Archive for July, 2011

A lot of people claiming to be Christians like to throw their relationship with God around and claim that because of their faith, America is held in a special place by God and therefore cannot fall. Brings to mind the Lord’s Prayer doesn’t it?

You know how it goes; Our Father, who art in Heaven, Hallowed be thy name, thy kingdom come, my will be done on earth as it is…..”Whoa! Wait a minute, that is not how it goes,” you are screaming as you read this piece. (I know you are, I can hear you.) Of course, it isn’t but that is how most Americans pray, isn’t it? You seem to believe that America has a special dispensation to be relieved from misery and failure. However, this simply is not true.

A peculiar revelation crept into the back of my mind as I was mowing the lawn earlier today. Scripture tells us that we are to be a good steward with the earth, and to tend to His flock and garden. But we all too often forget that they are His flock, and His garden, not ours. We are merely to tend to His property and take care of it.

It is not our lot to decide which grapes to grow and where. It is not our decision to decide whether to make wine, grape juice or simply harvest the grapes to eat as a fruit. It is our lot to tend to the vines, clipping, weeding and watering the crop. It is up to God to decide which grapes will be grown and how they will be used after HE harvests them.

We are required to tend to His property here on earth, not make all of the decisions and control the earth for our own benefit. What we do is to be done for His benefit.

As we get ready to survive the coming times, we need to hold these truths in mind as we develop our preparedness plans. Some of you are under the impression that America will never fall under the dominion of the spirit of the Anti-Christ, but scripture says otherwise.

According to Revelation 17:17; for God did give into their hearts to do its mind, and to make one mind, and to give their kingdom to the beast till the sayings of God may be complete… (Young’s Literal Translation (YLT) The King James version puts it; For God hath put in their hearts to fulfil his will, and to agree, and give their kingdom unto the beast, until the words of God shall be fulfilled…

What this verse basically says is that all rulers will give control of their nations over to the power of the beast. Gods will cannot be done until this occurs. And guess what, this is being done even today. More and more we are seeing control of our lives being put into the hands of people who are clearly not true believers in Christ.

The end times are a comin’, watcha gonna do ’bout it? The answer is, naturally, prepare for the coming times. This brouhaha over the so called debt ceiling is certainly sign enough for anyone willing to open their eyes and ears to realize that there never was a recovery from this economic depression time we are going through today. Prices continue to rise, food and other products are becoming scarce and we frequently se out of stock labels on an increasing number of products on the grocery store shelves.

Sales figures are trending downward across the entire retail spectrum. Even Walmart has experienced their seventh period in a row of declining sales volume. And you know things are bad if the big blue giant is struggling. So what are we going to do to get ready for the coming times?

There are several areas of need that you should be taking a serious look at. One of them is heating your home this winter, and in following winters as well. I have already posted a piece on heating oil and guaranteed price contracts, usually known as fixed or capped price contracts. Read it and use that knowledge to lock in some good pricing for this coming season. (2011-12 season) You should also take a look at how well insulated your home is and ways you can improve upon that insulation to lower your heating costs. Also take a look at some of the various alternative heating sources, as well as back up plans in case you suddenly find yourself unable to heat with your usual equipment.

Your food storage needs also should be examined. Have you started your long term food storage plans? Have you begun to acquire this type of food supply? How are you going to store that food so that it is kept safe and in a controlled environment?

Water is another concern. What are your plans should the public water supply suddenly fail if that is your current source? If you are on a well, is your pump operable without having to rely on the commercial electric grid for power? Look into a DC pump and a solar panel/battery setup for your wells pumping need.

How about your income situation? If things collapse will you still be able to collect a paycheck, and actually use it to purchase what you need without having to rely upon that little plastic card we all use today? Do you have some cash on hand in a safe place to tide you over until that cash becomes useless? In addition, do you have a plan to have a second or alternative income stream should you no longer be able to work? I hate to say this, but if the economy collapses, will your employer fold like a bad poker hand?

There is really no need for the economy to come to a crashing halt should an agreement not be met on raising this bogus debt ceiling, but it is possible that this is simply an engineered disaster that will allow the government to implement its plans to enact a dictatorship of this country. This is not a pleasant thought, but it is a possibility, however remote it may be. We will know in three weeks time what the outcome will be. I am predicting that the debt ceiling will be raised and that our government will continue to increase its spending on wasteful programs that do little more than lock in votes for those professional politicians that have come to rely on buying the vote as opposed to truly earning the vote of the people.

Hard times are a comin’, brother, watcha gonna do ’bout it?

On my internet radio show, Surviving the Times, I take time out every Fall season to report on the position of energy costs. And, every August I remind people that that month is the best time of the year to make your arrangements for your heating oil contracts. This year will be no different, as I can see at this point, since the pricing of the futures contracts follow the same trend even though the price is going up.

You can keep your fuel costs low by entering into a fixed contract, of which there are two basic types for your home energy needs. One of these types is a fixed price contract, and the other is a capped price contract. You can get burned easily on either one if you are not careful, but it is much better than praying that the price of oil won’t climb beyond your ability to pay for it.

Here are a few general points to consider, and bear in mind as you search for an oil supplier;

  • All contracts for the retail sale of home heating oil must be in writing.
  • Read all the terms and conditions outlined in the contract before signing; keep a copy for your personal records. Pay extra attention to the small print.
  • Be familiar with the types of contracts a company offers for price protection programs.
  • Usually, fuel contractors offering pre-paid fuel contracts must show upon request that they have pre-purchased the fuel or have obtained a bond against fuel sales.
  • Be aware of any default terms that may void the contract.
  • Check on references of customers who have had contracts with the oil company.
  • If you think that a fuel company has not abided by its contract or has used unfair or deceptive business practices, you can generally approach or contact your state agency that covers the issues in question.

States have different regulatory requirements for not only supplying fuel oil, but in how the individual contract/agreements can be set up, so I would recommend you investigate thoroughly the laws pertaining to your state before committing to any deals.

Fixed Price Contracts

Fixed price contracts are simply that, a contract that says you pay X number of dollars per gallon of fuel for the duration of the contract. Normally, a fuel dealer is able to provide for this pricing structure because he either has pre-purchased the fuel under contract, or has made an agreement with a wholesale supplier via a similar contract scheme as you have agreed to with the retail dealer. Initially, the price per gallon may be higher than the market price or advertised price, and you may feel as though the dealer is screwing you, but as demand for heating fuel increases, so doesn’t the market price. With a fixed price contract, you will pay that same amount no matter how high the market price gets. You will be happy when the price soars, but not so happy when it does not. It is in fact a gamble, but in my experience, it is a gamble well worth taking.

The commodities markets show a steadily increasing price on the wholesale market, and I would guess that we may easily see $4.50 to $4.75 by the end of January, at least in the area I live in at the moment. Currently, the price ranges from $3.299 to $3.539 per gallon in this same area. And there are indications that the price may in fact top $5.00 per gallon, though I do not see prices in this area getting that high.

Capped Price Contracts

In a capped price contract the price per gallon is free to float up and down, but it will not exceed the top price set between you and your retailer. This scheme may have some benefits that are not readily apparent, such as the possibility that some extant reason may keep the price of oil lower than expected for the entirety of the season, which would be a bummer for those who chose the fixed price scheme. But again, I do not at this time see any such thing happening in the markets this year.

No matter which way you chose to pay for these contracts, you will always have to either prepay the entire amount owed to the dealer, or agree to installments, which sometimes come with added surprises, such as processing fees and high interest rates for late payments. Either way, you need to be able to guarantee that you can in fact pay for the fuel. This usually leaves those who are poor out of the loop as their credit score suck like a broken Hoover.

It is best that you investigate now as to what your options are for your situation. No matter what the forecast says, it is going to be a cold winter, and heating your home is something only the truly obtuse will put off till the last minute.

As I stated before, August is always the best month to buy oil for heating, so keep an eye out for pricing deals that will allow you to save big during the winter months. Always read, and reread the contracts before signing, pay attention to the small print, and if you don’t understand something on the contract, get someone to explain it before signing. Another thing to watch for is the financial stability of the retailer you are looking at to buy your heating oil from. Are they stable enough that they won’t pull the plug from you in the middle of the winter? I have seen too many instances where dealers have gone under in the middle of the season because they failed to anticipate market conditions far enough in advance. Many good people have been literally left in the cold because of no fault of their own.

Pay attention, do your research and prepare for the coming times. Don’t be cold this winter because you thought a better deal might come along.

My new book ‘Surviving the Times’ is now available online at amazon.com, as well as at the Remember ME! Media bookstore! Surviving the Times takes you through the steps of building your preparedness binder, as well as how to determine what the most viable disaster scenarios would be that you need to prepare for. I also look at the issue of gold and silver in your preparedness planning and what makes a good basic survival arsenal.

Alternatively, you can click onto the titles to go to a securedordering site.

Surviving The Times

Print: $20.00

Download: $10.00

Surviving the Times takes you through the steps to make your own preparedness planning binder. You’ll learn how to guage the level of various threats as they relate to your preparedness planning by using the three P’s of preparedness, the SaWaFo pyramid and more. We will look at some of the main issues such as gold and silver for survival, and the basic survival arsenal as well.

 

A Handy Disaster Preparedness Guide

Print: $14.95

Download: $10.00

A compilation of tips and how to’s on developing an emergency preparedness plan, and how to get ready for natural and man-made disasters. Also includes a comprehensive listing of state and federal agencies to contact for more help and assistance in dealing with emergency planning and dealing with the aftermath of a disaster.