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A cultist is one who has a strong belief in the
Bible and the Second Coming of Christ; who frequently attends
Bible's studies; who has a high level of financial giving to a
Christian cause; who home schools for their children; who has
accumulated survival foods and has a strong belief in the Second
Amendment; and who distrust big government. Any of these may qualify
[a person as a cultist] but certainly more than one [of these] would
cause us to look at this person as a threat, and his family as being
in a risk situation that qualified for government interference. --
Falsely
attributed to Janet Reno, Interview on 60 Minutes, 26 Jun 1994
Be prepared. -- Boy Scout Motto
Be prepared, self-reliant, and independent. Times of plenty are times to live providently
and lay up in store. Times of scarcity are times to live frugally and draw on those stores. -- Bishop Keith
B. McMullin, (Ensign, Nov. 2002, p 96)
But if any provide not for his own, and specially
for those of his own house, he hath denied the faith, and is worse
than an infidel. -- 1 Timothy 5:8
Do not rely on the government for anything,
especially your survival. --
Fr. Frog
Food is power. We use it to change behavior. Some
may call that bribery. We do not apologize. -- Catherine Bertini,
Executive Director of the UN World Food program, Sep 1995
If ye are prepared ye shall not fear. -- Doctrine &
Covenants 38:30
Instead of thinking of reasons why it can't be done, find ways to do it. -- Neil Bergt,
Chairman & CEO, MarkAir
It wasn't raining when Noah built the ark. -- Howard Ruff
Learn to sustain yourselves; lay up grain and flour,
and save it against a day of scarcity. -- Brigham Young (Discourses
of Brigham Young, p 293)
Preparation through education is less costly than
learning through tragedy. -- Max Mayfield, Director National
Hurricane Center
Preparedness, when properly pursued, is a way of
life, not a sudden, spectacular program. -- Spencer W. Kimball, 1976
Remember; when disaster strikes, the time to prepare
has passed. -- Steven Cyros
Self-Reliance is a prerequisite to the complete
freedom to act. -- Marion G. Romney, 1984
Some people are making such thorough preparation for rainy days that they aren't enjoying
today's sunshine. -- William Feather
The only thing more terrifying than an emergency is
actually living off the food you have stored! Your food storage
should be food you would rotate into your daily diet. -- Author
Unknown
We live in a most exciting and challenging period in
human history. As technology sweeps through every facet of our
lives, changes are occurring so rapidly that it can be difficult for
us to keep our lives in balance. To maintain some semblance of
stability in our lives, it is essential that we plan for our future.
I believe it is time, and perhaps with some urgency, to review the
counsel we have received in dealing with our personal and family
preparedness. We want to be found with oil in our lamps sufficient
to endure to the end. -- L. Tom Perry (Ensign, Nov 1995, p
35)
You are responsible for what happens to you. --
Fr. Frog
You won't have trouble if you are prepared for it.
-- Fr. Frog
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In
what ways could our lack of self-reliance affect us spiritually?
- Marital stress > divorce
- Self-reliance is a prerequisite to the complete freedom to act
- Jacob 2:17-19 - Think of your brethren like unto yourselves, and
be familiar with all and free with your substance, that they may be rich like unto you. But before ye
seek for riches, seek ye for the kingdom of God. And after ye have obtained a hope in Christ ye shall
obtain riches, if ye seek them; and ye will seek them for the intent to do good—to clothe the naked,
and to feed the hungry, and to liberate the captive, and administer relief to the sick and the afflicted.
- In general, are those who
chronically need assistance truly preparing themselves to a Celestial level?
- The toughest part of being
unemployed is admitting the need to accept help. Everyone likes to be self-sufficient. But we all need
to learn to receive gracefully.
What
kinds of situations require us to be self-reliant?
-
Unemployment
-
Crop failure as a farmer
resulting in loss of income
-
Local, regional,
national, or global crop failure resulting in widespread food shortage and high prices
-
Transportation system
failures due to labor strikes, weather, or fuel shortages
-
War or civil unrest
-
Rationing
-
Economic crisis such as
a depression
-
Disease epidemics and
quarantines
-
Needs of family members
experiencing any of the above situations
The
following steps, if taken religiously, will prepare oneself and his family to be self-reliant
Budgeting
- What is budgeting?
- Estimate income
- Allow for seasonal fluctuations
- Don't spend anticipated pay raises -- build budget based upon current income
- Estimate expenses
- Review spending patterns over past few months looking for ways
to improve money allocation. This is the starting point for creating a budget.
- Distinguish between wants and needs
- Set spending priorities.
- Bad: Open-end budgeting fluctuates with anticipated pay increases. It does not not freeze or
control expenses and will never truly get a handle on the budget.
- Good: Closed-end budgeting establishes a fixed level of prioritized spending that is less than
income.
- A good budget is firmly agreed upon by both spouses, but retains flexibility to deal with
appropriate changes
- Pay tithes and offerings first
- Pay yourself
- Retirement
- Tax deferred accounts available through employer
- IRAs
- Self-employment tax deferred accounts
- Save for future expenses
- Planned purchases such as car, furniture, appliances
- Missions
- Weddings
- Education
- Personal spending money for each member of the family
- Each person should have an allowance to spend as he sees fit without having to justify the
expense to anyone
- Recreation
- Vacation
- Hobbies
- Date night
- Fixed expenses
- Lodging
- Mortgage or rent
- Utilities
- Routine maintenance
- Food
- Clothing
- Transportation
- Debt reduction
- Emergency fund (3-6 month’s income)
- Unemployment
- Crop failure if a farmer
- Unexpected repairs to home, car, etc.
- Unexpected medical bills
- Food storage
- Goal is 1-year supply of food, clothing, fuel, etc.
- Rotate your stored food and other items
- Don't let food sit in storage for years. Instead, remove food from storage after a year, eat it,
and replace with fresh food storage.
- Store what you eat. Eat what you store.
- Store only what your family enjoys eating -- in times of crisis, familiar food can add stability
and comfort to the situation.
- Gain familiarity with emergency food preparation methods (ie on a camp stove, over a campfire,
or in a dutch oven) before the crisis hits.
- Water, water purification
- 72-hour kit
- Miscellaneous
- Taxes
- Education
- College
- Private school
- School fees and supplies
- Tutoring (music lessons, etc)
- Donations to charities
- Gifts to family and friends (Christmas, birthdays, weddings, etc)
Debt
Management
- Church leaders acknowledge the need to borrow to buy a home,
sometimes for education, and in some cases to buy a car
- Debt can be a useful tool, such as to buy equipment for a
business if the equipment will pay for itself
- Avoid borrowing to buy something that doesn’t retain value or
that doesn’t pay for itself such as food, furniture, appliances, clothing, food storage, pleasure
items (stereos, TVs)
- Set goals and dates for elimination of debts
- If you have a $3,000 credit card balance with 17.9% interest, it
will take 37 years to pay of the account by making only the 2% minimum payment. Total payments will be
nearly $11,000! At 14.9% interest, it will take 26 years with a total of over $7,400 in payments.
- Make debt elimination a high-priority budget item.
- Stop assuming new debt and stop continuing to use existing accounts. Direct the lenders to close
all accounts (advising them that you will continue to pay the debts) except one or two
low-interest-no-annual-fee credit cards.
- Set a fixed minimum amount for debt liquidation. This amount is equal to the sum of all
monthly consumer debt payments
- As soon the smallest debt is paid, roll the amount spent in monthly payments on that account over
to pay another account (choose either the account with the highest interest rate or the account with
the lowest outstanding balance).
- Continue this process until all debts are paid.
Teach
spouse, kids about financial standing
- Topic for family home evening
- Who handles the money? Is this agreeable to both spouses?
- Does the money handler keep secrets (intentional or otherwise)
from the spouse?
- Can you (or your spouse) assume control if something happened to
the money handler?
- What if something happens to both parents?
Legal
protection
- Will
-
Every parent and every spouse must have a will to direct the distribution of assets and the care of
minor children
- Trusts
-
Living trusts are an additional tool to distribute assets of an estate
- A will is still essential
- Power of attorney, durable power of attorney
- Enables another trusted person to conduct business in one's absence
- A durable power of attorney remains in effect if the grantor is incapacitated
- Health power of attorney
- Directs one's own medical care if incapacitated
- Insurance
- Health
- Life
- Disability
- Liability
- Auto
- Home
- Long-term care for the disabled
Education
/ skills
- Have a back-up skill in case you can’t continue your present
career due to health, technology, etc
- Continue education to improve advancement opportunities
Health
- Preserve your health so you can support yourself and your family
- Healthy people are better able to cope with crises
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For most individuals and families, preparation is limited to assuming government will help
when times get hard. However, people should learn to take responsibility for their own welfare rather than
always depend on others for support. There may even be occasion when government is unable or unavailable,
even unwilling to help when the need comes. At the very lease, one must expect delays and restrictions in
government assistance during times of stress.
This list helps guide individuals and families in preparing for crisis. Many people have
experiences in their lives at one time or another where this preparation can be at least reassuring and even
lifesaving. Perhaps the most common crises requiring this preparation are job loss and disability. Many families find they also need to take advantage of this preparation during and after disasters such as
fire, flood, hurricane, tornado, or earthquake. Other remote, but possible situations include civil
disruption, interruption of the transportation system, hyperinflation, breakdown of the market economy, even
war.
It is not expected that every family or individual have all these items. The cost of
obtaining and maintaining everything on this list would be prohibitive for most people. Therefore, do what
you can, when you can, to obtain what you feel is most important for your situation. Buying a few extra
items of food and other supplies each time you go to the store can help to steadily prepare for disaster.
One should also consider other resources that would available during a crisis such as neighbors and
relatives. For example, several families can share a single garden tiller. Many of these items deteriorate
with age -- even canned foods and gasoline. Such items should be rotated (replace stored items with new
items, then consume the replaced items).
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Clear title to your own home and land
Four month's wages in savings
Savings for two year’s property taxes
Food (one year)
- Baby food
- Baking power
- Baking soda
- Beans
- Bouillon: chicken/beef
- Brown rice
- Coffee creamer for powdered milk
- Flour (white)
- Fruit – canned (wet or dehydrated)
- Fruit juices (100%) - canned or bottles
- Garlic powder
- Honey
- Meat (canned) (wet of dehydrated)
- Milk (powdered)
- Oatmeal
- Olive oil for cooking & for blessings
- Onion power
- Pepper
- Pet food & supplies
- Salt
- Soups with meat (wet or dehydrated)
- Special dietary items
- Spices
- Spray oil
- Sugar (brown)
- Sugar (powdered)
- Sugar (white)
- Tomato sauce
- Vegetable oil
- Vegetables – canned (wet or dehydrated)
- Vitamin and mineral supplements
- Water purification filters, tablets, or chlorine bleach
- Wheat
- Yeast
Garden
Personal Hygiene Item (one year)
- Body Lotion
- Cosmetics
- Curlers
- Deodorant
- Dental floss
- Hairspray
- Hair conditioner rinse
- Hand soap
- Kleenex
- Mouthwash
- Nail polish (clear)
- Nail polish remover
- Paper towels
- Razor
- Razor blades
- Sanitary napkins
- Shampoo
- Tampons
- Tissues
- Toilet paper
- Toothbrushes
- Toothpaste
Clothes (one year)
Medical & First Aid Supplies (one year)
-
Antacid
-
Antibiotic cream or ointment
-
Anti-diarrhea medication such as Pepto Bismol
-
Antihistamine such as Benadryl for allergic reactions
-
Antiseptic wipes
-
Arm sling
-
Bandages
-
Ace bandage
-
Gauze pads (3x3", 4x4", 5x5", triangular bandages)
-
Gauze rolls (conforming roller gauze bandage, 3" cohesive bandage)
-
Band-aids (20, assorted sizes)
-
Cold medicine (decongestant/antihistamine)
-
Cold pack
-
Contact lenses
-
Contact lens solution
-
Contact lens cleaner
-
Cotton balls
-
Cough drops
-
Cough syrup
-
CPR breathing barrier or face shield
-
Disinfectant
-
Disposable gloves
-
Electrolyte solution like Pedialyte to restore fluids
-
Eye drops
-
Eyeglasses
-
First aid manual
-
First aid ointment
-
First aid tape (2-inch)
-
Germicidal hand wipes or waterless alcohol-based hand sanitizer
-
Gloves (non-latex, medical grade)
-
Hydrocortisone
-
Hydrogen peroxide
-
Iodine
-
Laxative
-
Medical thermometer (rectal for infants, oral for others)
-
Medicinal herbs with book
-
Nose drops
-
Pain reliever (Acetaminophen, Aspirin, Ibuprophin) -- liquid for young children,
tablets for older kids and adults
-
Phone numbers of your local poison control center, pediatrician, hospital
emergency room
-
Prescription medications
-
Q-Tips
-
Rubbing alcohol
-
Skin moisturizer
-
Scissors
-
Sore throat spray or lozenges
-
Suction bulb to clear a baby's nose
-
Super glue
-
Syrup of ipecac and activated charcoal for treatment of poisoning. Note: Call
your doctor or poison-control expert before administering
-
Tweezers
-
Zinc oxide-based product for diaper rash
School and Office Supplies (one year)
-
Envelopes
-
Glue sticks
-
Lined paper
-
Markers
-
Notebook dividers
-
Notebooks
-
Pencils
-
Pens
-
Postage
-
Stationery
-
Tuition – for one year
-
Type paper
72-Hour Kit (this should be in a backpack or duffle for
immediate and easy carrying in case you must evacuate for a short period due to flood, forest fire,
toxic leak or spill, hurricane, tornado, etc.) See also Camping Survival Kit
-
Battery-operated radio with batteries
-
Blankets or sleeping bags
-
Can Opener – non-electric
-
Cash (plan for a 2-week vacation)
-
Change of clothing
-
Chlorine bleach
-
Disinfectant
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Emergency preparedness manual
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Feminine supplies
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First aid kit
-
Flashlights with batteries
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Food for at least three days (select foods that don't require refrigeration,
preparation or cooking, and water)
-
Manual can opener
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Matches
-
Mess kits or paper plates, cups, plastic utensils
-
Personal hygiene items
-
Plastic garbage bags
-
Pliers or multi-tool
-
Sewing kit
-
Soap
-
Special needs (diapers, formula, medications)
-
Toilet paper
-
Utility knife
-
Vitamin supplements
-
Water (1 gallon per person for 14 days - change every 6 months)
Camping-Hiking Survival Kit (see also 72-Hour
Kit and Camping Equipment)
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Family Records (in fireproof safe)
-
Computer backup tapes/disks
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Education records
-
Diplomas
-
Report cards
-
Special commendations/awards
-
Standardized test scores
-
Transcripts
-
Vocational/professional training
-
Volunteer training (ie Boy Scout leader)
-
Employment records
-
Family tree
-
Financial records
-
Accounts receivable
-
Annual income/expense summary
-
Bank account records
-
Charitable contribution records
-
Credit card and debt records
-
Frequent flyer records
-
Funeral arrangements and planning guide
-
History of loan payments
-
Information to report lost/stolen cards
-
Investment gains and losses log
-
Ledger of stocks, bonds, mutual funds, certificates of deposit, precious
metals and jewels, etc
-
Personal financial statement
-
Savings and Investment records
-
Stock and bond certificates
-
Tax records
-
Genealogical records
-
Health & medical records
-
Insurance policies
-
Auto
-
Boat, airplane, ATV, etc
-
Disability
-
Health
-
Home
-
Insured property list
-
Life
-
Insurance claims records
-
Inventory of valuable household goods (with photos or video)
-
Appliances
-
Collectibles
-
Computer equipment
-
Firearms
-
Furniture
-
Jewelry
-
Tools
-
Military and VA records
-
Awards and decorations records
-
Disability records
-
Discharge records (ie DD-214)
-
Training documentation
-
Pension records
-
VA education eligibility certificates
-
VA home-loan eligibility certificates
-
Personal records
-
Adoption records
-
Birth certificates
-
Club/organization affiliations
-
Court records
-
Death certificates
-
Divorce decrees
-
Driving record
-
Emergency and commonly called phone numbers
-
Gift giving record
-
Journals & diaries
-
Marriage certificates
-
Military & veteran's records
-
Names, addresses, birthdays of friends & family
-
Passports
-
Periodical subscription information
-
Voter registration ID
-
Pet care records
-
Photographs & albums
-
Power of Attorney documents
-
Property records & titles
-
Assessments
-
Auto
-
Inventory of personal property and collectibles
-
Maintenance records
-
Patents, copyrights, royalties, etc
-
Real estate
-
Warranties
-
Retirement records
-
Wills and trust documents
Items for Children (one year)
-
Board games
-
Books
-
Crayons
-
Games
-
Toys
Camping & Cooking Equipment (See also www.nay.org/camplist.htm)
-
Axe
-
Backpack
-
Bow saw
-
Camp stove with fuel
-
Candles
-
Can Opener – non-electric
-
Charcoal
-
Charcoal grill
-
Compass and appropriate maps
-
Cot(s)
-
Dining fly
-
Dutch ovens
-
Kerosene
-
Kerosene heater
-
Kerosene lamps
-
Large kettles for heating water
-
Paper towels
-
Plastic cups (heavy-duty)
-
Plastic wrap
-
Potato peeler
-
Propane
-
Rope
-
Rubber gloves
-
Sewing kit
-
Shovel
-
Sleeping bags
-
Sleeping pads/mattresses
-
Tarps
-
Tent(s)
-
Toilet paper
-
Trash bags (3-4, large)
-
Water buckets/barrels
-
Waterproofing
-
Wheat Grinder – Hand-operated
-
Zip-Loc bags – various sizes
Auto
-
Air compressor or Fix-a-Flat
-
Antifreeze - 1 gallon
-
Axe
-
Blanket
-
Brake fluid - 1 pint
-
Clothes, warm
-
Coveralls
-
Deicer spray
-
Duct tape
-
Electrical tape
-
Extra gasoline
-
Fire extinguisher (ABC type)
-
First aid kit
-
Flares
-
Flashlight
-
Fuel stabilizer (ie Stabil)
-
Gasket sealer
-
Gasoline - 5-gallons
-
Gear oil - 2 quarts
-
Gloves
-
High-lift jack
-
Hose clamps
-
Hydraulic jack
-
Jumper cables
-
Matches
-
Misc nuts & bolts
-
Motor oil
-
Multipurpose tool (ie Leatherman)
-
Oil filter (s)
-
Paper towels
-
Plywood (2' x 2' x 3/4") for jack base in soft soil
-
Power steering fluid - 1 quart
-
Pulley drive belt
-
Radiator sealer
-
Shovel
-
Silicone spray
-
Snacks
-
Spare fan belt(s)
-
Spare tire - full-size
-
Tarp
-
Tire chains
-
Tire pressure gauge
-
Tire repair kit
-
Toilet paper
-
Tools (mechanics)
-
Tow strap
-
Transmission fluid
-
Trash bags (3-4, large)
-
Water (2 gallons - change every 3 months)
-
Wet wipes
-
Winch or come-along (hand or electric)
-
Windshield scraper
Other Supplies & Equipment (one year)
-
Batteries
-
Binoculars
-
CD player with music CDs
-
Clocks with batteries
-
Clothesline
-
Clothespins
-
Dish soap
-
Disinfectant cleaner
-
Fire extinguisher
-
Firewood
-
Fishing equipment
-
Flashlights
-
Fuel stabilizer
-
Garbage bags
-
Generator with fuel
-
Glue (carpenter/hot glue/super glue)
-
Gun cleaning supplies
-
Guns & hunting ammunition
-
Gun safe
-
Ham radio & antenna (if licensed)
-
Hobbies
-
Large tubs, scrub board, & wringer for washing clothes
-
Laundry detergent
-
Matches
-
Paper towels
-
Radio (battery-operated)
-
Scriptures
-
Shut-off wrench to turn off household gas and water
-
Spray bottles
-
Tape recorder with blank tapes
-
Tools (mechanics)
-
Tools (household/woodworking)
-
UPS (Uninterruptible Power Supply)
-
Wood burning stove with external air supply
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