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Tuesday, May 10, 2016

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.

END

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29 comments:

  1. Buying and keeping a travel trailer could be important to keep the county code people out of your life. Trailer has contained waste system. Compost toilets a are better, but lots of counties don't like unsanctioned wasre systems.

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  2. This should be required reading for every thinking person. Debt is slavery. Simple as that, they own your ass lock stock and barrel. Bankruptcy was the worst and the best thing that ever happened to me. All of my finance trouble was brought on by the lying thievery of wife #2. Long story but bottom line is that's what it took for me to see the light. Living without debt is the most important prep you can do. I work less with much less stress because I know I can tell any employer to kiss my ass and walk. Hard to do that if you know the banksters will swoop down and set you in the street nearly naked. Wish I'd lived like that all my life, I'm sure all that crap took 10 years off my life span. I take great pleasure in the hope that one day the banksters either get hung from lampposts or jump from the top of their skyscraper.

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    1. I too wish I'd wised up much earlier. Not the money wasted but the stress.

      Delete
  3. "Getting in debt was easy, getting out will be hard."
    =============

    I found it easy. Just cut the cards up and throw them away, and don't get any more.

    My mind was right. I was tired of making monthly payments.
    I was fed up with the notion that I could buy anything I wanted and pay for it later at a much higher cost.

    If your mind isn't right, you deserve the mental stress that is debts evil twin.

    I've been debt free and payment free for 9 years and don't see that ever changing. I'm not a slave to anyone.

    ReplyDelete
    Replies
    1. Legally, depending on location, you might be screwed on the house debt, etc.

      Delete
  4. Man, you shop single shot shotgun awesome. The pawn shops around here have single shot H&Rs / Rossis at $175 minimum, even beaters. Which is stupid because they sell pump actions for (starting) around $20 more, though they are ususally the cheap Mossberg / Mavericks.

    Man, if you could score a pair of cheap steel containers, you could make this awesome cabin. Using the two of them as opposite ends of the cabin, string up the trusses between the two, the cavity forming a 'dog trot' of sorts. Build the walls between the two as finances allow. Call it a barn for tax purposes (no foundation) but they may insist on inspection of contents of containers for residential info (so they say).

    Good topic - thanks for writing it.

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  5. GetOutOfDebt.org
    He too recomends bankruptcy in many cases, and how to negotiate in the rest of the cases.
    Lots of good advice on this site.
    Lots of good practical situations with hard choices.
    I am not yet to a point where I feel I can apply all the advice to my benefit, but soon.

    Trailers are faster than building if you have the cash. I did, and it has helped the building process immensely. Being able to sleep more or less comfortably out of the weather and get to work in dawns early light with no commute to or from the work site is a BIG help. If you live in a climate of extreme heat or cold the trailer will not be able to be year round living (since most land we can afford is going to be in such areas it bears noting) But staying in a trailer on your junk land during building season while building a more appropriate structure is usually doable and helpful.

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  6. Hey James, it's been a while since you wrote about water.

    When staying at the trailer, how much water did you need to get by?

    What was the water used for? I'm assuming that you did laundry in town. How much water do you think you would need if you were stuck at the trailer and had to do laundry and all your meals (and dishes) there?

    Have you been able to keep your frugal water ways since moving to town? Have you set up any rain barrels? How much water to you store at the new old lady's house? Have you identified any alternative water sources in town that no one else knows of?

    Just some ideas.

    Idaho Homesteader

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  7. Bankers hate Trump because they know he's going to stop them! He's worked through bankruptcy before, he knows how to turn around a sinking ship!

    Trump 2016!

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    Replies
    1. Trump is a douche. But, what the hell, Anyone But Hillary.

      Delete
  8. H&R/NEF stopped manufacturing single shot shotguns/rifles around January, supposedly along the logic of "why would someone buy a $200 single shot when they can buy our $200 Chinese 870 clone?" The only game in town for new is Rossi, but they're inferior to the H&R. I would personally go for a used H&R in good condition over a new Rossi. Some are scared of the recoil in a single shot 12 gauge. You can do what H&R did with their turkey model, fill the buttstock bolt cavity with a steel rod (or lead shot) and bring the weight up to 7 pounds. It changes the balance of the firearm to very barrel-light, which is great for holding it with one hand during a speed reload (hint: use your right thumb to cock the hammer while your simultaneously loading the chamber, it's now ready to fire the moment the action closes).
    Peace out

    ReplyDelete
    Replies
    1. Speaking of which, filling the cavity of the buttstock on a Lee-Enfield was how old timers muted recoil and got a better balance. Don't be scared, black plastic rifle dudes!

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  9. You seem to be implying that you can’t cast off your bankers golden handcuffs as you call it and own an auto.

    I have 2 autos (both basically work trucks) and am debt free. So it is possible to own an auto and at the same time not be in debt. I haven’t had a loan (any kind of loan) for 15-years or more.


    Freeing yourself from the Evil Banker Humps isn’t easy, I did it cold turkey and it SUCKED big time.
    Once you have a motorcycle accident, loose a job (from not being able to work from the accident) have your wife walk out on you and get pregnant 1.5-years after you had a vasectomy, loose a home because your job went away, and your wife took more then 1/2 of the income with her (also drained the bank account.) You find that you can live without debt (not a fun thing to go through) and after an adjustment period (several years worth of adjustment) you find you don’t need to use other peoples money to live.

    I don’t trust woman, banks, cops, governments and a few other scumbag people. My life has been getting better since doing so. Never going to go back to the Dark Side, MGTOW, look it up on U-Tube…

    Debt truly is slavery and being debt free is real freedom. I don’t think people were meant to be in debt so much that it forces one to work super hard to just have to give all the money to others to service debt. My brother makes a lot of money, he’s also seriously in debt. He makes almost 2X per hr more then I do, he works 65-hrs a week (over 10-hrs a day 6-days a week.) I work for the most part 25 to 30 hrs per week (more in the Spring time as construction is more in demand then, but I use the extra income to sack away more silver.) and I have more cash and silver on then he does. It’s because I have no debt and live within my means. I’m also a lot happier (I’m not married and he is on wife # 3) then he is.

    It rained today so I could not do the outdoor work planned (rebuilding a deck) for a customer. I instead played around in the garage, started a fire, worked on small projects, made pizza pie irons (the dog and I enjoyed them) It was a good day. My brother would have went crazy if this happened to him as he MUST work every day to pay debt or he sinks like a rock. Life is too short to live like he does.


    Chuck Findlay

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    1. Of course you can own an auto debt free. If you can work on it yourself it is pretty low cost. And in your case, it is an income generating tool. For most other people, it is procured with debt, the mechanic work becomes a debt. Even a dude with a cheap cash car working on it himself is STILL rewarding the bankers by buying their insurance, but I'll admit that is slitting hairs for little reason.

      Delete
    2. Mechanic work does not become a debt, you save money (as we all should be doing regardless of income level) and pay for any repair that pops up. I do this and have no debt when something breaks. Most auto problems give you a warning and or can be taken care of with regular maintenance at a much lower cost then waiting for a complete breakdown. I do do my own auto work as my dad was an auto mechanic and I have worked on them since I was 5-years old. But the world is full of good back yard mechanics that work for peanuts, all a person has to do is find one and have him do the work. My dad (and I) did this for years out of his back yard garage.

      And for most people, they need an auto to get to work as it can easily be too far to ride a bike.


      (For most other people, it (an auto)is procured with debt.) I agree with this, but all it takes to get away from debt is to slowly save money and buy a well-used auto that still runs good and do a bit of work on it.

      As far as my truck and van being income producing (and saying this implies other people’s auto is not income producing) anyone that uses an auto to go to work and make a living is driving an income producing auto. As not to have the auto may very well keep them from working and thus take away their income.

      As far as debt it’s part of everyone’s life, it’s called TAXES, we ALL pay them. Even if you rent an apartment, live on a piece of junk land in a trailer you pay tax on it as it’s figured into the price. Try to not pay your debt to the government and see how it works out. None of us like the excessive tax (debt) the government decides we owe it, but you can’t escape it. The thing to strive for is to figure out how to not pay so much, to pay as little as you can and still stay out of jail for not paying taxes / debt. I barter where I can to get around the tax issue, but it’s surprisingly hard to do as the party’s involved have to find something of value the other person wants. My work is of value (as proof the person called me to do it for them) but most times they have nothing of trade I want.


      Chuck Findlay

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    3. Over half the workers in this country earn under $30k a year. Take out 25% taxes. $23k. Take out average rent, which if memory serves is $800 a month. Down to $14k. Food? Call it $150 a month eating on a budget. $12k left. A WELL paid average worker is left with one grand a month. By not owning an auto, you increase your discretionary income by at least 30%. This leaves aside the issue of debt. I've avoided needing a car 90%+ of my working life and it is worth the small amount of effort to be living close to work.

      Delete
  10. Agreed on the travel trailer as a decoy due to the waste containment system. I'd probably get something real small, since it would only be temporary living quarters. The key is to time the building of your main shelter to where your not living in the trailer during the extremes. I freeze in my RV in the winter time, and I'm in CA; they're simply not well insulated enough to withstand anything but moderate temperatures. James must have been a pretty hardy individual to withstand Elko winters in an RV without heat.

    I paid $50.00 for my Stevens model 9478 single shot 12ga back in 1978 when I was 14 years old. There's not much to them, but as with everything, inflation got the best of them. As a side note, most 12ga single shots are very light, and even with the low velocity loads, kick like a mother F'er! A better choice might be a 20ga, particularly for women and children.

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    1. I never cared for my single shot 12g. Got rid of it quick. I did cost me well under $100 ( mid-'90s ) used so no big deal. But if you are THAT poor, what else can you do. My first choice, if financially unstable, would be a single shot break open .223-about $300 after fees and tax. Buy the steel case ammo ( and be able to scrounge regular ammo ) to save money there. An RV with an outside envelope to retain solar gain would be pretty comfortable-and a small one would really work with that-but that also negates a lot of its advantages such as cost and taxes.

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    2. Maybe build your shelter with a garage-style door. Put the trailer inside during the extreme temp parts of the year to create a buffer.

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    3. What didn't you like about your single shot 12ga James, was it the recoil? 7:10 above posted on the H&R shotgun, and I almost got that gun. The Deluxe Topper model had a 3.5” chamber, and a steel butt stock weight.

      You can also port the barrels which is said significantly reduce recoil, but is probably going to be cost prohibitive. A box of low velocity shells through my 12ga single shot resulted in a bruised shoulder. And I had a thick rubber recoil pad on mine too.

      Personally if I had to do over, I'd probably get the lighter weight, lower recoil 20ga gun with its even lighter and less bulky shells.

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    4. The problem with a travel trailer is it needs a truck to move it around. I like motor homes as they are self powered. I know this means more work as it has a motor and associated drive line. But it also gives you quick mobility that a trailer doesn’t.

      Not that a travel trailer is wrong, it’s just that I see (for myself) that a motor home as more useful.

      As far as single-shot guns I have a Savage 24, it's a 22 long rifle over a 20 ga shotgun and I got it for free (back in the late 1980"s) working at the gun shop. It was a trade in, the gun shop took it in for $60.00 on a new gun, so I got it. I love it, it's not a single shot as it's an over & under, but I seldom load both barrels as I see no reason to shoot the 22 and the 20 ga at the same time. Now a Savage 24 is going (used) for close to $400.00, way too much for what it is. I'm glad I bought my guns back in the 1980"s when prices were much better. Today it would be expensive to build the stock of (too many???) guns I have, borderline impossible with my current income level. Yea I could work more, but I like my life of less hours worked. Man was not meant to slave away 50+hours a week, week after week for years on end. At least I wasn't meant for it. Been there, did that and didn't like it at all.

      Chuck Findlay

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    5. With extra barrels, a miserable painful 12ga (cheapest used) can be a okay 20ga. Firing 00 buck or a slug from a 20ga is very deadly, no less than 12ga, when aimed correctly. For non-sporting use (hungry-lost), game birds are best taken on a branch or ground, not while flying.

      Agree that stock-configuration breach-load 12ga needs every kind of recoil-absorbtion (added mass, thick rubber butt pad, padded coat) and maybe "controlled-recoil" under-loaded ammo for the small ladies. Semi-auto shotgun like Saiga/Benelli/Browning are MUCH nicer to shoot all day with the action absorbing/moderating recoil sharpness, while being priced 6 to 15 times higher.

      pdxr13

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    6. 612:Why do a garage door to move the trailer back out? Shade in the summer ( with an opening for a breeze plus covering for windows ) and warmer in winter-leave the thing inside.
      *
      645: no, not recoil. I shoot the Enfield, after all. I can't hit spit with shotgun sites.
      *
      Chuck: I think that better grade guns are more affordable ( competition ) but entry level guns are way up ( materials no longer as affordable ).

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    7. I haven't bought a gun (other then an air rifle and air pistol) in 20+years so I'm not real up on today's prices. Most of my guns are better grade because I was making a lot more money back then (pre-wife going crazy and running me through the government steam roller) and bought what I wanted. Lots of Beretta's (3), Colt's, (2) Ruger's,(5) Winchester's (1) Marlin, (4) Mauser's (1) TC Contender (2 TC's but at least 12 barrels) Savage (2) and several other guns. More then I really need.

      As far as reducing recoil I know a few people that drill out the stock a bit bigger under the recoil pad to 1 to 1 1/4 inches and put some 7.5 shot in it. Yea it's heavy, but the shot reduces recoil as it moves when the gun is fired.


      Chuck Findlay

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  11. Here you go Jim, for a look at the status quo.
    https://www.masterresource.org/energy-myths-vs-reality/fossil-fuels-improve-the-planet/

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    1. The Powers That Be feel they need to defend the use of a fuel every American assumes as his birthright?

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    2. Until the barrel of crude is worth a whole 60-hour workweek of pay for the American average wage-slave, it will be a "right".

      I love my 4300 pound 350-V8 sedan! It's sat in front of the house uninsured with expired tags since 10 june 2012, saving me a minimum of $85/week by not driving. Bicycling has saved my life from high blood pressure, diabetes, and being a weak fatty who exists to make payments.

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    3. I think we will subsidize oil giving it the illusion of affordability until, well, none gets delivered from overseas.

      Delete

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