Author: cityprepping-author

  • Marti’s Corner – 111

    Marti’s Corner – 111

    Hi Everyone,

    You should have a plan for what to do without electricity for an extended period of time – whether it’s rolling blackouts (like we have here in California) or an accident where the power is knocked out (a natural disaster), or any other incident where you would lose power for a day or more.  Plan now.  

    You will probably lose the food in your freezer.  Can you preserve this food now to prevent that from happening?  Do you have a way to “can” this food without electricity?  

    You may want to invest in a few “off-the-grid” solar panels.  This company is reliable.  You can get everything you need:  Renogy 800 Watt 12V/24V Monocrystalline Solar Premium Kit w/Rover 60A – TinyHouseEssentials  The company for the solar panels is Renogy.  They have a warehouse in southern California and can set you up.  The system you see here has 8 panels.  You can get smaller packages.  The thing you need to know about solar is that it only generates electricity in the sun, so you need batteries to store the electricity.  Also, it generates direct current, and you need a converter to change it to alternating current so you can plug in your refrigerator or whatever.  It can be complicated worrying about “watts” and such, but I wanted a few panels for my wheat grinder (have you ever tried to do this by hand??? HA!  What a joke!!!), Craig’s power tools, and maybe the sewing machine.  If the blackout were only for a day or so, I could use the panels to keep the refrigerator running.

    The reason I was thinking about this week is that an article came up in my feed:  US Heading Toward Power Grid ‘Reliability Crisis,’ Energy Commissioner Warns.  We don’t need to be Chicken Little, but we should be cautious and prepare for the worst.

    We decided to empty some of our 55-gallon water drums and refill the water.  I had three pumps that I specifically bought for this purpose.  NONE of them worked!!!  Ugh.  Then Craig found an electric pump, and the water just TRICKLED out!  Ugh again.  Finally, we just tipped them over (THAT was a trick) and let the water run out.

    Drum Pump

    The good news is that after 5 years, the water was clean and clear!  The bad news is that we need a pump we can rely on.

    I’m pretty sure we used to have this one:  55-Gallon Drum Heavy Duty Barrel Siphon for Drinking Water Hand Fuel Pump, but I couldn’t find it anywhere.  If anyone has a pump they use a lot and really like, let me know, and I’ll pass that information along.

    I’ve been watching videos on YouTube by Wicked Prepared.  She has several videos on Emergency Meal Kits.  She has a lot of good ideas and introduced me to some products that I’d never seen before.  Things you might want to put in a 72-hour kit.  Although a lot of her meals have canned food (which can be heavy), each “bag” will feed your whole family.  So you could have a 5-gallon bucket with several family meals as part of your 72-hour kit.  Some of her meals require no water, and no cooking.  Some require a little cooking (which you should plan for anyway!!!)

    5 Emergency Meals for SHTF- A Stress-free way to feed your family when the grid goes down! – YouTube

    GARDEN HAPPENINGS:

    The garden is great!  I have little green tomatoes starting to appear.  The carrots that I planted in November hardly grew at all over the winter.  They are still short and stubby, and most of them are forked.

    I have baby cucumbers. I have two pumpkin plants that are really taking off, which is good because last year, all my pumpkins died.  

    One pot of green beans is up and starting to get secondary leaves.  In the other pot, only one bean came up.  So???? It looks like some were eaten, and the others just didn’t come up, which is weird because it was the SAME packet of seeds!!!

    My lettuce is producing again, and I’m getting a huge bag each week!  Yay!

    I have 5 blueberry bushes, but only one has berries.  There is still time.  And some are only newly planted.  Maybe next year…

    My blackberries are all flowering.  Blackberries can get out of control if you are not careful.  

    I’m hoping the weather will warm up a little for the peppers and tomatoes and that we don’t jump from the 60s into the 90s!!!!

    THIS WEEK’S PURCHASE: vegetable oil

    I hope you stocked up on cans of tomato sauce when I suggested it a few weeks ago because I noticed at Winco thatOil the prices have increased from $.69 a can to $.85 a can.  

    This week, pick up an extra bottle of vegetable oil or olive oil.  Name brands are over $4 for the 48-oz size, but the “off-brand” is still under $3.  Put the date on it and keep it in a cool place.  I just opened some olive oil that says May 2012 on the top.  It is not rancid!  It smells and tastes fine.  My motto is I NEVER throw anything away unless I’ve opened it and smelled it!!!

    You probably should pick up an extra can of shortening as well.  I don’t use shortening too often, but it’s great for biscuits, pie crust, snickerdoodle cookies, and chocolate cake!!!  

    MISC. PURCHASE: feminine supplies

    I promise you, you do NOT want to be without this!!!  But you have to date them and rotate them.  Over a period of time, they will lose their ability to absorb.  Also, something you do NOT want!

    Now, at my age, I no longer need them, but I keep a box of sanitary napkins in my first aid kit.  They are great for soaking up blood.  You can vacuum seal them and make them super flat, so they fit in the kit better.

    Especially if you have daughters who might need them in the next couple of years.  Get some now.  Keep some in the car.  It’s just a good thing to have.

    FOOD STORAGE RECIPES:

    Honey-Oatmeal Bread – makes 2 loaves

    I like this recipe because it uses what we have stored!  

    If you have never made bread, make it a goal to try it this summer.  NOTHING tastes as good as hot bread right out of the oven – with butter and jam or honey!

    • 1 c. rolled oats – Place oats in a large bowl
    • 2 c. boiling water – pour over oats and let stand until lukewarm (about 20 min)

    In a small cup, dissolve 2 TB yeast in 1/3 c. lukewarm water

    In a separate bowl, sift together

    • 1/2 c. powdered milk
    • 2 tsp salt
    • 6 c. whole wheat flour

    add dissolved yeast to cooled oatmeal and let stand for 5 min.

    Add

    • 1/2 c. honey
    • 1/4 c. oil to the oatmeal mix and then add in the flour mix.

    I like to let this sit for a while so that the wheat flour can absorb the water.  

    Then knead for 5 min.

    Let rise until double (there are tricks to this, so look it up on YouTube and watch someone!)

    Then knead again.  Shape into 2 loaves (also a trick to this)

    Let rise in well-greased loaf pans until it reaches to the top of the pan.  Bake for 1 hour at 325˚.  Turn out and brush with butter.

    Variations:

         Potato water may be used instead of plain water

         Add 1 c. raisins or 1 c. marmalade and reduce honey to 1/4 c.

         Add 1 c. cooked rice.

    Chili and Rice Roll-ups serves 3-6

    • 1 pound ground beef – brown and drain excess fat

    In a medium saucepan:

    • 1 can chili
    • 1/2 c. water – bring chili and water to a boil
    • 1 c. Minute Rice – add
    • Cover and cook on low for 5 min or until rice is done.
    • Add the beef to the chili and rice.
    • 6 flour tortillas

         Heat tortillas slightly in the microwave (I like to heat them in a dry frying pan)

    Spoon bean mixture into each tortilla.  Garnish with shredded cheese, diced tomatoes, chopped green onion, sour cream, avocados, etc.

    Grandma’s Chicken Casserole

    • 1 pound chicken, cooked, shredded (or 2 cans chicken or 1 jar chicken canned)

    Grease 9 X 13 pan.  Heat oven to 425˚

    Spread shredded chicken on the bottom of the pan.  

    • 2 cans Cream of chicken Soup.  
    • 2 c. milk

    Mix soup with milk and pour over chicken.  

    Salt and Pepper to taste

    2 cans of refrigerator biscuits.  Place biscuits on top to cover.

    Bake for 10 minutes or until biscuits are browned.  Turn biscuits and bake 5-10 minutes more or until biscuits are browned.

     

    Marti 

  • 8 Ways To Protect Yourself From Bank Failures

    8 Ways To Protect Yourself From Bank Failures

    With recent bank failures at an all-time high, it’s probably a good time to evaluate your financial accounts. No matter where you are on the financial spectrum, there are eight things you can do right now to protect your money from bank failures and create a more stable future when the economy takes a nosedive. We’ll look at this from the perspective of practical actions that you can take now.  The first three points I’ll outline assume that you have money in the banks, markets, or retirement plans, but the last 4 points are simple techniques will work for anyone, regardless of income to make sure you’re positioning yourself in the best position financially to weather this storm. So let’s start with the first point.
    1. ASSESS YOUR ASSETS
    Valuation Of AssetsBetween the deepening global recession, inflation, and bank failures, the age of progress and innovation is over for the near future. You should take this time to do what savvy investors are probably doing, and that’s to move to the most conservative investments you can find. Now might be a good time to chat with your financial account manager if you have a 401K or retirement account to gain their insight. When it comes to large accounts like retirement plans, you may want to create additional portfolios with different financial institutions.  Check the level of deposit insurance on accounts.  The FDIC insures up to $250,000 per account.  If you have an account with a bank that exceeds that amount, now would be a good time to move the additional income to other banks that are FDIC insured. Recognize the warning signs of a bank’s possible collapse wherever you bank. Bank failures result from the compounding effect of bad decisions over time. There are clear warning signs. If there was a sudden run of depositors withdrawing funds, would you be able to transfer your money out? Even if you are happy with your bank, setting up another bank account where you can transfer money over the Internet is like diversifying your portfolio. 
    1. TROUBLE SIGNS
    Closing SignageSome bank failures are sudden and shocking, but some pretty clear signs of trouble precede most. There are signs you can look for before your bank fails. A big one is a sudden plummet in their stock, but by this time, it may be too late, and your assets could be frozen. Still, if you follow stocks at all, you can see short-sell orders rise to extreme levels right before a bank is about to collapse. Investors will often short-sell the stock to make a profit on the way down. Before it gets to that, look for these other signs. If your bank delays releasing financial information, announces they are closing branches, or plans to lay off many people, they’re trying to adjust their balance sheets and operating costs quickly. To dive deep into the bank’s health, visit the Federal Financial Institutions Examination Council website and examine Uniform Bank Performance Reports or UBPRs. It’s a complicated database, but you may want to do a deep dive if your assets are significant. Another troubling sign is deposit migrations. On the FDIC’s website, you can see a year-to-year comparison of total deposits for a bank. If those drop by double-digit percentages, it may indicate your bank is struggling and folks with a lot of money are exiting. Finally, if they start cutting services they once offered or suddenly hike their fees or interest rates, it could mean they are struggling. When you have a combination of one or more of these trouble signs, people might flee a bank and withdraw their money simply based on a fear of failure. That can add pressure and accelerate a bank’s demise. 
    1. CONSIDER A CREDIT UNION
    Penfed Credit UnionCredit unions follow a distinct business model that prioritizes their members’ needs over generating profits for shareholders. They are also carefully monitored by regulations and are insured. While they aren’t immune to playing correctly and fairly with your deposits and not over-extending themselves, the higher regulations and lack of simply driving profits make them probably less likely to mishandle your money. Credit unions have a unique business model that sets them apart from banks. They are not-for-profit institutions, which means they are owned and run by their members rather than shareholders. This approach allows credit unions to prioritize the needs of their members instead of generating profits for shareholders.  While there’s no guarantee your money will be safe here compared to conventional banks, it’s something worth researching.
    1. BUILD YOUR RESERVES
    Food Stocks In JarYou can look at this from 2 perspectives: the practical and the financial.  Let’s start with practical items like food. If you slowly build up a 3-months food reserve, one can, a bag of rice, or a sack of flour at a time, you can at least put in reserves the crucial items you’d need to survive if the economy absolutely tanks. I’ll link to a video on how to do that in the comments below because I often hear from people who have made it through tough times by eating what they had in their pantry. Start by building what’s there– one bag or can at a time.   As for your finances, it’s crucial to create a financial buffer so that if you’re in a difficult financial position, for example a job loss, you have a financial backup.  I realize that’s hard with all the constant financial pressures we’re facing at this time, but it’s doable.  When my wife and I first got married, we barely could pay the bills each month, but we put together a plan (and that’s the important word here: plan) that enabled us to get out of debt and build a savings account.  We took 3 steps to put a barrier between us and being financially ruined.  If you’ve followed individuals like Dave Ramsey or other financial guru books, you’re probably familiar with these 3 approaches.  Step 1 was to save up $1000 in a savings account.  It made dealing with problems easier to handle when they came up.  Step 2 was paying off debt.  The approach we used was the financial snowball.  We started with our smallest debt, and then paid it off as quickly as we could. Once I paid that off, I rolled the money I was paying to that debt to the next smallest debt.  I kept repeating this approach and the amount of money we could commit to the next debt kept growing, thus the snowball analogy. The psychological boost I got from making progress encouraged me to move fast on the remaining debts.  It goes from beyond just numbers to emotions.  When you get emotions involved and you experience gains, it’s easy to continue motivating yourself.  Once we got out of debt and freed up finances, we went to step 3 which was to save up a 3 months savings account.  I know that may sound impossible to go through these 3 steps, but having a plan made all the difference.  The book we used is Financial Peace by Dave Ramsey.  Whether it’s Suze Orman or whoever you want to go with, the key is to find a plan and work it.
    1. OFFLOAD CLUTTER
    PIckup Truck and SedanHave you ever watched one of those hoarding shows and wondered why people find such value in all those little things? The truth is that people who have less tend to feel less burdened, some even happier. If you’re feeling uncertain about the future economic picture, cash in that change you’ve been saving and apply that found money to something super practical in your life. Do you have multiple cars, motorcycles, boats, mowers, or whatever? Why not offload them now while people are still in the market for them? When hard economic times come to us all, as the economy slides deeper into a recession or more banks fail, the dollar will lose value, and fewer people will have the money to pay you what these things are worth in your eyes.  They’ll also be holding on to their money, so they’re less likely to buy anything but essential items.  I’ll never forget in 2009 when I bought my first home after the housing market collapsed.  We had no furniture or appliances when we bought our home and when shopping on Craigslist, we were able to find items at extremely low prices because people were trying to make money in the midst of a down market and they couldn’t really ask for much when selling.  If you’re gonna offload something, now would be a good time to do so.
    1. LEARN TO BARTER
    Bartering BananasBartering can be a helpful strategy in a financial crisis because it allows you to trade goods or services without using money. This can help you meet your basic needs and conserve your cash reserves. It also enables you to build relationships with others in your community and create a sense of mutual support. Bartering frees you somewhat from the money loop of earning, spending, and taxation. Can you hem clothes or fix an engine for someone in exchange for something or some service they can do for you? I may not feel comfortable installing a light fixture on the exterior of my home. An electrician could cost me several hundred dollars, but my neighbor needs his lawn taken care of, and maybe I just saw him installing a light fixture on his house. In that case, it’s time to make a deal. Are you a decent bread baker, and your neighbor has a garden bulging with vegetables?  Why not propose a trade? You are building a network, a community, and functioning in a cashless exchange where the dollar might be losing value anyways. Give it a try.
    1. BUILD YOUR COMMUNITY
    Group Of PeopleWhen the economy turns toward the worst, you would expect things to get more cutthroat and crime levels to rise. They do, but something else happens too. People come together and find strength in what they share. When my kids were smaller, we would meal share with another couple who had small kids. In this way, we could give each other a day off once weekly, buy in bulk and save, and just cook one big meal we could eat for a few days. It was a substantial cost savings. When someone I knew from an online group was in the path of one of the recent wildfires, I let him move his chickens in with mine until the threat of fire passed. That was free of charge, but I got to eat all those extra eggs while the chickens were in my coup. I have also been part of a “buy in bulk” group where we would save money by buying larger quantities that we would then divide up. Have you ever considered buying part of a whole cow? Cow sharing is a way for consumers to purchase meat directly from a farmer or rancher, often at a lower cost than buying from a grocery store, and to have more control over the quality and source of their meat.  From work friends to online exchange groups to community pantries, churches, social groups, and schools, you should view an economic downturn as an opportunity to cultivate a strong community from them. As divided as communities seem these days, they are more connected than you might think if you start looking for and making those connections. The time to do that is now.
    1. GROW YOUR OWN
    Orange Tree FruitsFood is the most basic currency on the planet. It will always retain its value and always be in demand. It’s also one of the biggest expenses we have when we rely upon farmers, distributors, grocers, or eating out. The average household spends an average of $3,000 per year on dining out, and that was before prices started climbing. That is the low end. Those nights you don’t want to cook, lunch breaks, quick meals between kids’ rehearsals or sports events, and coffee stops add up quickly. The average American family spends over $15,000 annually on groceries, factoring in this latest double-digit inflationary cycle. At the lowest, when combined, that’s $18,000 per year. Reducing the amount you spend over the long haul can easily be achieved. Plus, it significantly decreases your dependency on corporate farms that may fail as banks go under and the economy bottoms out. It will reduce your dependence on grocery stores that governments may force to cap prices at some point, leading to them not profiting and eventually not resupplying some foods. They’re businesses, after all, not charities. One home-built lettuce tower could keep you in more salad greens than you could possibly eat. Sprouts and microgreens can provide you with fantastic nutrition even while portion sizes on your plate are dropping because of the economy. If you have even a few feet of land or a deck with sunlight, you could grow kale, potatoes, garlic, onions, or something else. If you have a yard, why not plant a fruit or nut tree? It may yield nothing for a few years, but at our current trajectory, how bad might it be in a few years? Even a 10×10-foot garden in your backyard could feed you when times are rough. Have you ever considered, and would your community allow you to raise chickens, rabbits, or quail? Some people with egg-producing hens recently found themselves with an income source when there was an egg shortage this year.  The food you grow may not be enough to survive on, but it keeps your mind, hands, and attention occupied. You learn a skill. You reduce your dependence on an unreliable system. You might even end up with something you can trade with. At the very least, you will reclaim some of that $8,000 or more you are currently paying someone else. That will allow you to focus your assets on other necessary things. I’m not going to go into alternative investments, crypto, gold, and things like that because that’s not practical advice for most folks.  Instead, I’ll link to two videos we have recently done that can provide you with more actionable things to do right now to protect yourself and create a stronger financial foundation to make it through this recession. The first is building that 3-month food supply, and the other is preparing for the recession we are currently at the beginning of.  Please watch those videos or review this video again and determine what you can do today to secure a more stable future tomorrow.   As always, stay safe out there.   LINKS:  3 Months Is All You Need As A Prepper – Here’s Why How to Prepare for A Recession in 2023  
  • What THEY Aren’t Telling You About World War 3?

    What THEY Aren’t Telling You About World War 3?

    What THEY Aren’t Telling You About World War 3?  World War 3 NewsThe news media won’t cover it. Your politicians and leaders won’t admit it, but there is no denying it now. We are in the second year of what is effectively a world war. That might come as a shock to some and obvious to others. The Cold War has exploded into a hot war on multiple fronts worldwide, with more hot zones potentially being dragged shortly. Your nation’s treasure flows into this war, and your soldiers might eventually be directly engaged. In this video, I will explain how this world war is like no other we have ever seen, how it might never end, and what you should be paying attention to now with how you prepare to give yourself the greatest chance of enduring it. There’s a lot to analyze and explain here, so let’s dive in… DIFFERENT WARTIME ECONOMY War TankIn previous world wars, countries committed resources, retooled their factories, and recruited a fighting force of citizens in their armies. Countries adopted what came to be known as a “Wartime Economy.” For example, before World War II, factories in the United States turned out automobiles, large and small appliances, and children’s toys. In January 1942 — a mere month after the attack on Pearl Harbor, Hawaii — President Franklin D. Roosevelt ordered the establishment of the War Production Board that would press these factories into the war effort. Even before this, industrialists were pressured into moving away from their civilian industrial efforts to build instead ships, tanks, and planes for the war effort. However, this current world war is different because it is mainly supplied through surplus, trade, and bribes. You can see this most clearly in the flow of 155mm shells, the preferred weapon of choice in this war. When Russia was burning through its supplies, firing an estimated 40,000 of these explosive rounds daily, they turned to North Korea to supply them with millions more. Ukraine is firing upwards of 8,000 of these rounds daily and has been supplied by the US with more than 1.5 million rounds already. To ship that many, the US has agreed with South Korea to source a half-million of the rounds. Only recently has the US Army sought to ramp up their own production of the shells sixfold to 85,000 a month. There is a point where supplies and trades are insufficient to supply the warzone, and a wartime economy adequately has to be adopted. Still, economies are very different today than they were three-quarters of a century ago, at the end of World War II. It’s not just 155mm shells, though those are the most obvious to track. The flow of wartime parts is coming from all over the world. Russia is being supplied with bearings for their tanks from China and Uzbekistan. Without the bearings, Russia’s war and ability to supply it would immediately end. Without bearings, there are no more Russian railways or tanks. China has also provided rifles, body armor, and drones. Egypt had secretly planned to give 40,000 missiles to Russia before their efforts were disrupted. North Korea and Iran have both provided weapons and personnel to operate them. The US is providing targeting reconnaissance to Ukrainian forces, and billions of dollars of weaponry have moved into Ukraine from NATO countries. Many of these weapons, like missiles, have ranges that far exceed anything used in any previous world war, and we have already seen where they have fallen in countries not directly involved in the conflict. Any one of these instances could result in an immediate escalation of the conflict. In a way, your country is already adopting a wartime economy even though there is no official declaration of war, and you may not have boots on the ground in the war zone. Russia’s invasion of Ukraine and fears of China pushed military spending to a record high in 2022 throughout Europe and America. With previous wars, citizens were mobilized to collect resources for the war effort, sell bonds, save aluminum and rubber, and work in factories to support the effort. While countries haven’t come to that level of mobilization at this point, in a way, we are feeling this impact. LNG exports from the US to Europe have increased a staggering 141% to support allies in Europe cutoff from Russian liquid natural gas. That creates a supply imbalance in the US and has forced the prices up, requiring consumer conservation efforts. So, the wartime economy of the past may look different today. However, like it or not, your country is slowly adopting a wartime economy. NEW SOLDIERS IN WW3 War SoldierWorld Wars of the past required countries to send their sons, daughters, and treasure overseas or to other countries to fight with boots on the ground. When one side lost too many sons, daughters, and treasure, wars would end with a victor and the defeated. Technology and stockpiles of ordinance-collecting dust have changed that dynamic. The Wagner Group, a private mercenary group that takes its orders directly from the Kremlin, is currently being led by Yevgeny Prigozhin, Putin’s close friend. The US Treasury Department designated Wagner Group as a transnational criminal organization. One of the reasons they did this is because they are functioning beyond international rules and laws. They are recruiting prisoners under duress from Russia. It’s far from a disciplined fighting force apt to follow established international codes of conduct.  Though private military companies, PMCs, are officially banned in Russia, the Wagner Group is directly employed and funded by the Kremlin. Think of them as Putin’s personal Brute Squad. The Wagner Group allows Russia to enact foreign policy beyond any accepted international laws, rules, or norms. Countless allegations, video evidence, and sworn testimonials reveal this group frequently tortures and murders civilians and prisoners of war. Obviously, this violates the Geneva Conventions. Russia can and does deny having any part of these human rights violations because, if true, the actions were taken by a contractor and not the Russian Federation. The group has sought weapons and ammo from Turkey and other countries.  PMCs aren’t unique to Russia–think Blackwater–but Putin has definitely leveled them up and removed a layer of accountability with Wagner Group. The mere existence and scope of this PMC make comparisons to previous world wars problematic. There’s no wave of national armies storming beaches or skirting the Maginot Line. Instead, ununiformed infiltrators and saboteurs are crossing borders and engaging in subterfuge meant to destabilize other countries. The fall of Crimea was preceded by an invasion of unknown armed men, often referred to as “little green men,” who were later proven to be Russian soldiers. The tactic works, and Putin uses it to his full advantage to wage war with impunity worldwide. It’s worked so well that PMCs may one day replace the standing Russian army if they haven’t already.  It can be assumed when the Wagner Group receives too much bad publicity on the world stage, they will be absorbed into some different PMC formulation. Blackwater, after all, is on its third name change. This matters to you because, like it or not, there is a world war being waged through these PMCs. Members of these groups could be in any country where they can gain assets or recruits. Typically, they are actively recruiting from any country that harbors anti-western sentiments. This should matter to you also because they are in any country where Putin has the intention of creating chaos or destabilization. The Wagner Group is even seeking to recruit fighters in European territories and around the globe for what it dubs a “mystery” plan. Any way you examine it, it is a state-sponsored terrorist group that is larger, better funded, and more organized than Al Qaeda was. That should be a concern to you. If a country doesn’t have its own sons and daughters with boots on the ground in the conflict zone, in the past, it could say it wasn’t involved in the war. That’s no longer a defining characteristic of the soldiers in this war. EVER-ESCALATING & NEVER-ENDING War In ActionWhen a war is waged with shadowy entities like private military groups; when a war is funded through surplus, shady deals, exchanges, and promises; when countries commit to the war effort by rechanneling their resources and treasure to it; when a war involves multiple countries on multiple secret fronts, it meets the definition of a world war. The part that should matter most to you is this is an ever-escalating conflict that can have no resolution short of the collapse of one of the major parties–Ukraine, Russia, the United States, Europe, or China. One of these significant entities imploding or changing leadership could destabilize the concentrated war efforts long enough for a single victor to emerge. Short of that outcome, however, where does a war like this really stop? Cyberattacks and destabilization efforts escalate. These attacks and the chaos they create move far from the warzone and impact people and operations worldwide.  More frontlines in the war emerge, though, at first glance, they seem unrelated. Already, it is surfacing that the Wagner Group is a crucial player in the conflict in Sudan. In fairness, this is a long-standing generational conflict in Sudan, but the Wagner Group’s fingerprints are clearly on this chapter of it. The two warring generals have both been supplied by the Wagner Group. Russia has secured mining rights to Sudanese gold mines and has an agreement to build a Red Sea Naval naval base. The problem is that to build the naval base, parliamentary approval is required, and Sudan would need to form a civilian parliament first. The machinations of democracy take longer than Russia is willing to endure, but whichever friendly, Wagner-supported, warring general seizes power, and regardless of what genocide takes place with Wagner-supplied weapons, an authoritarian general is much more likely to approve a Russian naval base than a freely established parliament. Russia, China, and the US are still bribing allegiance, support, and passive acceptance of their policy and actions from smaller countries at this point. For instance, Russia is poised to deliver free of charge up to 500,000 metric tons of grain to the poorest nations of Africa in the coming months. For Russia, it is a rerouting of grain they can’t sell elsewhere to buy goodwill and support in world organizations. Indeed, the fires of the frontlines of this world war have sprung up elsewhere– far beyond Ukraine. And Putin would love for the attention to be taken off of Ukraine and paid to any other location in the world, so expect more of these conflicts to rise anywhere poverty, famine, or political destabilization exists. At the core of these other conflicts is the same theme– genocide, authoritarian leaders, murder, political instability, and established borders can all be ignored so long as influence and profit can be garnered. It is a very different world order than the sometimes messier democratic Western ideals. Expect that allies of Russia like Iran will redouble their efforts to fund terrorist efforts around the world. Expect more resource-rich but unstable countries to develop internal strife and conflict suddenly. A destabilized world is part of the Russian plan. Expect attacks on infrastructure or computer networks, or banking systems where no clear culprit can be identified. For instance, Chinese cyberattacks on NATO countries have increased by 116% since Russia invaded Ukraine. Linking the culprit back to a specific government will be difficult even when the culprit can be identified. In an ever-escalating conflict like this, can peace ever be restored? If the conflict in Ukraine ends, will the private military companies just disband, or will they be absorbed into other cells, fights, and conflict zones? If the world puts out one fire, does it simply spring up somewhere else? If there is ever peace restored to Ukraine, what about Sudan? Will we see the frontlines in this amorphous conflict grow even further in Moldova or one of the 26 other countries where Russia is alleged to have been meddling politically? With a large portion of your country’s resources being channeled into a war effort somewhere else, is it just a matter of time before your country’s troops are directly pressed into a conflict? WHAT CAN YOU DO? War WatchingMake no mistake about it. World War 3 is already underway, though it doesn’t conform to our current understanding of past world wars. This one won’t go away as easily and may never have a clear victor. Your nation’s treasures and resources will continue to pour into the conflict, and the war is shaping up to be ever-escalating and never-ending. Your economy is transitioning to a wartime economy because if it doesn’t, your country will lose the war.  Knowing this, there are things you can do now, even as the government pretends it isn’t actively engaged in a world war. Because they aren’t admitting this reality, they aren’t going to ask you to start a Victory Garden. However, the ever-escalating and never-ending conflict may disrupt food supplies. The facts are that some food supply lines will be disrupted as trade agreements are challenged, food resources are allocated elsewhere, or agriculture and shipping are challenged. Just the brewing conflict with China and their warming up to Russia through trade deals and BRICS should call into question the stability of any food sourced from China. India, China, and Russia have all been hoarding grain for the last several years, as we have pointed out on this channel. Now we know the reason was probably the war in Ukraine and the rising tensions in the South China Sea. If ever there were a time to free oneself even a fraction from global food supply chains, to source more locally, or even grow some of what you eat, this would be the time. You should also take a critical look at your work and income. Your employment might suffer if it isn’t somehow tied to the war effort. If you work in the service industry and your nation’s resources are leveraged in a war effort, the economy suffers, and fewer people seek services. If you work for a company that manufactures anything with sourced parts from other countries, that part supply could dry up or be diverted to the manufacturing efforts. For instance, if you want to buy anything made of steel, consider how much steel is used for a 155mm projectile that weighs 103 pounds. Now multiply that by the over 1 million shells per year the US is ramping up to produce. You can imagine that steel for buildings, cars, washing machines, refrigerators, and even surgical scalpels may be in reduced supply, thus driving up their costs. The war effort has already impacted the aluminum industry, one of Russia’s chief exports, as evidenced by the recent Executive Order from the White House imposing tariffs. This is already happening right now. What will be the new price of anything made from or packaged in aluminum as a result? Anticipate more shortages and higher costs as more resources flow to the war zones and away from your country. By extension of that, expect your economy to continue to backslide and move deeper and deeper into debt with decreasing currency valuation. Basically, you’ll need more money which will buy you fewer goods. The dollar’s value will decrease proportionally to the alternate currencies and exchanges, and inflation will continue to climb. Treat your finances as a prep, as we often encourage on this channel, and cultivate your skills and knowledge while you still can. In the future, your ability to gain new skills and knowledge might not be as easy; however, these will prove invaluable to your future self if conditions continue on the same path. In some ways, the world has always been at war– a war of political ideologies, a cold war, and smaller revolutions and conflicts. That hasn’t changed. What has changed is the prominence and concentration of these conflicts. What has changed is the cold distance from which nations can recruit, engage in conflicts, and absolve themselves from any wrongdoing or atrocities committed on the battlefield. Eventually, the war will not be sustainable from afar with dusty stockpiles of decades-old weaponry. Eventually, to be victorious, countries must commit to boots on the ground or step aside and let someone win without their participation. Make no mistake about it. We are engaged in a world war of epic proportions right now. You should prepare for that just as your ancestors did, even if your government still needs to acknowledge this fact.   As always, stay safe out there.
  • 25 Big Box Retailers That Are About To Go Under

    25 Big Box Retailers That Are About To Go Under

    I told you I would alert you when I saw a major crisis coming our way, which is true with today’s news. There’s a consumer retail apocalypse happening right now for several reasons. I think it’s significant enough to center our news alert around it this week. Declining sales, inflation, substantial debt burdens, changes in how we spend our money, and a global recession are just a few reasons why profits are suffering. The inclination might be to dismiss these as just regular occurrences that have happened in the retail world over hundreds of downward cycles. There are so many companies fighting for their life right now. I don’t say this much on this channel, but you need to see the recent retail failures as a sign of some nasty things to come and not business as usual, and I will tell you why in this video. I think this is to the point where it is a significant enough sign of a massive downturn in our economy.  I will clue you in on 25 closures happening now and the rest of this year. Then I’ll tell you why this is particularly problematic at this time and what it means to you. If things don’t get better fast, the word ‘catastrophic’ will be too light. FAILING BUSINESSES Failing BusinessessHere’s a lightning-fast look at some notable names closing locations in a neighborhood near you.  After we cover these stores that are closing, we’ll discuss what you can expect to come next.  Stick with me because what we share in a moment will really enable you to have a complete picture.  There’s a lot that’s closing, so here we go. Kohl’s is on Moody’s bankruptcy watchlist.  Macy’s is shutting another 50 stores after closing more than 125 locations and laying off 2,000 employees last year.  When retailers are in freefall like this and shutting stores in the hundreds, there are few, if any, examples of them ever getting back on their feet.  Target is closing several locations, citing a decline in food traffic, an alarming rise in shoplifting, and dropping profits. 99 Cent Only store suffering also from inflation and high operational costs.  The chain has had negative cash flow for three consecutive quarters. Office Depot will have shed over 300 locations by the end of this year.  JC Penneys continues to struggle as it has for several years now and just announced that they will be closing even more locations this year.  Joann, the crafting retailer, experienced a boon of sales when the pandemic found everyone in lockdown and with time on their hands, but that’s changed now with the world opening back up.  Declining sales have cut profits by 20 percent while its debt rose to over $21 million.  This is forcing them to close stores and lay off hundreds of workers. Disney has been a giant in the entertainment industry for years, but they also have an extensive retail store operation.  That may not be true for very much longer.  They have closed over a hundred stores this year and last.  Political battles, boycotts, dipping sales, and high expenditures all seem to be taking a toll on profits.  The company is cutting 7,000 jobs. While the amusement parks may be doing well, retail, as is the case with retail everywhere, is struggling mightily.   All around the country, significant retailers are abandoning the mall setting and trying desperately to develop online retail operations or simply calling it quits. Bath & Body Works announced it will close 50 retail locations this year. Bed, Bath, & Beyond is closing 400 locations hoping to stay out of bankruptcy.  Banana Republic, Gap, and Guess are struggling to stay afloat in the retail apparel industry.  Gap cut 500 corporate positions and even more jobs in Asia and left Russia after Russia invaded Ukraine.  These retailers are reeling from a dramatic loss of sales and are closing hundreds of stores nationwide.  Apparel retailers saw their sales plunge amid COVID-19 lockdowns, and many consumers who are returning to work after stints from working at home are reluctant to buy whole new wardrobes. Retailer Guess’ sales dropped 50% in the first quarter of this year. Supply chain and global distribution have resulted in decreased output from Asian nations while stock on hand has swelled from lack of sales.  Many of the lease agreements for these apparel retailers are coming up for renewal, and it’s not likely they will opt to renew.  In the apparel category, Foot Locker has to be included.  The shoe retailer announced earlier this year that it would close 400 shopping mall locations. COVID lockdowns of economies worldwide pushed the final naysayers into the online shopping world.  It was also a death knell for brick-and-mortar locations where consumers have yet to return.  One would think this would lead to high profits for shipping companies like FedEx and UPS, but soaring fuel costs have eaten those profits up. It’s not just retail goods, either.  Many restaurants and franchises are failing at an alarming rate. Believe it or not, Starbucks, the beverage behemoth, has had a difficult time with its supply chain.  The cost of ingredients has also climbed.  They’re closing hundreds of locations, and the CEO has warned there will be many more closings in the coming months. Burger King is closing 400 locations by the end of this year.   BK isn’t the only fast-food chain suffering right now.  McDonald’s has closed several corporate offices, is closing over a hundred restaurants, and laying off hundreds, if not thousands, of employees. McDonald’s also cites the pressures of legislation seeking to raise workers’ minimum wage. If you are utterly dependent upon your local grocery store, you might want to develop a new strategy because major grocers are also suffering.  Stop & Shop, Kroger, Whole Foods, Sprouts, Walmart, and Tops grocery chains are closing hundreds of locations. Poor profitability, supply chain problems, and double-digit inflation have moved the profits and losses bar too far to the negative.  These massive stores are untenable when profits dive so dramatically. Recently Kroger merged with Albertsons in their struggle to survive.  That means hundreds of locations will be closed, and thousands of jobs will be lost as they seek to eliminate overlapping stores in the same locations.  Sprouts is closing 11 underperforming locations.  Many of these brick-and-mortar retailers will go the way of stores such as Radio Shack and Toys-R-Us.  They will be forced to close their doors or beg to be bought out at rock-bottom prices.  Some will diminish the significance of these recent store closures and the ones we will see in the hundreds, even thousands, later this year and simply indicate we have always had closures.  On the surface, that’s true.  Beneath the surface, however, we have never seen so many retailers, from grocers to clothing stores to franchise food establishments, tossing in the towel simultaneously. WHAT’S NEXT? Target ClosingOK, so we ran through all the stores failing, and this is the important part that you need to pay attention to. Individually, any one of these retailers failing isn’t a cause for alarm. That’s not the case here, though.  There are too many failing together last year, this year, and likely into next year to dismiss it. As we have pointed out on this channel before, there has been a worsening commercial real estate bubble that experts are claiming will be far worse when it eventually pops than the 2008 housing market crash that previously tanked the economy.  $2.4 trillion of debt will mature over the next five years, and there isn’t money to meet those debt obligations.  Most of these retail closures will remain as vacancies.  Commercial real estate is very different than housing loans.  Lowering rents to entice new tenants often requires a vote from shareholders who would rather take a loss on their taxes than eke out barely a profit.  So, as you hear of a store closure, realize that beyond that company’s loss, and the loss to anyone in the community that relies upon that location, and the loss of jobs to the community, and the increase in unemployment numbers, there is also a property that will likely not be reoccupied in the immediate future.  It will be bundled with other vacant processes and sold as a loss until the whole thing just fails one day.  We covered this coming commercial real estate collapse in depth in another video I will link to in the comments below if you’d like to understand just how big of a problem this really is.  With each of these closures, too, as I just mentioned, the ranks of the unemployed increase. The retail industry is responsible for 25.8% of employment in this country.  As it dries up, that economic engine sputters to a seizing halt. That’s not what you want to see happen when we are plunging deeper into a recession.  Rising unemployment numbers are also not what retailers want.  When job security is low, and money is tight from inflation, most people postpone purchases of items both big and small.  That further slows the economy and, you guessed it, propels us further and deeper into the recession.  People hold on to their money and try and stretch it out.  This means they don’t go out to eat quite as much.  Restaurants make up a mere 3 to 4 percent of the GDP, but workers from restaurant and bar establishments make up nearly 75% of the current unemployment numbers. Expect this sector to be particularly hard hit as well. This year is different, too, because of some of the extra influencers.  There’s a war in Ukraine that is costing the world billions of dollars.  There’s a shift to online retailers and products over traditional, large-inventory, big-box stores.  Even with this shift, however, consumers are consuming less. Costco, Amazon, Walmart, and Home Depot all have warned of slowing consumer demand this year.  People haven’t been so uncertain about their collective economic futures in recent memory.  That’s going to get worse in the next few months, as well. As we covered in our debt ceiling video last week, things are about to go south.  As consumers hear more and more wrangling over spending, the debt ceiling, government waste, and recklessness, they will tighten their spending and slow the economy even further.  More businesses will respond by downsizing their workforces. Treasury Secretary Janet Yellen warned on Sunday of a coming “steep economic downturn,” saying that “financial and economic chaos will ensue.” She also said, “Our current projection is that in early June, a day will come when we’re unable to pay our bills unless Congress raises the debt ceiling, and it’s something I strongly urge Congress to do.” Congress and the president, however, couldn’t be further from a quick resolution on this. They’re currently at an impasse, raising the prospect of default. Legislative standoffs are common in a nation with deep partisan divides. The Republicans hold a thin majority in the House of Representatives, while the Democrats, led by Biden, control the Senate by a scant two votes. The stakes of the current debt-ceiling standoff are much higher than previous debates about budgeting, which have resulted in partial federal government shutdowns three times in the past decade.  Even if a shutdown is averted, just the debate can lead to a further slashing of the United States top-tier credit rating and a significant stock selloff.  WHY YOU MUST PREPARE NOW Bath and Body Works ClosingThese next few months, especially if the arguing over the debt ceiling drags on and on, will tell how dark things will become.  Again, any of these alone, and I wouldn’t have cause for concern, but let’s list them out now that we know they’re all compounding upon each other.
    • Multiple store closures 
    • Commercial real estate vacancies
    • Commercial real estate bubble
    • Unemployment numbers increasing
    • Global recession
    • Low consumer confidence
    • Another debt ceiling debate leading to a possible shutdown
    • Continued conflicts in Europe and the South China Sea
    • Supply chain challenges
    Each of these is a storm cloud gathering strength through the rest of this year and combining with other storm clouds.  Whether you live in downtown Manhattan or Manhattan, Kansas, your world is about to change dramatically from what might one day be viewed as the pinnacle. These retail closures are a harbinger of far worse things to come, and we have never before seen them going out of business at such a rapid rate.  Don’t just shrug off your local retailer closing their store in your town they have had there for the last decade or more.  See it for what I am telling you it is– a signal of a massive economic downturn and just one signal at that.  As I bulleted out there, there are many indicators that we are only seeing the beginning of this. Before it’s over, the dollar could fall, and inflation could reach levels not witnessed in recent history. This is going to be very bad.  I don’t want to cause panic, but there are very few positive signs for the economy right now.  The weakness of the retail industry, from big-box stores to apparel to grocery stores, is alarming at best.  It’s a sign, at worst, that we are on the edge of an economic cliff about to plunge into freefall. The economy is profoundly changing as it nears the cliff.  Prep as if the world you have known will transform into something that existed before you were born because the age of the major retailer, just like the age of malls, is receding on the horizon.  So too, should you reduce your dependence on these businesses for your daily needs.   As always, stay safe out there.   LINKS:  The Other Real Estate Bubble No One Is Discussing Debt Ceiling Warning! 5 Things That Are About To Happen
  • 5 Things That Will Happen if The Debt Ceiling Isn’t Lifted

    5 Things That Will Happen if The Debt Ceiling Isn’t Lifted

    The debt ceiling is in the news again, and like all things in our mainstream media, there’s a spin depending on where you get your information.  This alone can make it all the more confusing as to what exactly is going on. In this video, I will explain the five major things that will happen as this fight intensifies and we edge closer to the government not being able to pay its bills. Spoiler alert: if no resolution is found before the closely approaching deadline arrives on what Janet Yellen advises will be on June 1st of this year, it could propel us headlong, and I don’t say this lightly, into a depression or give a shot in the arm to a BRICS-based currency that could dethrone the dollar as a reserve currency. So before we jump into the specifics of what could happen, let me explain as quickly and unbiasedly as I can a little bit about what the debt ceiling is, what it is not, and why it should matter to you. WHAT IS THE DEBT CEILING? Almost every year, the government spends more than it collects in taxes — that’s the deficit. To make up the difference, it borrows money, which accumulates over time. That’s the debt. The debt limit is a legislative limit that caps the total amount of allowable outstanding U.S. federal debt. It was introduced in 1917 when Congress voted to give the Treasury the right to issue bonds for financing America participating in World War I. In other words, the Treasury can borrow money to pay for federal expenditures—but only as much as Congress lets it. Lifting the debt ceiling was once a fairly routine vote. Since 1960, Congress has raised the ceiling 78 times.  Since 2009, America’s national debt has nearly tripled, with annual federal deficits averaging nearly $1 trillion since 2001. The National Debt is sometimes driven by legislative or world actions which require the government’s response, including tax cuts under Presidents Bush and Trump, wars in Iraq and Afghanistan, entitlements like Medicare Part D, and spending in response to the Great Recession and the COVID-19 pandemic.  The debt ceiling is the budgeted limit of what the government can spend for every program, contract, person employed, building, road, or whatever. As we approach that limit, the Treasury takes measures to make sure we stay within that limit. With such deep divisions in government now, instead of simple passage, the arguments begin. The finger-pointing starts when each political party tries to paint the other as wanting to tax, spend, or cut programs. As the Treasury does its calculations, the actual point at which we cross the debt ceiling and can no longer authorize payments tends to move up. As we get closer to the exact dates, several things happen, each of which will affect you negatively. On January 19, 2023, the United States hit its debt ceiling, beginning an ongoing debt-ceiling crisis. In response, Janet Yellen, the treasury secretary, began enacting various accounting maneuvers known as “extraordinary measures.” On May 1, 2023, Janet Yellen warned that the United States may run out of measures to pay its debt obligations by June 1, 2023. There have been debt-ceiling crises in 2011 & 2013, so we have a glimmer of what will occur with this 2023 crisis. Unfortunately, this current debt-ceiling crisis may be far worse than in previous years. This year, we find ourselves supplying a war overseas, still not recovered from a global economic downturn, suffering through unprecedented inflation, deep in a series of significant bank failures, and with a looming commercial real estate bubble. These influences and others will be fuel on the fire. Here’s what happens in this debt-ceiling limit debate and how bad it could get if we ever reach the point of default.
    1. TEMPORARY EXTRAORDINARY MEASURES
    Health InsuranceThe first extraordinary measure the Treasury takes is to meet its spending obligations from the cash reserves on hand. As of January 17, 2023, the Treasury had a cash balance of $322 billion. That may seem like a lot, but your government spends a lot. Fish and Wildlife and Parks, Department of Homeland Security, Medicare Premiums, Social Security, Department of Agriculture, Federal Crop Insurance, Department of Justice, Railroad Workers Retirement, Federal Employee Retirement, Department of Veteran Affairs, the Postal Service, Unemployment Insurance, Defense Vendor Payments, Child Nutrition Program, Individual & Business tax refunds, barely scratch the surface of monthly expenditures. Hundreds of programs, contracts, and services are paid for each month, so simply surviving on reserves of cash on hand is like paying your bills with savings when you might lose your job in two months. Still, these programs make up the first round of temporary extraordinary measures. The Treasury also halts the daily investments in the Exchange Stabilization Fund. Operated by the Treasury, the ESF stabilizes exchange rates by buying and selling foreign currencies. The suspension of daily reinvesting in this fund means the US has less influence on global exchange rates and the strength of the US dollar–the world’s reserve currency. Finally, the Treasury can suspend the sale of savings bonds and stop issuing State and Local Government Series Treasury securities. Once a debt ceiling impasse is resolved, these funds will be made whole so that beneficiaries are unaffected. 
    1. PROGRESS IS PUT ON HOLD
    Road RehabilitationIs your city repairing potholes or building a new traffic corridor? The chances are that it is being paid through Federal grants or with Federal money, so those projects get put on hold. Does your employer have a government contract or is trying to obtain one? Well, those are put on hold as well. New spending is suspended. Were you planning on retiring someday, but you work for the government, post office, or railways? No new money is going into that until the debt ceiling is lifted. Your state is going to have to wait on that Federal funding that may pay your salary in some small part. Nutrition programs and other social-safety programs get put on hold. Eventually, parks and other services close, and workers are furloughed several days per week or laid off. In some ways, the government is forced to downsize and scale back operations. At this point, you start to realize all the little and big things the government provides you with. The economy, already struggling, suffers the most. The Treasury Department’s approach would be to postpone payments for all other liabilities until it accumulated sufficient funds to fulfill the whole day’s obligations. To clarify, it would postpone payments to agencies, contractors, Social Security beneficiaries, and Medicare providers rather than trying to selectively choose which payments to make on a specific day. If you work with any agency or under any contract with the federal government, expect cutbacks. If you remember the last significant debt-ceiling crisis, there were a lot of furloughed workers, national parks closed, and libraries adjusted their hours. Basically, everything slowed down, and many worried about their paychecks. Progress was put on hold.
    1. THE DOLLAR FALLS
    US Dollar MoneyThe most detrimental related consequences are not as readily apparent as a closed sign at the post office or programs put on hold. The debt-ceiling debate is a self-inflicted wound on the US economy. One of the major consequences of this debt-ceiling debate and the temporary extraordinary measures is reduced household wealth and business confidence. These are the macroeconomic effects of debt-ceiling brinkmanship. Any potential default on US debt has the potential to be catastrophic: credit markets could freeze, the value of the dollar could plummet, and U.S. interest rates could skyrocket, potentially resulting in a financial crisis and recession that could echo the events of 2008 or worse. Your employer isn’t likely to take on that new contract or employee and expand the business in such a climate. Neither are you likely to want to buy a house or make a similar big purchase with the US economy about to collapse. Other countries see this continued in-fighting and failure to come to terms with our debt and shy away from buying US debt. They start to look for other currencies to transact in, shedding their dollars held in reserve for more translatable and reliable currencies. Maybe that’s the Chinese Yuan, Russian Rouble, the Euro, British Pound, or some new BRICS currency. Over half of the foreign currency reserves globally are kept in U.S. dollars. Hence, an abrupt decrease in the currency’s value can impact the treasury market as the worth of these reserves goes down.  If a default occurs, the U.S. economy may face a recession more severe than the Great Depression. The international financial system heavily relies on the U.S. dollar and Treasury securities. If the impasse on the debt limit leads to a default on Treasury securities, it could be catastrophic, similar to or worse than the 2008 financial crisis. Even before we reach that point, other things can happen–like the slashing of America’s credit rating. That happened in 2011 when America’s credit rating was downgraded to AA+ from triple-A+ by Standards and Poor’s. As a result, American borrowing costs went up by $1.3 billion that year. When this slashing of America’s credit rating occurs, interest rates skyrocket, and people worldwide look for more stable investments outside America.
    1. MARKET INSTABILITY
    Closed Store SignageEven if you don’t have your own stock portfolio, your retirement account and financial institution do. As the debt-ceiling debate continues and edges closer to the deadline that the Treasury cannot cross, the financial markets steel themselves up and shift their strategies to highly-conservative and stable investments. Not all of them are successful, as we just witnessed with the disparities in the balance sheets of Silicone Valley Bank, Signature Bank, and First Republic Bank, which collapsed this year. Venture capitalists are less likely to gamble in the future, so they withhold their funds. Goldman Sachs economists have estimated that a debt ceiling breach would immediately halt about one-tenth of U.S. economic activity.  Credit requirements tighten as interest rates increase, so business, home, car, and similar loans become too hard to obtain. Social Security beneficiaries, some 69.1 million people, would suddenly have difficulty paying rent and utilities. That means 11 million landlords aren’t receiving an income, nor are utility companies receiving the revenue they require to operate efficiently and maintain profits. Even grocers are selling fewer products as prices increase and federal food assistance programs get put on hold. Just these two groups of social security recipients and landlords represent nearly a quarter of the US population that would immediately feel the financial impact of a potential US debt default. All businesses stop expanding and put projects on hold, and the real estate market takes a significant downward turn. Market conditions would likely worsen with each passing day, and the collective economy would slow to a crawl. Since we are already in a deepening recession where we aren’t exactly sure where the bottom is, this could be the push that propels us over the cliff into another Great Depression. Significant instability in any one market can dramatically impact other markets from wall street to main street, from your elderly neighbor next door to your kid’s school lunch program.
    1. UNEMPLOYMENT SURGE
    Packing ThingsMany estimates and studies have been conducted since 2013 to play out several different scenarios, from getting close to that debt-ceiling date to an impasse lasting more than two months where the Treasury only makes payments on interest. All the scenarios result in a loss of 1 to 5 million jobs across America. Many scenarios show only the slow recovery of those jobs over several months or even years. These unemployed people aren’t just federal workers. The ranks of the unemployed will come from all sectors and walks of life. Businesses will protect their bottom lines by laying off some workers and tasking the remaining workers with extra work. Pay raises, and cost of living increases are put on hold. People spend less on services, entertainment, and manufactured goods. Construction slows. Restaurants lay off workers or close. Factories slow their production lines. Even the military will look to downsize operations and cut spending. A debt default would risk benefits for 2.4 million military members, retirees, and 400,000 survivors of fallen service members. Also, service members’ pay and benefits can be put on hold. In all sectors of the workforce, the rates of unemployment surge. WHERE WE ARE AT NOW The White HouseIn February, President Biden and Speaker McCarthy met for an hour in the Oval Office to discuss how to raise the debt ceiling. They couldn’t reach an agreement but agreed to continue discussions. In mid-April, the Limit, Save, Grow Act was presented by Speaker McCarthy, a 320-page House bill that proposed raising the debt ceiling by $1.5 trillion, which would have sufficed until at least March 31, 2024. This act narrowly passed the House but is deemed dead on arrival when it gets to the Senate.  There are only a few things that can occur here. First, the rancor could continue a little while until the public level of disgust becomes so great that the government is forced to let it go and raise the ceiling. Or, the debate could reach an impasse, and things begin to shut down, even as the rhetoric and blame game ramps up. Or, Congress could abolish the debt ceiling, but that’s so unlikely I won’t give it time here. None of these outcomes are suitable for the economy or regular consumers. The debt-ceiling debate is a shot in the arm for BRICS alternate currencies and diminishes the dollar’s strength globally. Rather than risking the full faith and credit of the United States, lawmakers should focus on the underlying reason we keep hitting the debt ceiling in the first place: the structural imbalance between spending and revenues. With the government functioning as it does right now, it isn’t likely that we will get the focus on the underlying reasons. One thing is for sure. The margins are thin in this debt-ceiling debate. The Limit, Save, Grow Act may make it through Congress with Feinstein still out, but President Biden pledges to veto it. House Democrats are seeking a petition process allowing members to bring a bill directly to the floor without the cooperation of leadership. The critical date when the government can’t make its payments could arrive no earlier than the third quarter of 2023, which would begin in July. There’s considerable damage that will be done to the economy long before that deadline arrives. As we collectively get closer to that critical date and the debate and blame game continues without any substantial change in how things are done, expect the accounting maneuvers of these extraordinary measures to become more sweeping and severe. Expect the US dollar and confidence in the US economy to decline, as will America’s global influence. Expect that progress will be put on hold, the recession will deepen, inflation will move to double-digits, and millions will suffer from employment insecurity. We are still in the early days of this, but the crisis is swiftly going to come to a head. What’s your thoughts?  Why does this keep happening?  What’s the solution here?  Feel free to post your thoughts in the comments section below.   As always, stay safe out there.
  • How to Protect Yourself from AI

    How to Protect Yourself from AI

    There are multiple, reputable tech leaders and researchers in various industries such as Elon Musk who have been sounding the alarm on AI’s advancement and it’s potential negative impact on humanity. In all fairness, it should be pointed out that AI can serve many useful functions such as processing large chunks of data which lead to innovations in science, medicine, technology, and even space travel. However, and this is why many of these leaders are sounding the alarm, along the way to those significant advancements, we will experience violations of our privacy, be manipulated, deceived, and even perhaps suffer physical harm due to AI’s impact on our daily lives. The laws that are built to safeguard the population are simply not in place at the moment as the technology has advanced faster than most of us can possibly comprehend. AI, unbeknownst to many, is already impacting your life in ways that will shape your immediate future. In this video, I will outline six practical actions you can take now to protect yourself from AI’s impact on society and prepare against these negative impacts it will have. So much of this comes down to practical steps you need to take now. But first, we need to take a look at how AI currently works to understand how you can protect yourself against it. EXISTING AI PROBLEMS Human Using Mobile PhoneEven if you don’t engage with AI in any way, that doesn’t mean your information won’t end up in their systems. As companies build and engage with AI, more and more data is being put in them. Phone records here, browsing histories there, transactions, addresses, routes traveled, names, and more are all potentially, sometimes accidentally and sometimes on purpose, being fed into these machines. Every site you visit, every call you make, every digital transaction you make through credit or debit cards, and even the route you take from home to work, church, or school is recorded in millions of data points, especially if you carry a smartphone. Have you done business with or have an account at Samsung, Google, Microsoft, Amazon, Facebook, IBM, Apple, JPMorgan Chase, Citigroup Inc, Goldman Sachs, Deutsche Bank, or Wells Fargo? If you do, it’s possible your data has already been sucked up into an AI platform as part of its “training” or development process. Here’s an example. In one recent misuse of data, it has come to light that Samsung employees leaked sensitive and confidential company information to OpenAI’s ChatGPT on at least three occasions. One was source code for semiconductors a programmer was attempting to debug. One was the entire transcript of an internal company meeting, and one was an employee sharing confidential code to try and find a fix for defective equipment. While these leaks, fortunately, did not involve customer data this time, the data became part of the AI’s training and learning. Anyone accessing that AI online or within that company had access to the leaked material. The leaks emphasize the risk of sharing sensitive data with AI chatbots and how easily OpenAI’s millions of willing users can suck up the data. In response, Samsung has implemented an “emergency measure” limiting each employee’s prompt to ChatGPT to 1024 bytes. It’s safe to assume, however, that of the 1,000s of companies developing AIs, not all will be proactive about limiting the data used to train them. Even now, AIs that may not be limited to their original learning and training are being deployed on the web. Confidential data from millions of users, some likely tied to your personal information (phone numbers, email addresses, social security numbers, transactions, biometrics, behaviors, and so forth), are likely being fed into AIs being developed without much oversight or enforced guidelines. Many AI systems are taught or “trained” and then cut off from learning new information before they are put forward on the internet for public access. In a perfect world, that would be enough, but this isn’t a perfect world. Those prompts, that data put into the system is recorded somewhere, and that somewhere may not be deeply hidden behind multiple layers of security, impenetrable encryption, and firewalls.  It’s difficult to know how many companies are using or developing some form of AI. Google, Microsoft, Amazon, Facebook, IBM, and Apple are just a few well-known companies, but there are hundreds more. In January, Amazon limited the use of ChatGPT and cautioned employees against entering any sensitive information, including code, into the chatbot. This decision came after the company noticed ChatGPT’s responses contained data that closely resembled Amazon’s internal information. ChatGPT has been included in Bank of America’s list of unauthorized applications for business use. Similarly, JPMorgan Chase, Citigroup Inc, Goldman Sachs, Deutsche Bank, and Wells Fargo have also blocked access to the chatbot. These are great first steps, but what happens when an employee gets a laptop stolen or a hacker uploads internal or classified documents to an AI? As you can guess, it won’t be good. There’s also a concern that not all AI platforms that are being developed solely by large companies are providing some oversight. Eventually, if not already, independent programmers will be building their own AI platforms and feeding them whatever data, legally acquired or not, they can feed into them. If you have ever received a “breach of data” notification from a bank, phone company, or medical service provider, this should be a massive point of concern for you. It means your information was likely hacked. What happens when a state-sponsored hacking group builds an AI system and feeds it this stolen data? The potential for cyberattacks exponentially increases. HOW CAN YOU PROTECT YOURSELF? Personal Info On InternetThe easiest way to protect yourself from AI is to protect your data and prevent it from being used in ways that could potentially fraud or harm you. In our interconnected world, with instantaneous transactions and a million data points collected about you, that’s impossible unless you go entirely offline and live like a hermit somewhere. Barring that unrealistic extreme, let’s cover the practical steps that you can take now. PRIVACY TOOLS Privacy Tool OnlineOne of the simplest and best privacy tools you can implement right now to protect your information is a VPN or Vitual Private Network. It cloaks your IP address from Internet Service Providers. That IP, that unique identifier of you can be used to restrict the content online you are able to see. It also geotags you to a specific location. That means you can be tracked down, and that means that even the prices you are given online may be based on your geographical location and ability to pay based on the average income of users in that area. I know, not fair and pretty tricky, isn’t it?  People in Russia and China use VPNs to get around government censorship and access the real news. Online algorithm’s use your IP address cross-referenced with search histories of your area and even voting records and people’s purchase histories to serve you up content they want you to see. If you use a public WiFi at all a VPN is an essential layer to prevent hackers from accessing your computer directly. Even when at home, without a VPN every page you visit, article you read, video you watch, even online accounts, can all be linked back directly to you. Your internet service provider is recording that unique identifier of you along with every location where you or your computer visits online. They’re selling and sharing that information and using AI and machine learning to target advertising and news directly to you. You’ll notice a difference in the content you view on the internet when you start using a VPN. It’s nearly instantaneous. Advertisers and algorithms use your IP to sell you, but a VPN puts a hard stop to all of that.  It protects your identity, your computer, your location, and possibly even your assets while allowing you to break free of the stream of data points that will one day end up in an AI. A solid VPN will also encrypt your data with the same level of encryption the government uses. That’s going to keep any information you send or receive over the internet–emails, photos, texts, and all that–with the highest level of security. That’s why I am allowing Surfshark VPN to sponsor this video and page. Surfshark’s Clean Web does a great job with routing you through a Virtual Private Network, as well as enhancing your viewing and search results through Ad Blockers, Pop-up Blockers, malicious websites, and alerts for data breaches and malware. It masks and conceals your true IP. It can even make it appear as though you are accessing content from a completely different country. Without getting too technical, you really are. So if you want to make it look like you’re accessing content from Germany, Australia, or Japan, with this, you certainly can. Get past geographical blocks and government restrictions.  Protecting your online identity and activities is your best line of defense against having your data sucked into some AI platform’s training or, worse yet, used against you someday. There’s no risk to try it and by signing up, you’ll see how easy it is to set up and use. Right now, if you use the promo code CITY at the link I’ll put in the comments below, you can get it for 83% off and three free months. There is a cost to it, but that monthly subscription cost is less than 1/2 the price of one plain coffee. With this deal, Surfshark VPN is one of the better values out there and a solid option for keeping your information…YOUR information secure. Check it out through he link below to add that layer of security that is essential to have today. LIMIT WHAT YOU SHARE 3 Ladies Browsing Soc MedYou need to be careful how much information you share on social media. Social media platforms collect vast amounts of data about their users, so limiting your use of these platforms can help reduce the amount of data collected about you. Every image you like or share feeds into some online database somewhere. If you want to see this in real-time, compare your spouse, friend, child or grandchild’s social media feed to yours. See what ads are showing up in their feeds compared to yours. The ads that are served in each member’s area are based on the information collected, the interactions they’ve had with various posts. This is why these social media platforms you frequent are free: they’re serving up targeted ads based on the information you’ve freely given to them. You’ll see the algorithms at work making assumptions about your likes, dislikes, age, and behaviors. I have stopped using certain social media platforms because of their blatant disregard for respecting people’s privacy. Remember, gang, anytime you get something for free, you are the product, and as AI advances, they will continue to use that information in ways you may not like. So be careful what you share. There was a show that Netflix released a few years back called “The Social Dilemma”. If you want to understand how all of this works, it’s worth a watch. CONTROL YOUR DATA AMAZON SubscriptionSo we know that our data is being collected, so It’s important that you get better control of your data. Eliminate subscriptions that aren’t necessary, and opt out of data sharing in terms of services or in the settings of the program itself. My iPhone has an option when using an app to prevent it from collecting data when not using it. How effective is that? I’m not sure to be honest, but some devices are at least making an attempt, if nothing else. The less data you authorize to be shared about you, the less likely your data will be uploaded as part of an AI’s training. Make sure you have two-layer authentication or an authenticator app’s protection on any critical accounts you log in to on the web, from medical records to banks to investment accounts. Banks and healthcare providers will offer different levels of verification or use an authenticator app. It will depend on your provider, but it is usually a feature of their websites. If it is, you should take full advantage of it. This will add a layer of security, reducing the chances that hackers may obtain the information which will likely be harvested in the future and tied to data already being stored on you. Also, consider a service to lock access to your vital data. You may think your files are secure on your computer hard drive, but they are just as vulnerable if your computer accesses the internet. Consider an external drive to house these documents and disconnect it from the computer when not in use. Printing super critical documents like tax returns, deleting digital copies, and storing the printouts in a vault or secure cabinet in your house is more secure than storing these documents on your hard drive or a cloud server. The same is true for your passwords and login information. Keeping these written out and locked away is more secure than keeping them in a file or simply letting your computer remember them in a file somewhere on your hard drive. It adds a step or two for you, but it keeps this vital data and information from being sucked into a hacker’s stolen data files, making it less likely to be part of an AI’s training. As I always tell people, anytime you put information online or on a device, it can eventually be hacked or access gained to it. PREP YOURSELF Army War TankIt may not seem like taking care of yourself and working on your self-sufficiency can protect you from AI, but it absolutely can. As AI platforms begin to replace routine human tasks, they will wield incredible power over our everyday lives. Over a third of experts believe that it is highly probable that AI will lead to a “nuclear-level catastrophe.” That’s not just a launched missile. As we know, a nuclear-level catastrophe can simply mean a water cooling pump on a reactor gets shut down while sensors tell human operators all is fine. The disaster doesn’t have to be nuclear level to impact your life. When a water pumping station, traffic lights, points of sale, or electrical substation is knocked offline by an errant AI decision, most will find themselves stranded where they are when that occurs, without necessary resources of food or water.  If the event is easily correctable, services could be restored in a few hours. If it cascades across multiple systems, will you be fit enough to get home to your preps? Do you have a Go-Bag in the trunk of your car with a set of sneakers in it? When you do make it home, and the tap and the light switches aren’t working, will you have the water, food, and energy you need to endure the offline disaster? As the routine operations of these critical infrastructure systems are increasingly given over in the future to AI systems to perform, our dependence on their smooth operation is an equally increasing vulnerability. Think of it like what would occur after an EMP or significant solar storm. All of these electronic systems you rely upon could fail. STOP SHARING & OPT-OUT Sharing Info OnlineWe’ve said this already a few times, but let’s get specific. Be cautious about sharing personal information such as your name, address, phone number, and email address online. If you don’t want your data to be used, don’t give it out in the first place. You should also read privacy policies and terms of service before using any online service or app. Look for information about collecting, using, and sharing your data, and opt-out where possible. Then, weigh the cost of that in the future versus whatever gain that online service or app currently would provide you in the present. Just the other day, I Google’d my name and was not pleased with all the information that I could easily find. I was able to request that data be removed, and fortunately those companies complied, but it was concerning to say the least. I would suggest you search your name on Google or Bing as you may not like how much of your personal information you find online. One way to protect yourself is to develop a different online and electronic profile. Consider setting up a second email address for subscription services or online profiles. Use one super secure email for your business and another for everything from gym memberships to entertainment services. This will help to keep your vital personal data separate from your lifestyle data. While your vital data may have things tied to it, like your date of birth, your mother’s maiden name, or perhaps even your social security number, your lifestyle data can have a different date of birth and other identifiers. If John is your real name and you want to sign up for a couponing site, use your lifestyle account and maybe the name Bob. Even though you opted out of sharing your data when you signed up at that site, don’t be surprised when in a few months, you get an email at that account unrelated to couponing and addressed to Bob as these sites often share your the data you give them. DON’T BE DECEIVED Personal Profile On Soc MedBeyond data, you must protect yourself from misinformation and deep fakes that these AIs can easily generate. Don’t believe everything you read. Don’t act upon unsubstantiated information, but research corroborating information to discern the real truth. We live in a time where vast amounts of information come at us with blinding speed, yet we still rely upon information to determine how we act and react to our world. Just as you protect your data, protect your thoughts and actions. Ask yourself the basic questions: Could this information I am reading or seeing be true? Do other, credible sources support this information? Has this source misled me in the past? Does this information require action on my part, or should I pause and seek out more details? AI can instantly create deep fakes that many will believe. Already it’s generating comments in threads on the internet and writing news articles. It has no obligation or commitment to truth. That’s going to be up to you to discern. We’ll very likely do a break video on this in the near future. IT DOES WHAT IT’S TOLD Human With An AIAI lacks personal opinions, emotions, or beliefs, so it also lacks any ethical standards. Forward-facing web chat openAI’s typically are coded not to provide legal, financial, or medical advice, harmful or sexual content, or fake news. They typically cannot offer opinions or advice on sensitive topics such as politics, religion, or personal relationships. This is only true for some AI systems, however. The output from a Chat AI is based on the programming it was created with and the wording of the prompts it is fed. Some AIs are perfectly capable of generating fake news and fictitious stories. AI platforms have no moral or ethical basis to provide accurate information to end users. You may not know about how AI is in your life or using your data. When you do, will it be because they made some process in your life easier or because they have inappropriately used your information or tried to manipulate you? Without a doubt, caution is needed in developing and using AI to ensure that these machines are used in a way that respects privacy, ethical standards, and human safety. Right now, those guard rails are nonexistent. Think about that for a minute. It’s not just the stuff of science fiction anymore. AI is here. As remarkable as that may be for some, its potential for harm is equally as great. AI experts believe human-level equivalent AI could exist within the next 100 years. The concept of artificial intelligence surpassing human intelligence may seem like something straight out of science fiction, but it could become a reality. If achieved, an AI system could select actions that enable it to reach its objectives and execute those actions. It could handle various tasks such as translating, practicing medicine, setting schedules, autonomously driving our vehicles, regulating infrastructure systems, creating illustrations, teaching, researching, providing therapy, providing national missile defense, or investing. According to a survey, more than half of the experts believe that human-level AI will be developed by 2061. However, in my opinion, it could be even sooner at the current rate of development.  I’ll be honest with you. Artificial intelligence is an exciting field that has a lot of tremendous potential to help forward humanity. When utilized to solve the world’s problems, innovate medicines, guide our space exploration, or help us understand the connections between things we simply can’t see because we are humans, AI has fantastic potential benefits for us. Before we get there, we will likely see several instances where AI unintentionally or intentionally harms us because it lacks any moral or ethical compass or is tasked explicitly by its creators to do us harm. You should prep yourself against these misuses of AI before your opportunity to do so passes. Again, I’ll post a link to another video I would highly recommend which covers practical steps you can take now to mitigate the impact of cyber warfare which expands and provides additional information on subjects we covered in this video. Have you learned anything recently that we didn’t cover that would help the community? If so, feel free to share it below.    As always, stay safe out there.   LINKS: Get Surfshark VPN at https://surfshark.deals/CITY – Enter promo code CITY for 83% off and 3 extra months for free! 5 Steps to Prepare for Cyber Attacks – A How To Guide: https://www.youtube.com/watch?v=b76rbD7nO1w  Cyber Warfare Survival Guide: https://courses.cityprepping.com/cyber-attack/  How To Prepare For the Collapse of The Dollar
  • Marti’s Corner – 110

    Marti’s Corner – 110

    Hi Everyone,

    Rocket Stoves!!!  These handy stoves are so cool!!!  With a few tools, you can make one yourself.  “I” do not have such tools, but you COULD!  Here are the instructions: 

    ROCKET STOVE: Build one with a #10 Can and Some Scraps!

    Now, if you know you do not have the tools or time, then you can buy one here for about $30: 

    Products – Premium Rocket Stoves

    Rocket Stove

    You can get all fancy schmancy and order one on Amazon.  But they are considerably more expensive.  This one is $99.  Like everything, you can get the deluxe model, but the Chevy model will do just fine.  This one is by Redcamp.

    Red Camp

    Along those lines, I am putting together some 72-hour kits and was looking for a small pan that I could include for cooking oatmeal, macaroni and cheese, etc.  I found this:

    Stainless Steel Camping Bowls With Foldable Handle  (300 ml/10 oz)

    Only $5.99!!!  It‘s JUST what I was looking for.Camping Bowl

    GARDEN HAPPENINGS:

    Let’s talk about mulch.

    I’ve tried grass clippings, but our cut grass has a lot of grass seeds in it, and when I use the clippings, I just end up Wood Chunkswith grass in the pots.  So I got this bright idea that I would put the grass in the oven and kill the seeds.  OH MY GOSH!  My whole house smelled like burned grass for days!!!

    I tried pine chips (like you get for hamster cages), but they don’t break down very well, and I wasn’t happy with them.

    I tried shredded paper, and it blew all over the yard.  We were scooping up shredded paper out of the pool and everywhere else.  Craig wasn’t very happy with that one.

    Wood Chunks From Lowes

    THIS YEAR, I’m trying shredded bark.  Be careful, and do NOT get the colored bark for landscaping.  It is made of scrap wood that’s been treated and painted with who knows what.  

    My first two bags of shredded bark literally had huge chunks of wood.  Not my idea of shredded.

    Pathway Ground Cover

    Yesterday I bought this at Lowes. I LOVE it!!!  

    I especially like the listed ingredients:  forest products.  I’m okay with that.  It was about $4.50 for this huge bag.

    But, having said all this, here is my gripe with mulch.  It is the perfect hiding place for pill bugs and earwigs.  Ugh.  I use Sluggo Plus for these critters, but they are just ALWAYS there!!!!

    THIS WEEK’S PURCHASE: tomato sauce, diced tomatoes

    You can get a 16 oz. can of tomato sauce for $.69 at Winco.  Get 20 cans and you are out about $14.  I always get the 8-oz. size.  I just use it more often.  A flat of these is 24 cans.  You don’t need special tomato sauce with spices – Italian or green peppers, or whatever.  Just add your own.  I add about 1/2 tsp of Italian seasoning if the recipe calls for Italian stewed tomatoes.  If it calls for crushed tomatoes, I just put my immersion blender right into the can and blend a little.  If the recipe calls for tomato juice, just dilute the tomato sauce with water.  

    MISC. PURCHASE:  Pancake mix.  I find this to be SO convenient.  I like the Krusteaz just-add-water type.  Because, well……….. you just add water.  Because I use it all the time (probably once a week), it gets rotated pretty well.  This pancake mix will NOT store for more than 12-18 months.  It has leavenings and fats that just don’t keep long term.

    Bisquick – this also has fats and leavenings but can be used to make other recipes like shortcakes, biscuits, etc. 

    Because these “mixes” do not store long-term, you probably should have a backup plan.  This would involve storing all the ingredients separately.  Still, that will include eggs (dehydrated or freeze-dried will work), oil…….and leavenings (baking powder and baking soda) which have to be rotated.

    FOOD STORAGE RECIPES:

    Homemade Bisquick Mix

        This recipe comes from thegunnysack.com

    • 4 c. flour
    • 2 TB baking powder
    • 1 tsp salt

         Whisk together

    • 3/4 c. shortening – Cut into the flour.

    Store in an airtight container in the refrigerator or freezer for up to three months.

    Pancake Recipe with Bisquick

    • 2 eggs – beat for 2-3 min until light and airy
    • 1 c. whole milk
    • 1 tsp vanilla

         Add to the eggs.

    • 2 c. bisquick
    • 2 TB brown sugar

         Add-In and whisk until combined

    • 2 TB melted butter – add

    Biscuits with Bisquick – makes 12

    • 4 c. bisquick
    • 1 TB sugar
    • 1 1/4 c. buttermilk

         Stir just to combine.  Roll out 1/2 – 3/4 inc. thick.

    • 1 TB buttermilk for brushing tops before cooking

         Bake on a parchment-covered baking sheet 425˚ for 15-20 min.

    • 2 TB melted butter for brushing biscuits after cooking

    Middle Eastern Rice with Black Beans

      (shared with permission from A. Jensen, whose son announced one day he was a vegetarian and she had to come up with new recipes for her food storage).

    • 1 TB olive oil – heat in a large saucepan over medium heat
    • 1 clove garlic, minced.  Stir into oil and cook 1 minute.
    • 1 c. uncooked basmati rice
    • 2 tsp ground cumin
    • 2 tsp ground coriander
    • 1 tsp ground turmeric

         Add, cook and stir 5 min.

    • 1-quart chicken stock
    • 1/2 c. dehydrated carrots
    • 1/2 c. freeze-dried celery (probably dehydrated will be okay as well)

         Bring to a boil.  Reduce heat to low, cover and simmer for 20 minutes.

    • 1 can cannellini beans, drained and rinsed
    • 1 can black beans, drained and rinsed.

         Gently mix beans into the cooked rice.  Season with salt and pepper.

     

    Marti 

  • Super El Nino – The World Isn’t Ready for What’s Coming This Summer . . .

    Super El Nino – The World Isn’t Ready for What’s Coming This Summer . . .

    “A change in the weather is sufficient to recreate the world and ourselves” – Marcel Proust. Scientists and meteorologists are predicting that we are shifting into an El Niño pattern this year.  While that in and of itself is not overly problematic, there’s a growing concern based on collected data that we may be shortly entering into a “Super” El Niño weather pattern.  This change in weather introduces several significant issues which will have a dramatic impact on many of us in profound ways.  In this video, I will explain why you should be paying attention to this to this weather phenomenon, what to expect, why it matters, and most importantly, how to prepare for it. The Transition Moon At NightBefore we dive into the discussion of a “Super” El Niño, we need first to explain: the transition.  Following the end of La Niña last month, we transitioned into a state of “ENSO-neutral” conditions, indicating the absence of both La Niña and El Niño. These neutral conditions were originally projected to continue until the summer or early fall.  They have reliably lasted that long in the past, but we are seeing some shifts in weather patterns in recent years.  Numerous forecasters are beginning to indicate a change in the timeline of the weather patterns.  Based on multiple data points revising their model, they are now predicting, with a 62% chance of occurrence, that El Niño will develop between May and July, replacing the neutral conditions. If not during this period, the probability of El Niño forming by autumn is even higher, estimated to be between 80% and 90%.  We will know more by August, but here’s the main takeaway from this: if these weather patterns change along these projected timelines, expect all the storms, heat, cold, or wind to be of greater intensity.  As we head into summer with a potential earlier start time of the El Nino weather pattern, this summer will very likely be hotter than average, which we’ll cover in just a moment.  But before we do, let’s take a quick look at what these changing weather patterns will mean. What It Means By Location Windy WeatherTo simplify the understanding of this cyclical weather pattern, trade winds blow west along the equator during normal Pacific Ocean conditions, taking warm water from South America towards Asia and causing cold water to rise from the depths, called upwelling. However, we are now transitioning into the El Niño pattern, which weakens the trade winds and pushes warm water back east, towards the west coast of the Americas. As a result, the Pacific jet stream shifts south of its neutral position, leading to dryer and warmer conditions in the northern US and Canada. At the same time, the Gulf Coast and Southeast experience increased flooding. During El Niño, Atlantic hurricane activity tends to be suppressed, resulting in fewer hurricanes than usual forming in the Atlantic from August to October. In contrast, during La Niña (the weather pattern we have just left), trade winds are even stronger than usual, pushing more warm water towards Asia and Australia, leading to a northward jet stream shift. This weather pattern results in drought in the southern US and heavy rains and flooding in the Pacific Northwest and Canada. Additionally, La Niña tends to cause warmer than average temperatures in the South and cooler than normal temperatures in the North during winter. It also increases the number of hurricanes that develop in the Atlantic and allows stronger hurricanes to form. What Will Be The Impact? Plant DestroyedThe predicted ‘super El Niño’ could have catastrophic consequences for our food production. While drought remains the primary risk, El Niño can unleash a range of severe weather conditions, including heavy rainfall, flooding, and extreme heat or cold. The resulting outbreaks of animal diseases, food-borne illnesses, and plant pests could cause a significant collapse in food supplies. Recent avian flu outbreaks have already caused a reduction in wild bird populations, leading to an explosion of insects. If we’re indeed in store for a super El Niño, we can expect crop failures, insect infestations, and plant blight to become increasingly widespread. It’s becoming increasingly clear that we may be witnessing the end of the agricultural green revolution. Even if you don’t experience the devastating effects of wildfires, droughts, floods, or extreme weather, you’ll undoubtedly feel the repercussions of a failing food supply chain. As a prepper, it is critical that you take action now and start getting more local with your food resources. Overall, ensuring our food supply against crop failures requires a holistic approach that involves improving our agricultural practices, diversifying our food sources, and supporting local food systems. Start growing or producing at least some of what you eat, learn to preserve and store food, and cook and eat from your preps. A super El Niño will be catastrophic for our food supply, and it’s vital to prepare for the worst. While we may have an inkling of how bad it will be this year, we should be prepping for the worst-case scenario right now. What You Should Be Doing Woman Storing FoodYou could join the chorus of experts, pundits, fossil fuel detractors, or proponents, but that won’t leave you any better prepared for extreme weather.  Let me use an analogy to explain this.  Let’s say you and a friend are walking on long-abandoned train tracks when you hear a train in the distance.  You begin to argue with each other about when the tracks were last used, whether that really is a train you heard and whether it’s really on your tracks.  After a while, you see the train’s headlight and feel the rumble of its approach in your feet, but still, you stand with your friend on the tracks and argue whether it’s a real train and when the last train came through on the tracks.  There are only two possible conclusions to this story, either you prep for the coming train by getting off the tracks, or you get run over arguing about when the last train came through. Unlike your great-grandfather, you probably flip a switch for your electricity that is generated someplace else and travels across miles of thinly strung wire.  Unlike his generation, you probably just turn on a faucet that connects to a carefully regulated and cleaned water supply instead of lugging pales from the well spigot.  Unlike those who lived a century or more ago, you probably don’t grow and raise most of your food but instead, have it shipped hundreds of miles to electrically cooled refrigerators in grocery stores that have less than 72 hours’ worth of food for a fraction of the population in their vicinity.  If the system you live in now experiences one of your ancestor’s significant weather events or one that’s even bigger than anything they experienced, expect everything to fall apart and stay broken for quite some time.   So, to answer the question of what you should be doing–you should be prepping as if you are walking on abandoned train tracks and you hear a train coming.  You should be prepping to put in place the resources that your ancestors put in place to make it through their uncertain times.  Stored food and water is a start.  Being able to produce some of your own energy after a disaster or prolonged down period is an added plus.  Having basic medical skills and kits to endure whatever disasters a super El Nino can throw at you will put the odds back in your favor. Prep What Fails Water From FaucetWhen flood conditions occur, it’s not uncommon for sewage or chemicals to contaminate water supplies.  You should have the means to filter and treat water, but you should also have stored water.  Not to sound the train whistle for you again as a warning, but just last week, Fort Lauderdale, which normally receives 70 inches of fresh rain every year just received more than 25 inches of rain in 6 hours.  The city is warning that “Some residents may see water backing up due to pressure building in the sanitary sewer lines. This is called surcharging and is caused by the flooding.” Even when there’s plenty of water, you must have water you can actually drink and use.  Some assume because they have a water source nearby, such as a river or well, that they’ll simply be able to utilize this option.  But when it becomes contaminated, it may be beyond your ability to process it.  This is why storage is so important. When these extreme weather events occur, you can’t run to the grocery store and pick up what you need for dinner. After the deadly Buffalo blizzard just four months ago, many families were scrambling to find food to feed their families. Others had so much food that they opened their doors and fed hundreds of desperate people.  Which will you be when the storm comes? Think about all the little services you depend upon, from electricity to cook or for light to see to urgent care or an emergency room to patch you up when you are injured.  Imagine those services are gone– no firefighters, police, or EMTs can reach you.  What basics do you need to prep to survive for a few days until services are restored?  Minimally, put that in place.  Ideally, prep for a couple of weeks or months on your own.  I’ve got several videos that cover these issues, from water storage to filtration, food storage to cooking, and generators to off-grid renewables.  I’ll put links to those playlist below. As these weather patterns shift ahead of schedule, make sure you adopt a long view of them and how they can instantly and dramatically impact your life.  Prep for the most obvious things that will befall you.  In this case, it’s the extreme weather that will happen to you.  It will likely be experienced by you far worse than your great-grandparents experienced anything similar.  If you have ever heard their tales of how they survived, why would you think something similar or worse couldn’t happen again?   As always, stay safe out there.    LINKS: Start Preparing – Introductory Guide – https://courses.cityprepping.com/get-started/ 
  • Marti’s Corner – 109

    Marti’s Corner – 109

    Hi Everyone,

    Head on over to Our Prepared Community on Facebook and find all kinds of treasures!!!  I found this:

    Evacuation Preparation

    Here’s the thing…. I can’t remember this stuff, so I’m going to write it right on my emergency evacuation list!  

    As a reminder, that list doesn’t have to be fancy.  Mine hangs on the inside of my pantry door. 

    No comments about what is on my list.  My husband and I argued for 30 minutes about what should be on the list and I finally made the list without him.  If he doesn’t like it, he can make his own list!!!!

    Take some else’s advice and prepare for that inevitable earthquake

    I wasn’t ready: What I learned during the 1994 Northridge Earthquake | DPS News

    Preparedness Table

    GARDEN HAPPENINGS:

    Yellow Stripey Things

    I LOVE this time of year in the garden.  Everything is growing and is green.  Give it a few months and everything will be full of bugs and dying from the heat.  Soooooo, once again we ask the question:  They why do we bother?  My answer:  Practice!  You learn what grows well in your city, even what grows well in different parts of your yard.  What kind of insects do you have to battle?  For example, I do not get squash bugs….ever.  Or Japanese beetles.  I also don’t have to worry about deer, or rabbits, or gophers.  Even the squirrels are not a problem – at least at my house.  But our summers are brutal and keeping everything alive is a challenge.

    I’ve learned how to harvest and save seeds, even from lettuce and how to prune tomato plants.  

    Every year is a giant experiment that depends on the weather, the bugs, and my diligence.  But there is NOTHING as good as fresh garden food!

    THIS WEEK’S PURCHASE: 20 cans of tuna fish

       Don’t like fish (A.M. you know who you are!), get canned chicken or beef.  Of course, you can get tuna anyway and hand it out when beggars come to your door.  Just a thought.

       I grew up on tuna casserole:  pasta, tuna, Cream of Mushroom soup.  

    MISC. PURCHASE – clothespins

    I bought clothespins for the first time a few years ago.  NOW, I use them for EVERYTHING!!  I use them a lot in the garden.  I use them to attach the shade cloth to the pots, or the bird netting to the blueberry bushes.  I use them to clip up my blackberries.  I use them to close bags of chips.  And did you know that in the OLD days, we actually used them to hang clothes on the line.  

    FOOD STORAGE RECIPES

    Enchilada Sauce

    From Ree Drummond on the Food Network

    I don’t use enchilada sauce often, and usually have 3-4 cans on hand.  But…… in case I need it, I have the vegetables already dehydrated and this shouldn’t be that hard to do.

    • 1/4 c. finely chopped red bell peppers
    • 1/4 c. finely chopped onions
    • 1 TB finely chopped garlic

        OR use reconstituted dehydrated vegetables

    Heat 2 TB olive oil in a saucepan.  Add the peppers, onions, and garlic and cook until soft, about 2 minutes.

    Add:

    • 2 tsp chili powder
    • 1 tsp cumin
    • 1/4 tsp cayenne pepper
    • 1 beef, chicken or tomato bouillon cube
    • salt and pepper

        Cook until the spices darken and their flavors are released, about 2 minutes.

    • 1 TB flour – sprinkle in, stir to combine and cook for another minute
    • 1 15-oz. can tomato sauce
    • 1/2 c. chicken stock
    • 1 1/2 c. water

         Bring to a boil.  Cook until the sauce is nice and thick and reduced by about a third, 5-10 minutes.  Allow the sauce to cool slightly, then use an immersion blender to completely puree the sauce until smooth.  (You can also pour it into a blender to puree).  The sauce will keep in the refrigerator for up to a week and can also be frozen.

    Chicken Tortilla Casserole

    Ree Drummond – the Food Network

    This uses the enchilada sauce from above.

    • 1 1/2 c. rice – prepare with 3 c. water.  Cook and set aside
    • 2 TB olive oil
    • 1 large onion diced
    • 3 cloves garlic minced

          Saute in the oil for a minute or two

    • 2 cans diced tomatoes
    • 2 tsp chili powder
    • 1 tsp paprika
    • 1 tsp cumin

        Stir and cook for another minute or two to release the flavors.  Transfer to a bowl and set aside.

    In the same skillet:

    • 2 TB olive oil
    • 2 boneless, skinless chicken breasts, cut into bite sized pieces
    • 2 tsp chili powder
    • 1 tsp paprika
    • 1 tsp cumin
    • salt and pepper

         Cook until the chicken is deep golden brown and done in the middle.  4-5 minutes

    • 1 c. water – add and stir to make a sauce.  Allow the sauce to boil until reduced by 1/2, about 2 minutes.  Stir in:
    • 1 can pinto beans, drained and rinsed
    • 1 can kidney beans, drained and rinsed

    To assemble:

    • 1 jar salsa verde – pour about 1/2 of the jar in the bottom of a 9X13 casserole dish.  Layer
    • 6-8 flour tortillas (can use corn tortillas)

        Layer the tortillas over the salsa overlapping the edges.

    Spoon the rice over the tortillas

    Spread the tomato mix over the rice

    • 1 can corn drained – sprinkle over the tomatoes

    Add the chicken and bean mix

    Sprinkle on

    • 3/4 pound grated cheddar jack cheese

    Pour 1/2 of the enchilada sauce above

    Add the 6-8 more tortillas in a layer

    Pour the remainder salsa verde and enchilada sauce

    Sprinkle the rest of the cheese

    Cover with foil and bake for 20 min.  Remove the foil and continue baking another 15-20 min.  Serve with sour cream and cilantro for topping

    Cheesy Mexican Cornbread

    From the Whole Grains book by Betty Crocker

    • 1 1/2 c. cornmeal
    • 1/2 c. flour
    • 1 c. shredded Monterey Jack or Cheddar cheese
    • 1/4 c. sugar
    • 2 tsp baking powder
    • 1 tsp salt
    • 1 tsp chili powder
    • 1/2 tsp baking soda
    • 1 c. buttermilk
    • 3 TB vegetable oil
    • 2 eggs
    • 1 can cream style corn
    • 1 can chopped green chiles, well drained

         Mix all ingredients and beat vigorously 30 seconds.  Pour into a greased 9 inch round cake pan, or a greased 8 inch square pan, or a 10 inch ovenproof skillet sprayed with cooking spray.

         Bake the round or square pan 25-30 min, the skillet about 20 minutes until golden brown.  Serve warm.

    Author’s Note:  This bread is a good choice to serve with chili, bean soup, or any stew.

     

    Marti 

  • How To Prepare For the Collapse of The Dollar

    How To Prepare For the Collapse of The Dollar

    Lately, the discussion of the dollar’s collapse has come up quite a lot.  I’ve had people reaching out unsure about what to do with their money as they’re afraid the US dollar is about to collapse and their hard-earned money will suddenly lose its value.  And you’ve probably been bombarded with individuals suggesting now it’s time to transition all your money and savings into precious metals.  And they’ve conveniently provided you with an affiliate link or coupon code, of course. So, what’s really going on? Should you be worried? Are people simply trying to sell you on fear, or is there a real possibility that the US Dollar is on the verge of collapse and we should all be transitioning out of the dollar to a safer currency or over to a tangible asset to shield us from the dollar’s ultimate demise?  And more importantly, what, if anything, should you be doing at this time to prepare if the US Dollar is indeed on the verge of collapse?  In this video, I’ll try to cover all of these questions as quickly as possible, but before we answer these questions, we need to start by answering the question… What is a Reserve Currency? US Dollar CurrencyA reserve currency is a foreign currency that is held in significant quantities by central banks or other monetary authorities as part of their foreign exchange reserves. The reserve currency can be used in international transactions, international investments, and all aspects of the global economy. In a nutshell, this is a foreign currency held and used in multiple nations to transact between other countries due to its recognized stability.  Since 1944, the world’s reserve currency has been, you guessed it, the US Dollar. Why is everyone suddenly getting worked up about the potential demise of the dollar?  What’s happening on the world stage that is concerning people?  We’re seeing China, the world’s new emerging super power make very direct and moves to try and upend the dollar’s dominance in agreements like BRICS, something we’ve covered on the channel before.  A more immediate threat the dollar is currently facing that isn’t being discussed as much as it should be is the debt ceiling.  At the moment, there’s talk in Congress that the debt ceiling will not be raised in this next round.  Now, this threat has happened multiple times before, and each time, it was raised.  But this current Congress is like no other in recent history and we watched all types of norms shattered when they tried to find a leader of the house of representatives.  If Congress does not address this issue when it comes up for a vote, it could shake the world’s trust in the dollar, which would have incredible ramifications eroding the world’s confidence in the dollar.  So there are very real threats the dollar is facing.  And to be fair, has the dollar faced threats in the past?  Yes, of course, yet it has still stood the test of time. Of course, you may ask, so what?  What difference does it make to me if the dollar is no longer the world’s primary reserve currency.  Well, if that happens, you would see mayhem in the markets.  Your retirement accounts would be decimated.  You’d see a massive spike in interest rates to the point that getting a loan would be all but impossible except for the ultrawealthy.  This would freeze up the markets, and nations would bail on the dollar switching over to the new reserve currency or at least the dollar’s position would be severely erroded.  Obviously, none of that is good news for the nation issuing the currency, in this case, the US.  So, are we really at a point in all of this that we should be concerned that this will happen anytime soon?  A quick side note, I did ask you, the community, if you thought the dollar would lose this position in the next 5 years.  At the time of recording this video, 53% responded that it absolutely will happen with 33% of you giving it a 50/50 chance of happening. So where do I stand on this issue?  This is where, if we’re all being honest, we fall into speculation.  I will say that there are a couple of voices I am currently listening to and studying, namely Ray Dalio and Peter Zion.  They present information in various ways and I will say that while they differ in where they see things going over the next few decades, specifically in regards to China, they both agree that this will be a time of great upheaval and change, which is the important point that I am currently focusing on.  The dollar’s current status will likely not be spared in the process of change.  While it is a possibility that the US Dollar may still serve as A reserve currency alongside another currency (and this has happened before in history), I don’t (and again, this is speculation from my perspective), I don’t see it losing its complete status as a reserve currency any time soon.  But I could be wrong, and this is not a hill I’m going to try and die on nor will I argue with you if you have a different view.  I’m actively studying this and I can see various paths this whole situation could take.  Time will tell.  Instead, like you, I’ve come to the conclusion that it’s in my best interest to prepare for a tectonic shift in the coming years which leads us to the point in the video where we try to answer the question: what should I do to prepare for the end of the rule of the Dollar as the world’s reserve currency?  Because if it were to happen over a short or long period of time, it would have a profound impact on us all. So, here’s what I’ll do. I’ll openly share the personal approach I’m taking at this time.  I’m not going to get into generic financial advice, but instead focus on real things you can (and should be) doing.  You may say, “Oh, so YOU ARE preparing for the demise of the dollar!”  Not exactly.  I don’t tend to focus on one thing as the reason I prepare.  For example, my preparedness strategy is not centered around one threat, but rather I look at this from the perspective of some things could happen and some things I am concerned about may never happen.  As such, I have learned to implement prepping strategies that allow me to cover a multitude of threats, and when it comes to the demise of the dollar, the same approaches apply.  I think going into this solely focused on one issue being the main threat really puts people in a difficult place if that one thing never happens.  And before I share what I’m doing, let me point out one important thing you need to watch closely: the people that are yelling the loudest that the dollar is going to collapse also typically have a product to sell you.  It’s always the same.  Just watch, wait, and listen.  They’ll have a link in the description or comment section or a coupon code to a website that sells a product that will ensure your investments are safe.  This is why you’re seeing so many in our community promote precious metals.  And trust me, they’re getting a substantial kickback preying on people’s fears.  I’ve gotten multiple emails in the last 6 weeks from various precious metal companies asking me to promote their products on my channel.  Some have even shared how much some of these other channels have made in the last quarter as a way to try and entice me.  And let me say, it’s a lot of money.  But let’s get back to the main point here: let me share with you what I’m personally doing for this possibility of the dollar being dethroned (along with so many other threats we’ll be facing in the coming years). Practical Things To Do To Prepare You’ll notice these things I’m outlining apply to almost any scenario where you’re preparing for the worst post scenarios to potentially play out.  These are the approaches I am currently taking and actively working on.  If the world as I know it was about to flip on its head, here’s what I would tell anyone to do to prepare.  These are practical approaches, and you’ll see I purposefully avoid specific financial advice that is speculation. So here we go: Woman JoggingTake care of yourself.  Exercise and eat healthily.  If you lose your health, you’ve lost everything.  Out of shape or overweight?  Find a diet and exercise.  I know that’s incredibly over simplistic, but it’s the truth.  Your health will be everything.  Your ability to work and move to handle tasks will be tied to your physical wellbeing. Man StudyingWork on self-sufficiency. You need to develop the ability to produce your own food and energy and the ability to harvest water.  I’m currently investing in building up my growing space on the side of my house to increase my food production and am actively working on learning new grow techniques.  I’ve got a solar setup with an off-grid battery system that would allow us to power our house if the grid went down and I’ll be expanding it later this summer.  I’ve got a rain harvesting system and will be expanding it here shortly.  People Planning FutureEducate yourself about economics and finance: Understanding how the global economy works and staying informed about financial news and trends can help you make informed decisions. When I got serious about finances, I started off reading Robert Kiyosaki’s old financial books, which dramatically changed how I view finances.  Maybe you are more conservative financially, and someone like Dave Ramsey or Suzy Orman might be up your alley.  Whoever you listen to, educate yourself and here’s the important part: build a plan.  Like point #1: when trying to loose weight and get healthy, I focus on a proven plan and work it.  Finances are no different.  If you don’t have a plan, you’ll be wandering around aimlessly wasting your time and money…a commodity that you won’t be able to waste. LearningInvest in yourself.  What do I mean by this?  Over the years, the best thing I’ve done for myself is to learn new skills, to push myself and try never get comfortable on what I know.  The future is going to favor those that are adaptable and willing to learn and change.  There’s plenty of websites that allow you to learn a new skill.  While I have no affiliation with them, Udemy.com is a very popular platform.  A lot of people are increasingly leaving the normal college model to instead focus on marketable skills they make them stand out. Money In A JarBuild an emergency fund: Building an emergency fund is always a good financial practice, regardless of the economic situation. Having a cash reserve that can cover your living expenses for several months can provide a safety net during times of economic uncertainty. If you lost your job or the markets crashed, you’ll be glad you have this. Diversify sources of income: Relying solely on one source of income can be risky in times of economic uncertainty. Consider diversifying your sources of income, such as having multiple streams of revenue from different jobs, investments, or side businesses. Over the years I’ve built various income streams and there’s times where one will produce and others will not.  Being tied to just one source on income can really put you in a difficult situation if it gets cut. Counting Money 2Reduce debt and liabilities: Reducing your debt and liabilities can help you weather economic uncertainties more effectively. High levels of debt can become burdensome during economic downturns, as interest rates may rise or job security may be compromised. Paying off high-interest debts, such as credit card debt or high-interest loans, and minimizing liabilities, such as unnecessary expenses or liabilities from investments, can help you improve your financial resilience. Do these tips sound boring?  But where’s the product I’m trying to sell you?  Where’s the link to a precious metals website?  There isn’t any.  You need to take care of, invest in, and educate yourself.  You need to get to a point that if the dollar truly does collapse, you can put food on the table, harvest your own water, and produce your own energy.  These things we take for granted now may be a luxury or simply expensive in the future.  These are all things I’ve done and am actively working on daily.  There’s not exciting, but they put me in the best position possible if things do go sideways. So, where’s the advice about stocks, 401K’s, real estate, precious metals, cryptocurrencies, etc?  That’s where we venture into speculation.  When we discuss items that may or may not go up in value or outpace inflation, or survive the demise of the dollar, you move into speculation.  What is speculation?  It is defined as “the forming of a theory or conjecture without firm evidence.”  Will the stock market continue on an upward trajectory for the next 5, 10, 15, 20 years?  Maybe, maybe not.  Over the last 80 years, it has outperformed most commodities.  Will real estate hold it’s value forever?  Will precious metals outpace inflation or be of any value in a failing market?  Will crypto beat out the stock market?  Anyone that can tell you with a firm answer “yes” on any of these items is, you guessed it, trying to sell you something.  Does that I mean that I don’t hold any of these items?  No, quite the contrary.  I invest in all of them, but I realize there’s risk with each which is why I diversify.  And I think there’s value in all of them, but you need to come to your own conclusion on what you invest in financially.  Obviously, you can meet with a financial advisor, but they sell products, and they’re going to recommend the product that makes them the most commission.  And again, there’s nothing wrong with investing in financial products.  I do an annual contribution to a SEP IRA as there’s a lot of tax benefits.  If the dollar doesn’t collapse, or everything doesn’t go to hell in a handbasket in my lifetime, then I’ll have financial means to take care of me and my family.  But, as a prepper, the practical things I listed out are the things, that if the dollar truly collapses (or any other major event for that matter happens), I’ve put myself in the best position possible. How are you preparing for the potential collapse of the dollar?  Please share with the community below.  How much have you really considered these issues? I’ll put links to some resources in the description and comment section below if you want to follow up on this more. As always, stay safe out there.   Additional resources