evil banker humps-post 1 of 2 today

EVIL BANKER HUMPS-post 1 of 2 today

Inspired by a comment I responded to, here is an article on Evil Banker Humps.  I’m not sure what prompted my quote, but I thank the commenting minion for the kernel of this subject idea.  Prepping to sustain life is easy, but prepping to survive the bankers is a lot more difficult and time consuming ( and yes, I‘ve covered this before.  I know.  Stop pressuring me! ).  And convincing the spouse to prep is easy, when all you are talking about is beans and bullets.  That is mere pocket change.  But bucking the system that the bankers have built, that is where the resistance comes in.  Everything “alternate” or “unconventional” is banker un-approved.  When you are a Yuppie Scum Survivalist Guru, you are Banker Approved.  All you are doing is telling your adoring legions to keep working for The Man, racking up the credit cards to prep your retreat, with every approved item also requiring debt to procure.  You’ll need a second mortgage and more than one auto loan.  Of COURSE the system approves of this plan.  New York City publishers will churn out derivatives of this plan all day long.

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But contributing to the original problem ( infinite growth sustained by carbon fuel use, leading to infinite debt ), working and consuming in the original Banker Approved Plan, while enticing as a means to prepare for the systems demise you are helping, is nothing more than bending a knee and begging your bankers masters for permission to survive after they’ve laid to waste all that they survey.  Please, Sir, may I have another?  Consuming is of course a necessary evil, but there are degrees of it.  Setting aside a bare minimum stockpile, buying junk land on a one year payment plan, these are no where near as bad as working in the urban hive and paying rent the rest of your life, helplessly flailing about in stress and consternation at your inability to set aside enough for the Yuppie Survival Kit, this is a level of consumption that is unsustainable, keeping you indebted and helpless, chained by your ignorance ( which is not stupidity but a lack of education, despite the words negative connotation ) to living in an unsafe environment with close to zero level of quality of life. 

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The bad news is that it is hard to start on the journey to live an educated and free life, but the good news is that it is as easy as truthfully proclaiming, “we’re mad as hell and we’re not going to take it anymore”.  You just need to decide that shiny toys are not as important as freedom.  When I tell you, economic freedom is as easy as ceasing to pay rent and getting rid of a motor vehicle, and you tell me thirty six reasons why you need your car anyway, that could literally be the case, that you’ll starve to death without an automobile.  Or, it could just mean you are not really prepared to cast off your bankers golden handcuffs.  You don’t have to be honest with me, but I’d strongly advise you to be brutally honest with yourself.  You want freedom, or do you want well compensated bondage?  You can’t have both.  Money, or peace of mind?  And, yes, I grant you that is used to be a very hard decision.  In the great scheme of things it didn’t seem all that much of a sacrifice to procure a residence in the urban area, replete with hundreds of television channels to pick from and isolation from the brutality of Mother Nature.  But, now, really, who can deny the whole system is crashing under the weight of its own dependencies?

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Under less than perfect circumstances, at the bottom of the barrel of ideal, you could prep for a very meager $333.  A used single shot shotgun with a few boxes of shells is easily under $200.  A new one would perhaps come close ( $139 jobber, $30 licensed dealer fee, $30 shipping and $15 tax-not leaving much for ammo ).  200 pounds of wheat kernels, enough basic calories for six months, plus a corn grinder NOT of Chinese origin, another $100 ( I assume you can wrestle up some free containers for that little amount ).   A Sawyer water filter is $20 and you should be able to get a knife under $13.  You would indeed fully embrace The Suck at this level of equipment, I grant you, but it will get the job done even if it is fraught with suffering.  Freeing yourself from the Evil Banker Humps isn’t as easy of course, but is it really all that more expensive?  It isn’t now.  If you wait too long, when everybody is reliving the 2009 financial meltdown ( everybody losing their home or turning underwater equity-wise, local governments drastically slashing all services, unemployment soaring ), then you are screwed.  Resources will be severely constrained.  Lawyers will jack up bankruptcy fees, no more E-Bay land will be available ( you can also go with Craig’s List for local real estate, although I can’t guess how safe that will be ), etc.  If you act now you can avoid the rush.

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First and foremost you are going to have to be in a position to walk away from your debts, legally.  Do you really want to be in jail during the collapse?  There are way too many laws that can bit us in the ass as it is, so don’t invite trouble.  Stay legal.  The Evil Banker Humps DESERVE to get screwed over by you.  There is no moral conundrum in stealing, without violence, from a thief.  They are, quite literally, responsible for the ongoing financial implosion of our economy.  Find out what it will take to go bankrupt.  Yes, I’m well aware, having lived through it, that some debts are not going away such as child support, tax payments and college debt.  Bankruptcy is not a cure all but a necessary tool to help you in your efforts.  The lawyers fees are going to be a lot less than what you owe ( if not, don’t file ).  Getting in debt was easy, getting out will be hard.  The effort is worth it, as there is no feeling in the world like financial freedom.  To NOT owe is to have freedom, to reclaim your life for yourself.

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After bankruptcy, or giving back all your toys, even if in worse shape, you get your junk land and build your own home.  While alternate building techniques are cool and usually an improvement, anyone can cheaply stick-build in a hurry if you want immediate shelter without debt.  An 8x8 can be put up bare lumber covered with a tarp and with a plywood door, for about $300.  Next add on $500 in insulation ( fiberglass insulation between the 2x4’s with rigid board sheets over that gives you superior results ).  I’d advise digging down and making the roof and angled sides plastic sheeting covered in an inch of dirt, but your climate may not allow such cost cutting measured.  You might need metal roofing and stucco sides.  A dugout would be $1,000 and an above ground finished under $2k.  Better than a trailer, unless you can find one for dirt cheap.  Live in your future guest room for now, cramped but paid for, and build bigger and better as cash becomes available.  THAT is a lot smarter and a lot cheaper than a thirty year mortgage. 

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Obviously there will be a LOT more details than that, turning the whole endeavor into a Pain In The Ass.  But it will be over with soon enough and you can get on with your life.

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