Hard-Core Financial Preparedness—Part 1

Desperation Reigns Supreme

[caption id="attachment_4933" align="alignright" width="300" caption="hard money lending photo c/o peachstonecapital.com"][/caption]

Many years ago I frequently rubbed elbows with the hard-money world of commercial lending.  As an expert educator in the world of commercial finance, I simply could not have a functioning knowledge of the industry without being exposed to what was known as “hard-money lending.”  Hard-money loans typically come with some steep prices.  The first fee one would usually have to pay is an “application fee.” This particular fee is

Prologue to Hard-Core Financial Preparedness

[caption id="attachment_4924" align="alignright" width="300" caption="Many people have lost their homes due to sub-prime mortgages photo c/o www.hpadesign.com/"][/caption] Question for you. If you could have predicted the sub-prime mortgage crash and had been able to be better prepared for the consequences, would you have taken any action to do so?  The preparedness could have been in the form of buying stocks/insurance to hedge against the crisis, or it could have been paying off debts in a alternative strategy, etc.  The point is, being forewarned of any serious financial disaster is critical, right?  Well, at the risk of sounding a bit “gloom and doom” I’m sharing with you briefly that over the next two days I’m

Food Preparedness—the Center of Joy

At the age of 6, I was doing dishes and cooking meals on my own.  Yes, looking at my young nieces and nephews now, I agree that 6 years old is quite young to be doing such tasks, but I didn’t feel like a kid at that age. Mom was a single mother of three at that time and so we all had to pitch in and I can honestly say that today, I’m so grateful that she did.

[caption id="attachment_4908" align="alignleft" width="300" caption="Children cooking photo c/o www.umbriacooks4u.com"][/caption]

I’ll never forget the first thing I ever cooked—Kraft Macaroni and Cheese.  I was looking forward to surprising Mom when she came downstairs.

Everyday Freedom Preparedness

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Some time ago I was giving a class on the area of Mental Preparedness. Just as a reminder, the area of Mental Preparedness is about the acquisition of knowledge, mental fortitude to do what you’ve got to do to keep your family safe and secure, as well as the pursuit of honing your knowledge into skills. One of the things that I regularly teach about is the reconstruction of our nation if such an instance ever becomes necessary.

Preparedness on a Budget

by Kellene

[caption id="attachment_4883" align="alignleft" width="300" caption="Filling your preparedness pantry doesn't have to cost a bucket load of money. photo c/o www.mcdowelltech.edu"][/caption]

While perusing advertisements for “emergency preparedness” supplies, I saw some pretty hefty price tags just for a year’s worth of food. This doesn’t count the bucket loads of money that one could spend on other gadgets like a solar oven, pressure cooker, first aid supplies, etc. So, let’s get real.  What can a person with only a few hundred bucks a year do to increase their state of preparedness?  Well, here are a few of my suggestions.

Carjacking Preparedness

by Kellene

[caption id="attachment_4875" align="alignright" width="300" caption="Safety in a carjacking situation photo c/o www.womenofcaliber.com"]Safety in a carjacking scenario[/caption]

Recently there was a rare occurrence of a car jacking in the State of Utah.  In the name of everyday preparedness I thought I’d address this crime, which is actually rampant elsewhere in the nation and thus should be properly addressed to ensure maximum safety of you and your family.  The good news though is that there are several simple ways you can protect yourself from being a carjacking statistic.

Preparedness Success

Throughout the last several weeks of writing for this blog, I have repeatedly addressed why the term “emergency preparedness” does not generate genuine attention and interest from the majority of persons around us.  Today, I’d like to address the scientific reasoning behind that rationale a bit more in depth as I’ve been sharing in some of my classes as of late.  I think it may help us all better realize why trying to prepare for an emergency is a self-defeating approach to readiness.

Are you expecting a business meeting to let you know of an impending disaster? photo c/o people.uwec.eduImagine that you are a well-paid executive in New York City in September, 2001.

Excuse Me. Is This Your Worm?

Can you imagine walking along the shores of a fresh water lake, seeing some fossilized algae and saying to yourself, “Hmmmm. I think I’m going to try and eat this?”  Or worse, how about someone who notices that this fossilized algae kills insects and then decides to eat it?  Crazy, huh?  I don’t know how things like Diatomaceous Earth ever get discovered, but I sure am glad they do.

[caption id="attachment_4846" align="alignleft" width="300" caption="Diatomaceous Earth--a microscopic view. photo c/o www.holocaust-history.org"][/caption]

With Diatomaceous earth, you have one of the most wonderful natural remedies for removing all kinds of toxins in your body AND a highly effective remedy at eliminating pesky bugs from your home, garden, and stored grains.  Allow me to take you into the world of Diatomaceous earth today.