Emergency Essentials: Financial Preparedness

The fine folks over at Emergency Essentials have a brief blog post on preparing to weather financial storms.

For those of us who are old enough to have experienced the Great Recession in our adult life, the thought of another economic crash occurring is a very real worry. Even the most prepared individuals felt the effects of a crashing economy in the years between 2007 and 2009. Some of us still haven’t fully recovered. Although the possibility of another recession is always in the air, unfortunately, most people are less prepared today than they were before the Great Recession began. If the economy were to crash tomorrow, could your finances survive?

If the answer is, “I’m not sure”, you should definitely continue reading. In the following post, we will present five questions to test your financial preparedness and help you to get completely ready for an unexpected economic future.

Do You Spend Too Much On Your Debts?

Truth is, many people are simply overextended with their debts, using their credit as a way to live beyond their comfortable means. Even in an economic recession, your debts will not stop and your debtors likely won’t “give you a break.” If you lost your job today, would you be able to afford your debts next month or would you suddenly find yourself having a hard time keeping up with your mortgage and car note?

Many financial consultants recommend a debt-to-income ratio of 1:3. This means that your debts should be equal to or less than 33% of your monthly income. This rule ensures that if you were to become unemployed today, you would still be able maintain your debts with only ⅓ of your current income.

What To Do About It

Assess your monthly debts and compare them to your monthly income. If your debt-to-income ratio is already lower than 33%, great, keep it that way. On the other hand, if you find that your ratio is higher than this, here is some advice:

  • Pay Down Your Debts: The most obvious way of decreasing your debt-to-income ratio is to maintain your income, while decreasing your debts. Examine how you spend your money each month. Identify areas where you can save money (eliminate or decrease cable services, etc.) and use this extra money to make additional payments on your debts. Every debt that you are able to eliminate equates to one less worry in the event of another economic recession!
  • Refinance for Better Interest Rates: High interest rates that you carry on your debts can add significantly to your debt-to-income percentage. Work on improving your credit so that you can refinance your mortgage and car loan debts for better rates. Speak with banks and other credit card providers to see if one of them will offer you a credit card with a lower interest rate than what you are currently receiving.

How Large Is Your Emergency Fund?

Unfortunately, for many people, the answer is “not large, whatsoever.” According to a GoBankingRates survey, 35% of all adults in the U.S. only have “several hundred dollars” in their savings account and 34% have no money at all in savings. It is generally recommended that you keep 3-6 months of income in your savings as a safety net, in case your income becomes restricted for any reason. While this is a great start, is it enough? The Great Recession lasted two whole years, and the effects, much longer. During this recession, many people found themselves without a job for much longer than 3-6 months. Some financial advisors, like Suze Orman for example, suggest an emergency fund equal to at least 8 months of your income.

What To Do About It…

Click here to continue reading at beprepared.com.


FEMA: Emergency Financial First Aid Kit (pdf)

Emergency Essentials: Financial Preparedness 101

MDT: Nuke Alert, “The 15 Minute Scenario”

Mason Dixon Tactical has a blog post addressing what to do in the case of a nuclear alert like Hawaiians experienced recently.

Nuke Alert, “The 15 Minute Scenario”

Alert Post01

By now we all know about the Hawaii false “Inbound Missile” alert that took place a week ago. I keep hearing the BS from the talking heads about “One guy pushed the wrong button.”, and “It was a complete accident.”, and none of use that know better believe anything they are saying. Brushbeater spoke about it briefly in this post. Here’s the thing to ponder, what if it was real? I’m not getting wrapped up in the political, misdirection BS being espoused, but what would you do if it was real? Where would you go?

Do you have the slightest clue how you would react, and is your situational awareness and training enough that you would immediately know where relative safety is (it honestly depends how close you are to the blast). Keep in mind that this post is about protecting yourself from the initial blast, not the fallout. Fallout/Radiation protective measures have been talked about here.

Here are three “area dependent” scenarios you might want to consider planning for.

  1. You are at home.
  2. You are driving through or at work in town.
  3. You are driving on the Interstate or in a remote area.

Before we discuss where you are, let’s discuss where the primary targets in your area might be. Two primary targets for a nuke would be a military base, or a large city. Once you’ve figured out where the target for the nuke might be in your area, you can then make an assessment of where you might want to position yourself in the area you have selected as an improvised blast shelter. This assessment would dictate that if you are in a building, you’d want to be on the side furthest from the blast, preferably in a basement. It also dictates that if you are in something like an end to end open drainage, the drainage needs to be perpendicular, rather than parallel to the most likely direction of the blast’s path.

1. You are at home. OK, do you have a basement, if so, are all sides covered by dirt (less chance of blast damage)? Protection in this situation is somewhat simple. Get in your basement, go to the side furthest from the likely target, and if possible, get under something like a table to help protect from falling debris. Another thought would be to grab that spare mattress that everyone seams to have in their storage area and place it on the side of the table closest to the direction the blast would be coming from. In the below video, Cresson Kearny discusses a basement shelter.

If you don’t have a basement, do you have a crawl space? If so, apply the directions for the basement, in the smaller area of the crawl space. If you have neither of these, apply whatever is more applicable from what is mentioned in either #2 or #3 below…

Click here to continue reading at Mason Dixon Tactical.

Yakima Officials Eye State Fair Park Buildings for Possible Medical Care in Case of Disaster

From the Yakima Herald

Yakima Health District officials are exploring the possibility of using State Fair Park as a medical care facility during a disaster.

The district is seeking proposals for a feasibility study of installing generators at the Yakima Valley SunDome, Pioneer Hall and the Deccio and Modern Living buildings, which would allow the facilities to be used as places to care for nonemergency patients if needed.

“The circumstances surrounding Rattlesnake Ridge show why planning is necessary,” said Health District Executive Director Andre Fresco, referring to the slow-moving landslide on the ridge near Union Gap.

 Fresco said that if feasible, the fairgrounds would be used as a place to take care of the nonurgent health needs of people displaced in a major disaster, such as flooding or an earthquake. The Health District is working with the Yakima County Commission, the county’s emergency management officials, the city of Yakima and the state Department of Health’s Disaster Preparedness Division on the proposal, he said.

The fair park is ideally located to serve as a place for nonemergency medical care in Central Washington in the event of a disaster, Fresco said.

Having generators is a prerequisite to being able to use the site as a backup medical facility, as planners would need to be able to provide heat and power in the event of a blackout, Fresco said.

The study is preliminary and will look at whether it is possible to outfit the buildings — some of which date back to before World War II — for emergency medical use, and how many generators would be needed to power the complex in an emergency.

It would not be the first time the fairgrounds was pressed into service in a time of emergency. During World War II, the fairgrounds housed a training school for military pilots and a factory for building Army trucks for use in the Pacific Theater.

 Greg Stewart, State Fair Park’s president and general manager, said fairgrounds in other parts of the country have been used as emergency shelters for people and livestock during wildfires and other disasters and that he welcomes the study.

“The fairground has been the salvation of many communities,” Stewart said.

UNL Extension Pilots Initiative on Youth Disaster Preparedness

From Tri-State Livestock News:

Nebraska Extension and Nebraska 4-H are piloting a national youth preparedness and educational outreach program designed to teach teens what to do in the event of disaster and emergency situations…

“Everyone can play a part in preparing for disasters and emergencies, especially teens,” said Ashley Mueller, disaster education coordinator for Nebraska Extension. “They bring unique perspectives and experiences when it comes to preparedness, and tapping into these can be very valuable to their families and communities.”

The initiative offers a flexible five to 10 week program. For the pilot, each state must graduate 125 teens by having them complete three components.

 In component A, teenagers complete the United States Department of Homeland Security/Federal Emergency Management Teen Community Emergency Response Team (CERT) training focusing on disaster preparedness, fire safety and utility control, disaster medical operations, light search and rescue, disaster psychology, and terrorism.

Component B features certification in CPR and AED usage, along with awareness programs focusing on HAM radio, NOAA weather radio, smoke alarm maintenance, and smart phone application and social media in emergency preparedness. The component also includes a disaster simulation, and a focus on public safety, fire service and emergency management careers.

The final element of the program, component C, includes a comprehensive family and community service project called “Prep + 6,” in which each participant helps develop emergency supply kits and emergency communication plans for their family and six additional families or households. This component allows for significant enhancement in individual, family and community preparedness and resilience.

MDT: Purpose Driven SHTF Planning

Mason Dixon Tactical has a new blog post up about practical preparedness planning titled Purpose Driven SHTF Planning.

So what are you planning for? Are you planning to “bugout” to the hills at the first sign of societal trouble? Are you planning to stand fast, and defend hearth and home against the entitlement zombie hordes? Are you planning to thwart the evil empire’s designs on your community, as a member of the militia? Are you basing your preps on some fiction or non fiction book you read that gave you an idea for what might happen? There are plenty of scenarios out there, some plausible, some, not so much, but the important things are these. 1) Do you have general. realistic preps in place. 2) Do you have a solid, well thought out and realistic plan to deal with the general and specific concerns you’ve identified. 3) Are you physically and/or logistically equipped and able to carry out the planned responses to these threats. We’ll talk about these three things in order…

Continue reading at MDT by clicking here

Brushbeater: Reveille in America

Another good blog post from NC Scout over at the Brushbeater blog.

First Call, Americans. Out of your bunks. For a good portion of you out there, a year ago you went to sleep. That attitude driven by a very real fear of government out of control over eight years produced diamonds. For many, it meant getting serious about preparing yourselves, family and neighborhoods for uncertain times. And then, you went to sleep. Your guy got in, and he’d make it all right. Everything would be fixed, time to rejoice and rest on those laurels. He’ll undo all the wrongs and the lever pullers of power would truly yield to vox populi. And then, you went to sleep…

Rekindle that fire you had a year ago. Your five minute breather is over. Pick up your rucks and start walking again. You don’t have enough food or ammo for what’s coming. Prep harder, train harder. Go back to your Churches. And while your at it, seek out training from experienced folks even if you think you know it all- because I promise you, that outside viewpoint or different opinion may make a big difference. You can’t learn it by only reading a blog; you have to go and do. Your enemy is training, and they want you dead. Reveille is sounding, American. Do you hear it?

Click here to continue reading at Brushbeater.

Distributed Security: Dissecting a Random Attack

From Ron Danielowski – EVP/Co-Founder/Chief Instructor, Distributed Security Inc., Dissecting a Random Attack.


Random attacks. Distributed threats. What’s the answer?

Regarding the recent attack at Inner Harbor (see the video here http://baltimore.cbslocal.com/2017/10/30/teen-attack-inner-harbor/) I decided to dissect some of the comments surrounding the incident. 

“Out of nowhere, they were swarmed and beaten by a large number of teenagers.”

Yep, that’s what all wise predators do. This isn’t new, as a matter of fact, it’s very, very old. This is such a successful tactic, everyone who wants to be successful in an attack will use overwhelming numbers to their advantage.

“They swarmed us,” said Stacey. “They hit my husband in the head. They knocked him out… and then it was just complete bedlam.” “And they punched my nephew in the face and knocked him to the floor,” Stacey said. “My sister went to protect her son, and they were kicking her.

Sounds like a successful application of the shock triad (speed, surprise, and violence of action)… again, nothing new here, the military uses this tactic extensively, as do all other combatant groups out there.

“I was knelling [sic] with my husband screaming ‘Somebody help us, why is nobody helping us?’”

Three reasons (at least) for this behavior i.) people have been trained to deign to authority, ii.) laws are written to protect the miscreants of society, iii.) most people don’t have the confidence (in their skills nor the ability to stay out of jail) should they intervene.

Want to be able to stop this at the source? Change the laws so that citizens can defend themselves against this kind of thing. It’s not rocket science and the average person can figure it out...

Click here to continue reading at Warrior Capitalist.

Shakeout! Oct. 19, 2017

Millions of people worldwide will practice how to
Drop, Cover, and Hold On at 10:19 a.m. on October 19* during Great ShakeOut Earthquake Drills!

Washingtonians can join them today by registering for the 2017 Great Washington ShakeOut. Participating is a great way for your family or organization to be prepared to survive and recover quickly from big earthquakes– wherever you live, work, or travel. Learn tips on how to get 2 Weeks Ready and craft your own emergency kits here. ShakeOut is also a major activity of America’s PrepareAthon!

Start here to be included in the 2017 Washington ShakeOut!

The Pacific Coast of Washington is at risk from tsunamis. These destructive waves can be caused by coastal or submarine landslides or volcanism, but they are most commonly caused by large submarine earthquakes.

Tsunamis are generated when these geologic events cause large, rapid movements in the sea floor that displace the water column above. That swift change creates a series of high-energy waves that radiate outward like pond ripples. Offshore tsunamis would strike the adjacent shorelines within minutes and also cross the ocean at speeds as great as 600 miles per hour to strike distant shores. In 1946, a tsunami was initiated by an earthquake in the Aleutian Islands of Alaska; in less than 5 hours, it reached Hawaii with waves as high as 55 feet and killed 173 people.

Tsunami waves can continue for hours. The first wave can be followed by others a few minutes or a few hours later, and the later waves are commonly larger. Washington Emergency Management Tsunami Program

The earthquake threat in Washington is not uniform. While most earthquakes occur in Western Washington, some damaging events, such as the 1872 magnitude 6.8 (est.) quake, do occur east of the Cascades. Geologic evidence documents prehistoric magnitude 8 to 9.5 earthquakes along the outer coast, and events of magnitude 7 or greater along shallow crustal faults in the urban areas of Puget Sound.

Washington’s earthquake hazards reflect its tectonic setting. The Pacific Northwest is at a convergent continental margin, the collision boundary between two tectonic plates of the earth’s crust. The Cascadia subduction zone, the fault boundary between the North America plate and the Juan de Fuca plate, lies offshore from northern California to southern British Columbia. The two plates are converging at a rate of about 2 inches per year. In addition, the northward-moving Pacific plate is pushing the Juan de Fuca plate north, causing complex seismic strain to accumulate. The abrupt release of this slowly accumulated strain causes earthquakes.
Earthquakes at Washington Military Department Emergency Management Division.

In Washington, earthquakes and landslides are the most likely sources of a tsunami.

The Pacific Rim countries have a history of damaging tsunamis caused by both distant and local earthquakes. Earthquakes have caused 98% of the world’s tsunamis with over 73% of these being observed along the Pacific “Ring of Fire”. For this reason, communities in low-lying coastal areas around the Pacific Rim are among the most at risk to tsunami damages generated from both local and distant sources that can strike within minutes to many hours.

Washington State Earthquake Scenario Catalog (Washington State Department of Natural Resources)

DNR Interactive Geology Portal (Washington State Department of Natural Resources)

The Seattle Fault – Beneath Largest City in the Pacific Northwest (2 minute Geology, from HUGEfloods.com Youtube Channel)

Tsunami inundation maps (Washington State Department of Natural Resources)

Tsunami Evacuation Zones (Washington State Department of Natural Resources)

Recent Earthquakes Map (Pacific Northwest Seismic Network)

Earthquakes in Washington (United States Geological Survey)

Christianity Today: How Churches Can Prepare for Disasters

An article over at Christianity Today, How Churches Can Prepare for Disasters, discusses the importance of emergency preparedness for churches.

Right now, churches across much of Texas are responding to emergencies, while churches across much of Florida are preparing for them. Below are practical steps churches and families can take to prepare for and respond to emergencies, and lessons from churches in New York and New Orleans who suffered through natural and manmade disasters.

What churches have learned

Right after 9/11, Redeemer Presbyterian Church in New York City was flooded with requests for help—and with generous gifts from all over to help meet those needs. Because their church had an organized diaconate with trained leaders, Redeemer was able to distribute assistance much more efficiently than groups arriving after the event. “We saw many other relief efforts spend a great deal of money on hiring new staff and renting office space—very high cost items,” says Tim Keller. This may be a good lesson to support existing churches and ministries when we can, rather than “build our own.”

One lesson Redeemer learned from 9/11 was to watch for burnout among their staff. “We did not recognize the danger as much as we should have,” Keller said…

Keith Collins, pastor of Lakeview Christian Center, realized how important their spiritual preparation was during and after that disaster:

“How helpful it was for the church to be ‘theologically prepared’ for suffering. Scripture presents to us a God who is sovereign over every detail of his creation, including the catastrophes, and that God is working all things for his glory and our good. One of the most encouraging things that I observed as a pastor was that in the midst of our people losing homes, businesses, and having to relocate, they weren’t walking around asking, ‘Why, God?'”

That kind of heart-preparation is vital. It will be even more important if God allows a much more serious disaster on American soil…

How churches can prepare

To begin, churches should encourage their member families to prepare, both for their own well being, and so they will be better able to help others, whether in organized church efforts or in their neighborhoods. As they prepare, churches can encourage members to store food, water, and other items to share with others, which could make an enormous difference if an emergency lasts for weeks or months…

Click here to read the entire article


Spiritual Preparedness for the Christian Prepper

Small Parish Permaculture

Southern Baptist Convention Church Preparedness document (pdf)

MVT: Tactical Preparedness vs. The Trump Slump

Max of Max Velocity Tactical writes this article about the importance of continuing your tactical preparations, even after a Trump victory.

It was reported to me that many businesses in the tactical and preparedness industry had bought in a ton of stock prior to the election, anticipating a Hillary win, and that they have been desperately trying to sell off that overstock due to the Trump win. It simply amazes me that people base a lot of their preparations on who occupies the White House, but it is a reality in ‘the business.’ A very odd way for people to make their knee-jerk ‘threat assessments.’ I took a different view, as a tactical training company – the election of Trump meant (to me) that I was not immediately expecting more anti-2A laws coming down the pike, which meant time to continue to build the business, and on a personal level, train and prepare. Because that is the key point – the election of Trump does not free us from the reality of ‘the collapse,’ it simply means that the current administration is not overtly hostile to gun owners and Liberty. A breathing space, nothing more. We still live in extremely uncertain times.

So what is it? Why did so many people appear to crawl back under the comforter following the Trump win? Those that had at least partially woken up to the need for tactical preparedness, in many cases, just went back to sleep. Amazing, and not rational. At MVT, we have a very active group of Alumni who return again and again for training; they have internalized the warrior ethos, and train to be prepared to defend their families. But we have noticed a distinct drying up of ‘new blood’ coming in to classes. It is definitely a phenomenon…

I know, I know: what we teach at MVT are true warrior skills, and not mere games at the range. I know that this fact in itself puts many people out of the demographic. But I am aware of that, and I know that most people are not warriors, they are not true protectors. They are fearful and weak. The people I am interested in are those with the courage to step up, identify the need, and make the commitment to get some real tactical training.

To read the full article, click here.

Bison Prepper: Four Storage

From Bison Prepper is this article on four storage plans.

I of course KNOW that all you ever hear from me is “buy wheat, and that’s it”. Okay, that’s not entirely true. If you read the entire last ten years of blog posts I’ve covered plenty of other storage foods. It just seems like all I ever discuss is wheat and wheat accessories. I’m SOOO sorry I’ve focused on the most inexpensive food which is also the healthiest for you. But real Christian Militiamen don’t eat wheat.   Wheat is for peasants and besides they have their own freeze dried machine ( that never works and must be hacked and requires a direct line to the companies Help Desk which is all anybody could ask from a unit costing four grand ). And do you ever see wheat being advertised on your favorite Yuppie Scum Survival Site? Just saying.


So now, I’m going to discuss the four completely different food storage plans. Not a “wheat only” or a “MRE/Freeze dry only” plan that is supposed to be a One Plan Fits All Scenarios. Four separate storage plans for four phases of our collapse. The first is the Budget Plan, which is just buying whatever you like that goes on sale. This is for drastically reducing your food budget. The next is the Inflation Plan, which is just really an extension of the Budget Plan but different in that you are stocking the complete menu you normally follow. The aim is to have weeks or months worth of a complete diet so you can then relax and keep expanding it cheaper. The Inflation will merge into the Budget while reducing your regular price items. The Bug-In Plan is the foods requiring little to no cooking for the times you are bugging out or bugging in under noise/light and smell discipline ( the aforementioned MRE/Freeze Dried ). Last is the Mostly Just Wheat menu which is the Collapse Plan. None of this is new or unique, the point is to approach food storage as separate needs and focuses.

Click here to continue reading.

Suidlanders to Speak in Prosser, May 2nd, 7pm

Representatives of the South African Suidlanders group will be speaking on Tuesday, May 2nd from 7:00 pm – 9:00 pm in the Jordan Hay shop at 22202 N Hinzerling Road, Prosser, WA.  All are welcome to come and listen to their story. Please bring any friend whom you believe may be open to their message.

The Suidlanders are an emergency plan initiative officially founded in 2006 to prepare a Protestant Christian South African minority for a coming violent revolution. They are non-aggressive and legal in their preparations; constituted lawfully under the Geneva Convention, with particular reference to Protocols I & II of the Protocols Additional, for the protection of non-combatant civilian Afrikaners (women, children, the elderly and the non-able bodied) in the event of a civil war. They are primarily a Bible believing Christian conservative group, calling on their members to personally prepare for an emergency situation like major civil unrest. Their representatives have recently been traveling across the United States in order raise awareness of the issues they are facing in South Africa and recent escalations of tensions there. Government officials of the ruling ANC party have been caught chanting “Kill the Boer” while other leaders have openly threatened outright slaughter of white Afrikaners.  Accordingly, Genocide Watch has placed South African whites on their list of groups vulnerable to genocide.

For more information about the Suidlanders group, please visit their website at https://suidlanders.org and http://southafricasos.org/ or listen to the recent interview done by John Jacob Schmidt of Radio Free Redoubt by clicking here.