Monday, February 22nd, 2010
This 100+ page emergency and disaster preparedness guide will get you started on your way to developing and implementing your own survival plan.
The guide covers everything from actions to take in given situations, to developing a "place of action" for survival situations.
- Learn how to build wilderness shelters,
- acquire food and water,
- first aid and more.
One of the most comprehensive guides available in an easy to download format. This guide also includes checklists and recommended courses of action.
Tags: disaster checklist, disaster preparedness, Emergency preparedness, natural disaster guide, Survival Guide
Posted in Food, Medicine, Shelter, Water | Comments Off
Thursday, December 18th, 2008
Even today, while we are in the midst of the worst real estate crisis to hit the world in close to one hundred years, people still feel relatively secure about their shelter or home or town home or condo. In preparing for the global depression, we need to look at things a bit more realistically.
Ask yourself these questions and consider your true relative security in your choice of shelter or your shelter options:
- Do you own your home outright?
- Is your mortgage paid off?
- If you lost your job today, could you continue to make your mortgage payment?
- If you lost your job today, could you continue to pay your property tax?
- Could you pay your property tax bill, if it increased ten fold(for example if the local economy sales tax based collapsed).
- Do you live near a large population center?
- Is your home in the center of a large population center?
- How much has crime increased in your area in the past during increases in unemployment? What might crime against property look like with unemployment levels twice what we have seen historically?
- Have riots been a factor in your area in the past? Riots in recent history have been more likely to occur as the result of racial tensions, but during a depression, a financial collapse knows no color. While unemployment rates for minorities do tend to increase faster, it could also be a misconception to think that minorities might riot first in a depression. In some regards, people that are already poor may be better equipped and prepared to handle a depression. Regardless, do not make the mistake in assuming that anyone can handle a depression well, we mention these items here only to illustrate that situations will be volatile and there will be no stereotype and likely no historical correlation either.
- The subprime mortgage melt down was triggered largely by loans that went into default 2 years after they were written (the peak for sub prime mortgages sold in 2005 and defaulted typically in 07 and 08). Alt A and 3 to 5 year ARMs are just starting to reset interest rates on these mortgages, which are raising home payments for Americans. Many of those Americans have homes that are or will be underwater (their home has a value lower than the amount they owe on their mortgage). The subprime mortgage melt down has taught us that people that are underwater do not pay their mortgage.
- Do you rent a home, condo, or apartment?
- If you rent, is your landlord paying their mortgage on the property you live in? People in the Chicago area are being evicted even though they have made their rent payments on time. Unfortunately, their landlords have been forced to rent these properties out at rates that are set by very low market prices and those market prices are below the mortgage prices. They are forced to either rent at below the mortgage level themselves or not rent at all.
- If you lost your home or apartment today, where would you take your stuff? Do you have a storage plan? Do you have vehicles available to move your belongings to a safe area quickly?
- If you lost your home or apartment today, where would you and your family live?
- Would your children be able to attend the same school or would they have to change schools?
- If you moved in with close family members, do they live in a home or apartment that has a safe mortgage? Could you afford to help them out, paying part of their mortgage?
- Do you have a PO box to forward your mail towards if you lose your home? If you do have to leave your home make sure your mail is forwarded to a safe place where your personal information will be safe. Forwarding mail only lasts for 6 months, so proactively get your addresses changed after the move.
- Do you know how the bankruptcy laws in your state work? If you lose your home and you are forced to move, consider moving to a state with more favorable bankruptcy laws, such as Florida, but beware there are laws in some areas that prevent bankruptcy carpet bagging there may be a time limit that you have to survive before you can file for bankruptcy and that time limit can be as much as 2 years.
These are just some things that you should consider. This list is designed to get your brain working so that you can start conceiving a new financial reality for yourself such that you and your family might survive the global depression.
Tags: apartments, ARMs, bankruptcy, bankruptcy carpet bagging, favorable bankruptcy laws, global depression, mortgages, renting, shelter
Posted in Shelter | 2 Comments »