More Americans Will Use Food Stamps For Thanksgiving This Year Than Ever Before and TANSTAAFL Is About To Become A Common Term

More Americans Will Use Food Stamps For Thanksgiving This Year Than Ever Before

By Elizabeth Flock - November 20, 2012 RSS Feed Print

More Americans will use food stamps to buy their Thanksgiving dinner this year than ever before, according to a new report from the nonprofit government watchdog group The Sunlight Foundation.

[PHOTOS: Presidents Pardoning Turkeys, Meeting Dinner]

The Food Stamp Challenge, which challenges higher-income families to live as if they are on food stamps, estimates that a person on food stamps has a budget of about $1.25 per meal. In other words, a family on food stamps must buy an entire meal per person for less than the cost of an average cup of coffee.

Usage of food stamps among low and no-income families has spiked since the collapse of the U.S. financial system four years ago. According to the U.S. Department of Agriculture, average participation in the Supplemental Nutrition Assistance Program, or food stamp program, has increased 70 percent since 2007. And economists have warned that usage of food stamps won't go down until unemployment improves.

[SANTORUM: Only Buy USA-Made Christmas Gifts]

This Thanksgiving, 42.2 million Americans will be on food stamps, according to the Economic Policy Institute. This is roughly the size of the populations of California and Connecticut combined.

Not surprisingly, feeding millions of Americans isn't cheap. The cost of the SNAP program last year reached $72 billion, the highest to date, according to the Congressional Budget Office.

[ENJOY: The U.S. News Collection of Obama Cartoons]

Those costs are a source of major contention in Congress, which stalled on a bundle of legislation known as the farm bill this summer because it could not agree how much money should be spent on food stamps. The farm bill, which directs the nation's food policy, devotes about 80 percent of its budget to the food stamp program.

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TANSTAAFL Is About To Become A Common Term

The disintegration of an economy and a society can take two courses. One course is like rust. It is slow and barely perceptible. The other is a sudden collapse. The first course, if left untended, eventually  turns into the second.

The US economy is now rusting away. Arguably it has been for decades. For anyone interested in looking, the signs are there. They will soon become unavoidable for even the most disinterested of our citizens.

Dan Amos correctly described what is happening as a result of Washington’s overbearing involvement in the economy:

All government-directed economic activity grows at the expense of the private sector. And the election suggests that government coercion will drive even more U.S. economic activity in the future. This is a shame, because freely adjusting prices, competition, and innovation elevate living standards. Mandates, price controls, and subsidies — coercive actions — depress living standards. Quality falls. Shortages develop and persist.

Mr. Amos is correct but does not forcefully convey the reality of a dying economy. These effects are beginning to appear.

Many businessmen hung on, hoping for a change in the madness that passes for economic leadership and policy. These hopes were dashed with the re-election of the ideologue driving the madness. Obama won the electoral college, but not the confidence of business. They are just beginning to cast their votes and it does not bode well for the future. Here is a partial list of the business reactions to the outcome of the election:

LAYOFFS ANNOUNCED SINCE ELECTION:

1. Abbott Labs 700
2. Activision 30
3. Adventist Health 48
4. Airlines SAS 6000
5. AMD 400
6. American Cotton Growers 110
7. ArcelorMittal 20
8. American Independence Museum 4
9. Ameridose 790
10. American Airlines 4400 + 800 leaving voluntarily
11. American Coal 54
12. Atlantic Lottery Corporation 16
13. Assc Milk Producers 130
14. Aveo Oncology 45
15. ATI 172
16. Bankia 5000
17. Bechtel Power Corp 277
18. Bigpoint Games 47
19. Boston Scientific 1200
20. Brake Parts LLC 75
21. Brattleboro Retreat 31
22. Bristol Myers 500
23. Career Education 900 + Closing 23 Campuses
24. Cigna 1300
25. Citigroup 100
26. Commerzbank 6000
27. Consol Energy in W.V. 145
28. Covidien 595
29. Crouse Hospital Syracuse NY 70
30. Cummins 150
31. CVPH 27
32. DEP in Tallahassee FL 15
33. DuPont, Co. 64
34. Eagle-Tribune, Andover 21
35. Emanuel Medical Cente 24
36. Energizer Holdings 1500
37. Ericsson 1550
38. Exide Tech, Laureldale 150
39. City of Findlay, OH 39
40. First Energy 400
41. Gameforge Berlin 20
42. Gamesa Energy 92
43. GenOn Energy Inc 33
44. Glen Falls Hospital 29
45. Groupon 80
46. GT Advanced Tech 165
47. Harris’ Broadcast 17
48. Hawker Beechcraft 400 + Facilities closing
49. Hill Rom 200
50. Hills Holdings 300
51. HMX Group 567
52. Hostess 627
53. Iberia Airlines 4500
54. ICM of Colwich 25
55. ING 2350
56. Judson University 21
57. Juniper Networks 500
58. Kaiser Permanente 84
59. Kinetic Concepts 427
60. Kratos Defense Security 125
61. Lackawanna County PA 11
62. Lightyear Network Solutions 12+
63. Lonza 500
64. Majestic Star Casino/hotel 80
65. Major Wind Company 3000
66. Martha Stewart Living 70
67. Medtronic 1000
68. Mills Manufacturing NC 68
69. Momentive, Inc. 150
70. Monitor Group 235
71. Montco Behavioral Health/Dev 58
72. NBC 500
73. Nebraska Medical Center 38
74. Neovia Logistics Services 52
75. New Energy 40
76. Ormet 200
77. Panasonic 10000
78. PayPal 320
79. Penn Refrigeration 40
80. Penske Logistics 50
81. Pepsi 4000
82. Philips Electronics 218
83. Pierce Mfg 325
84. Pratt & Whitney Rocketdyne 100
85. Research in Motion 200
86. Rheem Manufacturing 50
87. Sentry Foods 70
88. Shaw’s Supermarket 700
89. Shawano foundry WI 90
90. Smith & Nephew 770
91. Smithfield Packing Co. 125
92. Solel Solar Systems 140
93. Southeastern Container 15
94. SpaceX 100
95. SRA Intl Inc 222
96. St. Jude Medical 300
97. Stryker 1170
98. Sulake 60
99. Sun Media 500
100. TE Connectivity 620
101. TECO Coal Corporation 90
102. Texas Instruments 1700
103. The Providence Journal Co 23
104. TMX Group Ltd. 100
105. Turbocare 220
106. Turkey Point Nuclear Plant 277
107. Oce North America, Inc. 135
108. Turbocare OCE 220
109. UBS 10000
110. US Cellular 980
111. UtahAmerican Energy Inc 102
112. Volvo Trucks Pulaski County 300
113. Wake Forest Baptist Medical 950
114. Welch Allyn 275
115. West Ridge Mine 102
116. Westinghouse 50
117. World Media Enterprises Inc 105
118. WPS Health Insurance 600
119. Wright Patterson AFB 115
120. Wyodak Coal Mine 11
121. Xerox 2500
122. Yakima Reg Med Ctr Washington 10+

ANNOUNCED BUSINESS CLOSURES SINCE ELECTION:

1. Bakers Footwear closing 150 stores nationwide, including 21 in California
2. The SCA plant in Barton – Plans Staff Reductions
3. Handy Hardware to close its 2-year-old Meridian, Miss. warehouse
4. Caterpillar Inc. will close its plant in Owatonna Minn.
5. Waltz Pharmacy in Waldoboro Maine
6. Zac’s Place in Hinsdale IL
7. Lone Star Steakhouse at 70th and O streets and Ruby Tuesday at 56th Street in
8. Lincoln NE
9. Career Education Corp – Closing 23 Campuses – 900 Jobs Lost
10. Handy Hardware to close its 2-year-old Meridian, Miss. warehouse
11. Shamrock Bar at Payne City’s Rose Avenue. in GA
12. Monitor Company Group LP
13. ThinkEquity LLC
14. Homer City Funding LLC
15. Caterpillar Inc. will close its plant in Owatonna Minn.
16. Mount Pleasant’s Albrecht Sentry Foods
17. The Target store at Manassas Mall Va.
18. Millennium Academy in Wake Forest NC
19. Target Closing Kissimmee FL Location
20. Calgary’s iconic Rideau Music store ( International )
21. The Andover Gift Shop in Andover MA
22. Grand Union Family Markets Closing Storrs Location CT
23. Movie Scene Milford Location NH
24. Update: TE Connectivity Closing Greensboro Plant – 620 Layoffs Expected
25. Gomer’s Fried Chicken in South Kansas City
26. Kmart in Homer Glen
27. Fresh Market on Pine Street in Burlington
28. AGC Glass North America to permanently close its Blue Ridge Plant in Kingsport Tenn.
29. The Target store at Platte and Academy in Colorado Springs
30. Island Colors – A Carolina Beach Clothing Store
31. The Roses store on Reynold Road in Winston-Salem NC
32. Meanders Kitchen losing its West Seattle location at 6032 California Ave
33. Bost Harley-Davidson at 46th Avenue North and Delaware Ave. in West Nashville TN
34. Townsend Booksellers in Oakland
35. The Kmart store in Parkway Plaza off University Drive in Durham NC – 79 Jobs Lost
36. Guarantee Shoe Store in Beaumont Texas
37. Associated Milk Producers Inc. Closing manufacturing facility in Dawson Minn. – 130
38. Jobs Lost
39. FacadeTek Inc Closes Whitestown Facility – 72 Jobs Lost
40. Comet Market in Punxsutawney Pa.
41. JC Penney store in Miracle City Mall Titusville FL
42. TurboCare Inc Closing Manchester CT Facility – 88
43. The United Colors of Benetton store on Armitage Avenue IL
44. Update: Bicycle shop Ten 27 Cycles 1027 Davis St. in Evanston IL
45. Two Sears Product Rebuild Centers in The Woodlands Texas
46. FesslerUSA Clothing Maker Closing in PA
47. Ralph Lauren’s plans to close its 14 stand-alone Rugby locations
48. Nashville Sash & Door Co. Inc Tenn.
49. First Portuguese church in North America in Bedford Mass Closing?
50. International Fashions in Carbondale’s University Mall IL
51. Harper’s Old Army Surplus Store in West Monroe La
52. Nova Financial Holdings
53. The Party Warehouse in West Springfield Mass.
54. TLC Wine and Liquor at 1205 W. Main St in Kent Ohio?
55. The HAPPY Place 1042 N Coast Hwy, Laguna Beach, CA
56. Air Carrier Accessory Services – Chapter 7
57. SOW Inc. shelter on South Broad Street GA?
58. Systemax Inc., Closing Miami County Ohio Computer Plant – 120 Jobs Lost
59. Textbook publisher McGraw-Hill Cos. Closing 2 Distribution Centers – 166 Layoffs
60. First Place Financial Corp
61. Nash Finch Closing Cedar Rapids Iowa Food Distribution Center
62. Johnnie’s Foodmaster MA Closing all 10 Locations
63. Rainbow Foods will be closing its Forest Lake location MN – 59 Layoffs
64. Berry’s Camera Shop Inc. in Downtown Lafayette
65. Schreiber Foods to close their food packaging plant in Ravenna – 70 Jobs Lost
66. Kmart store at 5300 Salem Ave. Trotwood Ohio
67. Mr.Christie plant in Toronto ( International ) 2013 – 550 Jobs Lost
68. Coffee with T cafe in Stevenson Village business MD
69. Minas Basin Pulp and Power are closing a mill in Hantsport ( International ) – 135

ACTUAL LAYOFFS:

1. The Colonial Country Shoppe on Park Street in Adams MA
2. Vestas Wind Systems Closing R&D; Office in Louisville – 60 Jobs Lost
3. Dollar Castle in downtown Ferndale MI
4. Bistro One West in St Charles IL
5. Sun Dog Diner in Neptune Beach FL
6. Jim’s Builders Hardware in Wichita, Kansas
7. Madeleines Bakehouse in Fort Wayne Indiana
8. Barnes & Noble plans to close its doors in Union Station Dec. 31
9. The Semiahmoo Hotel in Blaine Washington
10. Highland Curves CA
11. The Salem Sport Shop in Salem Ohio
12. Navistar International Corp. to Close truck assembly plant in Garland, Texas – 900
13. Jobs Lost
14. Divine Mercy Catholic Books & Gifts Denton Texas
15. Singer Mental Health Center in Rockford IL
16. Garelick Farms Ends Production at Bangor Maine Facility
17. Fashion Tech Window Coverings in Portland?
18. Custom House Tavern Chicago IL.
19. Jim’s Builders Hardware in Delano
20. Lone Star Steakhouse at 1801 22nd St. in West Des Moines
21. Sears to Close Woodlands Product Rebuild Center – 117 Jobs Lost
22. Whitehead Inc Rockford Real Estate Company
23. Robert’s Mens Shop in Downtown New Philadelphia Ohio
24. Fort Tecumseh Olde Fashun Store in Ohio
25. Lakewood Beginnings Child Development Center in Lakewood Ohio
26. Green Fields Seed & Feed in Grand Junction Colo.
27. The Army and Navy Store in Melrose Mass.
28. Vitalistic Therapeutic charter school PA
29. Diamond Foods Inc Closing a plant in Fishers Indiana
30. Old Town Alehouse 5233 Ballard Ave in Seattle
31. Space Aliens restaurants in Minot and Grand Forks ND
32. DeWaay Financial Network LLC
33. Sears at Quail Springs Mall Oklahoma City OK.
34. Fashion Bug in O’Fallon MO is closing in January
35. Kmart Store in Oak Hill W. Va
36. Update: Jett & Hall men’s clothing store in Richmond KY
37. D.C. school List of Possible Schools Closing to Be released Later today
38. Dunkin’ Donuts in Holly Hill FL
39. Hostess Brands Inc Permanently Closing 3 Bakeries Following a Nationwide Strike
40. Philips Electronics subsidiary Lightolier will close its local fluorescent light
41. fixture manufacturing plant in Willington
42. Smithfield Packing Co. will close in 2013, laying off a total of 400 employees
43. SuperFresh outlets in Marlton and Westmont NJ
44. The Bagel Shoppe in Katonah NY
45. Ben Franklin and Homestead House Gifts in the Kimball Ridge Center in Waterloo IA
46. Several West Virginia Suzuki dealerships Being Forced to Close
47. Kowalski Cos Closing All 4 of its Metro Detroit Delis but to Continue Food
48. Production
49. Three Memphis charter schools and one in Nashville Tenn. Could Close Due to Poor
50. Test Scores
51. The Custer School District SD – Closing 2 Rural Schools
52. The Dressing Room, on North Lincoln Avenue IL
53. The Utica office of IBOPE NY

BANKRUPTCIES:

1. AMF Bowling Worldwide Inc
2. Aletheia Research & Management Inc
3. Omtron USA
4. Helmkampf Construction in Olivette
5. Clear Light Publishers
6. Monitor Company Group LP
7. ThinkEquity LLC
8. Homer City Funding LLC
9. US Suzuki Distributor – Chapter 11
10. Revolt Technology

This list should frighten every thinking American. It is a huge warning regarding what lies ahead. These changes are coming to an economy that is already unable to provide jobs or sustain living standards.

Decline is a slow process, until it becomes fast. It is not easy to see at first. It should be obvious to most that our economy is approaching a critical stage. When you have destroyed the trust and confidence of business, there will be no job creation.

Some parting words are in order for those responsible for the decisions reflected above. Shutting down and giving up is anathema to the spirit that built this country and is now only found among our entrepreneurial class. It goes against the very fiber that drives success. It is a last resort for entrepreneurs.

The decision to quit is lonely, involves guilt, self-doubt and remorse. It is the last act for someone that has tried everything to avoid it. Giving up and withdrawing is not an act of retribution. People do not willingly choose to go to Galt’s figurative gulch. They are forced there.

While the masses exult in the continuation of their  food stamps, cell phones and other booty, the real story of this election is yet to be told. The nation is about to find out that policies and elections have consequences more important than free stuff.

The war against private enterprise can no longer be denied. President Obama’s re-election ensures that it will continue and likely accelerate. The makers are beginning to give up. The takers don’t have a clue. Soon the country is going to get a real-life lesson in economics. TANSTAAFL (There ain’t no such thing as a free lunch) is about to be learned.

View article...

Stephanie S. Jasky, Founder, Director - FedUpUSA.org -  h/t to Tony Caputo

"America is at that awkward stage. It's too late to work within the system, but too early to shoot the bastards." -- Claire Wolfe

FedUpUSA.org -  Freedom isn't free!
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How Many Businesses Have Announced Closings or Lay-Offs Since Obama Won A Second Term?

Technorati Tags: food stamps,holidays,Thanksgivings,joblessness,TANSTAAFL,economy,layoffs,ObamaCare,taxes,jobs

Have You Heard About The 16 Trillion Dollar Bailout The Federal Reserve Handed To The Too Big To Fail Banks?

The Daily Show With Jon Stewart	Mon - Thurs 11p / 10c
America's Next TARP Model
www.thedailyshow.com
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Video:  America’s Next TARP Model – with Jon Stewart on the Daily Show

What you are about to read should absolutely astound you. During the last financial crisis, the Federal Reserve secretly conducted the biggest bailout in the history of the world, and the Fed fought in court for several years to keep it a secret.

Do you remember the TARP bailout? The American people were absolutely outraged that the federal government spent 700 billion dollars bailing out the "too big to fail" banks. Well, that bailout was pocket change compared to what the Federal Reserve did. As you will see documented below, the Federal Reserve actually handed more than 16 trillion dollars in nearly interest-free money to the "too big to fail" banks between 2007 and 2010. So have you heard about this on the nightly news? Probably not. Lately Bloomberg has been reporting on some of this, but even they are not giving people the whole picture. The American people need to be told about this 16 trillion dollar bailout, because it is a perfect example of why the Federal Reserve needs to be shut down. The Federal Reserve has been actively picking "winners" and "losers" in the financial system, and it turns out that the "friends" of the Fed always get bailed out and always end up among the "winners". This is not how a free market system is supposed to work.

According to the limited GAO audit of the Federal Reserve that was mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act, the grand total of all the secret bailouts conducted by the Federal Reserve during the last financial crisis comes to a whopping $16.1 trillion.

That is an astonishing amount of money.

Keep in mind that the GDP of the United States for the entire year of 2010 was only 14.58 trillion dollars.

The total U.S. national debt is only a bit above 15 trillion dollars right now.

So 16 trillion dollars is an almost inconceivable amount of money.

But some other dollar figures have been thrown around lately regarding these secret Federal Reserve bailouts. Let's take a look at them and see what they mean.

$1.2 Trillion

A recent Bloomberg article made the following statement....

The $1.2 trillion peak on Dec. 5, 2008 -- the combined outstanding balance under the seven programs tallied by Bloomberg -- was almost three times the size of the U.S. federal budget deficit that year and more than the total earnings of all federally insured banks in the U.S. for the decade through 2010, according to data compiled by Bloomberg.

The $1.2 trillion figure represents the peak outstanding balance on these loans, not the total amount of all the loans. On December 5, 2008 the "too big to fail" banks owed this much money to the Federal Reserve. Many of them could not pay these short-term loans back right away and had to keep rolling them over time after time. Each time a short-term loan got rolled over that represented a new loan.

$7.7 Trillion

Bloomberg is reporting that the Federal Reserve had made a total of $7.77 trillion in financial commitments to the big banks by the end of March 2009....

Add up guarantees and lending limits, and the Fed had committed $7.77 trillion as of March 2009 to rescuing the financial system, more than half the value of everything produced in the U.S. that year.

But as mentioned above, a one-time limited GAO audit of the Federal Reserve that was mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act covered an even broader time period and revealed even more bailout loans.

According to the GAO audit, $16.1 trillion in secret loans were made by the Federal Reserve between December 1, 2007 and July 21, 2010. The following list of firms and the amount of money that they received was taken directly from page 131 of the GAO audit report....

Citigroup - $2.513 trillion
Morgan Stanley - $2.041 trillion
Merrill Lynch - $1.949 trillion
Bank of America - $1.344 trillion
Barclays PLC - $868 billion
Bear Sterns - $853 billion
Goldman Sachs - $814 billion
Royal Bank of Scotland - $541 billion
JP Morgan Chase - $391 billion
Deutsche Bank - $354 billion
UBS - $287 billion
Credit Suisse - $262 billion
Lehman Brothers - $183 billion
Bank of Scotland - $181 billion
BNP Paribas - $175 billion
Wells Fargo - $159 billion
Dexia - $159 billion
Wachovia - $142 billion
Dresdner Bank - $135 billion
Societe Generale - $124 billion
"All Other Borrowers" - $2.639 trillion

This report was made available to all the members of Congress, but most of them have been totally silent about it. One of the only members of Congress that has said something has been U.S. Senator Bernie Sanders.

The following is an excerpt from a statement about this audit that was taken from the official website of Senator Sanders....

"As a result of this audit, we now know that the Federal Reserve provided more than $16 trillion in total financial assistance to some of the largest financial institutions and corporations in the United States and throughout the world"

So where is everyone else?

Why aren't leading Republicans and leading Democrats crying bloody murder over this report?

This scandal should have been front page news for months when it was revealed.

But it wasn't.

And Guess what?

Not only did the Federal Reserve give 16.1 trillion dollars in nearly interest-free loans to the "too big to fail" banks, the Fed also paid them over 600 million dollars to help run the emergency lending program. According to the GAO, the Federal Reserve shelled out an astounding $659.4 million in "fees" to the very financial institutions which caused the financial crisis in the first place.

In addition, it turns out that trillions of dollars of this bailout money actually went overseas. According to the GAO audit, approximately $3.08 trillion went to foreign banks in Europe and in Asia.

So why were our dollars being used to bail out foreign banks while tens of millions of American families were deeply suffering?

That is a very good question.

Also, it is important to remember that many of these bailout loans were made at below market interest rates, and this enabled many of these financial institutions to rake in huge profits.

According to a recent Bloomberg article, the big banks brought in an estimated $13 billion by taking advantage of the Fed’s below-market rates....

While the Fed’s last-resort lending programs generally charge above-market interest rates to deter routine borrowing, that practice sometimes flipped during the crisis. On Oct. 20, 2008, for example, the central bank agreed to make $113.3 billion of 28-day loans through its Term Auction Facility at a rate of 1.1 percent, according to a press release at the time.

The rate was less than a third of the 3.8 percent that banks were charging each other to make one-month loans on that day. Bank of America and Wachovia Corp. each got $15 billion of the 1.1 percent TAF loans, followed by Royal Bank of Scotland’s RBS Citizens NA unit with $10 billion, Fed data show.

So once the financial crisis was over, were adjustments made to the financial system to make sure that this type of thing would never happen again?

Of course not.

Today, the "too big to fail" banks are larger than ever. The total assets of the six largest U.S. banks increased by 39 percent between September 30, 2006 and September 30, 2011.

So now they are more "too big to fail" than ever.

But this is what happens when we allow unelected central bank bureaucrats to run our financial system.

Most Americans do not realize this, but the truth is that the Federal Reserve is not part of the government. In fact, it is about as "federal" as Federal Express is. The Federal Reserve has admitted that they are a privately owned institution in court many times, and you can see video of a Federal Reserve employee admitting that the Federal Reserve is privately owned right here.

The Federal Reserve is an out of control monster that is throwing around trillions of dollars whenever it wants to. Nobody should be allowed to do this. Nobody should be allowed to give bailouts to banks and corporations without the express permission of the U.S. Congress and the president of the United States.

This is a point that I made in my article yesterday. The Federal Reserve decided this week that it is going to provide "liquidity support" to Europe. If the American people do not like this move, that is just too bad. We do not get a say in the matter.

Are you starting to understand why I keep pushing the idea that it is time to shut down the Federal Reserve?

Please share this information about the secret 16 trillion dollar Federal Reserve bailout with your family and your friends.

If we can get enough people to wake up, perhaps there is still time to change the direction that this country is headed.

From the Economic Collapse Blog

Video: The Fed Grants $7.77 Trillion in Secret Bank Loan - Now Do You Understand Occupy Wall Street?

Kucinich bill seeks to end the Federal Reserve:

Kucinich bill seeks to end the Federal Reserve!
http://www.godlikeproductions.com/forum1/message1718844/pg1
Kucinich bill seeks to end the Federal Reserve
http://www.rawstory.com/rs/2011/12/01/kucinich-bill-seeks-to-end-the-federal-reserve/

Related:

WHAT THE HELL? The U.S. Secretly loaned 7.7 TRILLION To Banks Without Interest. Then Borrowed Back WITH Interest
http://www.godlikeproductions.com/forum1/message1718942/pg1

America's Next TARP Model
http://www.thedailyshow.com/watch/thu-december-1-2011/america-s-next-tarp-model

A Bloomberg report reveals that the U.S. government loaned banks $7.7 trillion in secret bailout funds at no interest and then borrowed the money back at interest.
Bloomberg reports 7.7 trillion in loans to big banks and Wall Street
http://reading-sage.blogspot.com/2011/11/bloomberg-reports-77-trillion-in-loans.html?m=1pg1

h/t to Jean Stoner

Foreclosure Whistleblower Found Dead… No Investigation?!?

Tracy Lawrence, Notary Public Who Blew The Whistle On Massive Foreclosure Fraud, Found Dead

A sign hangs outside a foreclosed home in North Las Vegas, Nevada. (File photo by Ethan Miller/Getty Images)

The Huffington Post First Posted: 11/30/11 08:10 AM ET Updated: 11/30/11 08:10 AM ET

Tracy Lawrence, the notary public who blew the whistle on a massive foreclosure fraud scheme, was found dead in her Las Vegas home on Nov. 28, MSNBC reported.

Cause of death has not yet been determined, but Officer Jacinto Rivera, a Las Vegas Metropolitan Police Department spokesman, said the case was not being investigated as homicide. She was 43.

Earlier this month, Lawrence came forward and admitted to the Nevada Attorney General's Office that she notarized 25,000 fraudulent documents for Lender Processing Services, a Florida company used by most major banks to process home repossessions. The documents were filed with the Clark County Recorder's Office between 2005 and 2008, The Los Angeles Times reported.

Lawrence also accused two loan officers of allegedly running the massive robo-signing scheme, saying they forged signatures on tens of thousands of default notices. Nevada now alleges that Gary Trafford, 49, of Irvine, Calif., and Gerri Sheppard, 62, of Santa Ana, Calif., directed their employees to forge foreclosure documents, notarize the signatures on the documents they had forged and file the fraudulent paperwork in order to begin foreclosures on homes throughout the county.

Trafford and Sheppard have been indicted on more than 600 counts of offering false instruments for recording, false certification on certain instruments and notarization of the signature of a person not in the presence of a notary public. Authorities are currently negotiating the terms of their surrender, KSNV MyNews 3 reported.

Earlier this month, Lawrence pleaded guilty to one count of notarizing the signature of a person not in her presence, The Associated Press reported. Had Lawrence shown up at her sentencing hearing on Monday, she could have faced a potential sentence of up to one year in jail and a fine of up to $2,000.

On Nov. 17, Lender Processing Services issued a statement acknowledging that the signing procedures on some of documents were flawed. The company also agreed to fully cooperate with the attorney general's investigation.

"I am deeply committed to ensuring that LPS meets rigorous standards of professional conduct and operating excellence," newly appointed LPS President and CEO Hugh Harris stated. "I have full confidence in the ability of our leadership team and over 8,000 dedicated employees to deliver on that commitment."

According to RealtyTrac, Nevada has had the highest foreclosure rate in the nation for 56 straight months.

See Video on Newest Foreclosure Plan at HufPo Business – Expected to have minimal affect on problem.

h/t to Sue Hooper

GOP Contenders Debate: Fix the U.S. Economy or Go the Way of Europe

We’re getting there! It was the sixth debate of the fall season Wednesday night series.  CNBC’s debate was tag-lined “Your money. Your vote.” And yet by the time most of us had sat down and found a comfortable position for our legs, they were talking about Cain’s sexual harassment allegations. But while Cain isn’t off the hook for the accusations, he did very well for himself and it was the beginning of what could be a strong comeback. And in last night’s debate whenever the liberal media started to ask Cain about the on-going sexual harassment allegations the people in the audience booed.  When the media went back to questions on the economy, they cheered.  Hurray for everyone in that audience!

Cain said that the American people “deserve better than someone being tried in the court of public opinion based on unfounded accusations.”

He also said that since the allegations surfaced more than a week ago, “voters have voted with their dollars,” and supported his campaign.

Former Massachusetts Gov. Mitt Romney was asked about the allegations against Cain. Romney said Cain has responded to the questions and “people can make their own assessment.”

The questions about the Cain allegations generated boos from the audience at Oakland University.

The Media has been focused on “all “Herman Cain scandal, all the time. No Solyndra Solar scandal, no Fast and Furious Guns scandal... just Cain without end.  How convenient… another created diversion? 

ROCHESTER, Mich. (The Blaze/AP) — United in agreement for once, Republican presidential rivals warned forcefully Wednesday night the United States could be doomed to the same sort of financial crisis that is afflicting Europe unless federal deficits are drastically cut and the economy somehow revived.

Though sexual harassment allegations facing Herman Cain have dominated the GOP campaign for more than a week, the debate in economically ailing Michigan focused almost entirely on financial worries and proposed solutions in the U.S.

The candidates generally stuck to practiced speech lines – with a late exception…

Let’s not count Perry out quite yet, even though it looked like he clocked out two weeks ago. He had another one of those awkward moments… In the middle of one answer, Texas Gov. Rick Perry found himself unable to recall the names of the 3rd Cabinet-level government agency he plans to get rid of if elected, even leaning over to Rep. Ron Paul for help at one point.  That couldn’t have been more uncomfortable had Herman Cain passed Perry a reminder of the third agency’s name engraved on a rock.

“The third agency of government I would do away with – the Education, the Commerce. And let’s see. I can’t. The third one I can’t. Oops,” he said, forgetting for a moment that he wants to abolish the Department of Energy.

On one specific issue that Congress must address soon, the candidates generally backed an extension of the Social Security payroll tax cut scheduled to expire at the end of the year. That was a rare moment of accord with President Barack Obama and many congressional Democrats, who have been warning that consumers could be hurt if the reduction is not renewed.

“I‘m not prepared to raise taxes on working Americans in the middle of a recession that’s this bad,” said former House Speaker Newt Gingrich, a sentiment quickly seconded by former Massachusetts Gov. Mitt Romney.

Perry disagreed, and Rep. Michelle Bachmann of Minnesota said she opposed the one-year reduction when it was approved late last year. She said it had so far “blown a hole of $100 billion in the Social Security trust fund.”

Asked about Europe’s financial troubles, the candidates seemed to speak with one voice in saying Italy and other European countries should rise or fall on their own without any American bailout. And several of the White House hopefuls warned that unless U.S. deficits are cut and the economy invigorated, America is headed for the same type of downward spiral.

“Europe is able to take care of their own problems. We don’t want to step in and bail out their banks and their economies,” former Massachusetts Gov. Mitt Romney said as he and GOP rivals met for the first time in three weeks in campaign debate.

Video: GOP Debate: Let Europe Solve Its Own Problems

Even so, he said the United States should continue contributing to organizations like the International Monetary Fund that are working to prevent a meltdown in troubled economies overseas.

Paul was more emphatic about the debt. “You have to let it liquidate. We took 40 years to build up this worldwide debt,” he added.

Cain said there wasn’t much the United States could do to directly to help Italy at present because the economy there is in such difficult shape. “We need to focus on the economy or we will fail,” he said, referring to the U.S. and calling for spending cuts, a strong dollar and measures to stimulate growth.

The Cain accusations did come up, though briefly.

“The American people deserve better than someone being tried in the court of public opinion due to unfounded accusations,” he said when the question came up early in the debate. “I value my character and my integrity more than anything else. And for every one person that comes forward with an unfair accusation there are probably, there are thousands who come forward and say none of that ever happened with Herman Cain.”

Romney, a former venture capitalist, was asked if he would keep Cain on the job as a CEO given the accusations. He responded, “Herman Cain is the person to respond to these questions. He just did.”

On another point, Cain felt it necessary to make a post-debate apology to House Democratic leader Nancy Pelosi, whom he had called “Princess Nancy” for sidetracking Republican legislation when she was speaker.

The announced topic for the evening was the economy, a subject that produced few if any early sparks among rivals who often spar energetically.

Perry, Gingrich, Bachmann and former Pennsylvania Sen. Rick Santorum joined Romney, Cain, Paul and Huntsman on stage at Oakland University in Michigan, a state where unemployment is 11.1 percent and well above the national 9 percent jobless rate.

The debate took place less than two months before Iowa’s kickoff caucuses, as the pace of campaign activity accelerates and public opinion polls suggest the race remains quite fluid. Romney and Cain currently share co-front-runner status in most surveys, with Perry and Gingrich roughly tied for third, within striking distance.

Not surprisingly, none of the contenders found much to like in Obama’s economic stewardship.

Perry said the next president should systematically judge all of the government regulations enacted since Obama took office on a standard of whether they created jobs. Any that failed should be repealed, he said.

Bachmann sharply criticized Fannie Mae and Freddie Mac. She said the latter had recently given multimillion-dollar bonuses to executives even though it was seeking a new federal bailout.

Gingrich, who last held public office more than a decade ago, bristled when asked what advice his company had given Freddie Mac for a $300,000 fee. “Advice on precisely what they didn’t do,” he shot back – stop backing mortgages to applicants who aren’t credit-worthy.

The government rescued mortgage giants Fannie Mae and Freddie Mac in September 2008 to cover their losses on soured mortgage loans. Since then, a federal regulator has controlled their financial decisions.

The cost to taxpayers so far has been about $169 billion, the most expensive bailout of the financial crisis.

There was only scant mention of the Michigan auto industry, which benefited in 2008 and 2009 from a federal bailout that both President George W. Bush and Obama backed.

All eight Republicans on the debate stage say they wouldn’t have offered government assistance.

Not so Obama, who stood outside a factory not far from the debate site recently and said government bailouts of General Motors and Chrysler were a success that saved thousands of American jobs.

 

Side notes:

And then there was Mitt Romney‘s hair. It was actually a little messy. Granted, “messy” by Romney’s standard is like being “feminine” by Janet Napolitano‘s standards stated one of the event bloggers. But those five hairs haven’t seen this much freedom since birth and actually made him look ‘more real’ commented more than one viewer.

The things they can do with technology. It‘s a miracle there wasn’t a mic blowout for Jim Cramer, one of the moderator’s, who yelled every question like he was day trading on NASDAQ. Not even a little audio feedback when he said his “P”s or “B”s.

Video: Herman Cain and Jim Cramer

Related:

AP: Some Candidates ‘ Drifted from Reality’ During Last Night’s GOP Debate

Perry Not Worried About Debating Obama

CNN Spins Tuesday’s Elections as Republican Setback

(h/t the Blaze/AP)

To be updated later…

“The List” - What Can You Do to Prepare?

Brace for Impact and Please Take Some Time to Read This and Watch the GBTV Special

Program Originally Aired Thursday, Oct 13, 2011 at 5:43 PM EDT

Glenn explained on his Thursday 10.13.11 show on GBTV what you can do to prepare for for economic collapse… or for a natural disaster for that matter. What he believes is that we are approaching very difficult times.  (He had Robert Kiyosaki of Rich Dad Poor Dad fame on as a guest last week and Kioysoki believes the same as Beck, just if one can imagine, even more so. He and Donald Trump just wrote a new book called the Midas Touch and in a recent Newsweek article they warned that real unemployment is near depression era levels. And you can go through the list including Gerald Caliente, Bob Livingston etc. etc. are all saying the same thing). This list that he sent to his family and his producers is in raw form and was covered in detail on the show. You can tune in to catch this special for free by signing up for a two week free trial! It IS now available on demand.

Beck started out showing pictures of all the world leaders who are warning about the coming collapse now. It was pretty much all of them. They are all saying it in one way or another. That means a Global Economic Collapse... We'll wake up in the 1800's one morning, like it or not. Prepare the best you can while you still can. It could happen any day. If we are lucky it will be a year or two years off, if we are unlucky it could be tomorrow

One thing he didn't add to the list was Bandages and Medicines for humans and animals as well as animal feed (pet food). I added some verbiage in blue that he said in the video (I took notes) that was edited for posting on the site. It's a lot but the important thing is to start somewhere. Buy the B1G1 band-aids the next time they're on sale and stock up. Use coupons and you'll save a lot more. His list was interspersed with lots of preps for your mindset. There are many other lists on the 'net and in books of "stuff" you'll need. I look around and see what I use every day or need in sickness or emergency and buy extra. As for "money" it is now recommended that you have enough gold or sliver to pay your taxes for several years. Your IRA's, Mutuals, Savings and 401k's will be worthless when the dollar tanks. Get out of paper dollars. Pay off your house and car if you can. 

I know for some of you that this email is going out to are way on top  but I encourage you to at least look at Glenn's list and some of the other information here and ponder the possibility. It might change your mindset. Glenn says he didn't really write it - it just came to him to write (divinely implied).  Beck, like Robert Kiyosaki, both say the timing (when this will happen) is often wrong, but their accuracy

Here's the link to Beck’s list online. It is posted below with some updates from my notes and a few highlights and related links.

THE LIST

BUY FARM LAND  -  (BUY A HOUSE INSTEAD OF RENTING)  IF YOU POSSIBLY CAN

• GROW YOUR OWN FOOD
• LIVE NEAR PEOPLE AND BEGIN TO MAKE ALLIANCES OF SKILLS (BARTER)
• LIVE NEAR FARM LAND IF YOU DON’T OWN ANY THE LAND MUST HAVE WATER!

ELECTRONICS FREE

• MAKE PAPER COPIES OF IMPORTANT DOCUMENTS
  KNOW WHERE YOUR DEEDS ARE AND TAKE THEM FOR EMERGENCY
• PRINT OUT PHOTOS THAT MEAN SOMETHING TO YOU AND FOR POSTERITY
  (RUSSIAN GANGS OR THE EQUIVELANT WILL MOVE INTO YOUR HOUSE IN THIS TYPE OF A DISASTER.  ILLEGAL TYPE HOMESTEADING HAS ALREADY STARTED ALL OVER AMERICA.)

COLLEGE/SCHOOL

APPRENTICESHIPS ARE THE FUTURE.
DISCUSS THE VALUE OF SCHOOL FOR WHAT YOU CAN EARN.
DO NOT LOOK FOR LABELS THEY WILL BECOME MEANINGLESS (YALE, HARVARD…)
FIND OTHER FORMS OF SCHOOL. ON LINE.
TEACH YOUNG CHILDREN NOW THAT COLLEGE IS NOT A GIVEN
DEMAND MERIT FROM SCHOOL AND STUDENT OR PULL YOUR TIME/ $
EDUCATE YOURSELF AT ALL TIMES. ALWAYS READ.
HAVE A HARD COPY OF IMPORTANT BOOKS AND DOCUMENTS
LEARN OLD AND OR LOST PRACTICES.
MENDING/CANNING/FARMING
LEARN TO FIX AN ENGINE
RE-LEARN READING A MAP
KNOW THE NEWS. LIFE CAN CHANGE QUICKLY.
BE ABLE TO DEFEND YOUR POSITIONS BY KNOWING THE OTHER SIDE

TRADITIONS
'PRESERVE’ WHAT IS IMPORTANT. SHED ALL OTHERS. CONSERVE AND
PRESERVE. RECLAIM AND RESTORE.  (HAVE PRINTS OF VALUE DOCUMENTS AND PHOTOS)

MONEY
GOLD, FOOD, CIGARETTES, LIQUOR, SUGAR, AMMUNITION, GUNS, SEEDS,
SKILLS (BARTER) KNOWLEDGE
HAVE 30 DAYS CASH ON HAND
BUY A HOUSE
STOP ALL EXCESS SPENDING. BUY QUALITY ONLY. FORGET FASHION ONLY
MEASURE TWICE – CUT ONCE. DO NOT WASTE.
CONSIDER A FUEL EFFICIENT – SUV/TRUCK/CAMPER
CONSIDER SOMETHING PRIOR TO 1979 FIX YOURSELF

LOCATION
LIVE NEAR LIKE MINDED PEOPLE. TEXAS, THE MOUNTAINS OR WHERE GOD STILL PLAYS A ROLE IN REAL LIFE
IF YOU CANNOT MOVE IT MEANS YOU ARE WHERE YOU ARE SUPPOSED TO BE (NO PLACE WILL BE UNTOUCHED) CREATE A NETWORK

BUSINESS/WORK
BE THE BEST YOU CAN BE. BE THE ONE EMPLOYEE NO ONE CAN FIRE
SMALL BIZ – BE THE PRODUCT OR SERVICE NO ONE CAN CANCEL
CONSERVE AND PRESERVE
LEARN FROM THE DEPRESSION 
ADVERTISE WHEN NO ONE ELSE IS: CHEVOLET
STAY IN BUSINESS BUT DOWNSIZE AND PRESERVE (ARCH)
HONESTY, INTEGRITY AND CHARITY.

BE GEORGE BAILEY
SPIT YOURSELF OUT OF THE SYSTEM. TURN UPSIDE DOWN NOW
PUT YOUR MONEY WHERE YOUR HEART IS
DO BUSINESS IN SYMBIOTIC WAYS – WE NEED EACH OTHER
DO NOT TRY TO PUT OTHERS OUT OF BUSINESS, LET THEM DO IT.
GIMBLES VS MACYS EXAMPLE
NEVER BE THE SMARTEST MAN IN THE ROOM
TAKE CARE OF YOUR EMPLOYEES THE BEST YOU CAN.
TAKE LESS AND GIVE MORE
READ FRANKLIN AND WASHINGTON

LIFE
DO NOT PLAN YOUR LIFE AND THEN MOVE. PLAN, LISTEN AND OBEY
PRACTICE AT LEAST FRANKLINS AMERICAN RELIGION
SERVE
HONOR ALL OF YOUR OBLIGATIONS
PRESERVE – FOOD, TIME, MONEY, ENERGY
TEACH YOUR CHILDREN THE BASICS. VALUES/PRINCIPLES

DO WITH LESS NOW. WILL BE LESS OF A SHOCK IF IT COMES LATER
SERVE/SHARE
JOIN A 9.12 GROUP. LINK ON LINE. EXCHANGE PHONE #’S AND LOCATIONS
HAVE A MEETING PLACE ESTABLISHED FOR FAMILY AND OR FRIENDS  
READ THE BIBLE DAILY
HAVE A GUN (AND AMMO) AND KNOW HOW TO SHOOT IT. (LEARN ABOUT ALTERNATE WAYS TO PROTECT YOURSELF AS WELL)
RESOLVE THOSE ISSUES THAT ARE HOLDING YOU BACK (WE ALL HAVE THEM)
STOP ALL BEHAVIOR THAT DOES NOT EXPAND YOU OR OTHERS INTO GOOD
MAKE AMENDS FOR WHAT YOU HAVE DONE
FIND PEACE AND GET TO WORK
TEACH CHILDREN WORK ETHIC
TOLERATE NOTHING THAT YOU FEEL IS WRONG BY REMAINING SILENT
LET YOUR CHILDREN SEE YOU STAND (FOR WHAT IS RIGHT AND YOU BELIEVE IN)
BE HONORABLE IN “ALL” OF YOUR DEALINGS
UNDERSTAND THAT ANGER IS A PART OF LIFE BUT NEVER FEED IT
THE FIRST LOOK IS NOT A PROBLEM. IT IS THE SECOND LOOK.
NEVER BE THE BEST MAN/WOMAN IN THE ROOM.
BE HAPPY AND OPTIMISTIC. LIFE WILL GO ON. MAKE PLANS FOR THE
FUTURE. GET MARRIED. HAVE CHILDREN.

SING SONGS… PASS ON YOUR STORIES AND TRADITIONS

Life as we have known it is changing… has already changed in many ways and will continuing changing.  America’s golden years are past and won’t be returning in our life times!

See: Check List For Hard Times

110 BARTER ITEMS

1.Coffee 2.Sugar 3.Salt 4.Pepper 5.Hard candy 6.Paperback Bibles 7.Kitchen Matches 8.Needles and sewing items 9.Nylon cord 10.Duct tape 11.Cigarettes 12.Pencils, paper,note pads 13.Toilet paper 14.Tooth paste 15.Soap 16.Rubbing alcohol 17.Peroxide 18.Aspirin 19.Baking soda 20.tooth brushes 21.Reading glasses 22.Liquor 23.Socks 24.Tarps 25.Tools for gardening 26.Condoms 27.Wooden matches 28.Skills 29.Hand Tools 30.Boyscout Manual 31.22.LR ammunition32.12-gauge shot shells 33.Water Filters 34.Firewood 35.Coleman Fuel 36.Knives 37.Manual Can Openers 38.Vegetable Oil (for cooking) 39.Lighter Fluid 40.Charcoal 41.Diapers 42.Washboard 43.Vitamins 44.Tampons 45.Thermal Underwear 46.Aluminum Foil 47.Garbage Bags 48.Paper Towels49.Garden Seeds (Non-Hybrid) 50.Clothes Pins 51.Fishing Line 52.Fish Hooks 53.First Aid Kits 54.Batteries 55.Spices 56.Solar Calculators 57.Belts 58.Flashlights 59.Lightsticks 60.Garbage Cans 61.Dental Floss 63. Clothesline 64.Mosquito Repellent 65.Duct Tape 66.Rope67.Candles 68.Sewing Supplies 69.Non Scented Bleach 70.Canning Jars and Lids 71.Knives 72.Sharpening Stones 73.Bicycle Tire Tubes 74.Bicycle Chains 75.Air Pump (don’t trade the pump trade the air) 78.Board Games 79.Playing Cards 80.Mousetraps 81.Baby Wipes 82.Razors 83.Tang 84.Gloves 85.Underwear 86.Glue 89.Broad Brim Hats 90.Files 91.Pad-Locks 92.Laundry Detergent 93.Kerosene 94.Tea95.Axes 96.Slingshots 97.Binoculars 98.Disposable Lighters 99.Magnesium fire starters 100.Plastic sheeting 101.Over The Counter Medications102. Suncreen 103. Sunglasses 104.Paperback Books 105.Pet Collars, Leashes or Harnesses 106.Food Items 107.Plastic Containers of all sizes 108.Toilet Paper 109.Survival Manuals 110. Small Toys

Water Tips:

You can still find good used (food grade) 55 gallon plastic blue drums (cheep) for water storage. Just remember to clean it out real good before you fill them and remember to put the 1/3 cup regular bleach in it before you cap it up. This will store for 6 months or longer. Remember to have plenty of small (2 gallon) plastic buckets to retrieve water from lakes and pour into the (5 gallon buckets with lids) that you already have sitting in your pull kiddy wagon. That way when you run out-- you are good go a long distance for water if you have too... And you can use the buckets to flush your toilets when the power goes out...

12-Months of Prepping, One Month at a Time

Personal Preparedness, The Leibowitz Society, Coming Collapse and how long things will last…

Bartering

FEMA: Include Pets in Your Preparedness

Handwriting on Wall: Texas Walmart Posts Food Shortage Signs in Store Window

Survival and Self-Sufficiency Tips

Go to www.gbtv.com sign up for free trial today and watch THURS 10/13  NOW!  FIRST half HOUR if NOTHING ELSE… You must see Jesse Jackson call for Obama to go around Congress and Obama joke about!

Going around Congress and Ruling by Executive Order and Edicts!  THIS IS NO JOKE!!!

Related:

Well… We All Knew This Was Coming:  EXECUTIVE DICTATORSHIP POWERS

And How About the Natural Disaster Predictions – Click here to read the time sensitive predictions made on the fate of the US in 2012...  -   Worth the Watch (It is an ad but the explanation that comes with it, is interesting!)

Frightening!! DOJ: Feds Can Tell Church WHO Its Ministers Will Be

The Stethoscope – Watch Video: You Will Be Pleasantly  Surprised

Video: ‘Rollover’ Movie (1981), predicts frightening worldwide currency crisis!

12 Months of Prepping, One Month at a Time

Last week Glenn Beck had wealth coach, author and investor Robert Kiyosaki of Rich Dad Poor Dad fame as a guest on his new network GBTV show. It was enlightening, frightening and a call to action. Robert Kiyosaki and Donald Trump just wrote a new book called the Midas Touch and in a recent Newsweek article they warned that real unemployment is near depression era levels.

The interview with Beck, left even Glenn a bit speechless. Robert Kiyosaki admitted that he is a huge fan of Glenn Beck’s and not only agrees with him on just about everything, but was even more gloom and doom than Beck on America’s future.  It really was the first time I’d seen Beck a bit speechless.

Kiyosaki is an absolute believer in preparedness and the 5-Gs:  Grub and Water, Gas, Gold and Silver (or things you can trade for), Guns and Ammo, Ground (Property) and of course Beck would add God, making it the 6-Gs.  When Glenn asked him if you had nothing in place where should someone start he responded, “With the Grub, Food!”

Kiyosaki and Beck both said they hoped they were wrong, but Kiyosaki said he thought this was going to be the greatest depression ever, it could be worldwide and predicted there would be violence.

Beck is doing a special on this Thursday 10.13.11 at 5p.m. on GBTV (also available afterward on Demand) on his solution.  He urges everyone to sign up at GBTV.com so you can watch the show… the first two weeks are free so you can cancel before having to pay if you decide it is not for you.

Gaye Levy, Contributing Writer  -  Activist Post

Once the prepping bug hits, it is easy to want to go for it.  You know what I mean:  Let’s do it and let’s do it all Right Now!

There are some problems with this.  First there are time constraints, and second there are money and budget issues.  But the biggest problem and undoubtedly the one that is overlooked in the initial flurry of readiness preparations, is that without reasonable care and thought given to the process, the tasks and the actual products involved, you can make some costly mistakes.  I say this from experience.  In my haste to get “stocked up” I bought gear that I don’t like and will never use.  I purchased foodstuffs I will never eat.  Stupid stupid stupid of me.  I should have taken my time, done my research, and made a well thought out and educated decision before I even got started.

Today I would like to help you break down the overwhelming task of emergency preparation by providing you with a month-by-month calendar of things to do, tasks to complete and items to purchase.  For the newbies, this gives you a manageable number of things to do in a short period of time.  Instead of looking at a task list 10 pages long, you have a short list that is eminently doable in 30 days or less.

And for the more experienced prepper?  You can start with month #1, look at the activities and tasks involved and fill in any gaps you may have in your own preparation.  In some cases you may see a need to update or rotate what you have on hand and in others, you may find the need to practice a particular skill.

I love lists.  So bear with me as I present a readiness calendar to guide your through twelve months of prepping.  Hopefully you will find that one month’s work is not too costly, not too time-consuming and not too difficult.  The most difficult part as I see it will be getting off your bum and starting.  So let’s do it!

MONTH 1

SUPPLIES & GEAR:

• Water-3 gallons per person and per pet
• Hand-operated can opener and bottle opener
• Canned meat, stew, or pasta meals – 5 per person
• 2 flashlights with batteries

TASKS:

• Inventory the disaster supplies you already have on hand, including your camping gear
• If you fill your own water containers, mark them with the date they were filled
• Date cans of food and food containers if you have not already done so

MONTH 2

SUPPLIES & GEAR:

• Canned vegetables – 4 per person
• Toilet paper – 3 rolls per person
• Sanitary napkins – 2 months’ supply
• Instant drinks (coffee, tea, powdered soft drinks)
• Family sized first aid kit

TASKS:

• Change the batteries  and test your smoke detectors.  Purchase and install smoke detectors if you don’t have them
• Make an inventory of home contents for insurance purposes. Take photographs (digital are easiest) of your house and contents. Store a copy away from your home.

We will protect your privacy...guaranteed!

MONTH 3

SUPPLIES & GEAR:

• Canned fruits – 3 cans per person
• Any foods for special dietary needs (enough for 3 days)
• A large plastic tub or bin for storage of food and other emergency supplies.

TASKS:

• Conduct a home fire drill
• Locate the gas meter and water shutoff points and attach/store a wrench or shutoff tool near them.  Also store special shutoff instruction, if any.
• Establish and out-of-state contact to call in case of an emergency
• Identify a location for your storage of plastic bin or tub.

MONTH 4

SUPPLIES & GEAR:

• Extra baby bottles, formula and diapers if needed
• Extra pet supplies; food, collar, leash, etc.
• A stash of at least $100 in small bills – more if  you can afford it
• Begin to stockpile extra supplies of critical prescription medications. Talk to your pharmacist for help in making this happen.

TASKS:

• Place a supply of prescription medicine(s) in a storage container and date the medicine(s) if not already indicated on its label
• Start putting supplies in storage container(s) and include blankets or sleeping bags for each family member

MONTH 5

SUPPLIES & GEAR:

• Canned, ready-to-eat soup – 4 per person
• Liquid dish soap
• Plain liquid bleach
• Portable am/FM radio with batteries
• Liquid hand soap and hand sanitizer
• Disposable hand wipes
• Disposable latex or nutile gloves

TASKS:

• Make two photocopies of important papers and put one in the storage container, and one away from your home.
• Talk with neighbors about organizing a neighborhood preparedness group.

MONTH 6

SUPPLIES & GEAR:

• Box of granola or power bars – 1 per person
• 6 rolls of paper towels
• Box of N-95 or N-100 face masks – 1 per person.

TASKS:

• Check to see if stored water has expired and needs to be replaced
• Put an extra pair of eyeglasses in the supply container
• Find out about your workplace disaster plans and the disaster plans at your children’s schools

Food Storage
Freeze Dried Food
Dehydrated Food
MRE
Survival Kits
Water Storage
Mountain House Food
MRE Meals
Emergency Supplies
Emergency Preparedness

MONTH 7

SUPPLIES & GEAR:

• NOAA Alert Weather Radio
• ABC fire extinguisher
• Jug of juice – 1 per person
• Adult and children’s vitamins
• A pair of pliers and/or vise grip
• 100 feet of rope or paracord

TASKS:

• Take a first aid/CPR class
• Show family members where and how to shut off utilities

MONTH 8

SUPPLIES & GEAR:

• Box of crackers or graham crackers – 1 per person
• Dry cereal or instant oatmeal – 1 weeks’ worth per person
• 1 box of large, heavy-duty garbage bags

TASKS:

• Make a small preparedness kit for your car. Include food, water, blanket, small first aid kit, a list of important phone numbers
• Secure water heaters to wall studs (if not already done)

MONTH 9

SUPPLIES & GEAR:

• Extra batteries for flashlights, radio and hearing aids (if needed)
• Duct tape
• Add an additional 3 days of water to your supply per person and per pet

TASKS:

• Follow up on efforts to organize your neighborhood
• Conduct an earthquake drill at home: stop, drop and hold, then go outside. (Remember, and earthquake can happen anywhere as recent events have demonstrated.)
• Replace prescription medicines as required by expiration dates

MONTH 10

SUPPLIES & GEAR:

• Take the month off from purchases. Yay!

TASKS:

• Secure shelves, cabinets and drawers to prevent them from falling and/or opening during earthquakes
• Imagine your house with no electricity. What more do you need?

MONTH 11

SUPPLIES & GEAR:

• Package of paper plates
• Package of napkins
• Package of eating utensils
• Package of paper cups

TASKS:

• Exchange work, home and emergency contact phone numbers with neighbors for use during an emergency

MONTH 12

SUPPLIES & GEAR:

• Heavy work gloves
• Begin to try to expand your food supply to twice of what you have on hand right now. Continue with this effort into coming 12 months.

TASKS:

• Check to see if your stored food and water needs to be replaced.

MONTH 13

Congratulations.  You have completed your year of preparations.  Now is a good time to go back to month 1 and review, replenish, rotate and drill.  Good job!

The Final Word

Once a month for the next twelve months I will feature an article devoted exclusively to the monthly tasks at hand, including suggested activities, recommended purchases, viable alternatives, budget saving strategies and references to more reading material.  Sometime I may deviate from the list a bit and other times I may enhance it.
The final word for today is this:

Emergency preparation is your journey and should be unique to your circumstances, your family, your geographical location and your financial resources.  Yes, it can be a chore.  But as I have said before, it should be a chore with a happy ending.

Enjoy your next adventure through common sense and thoughtful preparation!

Gaye Levy, the SurvivalWoman, grew up and attended school in the Greater Seattle area. After spending many years as an executive in the software industry, she started a specialized accounting practice offering contract CFO work to emerging high tech and service industries. She has now abandoned city life and moved to a serenely beautiful rural area on an island in NW Washington State. She lives and teaches the principles of a sustainable, self-reliant and stylish lifestyle through emergency preparation and disaster planning through her website at BackdoorSurvival.com. SurvivalWoman speaks her mind and delivers her message with optimism and grace, regardless of mayhem swirling around us. Enjoy your next adventure through common sense and thoughtful preparation!

Ask Marion~

Related:

Personal Preparedness, The Leibowitz Society, Coming Collapse and how long things will last…

Bartering

FEMA: Include Pets in Your Preparedness

Handwriting on Wall: Texas Walmart Posts Food Shortage Signs in Store Window

Survival and Self-Sufficiency Tips

The Biggest Bank in France Has Suddenly Cut ATM Card Access to Cash in Half and People are Freaking Out!

http://www.jovanovic.com/blog.htm I just got off the phone with Pierre Jananovic . . . La Banque Postale has lowered the limits on the amounts of cash customers can withdraw per week by 50%. First of all, for you Americans and Brits, the way France works its banking system – customers are limited to how much they can withdraw per week from their accts no matter what the balance. Now what has happened here is that Gold card members – who could take out 3,000 euros a week – are now limited to 1,500 a week. This was sudden, without warning, and people here in France are freaking out. Pierre tells me that its the first clear sign that liquidity in the European banking system is drying up. http://maxkeiser.com/2011/06/07/the-biggest-bank-in-france-has-atm-card-access-to-cash-in-half/ If you remember we warned about this happening  here in the U.S. (sometimes it really stinks to be right!) (Reprint below) And is it a coincidence that this is happening just as the big Bilderberg conference in St. Moritz is closing?    Is An ATM Cash Shortage Coming? Submitted by Tyler Durden on 11/08/2010 11:35 -0500 Image: Betsy Fletcher While we have no way to confirm or refute the validity of this statement presented by a supposed ATM business insider on Steve Quayle.com, it does bring up an interesting point regarding how banks may be conserving "petty cash." Of course, if this perspective is true, it validates concerns about bank capitalization, and explains the reason why the FDIC recently expanded insurance on checking accounts from $250,000 to infinity in an attempt to get Americans to put their money in their friendly neighborhood bank. Of course, that this contradicts everything that the Fed Chairman is trying to do by getting Americans to spend (or buy Netflix at a 1,000 P/E) instead of putting the money in the bank, is precisely the reason why Sheila Bair's relationship with Geithner and Bernanke is, shall we say, tenuous. From Steve Quayle (who may or may not have properly attributed the original article on Urban Survival). "George, I work with a business partner in the [region redacted] . We have combined between us 180 ATM machines that we service, Cash Load. In order to do this we NEED to order the money, 20's only from several banks on a weekly basis. This is a considerable amount weekly, 380k plus. Here is the interesting piece that is developing: In the past several weeks 4 of the MAJOR banks have informed us that they can no longer provide us with the cash for our business. Now the problem is that it is OUR money we are taking out! So speaking with bank "personnel" on the side my question was this, what is going on? how come we cannot take OUR money out? Answer: "they" are not authorized to hold, carry or have on hand anymore more than a certain amount of cash on hand! The amount we are getting, even though it is out of our account, they cannot order or have on hand that amount of cash at any time now. I am not talking small banks...large banks [large money center bank in America name redacted] etc...! We can see our ability to keep these machines with available cash is becoming more and more difficult. This has taken place just in the past few weeks. By the way, these banks were willing to lose our full business due to this issue. Trying to work with smaller banks now...we will see how long!" h/t Kyle Ben Bernanke Federal Deposit Insurance Corporation ATMs Crash Across The Country After “Bank Holiday” Warning Paul Joseph Watson -  Infowars.com - November 8, 2010 Following rumors of a “bank holiday” that could limit or prevent altogether cash withdrawals later this week, Twitter and other Internet forums were raging yesterday about numerous ATMs across the country that crashed in the early hours of Sunday morning, preventing customers from performing basic transactions. It’s unknown whether the crashes were partly a result of a surge of people trying to withdraw their money in preparation for any feared bank shutdown, or if mere technical glitches were to blame. The fact that the problem affected numerous different banks in different parts of the U.S. would seem to indicate the former. The Orange County Register reported that the problems were “part of a national outage” which prevented people from performing simple transactions such as cashing checks and withdrawing money. “Computer issues” were blamed for similar issues in Phoenix Arizona, while in Birmingham Alabama, Wells Fargo customers’ online banking accounts and ATMs displayed incorrect balances. The banks primarily affected were Wells Fargo, Chase and Bank of America, but according to blogger Phil Brennan, who studied Twitter feeds and other Internet message boards that were alight with the story, numerous other financial institutions were also affected, including US Bank, Compass, USAA, Suntrust, Fairwinds Credit Union, American Express, BB&T on the East Coast and PNC. “Twitter is going crazy with reports of ATMs and online accounts going down as of 01:00 hours EST of the 7th of November 2010,” writes Brennan. “This is happening to many banks all across America. Some are trying to say that it is a computer glitch to do with the change in Daylight Savings Time, but I will call BS on this as we manage to put our clocks back over here in the UK without knocking out ATMs and online accounts nationally.” Brennan questions whether the outages were the first warning shots in a move to “devalue the dollar,” just days after Federal Reserve chairman Ben Bernanke sparked an international currency war by announcing that the Fed will buy $600 billion of U.S. government bonds over the next eight months. Any perceived inability of banks to deal with a sudden demand for cash would undoubtedly place in peril the United States’ triple A credit rating and spark a fresh dollar crisis. “In the light of what is going on geopolitically, I am still very suspicious about the reasons for this mass downtime of ATMs and Online Accounts, adds Brennan. “There is still a very distinct possibility that November the 11th will turn into an extended Bank Holiday so I would advise all those who can get their money out of their banks to do so, even if you have to pay your upcoming bills manually.” As we reported last week, the “bank holiday” rumor has reared its ugly head once again, after a story emerged that a pastor was told by one of the managers of a prominent east coast bank that banks would close for an undetermined amount of time, and that when they reopened, “all withdrawals by checks would be limited to $500 per week – no matter what the balance in the account is.” Though the story is still an unconfirmed rumor, banks have been preparing for limiting withdrawals. As we reported back in February, Citigroup sent an advisory to its customers at the start of the year which stated that the bank reserved “the right to require (7) days advance notice before permitting a withdrawal from all checking accounts.” The advisory stoked fears that financial institutions were preparing for bank runs. Fresh food that lasts from eFoods Direct (Ad) While we still think this new bank holiday rumor will subside as the previous two did earlier this year and last, in the current economic climate it would be foolish not to keep at least a small amount of your savings in physical cash. The current financial turmoil has been likened with the post 1929 period, during which newly elected Franklin Roosevelt declared a “bank holiday” that lasted four days, therefore such a scenario is not without historical precedent. — Paul Joseph Watson is the editor and writer for Prison Planet.com. He is the author of Order Out Of Chaos. Watson is also a fill-in host for The Alex Jones Show. Watson has been interviewed by many publications and radio shows, including Vanity Fair and Coast to Coast AM, America’s most listened to late night talk show.