Archive for December, 2009
“A Penny Saved…”
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Welcome Back! I have another thought exercise to present you with… You’ve all probably figured me out already, right? I spend altogether to much time – THINKING! It’s really not that I’m always trying to come up with some scam to buck the system… Actually, on second thought, that is a fair assessment of what I’m doing. I don’t like the system we find ourselves in currently! If we can each find creative ways to save our money from being sucked up by the irresponsible bureaucracy, then let’s do it!
How hard do we each work to make our money in the first place? At first thought we could all say, “We just go off to work everyday and get paid our negotiated wage on payday”… I think that it goes a bit deeper than that, when we factor in all that gets wrapped up in that statement.
Many of us start the earning process before the sun comes up each morning and don’t get back home until after it goes back down in the evening. Day after Day, usually at least 5 days a week, we pursue the needed funds to keep life as we know it moving in the right direction…
Alright, so we can all agree, first we must go earn the money in some fashion. What happens then? I’ll tell you what happens then – we pay taxes! For this illustration, let’s accept an average income tax rate of only 20%, I know that many of you are paying closer to 30%, maybe even more but for today lets just say 20%. Not bad enough? Add in the 7.5% we all get to pay toward social security and its various other satellite taxes… We’ll keep it simple and not include the other 7.5% that the government requires our employers to pay into that system on our behalf.
So there you are, happy as a clam with 72.5% of that paycheck you earned still intact, when it reaches you on payday! Wait – there’s more! Better stop off at the store to pick up a few things on your way home with your after tax income… Whatcha gonna spend it on? I only ask because that will determine what tax you can pay out next… Maybe you head for the grocery store, possibly you can even dodge the tax bullet for a few items in the cart that qualify as food. Thankfully the government gifts us with tax free “Food”. I don’t know about anyone else but I still pay a lot of tax at the “Grocery” store. That’s right, groceries aren’t tax free, only “Food” – whatever that is these days?
It’s probably a good idea to head for home after you leave the grocery store. If we don’t get those monthly bills paid they might shut off the power or something… Not really, we’re not that close to the edge but sometimes it feels like those bills just keep coming, so let’s just pay them quick and get it over with for another month! Phone, electric, garbage, internet and all the other in-sundry dollar snatchers. Have you ever looked at the that stack of paperwork that comes in the monthly bills? There’s a small novel in most of mine… That pile of paper tells us a sad story, the story of where our money went.
Open all those pages up and read all the line items that get tacked on when you’re not looking. Everything from surcharges to per “line” fees and access duties? I see lots of .04 cents here and $1.59 there – these add up folks! I had a cellular phone bill that I finally stopped to figure out what all of the nickels and dimes actually added up to… Drum roll please… 11.5% in added taxes, fees and charges… WOW!
Hold on though, we need to stop and fill our gas tank up before we get home too. Give me a second to calculate the numbers for that little government cash cow… I read recently that the average state gas tax at the pump is .63 cents per gallon. This of course doesn’t include whatever we’re paying in federal gas taxes, I didn’t uncover that particular number in my brief search. Let’s all agree that it would be at least whatever the state was getting if not more… Just the state level gas taxes are in the range of 22%! Not a bad racket, almost as good as say a government run lottery…
With just the few stops we’ve made on this payroll robbing shopping trip, our income has been lightened by another 9-22%, depending on where you spent the particular dollar. This on top of the 27.5% haircut we all take on payday.
I know what your thinking and yes, I am keeping this a little on the simple side. Remember, I just want to get your mind thinking about these little taxes that seem to find their way into every corner of our financial life. Is there anything we can do to stop this insidious theft?
I’ll be the first to admit that I don’t yet have all the answers. I will say that I’ve come to this conclusion. If I want to make a transition away from the city and out to the countryside, some cost cutting measures will probably be required, at least in the beginning. When I work the budget frontwards and backwards each month, I see that one of the single biggest expenses we all pay has to be TAXES! Other than with sales tax, we seldom have the opportunity to see our money being taken. In large part the taxing authorities have come up with a real painless way to steal our money, they just take it before we get our hands on it or just wrap it into the cost of a gallon of gas. If we don’t specifically see the tax amount then maybe we won’t specifically understand that we’re paying it!
It would take a much longer article to really cover all of the ways that we, the good tax paying Americans, are being soaked! What I was hoping I could bring to your attention was how large a part of our income is basically evaporating before our eyes and certainly before we get to utilize its spending power.
This topic sheds light on the old idiom our Grandmothers used to use – “A penny saved, is a penny earned”. In this case, each of our pennies is so excessively taxed, we might actually have something whenever one is saved. In addition to doing our part to starve the beast of our hard earned money, we can make a pretty nice return on every penny of ours that doesn’t get lost to the tax system, easily in the neighborhood of 10-30%.
As these “Saved” pennies add up, we’ll have them to spend when a real opportunity presents itself… Maybe we’ll end up paying the tax on them at some point in the future when they’re spent and maybe we won’t. We’ve discussed in the past the possibility of dealing in the barter and second hand markets. If I need a product that you happen to have, we might strike a deal where I exchange some of my saved pennies for your product and neither of us lose any of our spending power to the tax man.
Let your mind run with this topic and see what creative things you might come up with! Many business people would be very happy with a profit return of far less than that of the potential money saved by lowering our own tax burdens. Let me encourage all of you to bring your ideas to the group and we can all get further working together than we can individually!
Prepper
Land, who needs it!
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Welcome back, I hope everyone had a great holiday! Looks like we have another short week and then onto a New Year… I don’t know about any of you but I think 2010 promises to be interesting… Terror attacks, economic collapse and other fun stuff just ahead… I actually have no better idea than anyone else what we could see in the coming months! I am keeping my head up and eye’s open!
I don’t want to speak for anyone except “The Prepper Family” but it seems that there is still alot to get accomplished. Our business has been effected just like most every one’s has by this economic recession/depression or whatever we are currently calling it. However, keeping this fact in mind, we all need to still be striving to better position ourselves for whatever the future holds. As we hope that the good times will make another appearance on the scene, we better still be prepping for the possibility that they don’t… To over simplify it – we can’t eat food that we didn’t store! Watch for bargains and get busy!
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I want to thank “Ranger” for his generous Christmas gift. He sent me a box of Corbon 9mm and a nice card addressed to “The Prepper Family”. So – THANKS RANGER! That was unexpected and pretty cool!
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Floating McMansion
Floating McMansion
I do a lot of traveling throughout Western Washington for my business and try to keep the camera close by, just in case I see something I can share with the group – I would like to encourage others to do this as well! Anyway, last week I had some business down in Seattle that brought me close to a neighborhood of homes that I hadn’t previously noticed…
This neighborhood is located in a most unlikely place. Floating just off the side of the road. I saw these homes as I was speeding by and had to do a quick u-turn to get a better look.

Who needs land to have a cabin?

Who needs land to have a cabin?
I suppose that many of you have seen the movie “Sleepless in Seattle”, where Tom Hanks was living in a floating house. Well, I saw it too but hadn’t ever run across the location of this interesting neighborhood. Just like much of what we see in Hollywood, I assumed that it may have been shot on location in another city. It may actually have been but these places still represent what was portrayed in the movie. Basically regular homes built on top of a floating platform.
Anyone that’s been reading “Prepper” nation for any time at all will know that I have a thing for – Alternative Housing! This would definitely qualify as alternative in my book! There was one particular house that caught my eye and its the big one that’s built in the “Craftsman Style”, very cool! This particular example shows that apparently a builder isn’t restricted in the size of the home that could be built! As cool as it is and I’d love to get the opportunity to see the interior, it’s still what I would call a McMansion. Probably wouldn’t be a cost effective approach for the prepper to take, in gaining their shelter independence…

Floating Neighborhood
As you can see in these photo’s, the home styles are diverse and range widely in size. They all appear to have a barge of some sort under them, which would stand to reason… I wonder what the moorage costs are in comparison to property taxes. This particular area of Seattle and near the water, would command a high tax bill. At least it would be high for our area. I see the references on the web that show places back East that have taxes well over $10K a year… I can’t imagine having to cover that nut each month even after the home was paid for? WOW!

Floating Neighborhood
Anyway, as interesting as this concept is, I was wondering if there would be a viable prepper solution in any of this? The home I want to call your attention to is the little humble one. This is the one that looked promising to me. From all exterior appearances it isn’t drastically larger than a modern motorhome. The small moorage that it requires would make it more economical as well… I wouldn’t be surprised if this one wasn’t home made, it has what looks like a fairly simple design. I say simple, only in comparison to the larger homes.

Possibilities?

Possibilities?
If you notice the platform on this one, what is it? My best guess is that it’s a small barge with a fiberglass covering to make it more user friendly and aesthetically pleasing. I walked down as close to it as I dared to take a few pictures… I didn’t really want to answer questions about my trespassing, if it could be avoided.
As you can see, the owners even have some potted landscaping plants on board too… It makes me think that a container garden would certainly be possible as long as enough fresh water could be procured, long term that is… Kind of makes you think…

Container Gardening

Container Gardening
This area of town is near at least two sizable university’s and the bicycle in the photo makes me wonder if this isn’t being used as student housing? If the right opportunity came along to either purchase a small unit such as this or even build one from scratch and keep it moored in a convenient location? Hmm? Sounds interesting, I bet the concept could be done for much cheaper than a small cracker box starter home in the area. I don’t have first hand info on the moorage costs but if they’re similar to a marina, the costs with shore power wouldn’t exceed $500 a month. Now that isn’t chicken feed and you don’t have much in the area of square footage but once the house was paid for the rental costs could be kept fairly reasonable…
This wouldn’t work for the type of future that I’m interested in, with the exception of if I needed to maintain some sort of housing in the city. This would only be applicable to my situation if I decided to keep our business going with employees after making the move to the BOL. We have considered this and are pondering what we may want to do for a crash pad for when we have to come to town…

Reserved Parking?
Our group -Preppers – is very diverse! What I couldn’t see as doable, someone else would see as a dream come true. This small boat, house, RV or whatever it actually would be called, would fit into this category… A misfit, at first glance but paired up with a creative mind, the possibilities could be endless. Other than the uniqueness of a home like this, it is pretty well camouflaged. If I hadn’t noticed the big showy home down the dock from it, it wouldn’t draw much attention. It even has the ability to be moved, maybe even under its own power, with a little forethought.

Reserved Parking?
You decide for yourselves if this is cool or even interesting? I see things like this and find myself having to think about the possibilities, which leads me to the conclusion that if I think twice about something like this – you might want to see it too? I’ll keep bringing things to your attention and you sift through them and keep the one’s you like and just discard those you don’t!
Prepper
Reader Questions
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Hello, It looks like Christmas is almost here? How did that happen? Christmas has a way of feeling like it comes about every other month at our house. Prepper juniorette has been growing up so fast and has a busy social life outside of our immediate family and our traditions, that it hardly seems like the Christmas season at all… She asks if we’re going to do the traditional Christmas things and then is off with friends and wonders why the old family stuff just doesn’t get done anymore… Such is life with teenagers, I imagine many of you have experienced this as well! It’ll be up to old Grandma and Grandpa to keep traditions going for our Grand kids before to long…
I want to wish all of you the most Merry Christmas and Happy New Year as well. Stick around, I think that we’re in for some real fun in 2010… I can’t wait to see what will unfold in this circus we call modern America!
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Question #1 - “Why didn’t I announce who got the book this week?”
Sorry, my I knew I’d have a busy day on Wednesday and posted the Guest Article the night before. I hadn’t confirmed who the recipient would be at that point… It was “Jason” and I have emailed him for his address, so I can get the book over to him as soon as possible… Thanks for the reminder!
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Question #2 - “Why didn’t I cover the good old candle in my lighting post?”
Well, its not that I know something you don’t about the coming candle shortages… Actually candles are a great idea and I do have a stash of these as well as the copious amounts Mrs. Prepper keeps all over the house.
I think that I must have been thinking of light sources that would be more appropriate for room lighting. Candles are a good option for small area, maybe even the bathroom, when a brighter light isn’t really required.
I have a favorite candle that I keep in our stores. I believe it’s used a lot in the Catholic community but can be found at many grocery stores and for about $1.99, last time I checked. These are the tall round candles that come in either a plastic or glass cylinder. I think they are a sort of prayer candle. Maybe some one can straighten me out but that is my understanding. These candles will burn a small flame for 5-7 days. I did a trail on how long they last a few years ago and I think I remember it still going after the sixth day when I lost interest.
Candles won’t put out a lot of heat or light but they do serve a purpose. They have an infinite storage life and don’t spill or smell. I keep a couple of these prayer candles in with my BOV equipment. My thought with these was if I was to get stranded someplace, they would put off at least a small amount of heat inside the car, I think that they have a calming effect too!
If you don’t already have a supply of candles around the house, pick some up! Tea light’s, the little round guys in there own metal tin, come in bags of 100 for $4.99 at many stores – these last for about 2.5-3 hours and would be great for short power outages. So, for not much expense, candles can be added to fill another niche in our back-up lighting plans!
Thanks for pointing out my oversight!
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Question #3 - “What are the other levels of the Financial Pyramid?”
Good question – I have a lot of the ideas/details running through my head and have yet to flesh out how I want to approach everything. I can say that the whole pyramid is going to be built on “Systems”. I like this illustration for the specific areas that we all need in our day to day life. The next level of the pyramid will take us to the 2nd step in each of the 3 areas we began discussing last week. We’ll continue adding and refining these systems as we move up to the top. In the end I want each of us to have a virtually fool-proof lifestyle. We will be required to work in our systems and make financial inputs but our systems will be a multiplier of both our time, money and self-sufficiency.
When we get to the very top, we should all be able to choose some, if not many of the finer things in life. The lake house or high end automobile, vacations and or lots of free-time to pursue our hearts desires. I can’t fill in your specific blanks in this area but on a sound foundation there isn’t much we can’t include in our life, to some level anyway.
It’s my hope that when we’re done with the pyramid exercise, many of us will have a better understanding of our priorities. I see people everyday that undermine their financial foundations by forcing a piece of the puzzle that is meant for higher up the pyramid into a lower level. It’s what society has told them/us to do… Have it all today, worry about paying the bill tomorrow!
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Sorry, it’s a little short today… Lots to get done before the festivities tonight and tomorrow. Have a Great Christmas and long weekend, I’ll see you all next week!
Prepper
Guest Article
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Todays Guest Article is from Jim over at Bison Survival – Enjoy!
Death and Taxes… Hmm?
Posted by: Prepper | Comments (0)Alright, it looks like I pushed a few buttons on the whole TAXES issue? Good! We should all be more than a little pissed about the outright theft of our money. That money has a direct connection to the amount of time we traded to get it. We all live relatively short lives and theft of our money on the scale that the government does it should be a capital crime. Ever heard the phrase – “Time is money”?
I think that phrase would be more accurate if it were turned around – “Money is time”! Last I checked none of have a lot of time to spare! Time is a valuable commodity and it is traditionally treated as a crime to abscond with a persons valuables?
If we all had the opportunity of making one annual tax payment, maybe even on the 15th of April, I believe we would have our country back in short order! I seem to recall a small blip on the historical timeline that had something to do with taxation without representation. Were those particular tax payers be held up for half their earnings? Hmm, a revolution over taxation? Hmm?
Someone is sure to remind me that we’re getting a lot of services in return for our tax money. We often even get to vote on how our tax dollars are assessed. Well, let me relate a little story to all of you on how we Washington State taxpayers are being represented…
A few years ago the voters were given the opportunity to vote on the building of a new baseball stadium for our local team. Much to my surprise, the very “blue state” voters rejected the new stadium by a wide margin… You might think, that would be that – Oh No, not quite! Our politicians decided that the voters must not have been fully informed prior to casting there votes, so they conducted a media campaign and brought the issue before us soft skull-ed citizens again… If I recall correctly the second vote was to reject the new stadium by an even larger margin?
Who knew – the voters didn’t want to pay for a new stadium? Certainly, that would be the end of it! Oh No, not quite! If you aren’t familiar with Washington State sports arenas, let me explain – we didn’t just get to build one stadium, we got to build two… In the politicians infinite wisdom, they decided that we voters just couldn’t see what was in our own best interests, besides if we didn’t build the stadiums, we would lose our teams!
I think you can see what I’m driving at here so I’ll let this drop… Sorry, I just have to relate one more thing… We, Seattle, already had a Stadium! Anyone remember the KING DOME? Yes that giant concrete domed monstrosity, we had to destroy that stadium to make room for the new ones! One issue though – we hadn’t finished paying for the King Dome yet! We still had a measly 20 more years worth of payments. No biggie, this is all just tax money, right! Tax money that we have already agreed represents a big piece of our lives… I’m not bitter, really I’m not – just disillusioned!
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I digress, I really was going to run an idea past all of you and see if I could get some reader feedback… With all of the talk we’ve been doing lately on our foundational systems, I wanted to move a project up the priority list for a small solar electric system at the BOL.
I currently have a couple of UniSolar 64 Watt solar panels stashed away, just waiting to be utilized. I also have the (3) 12 volt deep cycle batteries that were previously installed in our fifth wheel. A charge controller, conduit and some wire would still have to be purchased but the big ticket items are already here.
As far as the amp hour storage and other specs on the batteries, I can’t be sure until I get a look at them next time I go to the BOL. The panels would put out 128 watts per hour at the maximum. Being conservative, I would only plan to average 3-4 hours a day of good sun exposure. I was thinking that a safe estimate would be 50% efficiency for 3 hours a day to total, 192 watts of usable power each day. I would rather be off to the low side and end up with extra watts, rather than not enough power.
So, what I was planning to accomplish with this small system was mostly interior lighting. I have a few calculations done and with a light fixture wired into all of the major rooms or areas of the BOL, I should still have watts to spare. This will of course require that I use the very efficient LED lighting technology.
I’m going to need a light fixture in the kitchen, living room plus both bedrooms and both baths. I think that’s getting off pretty easy! Six light fixtures for an entire home… Yes, a small home, but either way not to bad.
Since this isn’t a big powerful system and I’m not real interested in spending the dollars required for a quality efficient inverter right now, I thought I would wire these lights for 12 volt DC. The LED bulbs have come a long way and are available in many different configurations now. I found some with the traditional “Edison” style twist-in bases that we’re all familiar with from our regular household light bulbs. These bulbs would allow for the use of standard light fixtures with just minimal wiring modifications.
I found several bulbs offered that were advertised as equivalent to a 50-60 watt incandescent in brightness or lumens… The best part is that the LED lights only used 1.5 – 7 watts rather than the 50-60 watts normally required. This is a real windfall and is the central factor that makes this a workable project on such a small scale.
Unless I’m way off in my figures the lights should only be on 4-5 hours a day and not all at the same time. Even with all 6 lights on at the same time and figuring the 7 watt bulbs, I could run them all for 4.5 hours each night and still not quite hit the 192 watts. These lights will not be as bright as what we are currently using but should be adequate for their purpose!
In addition to the lights, I plan to wire in a couple general outlets. These could be used to run a rechargeable battery station, cell phone charger and various pieces of radio equipment we keep for our security setup. If I’m right about having watts left over and as conservative as I am, I should be. I think it wouldn’t be out of the question to run a laptop computer and even a TV/DVD combo unit from time to time as well.
My plan is to get the solar panels positioned properly but also trying to keep them as close to the center of the house as I can. This positioning would allow me to only have to run the 12 volt wiring half the distance of the house in either direction. Even though I won’t be asking the county building permit office for their permission, I will build this at least to code if not better. All wiring will be run in the proper conduit and done in a permanent fashion. I want this to be a real asset for us in the long run, with expandability in mind too!
Well? Will this work? I’m sure we’re all a lot alike and I know I often miss things, usually small details but sometimes the big stuff too… What am I missing? I calculated out the total remaining costs that I’ll have to get this done but like I said the big items, batteries and panels are already there. I do plan to photo document the entire project and will definitely give you an after action debriefing. If you see something I’m forgetting, please speak up as I’d like to get this up and operational ASAP… Thanks!
Prepper