Survival For Preppers In Depression Number Two

Depression number two is actually here now but due to different circumstances and number manipulations, it isn't apparent to most people. However, after this month and next, it will become more and more obvious to more people.

As talked about before on this site, the bank closings of the Great Depression counted one bank per closing and now a bank closing includes many branches and atm's that aren't counted. Many use the false numbers to bolster the opinion that we can't be in a depression because bank closings aren't high enough. But, as you can see, this is not true.

Unemployment is also said to be lower but when the real numbers are compared, it includes people out of work that don't show up in the officical figures. These and other markers show us to be much worse off than the media and politicians would have you believe. However, the truth can not be contained and covered up much longer.

By the last week of October, things will have unraveled to the point that it will be obvious to even the most die hard ostiches with their heads in the sand. And it will most likely continue for at least the next couple years or more, contrary to what we will surely be told. How bad could it get? You might not want to know.

I have talked to some that think it will be so bad that they plan to save some of their ammo to use on themselves in case their suffering gets unbearable. Wow, that says a lot. And these aren't some crazies, just normal people like you and I.



Who do we blame for the mess we are getting in? You can blame politicains but you can't lay it on just one party, it would have to be bipartisan blame. You could blame it on media. Or the Fed. The truth is that all of these and others would shoulder some of the blame. But they are only controlled by their masters, the ultra rich, the lobbiests, special interests.

How Will You Survive The Credit Crunch?

Guest post # 2.

It is not unknown to us that the credit crunch has made our finances go haywire. And if you have a bad credit rating, it will take a long time for you to regain your credibility and become a lender’s favorite. Now that the economy is already reeling under recession, there is no point in complaining but it is important to take the situation in your stride. Well, that is what majority of the households in United States have been doing, wrestling with the credit crunch and the subsequent aftermath.

If you are facing a financial stalemate and it is becoming difficult for you to make the minimum payments each month, it is time that you address your financial needs at the earliest. And if you have a mortgage payment to make, make sure you continue paying for it at least because you cannot afford to lose your shelter.

So, how can you juggle your finances? You will have to curtail few expenses that can be deferred or avoided. Shed the frills and the fancies from your everyday life. To survive the credit crunch it is important to live within your means. If you are having too many debts and you are finding it difficult to manage them, without wasting time talk to a credit counselor that can help you to take the right decision. The credit counselor will help you to budget your finances and allocate cash for your monthly financial obligations. In order that your finances become streamlined, you have to be prepared to compromise. This has become more important because recession has also led to unemployment and you will have to manage your finances in such a way that can sustain you for few days even if you have to give up your job.

If you have many unsecured debts to deal with and you want to get professional help, try out one of the debt relief options that can help you to survive the credit crunch and will also put your finances back on track.

The different debt relief options are debt consolidation, debt management, debt settlement, credit counseling and bankruptcy. In case you enroll for one of the debt help options, you will get to enjoy reduced interest rate and lower monthly payments. You will also get a new repayment plan according to which you can make your monthly payments. Consumers usually opt for bankruptcy as the last resort when all other debt help options have failed to yield results. If you file bankruptcy, your credit score gets damaged greatly. Once you file bankruptcy, it stays on your credit report for a period of 7 to 10 years. So, before you reach a point where bankruptcy is your only alternative, address your financial needs wisely.

Seven Techniques to Survive Severe Debt Problems

Here is the guest post that I promised you. It is one in a series being submitted on debt management by an excellent author and friend. I'm sure you will find this series informative and interesting. To view my regular articles, click "older posts" at the bottom right, select articles from the archives in the sidebar on left, or do a search in the google search bar in the top of the sidebar. Please take the poll while here, also in the top of the sidebar. Tune in for the other articles in the rest of the series coming soon to get the complete story from Emily Scott. So,here it is. Enjoy:

Seven Techniques to Survive Severe Debt Problems

With the troubled state of global economy, more and more people are suffering from intolerable debt burdens. If you are going through severe debt problems, you must take time to realize the causes and know how to figure out a solution.

The three main reasons for severe debt problems are unforeseen medical expenses, unemployment and divorce. There is a variety of other reasons of major debt problems comprising everything starting from college education to gambling. Though going for college education is an important investment, it is a shocking fact that average graduates begin adulthood with a student loan debt of around $22,700. In the domain of gambling, according to the New York Times, the amount of debt acquired by an average problem gambler in 2004 is $17,000 with an average income of $35,000.

Though people cannot get rid of unpredicted events all the time, they can follow particular techniques to reduce the chance of serious debt problems:

Consider options: Higher education is a valuable investment, but how to get it is important. A lot of students can minimize expenses by staying at home at the time of going to school or going to a reasonable community college for a period of two years and subsequently shifting to a more reputable four-year college.

Plan beforehand with insurance: Prior to the occurrence of a health condition, try to get the most suitable insurance policy. Once you pay the deductible, you should look for a high lifetime coverage with maximum benefits. One expensive sickness can wipe out up to $1 million before you understand it.

Know the truth: If you have debts that are escalating as a result of an injury or severe illness that accumulates hospital bills or makes you jobless, gather all your bills to precisely know how much you’re obliged to pay. Then question every creditor regarding payment plans.

Rescale your standard of living: Even though you expect that you would shortly pick up from a financial hardship like divorce, unemployment or a severe illness, instantly rescale your standards of living so that you can live within your present means. Don’t pile up needless debt through intending to pay it off with tomorrow’s income.

Get rid of harmful habits: If you feel that you have an addiction towards gambling, you must know that your leisure can destroy you. Take advices from your doctor or look for other resources to settle what can turn out to be a severe trouble for you.

Pay important bills in the beginning: The most significant payment that you should make is your mortgage payment. If you lag behind on this, your home can be taken away. Subsequently, prioritize other forms of secured debt like an automobile loan and other unsecured debts like credit card debt.

Select debt help cautiously: If you can’t solve your problems with your creditors on your own and require professional assistance to carry out negotiations on your behalf, make sure that you work with a prestigious debt settlement company. Look out for hidden costs.

Suffering from a huge amount of debt can be intimidating. If you’re unable to handle debt or other difficulties single-handedly, think about looking for assistance. No matter what way you go to get out of debt and move ahead in life, understand that you’re not the only one. With time and endeavor, you can have a promising future.

Gardening Articles are in the Lead

From my poll I see that gardening has gained the most votes so far, although the sample is small. (Please take the poll on the left.) I'll write a short article about my latest gardening tip and experiences today and then go on to write about the second and third choices in the next couple days since they are really close.

I am thinking about re-seeding the areas of my garden that haven't produced as of yet. I figure if something hasn't come up by now, it's not going to. I am putting in now according to where my sprinklers hit when just left in one spot and turned on.

That saves time moving sprinklers around. I have two hoses coming off of the one hose that is connected to the spigot. I have found the get more coverage from the back and forth type sprinkler than the ones that go around and they seem to last a little longer before breaking down. I'm sure they are manufactured to break just like cars and other items in order to sell more.

Check the seed packs for time til harvest. I'm in the north so I don't have up to 60 days to wait for slow growing vegetables like onions before the frost. I have put in radishes and early peas a couple days ago and they will have time to come up this fall.

Note: I had to partially bury a 2 foot by 2 inch pipe in next to my apple tree because the water was not reaching the roots. My Grandmother checked it when she visited yesterday and could tell by the leaves that the water was staying too close to the surface and she told me of the pipe trick. After 90 some years of gardening, I tend to listen to her.

Next year I will be letting parts of the garden grow over and reshaping the whole thing. As I said, mark where your sprinklers reach and form your next garden to this size and shape. It saves a lot of water (money for me with city water) and time. I may have the brother in law help put in a well for watering and, as a duel purpose source for when survival becomes an issue, which may be very soon.

Speaking of saving money, when I gave Grandma a small bag of potatoes, she said that that same amount was four dollars at the farm market she went to. It was only a couple handfuls of potatoes, so hopefully you are saving a lot with your garden starting to produce now.

Send comments if you have questions and I will answer within a day or two. Don't forget to fertilize and don't let the dry type touch the plants if that's what you use. I'm sending grow vibrations to all of your vegetable plants so they should continue doing well or start getting better immediately : )