Tag Archives: guest blogger

The City Cousin: A Different Perspective On Prepping

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“Yes, Preppers Should Have Insurance Policies.”

Contributed by Shawn (aka The City Cousin)
(Shawn will be writing a series of posts about prepping in an urban environment.)

I’ve had a varied background, career wise, over the past forty years. My first job, after graduating from college, was as a Welfare Fraud Investigator for the State of Utah. This hadn’t been my plan. Initially I was in a prelaw program via a political science major, then two quarters before graduation, I changed my major to Spanish as I was offered a Teaching Fellowship in the Language Department. My goal was to attend grad school and become a Spanish professor. Unfortunately, this is when quotas were first being developed for racial and gender balance in organizations. I saw the handwriting on the wall (not being a Latino or a woman) that future job prospects in that field would be minimal, so I started interviewing for any job. Which brought me to two conclusions that I’ve found to be true: first, if you don’t know where you’re going, it doesn’t matter which road you take; and second, journalism classes do pay off.

In the interview for the welfare investigator position I was asked what I felt was needed to prepare a good investigation summary. I flipped through my ‘mental rolodex’ (for those of you under 30, a rolodex is a round file that we used for phone numbers, addresses, etc. Google it and you will be amused at that technology) and came up with those questions any article should answer: Who, What, Where, When and How. I got the job.

When I started thinking about getting more prepared, I began with a list of perils and what I needed to do to prepare for them. Then I applied my questions: Who, What, Where, When and How. Living in Seattle we have some unique perils, as well the perils we all face.

Peril is an insurance term which describes those events or risks a policy covers (yep, I worked for an insurance company along the way as well). I believe, since fortunately most perils are not catastrophic in nature, all preppers should begin with good insurance coverage. I realize this is a different approach to prepping. But a homeowners/renters policy provides (prepares) us with coverage for the perils of fire, theft, wind damage, lightning strikes, etc. It has liability coverage, which covers you in the event someone is injured on your premises, or sues you for libel/slander. There is also coverage for ‘loss of use of premises’, which covers temporary housing and living expenses. As a prepper, take the time and make sure you understand what your insurance policy covers, as the perils and benefits depend on your state, your insurance company, and policy type. Earthquake and earth slides tend to be coverage you have to add to your standard policy. Flood insurance is purchased through the federal government. Insurance works as a tool to manage risks by transferring to the insurance company coverage for a loss; your deductible is the risk you are willing to cover in a loss (the higher the deductible the more of the risk you assume).

Prepping is another form of insurance, and perils is another word for disasters. So what are the perils I have defined and, other than having adequate insurance, what have I done to prepare for them? Living alone, in a 500 square foot one bedroom apartment, it can be an interesting process. Next month I will share with you what I have come up with and the resources I’ve used. With preparation we define the road we are taking and we know where we are going.

The City Cousin’s Bio
I come by prepping by growing up watching the example my father set; he was always prepared for whatever situation would arise. Now, as a single man living and working in Seattle, I have opted to live near downtown in a small apartment. For me this is a comfortable space; trying to be “green” it has reduced my use of resources from electricity to gas for my truck. With limited space, I have reviewed what I can reasonably be prepared for in my urban environment.

(Friday: Momma Bear’s March Preps, instead of my weekly summary the last Friday of each month Momma Bear will sum up what she and her family did that month to prep.)

What I Did This Week To Prep 2/3/12

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Reading, and writing my review of, The Doom and Bloom Survival Medicine Handbook this week took a lot of my time, so not as much other stuff got done.

Sarah and I did do a fair amount behind the scenes on the the blog site itself. Sarah does the technical side and I handle the personal networking aspects. Is this a prepper topic though? I believe it is – especially since our blog is about prepping. But any blog you write allows you to teach and learn; it also may have the potential to develop into a business and/or give you more personal independence. Sarah upgraded us from WordPress.COM to WordPress.ORG. WordPress.org is the WordPress software that must be self-hosted (we went with Host Gator for that) but allows for greater flexibility and expansion potential. I’ve been corresponding more with people in the online prepper community; strengthening relationships and starting new ones. We’re also bringing on a new monthly contributor to our blog (more on her next week). Along those same lines, we’re considering having a (different) guest blogger write a post for us each month. So if you–or anyone you know–are interested, send me an email or facebook message (my contact information can be found on the About Trace page).

Last month I wrote a post on the Gerber EAB Lite Utility Knife. There has been discussion on TSP Forum where several people complained about the clip easily breaking off the knife. I’ve carried mine, clipped to my pocket everyday, for several months now without any issues. But just to do some follow-up, I contacted Gerber’s Warranty Department (by email). I told them we have several EABs and expressed my concern about the clip weakness, and asked them for a couple extra clips to keep on hand. They, no questions or hassles, sent me three replacement clips – no charge for shipping or anything. In summary, it’s a good little knife, good customer service experience, and I haven’t had any issues with the clip.

Finally, after reading the Doom and Bloom book, I decided we need to continue actively working on our medical preps. Because of my background, knowledge, and willingness, I’m sure one of my primary roles in a collapse will be as the medic. I believe I need to do as much as I can now to prepare for that role. So, coincidentally, last week on the Doom and Bloom blog, Dr. Bones wrote, Over The Counter Drugs When You’re the Doctor, that included a thorough list of OTC drugs to stock up on. This week he wrote, Must Have Antibiotics, Antifungals, and Antivirals. So, we’ve earmarked some money for additional fish antibiotics (Antibiotics In Your Preps) and are going to stock up on more OTC meds when we go to Costco. How much is too much? Tough call. But they store for a long, long time (Expired, or Not Expired… That is the Question), they’re relatively cheap, they don’t take too much space to store and–in a collapse–they’re irreplaceable.

What did you do?

(Monday: Book Review: Where There Is No Doctor)

What I Did This Week To Prep 1/6/12

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We’re expanding our garden this week, not a whole bunch–our yard isn’t that big here in suburbia–but some. We’re making more room for the strawberries and to maximize the areas that get good sunlight. The cool thing about it is that this time we’re using compost that we made.

We’ve been composting for about a year now with very slow, unpredictable results – learning as we go. Our compost pile has had lots of ‘greens’ (high in nitrogen) coming from kitchen vegetable and fruit peelings, coffee grounds, and plant cuttings. It hasn’t had enough ‘browns’ (high in carbon) that can come from fallen leaves, hay and straw, or paper and cardboard. You need significantly more browns than greens to achieve the right ratio in your compost pile, and we’ve been short on browns. You wouldn’t think that here in Washington we’d have a shortage of fallen leaves, but the problem is (here in suburbia) all the trees were cleared when they developed our subdivision. We also can’t just pick up someone else’s bagged leaves because they’re all put in large yard waste bins for collection. So I sent Ryan out to an area with lots of leaves on the ground and he collected three big bags. We added one bag of leaves (unfortunately I didn’t shred them first – next time) to some coffee grounds from Starbucks and continued adding our normal kitchen wastes. A a week later our pile was actually ‘hot’, it had never been hot before! There are still good leaves to be had so we’re going to collect some more to have on hand (“One man’s trash…”). We’re also going to buy a cross cut paper shredder to produce more usable browns. (I found good composting tips at compost-info-guide.com)

We also took advantage of Sarah having a few extra days off over the holidays to make a day trip over to the Sequim area and look at potential homestead properties. We had plenty of time so we ambitiously visited all eleven listings we have been loosely following online. It was a long, but fun day. We brought Kate, our four month old Border Collie, and she had the time of her life tramping through the wooded areas as we walked around the different properties. We found one we liked, sure it has it’s issues – there’s a reason why it’s listed so cheap and is still on the market. But it was kind of cool. It feels remote, on a hill in a very forested area, while still being close to services in the nearby small town. When we got home Sarah looked up the plat information and found everything she could about it online, including that it is adjacent to state forest land. We asked our realtor to follow up on it for us and tentatively scheduled a date with him to go back and look at it closer. Is it “The One”? Probably not, but it has potential. We figure the more we look at, and the more we understand the process, the better prepared we’ll be to make that final decision.

As I mentioned in my What I Did This YEAR To Prep post, my wife Sarah is my “biggest prepper asset”. You’ve seen her hand in every post I write because she sits down with me, after I’ve finished writing, and helps me edit it before it’s published. She’s a good writer with very strong technical skills (she gets it from her dad, CJ Booth, he recently published his first book, Olive Park). She and I talked, on our Sequim property search road trip, about the blog and we discussed her writing a post as sort of “guest blogger” (possibly even on a monthly basis). The more we discussed it, the more we liked the idea. Next Wednesday, the 50th TraceMyPreps post, Sarah will answer the question every prepper’s wife gets, “So what do you think about all this?”

What did you do?

(Monday: Product Review: Gerber EAB Lite Utility Knife)