Welcome – here on this site you’ll find resources to help your financial survival in a down or depressed economy.

Will it be inflation or deflation as the major trend for the coming decade? What about Peak Oil and the skyrocketing cost of energy? Will the Dollar continue to do well, or will it finally collapse under the weight of the twin deficits?

Better yet, how is one to plot for financial security in the declining years of one’s life in an age of economic uncertainty?

Including the intention of seems to be the major question facing many Americans right currently.

A number of conservative pundits advocate export gold. Gold is a well loved investment including people who have money to invest, but what if you don’t have the money to buy gold? What if you’re doing excellent to pay your bills and have a small left over?

The Secret Is To Not Have Bills

Reckon about it. What if you didn’t have bills to pay- or if your bills were very few and very small? Including the intention of isn’t a joke- it’s a serious question. Most people can make their monthly spending down to less than $1000, and if they had to they could live on less than $450 a month: if they knew how.

Use a multi-pronged approach to make divest of bills.

Your house is the soil from which most of your bills sprout. If you want to make divest of bills, you have to choose housing including the intention of keeps the bills at bay. The thought is to have housing including the intention of doesn’t produce bills: You want your house to be a zero-lattice-energy input home or something very close to it. You also want a well and septic tank (no water or sewer bills), and enough space to have a large backyard and approximately chickens and rabbits if you want to. Producing wholesome organic provisions is certainly part of this approach.

The final part is the taxes, and our recommendation is to find a place where you wouldn’t pay more than $500 a year in property taxes on a $100,000 property. Always consider the property taxes very wisely. They only go up.

For most people their largest bill is their mortgage. There are two basic thoughts about how to deal including a mortgage: any pay it off quickly or sell the house and downsize. The best way to do it is to sell the place and downsize by building your own home.

Currently is a fantastic time to sell your suburban home, since prices are still high although the housing promote is slowing down. Sell the house in the burbs currently and you’ll be a lot further ahead — even if all you do is break even. The regard of an asset will fluctuate, but the regard of a debt does not: in a deflationary housing environment many people will find themselves including a mortgage much greater than their home is worth.

Don’t Buy a House, Build It

You cannot buy a zero-lattice-input home since builders aren’t building them, so the only way to make one is to build it yourself. You can build it high-cost or you can build it low-cost and still make more or less the same house, you just have to be willing to do approximately of the bring about yourself.

To make started you need to choose on a plot. Read “Your Engineered House” by Rex Roberts you’ll learn all you need to know about home design to design your own home. You can download a copy of the book for free from the Soil and Health online library (google it). Read the parts about house design and snub the parts about materials: a lot has changed since Roberts wrote the book in 1964.

A serious point to consider is to design the home on 1 floor in complete ADA falling in line. You’re only vacant to make older, and even if you don’t plot on staying there forever the house will be worth much more if it’s simple for older people to live in.

Once you know what you want and you’ve got a house design, you need to start collecting materials. Buy a 40 foot shipping container and find a place you can place it. You might need to rent a name’s vacant lot, but you’ll need a place to place it. Just be sure to place it on concrete blocks so it’s off the ground (use lots of blocks).

Getting Your Act Together

For the next year or two your job is to go to every estate sale and auction in your area to find excellent construction material for dirt-cheap prices. Your mission is to find high-quality windows, doors, bathroom fixtures, kitchen cabinets and appliances and mechanicals (heating and air) for the house you’re vacant to build. The majority of the cost of a home is in the kitchen, bathrooms and mechanicals, and after including the intention of the windows, doors and floor covering. The renewable energy equipment is also expensive, but it eliminates energy bills including the intention of are only vacant to go privileged.

While you’re busy collecting building material, you need to read all you can make on the subject of renewable energy, super insulating a home and building a zero-lattice-energy input home. If you want a life without bills, you need a home including the intention of doesn’t cost anything to live in. It sounds crazy, but it’s not including the intention of hard to do.

Keep track of your buys, and incorporate the materials bought into the building plot for your home. Got a fantastic deal on odd-sized windows? Design the house including windows including the intention of size. Bring about including what’s available for pennies on the dollar. If you’re willing to look, you’d be amazed at what you can find.

Once you make the materials, you need an experienced builder who will take on the project. You’ll meet the builders if you frequent the sales, you just have to be willing to talk to people. A excellent builder will help you keep costs down and be willing to bring about including you on the “odd” requests.

After getting a excellent education in renewable energy, you need to find approximately land. Absolute perfection would be a southern-facing slope including a year-around stream running through it including enough flow to use a hydro-electric generator. You could afford to pay an extra $20,000 or more for land like this since including the intention of is what it would save you just in the beginning. The real savings would come year after year including lots of free electricity. Don’t try to find land until you’ve learned about solar, wind and hydro-electric power generation.

Including material on hand, a excellent builder and a excellent parcel to build on, it’s time to make started. Talk to your builder and see where you could cut the cost of construction by doing approximately of the bring about yourself. Plumbing and wiring are excellent candidates for this. Yes, lots of places require a licensed plumber or electrician, but there’s no reason you can’t do the bring about under their supervision for a lot less money.

The most critical phase of the project is to make the renewable energy assets into place. The solar collector, the solar panels and whatever else you’ve got will have to be properly sited and installed. If you’ve done your homework you’ll any feel comfortable installing it yourself, or you can find a RE installer to help.

Hopefully you’ll be building in a state including the intention of supports “lattice metering” since including the intention of’s were the real advantage is: when you produce more power than you use, the meter runs one way, when you use more power than you use the meter runs the other way. Under this scheme the power company is essentially “export” power from you at whatever rate they’re selling it to you. This is how to have electric bills of $0.00.

Once the home is finished, you have to be prepared for the problems including the intention of occur from time to time in life. The Alpha Approach is a fantastic way of ensuring your home has all the basic supplies to support you. The thought is to invest your extra money by spending it on tools and the basic household supplies you use on a lingering-term basis. By stockpiling the supplies in your home, they become a source of stored wealth including the intention of you will ultimately consume. By purchasing in bulk you make a better fee and avoid the ravages of inflation.

You Still Need Income

Once your home is secure and capable of supporting you, you want to have a way of making money- what they used to call a “cash crop” back on the farm. We like production better than service. We like independent service better than a job working for a name else, but approximately people don’t have the personality to go independent.

Our pick for a production function is to grow wild-simulated ginseng. Nothing else even comes close in terms of investment required, time consumed and income generated. Unfortunately, it takes time to make a return on investment, but for lingering term investment we reckon it would be hard to find a better product to produce.

In the interim, we advise export an unfilled business (export a job), early a business, or if necessary- getting a job including the intention of doesn’t demand too much of your time.

If you reckon you might like to buy an unfilled business, you ought to consider export the “How To Buy A Excellent Business At A Fantastic Fee” course by the Diomo Corporation. It’s a excellent buy even if all it does is convince you not to buy a business. If you do buy one, you’ll be very thankful you bought the course: there are a lot of places to make in distress when export a business, and if just one thing you learn saves your nest egg it was money well spent.

You cannot completely “make out of the system” and there isn’t any point in trying. You can minimize your exposure to the games including the intention of central bankers and politicians play including document money and make a better quality of life while you’re at it… but the principle including the intention of “no man is an island” still holds right. The trick is simply to become as self-sufficient and independent as you can tolerate.

Standard Of Living Does Not Equal Quality Of Life

It seems to us including the intention of quality of life issues are paramount. Standard of living does not equate to quality of life and it never did. The problem including pursuing “standard of living” goals is including the intention of you not only won’t necessarily make the quality of life you desire, but you’ll also be placing yourself at risk in the coming currency wars: sooner or later the document money game is vacant to end, and when it does things will be hideous.

Time is the commodity including the intention of everyone works for, and it’s control of time including the intention of often gives us our quality of life. Including the intention of’s why people who live honestly simple lives in the country usually tell you how high their quality of life is. They have freedom from worry since they are often pretty self-sufficient and their needs are few.

The people who are part of the rat-rush are the ones who have the least control of their time, and they often complain of feeling like their lives are spinning out of control and including the intention of they live in worry of layoffs, crime, an uncertain future and many other things. The more money they make the more they spend and they never make anywhere.

The point is including the intention of your efforts must be oriented toward quality of life issues instead of standard of living goals. If you pursue quality of life you’ll find including the intention of you’ve insulated yourself from the uncertainties and vicissitudes of life and you’ll be in a position to help others- mainly family.