Episode-712- Listener Calls for 7-28-11 — 18 Comments

  1. @Jack – I’m really looking forward to your new EDC show. In the mean time, I’ll go back and listen to 639 featuring Ron Hood on this topic.

  2. Paying extra to your bills incase shtf can be a VERY good thing. When I was younger (25+ yrs ago) I did it all the time. Many many many times over the years it saved our butts. Also I think it was a great stepping stone to helping us build a long term savings account. If used as a tool. I still use this tool from time to time. Coming up ….

    My hubby is facing a possible strike 13 months from now so next month I will start to pay extra towards the house payment. Even though we have about 7 month no touch ER fund & 2 month savings (touchable) if very strict could stretch to 12 + months. My reasoning is this.

    As soon as the vote comes in as strike. I draw about 10k off a home equity and plunk it into savings. All things that we will not die without are stopped that same day. All large bills that will be due within the next 2 months are or will already be paid (property tax home & car insurance) for a yr. We don’t have car pmts or visa debit. That crap made us homeless never again. Some of that will be paid out of the money I didn’t need to pay the house payment because I will have it paid ahead of time. Food shopping will be minimal if at all. Most likely I will have paid the power bill ahead but if we get back up power bought and paid for by next month I wont do that. (no need)

    Now some tell me I am crazy because you have to pay interest on the draw and we have enough in savings. And we are crazy to put extra to our house and then not pay monthly. They say we would be better off putting it in a savings account. For us I don’t see it that way. First Hubby WILL be a basket case & start driving me crazy by day two. So if I can say hey all the bills are already paid for the next 2-3 months including house payment and the other big ones. We have food and we have savings. Plus as a back up I already have a 10k lone pulled (if we let it sit for 3 months it will only cost us about $75 total way worth it for the sanity alone) So if something bad really goes wrong we already have the lone just in case we couldn’t get one later.

    I also have a stash of cash and supplies for projects. Along with a huge honey do list! If I can keep him busy for 1- 2 months we won’t have to use any of that money for a divorce or burial (his) hee hee. When strike is over we pay back the lone sit back and admire all the work that got done. No harm no foul.

    We have been through 4 strikes the longest lasting 4 months ( wasn’t bad when it was during hunting season) and two lay offs the longest lasted 3 years. We have been unemployed 3 times and homeless twice. Learned a lot from that. Much more than the financial gurus tell you.

    Number #1 rule live below your means &/so you can pay yourself first even if it is $1.00. Without a savings you go right back into debit at the blink of an eye. #2 owe as little to others as you possibly can bank electric grocery stores & so on. #3 don’t ever stop counting your PENNIES watch it daily. #4 buy /save for in advance that which you know you will NEED (NEED =if you don’t have it you will die or go to jail or cost you big time finically like medical bills could if you didn’t have insurance) #5 be happy and grateful have fun & feed your spirt with your money.

    For us facing strike or what ever is much better now that we have these rules. ( shhhh I am kind of hoping for a short strike just don’t tell hubby so many projects to do.)

    For next contract I am planning on having the house paid off and an RV paid for with gas money saved so we can take a trip. YES!!! 35 yrs and we possibly can have a vacation that lasts longer that 1 day.

    In case you are wondering we are a 1 income family about 55k yr. It can be done. I did it by paying extra on bills. (oh I should say that I don’t do the “even pay” for electric because the way they do their math for 9 months out of the year I was paying more monthly than what my electric bill was. Thats why I just started paying extra in the first place. It helped out during the high winter cost. Which helped for the holidays.

    Now if you are a person that can put money away and never be tempted to spend it then this most likely is not the best way to go. But if you have spending break downs it may help. You need to look at it for yourself.

  3. I second the leaves for mulch Jack. Been using all the wonderful oak leaves that fall on my property for garden mulch and compost for a couple of years now. I have not found any store mulch that works near as good and can’t beat the price!
    My youngest son commented the other day that the oak trees shade our home and keep it cool in the summer, they drop their leaves that we use in our garden to help feed us, and when the tree dies or needs to be removed we use the wood to keep us warm in the winter, and that even the ash is put back in the garden and used. Moving to the country was the best thing we ever did no school can teach that to a 8 year old.

  4. re sunflowers – this year I have sunflowers along a 6 foot high fence, as the flower buds were forming some were right against the fence and some were drooping a foot out from the fence. The ones that were right up against the fence became flower head snacks for some rodents that could sit on the fence and easily eat the flowerheads, the ones drooping out have been left untouched so far.

  5. RE: Weeds in the garden / mulch

    It just occurred to me – why are we trying to keep bare soil in a garden in the first place?

    Why not just trench rows, plant in the rows and use compost and mulch along the trench.

    That way you could just mow in between rows, do a hell of a lot less weeding, and use less mulch and compost.
    Wouldn’t have to rake up or move grass clippings either – let them fall where they may once the plants are big enough.

    Yes I know grass takes up water and nutrients but it also makes for a nice insulation.
    If you were so inclined ya might even call it “carbon neutral” LOL!

    Maybe I’m way off base but that’s my brain fart for today.


  6. For the airman who is worried about moving around and gardening, it might help to keep the containers and if you have to move before it’s time to reap the benefits, pawn them off on the neighbors. You lose out on your initial investment but you’re still learning the skill (like Jack suggests) along the way and potentially spreading the gospel of gardening to others. I guess that’s one way to look at it.

  7. Re air travel with firearms

    I’ve done this several times without any drama, by following a few simple steps. I print out 3 copies of 1) TSA rules about traveling with firearms in checked baggage 2) the airline policy for traveling with firearms [whatever airline I happen to be flying on] 3) the laws re: concealed carry at my destination. Like you said, make sure your firearm is unloaded and in a locked, hard sided case. I usually put my ammo in an original ammo box. You can put the ammo in your luggage, but TSA may want you to lock it in with the firearm (not sure why, doesn’t make much sense to me). Just march up to the check in counter and tell the airline agent that you have a firearm to declare. They will hand you a card that basically declares that the firearm is unloaded. Then put the cased firearm back in your checked luggage. After the airline weighs it, you will take it to the TSA guys for x-ray. Tell them that you have a firearm in your luggage. Most often they won’t bother looking at it, but sometimes they do. I always stay until they run my bags through, that way if they need to open it, they don’t have to break my case or try to page me from somewhere else in the airport. Just like when you are carrying concealed, use common sense. Don’t be loud, just act like it’s the most normal thing in the world. Most times the airline folks don’t bat an eye. Don’t pull out your gun and start waving it around (I know, common sense). If either the airline or TSA starts to hassle you, show them your printed copies of the respective airline/TSA policies. If they continue to hassle you, ask for a supervisor. Be polite, but firm. So far I haven’t had any such trouble.

  8. On the ammunition- I’ve heard on the radio show Gun Talk that you have to put the ammunition in “an original ammunition container” – which means if you reload, save a few boxes to put the ammo in when you fly and don’t use your MTM Caseguard boxes. That’s just what they said on the radio show…

  9. In regards to the EDC…
    Wait, the Batman look isn’t cool? (Yes, I’m listening to the podcast right now and no I’m not patient enough / too A.D.D. to wait to respond) I know one guy who takes his backpack / bookbag with him everywhere he goes. He does take it off, but that’s a nice way to handle some of the larger items.

    I’d also recommend a cord donut- I believe this was on Dave Cantebury’s Youtube channel? It’s a little slow to make, but super quick to take apart!

  10. Jack mentioned that Donald Trump has a book out that deals with personal asset protection. Does anyone know which one of the Donald’s many books it is?

    Personally I think Trump is a scumbag who would use his power and influence to push an old lady off of her property so he can build one of his loser casinos over it, but if Jack endorses the book I would buy a used copy for a much reduced price, and not enrich the despicable Trump.

  11. When transporting a firearm via commercial air carrier Jack already mentioned being aware of the firearms laws at your destination; however, one additional potential issue to be aware of if you are not flying a non-stop flight, is the potential for a lengthy unplanned layover. There are two events that I am aware of where due to an unplanned problem (I forget if it was mechanical or weather related) a simple layover in Chicago turned into an overnight stay. When the customer declared the firearm to the ticket agent the next morning, he ended up being arrested for illegal possession of a firearm. It seems he had no Illinois FOID. A similar incident happened to another flyer, but this guy refused to take his luggage and after threats of legal action, the air carrier maintained custody of the luggage.
    I have some friends who fly from central Ohio to Las Vegas three or four times a year for training at Frontsight, and he goes out of his way to avoid layovers when possible, and always avoids certain cities and states. He has never had an issue with either the carrier or the TSA. Keep in mind though that even a non-stop flight can end up making an unplanned stop, and be aware of the potential issue before it becomes a problem.

  12. from

    “Finally, the United States Department of Justice has issued a written opinion that federal law protects airline travelers with firearms, assuming: (1) the person is traveling from somewhere he or she may lawfully possess and carry a firearm; (2) en route to the airport the firearm is unloaded and inaccessible from the passenger compartment of the person’s vehicle; (3) the person transports the firearm directly from his vehicle to the airline check-in desk without any interruption in the transportation, and (4) the firearm is carried to the check-in desk unloaded and in a locked container.”

    • @David, we need to find that on the and print it out. I would suggest anyone in travel with a firearm on aircraft have two copies, one on their person and one in the firearms case.

  13. I’m having a difficult time finding the full text of FOPA on any federal website.

  14. I was told by my lawyer that if I incorporated my business, the courts in my state would walk right through the corporation or LLC to take my assets if I’m the 100% owner. He told me that insurance is my best option to protect my assets.