What if the Disaster was: No Money Available?

We strive to be prepared for upcoming struggles and/or disasters — big and small. We talk about food, water, shelter, security, energy, and hygiene but we don’t seem to talk a lot about money.

Woman Having Credit Card DeclinedRecently a friend had her bank account frozen. Unbeknownst to her there had been a legal judgement against her and her bank account was to be garnished. She first became aware of this when she went to use a debit card and it was declined. She knew there was several thousand dollars in the account. When she checked her account status on line she found that her money was unavailable to her and the only explanation given was “We have been instructed by legal order to place a hold on these funds.”

Sure in this day and age of credit card visa-declinedcornucopia that many of us carry in our wallets, no big deal — just use another card. But that’s not the point, the point is HER money was unavailable to HER. No notice, no warning, nothing. Whether it was a legitimate or illegitimate reason doesn’t matter to her when she needed to access the money she had placed in the account from her paycheck. Hell, it could have even have been a mistake, but the money still wasn’t available.

I’ve written before that we know that we have basic needs, and that we need them everyday “…but most of us are dependent upon systems beyond our control to supply them for us. We also know that those systems have and will again fail. So if we know we need them why not plan ahead and have extra on hand…?”

Doesn’t this also apply to money we have in the banking system?

It could be a legal lien, a mistake, a bank failure, or even just a relatively long-term wide-spread power outage. Whatever. But if the money that you have in the bank isn’t available to you, it’s a big deal. Sure the problem will likely be resolved soon, within a few days or a week at most — can your family make it that long without access to your bank funds?

There will be those who argue that in a collapse money won’t even have value and won’t matter, and I agree that is true in a complete collapse. But we prepare for the most likely disasters first, and being unable to access your bank funds is more likely than an EMP going off and destroying all electronics and the electrical grid.

I’ve given some thought as to what our family can do (and in some situations already does) to prepare ourselves for this “disaster” / this short-term SHYF (shit-hits-YOUR-fan) situation:

  • have cashHave cash in a secure place at home. You’ve heard it before, but have enough cash readily on hand to cover your family’s expenses for at least one month, preferably three (with a goal of six).
  • Carry cash in your wallet. An extra $100 will allow you to maneuver around most short-term situations and allow you to get back home.
  • Carry more than one credit/debit card, and be sure they are from different financial institutions. Sometimes mistakes happen and credit cards get declined or just don’t work, if you need to use a card to pay have a back up just in case. (see Repetitive and Redundant x2)
  • Consider having small individual accounts for both you and your spouse with some extra money. That way if only one of you is targeted by a legal lien, or a mistake, there will still be banking funds available.

Plan ahead. We know we need, and use, money on a daily basis. Have a back-up plan for what to do if your normal routine fails.

 

Momma Bear’s October Preps

Although October’s weather has been mild and the leaves are just barely starting to come down, it feels like THE SKY IS FALLING! After an exceptionally warm and dry summer, the acorns are dropping in record numbers. (I learned that this will lead to next summer having a mice and deer population boom (due to the surplus food), followed by an overabundance of ticks that live on them.) I felt this was a good time to study up on acorns as a food source. Acorns, like other nuts, are surprisingly nutritious and containing protein and “good fat”. Acorns do have high quantities of tannins, which make them bitter and somewhat inedible as is, but these tannins can be removed with repeated boiling. The acorns can then be roasted and ground into a meal to be used in place of, or with, flour. You can even make a coffee-like substitute. Acorns are best stored as nuts, and then processed throughout the winter as needed, because the ground meal has a short shelf-life due to the high fat content. Fall is a great time for gathering “natural produce” from your local surrounds. If you are unfamiliar with wild edibles, look for a local class offered by an expert. Here are my links to: acorn processing (with recipes) and a local nature hike for wild food identification.

The HAM radio class has been…interesting. No, I am not going to lie, it’s HARD! This class is put on by the local HAM radio club, using approved slides by the American Radio Relay League (the people who license you). BUT, what they don’t tell you is that this book/class/test has almost nothing to do with how to actually operate the radios. It covers the laws of usage, and the how and why of the science that make these radios work. For anyone who doesn’t have a science or electrical background, or who has been out of school for a long time, this is some hard stuff! There is nothing in the book or class that will teach me how to actually dial in and listen to people broadcasting, let alone how to actually broadcast myself. My class ranges in age from about 12 to 70 years old and we are all pretty much shaking our heads. Once we finish the class and take the test we will be licensed, but we are all going to have to join the club to get mentors to teach us how to actually operate the radios!

In the last month my husband and I attended our first of two gun shows together, and took our concealed carry class. If you have never been to a gun show before (my husband had not), I describe it as “Bubbas, Bellies & Bullets”. They have so many rows jammed with tables that I literally had to squeeze in between all the big bellied bubbas to even walk. As a Marine my husband is familiar with a number of interesting weapons, but he had never seen so many interesting people in such a confined space. I finally explained to him that gun shows are to the NRA what ComiCon is to gamer/sci-fi nerds. Gun shows are the ultimate showplace for our right to bear arms. We spent our time at each of the shows looking at smaller handguns that I could use for concealed carry. What I discovered was that the bursitis in my elbow prevents me from comfortably holding any weapon over about 1.5 lbs., thus limiting my options. Like everything else, we will be taking our time, heading to the range to try them out, to find just the right weapon.

What did you do to prep this month?

What We Did This Week To Prep 5/4/12

Our greenhouse is up and running. All of the seedlings are out there enjoying the available sunshine while being shielded from the wind, elements, and most of the cold. The plants seem to be doing well. Sarah went out and transplanted the sprouts from the small starter containers into larger ones to allow them to have their own space and grow larger and stronger. It’ll be interesting to see how big the seedlings get before we put them into the ground mid-June. When it comes to gardening–including maximizing our greenhouse–we’re still learning so much; someday this will all become routine, but we’re still a long way from there.

Recently, on The Survival Podcast (TSP), Jack interviewed ‘Joe Nobody’ (TSP episode 881). Joe is a former military man with extensive security expertise. I was skeptical when I first heard about the interview thinking him to be “one of those guys”. But I was impressed with his logical reasoning and common sense approach to security, both personal and property. I bought two of his books after hearing the interview: a how-to book, Holding Your Ground – Total Defense and his first novel, Holding Their Own – A Story of Survival. I’m almost done with the novel and I’ve looked through Holding Your Ground and I’ve enjoyed and am impressed with both. While we discuss security as one of our basic needs, Joe takes it to a whole new level. Will a collapse/SHTF event happen on a level that these types of security skill-sets will be necessary? I don’t know, probably not in the way they are portrayed by Hollywood or even in Joe’s novel. But could we have a couple of weeks of chaos and local anarchy? Yes we could, and that is far more likely. While we know we need to eat, drink, have energy and be sheltered on a daily basis (and those should be our top priorities), security needs to be part of any plan you develop for your family or group. Personally I am expanding our family’s security plan, and adding equipment, based on his advice.

Sarah recently bought us Storey’s Guide to Raising Rabbits – Breeds, Care, Facilities. It will provide us with information on all things rabbits. It also has some good plans/ideas for hutches, I already have most of the needed materials in the back and now that the greenhouse is done that’s the next project. We have also found Rise and Shine Rabbitry (the link can also be found on my blogroll) to be a great resource; Rick Worden has put together extensive, usable information there and he also puts out a lot of good information on his facebook page.

What did you do?

 

 

Gun Show Review

of the Washington Arms Collectors’ Gun Show at the Western Washington Fairgrounds
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Washington Arms Collectors sponsor gun shows at the Western Washington Fairgrounds, in Puyallup (which is only seven miles from our home), Evergreen State Fairgrounds, in Monroe, and at the King County Fairgrounds, in Enumclaw. Annually, in Western Washington, there are about twenty gun shows. This is the fourth time I’ve gone to show here in Puyallup.

The Washington Arms Collectors is a membership organization, affiliated with the NRA. Their shows are open to all, admission is $9 and parking is free. But to buy or sell firearms you must become a member. An annual membership is $35 (admission is free to all shows with a membership), and the application must be accompanied by a Concealed Pistol License (or other approved firearms license) or you can pay $12 for an instant background check. You can get a membership at any show.

Sarah and I went this past weekend. This was her third show, we enjoy going and spending the time together, and she learns more each time she goes (whether she really wants to or not). It’s an interesting place, with lots of personalities–all the stereotypes–but mostly good, hardworking, honest gun enthusiasts. It’s fun to go and browse the huge display hall filled with table upon table of merchandise.

Of course there are guns, lots and lots and lots. Everything from the most current semi-automatic rifles, to bolt-action, to lever-action cowboy-style carbines, shotguns, more handguns than you can count, custom firearms, and even collector’s pieces.

Then there are the gun accessories, every type of holster, magazine, part, upgrade, carrying bag, or specialty item you could want; if you can’t find what you want you can probably find someone to make it for you. Literally tons of ammo, from specialty rounds to bulk sales; they have the best prices on ammo I’ve seen, including online, in part because there’s no shipping. There is also a large variety of knives, from the cheap $10 ones to custom-made blades and sheaths. The experts there are willing to answer any of your questions and are happy to give you their opinions and advice on pretty much anything.

Since this is the first time I’ve been since I started the blog, I paid closer attention to the ‘non-firearms’ related tables – instead looking around for the prepper-type items that were available. There were definitely plenty. Shelf Reliance Thrive Foods had a large booth, offering bulk and individual items, even giving out samples of their LTS foods (though I don’t own any Thrive products, I’ve heard them referred to as the best tasting LTS foods). GettingPrepped.com had a nice booth advertising classes on emergency preparedness, carrying the Wise Foods brand of LTS foods, Berkey Water Filters, and food storage containers. There were tables full of books; books on pretty much any topic related to firearms or prepping/survivalism. There were first-aid medical supplies, bags, books, shears, suture material, bandages, and complete kits (we bought some QuikClot, that I’ll cover in a future post).

If it’s part of the firearm, knife, associated accessories, first-aid, and/or prepper/survivalism venues it was probably there. Good people and much to see make it a fun day to just wander and browse; if you’re willing to search diligently, and negotiate wisely, you can find some great deals.

(Wednesday: New guest blogger, The City Cousin (aka Shawn) will write about how he preps living in the big city in a small apartment. This, Part 1, will be an introduction to Shawn and his viewpoint on prepping.)

Note: All of the pictures in today’s post were taken from internet images, no pictures are allowed to be taken inside of the Washington Arms Collectors gun shows.

My Everyday Carry (EDC)

But I Have One In My Bag…

Just as you can’t choose your disaster, you can’t choose where you will be when that disaster (big or small) strikes. Best case, you’re at home with all your preps (and your family). Not quite as good, but being in the car with your well stocked BOB* isn’t so bad. Even if you’re at work, with your smaller but well equipped get home bag (GHB), you’ve got a lot of what you need. But what if you can’t get to your supplies? You could be at dinner, or a movie, or shopping or whatever. What do you have with you?

Everyday carry (EDC) is as simple as it sounds. What you carry in your pockets and/or in your purse, everyday, all the time. Sure, if you’re wearing your coat you could carry more, or if you had your backpack you’d have more, if you weren’t dressed up you could carry more. Lots of IFs. But if you were to empty out your pockets/purse right now, what would you have?

Here is a list of items I believe you should consider carrying:

    • knife. As my grandfather used to say, “there are things that can very easily be done with a knife, that are very hard to do without one.” I believe a knife, even a small one, is invaluable to have. It’s a useful tool and it’s a defensive weapon.
    • flashlight. There are very small ones that are easy to carry. If suddenly you’re in the dark they make a bad situation no big deal.
    • lighter. The ability to make fire in an emergency, for warmth, light, or signal can make any disaster better.
    • multi-tool. They can contain: pliers, screwdrivers, knife, saw, can and bottle opener, scissors, and file. Leatherman did it first, but now there are many brands out there.
    • whistle. It gets everyone’s attention and carries a long way.
    • tape. 20 inches of duct tape rolls up to  the size of a chapstick. Used for impromptu repairs or bandages.
    • cordage. Some type of simple cord: parachute cord, tarred twine, even picture wire. Something that’s light and easy to carry, but strong. Yes, your shoelaces could be used in a pinch, but then you don’t have shoelaces…

Things you can/should easily keep in your wallet:

      • cash. If the power is out and/or ATMs and credit cards won’t work, cash will.
      • list of important phone numbers. If your cell phone doesn’t work, or is lost, how many of the numbers you may need to call have you memorized?
      • AAA card (or other roadside assistance). Of all your preps, this is one you will very likely use.
      • band-aids. They take very little space and you’ll be glad to have it when it’s needed.

Personal defense:

      • pepper spray. I’m a big advocate; it allows you to deter and get away from almost all confrontations.
      • kubotan. Or similar small impact weapon. Attached to your keys and held in your hand it is an effective weapon.
      • keys. Your keys themselves can serve as a weapon if necessary.
      • handgun. Carrying a firearm is a personal decision. I believe it’s a good one, if you have the right training and motivation. Check into your state’s concealed carry laws to find out what is required. But if you chose to carry a handgun I would still carry pepper spray, it gives you a less lethal form of self-defense.

Final one: Cell phone. We depend on our phones for many additional things: entertainment, internet, camera, flashlight, music, contact list, clock, notepad, etc. In a crisis, you need to save the battery. If your plan is to use the phone as a flashlight, a clock, or music/entertainment to pass the time – remember the battery is finite and you many not have a chance to charge it again soon.

All this being said, people can and do get carried away with their EDC (there are forums threads dedicated to it, including on TSPs). Think about what you want/need to have with you, and find a realistic way to carry it. Also remember the most important thing is the knowledge to use the items you have, and to improvise if you don’t. As Jack Spirko, of The Survival Podcast, said, “How you think is more important than what you know. What you know is more important that what you have. What you have is more important than what you don’t have.”

(Wednesday: Let Me Find Something To Write On)

*For my list of abbreviations and other information, open the above ‘Check Here…’ page tab.

What I Did This Week To Prep 12/2/11

We planted our winter compost crop seed mix this week. The seeds arrived last week (from Bountiful Gardens), but because the ground was frozen we had to wait for warmer weather. There is a mixture of vetch, wheat, and rye, and then the fava beans are planted separately. We’ve never done this before and are not exactly sure what to expect. Will it look like just a bunch of weeds growing? And it seems strange to plan to grow stuff, just to cut it down and leave it in the dirt. I understand the concept and the experts say it’s a good idea, so the only way to fully understand it is to do it. We also sprinkled Dutch White Clover seeds on the backyard areas with less grass which, hopefully, will expand throughout the yard.

Shooting real firearms in suburbia isn’t very convenient, plus winter is frequently cold and wet when you go to the range, and ammunition quickly gets expensive. So I’m going to try using airsoft guns as an alternative way to practice and teach shooting skills. I got the idea from listening to Jack Spirko’s TSP, Becoming a Better Shooter and Trainer with Airsoft Guns (Episode 671). Last week Ryan and I went and bought a Crossman Air Mag C11 CO2 pistol, a box of CO2 cartridges, and a 2000 pellets (total cost less than $100). We came home and built a frame (8 1/2 by 11 inches), with a plywood back, lined the inside with a towel (to absorb the impact and prevent ricochet), and tacked up a normal piece of paper with a target drawn on it. We hung it on the wall and paced off ten feet. Sarah, Ryan, Alison, Emily and I took turns shooting in our custom indoor-range. I think it will be a good cost and time-saving, teaching and practice tool. Of course it’s not the real thing, but it’s the right weight and size and it allows you to practice: stance, grip/hand placement, sight alignment and sight picture, and trigger control. About the only thing missing is the loud “bang” and recoil. I’m excited about this new training venue. Once we get our skills up to a good level, we can–since it’s not a real gun and can be shot in the house–practice some “what if a stranger breaks into the house” scenarios. I think this will be a good winter activity that will allow any and all of us, who want to shoot, to have almost unlimited practice.

December 1st was yesterday. 2011 is almost over. Now is the time to reflect on our 2011 goals and either hurry up and finish, or revise as necessary. My post the last Friday of this month/year will be: What I Did This Year To Prep. Then, in early January, I’ll write: Goals For 2012. I’d encourage you to reflect back on this year and start thinking about your goals for next year.

Lastly, I wanted to link to some follow-up information regarding antibiotics in our long-term preps. From The Doom and Bloom Hour blog with Dr. Bones, a medical doctor, and his wife Nurse Amy, a Nurse Practitioner: Antibiotics And Their Use In Collapse Medicine, Part 1 and Antibiotics And Their Use In Collapse Medicine, Part 2. I applaud this couple for their diligence and determination to share life-saving material about collapse medicine. It is difficult to get good information on this topic and they are my top resource.

What did you do?

One Man’s Tool

…could be another man’s weapon, or different kind of tool.

I was recently reading over a BOB list put together by a co-worker of Sarah’s (it was distributed for September National Preparedness Month). We preppers frequently look at others’ lists and compare them to what we have ourselves. As I read it through, I mentally checked off each item he listed thinking of the equivalent I had in my bag. At the end he mentioned that he keep all his stuff in a pack near his garage door, except his crowbar which he kept under the bed. Crowbar? I don’t have a crowbar. And under the bed? Oh, he’s keeping it there as a weapon…

The crowbar, in it’s current form, has been documented since the 1400s. Also known as a wrecking bar, pry bar, or by the British as a prisebar.

I decided a crowbar would be a good idea. So a trip to the hardware store and $15 later I had a 30 inch iron crowbar for my BOB.

Since we have to be prepared to carry our BOBs, it is helpful if the items we bring along have multiple uses. A crowbar can be used:

  • as a lever to move heavy items
  • to pry things apart
  • to open a damaged car door
  • to open a house door or window
  • to safely break glass
  • as a support anchor
  • as a leg splint
  • as a cane
  • to remove nails
  • as a hammer
  • as a pick axe
  • to break the hasp on a padlock
  • for smashing things

Or as a weapon. I’m not wanting to advocate or predict violence, but desperate times frequently bring out the very best or the very worst in people. I see the crowbar as a defensive weapon, holding it in two hands across your body with the curved portion on top in your dominate hand. It can be used to defend against other blunt weapons, punches, or to create a physical barrier. Offensively, if necessary, holding it the same way and striking with the curved portion using the straight end for a follow-up strike. I would avoid using it like a baseball bat because it’s heavy to swing around, and the momentum could throw you off-balance and out of position. Likely it’s just going to be a psychological weapon. If you’re standing there empty-handed, you look vulnerable; if you’re holding a relatively large crowbar, not so much.

Weight is it’s biggest disadvantage. Five pounds may not seem like much, until you have to carry it in hand for any distance. Strapping it to a pack is an option, but it’s not as accessible. I’d happily deal with the extra weight in an urban setting where I felt defenseless, but in a rural area–especially if I needed to walk for long–I’d likely leave it behind.

The humble crowbar, a tool of many uses – something I hadn’t thought to add to my kit, and now wouldn’t want to do without.

(Wednesday: Soap and Water)

No, You Can’t Take It

five basic needs: 1) food, 2) water, 3) shelter, 4) SECURITY, and 5) energy

Security is the degree of protection against danger, damage, loss, and crime.

There’s a story of a prepper moving into his new home. As he’s unpacking all of his preps and food storage in his garage the nosey neighbor wanders over, looks at all stuff and ‘jokingly’ says, “If the shit ever hits the fan, I know who I need to come and kill.” The prepper looks at the neighbor and says, “That’s too bad. Before you said that, I would have shared with you if you were in need.”

Now that we’re starting to build our preps, what do we need to do to keep them secure? It’s a tough, but real question. There are people out there who’s shit hits the fan (SHTF) scenario is to take others’ stuff by force (“I don’t need to store food, I just store ammo”). To share, or not, is a personal choice; however, the decision is one you should be allowed to make, not forced into.

Our neighbors and those around us know that we’re preppers. They see into our garages; they hear us discuss our projects and stores. Some in the prepper community express concern about others ‘knowing too much’; but I believe, with the appropriate caution, we should share our knowledge and set an example, and build community around us.

“When seconds count, the police are only minutes away.” Lack of water kills us in a few days; lack of security can kill us in seconds.

Security involves many technical skills: personal defense, weapons, firearms, and first aid. Almost all require some degree of initial training, and then continuing education to maintain proficiency. It encompasses a lot of things viewed as the ‘Cool Guy’ exciting stuff. Many of us, myself included, enjoy training in personal defense, shooting guns, or learning to treat a trauma wound. But these skills become very serious when lives depend on them.

Being aware of your environment and actions is also a big part of security. Know who’s around, have escape routes in mind, look for potential weapons. Do what you can to avoid dangerous places and situations. Frank Sharpe Jr., of Fortress Defense, teaches “We don’t go to stupid places, with stupid people, and do stupid things.”

In addition to the practical skills, there are the moral aspects. While most would agree with defending yourself, and others around you, what about defending your ‘stuff’? Where is the line, how much of your preps (‘stuff’) can you lose before that loss threatens your life?

The Second Amendment affirms our right to “keep and bear Arms.” Firearms ownership in the prepper community is overwhelmingly approved of and encouraged. I believe firearms should be a part of your preps. But everyone must decide what is appropriate for them. If you do choose to use firearms, ensure you have the proper training in safe use and handling.

Whether you choose to use firearms or not, I also highly recommend carrying pepper spray on a daily basis. It’s a non-lethal option that is easy to carry, requires no special training, it’s inexpensive, and very effective.

And finally, first aid training–to keep us secure if/when someone gets hurt– is a topic near and dear to me. After working as a paramedic for almost 10 years I appreciate what can, and can’t, be done.

Firearms, other weapons, and first aid will be the topics of future posts. At this point I simply want to raise awareness. As we strive for self-reliance we know that systems fail–especially in disasters. It is up to us to protect our five basic needs, our homes, and our families.

(Friday: What I Did This Week To Prep)