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I hear your concerns over your situation, and they are warranted.
1) There are lots of variables here, but in general I would stop contributing to retirement accounts until the ‘huge’ unsecured debt is paid off. Debt accumulates the additional burden of interest, interest that can wipe out any gain from investments, keeps you a slave to others, and limits your options on where you can go from here. Removing money from your RSP’s may prove costly in penalties and taxes (see your CPA), but leaving it where it’s at may prove even costlier.
2) I am totally in favor of preps, within reason. You do not want to be without a minimal supply of food, medical supplies, and personal defense should something disrupt the flow of oil/gas or the dollar start to colllapse as store shelves could go empty in a matter of hours, (depending on the event). Stockpiling more than you can carry on your back may be a waste should SHTF in a major way as you mentioned your residence would not be secure when criiminal activity surfaces. Small stockpiles in different locations may be an option, but don’t rely on getting there on wheels. Is there a family member nearby with a more secure and defendable residence?
3) Not knowing the area around where you live it is impossible to know what your options are. One thing is for sure, if you don’t improve your surroundings you are a sitting duck and at the mercy of the lamebrains that run this country and economy. I understand the relationships with having dogs and cats, but human life trumps them in hard times. The main alternative many others are opting for is moving in with relatives, that is a tough way to go unless everyone on board understands the need and is willing to make sacrifices in their personal lives.
4) A little extra charcoil is a good thing to keep on hand, but not too much unless you can use it to barter. If the power goes out and other people are without a means to cook, or without food at all, then your BBQ is going to draw major unwanted attention. Storing water is always a good thing, but if it needs to be boiled before drinking you may have a problem. There are ways to keep water potable for long periods of time, and if nothing else, buy bottled water whenever it’s on sale.
5) As mentioned before, your townhouse sounds like easy pickings for criminal activity once LE breaks down. Be prepared to move to a more secure location on a moment’s notice. Know where to go ahead of time should you and your spouse be at different locations when something goes down. Put together ‘bugout bags’ and keep them in your vehicles when away from home. Do not leave firearms in your house if you are not there as they could end up being used against you.
6) Working with others within your community is always a good thing, but not always possible. People are diverse, and in most cases you do not want to rely on others for your own well being. Do not let anyone else know you are even thinking about stockpiling food – or anything else. The fact that your neighbors are putting up with the non-secure surroundings tells me they will more than likely not be on the same page as you’re on right now, and will look at you as some whacko if you express your concerns. Without major support of all your neighbors demanding and taking steps to improve the surroundings you are better served by having a sold exit plan.
The one most important bit of advice I can give is that “time is of the essence”. Too many people have awakened to see where we’re headed, but because nothing major has happened yet to affect their day-to-day lives they have been lulled back to sleep. IMHO, you are in a bad way according to your description, and you cannot wait until 2015 when your unsecured debt is (hopefully) paid off to make some major adjustments.
I really wish you well.phecksel wrote:
Funny story, firearms are absolutely forbidden at my employer, including in my personal car. I had to drive from one side of Detroit to the other side. Normally, freeways would have been taken, but I left later than I desired and made the bad decision to stay on surface streets. Not an environment I wanted to be in without my carry 🙁
Decision made – your job is worth more than your life.
OPEC may need/want/endorse a shortage to bring the price of a barrel of oil back up after the recent swooning.
Recent articles reflecting the views of business owners and CEO’s echo sound judgmental reasoning that additional (hiring) investments in such volatile economic times without steady and increasing demand for goods & services is simply not going to happen. Hiring workers before you have demand is putting the cart before the horse.
Furthermore, the same people added that investing in the expansion of a business in an environment swarming with suffocating restrictions and regulations (USA) is also a bad idea. Nothing new here either.
I agree with both lines of thought and see the newest ‘jobs program’ as insanity – for expecting different results from the last jobs program. I do applaud the president however, in taking himself out of the 2012 election with this latest verbalization of incompetence.
Very well spoken, chip.
Let’s hope it’s not an epitath.
I lurk here a lot, many things of importance are learned from people with their heads in the right places, but this may be the most important thread I’ve read.
Been preparing for bad times for over 10 years, it comes as a second nature from a poor childhood. The signs of a great storm have been easy to spot for a long time now, and I do not understand how we’ve limped along as long as we have. Every additional day this house of cards remains standing is certainly welcomed, but has the effect of one more fix in an addict’s arm that leads the blind and lazy ever closer to hell on earth. At times the life of a watchdog can be very lonely. Some of those closest to me can see what has been happening, and can somewhat understand the ugly nature of what lies ahead, but have made their decision to let the cards fall where they may… or so they allow themselves to be fooled into thinking.
There is no rationality in the mind of someone that says they would rather not be around to live in this world when the SHTF. Do they think they are just going to suddenly vaporize into Utopia when things turn really bad? What about their loved ones and their kids, do they realize they are condemning them to their same ill-thought out fate? Do they envision walking into a euthanasia terminal and ‘checking out’ with some sort of twisted dignity like in the movie Soylent Green? Or walking into the dark, cold, snowy night without a coat as in "The Road"? How do they view that eventuality of facing one more day in a world gone to hell verses a self-induced bullet to their own brain pan? They haven’t. It’s pure fantasy, like talking about what they’d do with $10 million in lottery winnings before they actually won it. There are no atheist’s in a foxhole when the artillery comes raining in, and when the time comes people will scratch, claw, and beg for each additional breath of life. People with a normalcy bias are living a deadly lie.
For the rest of us who do get it, I believe we are in that calm just before the storm. We’ve seen the approaching clouds, watched the lightning and heard the thunder approaching, smelled the rain in the breeze, and now all has fallen still. We are close, but not alone in the realization of that fact.
Shelf life unopened is 10 years, after opening 1 year.
I have purchased numerous cans of this and other products from this company (powdered cheese, honey, scrambled eggs, butter) but have not opened or tried any. You can save a few bucks if you order through Sam’s Club.
There are lots of things that can be done to fix the problem, depending on what your priorities and methods are, and what you perceive the problems to be. They just won’t be done. Ever.
I’ve experienced the same thing. Only recently, when natural disasters have frequently been in the news, has anyone mentioned that taking steps to avoid being left out in the cold following a flood/tornado/earthquake/volcano/fire or other life changing event, actually makes some sense. Then the other day my wife mentioned that she had seen on TV that many movie and music stars are preparing for tough times – just like me. Imagine that.
Until they wake up a little bit, just keep your Noah face on and stay busy. Be mentally prepared to make some hard choices if they don’t.
A small pizza joint may work if you can keep your overhead down and possibly offer delivery for lazy impulse eaters. Go after business instead of waiting for it to enter your front door; as in providing for sporting and public social events, birthday parties, graduations, work offices, etc.
The type of sit-down restaurants I see usually doing the best in tough times are breakfast and maybe soup-n-sandwhich lunch types where inventory is cheap and small as compared to those serving dinners and multi-course meals (soup/salad, entree, dessert) that involve twice the work/cost/inventory/personnel/table space & prep time.