Wednesday, November 25, 2020

Get Out of Babylon, Now! Here's How...

By Timothy Gamble

Photo of NYC by Paulo Barcellos Jr(1)
I wrote about this topic in 2015, but want to revisit it (with major changes and additions) considering recent events, and the truly dire situation developing in America. Regardless of the ultimate outcome of the election, America's elite - who control the political parties, the deep state, the mainstream media, academia, big tech, corporate board rooms, and pop culture - are working hard to fundamentally change America, and the rest of Western Civilization. It is one of the three existential threats that I have identified. 

The elite want power, control, and the money that goes with it. They want to get rid of anything that stands in their way. This includes fair and honest elections, as we are witnessing right now. 
They want to get rid of the Constitution. They want to get rid of the people's fundamental rights (freedom of speech, freedom of religion, freedom of assembly, the right of self-defense, etc.) They want to replace true free-market capitalism with socialism (the elite do very well under socialism, the rest of us suffer greatly). They want to get rid of borders, patriotism, national identity, the Church, and even the traditional family unit and gender roles. They want people to have no loyalty to anything other than an authoritarian state that they control. 

How do we fight back against this "new world order?" How do we protect ourselves and our families? Remove as much power from the elites as possible by building self-reliance as individuals, families, and communities. The less we need them, the less power they have over us. 

This advice has been given in many different ways by many different people: Go Galt. Don't feed the beast. Get out of Babylon. Come out of her my people. Be in the world, but not of the world. In other words, get out of the system that they are creating. 

Ultimately, the system they are building is unsustainable, and will collapse under its own weight (see what happened to the old USSR, for one example). But it will take a long time, and a lot of people are going to get hurt. By getting out of the system now, you will be less controlled by the elites and less exposed the dangers of their system. You will also be denying them the resources, opportunities, and influences they need in building their system. And by surviving the coming collapse, and there will eventually be a big one, you will be in a position to help restore traditional America, and perhaps even to build a better system for your children and grandchildren. But,  how can you get out of the system? Here are some ideas:

Get out of the cities and suburbs. This one is obvious, but many people just don't want to hear it. It may be possible to live in a big city without being tainted by Babylon, but it would be incredibly hard. And you are putting your family at risk in a number of ways by staying in the Big City. Move to a more rural area of the country. This doesn't have to be an isolated mountain retreat, but it defiantly isn't in a major city. The outskirts of a small town in a rural part of the country, particularly in a more conservative state, with no mega-cities nearby, may be an excellent location to build a new life. Preferably build it with a community of like-minded traditional Americans, even if you have to create that community yourself.

This and the other ideas presented here will be difficult to accomplish, and will require hard work and sacrifice to achieve. But the time of business-as-usual is past. You family's survival is worth the effort and sacrifice. 

Get out of the doomed financial system. Stop using credit cards and get out of debt. Remember the saying "The borrower is slave to the lender." Greatly reduce your expenses. Develop useful skills that you could turn into your own business. Begin moving to a barter and cash-only basis as much as reasonably possible, minimizing your dealings with large banks (use credit unions or small regional banks for what banking needs you have). Turn some of your money into junk silver (or even a few gold coins if you have the money), but be sure to keep an emergency fund.

I have written many articles on financial preparedness that you can read on this website. Start with Financial Preparedness: Back to the Basics (it has some great debt busting ideas) and then explore the other articles. 

Get your children out of the public school system. Separate your family from the failed public school system. Public schools are little more than indoctrination camps for the new system being built by the elites and progressives. One thing the lockdowns of 2020 have shown is that you don't have to depend on the public school system to teach your kids. Homeschool your children. Or at least send them to a good private or parochial school. Either way, stay actively involved in their education.

Get away from the corporate news media. The news media has gone from being merely biased to actually being willing and active participants in the fundamental change being forced on us by the elites. Even Fox News and the Drudge Report have sold out to the elites. But where can we get real news? The Epoch Times (website) is the best source of true, old-fashioned, real journalism, in my opinion. Whatfinger News (website) is a better news link aggregator than Drudge was in its heyday. Newsmax (website) and OAN (website) are emerging as good alternatives to broadcast and cable news. Other good sources of news include the Washington Times (website), Washington Examiner (website), and Breitbart (website), among others.  My news and education website, www.TimGamble.com, may also be of interest to you, as it concentrates on news and ideas of interest to survivalists, preppers, conservatives, and Christians. 

Get out of liberal/progressive churches.  Liberal theology, modern feminism, and even socialism have found their way into many churches today, distorting scripture and the teachings of the early Church to fit modern ideologies and political correctness. Some people think the Church must change in order to be "relevant" to today's world or to appeal to younger people. Nothing could be farther from the truth. We should never compromise on the teachings of Jesus and the early Church in order to fit in with the modern world. Jesus taught us to be in the world, but not of the world (see John 15:19 and John 17:14-16). Modern liberal theology isn't just wrong, it is dangerous. 

Get out of the pop culture and entertainment system. We are way over-entertained as a society. We spend massive amounts of time in front of screens watching shows and movies, playing video games, listening to music, or just surfing the Internet for fun. That entertainment is overwhelmingly of a leftist, worldly, viewpoint. The cumulative effects of all that exposure does have an impact on us, and especially our kids, although we like to pretend it doesn't. Think about canceling your cable or satellite TV. Or at least thoughtfully seek out wholesome entertainment. And quit watching the cesspool of professional sports. Maybe toss a football or baseball with your kid in the backyard instead.  

Get out of our failing healthcare system. Government has made our healthcare system expensive, complicated, and intrusive. It will only become more so in the future, and likely will become rationed, too. Take care of your health. Learn to eat simple, healthy foods. Eat less sugar. Avoid over-eating (Americans typically eat huge serving sizes which is a major cause of the obesity problem). Get fit. Have a physically active lifestyle. Get adequate sleep on a consistent basis. Learn about first aid, as well as herbal and alternative medicine. The less you need the failing healthcare system, the better off you will be. 

Get away from Big Tech.  The rise of artificial intelligence, big data, and the Big Tech monopolies have become a major threat to our liberty and our privacy, and allows a very small elite class to control our world in ways we could not even imagine a quarter-century ago. There is no political will to break-up, or even reign-in, Big Tech. The only way we can fight against our Big Tech overlords is to not use their services. This is growing increasingly difficult since the lockdowns have forced much of our lives to be lived via the Internet - shopping, work, school, socializing, and even church. Instead of using Big Tech, choose Alt Tech instead, particularly those Alt Tech companies who respect privacy. For example, instead of using the Big Tech search engines of Google, Yahoo, or Bing, use DuckDuckGo (website) or Swiss Cows (website) instead. Alternatives to facebook include Spreely (website) and USA.Life (website). Alternatives to Twitter include Parler (website) and Gab (website). Alternatives to You Tube include BitChute (website) and Rumble (website). Alternatives to Wikipedia include InfoGalactic (website) and Consrvapedia (website). My favorite Alt Tech Alternative to Microsoft or Google browsers is Brave (website), but their are other alternatives. 

Get away from the attitude of dependence. Dependence on government and other "authorities" is a mark of the worldly system. Build self-reliance instead. 
The single most important thing you can do to survive any future chaos is to start taking responsibility for your own life now. I encourage preparedness and survivalism not so people can run away and hide at some remote retreat, but because the more self-reliant people are, the less they need government. And the less they need government, the less control government has over them. Learn skills. Especially learn useful skills that you could turn into your own business (yes, this is the second time I've mentioned this point - it is important). Get prepared for the worst that may happen (see my articles A quick, no frills, down & dirty guide to preparing for the End and My NEW Recommendations for Preparedness and Survival).

In the coming months, I will be talking about each of these points in much greater detail. Please bookmark and subscribe to this website so you don't miss any future articles. Your email subscription is free and can be entered in the sign-up field near the bottom of the right-side column, and all my social media accounts are listed at the bottom of this page. 

(1) Image credit: Paulo Barcellos Jr Licensed under Creative Commons Attribution-Share Alike 2.0 Generic
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Practical Self-Reliance - Reducing Your Dependency On Others, by John McCann. Whether you live in the city, suburbs, or country, you can practice self-reliant methods of living. This book is an in depth look at practical ways you can reduce your dependency on others, and work towards a life of self-reliance. It includes sections on obtaining, preserving, storing, and preparing food, recycling and repurposing, skills and tools of the trade for self-reliance, getting out of debt, the importance of water, lighting and alternative power, sanitation and hygiene, staying warm and cool, transportation options, and more. For anyone who wants to work towards being self-reliant, this book, with over 250 photos and diagrams, offers many helpful suggestions and ideas. 

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Saturday, November 21, 2020

Are Your Finances Ready For Disaster? Part 4 - Death, Wills, and Estate Planning

Money on the Twos is a regular feature on Dystopian Survival. Every 2nd, 12th, and 22nd of the month will feature a new article on  Financial Preparedness, one of the most import aspects of modern dystopian survival. 

By Timothy Gamble 

Previous articles of this series:

Part 4 - Death, Wills, and Estate Planning

This is a deeply personal topic for me to discuss. My father passed away suddenly and unexpectedly in 2006. He was just 62 years old. He had no will. He had made no funeral arrangements. He left behind no final instructions. He had handled all the family's finances, and my mother knew nothing beyond the checkbook. His finances were a mess, and he left behind no master list of financial accounts, credit cards, retirement accounts, or other important information. He and my mother had never had a discussion of what to do in the event one of them died. 

We were left scrambling to find a burial plot, and make (and pay for) funeral arrangements. Mom had no idea if he had any life insurance (turns out he had a small policy through his employer) or retirement accounts. She didn't know all the loans or credit cards he had (a lot, it turned out), or even whether or not he had done the taxes yet for that year (no). All of his financial paperwork was literally stuffed in a desk drawer and two cardboard boxes, with no organization whatsoever. 

I don't know why Dad did no planning in the event of death. Maybe he thought he had plenty of time since he was just 62 and seemed in good health. Maybe the topic of death was just uncomfortable or even scary for him. Maybe he didn't want Mom to find out how deeply in debt they really were, and how unprepared for the future. Maybe he didn't want to face those facts himself. Whatever the reason, he left behind a huge mess for his wife and family to deal with, at a time when they were already grieving. Please don't do that to your family, whatever your excuses.

Myth: Wills are only for old people, or those who are sick. I'm young and healthy, so don't need one yet. False. My father was just 62, still working, and seemed healthy. Other people die even younger then him, and not just after some long illness which gives them time to make a will and do estate planning. People can die suddenly and unexpectedly at any ages.   

Myth: Wills and estate planning are just for the wealthy and people who own a lot of property. False. My parents were not rich, nor owned any property other than their house. Having a will and doing some basic preparedness and estate planning would have helped tremendously. Not doing so caused me a lot of time and trouble and my mother a lot of extra worry and grief. Even if you don't have a large estate, you still need a will and need to do some organization and planning now. If you don't have a lot, the good news is that it doesn't have to be a complex and costly thing to do. A simple will is something you can do for yourself. There are various books and kits with forms you can fill out available on Amazon and other places. Just make sure that it is valid in your state, and that you follow your state's rules regarding getting it notarized. And if you do have a large estate that needs more planning, then you can probably afford to pay an attorney to handle it for you. No excuses. 

Myth: The government will just do whatever it wants with my estate, so why bother? Ah, yes... The "blame the government so you don't have to deal with it" excuse. This simply isn't true. Individual states do have certain rules regarding probate, taxes, and distribution that you and your family will have to follow. But within those basic rules, there is a lot you do control. It is actually not having a will that enables the state to do whatever it wants. The fact is that going through the estate planning process, including creating a will, makes it a lot easier on your family and helps you to direct your assets according to your desires as much as possible. You can also take steps that will minimize estate taxes your family will have to pay. An estate attorney and a CPA can help you with this. 

For more on simple wills, see the Dave Ramsey article: What Is a Simple Will? 

In addition to a will, you need to do some other preparations for death, including life insurance, funeral arrangements, and what I call the creation of a Master List for your family after you pass away. 

Life Insurance -  From my previous article on insurance: "Life insurance is important at all stages of life. It can cover funeral costs, pay off medical bills that surviving family members may otherwise be stuck having to pay,  pay off debt owed by the estate, and provide living expenses for a surviving spouse and children. Even young, healthy people may die unexpectedly, which is not only devastating emotionally for surviving family members, but is potentially devastating financially, too.  Making sure you have adequate coverage for your personal circumstances is crucial. Be sure to review your coverage yearly, as your circumstances and needs change throughout life. 

Get started with this article on DaveRamsey.com: What Is Life Insurance and How Does It Work? It explains what life insurance is, and how it works. The article also goes into the different types of life insurance, who needs insurance, and how to decide how much insurance you need."

Funeral Arrangements - One of the difficulties we ran into when my father passed away was finding somewhere to bury him on short notice. We didn't have time to "shop around" to find the best location or the best deal. Same goes for finding a funeral home, a coffin, and arranging the other aspects of a funeral. It didn't help that my parents had never had a conversation about funeral arrangements, which caused Mom additional worry over what kind of funeral Dad would want. In the end, everything came together, but it wasn't easy or cheap. 

Funerals are expensive, potentially very expensive. There is no standard pricing. Prices for burial plots, coffins, and funeral home services vary widely. And these things all have to be done immediately upon death, during a time of high emotion and grieving. It would be much easier if this process could be done beforehand. The good news is that it can be. Pre-paid funeral plans are the way to go, in my opinion. Just make sure the plan you buy is transferable (some are, some aren't) in case the funeral home you buy it from goes out of business. We have done this with my mother. Her funeral, which hopefully she won't need for many years yet, is fully paid, and we know it is the funeral she wants because she helped design it. There will be no last minute scramble to figure it all out when she passes. 

For more, check out the Complete Guide to Pre-Paid Funerals: Plans, Costs, Pros & Cons (article on another website). 

My suggestion: Master Lists - Here is something that would have helped me if my parents had created them before Dad passed away: Master Lists of useful information for those left behind. 

The first master list I suggest is a list with updated contact information for all the people that will need to be contacted upon your death. In today's world, we all have friends, relatives, business associates, and various acquaintances scattered all over the place. Some we see on a regular basis. Others we haven't talked to in years. Mom had an address book with the contact info for most of our relatives, but there were several former business associates and a couple of Dad's old army buddies that we weren't able to contact before the funeral. 

The second master list I suggest, and I really needed this one in the months following 
Dad's death, was a list of all bank accounts, credit card accounts, retirement accounts, investment accounts, monthly bills, debts, and other financial information. Be sure to include account numbers, pin numbers, website login names and passwords, and so forth. I had NONE of this information, which caused much difficulty and wasted time. 

Keep these two master lists with your other important documents (see part 2 of this series).  

 Don’t wait—do it now! 

Now is the best time to create your financial emergency plan and to put it into action.  Its not easy. Its not fun. There is a lot to do. It may seem overwhelming. Just take a deep breath, and take baby steps every day. Eventually it will all come together. The peace of mind from knowing you and your family are prepared for any financial emergency will be worth it.

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Tuesday, November 17, 2020

China: CCP Authorities Raid Another House Church

Persecution against Christians around the world is largely ignored by the Leftist media because the two main culprits - Muslims & Communists - are "protected classes" within Leftist ideology, whereas Christians, at least of the traditional variety, are considered the bad guys for promoting traditional values. This is why I choose to highlight the truth about Christian persecution on this website. 

The following is an unedited press release from International Christian Concern (ICC). Please check out their website at www.persecution.org for more on the persecution and genocide of Christians around the world.

Detained Christians Forced to Wear Prison Uniforms

11/17/2020 Washington D.C. (International Christian Concern) – International Christian Concern (ICC) has learned that on November 15, local authorities raided a church in Taiyuan, Shanxi province during its Sunday service, before detaining the preacher and six other members.

Around 9:20 a.m., a team of officials hailing from the public security bureau, ethnic and religious affairs bureau, ministry of civil affairs, and police station raided Xuncheng Church as the service was underway. The public security commander went straight to the pulpit and confiscated the cell phone of the presider, before demanding that brother Zhang Chenghao go with them.

Next, the commander requested that the preacher, An Yankui, engage with them, to which An responded, “We are in the middle of our worship; please wait until our service is over.” The task force complied.

After the service, the commander and the staff from the ethnic and religious affairs bureau questioned An’s qualifications as a preacher. They wondered whether his credentials were approved by the state or their gathering was registered with the government.

Unsatisfied by his answers, the task force demanded to take An away. In turn, the churchgoers asked for proper legal documents for their actions, to which the team only showed a disbandment notice from the religious affairs bureau instead of an arrest warrant. They also failed to show a summons letter and claimed that they were doing so verbally.

Regardless of the flawed legal procedure, the authorities still posted the disbandment notice on the house church’s door, prevented people from recording the incident, and confiscated the members’ cell phones. They also recorded everyone’s personal information and confiscated Bibles, hymnals, and choir robes.

Around 1:00 p.m., along with their preacher and his wife, five other Christians were brought to the Pingyang Road Police Station for interrogation. The police tried to lead them into disclosing information about their church. They were asked to provide the passwords to their cell phones. In response to their resistance, the couple was handcuffed and transported to another police facility. In the process, sister Zhang Xiao-ai, who was keeping watch at the entrance, was also taken away.

At 3:00 p.m., the Christians were asked to change into prison uniforms. They were then handcuffed in a detention room. It was not until 6:00 p.m. that they were able to change back into their clothes and asked to each provide a statement. These believers were only released around 9:30 p.m.

According to China Aid, Xuncheng Church was planted by Early Rain Covenant Church (ERCC) in Chengdu. Preacher An Yankui graduated from the seminary founded by ERCC and is under the influence of reformed theology and ERCC Pastor Wang Yi, who has been imprisoned since December 2018.

Gina Goh, ICC’s Regional Manager for Southeast Asia, said, “In this day and age, where any religion in China has to submit itself to the control of Chinese Communist Party (CCP) and President Xi Jinping, it is no longer a surprise that a house church is seen as an enemy of the state and clamped down upon. China’s blindness to its violation of religious freedom needs to be continuously exposed so that Beijing knows it cannot get away with performing these evil acts.”

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Please check out my article on the Dystopian Survival website: Preparing For Persecution In America 

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www.DystopianSurvival.com - Surviving the Fall of the American Republic and End of Western Civilization

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Egypt: Gunmen Kidnap Coptic Christian In Ongoing Harassment of of Christians in Sinai Peninsula

Persecution against Christians around the world is largely ignored by the Leftist media because the two main culprits - Muslims & Communists - are "protected classes" within Leftist ideology, whereas Christians, at least of the traditional variety, are considered the bad guys for promoting traditional values. This is why I choose to highlight the truth about Christian persecution on this website. 

The following is an unedited press release from International Christian Concern (ICC). Please check out their website at www.persecution.org for more on the persecution and genocide of Christians around the world.

Targeted Violence Haunts Egypt’s Sinai Christians

11/10/2020 Washington D.C. (International Christian Concern) – International Christian Concern (ICC) has learned that on November 8, 2020, three unmasked gunmen kidnapped Coptic Christian Nabil Habshy Salama (61 years old) in Egypt’s North Sinai city of Bir al-Abd. The incident was reported by his son.

The kidnapping occurred at 8:00 p.m. while the streets were busy. It was followed by shots fired into the air, and the gunmen stealing an escape car. Nabil had left his home to buy an item at a shop less than 50 meters from his house when the incident occurred.

The family has expressed much distress regarding the event. Nabil’s son Peter told Copts United, “We work in the many fields of trading, such as phones and gold. Also, my father built the only church we have here. It is named Mary, Anba Karas, and Saint Abnoub Church. Our relations with others are good.”

He continued, “How dare unmasked people kidnap my father and steal a car in the full view of all passers. No security officers or police defended my father! Bir al-Abd is a city full of security bodies because it is a city which usually faces terrorism attacks. How could armed people enter the city and commit a crime?”

The kidnapping occurred just two months after another Christian was kidnapped in al-Abtal village, located on the east side of the Suez Canal. His fate remains unknown. The targeted kidnapping of Christians living in the Sinai Peninsula is common, and their fate often ends tragically. Given this trend, Nabil’s family has expressed concern for his life and has subsequently filed a report at the local police station.

Journalist Nader Shokry wrote that Peter has appealed to President Sisi to intervene and reveal the fate of his father.

This event occurred just days after Egypt announced that it will develop the city of Saint Catherine in Sinai for the purpose of promoting faith tourism, neglecting to mention that religious persecution in Sinai has driven most local Christians from the peninsula. Those who remain in Sinai are at risk of targeted kidnappings and assassinations by extremists. The government’s response on both a humanitarian and security level is often underwhelming at best for Sinai’s Christians.

Egypt is recommended for a Special Watch List by the United States Commission on International Religious Freedom in its 2020 Annual Report.

Claire Evans, ICC’s Regional Manager for the Middle East, said, “We are concerned about the welfare of Nabil Habshy Salama, who has now been missing for two days. It is critical that an investigation is launched during the early days following a reported kidnapping case, as each hour that passes decreases the likelihood of a positive outcome. Consequently, we ask that Egypt takes this report seriously. We pray for the safe return of Nabil, as well as protection and comfort for his family during this difficult time.”

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Please check out my article on the Dystopian Survival website: Preparing For Persecution In America 

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Ad: The Orthodox Study Bible: Ancient Christianity Speaks to Today's World.  The Orthodox Study Bible presents the Bible of the early church and the church of the early Bible. Orthodox Christianity is the face of ancient Christianity to the modern world and embraces the second largest body of Christians in the world. In this first of its kind study Bible, the Bible is presented with commentary from the ancient Christian perspective that speaks to those Christians who seek a deeper experience of the roots of their faith.
---------------------
!!!!! Please subscribe to this website using the Follow By Email field at the bottom of the right hand column. Don't let Big Tech squash independent sites like this one! Also, please follow me on social media.

Websites
www.TimGamble.com - Daily news updates and threat assessments.
www.DystopianSurvival.com - Surviving the Fall of the American Republic and End of Western Civilization

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Friday, November 13, 2020

Are Your Finances Ready For Disaster (Part 3 - Insurance)

Money on the Twos is a regular feature on Dystopian Survival. Every 2nd, 12th, and 22nd of the month will feature a new article on  Financial Preparedness, one of the most import aspects of modern dystopian survival. 

By Timothy Gamble 

If you haven't read it yet, Part 1 of this article discussed Emergency Funds, and Part 2 covered Important Documents. 

Part 3 - Review Your Insurance

Insurance is a boring subject. It can also be complicated and confusing. And expensive. It might also seem like a waste of money if you never have to use it. But, insurance is important, and can be a real financial life saver when you actually need it. Here's a quick review of insurance you may need. 

Homeowner’s or Renter’s Insurance - If you have a mortgage, your lender probably requires you to have homeowner's insurance. They probably also dictate certain minimum requirements for the coverage. But you get to choose the company and specific policy coverage you use, subject to those minimums. Review your policy every year, and make sure it is current and sufficient. Remember, property values tend to rise over time, as does the cost to replace your home. So, if you have the same coverage you had ten years ago, it may not be enough to replace your home in today's market. This could also be true if you've done major improvements or additions to your home. If you don't know your home's current value, work with a real estate agent or appraiser to determine its value and replacement cost. 

If you rent instead of own, you may want to consider renter's insurance, even if your landlord does not require it. Renter's insurance covers your personal property, such as furniture, jewelry, and electronics, in the case of fire, theft, or many other perils. Liability coverage is also included in standard renter’s insurance policies, which provides protection if someone is injured in your home. Review your policy every year, and make sure you are comfortable with its limitations. 

Flood and Earthquake Insurance - Many people are unpleasantly surprised to learn that standard homeowner's and renter's insurance do not cover damage from flooding or earthquakes. Flood and earthquake insurance are extra. If you live in certain areas, you may be required to carry these. If not, carefully consider if you should have one or both. Make sure your coverage is adequate for your home and belongings.

Pro Tip for Dealing with Insurance Companies

Take a complete inventory of your personal property. Have a list, including serial numbers when possible, as well as photographs (or a video) of your belongings. This includes any valuable jewelry, antiques, and collectibles, in case they are destroyed. Don't forget your guns. Preppers, survivalists, and homesteaders typically have more tools and other supplies than the average person, so an insurance company may doubt your claim unless you have proof of what and how much you had. This list and photo record will help if you need to file an insurance claim. Make sure that you have enough coverage to replace these items. 

Consider keeping records and photos of your car, too, especially if it is an older vehicle that you keep in excellent condition. Many years ago, a man hit and totaled my car which was sitting in a parking lot. It was an older vehicle, and when his insurance company tried to settle with me, they gave me a real low-ball offer. But the car was in excellent condition, and I had the receipts to prove it had been kept in excellent condition, including the receipt for a new set of tires purchased only weeks before. Because of this proof the insurance company upped their offer by $800.

Life Insurance - Life insurance is important at all stages of life. It can cover funeral costs, pay off medical bills that surviving family members may otherwise be stuck having to pay,  pay off debt owed by the estate, and provide living expenses for a surviving spouse and children. Even young, healthy people may die unexpectedly, which is not only devastating emotionally for surviving family members, but is potentially devastating financially, too.  Making sure you have adequate coverage for your personal circumstances is crucial. Be sure to review your coverage yearly, as your circumstances and needs change throughout life. 

Get started with this article on DaveRamsey.com: What Is Life Insurance and How Does It Work? It explains what life insurance is, and how it works. The article also goes into the different types of life insurance, who needs insurance, and how to decide how much insurance you need. (I am NOT affiliated with Dave Ramsey or his company, other than being a fan.)

Health Insurance - Our health care system is expensive and, frankly, screwed up. Health insurance is extremely expensive, and the Affordable Healthcare Act (Obamacare) actually hurt more people than it helped. Your first, best, and cheapest option is not to get sick. Taking care of your health is extremely important, and is financially worth the time, effort, and expense. Most of us, including me, could take steps to improve our health and fitness. But, even healthy, fit people eventually need a doctor. What, then?

If your employer pays for your health insurance, that is great. If not, you have to navigate the confusing and expensive world of health insurance yourself.  Do not just ignore it. Start with this Dave Ramsey article: How to Save Money on Health Insurance.  If you are self-employed, check out the article How Do You Get Health Insurance if You’re Self-Employed? (also on Dave Ramsey's website). Unemployed due to Covid-19? Health Care Options for the Unemployed During COVID-19.

Car Insurance - If you own a vehicle or drive, you are required to have insurance. The minimum requirements vary state-to-state, and if you are making payments on your vehicle your lender will also have certain requirements you must meet. However, you get to choose where you get your insurance, and the cost of coverage varies HUGELY from company to company. It pays to shop around for the best rates. Do this every time your policy is up for renewal.  

Potential Money-Saving Tip: You may be able to save some money by bundling insurance policies with the same company. For example, many companies offer both homeowner's and auto insurance. In many cases, you could get up to a 10% discount by buying both policies from the same company. 

Part 4 of this article will be posted on November 22, and will cover Wills.  

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Monday, November 9, 2020

Dump the MSM once and for all. Here is where to go for Real Journalism.

By Timothy Gamble 

11-9-2020 - One thing that the election has exposed is NOT media bias. We have known for a long time that the corporate mainstream media is very biased to the Left of the political spectrum. What has actually been exposed beyond any doubt is the CORRUPTION of the media. They are not only biased, but willing and active participants in the Leftist agenda. There is even evidence of actual coordination between the Corporate Media, Big Tech, the Deep State, and the Democrats in attacking President Trump, his 70+ million supporters, and attempting to steal the election.

Even media outlets such as Fox News and Drudge Report, who made their brands by being conservative-friendly, have joined with their Leftist cohorts in a big way. So, what are traditional Americans, who still make up at least half of the population, to do to get honest news? 

For preppers and survivalists, this is an especially vexing question, as much of our readiness depends on accurate news and information.

Alternatives to the Drudge Report

For many years, the Drudge Report was the place for conservatives and other traditional Americans to get an overview of the day's important headlines. Drudge would often highlight stories the other media would try to bury. But, sadly, Drudge joined the anti-Trumpers during the 2016 election, and has gotten worse ever since. During this election, Drudge became nothing more than a daily dose of mud and slime aimed at Trump and his supporters. But many traditional folks still go there daily because they don't know where to go. Fortunately, there are alternatives. 

First and foremost among the these alternatives is Whatfinger News, whose mission is to create the "Greatest Aggregate Link News Site On Earth." If you haven't yet checked them out, please do so. These guys are great at what they are doing. Much better than Drudge was even back in its heyday. This, not Drudge, should be everyone's daily one-stop for news links.  If you find their main site a bit too busy, there is a slimmed-down version with fewer graphics and fewer ads, called the General Dispatch

Cable and Broadcast News

Goodbye, Fox News. For a long time you were a voice of reason in a wilderness of Leftist dishonesty. But, you have finally gone native, fully embracing the anti-Trump hysteria and dishonesty of the Left. 

Fox News has been caught lying about the President, saying that Trump has not repudiated racism (Trump has done so repeatedly), among other lies told by the network. Fox News has conducted biased and inaccurate polls. Fox News conducted an extremely biased first Presidential debate (Chris Wallace was extremely unprofessional in his conduct). Fox News called Arizona early, long before they finished counting votes, and refused to change their call even after it became apparent that Trump still has a chance to win the state. 

Fox News still has Tucker Carlson and Sean Hannity in prime-time, as well as Mark Levin and Steve Hilton on Sunday night. They are still better than anything on the broadcast networks or CNN and MSNBC. But, the question becomes: Is it worth it to watch their shows, since by doing so we are indirectly supporting the networks daytime fake news? You'll have to decide that for yourself. 

Fox Business still has Lou Dobbs, Maria Bartiromo, and a few other good folks. Generally speaking, FBN has not yet succumbed to the Left the way Fox News has, but how much longer before the disease of Leftism destroys that network, too? Sadly, they fired Trish Regan before the election because she was too critical of the coronavirus lockdown. (By the way, you can still get Trish Regan's daily podcast  and check out her website.)

One America News Network (OANN) and Newsmax also have TV networks, but are not yet as widely available as the other news networks. If you can get them where you are, they are excellent alternatives to Fox and the other news networks. 

Other Good Sources of News

Breitbart News is one of the best sources of news, and one of the most attacked by the corporate media and Big Tech. You can tell how good they are by their enemies.

The best newspaper in the country is The Epoch Times. Truth and Tradition is their motto, and it shows in their commitment to real journalism. This is how journalism is supposed to be done. The have both print and online editions. 

The Washington Times is another good newspaper, but its print edition is only available in the DC area. Its digital edition is available online, and worth checking out.

Other good sources of news include:

This is not a complete listing. There are plenty of other good sources of news and independent journalism. 

Worth Mentioning

My news website, www.TimGamble.com, is a hybrid between a news & commentary website, and a link aggregate website. The main column, the Front Page section, is news particularly focused on the triple threats to America and western civilization - China, Islam, and the socialism/fascism of western elites - along with news of Christian persecution around the world. The right-side column provides links to the latest news stories from The Epoch Times, Breitbart News, Newsmax, OANN, Zero Hedge, and American Military News. The links are automatically updated in real time. Additionally, you can find links to the latest survivalist articles on Dystopian Survival, and the latest educational videos from Prager U. 

Prepper Website is a daily link aggregate website for the best prepper and survivalist articles on the web. It also has pages for Alt News, homesteading, and DIY, among others. Great information for these turbulent times.  

Prager U. isn't a news site, but they make excellent short educational videos from a conservative point-of-view, often directly relating to current events. 

The Bottom Line

We need to stop using the biased, dishonest, and corrupt corporate media. Every time we read one of their articles, or watch one of their shows, we fund their war against traditional America. Fortunately, there are some good alternatives. 

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How to Survive the End of the World as We Know It: Tactics, Techniques, and Technologies for Uncertain Times, by James Wesley, Rawles.  Rawles is a well-known name within the survivalist community, and this book gives coverage of most topics within survivalism and prepping, not just food storage and bugging out.


  




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Websites
www.TimGamble.com - Daily news updates and threat assessments.
www.DystopianSurvival.com - Surviving the Fall of the American Republic and End of Western Civilization

Video Channels (Please subscribe - new videos start soon)
Tim Gamble on Bit Chute:    https://www.bitchute.com/channel/ZObr3xTiK813/

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