crops, like potatoes or beans, that is only 2 acres for every 100 he plants in cash crops, we would not have food issues in this country. A 2 acre plot of land could feed a family well for a year. And if every farmer in each community would get together and each plant his 2 acres in a different crop and swap with each other (one plant tomatoes, one sweet corn, one beans, squash, etc) they could easily feed the entire community. And if that was done all over the country, no one would have to go hungry.
Even if everyone who has at least 1/2 acre of space in town planted a garden, everyone that person knows would have access to fresh food. It is very easy to have more squash than a family can eat. And tomatoes are a very high yield crop as well. Peppers, okra, beans, peas, all of theses are very high yield for the space they use. Even melons and cucumbers can be run on a trellis so that they take up very little space.
If everyone planted something, anything, there would not be food shortages in the face of an economic depression.
Food isn't the only thing that will be needed if the worst happens. The basics we as humans need to sustain life are food, water, warmth and dry. Food we have already talked about. Water is an issue that most people take for granted. You turn on the faucet and there it is. But that water has to come from somewhere. If another Great Depression occurs, it is highly unlikely that municipal infrastructure will fail. So water shouldn't really be an issue except in very remote areas.
Warmth is something to be concerned about though. With the prices of heating oil and natural gas skyrocketing, it only makes sense to look at alternative sources for heat. Wood-burning stoves come to mind. As well as passive solar and geothermal sources. The technology is there now but the prices are still high enough to put it out of reach for most people. So wood stoves and fireplaces are still the cheapest, most efficient option at the moment. A wood stove can be used not only for heating the room, but also for cooking your food. So that is another plus to look at.
Shelter to keep you out of the weather, be it rain, wind, cold, or hot summer sun is always an issue. If you loose your job, and you home get foreclosed, where will you go? It is always a good idea to have a backup plan in the event of an emergency. Even natural disasters like tornadoes, floods, and earthquakes can take your home away from you in a heartbeat. Where will you go? A good backup plan can be the difference between surviving and subsisting.
Make a plan. Will your family be able to survive?
Wednesday, October 22, 2008
The Economy, the Election, and What it means for Us
Continued from yesterday...
So what does the upcoming election mean for us as Americans? I personally don't think it really means all that much. I know that people get passionate about their favorite candidate, and sometimes are very vocal, but I don't feel that either of the major party candidates will be a good choice.
We have allowed our leaders to destroy the Democratic process by our apathy. We just don't care what they do in Washington as long as they give us money every now and then and stay out of our way. We do not care that they are bought and paid for by lobbyists and special interests groups. On a local level, we do not care that lucrative state and county contracts go to good friends and relatives instead of the lowest bidder or the most qualified. We do not question where the campaign funds come from. We just don't care. And as a result, the only people who want to become politicians are those who are in the business for personal gain, not for the want to do good.
What it all boils down to is that politicians, as a species, are not politicians so that they can help the people. And that being the case, one is just as good as the other. Either way, the American people lose.
The US economy is in such bad shape from lack of oversite, that there will not be a good or easy way out. The economy will collapse. How far, and for how long, is really the only question. Home prices have been way, way over-valued for the last 10-15 years so the local governments could collect higher property taxes. Gasoline has been over-taxed so the DOT could collect more money to pay civil engineers to design new bridges and roads that we have nowhere to put. Income taxes have been raised time and again to pay for social programs that encourage people to not work and have more babies instead of training them for good paying jobs. The Social Security Program has been tapped into for decades to fund congressional pet projects instead of being used to keep healthcare costs for senior to a manageable level. Farmers are being paid to NOT grow certain crops to keep the prices artificially high instead of letting the market take care of itself. Factory farms are pushing traditional farmers out of the business through over regulation and higher production costs.
Every dollar you earn is taxed a minimum of 4 times. Yet we are going to pay $700 BILLION to bank CEOs for driving their businesses into the ground. Where is that money going to come from? You guessed it, higher taxes...again.
Higher taxes mean fewer jobs. Fewer jobs means higher unemployment. Higher unemployment means more people default on their loans and credit cards. More defaults means more banks will fail. See a cycle here?
My guess is that it will be a very lean Christmas season for retail sales. And come January, credit card companies will start failing. That will mean all the people who live on their credit cards will no longer have access to credit. It is very possible that the card companies will demand payment in full. That would mean that every card that you have a $2000-$10,000 balance on will say, "Pay it off now or we will sue." Blood from a turnip I know, but if they get a judgment against you in court, they can seize your assets to settle the debt. Like your house, your kid's college fund, your IRA. See the picture? And the government will be on their side because they do not want the banks and card companies to fail.
Your best bet is to do what every you have to do to pay those suckers off and never look at a credit card again. Pay cash. Or use a debit card. Or better yet, do without it if you can.
So what does the upcoming election mean for us as Americans? I personally don't think it really means all that much. I know that people get passionate about their favorite candidate, and sometimes are very vocal, but I don't feel that either of the major party candidates will be a good choice.
We have allowed our leaders to destroy the Democratic process by our apathy. We just don't care what they do in Washington as long as they give us money every now and then and stay out of our way. We do not care that they are bought and paid for by lobbyists and special interests groups. On a local level, we do not care that lucrative state and county contracts go to good friends and relatives instead of the lowest bidder or the most qualified. We do not question where the campaign funds come from. We just don't care. And as a result, the only people who want to become politicians are those who are in the business for personal gain, not for the want to do good.
What it all boils down to is that politicians, as a species, are not politicians so that they can help the people. And that being the case, one is just as good as the other. Either way, the American people lose.
The US economy is in such bad shape from lack of oversite, that there will not be a good or easy way out. The economy will collapse. How far, and for how long, is really the only question. Home prices have been way, way over-valued for the last 10-15 years so the local governments could collect higher property taxes. Gasoline has been over-taxed so the DOT could collect more money to pay civil engineers to design new bridges and roads that we have nowhere to put. Income taxes have been raised time and again to pay for social programs that encourage people to not work and have more babies instead of training them for good paying jobs. The Social Security Program has been tapped into for decades to fund congressional pet projects instead of being used to keep healthcare costs for senior to a manageable level. Farmers are being paid to NOT grow certain crops to keep the prices artificially high instead of letting the market take care of itself. Factory farms are pushing traditional farmers out of the business through over regulation and higher production costs.
Every dollar you earn is taxed a minimum of 4 times. Yet we are going to pay $700 BILLION to bank CEOs for driving their businesses into the ground. Where is that money going to come from? You guessed it, higher taxes...again.
Higher taxes mean fewer jobs. Fewer jobs means higher unemployment. Higher unemployment means more people default on their loans and credit cards. More defaults means more banks will fail. See a cycle here?
My guess is that it will be a very lean Christmas season for retail sales. And come January, credit card companies will start failing. That will mean all the people who live on their credit cards will no longer have access to credit. It is very possible that the card companies will demand payment in full. That would mean that every card that you have a $2000-$10,000 balance on will say, "Pay it off now or we will sue." Blood from a turnip I know, but if they get a judgment against you in court, they can seize your assets to settle the debt. Like your house, your kid's college fund, your IRA. See the picture? And the government will be on their side because they do not want the banks and card companies to fail.
Your best bet is to do what every you have to do to pay those suckers off and never look at a credit card again. Pay cash. Or use a debit card. Or better yet, do without it if you can.
Friday, October 10, 2008
Just in Case...
Things have been just a bit different around here lately. While we don't have any stocks to worry about in the current market, the free fall on Wall Street still affects us. When stocks fall, companies get itchy. When banks fail, it is bad for everyone. If money is inaccessible, businesses cannot operate and lay off workers. That will only feed a vicious cycle that will collapse our economy if it goes on long enough.
Granted, we are not as bad off as some, but that doesn't mean we are in good shape. We have a couple of months of food stored, and our only debt is the house payment, but for a long term we will have problems just like everyone else.
I think if we prepare for a total breakdown, we can stave it off. My husband's family has operated under a curse of some sort for at least the last century. Every time something good to anyone in the family, something horrible will occur to wipe out the good and just a little more for good measure. So I figure if we spend a bunch of money that we really can't afford to get prepared for a possible collapse of society, we can prevent it from happening. Take the Y2K thing. We had water, lots of canned goods, refilled all of the prescriptions, got cash out of the bank, backed up all of the home computers to CD, bought batteries, etc. so nothing happen. My Brother-in-law did the same thing for his family. Therefore, nothing happened.
Granted, those things are just a good idea for every family to have prepared at all times anyway. You cannot predict natural disasters and there is something bad that can happen just about everywhere. And it can't hurt to be prepared. But some of the things you will need in a total collapse, like water filters, extreme medical supplies, guns and ammo, and survival skills could be an expense that you will never need. But can you ever really know what you will need in a crisis?
We have told the kids that things can change overnight and they need to be prepared, at least mentally, for life as they know it to go away. It isn't really fair to the kids to not at least warn them. While most folks prefer to keep their kids in the dark about what is going on in the world, we choose to keep ours informed so they can make up their own minds about issues. Keeping our children naive about world events might make you feel better and make you think that you are protecting them, but kids are not stupid and they hear more than you might realize. If you involve them in any planning decisions, it empowers them and actually will calm their fears. As long as they have a voice in the plan, they will understand why thing are different and be more of a help than a hindrance in case of emergency. And they will be more willing to sacrifice for the good of the family if you tell them why the precious store of batteries should not be used for the Nintendo DS or the MP3 player.
Hopefully, the worst will not happen, but being prepared in case it does will go a long way to staying calm in the event of an emergency.
Granted, we are not as bad off as some, but that doesn't mean we are in good shape. We have a couple of months of food stored, and our only debt is the house payment, but for a long term we will have problems just like everyone else.
I think if we prepare for a total breakdown, we can stave it off. My husband's family has operated under a curse of some sort for at least the last century. Every time something good to anyone in the family, something horrible will occur to wipe out the good and just a little more for good measure. So I figure if we spend a bunch of money that we really can't afford to get prepared for a possible collapse of society, we can prevent it from happening. Take the Y2K thing. We had water, lots of canned goods, refilled all of the prescriptions, got cash out of the bank, backed up all of the home computers to CD, bought batteries, etc. so nothing happen. My Brother-in-law did the same thing for his family. Therefore, nothing happened.
Granted, those things are just a good idea for every family to have prepared at all times anyway. You cannot predict natural disasters and there is something bad that can happen just about everywhere. And it can't hurt to be prepared. But some of the things you will need in a total collapse, like water filters, extreme medical supplies, guns and ammo, and survival skills could be an expense that you will never need. But can you ever really know what you will need in a crisis?
We have told the kids that things can change overnight and they need to be prepared, at least mentally, for life as they know it to go away. It isn't really fair to the kids to not at least warn them. While most folks prefer to keep their kids in the dark about what is going on in the world, we choose to keep ours informed so they can make up their own minds about issues. Keeping our children naive about world events might make you feel better and make you think that you are protecting them, but kids are not stupid and they hear more than you might realize. If you involve them in any planning decisions, it empowers them and actually will calm their fears. As long as they have a voice in the plan, they will understand why thing are different and be more of a help than a hindrance in case of emergency. And they will be more willing to sacrifice for the good of the family if you tell them why the precious store of batteries should not be used for the Nintendo DS or the MP3 player.
Hopefully, the worst will not happen, but being prepared in case it does will go a long way to staying calm in the event of an emergency.
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