Tuesday, March 01, 2011

we have a choice?

WE HAVE A CHOICE?


“There is no moral virtue in being Spartan when you are selecting equipment on which you may have to rely for food and protection over an extended period of time.”

“The fact that some people might be able to muddle through with nothing but a .22, a 30-06 and a 12-gauge shotgun does not mean that such arms are enough, any more than driving cross-country on a set of bald tires can be regarded as sound practice.”

Mel Tappan, “Tappan On Survival

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There are of course a few weasel words to the effect that “if you can at all afford them…”. Nonetheless, the above two quotes are basically the holy mantra of most survivalist teachers/gurus/writers. Yes, of course the above is true. It is also true that an uneducated prisoner incarcerated at Alcatraz devoted years of his life to understanding the birds he observed and at the end was regarded as one the worlds foremost experts. All it took was his undivided attention and a lot of time. You, too, can have the perfect survivalists set-up. All that is required is devoting your entire life and financial resources to it. Okay, this kind of devotion isn’t necessarily a bad thing. Your job most likely either sucks disease engorged monkey testicles or is as worthless as a Twinkie at a bulimia convention. Having an extracurricular activity will give your life some meaning. But financial it is almost impossible. Granted, I could almost do it on minimum wage ( given enough time ). But I have better control over my finances than many. Most people can only halfway control their wages, due to spouses and children. Nothing wrong with that. To speak nothing of their previous commitments given before their understanding of the unraveling. No blame there, either. You weren’t stupid or uneducated. Rather, you were lied to all your life.

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I can’t remember who did it, but not too long ago someone made a list of a conservative budget. I’ll try to largely duplicate it.

Two incomes, $15 an hour each. Forty hours a week, less 30% taxes ( federal and state ). Call it $44,000 a year take home. $3500 a month. A modest home mortgage will be at a minimum of $1500 after taxes and insurance. Two grand left. You don’t get $15 an hour without college or Union. Since there are few Unions left, let’s assume two sets of reasonable student loans. $400. You need two cars to commute to work. The cheapest Korean compact will be about $200 a month each in payments. Add in $200 for insurance and registration. We’re down to a grand. Gas at $3 a gallon, even at a reasonable small commute is $120 a month for both. Even if little eating out is in the budget, count on at least $400 a month for food. Two cell phones, a cable bill, telephone are at least $200. If they live in a warm climate, they can still expect to pay $100 in electricity, gas, trash, water and sewer. This leaves basically a hundred bucks a month discretionary income. Before any kids come along. For a professional couple not wasting much at all in the way of money, not even factoring in entertainment beyond the glass teat. No hobbies, no vices such as cigarettes or drinking. On a gross of over sixty grand.

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This is what they went to college for, to work for all the other parasites out there. College is only a paying proposition for a few select jobs ( and those are perilous, such as a doctor paying a hundred grand in malpractice insurance or an engineer seeing all the jobs go over to China ). It is certainly not the path to riches. It is a path to unplayable debt and wage slavery. Anyone shrilling for collage-as-salvation is either room temperature IQ stupid or out to screw you ( more often than not- I’ll admit to some exceptions ). At one time, the middle class way was a comfortable existence for those that paid the price. Now it is just a faster way to the unofficial debtors prison. And even if you worked your way up to college level wages without the school, just substitute tuition debt with credit card debt as the norm. It is easy enough to do, quite quickly and with almost nothing to show for it, just like your liberal arts degree. No one blames you for being duped, but the problem with it, besides its own limitations, is that once you wake up to the dangers coming at us, you are stuck. You have no way to do anything other than “choose a Spartan path” or “muddle through” with inferior equipment. You already live without much entertainment, and the bills are largely fixed. You are already living pretty basic. If you cancel the cell phone the prepayment penalty bites you in the ass. And usually the same with a cable bill, anymore.

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None of this would matter if you had decades to prepare. You would do whatever necessary to cut one expense then use that freed money to pay down another, etc. Eventually you get back on your feet and can prep well. And, hey, since this worked for the Yuppie Survivalists the last thirty years, it must be okay to recommend this to you, right? Wrong. Take the US oil production since its peak, apply it to the world and we don’t have another thirty years. If we hadn’t imported our oil, turned half our corn into fuel, found oil in Alaska or the Gulf Of Mexico or outsourced our economy to China we would be at African craphole status right now. We wouldn’t be killing each other with rocks, but we would be starving in slums while the secret police tortured the survivors of helicopter gunship attacks. Most would be living next to an open running sewer, at best. Our oil supply would be far below what it is today. The world peaked in oil. There is no more finds like Alaska to save us. We can’t go from manufacturing to financial manipulation on a dominant currency like we already did. We are already seeing a return of food riots like in 2008. No more food will be turned into fuel, at least not without it being mixed with blood. What other rabbit can be pulled out of the hat?

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In short, you have wasted your life for The Man, and he won’t leave you any resources to prepare for a collapse of His making. You have little choice but to prepare Spartan. And he won’t leave you much time to do it.

END
The Official Bison Web Site http://www.bisonpress.com/

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My e-mail is jimd303@netzero.com
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13 comments:

Anonymous said...

Thanks, once again, for the morning 'pick me up'! Should I get back to work, or just shoot myself in the head right now??

There is only one Bison. Thank God for that.

Anonymous said...

The phrase "something has to give" comes to mind. You are spot on that there is simply not enough money in most people's budget to do the standard, imitate-upper-middle-class things that we are asked to strive for (by the people selling those things). The only way to get by is to find a cheaper way to deal with housing or transportation or something to free up the budget, otherwise you are a rat running on a little wheel but not going anywhere.

By the way, if everyone interested in prepping had "a .22, a 30-06 and a 12-gauge shotgun" I think we'd all be on pretty sound ground in terms of hunting and self defense. It is a ridiculous assertion made by old Mel that this is the equivalent of driving cross country on bald tires; more like driving cross country on good tires with a marginal spare in the trunk.

russell1200 said...

You are slightly below my county's median income but pretty close.

It is an excellent illustration of how if you control your expenses your cashflow can go up dramatically.

I have had car payments in the past. But once I paid for the car, I drove it until it dropped. In your scenerio that would give you $200 more a month.

Around here, you can go to a tech school for two years. At the end of that 2 years, you can apply to one of the State Universities. They will accept all your credits, and you are more likely to get in because they view you (after 2 years of work with good grades) as a serious student. I know people who worked their way through their first two years, and only took of two years to get the final two years toward their engineering degree. So at almost half the cost they have a real degree and are readily employable.

If you took this route you would have (at least) the income but only half the the student loans: Add $200.

Rent is still a bargain around here versus owning. If you rent a place appropriate for two people you could probably improve your cash flow by another $500.

So you have $700 to $900 month more cash flow. But you are correct, that is not what people do.

Anonymous said...

Jim

Sorry, but your numbers are wrong.

Using the 2010 taxes:

60,000k gross would pay a fed tax of$5600. Standard deductions. (Taxes are paid on taxable income not gross income)

That leaves $54,000 before state taxes.

I know that every state is different, but let's use my state rate +/- 6% and it's rules as a general guideline.

Most states tax on the Federal TAXABLE income, not gross income.

The state tax would be +/- $2,500.

$54,000 minus $2,500 leaves $51,500

That is an extra $7,500 more than what you figured.

James m Dakin said...

1105- I'm quite sure that my numbers are wrong. But my point was that whoever came up with that middle class numbers run down ended up with a $100 left over on high wages. Perhaps they accounted for kids and I didn't. Just take it as a general example of most peoples financial inflexability. PS- can you do my taxes next year?

James m Dakin said...

744- just shoot yourself now. Less pain later. I would, but you'all would miss me too much. I stay around for you. You are welcome.

Anonymous said...

Greetings Lord Bison
Your comments on each prepper having their own plan is right on.
Most of them falling within the
Bison-Rawles continuum. It dawned on me while talking to my soon to be unemployed daughter that every person has there own prep plan (even Charlie Sheen). They all think their life style is the ultimate one and there is no reason to change.
Anyone talking of bad times coming is a nut and a downer.
We kinda followed the advice from the book "Your money or your life" and were able to chuck wage slavery nine years ago. You would think that would be an enviable position. But I guess not.
Anyway, I am coming to the conclusion that it is a waste of time trying to enlighten anyone outside the fold.
Since you are in the fold, I'll give you my thoughts.
My system is called "Buckets"
with each resource put into two buckets with opposing risks. Money in the bank vs money at home, garden vs food storage, solar vs grid, stocks vs bonds, wood heat vs propane. With resources divided between opposing risks, you still have half your stash if one risk blows up.
The other part of the plan is to have multiple ways to take care of the same need. Lighting = grid or solar or fuel.
Cooking = electric, propane, wood.
entertainment = grid, non grid
In each case provide enough of each to meet some minimal need yet day to day use what ever is most convenient within
budget and resources available.

Dewey

Anonymous said...

I agree with 2nd Anon poster, those 3 guns are 3 great guns to have. With some backups of the same and some ammo, that should be fine for prepping. Many of the old springfields are amazingly reliable and potent hunting guns and were effectively used in war as well.

Too many survivalists live in fantasy land--that life will turn into some type of constant combat, if so--most will just die with tons of extra guns they don't even use--even a minor bullet wound might prove fatal in some sort of total collapse scenario.
.22/30.6/12gauge Fan--

Anonymous said...

Basically, the US is screwed. Preppers may have a little better time at it, but statistically we are too few to matter.

It's definitely save your own skin time.

Listen to Jim and buy some wheat, a grinder, beans, a gun and some ammo.

Time is short.

Idaho Homesteader

russell1200 said...

Your 30% is pretty close. Once you include medical you will be there. 35% is the standard burden used by a lot of contractors, but that includes items that come out on the employers side that the employee would not see. The portion taken out of my pay is 25% of the gross.

Anonymous said...

you were given a choice; you could have taken the high road or the low road.

me, been building my own road. you want to travel on it; please pay at the toolbooth first...

America tricked itself into what you got now... a lemon of a future

how bittersweet that is

Wildflower

Suburban Survivalist said...

I guess if you get a liberal arts degree and have no other skills you might make $15/hour. For the rest of us, that's pretty low, add $10 at the very least. A lot more for most.

Student loans. Undergrad, yeah, some, maybe. If you were in the military, hello GI Bill. If you go to grad school, guess what, 9 of 10 (okay, maybe 7 of 10) will have a free ride. Have relevant military experience, even w/a liberal arts education? Bonus.

$1,500 a month mortgage with $44k? I don't think so. Median mortgage payments in the U.S. are about $1,300, and if you're making $44k, my guess is the home will be closer to the $200k range so payments closer to $1/mo (at 5% interest).

The majority of studies show that a college education vastly increases earning potential. Even averaging in criminal justice degrees that end up being gym coaches or whatever.

People with degrees that are still broke/busted all the time, it's b/c they make stupid choices. Marriages (divorces), savings (spending), Starbucks every day, etc.

Anonymous said...

This is a straw man argument - your expenses are too high.

I worked my way through college - therefore I had no debt. It took a while longer, but since the jobs I worked were in my profession, they were actually job training as well as for pay. That helped me get a job after college much faster.

I drove an old car for years, bought used, paid cash.

Didn't had cable until about 5 years ago. There still isn't anything to watch.

Always lived close to work - bicycled to and from when my car died. Saved plenty on gas because I didn't HAVE to drive to earn money.

No cel phone until recently - used only occasionally - I don't need to talk while I drive or shop or whatever. Pay as you go plan costs maybe $10/month.

Your example just ASSUMES that nobody could live without those expenses. Plenty of people do. These things are LUXURIES, and not necessities.

Cancel your cable, don't renew your cel phone contract - get a cheap one and restrict your use of it. Move closer to work, or get a job closer to home.

As to college debt, it is amazing how frugal a student can be if the money comes out of his own pocket. If mommy and daddy give the kid a lump sum, and say there isn't going to be any more, the kid will learn financial discipline one way or another.

As to preparedness, you can be better prepared than most people without spending much, just by storing water and canned soup. The arsenal and stockpile comes little by little, and even as little as $100/month will have you pretty well prepared within a year or two.