China has proven that even a state-driven economy fosters many limitations and blind spots. State-driven economies also sport the ability to rapidly get things done. Using the power of the state, China has the ability to use its predatory economic system to ramp up production at record speed. It could be argued that it is best not to over or under-estimate China.

A recent and glaring example of how such an economic system can ramp up production is visible in how China has rapidly positioned itself as the world’s low-price Electric Vehicle producer.While high tariffs and other barriers may slow the sales of China’s EVs in many developed countries, it is likely they will sell well in many markets. In just a few years China has  overtaken Tesla and become the world’s low-cost EV producer. Now it is poised to crush Tesla by introducing new improvements.BYD, China’s largest EV producer has just announced it can, in only 5 minutes, now charge a battery to 60%.

When we choose to ignore what is occurring we should expect to be surprised at some point. This issue is front and center in the aviation industry. Few people are paying attention to the fact that China is preparing to move up the manufacturing food chain and challenge Western aerospace giants like Boeing and Airbus. Following the commercial entry of the C919. China set its sights on developing a wide-body aircraft with a range of up to 12,000 kilometers. 

The C929 started in 2015 when Comac partnered with Russia’s United Aircraft Corporation (UAC) to develop a new aircraft. China was to bear the full development costs, and Russia agreed to provide technical support. China’s large-scale manufacturing expertise and supply chain management coupled with Russia’s strengths in materials, aerodynamics, and engine technology appeared to be a good match.The final assembly line was to be based in China, with the goal of targeting sales in China, Russia, and the broader Asian region.In 2022, Russia withdrew from the project after failing to meet its commitments and China continued on its own. 

Little noticed or intentionally ignored by much of the Western world, and especially America, is that sales of the C909 and the C919 are gaining traction. One video explores the rise of China’s aerospace industry – it claims the overlooked C909, the C919, and now, the ultra-long-haul wide-body C939 are game changers.It then questions what this means for Boeing, Airbus, and $6 trillion of future aircraft sales. But, it doesn’t stop there, above, embedded in the text is a link to a video touting the C929, here is another link to a video diving into even a larger Chinese aircraft, the COMAC C939. 

As for the C929, while many people chose to ignore this, that did not halt its development, the C929 is now a reality  it is a long-range wide-body aircraft entirely developed by China. With a capacity of 280 passengers. The C929 puts China in a position to reshape the aviation global landscape, the plane is designed to compete directly with the Boeing 787 and the Airbus 350. How contentious will the competition be going forward? It seems that the US has already weighed in and warned Ireland not to buy China’s C919 aircraft, go to…

Adding to the allure of these Chinese aircraft are a slew of avionic upgrades and improvements. These are coupled with far lower prices due to China’s predatory economic system. Telling companies and even countries not to buy Chinese aircraft most likely will not be enough. To all the skeptics who immediately scream that many people have no intention and would never fly in a Chinese-made aircraft, it doesn’t matter. Simply put, other people will fly in them.

The fact China is making great strides in creating a threat to the main Western aviation industry duopoly. We should not forget years ago the Chinese went into space. Just because China cranks out a lot of cheap goods for consumers does not mean they are low-tech. When it comes to economic dominance, they are playing the long game.

This article is not meant to counter the notion that China is on the edge of economic collapse. Its planned economy has a history of major blunders. China remains in some ways a paper tiger, often overestimated, however, as long as its people remain under the control of the Chinese Communist Party and its predatory economic system, China will remain a rival and global power.

In our tech-driven world, where everything from smartphones to home appliances relies on delicate electronics, the threat of an electromagnetic pulse (EMP) looms larger than ever.

An EMP which is a sudden burst of electromagnetic energy can fry circuits, disrupt power grids, and render devices useless in an instant.

Whether caused by a natural event like a solar flare or a man-made attack, the consequences could be devastating.

Enter the EMP Shield, a device designed to safeguard your electronics and electrical systems from such catastrophic events.

Let’s explore what EMP Shields are, the types available, why they’re essential, the probability of an EMP event, and our top recommendations for protecting your home, vehicle, and gadgets.

What is an EMP Shield?

An EMP Shield is a specialized surge protection device engineered to shield electronic equipment and electrical systems from the destructive effects of electromagnetic pulses, lightning strikes, and power surges.

Unlike standard surge protectors, EMP Shields are designed to handle the extreme voltage spikes and rapid energy bursts associated with EMPs, which can occur in three phases (E1, E2, E3) and vary in intensity and duration.

These devices work by detecting overvoltage conditions and diverting excess energy to the ground in nanoseconds, protecting connected systems before damage occurs.

Think of an EMP Shield as a lightning-fast gatekeeper for your electronics.

Whether installed at your home’s breaker box, wired into a vehicle, or used to protect a solar power system, it ensures that sensitive circuits remain safe from sudden electromagnetic disruptions.

Types of EMP Shields

EMP Shields come in various forms, each tailored to specific applications. Here are the main types available:

1. Whole-Home EMP Shields
   • Purpose: Protects an entire home’s electrical system, including appliances, HVAC units, and smart devices.
   • Installation: Typically wired into the main breaker box by a licensed electrician.
   • Features: Rated for high joule capacity (energy absorption) and tested to military standards (e.g., MIL-STD-188-125-1). Often includes protection against lightning and solar flares.
   • Example: EMP Shield Home Unit, designed to handle 120/240V systems.
2. Vehicle EMP Shields
   • Purpose: Safeguards a vehicle’s electronic control modules, infotainment systems, and sensors, which are critical in modern cars.
   • Installation: Connected to the vehicle’s battery or electrical system.
   • Features: Compact, durable, and designed for 12V or 24V systems. Protects against EMPs and electrical surges during jump-starts or alternator issues.
   • Example: EMP Shield Vehicle Unit, suitable for cars, trucks, and RVs.
3. Solar and Generator EMP Shields
   • Purpose: Shields off-grid power systems, such as solar panels and backup generators, from EMPs and surges.
   • Installation: Integrated into the solar inverter or generator’s electrical circuit.
   • Features: Protects renewable energy setups, ensuring power availability post-EMP event.
   • Example: EMP Shield Micro for solar systems, compatible with microinverters.
4. Faraday Bags and Cages
   • Purpose: Portable protection for small electronics like smartphones, laptops, radios, and medical devices.
   • Design: Constructed from conductive materials (e.g., copper, nickel, or TitanRF fabric) to block electromagnetic radiation. Faraday cages are larger enclosures for equipment like generators.
   • Features: Lightweight, reusable, and often waterproof. Some, like the Rapture Faraday Bag, offer 1,060L capacity for large items.
   • Use Case: Ideal for preppers or those wanting to store backup devices safely.
5. Industrial and Military-Grade Shields
   • Purpose: Protects critical infrastructure, data centers, or military equipment from high-intensity EMPs, including high-altitude electromagnetic pulses (HEMP) and intentional electromagnetic interference (IEMI).
   • Features: Custom-engineered with hardened enclosures and advanced shielding materials like mu-metal or galvanized steel.
   • Example: MAJR Products’ HEMP shielding solutions for military applications.

Each type serves a unique purpose, so your choice depends on what you’re protecting—your home, car, or portable devices.

Why Are EMP Shields Needed?

The modern world’s reliance on technology makes EMP protection a necessity.

An EMP event could disrupt or destroy critical infrastructure, including power grids, telecommunications, transportation, and banking systems.

Here’s why EMP Shields are a wise investment:

1. Dependence on Electronics: From medical devices to smart homes, our lives revolve around technology. An EMP could render these systems inoperable, leading to chaos. For example, a 2014 congressional hearing highlighted that a nuclear EMP attack could collapse the U.S. electric grid for months or years, potentially causing societal breakdown.
2. Natural Threats: Solar flares, like the 1859 Carrington Event, can produce geomagnetic storms that mimic EMP effects. NASA notes that solar flares release energy toward Earth at the speed of light, potentially disrupting radio communications and power grids. Another Carrington-level event could cause widespread blackouts.
3. Man-Made Threats: High-altitude nuclear detonations or terrorist IEMI attacks could target critical infrastructure. Even low-yield nuclear weapons can produce catastrophic EMPs, and nations like North Korea have practiced such scenarios. The rise of affordable IEMI devices, which can be built for a few hundred dollars, increases the risk of localized attacks on hospitals, banks, or water systems.
4. Economic and Personal Impact: Replacing damaged electronics or rebuilding infrastructure post-EMP would be costly and time-consuming. EMP Shields offer a proactive, cost-effective solution compared to recovery efforts.

Interactive EMC Diagram

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Probability and Statistics of EMP Events

While EMP events are low-probability, high-impact scenarios, their likelihood is not zero, and the consequences are severe. Here are key statistics and insights:

Natural EMPs (Solar Flares):

• The 1859 Carrington Event, a massive solar storm, disrupted telegraph systems worldwide. Experts estimate a 12% chance of a similar event occurring in the next decade.
• Smaller solar flares occur regularly, with NASA recording 11-year solar cycles. A 2012 near-miss solar storm could have caused $2 trillion in damages if it had hit Earth.

Man-Made EMPs:

• A 2014 congressional report warned that a nuclear EMP attack could kill 9 out of 10 Americans through starvation, disease, and societal collapse due to prolonged grid failure.
• The EMP Commission found that even a 1-kiloton nuclear weapon could produce a catastrophic EMP, and countries like Russia, China, and North Korea may possess such capabilities.
• IEMI attacks are more probable due to their low cost and accessibility. A single IEMI device could disrupt local infrastructure, with no reliable probability estimates due to their covert nature.

Grid Vulnerability:

• The U.S. electric grid is aging and overburdened, making it highly susceptible to EMPs. The EMP Commission estimated that protecting key grid components would cost $2–4 billion, a fraction of potential recovery costs.
• A 2019 Electric Power Research Institute report suggested that an EMP attack would likely cause regional blackouts rather than nationwide failure, but recovery could still take weeks or months.

While the exact probability of an EMP event is hard to pin down, the growing geopolitical tensions and increasing solar activity make preparation a prudent choice.

Recommendations for EMP Protection

Choosing the right EMP Shield depends on your needs, budget, and level of preparedness.

Here are our top recommendations, along with practical tips:

Best Whole-Home EMP Shield: EMP Shield Home Unit

• Why: Tested to military standards, UL 1449 certified, and backed by a 10-year warranty. Protects against EMPs, lightning, and surges with a $25,000 insurance policy.
• Price: ~$350–$400.
• Tip: Hire a licensed electrician for proper installation to ensure maximum effectiveness.

Best Vehicle EMP Shield: EMP Shield Vehicle Unit

• Why: Compact and easy to install, it protects modern vehicles’ sensitive electronics. Ideal for preppers or those in rural areas reliant on cars.
• Price: ~$350.
• Tip: Pair with a Faraday bag for portable devices like GPS units or radios.

Best Faraday Bag: Rapture Extra-Large Faraday Bag

• Why: Made from TitanRF fabric, it’s waterproof, military-certified, and has a 1,060L capacity for generators or large electronics. Also blocks WiFi, 5G, and other signals for privacy.
• Price: ~$200–$300.
• Tip: Store backup devices (e.g., radios, flashlights) in a Faraday bag for quick access post-EMP.

Best Budget Option: DIY Faraday Cage

• How: Wrap devices in non-conductive material (e.g., cloth or paper), then cover with three layers of aluminum foil, ensuring no gaps. Ground the enclosure for better protection.
• Cost: Minimal (under $10).
• Tip: Test effectiveness by placing a phone inside and checking if it receives signals.

General Tips

• Prioritize Critical Devices: Protect essentials like medical equipment, communication devices, and power sources first.
• Combine Solutions: Use a whole-home shield for infrastructure and Faraday bags for portable devices.
• Stay Informed: Monitor solar activity through NASA’s Space Weather Prediction Center and geopolitical risks via credible news sources.
• Emergency Supplies: Stock food, water, and medical kits, as an EMP could disrupt supply chains.

Final Thoughts: Be Prepared, Not Paranoid

EMP Shields are not about succumbing to fear but about taking practical steps to protect what matters most in an uncertain world.

While the odds of a catastrophic EMP event are low, the potential impact is staggering—think blackouts, communication failures, and economic disruption.

By investing in an EMP Shield or Faraday bag, you’re ensuring that your home, vehicle, or critical devices remain functional when it counts.

For most readers, we recommend starting with a whole-home EMP Shield like the EMP Shield Home Unit for comprehensive protection, complemented by a Faraday bag for portable electronics.

If you’re on a budget, a DIY Faraday cage is a great first step. Whatever you choose, act now—because when it comes to EMPs, preparation is the only defense.

Have you invested in EMP protection, or are you considering it?

Share your thoughts in the comments, and let’s keep the conversation going.

According to: investopedia.com- In many ways, the American Dream is a concept of optimism. It implies equal opportunity and that any individual can aspire to financial stability and even superior wealth—regardless of their background—through hard work, entrepreneurial ventures, or other means. A large component of financial stability and the American Dream is owning your own home. The Great Recession and the ensuing housing collapse in 2008 cast doubt on the so-called “American Dream.” The economic crisis precipitated by the 2020 lockdowns and job losses didn’t help.

When we solve a problem, after a while, we tend to forget what solved the problem and go back to what we used to do that caused the thing to go over the cliff in the first place.

That was the 2008 mortgage and financial crisis, as it forgot the lessons of the Great Depression.

All Americans  Will Lose Their Home, Income And Power By June 30, 2025

Watch the video below!

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History up to the Great Depression

In the 1920’s, when the economy was booming and it seemed like the party would never stop, banks lent out a ton of money on credit, with the presumption that all that money would be paid back and that there was sufficient collateral to cover it.

Except, there wasn’t.

One of the biggest assets that people might own that a bank could recover is real property. As Will Rogers once noted: “Buy land. They ain’t makin’ any more of the stuff.” Real property was something that pretty much always appreciated in value.

Prior to the early 1900’s, most people didn’t own their own homes. Most people rented. Many lived in tenements and apartments in cities, or lived as tenants on farms in rural areas. Land speculators often bought what was left of the government land grants as the frontier closed.

But, in the 1920’s, that began to change as banks felt more confident in lending credit for new construction. There were significant speculation bubbles. People bought property and built homes on future credit that wasn’t based on anything but hope.

And as the stock market ticked ever higher and higher, banks bet on it. With the deposit money of their customers.

And then the Stock Market Crash of 1929 hit.

Banks that were significantly overleveraged and undercapitalized were hit hard. Many just failed, and those who had their deposits at banks that became insolvent just lost everything. There was no deposit insurance. If your bank went under, you were screwed out of your entire savings.

And if you lost your job, that meant you also lost any means of continuing to pay back that home loan.

Additionally, there were suddenly vast quantities of new construction for sale… that nobody could afford any longer. That drove down property values everywhere.

Suddenly, your property that was worth $10,000 last year might now only be worth $5,000. But you might still owe $8,000 – what we call “underwater.” If you default or declare bankruptcy, the bank loses. And you’re out on the street.

And then, what could the bank do with the house? How could they sell it? Nobody was buying. So, the bank suddenly has a ton of illiquid assets.

More foreclosures in a neighborhood continues to lower the property values further, and the destructive cycle just ends up repeating itself.

The Hoover administration tried economic protectionism. At the administration’s pushing, Congress passed the Smoot-Hawley Act of 1930, which imposed schedules of high tariffs on over twenty thousand types of imported goods, to protect American business, by golly.

It backfired spectacularly and greatly exacerbated the worsening Depression.

Weather conditions didn’t help. A severe drought ravaged the Midwest and Great Plains starting in 1930. Farmers had been using what in retrospect were poor farming practices, tearing down line fences and forest windbreaks and not planting cover crops for winters. The thin layer of good topsoil in the Great Plains turned to dust and became an ecological nightmare.

Farms started going under as crops failed. The Smoot-Hawley tariffs only made things worse.

Additionally, the money supply dried up. The banks that survived, like J.P. Morgan Chase, just turned off the credit spigot to stay afloat. They stopped lending. Why? Again: illiquid assets. The banks were holding on to all these properties and other assets that they couldn’t sell. And people didn’t trust the banks because so many had lost everything depositing their savings there. Because the banks couldn’t sell anything they had, and nobody would give them any cash, they didn’t have any money to give out.

Part of the problem was the gold standard. Under the Federal Reserve Act, at least 40% of the money in circulation had to be backed by gold reserves held by the federal government. So, there was no modern tool of being able to print more money to help increase liquidity.

On top of that, gold became more expensive. Mortgages often had clauses that allowed banks to demand repayment in gold because of the gold standard. By 1932, that resulted in a disparity in payment between the dollar and the value of gold that meant that if a debtor was forced to repay in gold, it could cost him as much as $1.69 for every dollar he owed. This led to more bankruptcies and foreclosures still.

Because of the tariffs, the lack of money supply, the collapse of agriculture, and lack of consumer spending, rampant deflation initially set in. This made exported American goods increasingly more expensive for overseas importers, even where other nations had not instituted retaliatory tariffs of their own. Manufacturing began to collapse. The steel industry followed.

And the Depression spiraled out of control.

When Roosevelt took over from Hoover in 1932, the nation was becoming increasingly desperate.

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The New Deal

Roosevelt ran on a radical new idea that he called “The New Deal.” The premise was that the government would intervene in the economy and prop it up through deficit spending and government borrowing. The New Deal would create government programs to put people back to work and get people back to farming and building things, and that eventually, once people got back on their feet, the government could take those supports out.

Various New Deal reforms were leveled at the financial sector to try to get the credit flowing again.

One reform was put on the banks directly: the Glass-Steagall Act. One of the problems with the banking crisis was that banks could gamble with depositor’s money. The Glass-Steagall Act separated investment banks from commercial banks. Investment banks are gamblers. These deal with stock and bonds and venture capital and hedge funds and Wall Street. Commercial banks are the Savings and Loan where you put your nest egg. The Glass Steagall Act put a firewall between the two. The idea was that Wall Street could melt to the ground and Main Street wouldn’t go with it.

You’ll Understand Everything After Watching This VIDEO! 

Keep this in mind. It will be important later.

Another was to protect depositors. Commercial banks would be required to pay into a new Federal Deposit Insurance Corporation: the FDIC, which would make sure that depositors would get paid back if the bank collapsed. That encouraged people to trust banks again. People would deposit their money, and banks could use that money to start giving out loans again.

A third was to help reduce the risk of default on certain types of loans through surety agreements. Sureties had been around forever: they’re a promise to pay a debt if the original debtor defaults.

The Federal government aimed these programs at home loans in particular, to try to reduce the homelessness problem. And so, in 1938 with the National Housing Act, the government formed the Federal National Mortgage Association, or FNMA. FNMA, or “Fannie Mae,” would buy the mortgages from the banks, who would continue to “service” the mortgages. From the perspective of the consumer, it looked just like their ordinary transaction: get a loan from the bank, pay the bank. The bank kept some money for “service fees,” and the Feds took over the loan, and importantly: the risk of default. This created a secondary market for mortgages for the first time in history.

But Fannie would only buy that mortgage if it met certain criteria, such as debt to income ratios, term of the loan, and more. If banks wanted to make other loans, that was fine, but Fannie wouldn’t buy them.

And the program basically worked. Banks started lending again. Credit slowly started to thaw out. Banks started getting more liquidity in their balance sheets. People started being able to buy homes again.

After World War II, the housing market took off again, fueled in part by the GI Bill and a push for suburbanization and the creation of easily duplicated, cheap ranch houses on a standardized template.

But in the background still driving things along was always Fannie Mae and the prime 30 year fixed-rate mortgage, which had become as much a part of the standardized American experience as baseball. Housing prices rose steadily home ownership became a stable part of the American economy. Virtually every person in the country could see a viable path to owning their own home.

By the 1960’s, FNMA owned more than 90% of the residential mortgages in the United States and individual home ownership had risen to the highest levels ever recorded. This led to the greatest expansion of the middle class in history.

So, of course, like all wildly successful government programs, we had to fix it.

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Privatization

In 1954, FNMA was semi-privatized into a public-private hybrid where the government owned the preferred stock (with better voting rights within the corporation,) and the public held the common stock (which gave dividends, but inferior voting rights).

And in 1968, Fannie Mae was privatized entirely, with a small slice of it (known as Ginnie Mae) carved off to maintain Federal Housing Authority loans, Veterans Administration loans, and Farmer’s Home Administration mortgage insurance. Because Fannie Mae had a near monopoly on the secondary mortgage market, the government created the Federal Home Loan Mortgage Corporation to compete with it: Freddie Mac.

By 1981, Fannie and Freddie were doing well as private companies, and Fannie came up with a great idea that had been done in limited settings: pass-through mortgage derivatives. They would bundle up various mortgages and sell them as a type of bond to investors. Investors loved the idea. The housing market had been extremely stable for nearly fifty years and offered a modest, but highly reliable return. And so the commercial home loan mortgage backed security was born.

Keep this in mind. It will be important later.

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The Savings and Loan Crisis

By the early 1980’s, the economy had been stable for 30 years (more or less,) and thanks to the Glass-Steagall Act, commercial banks were doing okay even with the “stagflation” of the 1970’s. Home prices continued to rise about on par with wage growth.

But one type of commercial banks, the Savings and Loan banks, wanted to do better than okay. S&L’s were the kind of bank in It’s a Wonderful Life. S&L’s were specifically singled out in federal legislation, like credit unions, for a single purpose: to promote and facilitate home ownership, small businesses, car loans, that sort of stuff.

A business-friendly Congress agreed. They passed two laws in 1980 (signed by Jimmy Carter) and 1982 (Signed by Ronald Reagan) that allowed banks to offer a variety of new savings and lending options, including the Adjustable Rate Mortgage, and dramatically reduced the oversight of these banks.

Adjustable rate mortgages work by locking in a fixed rate for a short term, and then after that initial term, the mortgage rate would re-adjust every additional term after that. If the prime interest rates set by the Federal Reserve stayed high, lenders would get hammered.

But S&L’s had a fix in mind for consumers: just keep refinancing your home every time the first term is up. Home prices would just always continue to rise, right? They could collect closing costs every couple of years, and consumers remained essentially chained to them in debt with a steady stream of revenue that would always be secured if something happened. It was perfect.

Keep these types of mortgages in mind. It will be important later.

By the mid-1980’s, the lack of oversight allowed S&L’s to start making riskier and riskier decisions, offering certificates of deposit with wild interest rates, as much as eight to ten percent. They were exempted from FDIC oversight, while still keeping deposits federally insured (what could go wrong there, right?)

And then the Federal Reserve, in an effort to reduce inflation, raised short-term interest rates, which sent ripple effects through these S&L’s, who had been made very vulnerable to that particular issue through these bad decisions, lack of appropriate capitalization, and overpromising depositors.

By 1992, almost a third of savings and loan banks nationwide had collapsed.

This crisis led to the Financial Institutions Reform, Recovery and Enforcement Act of 1989 (FIRREA), which put back some of the same oversights that had been taken off because people wanted to make more money, particularly better capitalization rules (which were tied to risk,) increased deposit insurance premiums and brought back some FDIC oversight, and reduced these banks’ portfolio caps in non-residential mortgages.

Keep this in mind. It will be important later.

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The Repeal of Glass-Steagall

Remember how back in the 30’s, in the midst of the Great Depression, we instituted that firewall between investment banks and commercial banks?

Again, it worked so well, we had to fix it.

Starting in the 1960’s, the federal regulators began to start to allow commercial banks to get back into the securities game again. The list was limited, and was supposed to stay in relatively safe stuff.

This accelerated under Reagan’s policy of deregulation, and continued under Clinton in the 1990’s. By 1999, Bill Clinton declared that Glass-Steagall no longer served any meaningful purpose, and most people had declared it dead well before that. The law was officially repealed in 1999 with the Gramm-Leach-Bliley Act.

Immediately, investment and commercial banks start merging again. Bear Stearns, Lehman Brothers, Citibank, all of these investment banks start buying out the commercial banks or merging.

And there’s a culture difference between those.

Remember: investment banks are gamblers. These are the Wall Street guys. They’re risk takers. They’re hedge fund managers. These are your Gordon Gekko type guys. Commercial banks are Main Street guys. They’re generally conservative, George Bailey types.

And the investment banker culture won out over the course of the 2000’s. George Bailey starts snorting coke and putting on Ray Bans with a blazer and jeans.

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Sub-Prime, NINJA, and ARM Loans

In the early 1990’s, affordable housing started to become a greater and greater issue. George H.W. Bush signed legislation in late 1992 amending Fannie and Freddie’s charters to push them to make loans to people with lesser means than the traditional prime criteria. The Clinton Administration continued pushing Fannie and Freddie to accept more low and moderate income earners.

That meant taking on riskier loans.

The Clinton administration put rules in place in 2000 to curb predatory lending practices, and rules that disallowed those risky loans from counting towards their low-income targets.

The Bush administration took those predatory lending rules off in 2004, and allowed those risky, “sub-prime” mortgages to count towards the low-income targets set by Housing and Urban Development.

Remember those ARM mortgages?

Heh, heh. This is getting long, and you probably glossed over that, didn’t you? I told you it was going to be important.

Banks started making riskier and riskier loans, often those ARM loans. They could meet their HUD targets and make tons of money. And again: the gravy train was endless, right? The housing market had not lost value for over fifty years, even in the recessions of the 70’s and 80’s.

So, they put more people in houses. Bigger houses. More expensive houses. The economy was doing good. New construction was hot. Contractors couldn’t build the McMansions fast enough.

Banks started a race to the bottom with these sub-prime loans, getting all the way to NINJA loans: No Income, No Job, No Assets required. You’re a homeless person selling Etsy products out of your car? You’re already prequalified on a quarter-million subdivision home with a quarter-acre. Congratulations.

The most shocking videos in the world! (Full video below)

As long as you could afford the payments, you were in.

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De-regulation

In the early 2000’s, the Bush administration wanted to keep the economy going. There was a low-level recession from March 2001 to November 2001 following the dot-com crash. The administration lifted a number of securities and financial sector oversight rules. One of those rules was about capitalization.

Remember that? I told you that was going to be important.

Capitalization requirements are how much reserve cash a bank needs to keep on hand to prevent collapse if something happens, against their liability sheets. Remember: that’s how banks got in trouble before the Great Depression and again right before the Savings and Loan Crisis. They took on too many liabilities and didn’t have enough capital to actually pay it all out.

The Bush administration relaxed the rules on required capitalization and what assets could count as capital. Some of those assets turned out not to be very useful.

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Collateralized Debt Obligations and the Mortgage Backed Security

Remember, back in 1981, when Fannie starts issuing those mortgage backed securities, re-selling them as bonds with a low, but reliable interest rate?

That gets more complicated after 2004–2005 with the increased use of a financial tool called the collateralized debt obligation. Basically, a CDO is just a promise to pay investors in a sequence based on the cash flow from something the CDO invests in. The rate of return was tied to how risky the CDO was.

In the 70’s and 80’s, CDOs were pretty safe, mundane things. They were basically like index funds; they invested in a lot of stuff and did okay. But by the mid-2000’s, CDOs were becoming riskier and riskier, while providing more and more reward. CDOs bought up mortgages like crazy, because they had increasingly higher interest rates as the subprime mortgages started taking off.

But people were nervous about investing solely in these high-risk CDOs. And so, investment banks that bought up those mortgage-backed securities started to bundle together some high-risk mortgages with some regular, low-risk mortgages and promising that they were safer.

And then some investment banks started to lie about how many of those high-risk mortgages were in them. Why? Again: the housing market was super-stable and always going up. Those loans only looked high-risk on paper, right? I mean, those debtors could always just keep refinancing every couple of years.

So banks bought up those assets and added them to their capitalization sheets.

You see it, right? You see the problem here? Not yet?

Keep this in mind. It will be important in just a minute.

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The Collapse

I remember being in college in the early 2000’s, and asking the loan officer at our local bank how some of the people I knew were making maybe $10–12 an hour could afford these massive homes and boats and jet skis and campers. My parents were teachers; they weren’t doing bad, but we couldn’t afford all that and I knew they were doing better than some of those people. The loan officer shook his head and said, “They can’t. They can afford the payments.”

Some of those people didn’t have furniture in their homes. If they had a party, they rented furniture for a couple days. I’m serious. That was a thing. Many of them were in deep, crippling credit card debt, paying off the balances of one with another, and justifying it with the idea that it would be okay when the next raise kicked in.

It was a classic speculation bubble.

Then in late 2006–2007, that bubble burst.

The housing market became oversupplied. People stopped buying the new construction and the existing homes as much. And home values started to drop.

And suddenly, because home values plateaued and then dropped, so too did the little bit of equity that many of these purchasers, in debt up to their eyeballs, had in their homes. Without more equity, they couldn’t refinance. And because they could’t refinance, those ARM loans or other loans kicked in, and the interest rates on them skyrocketed.

And suddenly, they couldn’t make the payments anymore.

And then they went into default on their mortgages.

Followed by foreclosure.

And often bankruptcy.

It turned into a vicious cycle. Once one or two neighbors end up losing their homes in foreclosure, it affects the property values of everyone else around those properties like a contagion. Healthier borrowers started to become impacted as property values declined and now they couldn’t refinance.

In 2007, lenders foreclosed on 79% more homes than in 2006: 1.3 million foreclosures. In 2008, this skyrocketed another 81% still: 2.3 million. By August of 2008, nearly one in ten mortgages nationally were in default and foreclosure proceedings. By one year later, this had risen to over 14% nationally.

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The Recession

Remember, the financial sector had heavily invested in all of those housing market securities. They thought they were safe. They thought that the housing market would never go anywhere but up. They built their whole foundation on it.

And they had relied on those securities to meet their capitalization requirements.

Securities that suddenly turned out to be nearly worthless.

Huge banks ran out of liquid cash almost immediately. This is what happened to Bear Stearns, Lehman Brothers, Goldman Sachs, Citibank, and more. They were suddenly holding on to billions upon billions of dollars of assets that were either worthless, or completely frozen. They couldn’t sell the bits of stuff that was even worth anything.

And because their assets weren’t liquid, they didn’t have money to lend anymore.

And that lack of credit is what grinds the economy to a halt.

That impacted every sector of business in the United States. Which impacted every sector of business in the world. And that meant that businesses started having to lay people off because they couldn’t get the money to keep paying them.

And then because those people lost their jobs, they started to default on their mortgages. Which rippled through the CDO market again.

This was why it was so critical for the Federal Reserve to buy those toxic assets and provide the banks with liquid cash in their place. They had to get the credit flowing again to re-start the gears of the economy. Without it, we almost certainly would have seen a full repeat of the Great Depression.

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And that brings us to today.

That’s the abbreviated, oversimplified explanation. It’s more complicated than this, and there’s other factors that contributed, but that’s kind of the main story in basic terms. That’s roughly how 10 million homes went into foreclosure.

And we still haven’t fully recovered. Over twice as many people rent as opposed to own. Less than one-third of people who have lost a home in foreclosure in the last decade will be able to repurchase another again. Roughly 2/3ds of those people who lost their homes have so damaged their credit that they will never qualify again. Hundreds of thousands, if not millions more, were so emotionally traumatized by the experience that they simply refuse to go through it again.

And that number of renters to owners is substantially higher for my generation, the Millenials, who have never seen any substantial portion of the post-2008 recovery. We still haven’t made up the wages that would allow us to save enough to purchase, even setting aside the massive increase in student debt we carry.

75% of my generation wants to own a home. Less than 35% do.

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And, in case reading this wasn’t chilling enough for you, the present administration has been lifting some of the exact rules and regulations that were put into place after the 2008 collapse that were lifted in 2004 that were put in place after the 1980’s collapse after those were lifted. Because it worked so well the first two times.

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Mostly Standard Addendum and Disclaimer: read this before you comment.

I welcome rational, reasoned debate on the merits with reliable, credible sources.

But coming on here and calling me names, pissing and moaning about how biased I am, et cetera and BNBR violation and so forth, will result in a swift one-way frogmarch out the airlock. Doing the same to others will result in the same treatment.

Essentially, act like an adult and don’t be a dick about it.

• Look, this is pretty oversimplified. Ph.D. theses have been written about this. I’m trying to make it at least remotely accessible to those with the patience to read it. Don’t be pedantic about it, please?
• Getting cute with me about my commenting rules and how my answer doesn’t follow my rules and blah, blah, whine, blah is getting old. Stay on topic or you’ll get to watch the debate from the outside.
  • Same with whining about these rules and something something free speech and censorship.
• If you want to argue and you’re not sure how to not be a dick about it, just post a picture of a cute baby animal instead, all right? Your displeasure and disagreement will be duly noted. Pinkie swear.

If you have to consider whether or not you’re over the line, the answer is most likely yes.

Debate responsibly.

The most shocking video can be found below:

As America heads towards an economic collapse due to its crazy national debt and runaway spending, we can learn some great lessons about how to prepare for the SHTF (Sewage Hits The Fan) that is to come by looking at what happened to Argentina

In 2001, Argentina plunged from being a very wealthy country with a large middle class to a country where the middle class all but disappeared. It was all due to uncontrolled government spending. Since the situation is so similar to what we have here in the United States today, the lessons learned are especially pertinent.

The most shocking videos in the world! (Full video below)

The first lesson to be learned from the economic collapse in Argentina is that desperate people will do desperate things. People took to the streets protesting what they saw as the robbery of the middle class by the banks and the betrayal of the politicians. Civil unrest became a common occurrence, as people who saw their bank accounts and retirement plans evaporate suddenly had nothing left to lose.

In addition, as the situation dragged on, more and more crime became commonplace. It wasn’t just robberies in bad neighborhoods, but more sophisticated burglaries in previously safe neighborhoods as well. People learned that their homes were being staked out and, when all the members of the family left and the house was vacant for a few hours, they could come home to a house that had been stripped.

In addition, a new term “express kidnappings” was coined. Instead of just kidnapping rich people where a huge ransom could be demanded, thugs started kidnapping people of more modest means and demanding only a couple hundred dollars. They would drive the around in a cab all day until a phone call to their home produced some sort of a payoff, and then they would move on to the next victim.

Express kidnappings were very smart financially for the bad guys, as the amount of money taken would not warrant a huge investigation from the overburdened police force. And if they knew what they were doing, they could pull off a couple of these every day.

Another thing that became commonplace was that former middle class people became unlicensed “taxi drivers” using their minivans or luxury cars to drive people to work or the airport. Others tried their luck to get work as a handyman. Women did nails and cleaned houses. People worked for a fraction of what they used to make, just so that they could feed their family.

Those looking for economic opportunity in a post-economic collapse society found that the teaching (especially vocational studies where you would teach a trade) and counseling professions did well, as people needed to get new skills to work and needed counseling to cope with a world turned upside down.

Another unfortunate development was food shortages and power outages. Although there was technically enough food for everyone, in the tumultuous times where prices could jump 10% in a week for some items, no grocery stores wanted to sell out of their products. Therefore, it became common for store shelves to be empty, as a lot of stock was held in reserve.

Power outages occurred as the utilities and local governments were strained financially with so many people unable to pay their bills and taxes. So infrastructure repairs and maintenance were neglected, leading to less reliable services.

There is a lot to consider if you want to prepare for an economic collapse in the United States. The best way to begin your “preps” (that is a term that preppers use) is by first analyzing what has happened before so when history repeats itself, you will be ready instead of having regrets.

Conclusions

In the view of some observers, Argentina’s debt position would have been sustainable if only market uncertainty had not triggered a crisis. While there is some truth to this view, it does not take into account the fact that Argentina could have reduced its vulnerability to potentially destabilizing shifts in market sentiment by aggressively reducing its public and external debts. This is illustrated by the contrasting experiences of Argentina and Asian economies like South Korea. With much lower debt levels, the latter is less likely to experience adverse shifts in market sentiment and is less vulnerable to them should they occur.

Cutting Argentina’s public debt requires reductions in government spending, tax reforms designed to increase government revenues, and policies to stimulate export growth over the medium to long run. The successful adoption of such policies is the key challenge facing Argentina and a number of other emerging economies, and it is an important prerequisite for achieving stability in a globalized economy.

All Americans  Will Lose Their Home, Income And Power By May 30, 2025

Watch the video below!

Even some of our brightest scientific minds are projecting that there is absolutely no positive future for our civilization if we stay on our current course.  Perhaps one of the reasons why our society has become so obsessed with short-term results is because most of us can’t bear to think about the long-term consequences of our actions.  I have a website that focuses on “economic collapse”, but it isn’t just the economy that is headed for catastrophe.  Virtually every aspect of our society is coming apart at the seams all around us, and the era that we are moving into will be more nightmarish than most people would dare to imagine.  But our political leaders continue to insist that everything is going to work out just fine somehow, and most people choose to believe them.

On December 6th President Trump’s words shook the world.

So pay chose attention because this video will change your life forever for the good!

This week, an old MIT study from 1972 that projected that our civilization will collapse at some point during the 21st century made headlines on several major news sites…

In 1972, a team of MIT scientists got together to study the risks of civilizational collapse. Their system dynamics model published by the Club of Rome identified impending ‘limits to growth’ (LtG) that meant industrial civilization was on track to collapse sometime within the 21st century, due to overexploitation of planetary resources.

In particular, the study identified a period of time “around 2040” when societal collapse would be very likely…

The study was published in the Yale Journal of Industrial Ecology in November 2020 and is available on the KPMG website. It concludes that the current business-as-usual trajectory of global civilization is heading toward the terminal decline of economic growth within the coming decade—and at worst, could trigger societal collapse by around 2040.

Of course events are not going to transpire exactly as they foresaw, but as far as the big picture is concerned they were right on the money.

Our society is now in the process of collapsing all around us, and you can see evidence of this everywhere that you look.

This week, civil unrest is causing widespread chaos in the streets in Cuba, South Africa, Beirut and Paris.  We have entered a period of time when it seems like people are perpetually angry, and the wild scenes that are playing out around the globe are absolutely shocking.

Here in the United States, we are in the midst of a crazy crime wave.  Murder rates in our major cities rose by an average of 30 percent in 2020, and they are up another 24 percent so far in 2024.  Extreme violence has become a way of life in many of our largest metropolitan areas, and this is particularly true in the city of Chicago…

A Chicago rapper died after suffering as many as 64 bullet wounds to his head and other parts of his body in what police are calling an ambush shooting just as he was released from jail.

Londre Sylvester, 31, who is known by his stage name KTS Dre, was one of three people who were shot just outside Cook County Jail in the Little Village section of Chicago on Saturday.

Chicago police seem powerless to stop the endless violence, but of course the same could be said about many other police departments around the country.

The streets of our biggest cities are becoming war zones, and what we have experienced so far is just the beginning.

Meanwhile, we are dealing with the worst epidemic of illegal drugs in our history.  If you can believe it, drug overdose deaths were up nearly 30 percent last year…

Drug-overdose deaths in the U.S. surged nearly 30% in 2020, the tragic result of a deadlier supply and the destabilizing effects of the Covid-19 pandemic, according to preliminary federal data and public health officials.

The estimated 93,331 deaths from drug overdoses last year, a record high, represent the sharpest annual increase in at least three decades, and compare with an estimated toll of 72,151 deaths in 2019, according to provisional overdose-drug data released Wednesday by the Centers for Disease Control and Prevention.

Drug overdose deaths were already at an all-time high coming into 2020.

So for the number of deaths to rise 30 percent above that level in just one year is really, really tragic.

At the same time, our system of public education continues to rapidly deteriorate.

Earlier today, I was shocked to learn that 41 percent of all high school students in Baltimore have a grade point average that is below 1.0…

Project Baltimore obtained a chart assembled by Baltimore City Schools. The chart shows the average GPA for every high school grade in the city – freshman through senior. In the first three quarters of this past school year, according to the chart, 41% of all Baltimore City high school students, earned below a 1.0 grade point average. In other words, nearly half of the 20,500 public high school students in Baltimore earned less than a D average.

“It’s heartbreaking,” said Patterson. “If almost half of our kids are failing, what options do they have after high school? This is really disheartening. It’s sad to see this.”

I don’t just want to single out Baltimore, because that isn’t fair.

All across this once great country of ours, public schools are completely and utterly failing our kids.  The vast majority of our high school graduates cannot read, write or speak coherently, and that simply should not be happening in the wealthiest nation on the entire planet.

Switching gears, authorities up in Canada are dealing with a different form of social decay.  For years, I have been warning that Christians in the western world would soon face the same sort of extreme persecution that Christians in other parts of the globe are forced to endure, and now it is starting to happen.

In recent weeks, individuals that are apparently motivated by a deep hatred for Christians have been setting churches on fire all over Canada…

Terrorists are attacking and burning down churches across Canada with impunity.

It’s a reality most Canadians only thought possible for Middle Eastern countries like Syria, where ISIS has bombarded and razed dozens of Christian heritage sites in the name of Islam.

We haven’t seen anything quite like this before.  According to Keean Bexte, a total of 45 Canadian churches have been burned just since the beginning of June…

The Counter Signal has kept a close eye on these terrorist attacks, reporting on the scene just hours after a fire in a refugee church.

Our information shows that since June, there have been 45 attacks on Christian and mainly Roman Catholic congregations. Of those, 17 of them have been scorched or burnt to a crisp in suspicious circumstances.

The corporate media should accept responsibility for their role in provoking these attacks.

For years, the corporate media has been relentlessly demonizing conservative Christians, and churches are the most visible symbols of conservative Christian culture in our society.

As the corporate media continues to blame conservative Christians for society’s ills, it is inevitable that there will be more attacks on churches in the future.

But of course there will be more violence everywhere around us as our society continues to steadily unravel.

I have never seen as much anger, frustration and hate as I am seeing right now, and there is no future for a society in which virtually everyone is filled with rage.

The years ahead are going to be extremely chaotic, and I would suggest that you plan accordingly.

All Americans  Will Lose Their Home, Income And Power By May 30, 2025

Watch the video below!

Today, millions of Americans say that they believe that the United States is on the verge of a major economic collapse and will soon be entering another Great Depression. But only a small percentage of those same people are prepared for that to happen. The sad truth is that the vast majority of Americans would last little more than a month on what they have stored up in their homes. Most of us are so used to running out to the supermarket or to Wal-Mart for whatever we need that we never even stop to consider what would happen if suddenly we were not able to do that. Already the U.S. economy is starting to stumble about like a drunken frat boy. All it would take for the entire U.S. to resemble New Orleans after Hurricane Katrina would be for a major war, a terror attack, a deadly pandemic or a massive natural disaster to strike at just the right time and push the teetering U.S. economy over the edge. So just how would you survive if you suddenly could not rely on the huge international corporate giants to feed, clothe and supply you and your family? Do you have a plan?

EXPOSED: The most shocking VIDEO can be found below…

Food Confiscation: How to protect your food stores and production from government confiscation!

So pay chose attention because this video will change your life forever for the good!

Will the bottom fall out of this thing? Will a true economic collapse take hold of our world?

No one can really be certain, but you can be certain of the 5 things you should do on the day of the economic collapse.

At the very least you can create a plan.

1. Providing Food for Your Family

The day the economy collapses, make time, go to the closest supermarket and buy some long term emergency foods or simple: white rice, grains, canned foods, etc. Without food you are not going to survive. More so, just like gold – food is one of the best currencies in a crisis, and unless it spoils you have absolutely nothing to lose. People will trade ANYTHING for food.

During famines people ate a lot of “nasty” stuff, and even resorting to cannibalism (no kidding – a lot of times).

2. Consolidate Your Job Position

You know better what this means to you. It can be: settling a dispute with your boss, colleagues, or doing a job you previously postponed for days, or inviting your boss for dinner (Hope this doesn’t mean you have to kiss some a$$). When that person who makes the decisions has to fire some staff, just make sure the rational and emotional arguments are on your side. You know better what and how to do. Be smart, not vain!

If you own a business or you are your own manager then consolidate the business! This can mean renegotiating contracts with providers or making new partners.

3. Redistribute Your Money

If all of your money is in one single bank account, you might end up with none if the bank goes bankrupt. The day the economy collapses, go to the bank and withdrew a large part of your money and move them into different bank account (other banks). Keep part of them in cash and part of them invest it (buy) in something that doesn’t devalue 

4. Plant Anything and Everything You Can

In the 20th century starvation killed 10’s of millions of people. Communists used it as a weapon of their culture wars, and it devastated the people of Russia, China, and North Korea.

There is a good chance that you will have a garden growing but you need to rapidly expand food production to its limits. If you have grow lights for sprouting seeds then you should be growing food indoors, too!

5. Look for Help

Last but certainly not least you need to find out who can help you.

While it might feel good to assume you are prepared for everything and able to weather any storm, you should never be too proud for help. There might be organizations or people around you that can help if you get in trouble. Knowing who you can trust and who you can depend on for help is critical.

All the signs are flashing. We are headed towards some kind of economic reckoning. If you take advantage of these 5 things, then you will be way ahead of the pack.

There are tons of preparations that you can make now, during the leadup. However, when the moment comes and you cannot get money out of the ATM or the deliveries of food stop coming to shopping markets, you need act.

You’ll Understand Everything After Watching This VIDEO! 

It is the final backup plan for a lot of us in the case of a disaster. A generous supply of cold hard cash to buy our way out of trouble, pick up as many last-minute supplies as possible or to acquire resources that are unavailable to anyone with a credit card in a world where the electricity is out and the internet is down. We frequently talk about having cash for emergencies, but how much cash should you have if the grid goes down? What will you be able to purchase with your doomsday supply and how long would it last in the first place?

One of our readers made a recommendation the other day to have between $500 and $1000 in cash for your bug out bag and at the time it prompted me to consider again if this amount makes sense. In my personal preparedness plans I have a supply of cash but I am always trying to figure out if what I have is enough or too much. Will it even matter when TEOTWAWKI comes and how can I best use the cash I have to survive?

Why do you need to have cash on hand?

You want to know the time when you will need cash the most? It will be when you can’t get to it. How many of you right now have no cash at all in your wallets or purses? I used to be the same way. I never had cash and relied on the ready availability of cash machines or most often the ability to pay for virtually everything with a debit card. How convenient is it to never have to make change or worry if you have enough cash when with the swipe of a card your bank account funds are at your disposal. This is a great technological advance, but the problem is that this requires two things to be functioning. First, the card readers and ATM machines require electricity. If the electricity is out, neither of these two machines works. The second thing is a network connection. If the network is down, even with electricity the transaction won’t work and you can’t pay for goods or get cash from your bank.

In a disaster, one of the first casualties is electricity. This doesn’t have to be due to some cosmic solar flare that has rendered the grid useless, it could be as destructive and common as a fire, flood, earthquake, tornado or winter storm. It could also be from simple vandalism or perhaps terrorism. A major fiber optic cable was cut in Arizona back in February leaving businesses without the ability to accept payments. When the electricity is out, you aren’t going to be able to access your cash via the normal means so having a supply on hand is going to be a huge advantage for you in the right circumstances.

Even if there is no natural disaster, you are still at the mercy of your bank. What if your bank closes or there is a bank holiday declared because of some economic crisis. In any of these situations, if you are dependent on access to money that is controlled by either technology or physical limitations like a bank office it is wise to have a backup plan should either of those two conditions prevent you from getting cash.

What is cash good for in a crisis?

I think there are two levels to consider when it comes to keeping cash on hand. There is the bug out scenario mentioned above where you would have some “walking around money” to take care of relatively minor needs like food, a hotel or gas. The second is for a longer or more widespread unavailability of funds. Let’s say the economy tanks and the price of everything skyrockets but stores are still open for business. Your bank is one of the casualties, but you had a few thousand dollars of cash stored away that you could use to purchase food, gas and necessary preparedness items for your family. In this scenario, the government is still backing the fiat currency and vendors are still accepting it as a form of payment. For this scenario having a few thousand dollars makes sense.

But what if we have an extreme event where the currency is devalued and is essentially worthless? Your thousands of dollars might only buy you a loaf of bread. Don’t believe it can happen? It did to the Weimar Republic after WWI so it can happen again. That isn’t to say it will, but you should balance how much money you have squirreled away under your mattress with supplies you can purchase now that will last and keep you alive during that same event. My goal is to make sure I have the basics I need to survive at home for several months to a year without needing to spend any cash. This way, if the money is worthless, I still have what my family needs to survive.

If we have a regional disaster where you can bug out to a safer location, your cash should serve you well. Of course if you are in a safer location, assuming electricity was working your access to bank funds should still be working. If this is truly the end of the world as we know it, how long will that cash you have be worth anything?

How much cash do you need?

So the million dollar question is how much cash should you have if the grid goes down? I always try to plan for the worst case scenario. My rationale is that if I am prepared for the end of the world as we know it, I should be just as prepared for any lesser disaster or crisis I may be faced with. The way I see it is if we do have a disaster, you aren’t going to be using that cash most likely to pay your mortgage, student loans, rent, or your credit card bills. Cash will go to life saving supplies and this will need to be used in the earliest hours of any crisis before all of the goods are gone or the cash is worthless. Once people realize for example that the government has been temporarily destroyed, they aren’t going to want to take your $500 for a tank of gas. They are going to want guns, food or bullets.

I also don’t see you using your cash to buy passage to another country, but that’s just me. I know there is a historical precedent for that, but I am not planning on that being something I realistically attempt with my family. I am also not planning on bribing any officials with cash either. My cash is for last-minute necessities and then it is back into the hopefully safe confines of my home to plan the next steps. For that I have only a couple of thousand dollars in cash stored away. I figure if I need more than that I didn’t plan well. Also, I would rather spend my money on supplies like long-term storable food and equipment than having a large horde of cash. With that amount, I figure I can make one last run if needed or be able to weather any short-term emergency when I can’t access cash.

What is the best place to hide cash in your home?

I wrote a post awhile back titled, How to hide your money where the bankers won’t find it that had lots of good ideas for reasonably safe places you could store cash. As I said in that article, you do have risks involved with keeping cash in your house, but I think you have just the same, if not worse risks relying on banks to keep your money safe and give it back when you want it. There are a million places to hide cash, but you can get tricky and buy a fake shaving cream safe to store several hundred dollars in there. Just be careful you don’t throw that away. There are other options like wall clocks with a hidden compartment inside that might be less prone to getting tossed in the trash. Your imagination is really all that is needed for a good hiding place, but I would caution you that you don’t store cash in too many places or you could forget where you hid it. This happened to me when I had hidden some cash behind an item that I ended up giving to my daughter because I thought I didn’t need it anymore. Imagine my surprise when she came into the living room and said, “Dad, I found an envelope with a lot of money in it”. I gave her a twenty for a reward…

What about you? How much cash do you think you need to have on hand and what do you plan on spending it on if the grid goes down?

Satanic ritual abuse (SRA) is a stark reality for some children who are born into Illuminati bloodline families, or military families, or families with connections to mind control, or families with connections to the New World Order manipulators running the world today. Satanic ritual abuse seems to run in families, with each generation passing it along to the next.

Psychologists have known for a long time that every perpetrator is also a victim; what makes someone into a purveyor of aggression or violence is normally a deep wounding or trauma they experienced in the past. Satanic ritual abuse is also carried out against children who are kidnapped, then molded into slaves through the trauma of the abuse.

As sad and horrific as this subject is, it is central to an understanding of the worldwide conspiracy and the New World Order. What binds these criminal NWO manipulators together the most is not race, religion or family ties, but an adherence to Satanism, a willingness to invoke dark forces in ritual and an allowance to let those dark forces control their thoughts and actions – which results in all the pedophilia, war, manipulation and deception we see around us.

The Late Former FBI Chief Ted Gunderson Exposed Much Satanic Ritual Abuse

Ted Gunderson, who died in 2011, had a 27-year FBI career and claims he was in charge of 14 million people at one point. He began to investigate Satanic ritual abuse after he stumbled upon it in various cases. With decades of thorough investigation, Gunderson concluded that the world was ruled by a Satanic cult forming a powerful network and operating an international child trafficking and pedophilia ring. This included selling children into slavery and flying them to Washington DC to be used in sex orgies by politicians. With upwards of 100,000 kids missing every year in the US, Gunderson stated that the FBI was fully complicit in the coverup. On many occasions Gunderson stressed that this cult was composed of people of many professions – judges, athletes, law enforcement, celebrities, politicians, lawyers and more.

In many presentations such as this one, Gunderson presents proof of Satanic ritual abuse, including animal bones and satanic symbols in the dirt, and human sacrifice. The truth is that Satanists get a dark “high” from drinking the blood of their tortured victims, which contains emotional neurochemicals released into the blood at the time of their death. Former Satanic insiders such as Zachary King have also stated that these black magicians love raping young children because they can “steal their energy” during ritual sex. Some former mind control victims like Cathy O’Brien have even bravely stepped forward to publicly show the unspeakable horror of what they went through (vaginal mutilation at the hands of Satanist, psychological warfare specialist and NSA agent Michael Aquino). This is a ghastly topic, but if we want to stop it, we need to accept the reality that it operates all over the US and the world as an organized conspiracy.

The Story of Satanic Ritual Abuse Survivor Kathy Collins

There are many Satanic ritual abuse and mind control survivors who have come forward to tell their story, such as Brice Taylor, Cisco Wheeler, Arizona Wilder, Svali and Cathy O’Brien, to name just a few. However, the purpose of this article is to show that, although Satanic ritual abuse is a very real phenomenon, it can be healed. For proof of this, we turn to Kathy Collins, who was interviewed by Bill Ryan (Project Avalon) a few months ago.

What makes Kathy’s story so remarkable is that she underwent horrible experiences that would cause massive trauma in almost anyone. This included being brought, as a child, into Project Monarch, a sub-project of the MK Ultra CIA mind control program. She was also brought to places like Bohemian Grove. At a young age, Kathy was carted away in potato sacks by her father, went through a Satanic initiation ritual at age 3 (being forced to drink blood), suffered sexual abuse (from both men and women), was made into child prostitute and was experimented upon with drugs, electroshock and strobe lights. She recalls being at Bohemian Grove at age 5, tied naked to a stone altar, surrounded by 3 hooded figures who were trying to steal her soul but who were saying “we can’t break her”. Kathy was forced to watch a child sacrifice at Bohemian Grove, and in the end, only got out of the mind control and abuse because her father died.

(Incidentally, Kathy also recalls being hunted like an animal at Bohemian Grove. Cathy O’Brien has also alluded to this. Both were given a short amount of time to run and hide before being followed by huntsmen with guns. It seems that the 1924 story entitled The Most Dangerous Game was not fiction.)

Healing the Deep Trauma and Pain from Satanic Ritual Abuse

So how on earth did Kathy manage to heal herself after going through such harrowing ordeals? She realized she was thinking, identifying and acting like a victim. Although this is natural, it is an energetic truth of life that we create the kind of reality that we broadcast out to the Universe. Often we re-create the familiar. Identifying as a victim means subconsciously recreating trauma, even though we don’t consciously want to. This is because trauma victims have learnt to create serotonin through trauma and drama, and we need serotonin to live. For Kathy, the path to healing was to learn how to get serotonin in ways which were not traumatic (in her case sunsets and butterflies).

Kathy emphasizes that healing trauma is not about getting to a particular place. It is not goal-oriented or linear. Evolution is cyclical. Instead of being impatient to achieve “full healing”, whatever you define that as, she recommends that you learn techniques to deal with suppressed memories as they arise. For Kathy, it’s about mastering the moment, mastering your reaction as old memories arise, making pain a friend, seeing it as a messenger and attempting to understand what it is trying to tell you. Denying it only makes it continue. Also, for healing, a sense of humor is essential. There are many people who have healed serious disease like cancer through laughter. Additionally, it’s about listening to your body, which may feel something (e.g. fear or pain) before the mind knows it; in this way the body can teach the mind.

Ultimately, Kathy explains, a shift will happen when you take responsibility for your own actions. Transformation occurs when you move into forgiveness, i.e. looking back at the past without any judgement attached to it. You will always remember what happened – but you may be able to do so in a more detached manner, without any emotional charge attached to the memory. After many years of working through the issues, Kathy has actually gotten to the point where she sees the abuse as a gift. Why? Because it enabled her to grow, and to know how truly powerful and divine she was – and how truly powerful and divine everyone is. In this way, the scenario is like the comic story of a superhero who needed a challenge or a bad guy to know how strong and courageous he or she was.

There is no more empowering way to face the entire New World Order conspiracy than to see it as a challenge to prompt all of us into becoming better people.

Kathy’s Story is a Message of Hope for All Victims of Abuse

Kathy’s story is an inspiration not just for those who recovering from mind control, or coming out of Satanic ritual abuse, but for all victims of abuse, and for everyone who has suffered some degree of trauma. If you think about it, there’s probably not a single person alive on the face of the earth who has not felt like they have lost part of their soul, enthusiasm or creativity due some past emotional hurt, wound or trauma. We’ve all been through situations that have dimmed our spirit’s brightness. Indeed, most of us have been carrying it around for decades without ever managing to heal it.

The truth is that it is possible to reclaim your full humanity even if you have been through dark trauma. We can make our past into pain or power, depending on what we choose in the present. If you are a Satanic ritual abuse victim, you are not alone; there are many people out there who have gone through it and who can help you with it, if you reach out to them.

According to heritage.org– The Soviet Union fell in 1991, and with it fell the shadow of global communism. But while Americans breathed a collective sigh of relief at the thought of communism’s demise, a new conspiracy developed at home. Hiding behind a veil of “progressivism,” today’s communists have infiltrated many of the institutions that Americans cherish and use their newfound power to control and regulate the actions of everyday Americans.

Communism is frequently used as a synonym for socialism and the exact differences between the two are heavily debated. One difference is that communism provides everyone in the country with an equal share, rather than the equitable share promised by socialism. Communism is commonly summarized by the Karl Marx slogan, “From each according to his ability, to each according to his needs,” and was believed by Marx to be the step beyond socialism. Individual private ownership is illegal in most communist countries.

I once had a favorite meme I would push out as kind of a tongue-in-cheek that said “When exposing a crime is treated as committing a crime, you are ruled by criminals”. Seemed pretty funny at the time.

Today, not so funny. In fact, what we are experiencing is very real.

Let’s take a look at the definition of tyranny according to legaldictionary.net:

1. An oppressive or severe form of government
2. An unrestrained use of authority or power
3. A state ruled by, or government of, an absolute ruler
4. Excessive severity
5. Cruel and unfair treatment by someone in authority

What we lack in the world, not just the United States, is a system of checks and balances. Governments are out of control as they care very little about the laws they have established unless it relates to you the citizen, and they certainly give complete disregard for the voting system as we are finding out they have been manipulating the outcomes to meet their agenda for quite some time.

Our rights to free speech are all but gone and our ability to assemble peacefully is now seen as extremism. Think about it for a minute, when Patriots assemble to voice their concern, they have to worry that either the assembly will be infiltrated by people seeking to create a negative image of them, or those same people causing violence, thus putting Patriots front and center as targets by their own government.

By now, if you haven’t been vaccinated for Covid, then you know that the vaccine is much more dangerous than the virus. In fact, if you know anything about anything they put in vaccines today, then you know that Covid was just an excuse for ushering in communism in America, and a depopulation scheme that’s got 150 million people set up like bowling pins, getting ready for the “big knockdown.”

Most important to realize, and it’s not too late for the unvaccinated, is that the spread of fear of Covid was needed to establish government authority initially, that way they could further violate our constitutional rights and order us around — to wear masks all day, social distance, shut down our businesses and only buy products from huge corporations that fund the fake war on Covid-19.

It’s a fake war, and “they” (Democrats, CCP and Globalists running DC) want your support.

You see, governments all prefer populace support for a war, whether it’s a kinetic war, a fake war on “terror,” or a fake war against a “killer virus.” The irony of it all is that this time the enemy isn’t foreign at all; in fact, it’s every American.

There’s always a cover for the real insidious agenda. There has to be for everyone to buy in. Of course, 9/11 was cover for Halliburton’s embezzling of $5 billion and the constitution-and-privacy-crippling Patriot Act. The War in Afghanistan was cover for the US takeover of the opium trade for the heroin-based epidemic of highly-addictive, health-destroying prescription painkillers.

Now, Covid-19 and the Delta Variant are cover for a communist takeover of America and the depopulation/ sterilization campaign that can wipe out at least 50 percent of the US populace with one “booster” shot. Call it the “kill switch.”

10 Steps to Tyranny

1. Create a new human disease (virus) that kills off the weak and immune-compromised (complete).
2. Spread Covid-19 around the planet (complete).
3. Create “vaccines” for that virus that cause blood clots and life-threatening myocarditis (complete).
4. Spread so much fear about Covid that at least 70 percent of the planet (or at least the USA) gets inoculated (only at 50 percent now).
5. Spread fear-mongering propaganda of a new “variant” (called Delta) that’s even “more deadly” and “more contagious” than the original virus (just begun).
6. Blame all vaccine injuries and deaths on the new “Delta Variant” (just beginning).
7. Require every vaccinated person to get their “Delta Variant” inoculation, which either instructs the recipient’s cells to produce billions of toxic protein prions that drive the patient insane and cause heart failure, or the vaccine contains the ultimate “payload” of virus-mimicking pathogenic proteins that overdose the recipients’ immune systems, killing them.
8. A new mass event “occurs” that cripples all communication between the populace, and the Chinese Communists start “herding” in from our southern border.
9. Another mass shooting event “occurs” that’s made to look like a Trump supporter who is “anti-vaccine” and right-wing extreme.
10. All guns are confiscated from all remaining, unvaccinated Americans and the Republic is lost.

Communism and depopulation in America come under the guise of being “patriotic” and accepting your own vax-termination out of fear of Covid-19 and its variants

Getting vaccinated to death is considered “patriotic” because the country is being run by communists right now, who want to eliminate at least 3/4ths of Americans using domestic bio-terrorism (deadly vaccines) and move a billion Chinese here from China.

Just as Hitler used propaganda to sell his motives as helpful for society and Germany’s economy, the CDC and CCP are “selling” everyone on vaccines, masks, social distancing and lockdowns, in an effort to end America as we know it. That’s why Joe Biden just told everybody that Americans getting vaccinated is the most patriotic thing you can do.