The Church of Jesus Christ of Latter-day Saints' Provident Living Website has a form for ordering food from the Church's Home Storage Centers. Generally, the centers are located in areas with a larger concentration of the Church's members. If you are interested in visiting a center, you can contact a member of the Church and ask them to accompany you to a local center.
Although you may not be located near to a Home Storage Center, the form itself provides a way to compare prices and to see what foods can safely be stored for extended periods of time. The Provident Living Website also provides valuable help in all areas of preparedness, not just food storage.
The members of the Church believe that a cardinal principle of the gospel is to prepare for the day of scarcity. Work, industry, frugality are part of the royal order of life. Remember these words from Paul: “If any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel.” (As quoted from Keith B. McMullin, “Lay Up in Store,” Ensign, May 2007, 51–53)
Tuesday, March 31, 2009
Sunday, March 29, 2009
Education Pays
There is a inverse relationship between the unemployment rate in 2008 and a person's level of education. A graph from the Bureau of Labor Statistics shows annual average for the unemployment rate for people with doctoral degrees was only 2%, while those with less than a high school diploma were at 9%. If you need any more incentive for staying in school, the same graph shows the median weekly earnings in 2008 for those with a doctoral degree was $1,555 while those with less than a high school education earned only $426 a week. That means half of all the people in the U.S. with less than a high school degree earn less than $426 a week. Those people with professional degrees made less but had a lower unemployment rate.
The Bureau of Labor Statistics also reported another monthly increase throughout the U.S. in unemployment. The national unemployment rate rose from 7.6 percent in January to 8.1 percent in February, which was 3.3 percentage points higher than a year earlier. The only state to increase employment was Louisiana. However, Michigan has a jobless rate of 12%.
Despite the clear message that staying in school or going back can pay significant dividends, this rule may not always be the case. In looking at the Occupational Outlook Handbook, out of the top twenty jobs expected to have the greatest increases in numbers over the next seven years, only four of the twenty involved a graduate or professional degree.
The Bureau of Labor Statistics also reported another monthly increase throughout the U.S. in unemployment. The national unemployment rate rose from 7.6 percent in January to 8.1 percent in February, which was 3.3 percentage points higher than a year earlier. The only state to increase employment was Louisiana. However, Michigan has a jobless rate of 12%.
Despite the clear message that staying in school or going back can pay significant dividends, this rule may not always be the case. In looking at the Occupational Outlook Handbook, out of the top twenty jobs expected to have the greatest increases in numbers over the next seven years, only four of the twenty involved a graduate or professional degree.
Friday, March 27, 2009
Life is like a journey in a wagon
In the pioneer days, my ancestors traveled long distances, across the continent and from Utah to Arizona, in horse or ox drawn wagons. These pioneers had to make hard decisions about what to take with them and what to leave behind. In a talk given on 13 November 1990, Ardeth G. Kapp said, "We read about the pioneers who, in the early history of the Church, left their possessions, "their things," and headed west. Those who were with the handcart company who would push or pull their carts into the wilderness would give much thought to what they would make room for in their wagons and what they would be willing to leave behind. Even after the journey began, some things had to be unloaded along the way for people to reach their destination."
She went on to say, "In our season of abundance and excess, even while we are counseled to reduce and simplify, there will be a high level of frustration until we understand the value of pruning. When someone asks the question, "How do you do it all?" our answer should be, "We don't." We must be willing to let go of many things but defend with our lives the essentials."
What if you had to leave tomorrow and all you could take with you had to fit in your car. What would you take and what would you leave? If there are things that you would leave, why do you keep them? If you fear the lose of things, then maybe things are more important to you than peace of mind and security. Preparation involves making decisions about what is really necessary and important and discarding the unneeded and the unnecessary.
She went on to say, "In our season of abundance and excess, even while we are counseled to reduce and simplify, there will be a high level of frustration until we understand the value of pruning. When someone asks the question, "How do you do it all?" our answer should be, "We don't." We must be willing to let go of many things but defend with our lives the essentials."
What if you had to leave tomorrow and all you could take with you had to fit in your car. What would you take and what would you leave? If there are things that you would leave, why do you keep them? If you fear the lose of things, then maybe things are more important to you than peace of mind and security. Preparation involves making decisions about what is really necessary and important and discarding the unneeded and the unnecessary.
Thursday, March 26, 2009
Riding out the storm
“Many more people could ride out the storm-tossed waves in their economic lives if they had their . . . supply of food . . . and were debt-free. Today we find that many have followed this counsel in reverse: they have at least a year’s supply of debt and are food-free.” President Thomas S. Monson, “That Noble Gift— Love at Home,” Church News, May 12, 2001, 7.
Being debt free and having a supply of food is good start, but one of the most important preparations we can make in the present hard times, is for the loss of our employment. Life has no guarantees except that it will end. We cannot assume that the job we now have will continue. Companies go out of business, government budgets are cut, partners disagree, the ways that employment can end are themselves endless.
What can we do to prepare for the loss of a job? Unfortunately, many people strongly identify their self worth with their employment. This is evident when people are asked to introduce themselves, in the great majority of times (especially men) define themselves by the type of work they do. Reference is repeatedly made to the fact that men who retire suffer more physical and mental illness than those who continue working. This is especially true for professionals, whose lives are wrapped up their work. Coping with the loss can be overwhelming.
The starting point for an assessment of our job capabilities is a realistic inventory of our actual job skills. It is also important to evaluate whether or not your particular skills are needed in the geographic area in which you are presently employed.
Although I have been employed as an attorney most of my life, I left the profession voluntarily for more than six years to work in computer businesses. I distinctly remember driving home from the law office one day, thinking about my skills and possible job opportunities and realizing that I didn't have to be a lawyer. I think that this realization never comes to those who make no effort to broaden their skills and interests. I am constantly reminded of this when I see friends spending months and months pursuing replacement employment with the exact same job description and in the exact same geographic area.
An important part of our preparedness is broadening our job skills and becoming more adaptable to changing times.
Being debt free and having a supply of food is good start, but one of the most important preparations we can make in the present hard times, is for the loss of our employment. Life has no guarantees except that it will end. We cannot assume that the job we now have will continue. Companies go out of business, government budgets are cut, partners disagree, the ways that employment can end are themselves endless.
What can we do to prepare for the loss of a job? Unfortunately, many people strongly identify their self worth with their employment. This is evident when people are asked to introduce themselves, in the great majority of times (especially men) define themselves by the type of work they do. Reference is repeatedly made to the fact that men who retire suffer more physical and mental illness than those who continue working. This is especially true for professionals, whose lives are wrapped up their work. Coping with the loss can be overwhelming.
The starting point for an assessment of our job capabilities is a realistic inventory of our actual job skills. It is also important to evaluate whether or not your particular skills are needed in the geographic area in which you are presently employed.
Although I have been employed as an attorney most of my life, I left the profession voluntarily for more than six years to work in computer businesses. I distinctly remember driving home from the law office one day, thinking about my skills and possible job opportunities and realizing that I didn't have to be a lawyer. I think that this realization never comes to those who make no effort to broaden their skills and interests. I am constantly reminded of this when I see friends spending months and months pursuing replacement employment with the exact same job description and in the exact same geographic area.
An important part of our preparedness is broadening our job skills and becoming more adaptable to changing times.
Tuesday, March 24, 2009
Short term vs. long term food storage
Most food products lose nutrients over time. Prepared foods come with a date stamped expiration, after which the manufacturer does not recommend use. Notwithstanding the date stamp, many foods will still be edible long after that date. The reason for following the guidelines, is that knowing which foods fall into the category of extended shelf life is very difficult to predict.
However, there is a whole category of foods that have tested to extra long shelf life. As quoted from the Provident Living Website, "While there is a decline in nutritional quality and taste over time, depending on the original quality of food and how it was processed, packaged, and stored, the studies show that even after being stored long-term, the food will help sustain life in an emergency."
Those foods that store well for as long as 30 years, so long as they are kept dry and free from pest infestation, are wheat, white rice, corn, sugar, pinto beans, rolled oats, pasta, potato flakes and apple slices. Both non-fat powdered milk and dehydrated carrots can last as long as 20 years. Some other staples that have a long shelf life include items like salt, baking soda, and Vitamin C.
Foods high in oil and vegetable oil itself may only last one or two years.
Short term storage works well with a system of rotation, putting the newly purchased items in the back in a first in-first out system of management. If you inventory your food supply and find items that are older and have not been consumed, you can draw the conclusion that your particular needs do not include that item.
In all food storage situations, local laws and ordinances concerning food should be observed. Although in the U.S. food storage is somewhat unusual, it is not bizarre or strange to have a adequate food supply for times of need or emergency.
However, there is a whole category of foods that have tested to extra long shelf life. As quoted from the Provident Living Website, "While there is a decline in nutritional quality and taste over time, depending on the original quality of food and how it was processed, packaged, and stored, the studies show that even after being stored long-term, the food will help sustain life in an emergency."
Those foods that store well for as long as 30 years, so long as they are kept dry and free from pest infestation, are wheat, white rice, corn, sugar, pinto beans, rolled oats, pasta, potato flakes and apple slices. Both non-fat powdered milk and dehydrated carrots can last as long as 20 years. Some other staples that have a long shelf life include items like salt, baking soda, and Vitamin C.
Foods high in oil and vegetable oil itself may only last one or two years.
Short term storage works well with a system of rotation, putting the newly purchased items in the back in a first in-first out system of management. If you inventory your food supply and find items that are older and have not been consumed, you can draw the conclusion that your particular needs do not include that item.
In all food storage situations, local laws and ordinances concerning food should be observed. Although in the U.S. food storage is somewhat unusual, it is not bizarre or strange to have a adequate food supply for times of need or emergency.
Monday, March 23, 2009
What a sacrifice!
A recent news article on the impact of the downturn in the economy quoted a young married woman as claiming that her concern about her job and her husband's job had her purchasing generic paper towels over a brand name. I was struck by this person's efforts to get back to the basics, regular no-name paper towels. What a sacrifice! But it did get me thinking about the impact our purchasing choices have on our own personal cost of living.
I really don't know whether the reporters who use this kind of example are serious or not. But look at the difference in cost between a generic or house brand of paper towels and the high end brand names and you will see significant differences in price per sheet or price per use, however you want to look at it. Underlying this concern about paper towels is another more serious issue. The notion that you have to use a consumable. A Swifter instead of a mop. A paper towel instead of a wash cloth. A disposable duster rather than a dust cloth.
Modern advertising has convinced the younger generation of middle class educated people that they can only be clean and sanitary if they use the "disposable" product instead of the germy old fashioned re-usable cloth. This attitude of disposable commodities permeates our society to such an extent that most people never even see the alternative, which in most cases is much less expensive (and has less of an environmental impact).
You may not spend much on paper products, but you could probably spend less. Using less expensive options is not so much an exercise in frugality as it is an exercise in realizing that paying to dust your home may not be the best overall solution. It is impossible to imagine how a person caught up in the spend to clean mode could understand the real issue of living providently. Next time there is a "spill" unlike the TV ads, try using a reusable wash cloth instead of a paper towel.
I really don't know whether the reporters who use this kind of example are serious or not. But look at the difference in cost between a generic or house brand of paper towels and the high end brand names and you will see significant differences in price per sheet or price per use, however you want to look at it. Underlying this concern about paper towels is another more serious issue. The notion that you have to use a consumable. A Swifter instead of a mop. A paper towel instead of a wash cloth. A disposable duster rather than a dust cloth.
Modern advertising has convinced the younger generation of middle class educated people that they can only be clean and sanitary if they use the "disposable" product instead of the germy old fashioned re-usable cloth. This attitude of disposable commodities permeates our society to such an extent that most people never even see the alternative, which in most cases is much less expensive (and has less of an environmental impact).
You may not spend much on paper products, but you could probably spend less. Using less expensive options is not so much an exercise in frugality as it is an exercise in realizing that paying to dust your home may not be the best overall solution. It is impossible to imagine how a person caught up in the spend to clean mode could understand the real issue of living providently. Next time there is a "spill" unlike the TV ads, try using a reusable wash cloth instead of a paper towel.
Friday, March 20, 2009
Learning to manage your money
Whatever your income level, you can always do a better job of managing the resources you have. Unless you are faced with a catastrophic loss due to injury, illness or death, how you manage your resources determines whether or not you survive or go into debt. Controlling your expenditures is definitely the first level of concern. but many people lose money through ignorance of their rights and knowing their options.
The U.S. Financial Literacy and Education Commission (the government has a commission for everything) has an extensive Website called "Mymoney." They have resources on budgeting and taxes, credit, financial planning, home ownership, paying for education, children, privacy, fraud, scams, responding to life events, retirement planning, saving and investing and starting a small business.
Education is the first step to enlightenment. Use the resources available to educate yourself as to the best ways to avoid debt and survive these hard times.
The U.S. Financial Literacy and Education Commission (the government has a commission for everything) has an extensive Website called "Mymoney." They have resources on budgeting and taxes, credit, financial planning, home ownership, paying for education, children, privacy, fraud, scams, responding to life events, retirement planning, saving and investing and starting a small business.
Education is the first step to enlightenment. Use the resources available to educate yourself as to the best ways to avoid debt and survive these hard times.
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