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Tuesday, November 3, 2015

no dinero 2 of 2


NO DINERO 2
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The less money you have to part with for reoccurring bills now is more money you can use for preps ( in this context we speak of living without money, so the preps would be precious metals to pay property taxes with long term as they are inflation proof.  Alas, buy them while you can because Peak Silver has happened long ago and with China and Indian population growth and demand, the physical metal will disappear very quickly.  Forever.  For short term, have a few years cash for the taxes.  If you can’t even put one years worth aside you are living in a too high tax area, especially considering mass unemployment is already here and will slap you personally upside the head real darn quick ).  It is also good practice.  I know none of you will abide by my advice on bicycling in lieu of owning a motor vehicle, but you had better have a realistic Plan B for them because if another job is not lining up as a replacement a car is a financial death trap.  I think most people can far more easily live off grid in the boonies junk land before they could ever do without their cars.  But owning and operating a car is not the freedom symbol you envision.  It is the first and strongest link in your golden handcuffs enslaving you.  You can’t survive an economic collapse while keeping a car.  Even if it is paid for, and there is no major breakages in the future, AND you are a mechanic, AND your states insurance is cheap, you still must account for oil prices and revenue enhancement from your local Polizai ( oil shortages and high prices and your city/county jacking up tickets past affordability, with tickets being liberally applied ).

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If you can give up your car, everything else about living without money should be simple.  You learn to live on almost nothing, then use your income to invest in all the inventory you need for when money runs out ( even no car or no bike still needs new shoe leather eventually ), and when you need to go a year or three on no money you can pull it off, even as hard as it will prove to be.  If you can’t live without a car, you had better be able to put back a LOT of savings, but even then I’m worried about you.  Are you going to be able to eat in the near future?  You are choosing a car now, over food later.  Obviously, you can’t NOT have money.  What you are doing now is changing your life to minimize that need, then stocking up items you’d normally spend money on ( property taxes, bike tires, shoes, clothing ), THEN hoping like hell you put enough years worth aside.  There will be a period pre-collapse when you can be homeless without this preparation.  The time to have a skill or a tool is prior to needing it.

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29 comments:

  1. Sorry about not gettin the newsletter, but as the title of your article says, no dinero. If it is acceptable I'll try and get ya something off your wishlist on amazon around christmas like I did last year.

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    1. Truly poor minions are excused from the support requirement, of course. I harass everyone, but if you are at the point in life where literally ever dollar counts, no worries. I still love you for reading. I've been there, where NOTHING extra was bought. No eating out, no newspapers ( when they were worth a crap ). No extra on the grocery bill. You know who you are.

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  2. Our location and age/health issues almost force us to keep a vehicle. I have a company van that I try to get the most out of but it could disappear along with the job. The car we have is killing us on repairs but we don't want to have payments. Looking for a better used one we can pay for. I can see how not owning a vehicle would allow funds to be used for way more important things. We may be screwed either way.

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    1. Look at the bright side. We are all screwed, but not in any way we can foresee, so we'll have a good excuse.

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  3. Jimbo! Great hair Jimbo!.

    Yes silver is a good idea for storing property tax money. I had 4 years worth till silver dropped down to about 3 years now.Still want to get a bit more.

    Ahhh, the automobile. I strongly agree with your thoughts here but I do not listen. I ended up getting land pretty far out in the boonies as closer to civilization doubles or triples the price. Bought more than I needed but having over 20 acres allows forestry tax rates. I had 32 acres but sold ten to my buddy enabling him to get out of dodge. I have firewood, surface water (2 springs) and some wild game for however long that lasts. It is 14 miles to the nearest mom and pop store for anything. Realistic employment opportunities are all along the the coast. Minimum 20 plus miles for the closest if anyone was hiring. My job is almost 40 miles one way.

    I have a pretty good property and am employed but could not be without a vehicle. (Noteworthy is the fact that for the past 4 or 5 years my side mowing business has made my car note and insurance payments and I need a truck for my business) Worst case, the truck gets parked. I still owe a bit on it and they can come get it. Chances are at that point there will be nowhere to store all the repos.If a vehicle is paid off it doesn't cost anything to sit parked in the yard unless you have over zealous code enforcement who says you can't have an uninsured, un-tagged vehicle on your property.

    At some point if everything collapses I may regret being so far out that a bicycle is impractical but for an occasional trip making a day out of it is doable. Not commuting obviously. Yes being outside of Mayberry sounds great but few of us can do that. May be time to start looking for a small motorcycle again.

    Did I mention nice hair?

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    1. For some such as yourself the car is surely the lesser of evils. I am, admittedly, so anti-car that I might have missed the oppertunity to live at a safe distance from town, which might just bite my ass later. My only defense is to claim I'm generalizing my advice.

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    2. “May be time to start looking for a small motorcycle again.”

      I've been keeping an eye out for one as well Nightshift. The fuel, maintenance, and insurance costs makes them so much more user friendly than a car. The main thing that makes them less user friendly, are the other cars that you have to share the road with. Still trying to weigh the pro's (much cheaper than a car) vs the cons (getting flattened by a car). I would only plan on getting one with the intention that I can choose when to be on the road with it. (i.e. non-rush traffic hours, least amount of cars on the road, etc).

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    3. I got my MC license 2 years prior to my auto license. Back when Cali didn't require a helmit. Good thing I was wearing one when I ate it on our dirt road and I hit my head. Road them for a few years, cheap transport. One day after almost eating it in water from a gutter, I decided to stop. I figured my guardian had sent me enough messages. My dad road all his life, was fine, then ate it in town 25 MPH, from an oil spot, and had a heart attack ( he's still hanging on, slowly falling apart, old as dirt ). I won't get anything more powerful than a moped, after all that.

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    4. Oops. Rode, not road. Sorry, no coffee yet.

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    5. “I won't get anything more powerful than a moped, after all that.”

      I'd love to be able to get by with one of the smaller 50cc scooters, especially since I can get one shipped from Ebay for under $700.00. The problem is that they only top out at about 35mph. I'm the Elko land minion, and I'm thinking that a small 50cc wouldn't work well for that area due to the speed limits?

      I recall that you mentioned an alternative frontage road to Hwy 80 between Elko and Ryndon, but how fast does the traffic move on that road?




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    6. Posted 55 mph, so figure they are doing 65 or 70. Of course, when I used that road, prior to the population surge, it was nigh deserted all the time ( can't say about now ). Do you want to go a minimum of sixty on a bike, just to stay up with the idiots? Also, I'm not aware of minimum speeds being law enforced. If bicycles are allowed on the highways, I can't imagine a law against a slow moving moped.

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    7. “Do you want to go a minimum of sixty on a bike, just to stay up with the idiots? Also, I'm not aware of minimum speeds being law enforced. If bicycles are allowed on the highways, I can't imagine a law against a slow moving moped.”

      This was my primary concern James. Though it may vary by state, I was under the impression that you must keep up with the flow of traffic. Bicycles are probably exempt because they are a non-motor vehicle. The other consideration is that even though I have no desire to go over 45mph on a motor scooter, it would be nice to have the option to do so if I ever needed to.

      Of my 2 cars, one just died on me today. Once the remaining one goes, I will probably never be able to afford another (I'm the unemployed minion, and it isn't looking good for me with regards to work prospects). A motor scooter on the other hand is probably going to be something that even I can afford to own and maintain.




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    8. Is this a consideration?
      http://www.amazon.com/dp/B00YBW9O28/ref=wl_it_dp_o_pC_nS_ttl?_encoding=UTF8&colid=2YYRTI37N8CRR&coliid=I2H8DAA2CJX121&psc=1
      An electric front bike wheel, $200. Have a front basket to hold 3 paralleled mini 12v motorcycle batteries for the power. Re-charge at home with solar panels. I think the batts would run you about $8-$100. Just something I've been exploring myself.

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    9. Looks like a pretty cool conversion kit there James. I actually didn't know that these existed for bikes? But I would really like to get something that could get me up to a decent speed, and that I could actually take on road trips or go camping in the mountains with should the desire overtake me.

      In short, I'm wanting something that can replace my cars and pretty much take me the same places in the same amount of time, but with far lower fuel and maintenance costs. Truth be told, I rarely travel much, and since motorcycles scare me, I don't see myself riding one anymore than I have to,
      but would like the option to do so if the need arises.

      Wayne


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    10. Okay, that makes perfect sense. I was going with the cheapest, not the most versatile. I'll even refrain from commenting on how you should make a solar panel canopy to have the bike run all day to take you to the camping spot ( or, a pull behind trailer with top cover made of solar panels charging several sets of batteries you swap out ).

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    11. Sounds like a pretty cool idea James. I actually envisioned something similar in the form of a desert rover (It would have sort of resembled a lunar rover) equipped with panels. It would have had (In theory anyways) enough panels to power it all day, while charging a large enough bank of batteries that would allow it to run all night. I even envisioned an evaporative cooling system comprised of dampened cloth drapes that hung over the sides, supplied by an onboard water tank and equipped with solar fans.

      Such ideas are pretty cool, but sound expensive, and probably would have a way of “developing legs of their own”.

      Wayne

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    12. My original thought was a trike for the extra batts and the wider frame for the panel roof.

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  4. hmm... one phrase you said makes me wonder- "pre-collapse" - I feel that we are now IN the collapse and that the collapse itself wont be over until the die-off is complete and population stabilizes. Honestly I think the collapse started in @2005 or so, and that the mass migration/invasion from the middle east, the increased Russian/US/China tensions, and declining birth rate in even some developing nations, points to the collapse and die off beginning now. As the US is closer to the seat of the empire we have a little more insulation from the worst of it, for now. But collapse has begun and is slowly cascading at an exponential rate.
    But the point is still good- most of us have a little while before the collapse hits us directly. Now is the time to prepare to be without any expenses. Food, Water, Shelter, Security, Transportation, Medical, and Taxes/bribes- should all be stored away yesterday.
    The collapse will hit people as individuals and families first. It may happen that one person is hit with unemployment and unavailability of services before anyone else in their community by years, or it may be that the bulk of a community is hit at once and that one is one of the fortunate few to be hit later or maybe even not at all.

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    1. I should have elaborated. Yes, we are in collapse but it is mostly life-style hits rather than life threatening events. Things are definitely getting interesting out there.

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  5. I speak from experience as one of the many victims of the mass layoff's Jim. Early on, I still had a decent savings, and decided to pull the trigger on that Nevada junk land, since I had no idea how long I would be jobless? I'm still jobless, but I do get up to 26 weeks of unemployment, so I have a limited income for the time being. Since I'm currently residing at my elderly mothers farm, I have been able to save money. But early on, the reality that a middle aged dude might have a hard time finding a new job had set it. To make matters worse, I honestly don't think that there are that many companies hiring. Yes, you do see what appears to be a fair percentage of job postings, but it leaves one to ponder just how many applicants there are for each job?

    Long story short, the very real possibility exists that I might have to make my limited, and soon to be ending income last for many years to come. Hopefully until (knock on wood) my SS kicks in.

    I have a lot of clothes, but will need more for the long haul.

    Wheat, beans, rice, top ramen, popcorn, and some planting seeds will comprise my food stores.

    Minimum of $1k set aside to pay property taxes for hopefully until the end of my days? (They're currently only $15.00 a year, but of course will be jacked up over time)

    And I'll have to secure a cheap weather tight shelter.

    The plan is to be able to live out the rest of my days without a steady income if it comes down to that. I am still exploring work at home options, but haven't stumbled upon anything all that great as of yet? My basic survival needs should be met with the above plan, but it's not gonna be much fun!

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    1. I trust you will be on Food Stamps. Are you suffering from age discrimination or from high income discrimination? You might be over qualified for the remaining jobs.

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    2. “I trust you will be on Food Stamps. “

      Therein lies the irony James. I am “too rich of a poor person” to partake in the food stamps, having more than $2k worth in assets. You practically have to have no assets to get them.

      Probably minimal age discrimination, since most everything is done online these days, and I've only actually been called in for an interview on one occasion, in which I was grilled by the two HR females. Admittedly, it felt rather demeaning, though they were civil enough. But they probably didn't want the “old white devil” anywhere near them! (We're the same age Jim, and I don't consider that to be old yet, but you know how our demographic age is viewed by those under 40).

      I was an electronic technician repairing circuit boards for test machines. It's not as great as it sounds. My job had been declining for years, and my hours were whittled away at until it was merely a part time job that barely paid the bills. My employer was the uber-prick that was the inspiration for your recent series of articles.


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    3. I stay where I am as the prick level, while still there, is quite low. Well worth the low pay.

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    4. Anonymous, you are in the spot I'm headed too. I know my semi-technical job is going away, I just hope it hangs around as long as I do. I'm much better off after the recent unpleasantness with wife #2 (love calling her #2) forced me into bankruptcy but still have a ways to go before job loss would not be a small disaster.
      Great hair you have there boss.......

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    5. I'm sure they love being assigned a number. Also, try "jeffe", pronounced "hef-fe". Means boss in Spanish, but is sounds suspiciously like "heffer" to most female bosses ( not sure of the spelling-heffer, as in cow )

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  6. What a pile of pig-headed, one-sided, smug, anti-social claptrap.

    More please.

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  7. A small-light car of Not Much Value like a Datsun 510 or 1979 Toyota Corolla is just barely a car, but primitive (DIY repairable) and thrifty, with top speed well under 80mph. My experience with the 1200 cc Corolla is 45+ mpg @50mph with 5 speed trans, earplugs mandatory, helmet and body armor a good idea. The worst car is safer than the best motorcycle for a daily commuter. Another cheapo is the VW Diesel rabbit-golf-jetta-passat, if you have to drive from Palmdale to LA and back every day (in the right lane). Not driving may be better (cost + time) than having the job if your position sucks like this.

    We are still "pre-collapse" because you can sell a house if you price it about 5% below the alleged "market", as long as it is unimpaired (current on mortgage, with 20% equity, no non-mortgage liens, or owned outright). The days of houses selling in 5 hours for 22% over asking price is over. Zero-down flippers and underwater folks are feelin' the pain.

    Years of property taxes in silver or gold is good. A couple years worth now may become more years, during your storage. .25 oz gold coin is worth the premium, meaning 1/4oz AGE/ Maple Leaf/British Sovereign (Dragon Killer!)/Swiss (Shield-Cross) or French (Rooster) 20 Francs are all available in circulated condition with reasonable (+3-10%) premium over spot (Crime-Ex spot price, until the fraud ends).

    pdxr13

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    1. Knew a guy with an old Toyota as you speak of, fixed it himself. All his money went into buying every war surplus gun known to man, including pistols. It was the 90's, so he barely had a job and could do these things.

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I must moderate-trust me. You don't want to see what happens otherwise. Sometimes it takes awhile to respond as I only check two or three times a day. No N-Bombs, nothing to get me libeled. Otherwise, have at it. If you criticize me, make sure to praise my hair first.