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Tuesday, April 13, 2010

Your Future Waiting Room

Before I start, let me just say, COMCAST CABLE INTERNET SUCKS!  Replying to comments with a smart phone is very difficult.  Trying to do a post from a smart phone is nearly impossible.  After much haranguing with those idiots, I THINK I'm back in business.  We'll see...
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I got quite the chuckle from hearing how well the Massachusetts health care plan - a carbon copy of what we're all going to be saddled with - is working out.

It seems the NON-PROFIT insurance companies needed to raise their rates.  They have projected that without these rate increases, it will cost them $100 million in losses over the next 8 months.

A judge denied their request.  They are being required by law to become insolvent.

I looked around the Internet for stories on this, and was able to find a few.  The ones in the major news outlets (NPR, NY Times , Boston Globe) all managed to forget to include that the insurance companies in Massachusetts are NON-PROFIT.  There are no money-grubbing companies working to make their 2-7% profits.  No siree, they don't make any profit.

Only the Boston Herald managed to mention their non-profit status -
Six nonprofit insurers - Blue Cross Blue Shield of Massachusetts, Harvard Pilgrim Health Care, Tufts Health Plan, Fallon Community Health Plan, Health New England, and Neighborhood Health Plan - filed suit.

They said charging last year’s rates for this year’s health care would trigger multimillion-dollar losses.
Non-profits are allowed to maintain an emergency fund of sorts to cover unexpected expenses.  Clearly, this will be sucked dry by the state and the courts.  Then what?

Perhaps the state will take over as the SINGLE PAYER for health insurance.  Hmm, I wonder if that's the plan with ObamaCare as well.  Ya think?

One tongue-in-cheek question:  If Mass. has non-profit insurance companies, how can the costs of insurance be going up?  The Administration told us point-blank that the greedy insurance companies were to blame for the staggering rise in premium.

Wow, I guess they were wrong.  Go figure...

Accept The Challenge

ObamaCare is here to stay in some way, shape or form.  We will pay, period.

With Mass., once the state runs out of money to run the plan, the feds will likely provide a bailout, which we'll all get to pay for.  When the federal plan kicks in, and the money runs out, we'll start seeing the rationing of services as has been the rule with every single other state or country that has forced provided health care for its citizens.

Get healthy, folks, while you still can do so.

As I heard on the radio this morning - from Margaret Thatcher:  "The problem with socialism is that eventually you run out of other people's money."

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Sunday, April 11, 2010

Knowing Your Audience

I taught one of my NRA FIRST Steps Pistol Orientation classes yesterday.  In it, I had 3 minors - 13, 14 and 16 year old kids (YES, in California!).  Their mother had taken the dry-run of our upcoming Practical Defensive Pistol class, and wanted her kids to have a good foundation in handguns.

These are the youngest students I've had in one of my gun classes, and it was a great learning experience.  For me.

I'd guess the average age of my students is somewhere in their early 40's - typically running from the early 20's and going into their late 60's.  Being adults, they are in the class with a purpose.  They either want to start a self-defense program, or they may just have a curiosity about guns, and are interested in the safety aspects.  I've had a half-dozen students this year who are getting into some form of law enforcement, but have never shot a gun before and don't want to start their professional training totally unprepared.

But these three kids, I think, were different.  I think they looked at it more as a "necessary evil" to be able to get to the fun stuff of shooting guns!  The reason I say this is because I could see their attention wander, as is to be expected with most kids.

All three of them did absolutely superbly both in the classroom when they were handling the guns, and in the range when they were firing them.  But with kids in particular, I need to think about ways of keeping them mentally occupied even during the more mundane - but very important - parts of the instruction.

During the class, we have a number of exercises that get everyone up and out of their seats.  For most aspects of the class, I follow the pattern of Explanation-Demonstration-Student Exercise.  Picking up a gun for the first time while keeping it pointed in a safe direction, finger off trigger and verifying it's unloaded.  Or practicing grip and stance.  Or loading, decocking and unloading a gun with Snap Caps.  There are 6 different exercises, plus the live-range time during the 4-hour class.

For my 35 year-old and older students, this seems to be a perfect amount of up-and-down, tactile involvement.  I don't think it's enough for the younger students.  They need much more tactile and visual stimulation to keep them engaged.

My wife is a 5th grade teacher, and I'm going to pick her brain for some ideas.  I also want to find some ways to get them to ask more questions.  The class is very "loose" and all adults, regardless of age, ask a lot of questions.  I had to pry it out of these kids!

Accept The Challenge

Time to teach an old dog new tricks!  For me, this was a great lesson about how important it is to know your audience.  I think it is possible to adjust my class to help keep the younger students engaged, while not making it so "whiz bang" that it turns off my "normal" students.

I think everyone likes to be entertained.  I think information can be best digested when the instruction has a good mix of planned interaction, AND when the nuts-and-bolts parts of a course of instruction are "brought to life".

Keep 'em on the edge of their seats, then they're yours for life!

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Friday, April 9, 2010

Gasification Power Generator

I've mentioned that I've been looking at a number of large, out-in-the-boonies properties.  Bringing in utility power is incredibly cost-prohibitive (nearly equal to the purchase price of some of the properties we've seen).

Solar will be a huge part of our power generation scheme.  It will likely be the primary power source.  As a back up, we've been looking at diesel generators.  They are a proven product, but require a source of outside fuel.

Most of the properties we've looked at are fairly heavily wooded.  Lots and lots of firewood and scrap wood - a readily available, free source of energy.  Gasification was screaming out at me!

From Victory Gas Works, I've been gleaning a great deal of information.  It's a fairly old technology that has been dragged into the 21st century.  They have a 6 module introductory course on what it's all about.

They also make and sell their "Off Gridder" system.  It's not cheap, and you have to provide the generator, but as a one time investment, it might work.  Gotta do some math....

Here's a very interesting video of a similar unit that is designed to run off of horse waste.  It kicks out a LOT of power.  I contacted the company earlier in the week to get some information on price, but have yet to hear back from them.



Accept The Challenge

Finding alternatives to "grid" power is becoming more and more viable.  Gasification, like solar, has the ability to make you truly untethered to the grid, or civilization for that matter.  As long as you have enough bio-material available, you can produce power.

Their biggest drawback is the high capital investment to buy the system.  But after that, you're producing the power for well below the cost of grid power.  What appeals so much to me is the ability to set these up almost anywhere.  I guess a gasification system wouldn't work too well in the desert, but other than that, there are few limitations on where this would work.

As a bonus, they're "green" too!  Very low emissions, as the gasification process thoroughly processes the bio-mass.

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Thursday, April 8, 2010

Dealing With Government Workers

For the past few years, I've preached about working to have multiple streams of income.  If one or more streams fail, you're not left high-and-dry with no sort of cash flow.  Most often, this is in the form of a husband and wife each working.  A great way to augment that, is to have "side jobs" by doing repair work, or having an eBay store or something similar.

Personally, I've been working to have more steady streams.  My wife is a teacher, and I do the firearms and emergency prep classes.  BUT, my classes give me a great deal of "spare" time, so I've been working with some associates about opening a retail store (I'm going to just leave it at that).

We've identified a property to lease.  It has a great location, awesome traffic patterns, what seems to be a very flexible landlord and a number of very attractive features. It was recently some sort of hair salon, and we'll need to do some minor tenant improvements to change it to our purposes, plus change the signs, window advertising, etc.

Yesterday, I spent a good deal of the day meeting with local government officials.  To say that I came away with a bad taste in my mouth would be the ultimate of understatements.  Apparently, they haven't received the memo that times are tough, and cities should be doing everything in their power to attract - NOT REPEL - businesses from opening in their city.

I started in the Business License department.  Aside from not being able to answer my ownership questions, they were VERY knowledgeable on how much we were going to have to pay each year. 

A business in the city has to pay roughly $160 per year for a license.  Not too onerous of a number.  BUT, the building we want to use for our business is in a "special district" - an excuse to bump up fees.  When all was said and done, our fee went from $160 to nearly $500!

The city will do no more work.  They will have no more paperwork.  Since it is a nice area of town, the crime rate is lower, so there are actually fewer demands upon the police.  They simply have identified the most desirable areas of the city, and use it to their taxing advantage.

The lady I was getting reamed by mentioned in passing that since the intended use of the property was changing - from a hair salon to our business (both retail, non-massage parlors!) - we would have to get a review of our business from the zoning department.  OK.

The zoning lady was very nice, and almost seemed apologetic at the absurdity of having to go through this review.  She was able to remove a few normal additional reviews, and really was quite helpful.  Still, this busy-work review will take 2 to 4 weeks, and cost us another $1400.  FOURTEEN HUNDRED DOLLARS!

We were chatting about the business, and she asked if we would need any tenant improvements.  I told her we didn't think so, other than interior painting.  She said that was OK to do without permits.  Woo hoo! 

She asked about counters and display cases for our goods, and I said we would be adding some of those, but they would be free-standing.  Red flag!  I'd need to talk to the building department about those.

I walked over to that department, and was introduced to the wonderful world of the ADA - the Americans with Disabilities Act.  I'm still sore from the screwing I got.

I was given the specifications - heights, widths and positioning of an ADA-only section of our store.  The positioning part was most infuriating.  I drew out a sketch of where we might add this section.  It was near the end of a long line of cases.  I was told that was unacceptable.  When I asked why, I was told (and I quote), "You don't send disabled people to the 'back of the bus.'"

WTF!?  I was stunned into silence.  If this had just been some guy on the street, we would have fought.  To imply our intent was to discriminate against anyone infuriated me to no end.  And to bring up an example so steeped in American history was way out of bounds.  It is the "Race Card" of the ADA.

But this smug bastard knew he held us by the throat.  To get in his face and call him the pious bastard he is, would have meant additional months and months of city bureaucracy, with no guarantee we would ever get approved.  As is, he was unwilling to tell me how much their review would cost, nor how long it would take.  I was told to set up an interview with the top dog and HE might be able to give us some idea as to additional time and expense.

So, this city is going to take many thousands of dollars out of our pockets.  Their reviews and forced-blessings will delay the opening of our shop by months.  Instead of using those funds to hire tax-paying employees, or to hire tax-paying contractors to do work on our shop, or to buy additional tax-generating products to sell, these leaches of society are going to steal our money to keep their fiefdom intact.

The short-sightedness is astounding to me.  I've read of stories like this in the past, but this is the first time I've been directly affected by this process.

This type of onerous interjection into business is what convinces many people to simply go underground.  We have an acquaintance that does this type of business "on the side" and he doesn't have to deal with any of this crap.  Maybe he has the right approach.

I'll keep you updated with our progress...

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Wednesday, April 7, 2010

Preps: Evacuation Plan, Part 3

This is a part of a series of  "drill downs" for the Disaster Impacts you can encounter if an emergency occurs.  Click here to update yourself on the entire list of twelve, and our philosophy on Emergency Preparedness.  All of these drill-downs will be categorized under the 12 Impacts label listing.

Click here to see Part 1 of this post.

Click here to see Part 2 of this post. 
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In yesterday's post, we talked about determining your modes of Evacuation Transportation, your Evacuation Destinations and Mapping Evacuation Routes.  Today we'll wrap up this series of posts with Voluntary Activation of your Evacuation Plan.
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You've built your BOB.  You've made and verified your Evacuation Checklist.  Your feet, plane, train or automobile are primed for the journey.  You have multiple Evacuation sites and tons of maps to get you there.

Great.  How do you know when the balloon's gone up, the flag's been raised, or the warning flare has been fired?  How do you know when to "pull the trigger," so to speak?

When do you leave? The short answer is, "As early as possible - when it makes sense."

In late March, we did a post on setting up information flows and filters to alert you to trends which might have an impact on your life ("Tripwires").  From the epilogue of the post -
Being able to anticipate trends and changes is a great skill to develop.  It takes time and knowledge to do it right.

I can't stress enough how important the quality of the data you are using for your analysis can be.  You should have multiple sources for every piece of information.

"Trust your gut" regarding the validity of the data.  Does it make sense?

Try and rely on your own analysis of the raw data.  Professional analysts and forecasters usually will have some sort of an agenda.  "The world is ending, so buy gold...from my company,"  for instance.

Use technology whenever possible to enhance your data gathering.  We've written about Google Alerts in the past - they are free to set up, and can provide you with a wide variety of information.
A commenter noted that they think of it in terms of a thermometer.  As the temperature rises, certain events take place.  I like that analogy a lot.

Using whatever tools you are most comfortable with, you need to establish some sort of warning mechanism.   As I noted in the Tripwires post, I really like Google Alerts.  They go out and search the entire Internet for you - looking for strings of information on whatever topics you choose.

Read and analyze that information regularly.  When a certain threshold has been met, you must act.  This would not be the time to second-guess yourself.  This tripwire or temperature level was determined while you were cool, calm and collected.

So, knowledge of what types of events might lead you to enact your evacuation plan before an emergency actually occurred?

Some things to watch might be:
  • a significant weather event (hurricane, tornado, snow- or ice-storm), 
  • a significant natural event (a tsunami or volcanic eruption), 
  • localized civil unrest (a big politically-charged jury verdict turned riot or a large, potentially violent demonstration about government handouts subsidies being curtailed),
  • distant unrest that could spread to your area (as happened with the Rodney King riots, which spread from LA to 12 other cities nationwide),
  • food, gasoline or other daily necessity shortages which appear to be getting progressively worse
  • the sudden, poorly reasoned or justified posting of armed, government officials in abnormal locations such as malls, public schools... oops, banks, churches, airport waiting areas... oops or city parks,
  • the enactment of laws which restrict your Constitutional rights (in the name of public safety), freedom of travel or access to your own money.
Each of these items are very different, but they all may indicate a reason for you to leave.  Your level of comfort and your ability to evacuate with sufficient supplies will drive your decision to act.

For instance, let's say there was increasing talk amongst our government officials about commandeering your retirement funds, as Argentina did in 2008.  It might be prudent to establish plans for what you would do if this talk started moving towards action.

You might halt contributions if a congressional hearing were held on the subject.  You might transfer your funds (and pay the hefty early-withdrawal penalties if you're too young) to a non-retirement account if a Retirement Nationalization bill were proposed in congress.  If "the heat were turned up" and sanctions were proposed for people that acted as you did, you might cash-out all of your accounts, buy "beans, bullets and band-aids" and head for the hills!

Also, remember to include Executive Orders (on the federal and state levels) into your analysis.  They may require you to "leap frog" interim steps and move forward with your plans more rapidly than originally anticipated.

The point of this is, you sat down, you established triggers and you acted.  It's important that you put a great deal of thought into your triggers and actions so your likelihood of success is maximized.  "Tweak" your assumptions and review your plans on a regular basis as new sources of input become available.  But don't become a victim of "Analysis Paralysis" - reviewing the subject to such depths of detail that you miss the bigger picture, and fail to act when you are able.

Accept The Challenge

The likelihood of needing to voluntarily enact your evacuation plan because of sudden social or economic changes is (IMO) remote. Still, these types of changes can be the classic, "Low Probability, High Impact" events.  They are crushing if they occur.

You risk nothing by establishing these triggers.  If you have taken sufficient time to analyze the impact of your actions at each step in your process (the good AND the bad), you will have lost nothing other than uncertainty.

I think one of the most depressing things I can think of would be to be stuck in a long line of cars streaming from the city, when my triggers had told me to move out 1 day earlier, but I chose not to act.  The only thing more depressing would be if I were stuck, and no longer able to evacuate.

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Tuesday, April 6, 2010

Preps: Evacuation Plan, Part 2

This is a part of a series of  "drill downs" for the Disaster Impacts you can encounter if an emergency occurs.  Click here to update yourself on the entire list of twelve, and our philosophy on Emergency Preparedness.  All of these drill-downs will be categorized under the 12 Impacts label listing.

Click here to see Part 1 of this post. 
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In yesterday's post, we talked about determining the contents of your Bug Out Bag (BOB) and the preparation of a personalized Evacuation Checklist.  Today we'll tackle:
  • Evacuation Transportation
  • Evacuation Destinations 
  • Mapping Evacuation Routes
I have decided to add a third post on this subject:  Voluntary Activation Of Your Evacuation Plan.  That will be posted tomorrow.

Evacuation Transportation

You've decided (or had it decided for you) that you need to evacuate for any number of reasons.  How are you going to get "there"?

In general, you have 3 options:  (1) By foot/bicycle, (2) by public transportation (the regular system, or one established by evacuation authorities),  or (3) by personal vehicle (car, truck, motorcycle, etc.).

By Foot/Bicycle - In general, this is the least desirable option.  It is the slowest of the options, and requires you to be, "out in the open" during a potentially dangerous situation.  Still, it must be considered and included in your plans.  It is the ultimate "fall-back" position:  When all else fails, hoof it!

Comfortable, broken-in footwear along with first aid supplies (mole skin, salves, etc.) must be part of your gear. Since you will be in the elements, hats, jackets, ponchos or other means of protecting you from the hot/cold/wind/rain must be included as well.  Self-defense weapons need to be enhanced.  If you're using a bicycle, you will need a tire repair kit at the very minimum.

Food and water supplies must also be increased, as they will be providing you with the fuel to power your journey.  Plan on at least 3,000 calories and 2 gallons of water per day, per person - more if the weather is very hot or cold.

And, as The ABC of Hiking points out, your level of physical fitness will play a major role in the success of your journey [BTW, this is a great site on hiking in general].  Get in some sort of reasonable shape NOW.

Public Transportation - Aside from the constraints placed upon you (coordinating the schedules of the various modes of transportation), if the emergency event has already occurred (an earthquake or terrorist attack, for instance), public transportation may not be available.

This option would be most viable if you were aware of a pending emergency (i.e., a hurricane).  Once you have determined your evacuation location(s), be sure you have current schedules for each of the modes of transportation you intend to use.

Clearly, keeping informed about events is ultra-critical if you intend on using public transportation.

Personal Vehicles -  This gives you the most flexibility.  You are able to leave for your evacuation destination at any time.  You are also generally able to bring the most supplies with you, when compared to other options.

To be successful, your vehicle must be in good repair and have sufficient amounts of fuel available.  Attempt to keep your vehicle with twice the amount of gasoline needed to reach your Intermediate Destination (more on this later) at all times in case an emergency occurs which disrupts your ability to obtain additional gasoline.

For instance, both of our Intermediate Destinations are approximately 70 miles away from our home.  We try to keep gasoline to allow us to drive 140 miles in our tanks at all times.  Your miles per gallon and tank size will determine the amounts you need to keep on hand.

You want to keep twice as much gasoline in your tank as you will likely need, in anticipation of having to take an alternate - usually longer - route, and the possibility of being stuck in traffic for long periods of time.

Also seriously consider keeping filled gasoline containers at your home.  Learn about safe storage practices, and about additives to extend the useful life of the store gasoline.

Regardless of your means of transportation, don't wait until the last minute to initiate your evacuation plan.  The sooner you act, the less likely you'll be impeded from reaching your destinations by traffic jams, or crowds of frightened people.

When the recent tsunami warning was issued for Hawaii, it would have been prudent to move to your evacuation destination immediately after it was issued.  Most others were driving towards the stores to buy emergency supplies!

Evacuation Destinations

So.  Where ya gonna go?  If you don't decide, others might make that decision for you.  Your destinations should be for a number of scenarios. We recommend at least 3 evacuation destinations:  (1) Local, (2) Intermediate and (3) Long-distance.

Regardless of the destination, if it is the home or property of someone else, be sure you have fully discussed the possibility of you (and your family) becoming semi-permanent guests.  Two ways to make that imposition a bit easier is to offer them a reciprocal agreement, and to pre-position supplies at the destination in advance.  The less likely you are to become a burden, the more likely they are to agree to your plan.

The type of emergency you encounter will dictate your evacuation destination.

Local Location - this is usually the residence of a friend or family member, OR a commercial residential property (hotel/motel) that would have the ability to accommodate you and your family.  Obviously, this latter option would require access to money.  These locations are generally located within 10-15 miles of your residence.

Using a local site also implies that the emergency is very focused in its impact, not requiring the relocation of significant numbers of people.  Things such as a house fire, or even a wild fire, mud slide, tornado or flood that takes out hundreds of homes.  An entire region is NOT affected, just a limited number of homes that are in the path of the disaster.

You should have multiple Local evacuation sites - 4 if at all possible - one each in a different compass direction from your home, under the assumption that one or more of them will ALSO be affected by the disaster.

Understand that if it is some sort of emergency that affects others, hotels/motels will quickly fill.  These should be a last-resort option.  If you own an RV or travel trailer, these can be effective short-term solutions as well.

Intermediate Location - This is a location that is still in the general region (i.e., "Northern California") but is sufficiently distant from your residence for it to be highly unlikely to have been affected by the same emergency.  They are generally more than 50 miles and less than 200 miles away.

They are used for significant, wide-ranging disruptions in the general area in which you live.  A major earthquake or an anticipated major hurricane come to mind.

You should have at least two of these Intermediate locations identified, and they should certainly have some level of pre-positioned supplies already in place.

For both the Intermediate and Long-Distance sites, the use of an RV or Travel Trailer should be considered.  Your options for locations significantly increase.  The vast majority of Walmarts allow you to temporarily use their parking lots.  From their web site -
While we do not offer electrical service or accommodations typically necessary for RV customers, Walmart values RV travelers and considers them among our best customers. Consequently, we do permit RV parking on our store lots as we are able. Permission to park is extended by individual store managers, based on availability of parking space and local laws. Please contact management in each store to ensure accommodations before parking your RV.
There are numerous private websites that keep track of the Walmarts that allow RV parking.  Most of the restrictions are place by local zoning ordinances, and not Walmart themselves.

Also, with an RV, you will have access to many state and federal parks, private park grounds and other similar locations.  Note, though, that many have time limits on how long you can stay, and the more popular sites require advanced reservations.  Investigate this well in advance of arrival.

RVs are also best used where you have advanced warning of an emergency.  It would be ill-advised to rely on an RV to get you to an Intermediate site after a spontaneous emergency (earthquake or tornado) which has destroyed portions of the highway infrastructure.

Be sure you don't "fall in love" with using an RV as your Intermediate Location.  It should be one option, not your only option.

Long-Distance Location - As with Intermediate Locations, these are best utilized well in advance of a major emergency.  These are typically more than 200 miles away from your residence (and may be thousands of miles away) and may be in another state.  They are used either in anticipation of, or in the aftermath of a significant disaster or societal event.  Typically, they will be used for significantly longer periods of time than the Local or Intermediate locations.

Because of their distance, many more logistics come into play.  You need to plan for fuel, lodging and food requirements along the route.  You should have significant amounts of food and other supplies already in place, or have the means to transport them with you.

Pre-positioning them is much more preferable, but you will need to ensure that they are safe.  A remote cabin might be an easy target for theft in the best of times, and will certainly become one in more trying times.

If you are traveling between states, be sure you are familiar with each state's firearms and use-of-force laws.  Unless we have experienced a total loss of civilian control of society - very unlikely - you can expect gun laws to be strictly enforced, or even abused by local authorities.  See Hurricane Katrina for examples.

Again, as with Intermediate Locations, RVs become a very attractive option.  They afford you the ability to transport people and supplies for long distances, while also providing shelter along the way.  They can even be used as temporary housing at the final destination for periods of time.

Mapping Evacuation Routes

For each destination, you want to have at least 3 routes.  One as a "normal" route you would normally use if you were going to the location for a casual visit.

One which avoids as many "choke points" as possible.  This includes bridges (including freeway overpasses), levees, tunnels, ferries or any other natural or man-made structures which might become impassable.

The last one should be for a travel route by foot or bicycle.

Sounds pretty daunting, doesn't it?  If you have access to the Internet and a printer, you have no worries.

Google Maps will allow you to produce all of these maps, and do it for free.

Let's say I wanted to go from Concord, Ca to Galt, Ca (hmmm, Concord and Galt.  And No, I don't live in Concord, and I'm not going to Galt!).  I would key in both of those cities (or specific address if they were available) and let Google do its thing.  I'd get this basic map -


I would print this map AND the directions, and be done with Map 1.

For Map 2, I would go to the Options link in the upper left-hand corner of the page, and check the boxes, "Avoid Highways" and "Avoid Tolls", and here's what I'd get -


It's a big re-routing to the south that adds about 45 minutes to the trip.  The benefits of this route are that it is much less heavily traveled, and would likely be so in an emergency.  It also bypasses a significant portion of the Sacramento Delta and the accompanying bridges.  On the down-side, you're out in the boonies for much of the trip.  Gasoline, repair shops and emergency services are widely dispursed.

For Map 3, Google offers "Walking" and "Bicycle" options.   Both will give you routes which are safe to walk on, BUT, at least for the maps I was producing, the Bicycle maps took me through a number of restricted Bike Paths in the area.  If you were walking with a back pack, you'd likely be OK, but if you were pulling a cart, you might have difficulty getting through the "man traps" they sometimes erect on these paths.

That brings us very nicely to the fact that for each of these routes, you need to test them before you simply add them to your BOB.  For the Walking and Bicycle routes, you can still drive them, but get out and walk those portions restricted from automobiles to see if they are passable with a pack on your back.

For Maps 2 and 3, when you are doing your practice runs, you should also very clearly note every single bridge, tunnel or other possible impediment along your route.  These are your choke points, and you may want to map alternatives around them.

Handily, Google maps also allows you to make on-the-fly adjustments by simply clicking and dragging a portion of the route, and moving it to other locations.  Very cool, indeed!

Lastly, Google maps also has a Public Transit option.  It will not work everywhere (for instance, it would not map a route from my home to my Long-Distance Location) but it has been surprisingly accurate for local and Intermediate routes.

Tomorrow:  Voluntary Activation of your Evacuation Plan.


Accept The Challenge

The work involved with identifying evacuation locations, and then mapping multiple routes is quite time intensive.  You need to first make agreements with the owners of the locations and then work out the logistics of getting there.

All for an event which may never happen.

Think of this process like any other insurance policy:  It hurts to spend the resources up front, but you're sure happy you did so when you need to collect!

Don't be short-sighted.  Time is the greatest investment in this process.  Allocate a few hours to consider your alternatives, and at least begin the process of establishing relationships with others.  You might be surprised to find them thinking along the same lines!


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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Monday, April 5, 2010

Preps: Evacuation Plan

We're now half way through posting about the 12 Impacts you should plan for in your preps.  As we've stated before, in our view, Emergency Preparedness needs to focus more on limiting negative impacts to disasters than on preparing for specific events (earthquake, hurricane, etc.).  We discussed that philosophy and those Twelve Impacts in an earlier post.  You can see all of the items in the series to this point by clicking the 12 Impacts label category.

At this mid-point, we're going to take another detour, but a very closely related one.  With any kind of sudden emergency, you will have two immediate actions:  Evacuate or Shelter In Place.  These are handled by the use of very simple checklists - one for each location you might find yourself during an emergency:  Home, Work or One The Road.

Today, we'll cover developing an Evacuation Plan.
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In February, we did a post on Shelter-In-Place (SIP).  This post will explore what you should do if government officials order an evacuation, or if you decide to "bug-out" based upon your own analysis of the situation.

Because the thought process and equipment needed for an evacuation are much more extensive and critical than it is for a SIP plan - you're leaving the majority of your "stuff" behind - we'll be breaking this into two posts. [UPDATED - to three posts]

Today, we'll cover the Bug-Out-Bag (BOB) Contents and your Evacuation Checklist.  Tomorrow, we'll cover Evacuation Transportation and Determining/Mapping Evacuation Destinations. [UPDATED - third post on Voluntary Activation of you Evacuation Plan]
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As with SIP, your plan is based upon a simple, easy to use checklist.  It directs your actions during a time of high stress.  This checklist will ensure that the actions you need to take and the gear you need to grab are not overlooked.

Also, as with your SIP plan, you will want a kit that is a pre-packed repository of your food and other necessities.  The common term for this kit is a Bug Out Bag, or BOB.  It should contain, in order of importance, items to provide for your (1) Survival, (2) Post-Emergency Recovery and (3) Comfort.

BOB Contents

There is an almost religious fervor as to what should be included!  No one can tell you how much of which items you need to stock to prepare for your survival.  You have to determine that for yourself.  You also need to consider how you will transport your food and gear in the event you end up on foot.

Here is a post by my fellow California Preppers Network contributor, William Lankes, on what can be included.  Here's a very good post from the guys over at Survival Cache on the seven types of gear that should be in your BOB.  You can get a very detailed list here (PDF) from the folks at Survivalist Site.

Do a Google search for "BOB contents" if you need more ideas.

You must assume your BOB will contain all of your worldly goods.  I like to assume that my house has burned to the ground, everything was lost, and I have nothing other than what is in my BOB.

As I've discussed in the past, when the Oakland Hills Firestorm hit in 1991, that is EXACTLY what happened to my grandfather.  The only thing left in the area were the fire bricks from his neighbor's chimney.

As with most preparedness things, your BOB design and content is VERY personalized.  Some people fill one or more backpacks.  Personally, our BOB consists of multiple 60-quart lidded tubs you get at Walmart (Rubbermade, etc.).  They are individually numbered.  We grab them in order, based upon how much time and the number of vehicles we have at home when we evacuate.

Box One provides us with food, water purification, various types of equipment and self-defense items for 4 people for 11 days.  It also contains copies of our critical records, medical/first aid items and $1,000 in cash.

The food in Box One is in the form of Survival Bars and MREs.  Successive boxes contain more "normal" foods, such as canned meats, dried beans, grains, rice and pasta, spices and oils, etc.  Earlier boxes are filled with more densely-packed foods (high calorie, high protein), and later boxes contain more "comfort" items such as deserts, sweets, gravies and the like.

Equipment and tools to prepare the foods are added to the boxes as is appropriate.  Also, the first 4 boxes each contain a rudimentary ruck sack so that the contents can be carried in the event we are forced to abandon our vehicle(s). [We originally used the ruck sacks as the BOBs, but found it much easier to identify, catalog and rotate the contents when they are in a tub].

Remember:  When you're developing your own BOB, build it so that Survival, Post-Emergency Recovery, then Comfort are address, in that order.


BOB Contents
  1. Water filtration/purification
  2. Food for a minimum 1500 calories (more is better) per day, per person
  3. Self-defense weapons (at a very minimum, you should have a number of dedicated pepper spray canisters in your BOB - these are legal in all 50 states)
  4. Cash (this gives you options should events not unfold as you have planned)
  5. Shelter (tarps, ponchos, rope/paracord, tents, etc.).  This also includes clothing appropriate to the region and season.
  6. Fire-making tools (disposable lighters AND matches AND fire steels AND tinder)
  7. Important Records
  8. Sanitation items
  9. Medical/first aid items
  10. Air filtration masks
  11. Portable radio (preferably a dynamo-powered model)
  12. Travel Alternatives (you may be forced to abandon your vehicle)
You'll also notice that a number of items may require you to develop some new skills.  Do you know how to build a fire?  Erect a tent?  Build a tarp shelter?  Render first aid?  Set a broken bone?  Purify water?

Obviously, you and your entire group should learn and practice these skills now, before they're needed during a stressful emergency situation.


Evacuation Checklist

This list assumes you have some sort of vehicle with which to evacuate.  You should also assume you'll be forced to evacuate on foot, or be forced to abandon your vehicle before you reach your final destination.

Follow the checklist, IN ORDER of what you have deemed most important.  If you can complete all of the items, that is great.  But you may not have the time to do so.  Your list is prioritized to first provide you with Survival, THEN Post-Emergency Recovery, THEN Comfort.

YOUR OWN LIST MUST BE CUSTOMIZED FOR YOUR LIFESTYLE.

Evacuation Checklist (in order of completion)
  1. Load BOB into vehicle.
  2. Load emergency supplies of gasoline into vehicle. 
  3. Load Sleeping bags into vehicle.
  4. Determine evacuation destination and choose primary route
  5. Contact evacuation destination and inform them of the primary route being taken
  6. Post evacuation destination, primary route and destination contact information inside your home
  7. Load additional supplies (other than those in your BOB) as time and space allows
    1. Precious metals/additional cash
    2. Additional clothing
    3. Additional weapons
    4. Home business records, family photographs, computers, storage drives
Tomorrow:  Evacuation Transportation and Determining/Mapping Evacuation Destinations

Accept The Challenge

At some time in your life, it is very likely you'll need to evacuate your home.  It could be the result of a natural disaster, an accident or terrorist incident, or a horrible event, such as a house fire.

One of the key considerations is to have a mini-plan for evacuating from your work or while you're away from home.  Having a Get Home Bag (GHB) - which is really a smaller version of a BOB - can make your life much easier.  The biggest difference is that its focus is strictly on Survival - you're not concentrating on Post-Emergency Recovery or Comfort.

And, as with the SIP Checklist, if your place of employment does not have an Evacuation Plan, make one for yourself.  Don't become a victim simply because your company lacks foresight.

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Sunday, April 4, 2010

How High?

This stinks on so many levels -
U.S. Treasury Secretary Timothy Geithner said on Saturday he was delaying an April 15 report on whether China manipulates its currency but pledged to press for a more flexible Chinese currency policy.
Translation: Cower in the corner so you don't piss off your lender. Make sure you release the news of your cowardice on the weekend, when your compliant Media Scribes aren't at work.

China, shockingly, is acting in its own best interest. They have policies and programs that are in place for the well-being of their citizens. By keeping their exchange rate at a level which is beneficial to China, they are able to sell more of their products to the rest of the world.

Their policies make their exports less expensive for the rest of the world to buy, and imports more expensive for the Chinese to buy.  The result of the high import costs means that the Chinese have an incentive to produce more of their own goods - employing even more Chinese citizens.

What a concept: A government acting in its citizen's best interests.

Not wanting to just genuflect to our lenders, Timmy wants to whine about it as well -
Geithner implied that China's current policy was unfair to others, citing Germany and Japan's efforts to spur their domestic demand while maintaining floating exchange rates.

"Surplus economies with inflexible exchange rates should contribute to high and sustained global growth and rebalancing by combining policy efforts to strengthen domestic demand with greater exchange rate flexibility," he said.

"This is especially true in China," he added, noting that China managed to come through the financial crisis that wreaked havoc on other countries' economies while maintaining a 9 percent rate of economic growth in 2009.
Translation:  Everyone else is ruining their currency - you should, too!  Why should your, "surplus economy" be able to grow when all of ours are contracting?!

Geithner should institute policies that punish China for manipulating their currency, and impose sanctions that would be beneficial to the US.  Congress should rise up with One Voice and pass laws that would teach China to never mess with us again [I actually chuckled out loud when I wrote that].

But of course, they won't.  They know that China has us by the throat (or somewhere lower).  We've practically asked them to do so. 

Our policies of spending much, much more than we "bring in" have placed us at the mercy of countries like China.  The threat of them cutting off our credit line is causing us to take actions which are not in the country's best interest.

When China says, "Jump," our only reply can be, "How high?"

To save face, I'm guessing we'll issue some watered-down proclamation that is accompanied by a vigorous finger-shaking to the East.  We'll impose a few sanctions on some fringe products.  The administration will set up photo-ops with a small business owner in Toad Suck, Ark., who will share glowing reports of how his state-of-the-art dehydrated water business ("Just add water, and you've got.... water") plant was saved from the ravages of the Chinese.

And then little else will change.  You don't bite the hand that keeps you fed.


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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Saturday, April 3, 2010

Outside of the Comfort Zone

I'm quite excited.

The owners of the gun range where I do the bulk of my teaching - Center Mass Shooting Range in Vacaville, CA (gotta love that name!) - had mentioned that they had been getting a number of inquiries from customers about learning how to use their guns in a practical way.  Primarily for home defense, but also for concealed carry and any other defensive situations.

We scratched out some ideas together, and I developed an outline.  I used my IDPA experience as the primary reference.  It is focused on practical skills, not on the speed and flash of IPSC (no offense to IPSC shooters!).

Defensive skills using regular, off-the-shelf handguns.

Yesterday, I did  a dry run with 3 students.  It went very well.  The experience level was from rookie shooters to years of experience.  They ALL loved the class!

It will take most folks out of their comfort zone - but that's the idea.  Learning how to perform under a variety of different scenarios that you just can't replicate or practice in a normal shooting range setting.

We'll be offering the class to the public in May, and will likely do a discounted "early bird" class for past students of my other classes before that.  We're still working out all of the details.  I'll post more information as we get closer to "game time".

Accept The Challenge

Developing new skills is so important for all of us.  The skill category is almost irrelevant.  Whether it is developing new shooting skills, or experimenting with ways to make water potable, we need to push ourselves into being able to function in circumstances that are not optimal. 

We need to be able to adapt.  We do that by developing a broad set of skills.  Some may work in one situation, others may not.  The whole, "arrows in the quiver" thing.

Sticking with the shooting meme, if an armed intruder is in your home, it will be unlikely that they will remain stationary - allowing you to line up your sights and carefully adjust your grip and stance.  You and they will be moving, and they will likely be shooting AT YOU!

You need to have a broad set of skills to address the situation.  Off-hand shooting, shooting from behind cover, moving and shooting, and reloading, to name just a few.

Push yourself.  Get uncomfortable.

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Thursday, April 1, 2010

Applicable Individual = Cash Cow

The more I read about the health care bill, the more incensed I become.  How is it possible that something like this can be happening in America?

I pray that this is an April Fools joke.

Sadly, it ISN'T.  Most of us are now considered an, "Applicable Individual" by the new health care bill.  It is everyone that is required to spend their own money, or that of their employer, to purchase health care insurance, even if they don't want it.

There are always exceptions, so who gets off the hook (PDF)?  From Chapter 8 (Maintenance of Minimum Essential Coverage), Section 5000A -
(2) RELIGIOUS EXEMPTIONS.—
‘‘(A) RELIGIOUS CONSCIENCE EXEMPTION.—Such term [applicable individual - .ed]
shall not include any individual for any month if such individual has in effect an exemption under section 1311(d)(4)(H) of the Patient Protection and Affordable Care Act which certifies that such individual is a member of a recognized religious sect or division thereof described in section 1402(g)(1) and an adherent of established tenets or teachings of such sect or division as described in such section.

(...)

‘‘(3) INDIVIDUALS NOT LAWFULLY PRESENT.—Such term shall not include an individual for any month if for the month the individual is not a citizen or national of the United States or an alien lawfully present in the United States.
So, if you're a Muslim (they don't believe in insurance), Amish, American Indian or Christian Scientist, you're exempt from paying, but still get the benefits.

Not Lawfully Present?  Sounds like someone who has broken into your house.  To you and me, that means  Illegal Aliens.  If you are a citizen or legal alien, you must pay.

Yeah, follow the rules and pay.

Not only must we pay, but if we decide not to do so, we will have the new 16,500 IRS agents crawling up our butts, seizing our money and property, and generally making our lives miserable.

Are the Senators, Congressmen, Administration hacks and their compliant media scribes REALLY surprised people are rebelling against this kind of treatment?  Really!?
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Speaking of Compliant Media Scribes, they're doing their best to put a positive spin on the latest unemployment report.  The headline -
U.S. jobless claims fall 6,000 last week
Sounds pretty good, right?  Well.... not so much.  There were still 439,000 NEW CLAIMS LAST WEEK!  In the article, they also make the point that last month, 190,000 new jobs were created last month.

I know I shouldn't even try to understand, but how can you have 439,000 new claims last week (averaging 447,000 per week for the month of March - or 1.8 million for the whole month), but at the same time they say there were 190,000 new jobs created.  How do you reconcile those two seemingly contradictory numbers?

We'll, I'm not even going to try, since the vast majority of the created jobs were for temporary US Census workers.
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Treasury Secretary Geithner is telling us that high unemployment is here to stay for a while, so federal expenses are going to keep going up, but exemptions to paying for our federal largess are everywhere.  It is incredible to me that 36% of all people who filed a tax return had ZERO tax liability -
As a result, recently released IRS data for the 2008 tax year show that a record 51.6 million filers had no income tax obligation (see chart, click to enlarge). That means more than 36% of all Americans who filed a tax return for 2008 were nonpayers, raising serious doubts about the ability of the income tax system to continue funding the federal government's ballooning expenditures.
No tax liability.  What's that like?  Look at the chart they mention -


One way or the other, we're going to pay for this.  My guess is it will be a VAT -
In either scenario, the tax hike to come – as has been reported by many media outlets – is likely to be the “value added tax,” or VAT. The VAT is the most politically palatable means of raising revenue for a couple of reasons. It’s a stealth tax, for one. Consumers won’t see a line item on their receipts labeled “VAT,” but the costs will be built into the products they buy as surely as if it were a sales tax. It also appears to be a fair tax, since it applies equally to all goods and services. That’s how the VAT will be sold to the public, but the reality is quite a bit different.

The VAT is a regressive tax, making the costs of goods and services more expensive as a proportion of income for those who can least afford it. It’s also another way for government to extend the clinging claws of the bureaucracy even further into the free market, since the VAT is applied to every transaction that occurs along the way as goods are produced and services are offered. Liberals may – probably will – point out that some conservatives have championed VAT proposals in the past. True enough, but those conservatives who like the VAT do so as an alternative to an income tax, not in addition to an income tax.
Personally, I would love a VAT, but ONLY as an alternative to ALL other taxes.  But that will never happen.  It will be an addition to the taxes we now pay.

Accept The Challenge

The assault on our pocketbooks is never ending.  If you're not actively seeking ways to limit your tax exposure, you're going to be hit hard in the coming years.

Learn about and start employing barter.  Stop impulse buying, and plan your purchases.  In my latest post over at The California Preppers Network, I discussed purchasing your handguns via private party sales.  Here in my California county, that means you can reduce your out-of-pocket expenses for a $600 gun by almost $60.  That'll put a good deal of gas in the tank or preps in the pantry.  "A free 45 pound bucket of wheat with every handgun purchase!"

When you add in taxes on gasoline, sodas, alcohol, cigarettes and anything else our politicians can think of, you're not going to have any money left to do what you want.

Get educated on the "underground economy" and other similar concepts while you're still able.  It's going to require you to have skills or products that others need.  Look back into past difficult times - here in America and in places like the former Soviet Union - and see what people were willing to pay good money for.

Many, if not most, were restricted or outright illegal.  Time to pick your poison.

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Copyright 2010 Bison Risk Management Associates. All rights reserved. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com