Category Archives: MONEY / INCOME

Budgeting and finances. Gainful projects– what can you do to make ends meet. Pick up cans along the road, make things for sale – although sewing clothing ect would mostly go under that heading BUT the marketing of the product would go here. Main and side jobs would go here- as an example medical procedures would go under MEDICAL but the practice of healthcare would go here.

No sew mask

NO-SEW MASKS

Are you hearing the recommendations to wear a mask when you go out, but you have no idea where to get one? If you sew, you can make your own, but what if you don’t sew?

Here is a super easy one that is adjustable to any size and you can use what you have at home already and takes less than 5 minutes.

Start with a piece of fabric (old t-shirt, old shirt, pillowcase, large handkerchief, whatever) and cut it to about 12” by 22”. Don’t worry about the raw edges because you can just fold them to the middle.

Fold it into thirds lengthwise.

Slide a large rubber band on each end – about a quarter of the way in.

Fold over the ends at the rubber band to meet somewhere near the middle. The amount of fold will determine the size of the mask. Play with the fold until you get the right size for your face.

Slip the rubber bands over your ears and you are all set.

You can make several and just throw them in the washing machine after you use them.

If you have a sewing machine, you can sew the raw edges, so it doesn’t unravel in the wash. If you have pinking shears, you can pink the edges. If you can’t do either of those, just fold the edges in.

Just for fun, try funky colors and prints.

OR, if you are feeling playful, take a magic marker and draw a smile or a mustache or a zipper on it.

These don’t replace hand washing, social distancing and all the other recommendations.

Share with your friends and family. Even young children can make these for themselves.

If you make some, post a picture of you wearing it. I’d love to see it.

Stay safe and stay healthy.

Feel free to call me if you have any questions.

You can call my direct line at 414-588-6909 or send me an email to jan@castlesandcruises.com and let me know the best way to assist you.

Best to you,

Janice Czaplewski
jan@castlesandcruises.com
Castles and Cruises, LLC

No photo description available.
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Image may contain: one or more people  lol  this IS how she sent it so that the germs fall off her.
 Well, here’s an improvement already from someone. go to the hardware store and buy a HEPA furnace filter. Take it apart and cut out pieces to insert between the layers. You can wash the HEPA filter in a solution of water with 10% bleach and then air dry them for reuse.

prepping how?

When we prep how do we do it?

One person that I know decided that he ‘deserved’ to have ALL gourmet, freeze dried foods in his food storage program. He had enough ‘servings’ to last him 2 years. It cost him a LOT and when I added up the actual calorie count only gave him enough food for less than a year. He did not want to store any corn, beans, rice nor oatmeal as he considered that peasant food… he also refused to put in a garden as he was not going to slave in it. He also refused to get a part time job while he complained about how much he “needed’ more money to pay for his hobbies. BTW I am not bashing freeze dried foods in general as they are nice to have and can fill in what is lacking in a basic or expanded food storage program. Nothing replaces fresh foods though for taste and nutrition as well as sustainability as stored food eventually runs out unless you have a way of production. By now you should have decided what you are going to plant in your garden this year.

Focus first on the actual NEEDS that you have, then the nice to have only then maybe the luxuries.

OK, what prompted this post?

Well I was going through some old stuff and came across the following and thought that it would be a good thing for us to ponder.

A group of graduates, well established in their careers, were talking at a reunion and decided to go visit their old university professor, now retired.
During their visit, the conversation turned to complaints about stress in their work and lives.  Offering his guests hot chocolate, the professor went into the kitchen and returned with a large pot of hot chocolate and an assortment of cups – porcelain, glass, crystal, some plain looking, some expensive, some exquisite – telling them to help themselves to the hot chocolate.
 
When they all had a cup of hot chocolate in hand, the professor said:
“Notice that all the nice looking, expensive cups were taken, leaving behind the plain and cheap ones.  While it is normal for you to want only the best for yourselves, that is the source of your problems and stress.  The cup that you’re drinking from adds nothing to the quality of the hot chocolate.  In most cases it is just more expensive and in some cases even hides what we drink.  What all of you really wanted was hot chocolate, not the cup; but you consciously went for the best cups…  And then you began eyeing each other’s cups.
 
Now consider this: Life is the hot chocolate; your job, money and position in society are the cups.  They are just tools to hold and contain life.  The cup you have does not define, nor change the quality of life you have.
Sometimes, by concentrating only on the cup, we fail to enjoy the hot chocolate God has provided us.  God makes the hot chocolate, man chooses the cups. 

The happiest people don’t have the best of everything.  They just make the best of everything that they have. 
Live simply.
Love generously.  Care deeply.  Speak kindly. 

And enjoy your hot chocolate

Cross ref

http://www.preparesurvivethrive.us/comms-part-1/

http://www.preparesurvivethrive.us/convalescent-care/
and some books that explore the topics in more depth
http://www.preparesurvivethrive.us/ready-or-not-things-will-happen/ This is book 1 the quick start guide to preparedness.

http://www.preparesurvivethrive.us/ready-or-not-fun-things-will-happen/ This is book 2 about traveling and evacuation planning.

http://www.preparesurvivethrive.us

Sponsor of the day www.castlesandcruises.com

SCOTUS ruling

My commentary– I am pleased about this ruling and EVERYONE else should be too! This has been a long time coming! At the same time I am floored that the ruling was 9-0 !!! Justice Ginsberg wrote that main opinion of the court. She did a great job! Also I am thankful that she appears to be feeling better after her recent surgery. Story follows-

The Supreme Court Just Struck a Huge, Unanimous Blow Against Policing for Profit
By Mark Joseph Stern
Feb 20, 20191:40 PM
Supreme Court Associate Justice Ruth Bader Ginsburg poses with fellow justices during their official group photo at the Supreme Court on Nov. 30 in Washington,
Jabin Botsford/the Washington Post via Getty Images

The Supreme Court struck an extraordinary blow for criminal justice reform on Wednesday, placing real limitations on policing for profit across the country. Its unanimous decision for the first time prohibits all 50 states from imposing excessive fines, including the seizure of property, on people accused or convicted of a crime. Rarely does the court hand down a ruling of such constitutional magnitude—and seldom do all nine justices agree to restrict the power that police and prosecutors exert over individuals. The landmark decision represents a broad agreement on the Supreme Court that law enforcement’s legalized theft has gone too far.
Wednesday’s ruling in Timbs v. Indiana, authored by Justice Ruth Bader Ginsburg, is sharp and concise. It revolves around a single question of extraordinary importance. The Eighth Amendment guarantees that no “excessive fines” may be “imposed,” an ancient right enshrined in the Magna Carta and enthusiastically adopted by the Framers. But the Bill of Rights originally applied only to the federal government, not the states. After the Civil War, the 14th Amendment was ratified to apply these rights to the states, which had engaged in grotesque civil rights violations to perpetuate slavery. The Supreme Court, however, slowly applied (or “incorporated”) these rights against the states one by one, not all at once. And before Timbs, it had never incorporated the Excessive Fines Clause—allowing states to exploit their residents for huge sums of cash and property.

They did so through civil asset forfeiture, a process that we would call theft in any other context. Here’s how it works: Prosecutors accuse an individual of a crime, then seize assets that have some tenuous connection to the alleged offense. The individual need not be convicted or even charged with an actual crime, and her assets are seized through a civil proceeding, which lacks the due process safeguards of a criminal trial. Law enforcement can seize money or property, including one’s home, business, or vehicle. It gets to keep the profits, creating a perverse incentive that encourages police abuses. Because the standards are so loose, people with little to no involvement in criminal activity often get caught up in civil asset forfeiture. For instance, South Carolina police tried to seize an elderly woman’s home because drug deals occurred on the property—even though she had no connection to the crimes and tried to stop them. Tyson Timbs is not quite so sympathetic, but his story illustrates the injustice of limitless forfeiture. In 2015, Timbs was charged with selling heroin to undercover officers in Indiana. He pleaded guilty. A trial court sentenced him to a year of house arrest, five years’ probation, and an addiction-treatment program, which helped him overcome his opioid addiction. The court also ordered Timbs to pay $1,203 in fines and fees. So far, so fair.
Prepare for a flood of litigation urging federal courts to determine when civil asset forfeiture crosses this constitutional line.
But then Indiana hired a private law firm to seize Timbs’ Land Rover, which he used to transport heroin. The firm filed a civil suit to obtain the car, valued at $42,000—more than four times the maximum fine for his drug conviction. (Under Indiana law, the state and its chosen firm would get to split the profits.) Timbs fought back, alleging that the forfeiture constituted an “excessive fine” under the Eighth Amendment, applied to the states through the 14th Amendment. The Indiana Supreme Court disagreed, holding that SCOTUS had never incorporated that particular clause against the states.
At oral arguments in November, multiple justices seemed incredulous that Indiana even raised that argument. “Here we are in 2018, still litigating incorporation of the Bill of Rights,” Justice Neil Gorsuch scoffed to Indiana Solicitor General Thomas Fisher. “Really? Come on, General.” And on Wednesday, every justice agreed that the 14th Amendment applies the guarantee against excessive fines to the states. In her majority opinion, Ginsburg traced the right back to the Magna Carta through the English Bill of Rights and the Virginia Declaration of Rights, all of which heavily influenced the U.S. Constitution. By the time the 14th Amendment was ratified, 35 of the 37 states explicitly barred excessive fines. And during debate over ratification, congressmen noted that Southern states were using punitive fines to subjugate newly freed blacks. The framers of the 14th Amendment plainly intended to incorporate the Excessive Fines Clause to rein in these “harsh inflictions … almost reenacting slavery.”
“In short,” Ginsburg wrote, surveying this evidence, “the historical and logical case for concluding that the Fourteenth Amendment incorporates the Excessive Fines Clause is overwhelming.” She also swatted down Indiana’s fallback argument that the clause does not apply to proceedings over an individual’s property, holding that these forfeitures still qualify as “fines” that trigger constitutional scrutiny. Gorsuch and Justice Clarence Thomas wrote separately to quibble with a doctrinal matter: They argued that the Privileges or Immunities Clause is the proper vehicle through which to incorporate the Bill of Rights—not the Due Process Clause, as is generally accepted. This cavil has no bearing on the outcome of the case.

In one sense, Ginsburg’s opinion is sweeping—it finally opens the federal courthouse door to victims of civil asset forfeiture, like Timbs, who believe they’ve been wronged. But Wednesday’s decision leaves some questions unanswered. The court has already ruled that when the federal government seizes money or property, the fine must not be “grossly disproportional to the gravity of [the] offense.” Presumably, this same standard now applies to the states. But when is a forfeiture grossly disproportionate? Does Indiana’s seizure of Timbs’ Land Rover meet this standard? Ginsburg didn’t say, instead directing the Indiana Supreme Court to evaluate the question. Prepare for a flood of litigation urging federal courts to determine when civil asset forfeiture crosses this constitutional line.
There is, regardless, a great deal to celebrate in Timbs v. Indiana. At long last, SCOTUS has put a federal check on states’ multimillion-dollar civil asset forfeiture schemes. People like Tyson Timbs will have a fighting chance of getting their stuff back when the states seize it for profit. The Supreme Court is unlikely to end policing for profit in one fell swoop. But on Wednesday, it sent a clear message to states like Indiana that the days of largely unregulated abusive forfeiture are over.
This article was found at https://slate.com/news-and-politics/2019/02/supreme-court-rules-against-civil-forfeitures-rbg-timbs.html I removed the ads to save space – please go to the link to see all….

cross ref —

http://www.preparesurvivethrive.us/comms-part-1/

and some books that explore the topics in more depth
http://www.preparesurvivethrive.us/ready-or-not-things-will-happen/ This is book 1 the quick start guide to preparedness.

http://www.preparesurvivethrive.us/ready-or-not-fun-things-will-happen/ This is book 2 about traveling and evacuation planning.

Lights after Christmas

I wanted to get this quick TIMELY tip out to you today.

It’s a tip that I’ve suggested for the last several years on the day after Christmas that a lot of you have taken advantage of… If you’ve got the time, head to your local Home Depot, Lowes, Ace, Target, etc. and buy some LED Christmas lights on closeout.

Home Depot even has sets this year that are solar powered and come with a solar charger, Lithium Ion battery, a light sensor to turn them on automatically at dusk and a timer to turn them off 6 hours later! If you’ve got 120 volt emergency power, these are a great cheap way to keep your house lit during an emergency.

A great accompaniment is the SMALL 1 plug cigarette adapter inverters that you can buy from Wal-Mart and other stores so that you can power the lights with a 12 volt battery. And, if you want more adaptability, you can spend another $3 and get a battery harness that will hold 8 AA batteries (1.5vx8=12v) so you can run your LED strings on AA batteries.

The model I like is from Radio Shack, has a 9v type connector, and works like a charm. As you’re searching, you might want to look for these features: -strings of lights rather than “icicle” lights -a female plug at the end so you can run multiple sets in series -wired so that the set will still work if a bulb goes out -LED -can be saved for next year or used as emergency lighting OR as night security lighting :]

Now is a great time to get wrapping paper on clearance, last year my daughter stocked up for $0.25 on the dollar which made this year’s WAY cheaper. ;]

If you’ve got any other after-Christmas prepper deals that you’re finding, please share them with us.

Repurposing Prescription Bottles

Re-purposing Prescription Bottles

If you know anyone who get lots of prescriptions, usually grandparents, then they will have quite a few empty bottles around the house. Instead of putting these in the trash you can re purpose them and they come in all kind of sizes and shapes. After they are empty, take the label off, if you have trouble getting the sticky off of the bottle where the label was you can try a solution called “Goo Gone Sticker and Label Remover” or you can make your own. The 2 main ingredients are oil and a mild abrasive. Any cooking oil will do, place a small amount on the label. Then put a mild abrasive such as Borax onto the oil and make small circles on the label until the label comes completely off. Then wash and rinse as usual. You will need to make sure the bottle is really dry before putting anything into it so let it air dry upside down for about 3 to 4 days depending on how humid your house air is. When you put things into the bottles you can either leave them open or put the top back onto it whichever way you are using them.

• In the bathroom you can place a number of these in a flat bottom bowl or short box and use them to place small items like hair ties, combs, scissors, toothbrushes, cotton balls, Q-tips, makeup, etc.

• In a junk drawer you can put paper clips, rubber bands, memory sticks, pens, pencils, erasers, batteries, coins, matches, push pins, etc. Loose batteries are a BIG fire hazard when they short circuit.

• In the kitchen try putting your decorating tips, matches, birthday candles, etc.

• In your backpack try putting cotton balls with Vaseline on them, small tinder, matches, sewing kit, buttons, nails, screws, and first aid supplies, etc.

• In your tool kit you can even use them for nails, screws, small parts, wire, etc.

• In a craft room there are so many things you can put in them including beads, buttons, wire, small tools, glue sticks, paint that you are currently using, glitter, embellishments, etc.

• For a teacher use a small bottle to put painters tape around sticky side out and then put that into a larger bottle to keep it from sticking to everything else.

• If you make a salve or lip gloss you can put them in these bottles.

Pretty much anything that you would like to keep dry or together so you can find it can be placed in used prescription bottles. This can keep aggravation down when trying to find things and also cost down instead of purchasing something special for keeping these items together.

This is what I can think of. What items can you add to this?

Please email and add to this blog. http://www.preparesurvivethrive.us/

FREE books

Free books this weekend

Got this e-mail from one of my favorite authors. So this applies to August 21st through August 24th 2015. I really enjoyed the time travel books and so did my grandkids. I am SOOooo looking forward to the sequels! Janice Czaplewski also has several other books out on engineering, crafts and one on surviving divorce. If the one on divorce had been available, way back when, I would have used it will some of my counseling clients…… YES, it is that good!

### Copy of the e-mail follows.

I put the time travel books up for free on Kindle from tomorrow through Monday.

http://www.preparesurvivethrive.us/a-time-for-travel-the-christmas-project-2/

http://www.preparesurvivethrive.us/a-time-for-travel-the-summer-project-2/

Bartering bikes

We have a guy in the neighborhood that purchases used bicycles fixes them up and then sells them. With the price of gas and with the economy not being so good he has really started having trouble keeping bikes around. He said that people who are on fixed income or that don’t have much money are starting to come to him more often to get bikes as their only mode of transportation. He lives in the lower income section of town so he is right in the middle of the people who are having the most trouble.

On the other hand we had one bike that we weren’t using any more, along with 2 bikes that the grandkids had outgrown and 1 bike that needed work on that we did not know how to do. So the question was what do we do? Try and sell our bikes in a garage sale? Put an ad in the paper? And then after we sold them, if we could, we would have to find other bikes that the grandkids could ride now. That would mean looking through the paper for used bikes their size or coming up with the money for new bikes both of which take time.

The solution we came up with was taking all of them [total of 4] over to his place and negotiated trading them in for 3 bikes that were usable for the grandkids to ride and was in workable order. Bartering is a good way to get rid of what you don’t need any more and getting what you do need. We ended up not paying anything in the process and we got what we needed and he got more bikes to sell.

So a couple of the take away on this is that you can trade for things that really do not need to be new, thus saving money and that you can take a skill such as working on bikes and turn it into money.

Earning a living AMMO

Earning a living AMMO

Manufacture and reloading ammunition, you can do either ‘standard’ loads or the loads can be very customized. There are big factory operations to smaller “Mom & Pop” concerns. Both type of set ups can turn out high quality products.
Today we will focus on the smaller Mom and Pop type groups. This last weekend I had a chance to deal with 2 such organizations. I was pleasantly impressed with both of them.

1. John and Cindy Taylor of www.taylorammocompany.com are based in Wyoming. I have shot some of their ammo and it was a pleasure to do so. John is Retired USMC . The prices were very acceptable. I am comfortable in recommending them.

2. Bob and Laura Stahl of www.Coloradocustomcartridges.com are based in Colorado. I have not fired any of their products yet. I did have them work up a price for an old rifle / revolver combination that a friend has. The cartridge is out of production as far as I can tell. The price quote per box of 50 down sized rounds from another caliber with soft lead cast bullets was great. They would not be on this list unless I can recommend them.

Some of the advantages that I can see for making a living doing what they do include
A. Flexible hours so they can attend shows, kids / grandkids activities or doctor’s appointments.
B. Can’t sleep at night? Not a real issue, get up and work, then sleep in the next day if you need to.
C. Ready for a vacation? Make the arrangements and go. Combine that with going to shows.
D. There is ALWAYS a demand for ammo, until it gets banned and then there will be even more demand for it.
E. Attractive tax benefits to having a business == discuss this with your accountant.

You don’t have an accountant? We can highly recommend McGee Hearne & Paiz LLP 307-634-2151 or 307-637-2617 are their Cheyenne Wyoming phone numbers according to the June 2014 DEXKNOWS.com phone book. Even if you don’t live in nor near Cheyenne they have contacts all over and can refer you to a good accountant.

For the hobbyist reloader check out any of the books put out by the NRA or take a class on reloading. I am sure that either of the 2 listed above can direct you to the books they use.

As with any business venture you should consult your management team [lawyer, accountant and insurance agent] for their advice on the actual nuts and bolts of things. We are only sparking discussion.

Please comment in the comment section so that everyone can learn. To start a new topic you could use the contact us form on our main page at www.PrepareSurviveThrive.US or send an e-mail to Office@PrepareSurviveThrive.US

Locked out

Recently we were at a trade show promoting our books. It was early Saturday morning while everyone was opening up for the day. Brett from the Farmer’s Daughter LLC – http://www.preparesurvivethrive.us/farmers-daughter/ – had gone looking for change I believe is what he said, when he came to this one vender who had forgotten the keys to their money box. Well Brett being Brett he started going around to all the other venders to see if anyone had a key that would fit. No, we didn’t have a key that would fit.

The options discussed were that they could drive home and get the keys.. a 3 hour round trip which would been less fun than Gilligan’s Island. Destroy the box. Drive into town and hit an ATM $300 daily limit -20 miles- or just pack up and go home. None of those options were appealing to any of us.

It took about 10 minutes to get the moneybox open for them AND that included making the tools to do the job. So there was a happy ending. Oh, did I mention that we did have a locksmith at our table ;].

***Here is the take away from this. ***

They had BOTH keys to the lock box on the same keyring which is how it came from the store and had left them on the desk at home. This is normal, common behavior BTW. If you are married each of you should have a key on your key ring. If you are by yourself then you should have the backup set of keys somewhere safe that you can get to on your expedition. I carry 2 sets of car keys on me and my wife does too. Spare keys are cheaper and easier than being locked out.

When going on a trip especially out of town, fill out a load list – an example of this is in http://www.preparesurvivethrive.us/ready-or-not-fun-things-will-happen/ or you can write out a list and check it twice when you travel.

Skills – some skills are easy and quick to learn, others take a long time to learn, develop and maintain with constant practice. Examples of the more difficult skills include locksmithing and healthcare. This story was a good example of the locksmith being able to build the needed tools on need.

Our Store

We are opening up ‘Our Store’ on www.preparesurvivethrive.us and the items will be listed under the “Categories” on the right hand side of our site toward the bottom. Subscribers will of course receive a notice as with any other posting of a new listing BUT after that people will have to actively search for the store items. We are doing it this way so as to NOT have it so much in your face merchandizing like some sites we have all seen.

As with other affiliate programs we get a small commission off of the transaction yet at the same time it will NOT cost you any more than if you had gone directly to the Amazon [or whatever] site. We believe that this creates a win – win situation for all of us.
As with everything else about our site we look forward to reading your feedback on stuff.

If you would like to order an autographed copy of any of the books that members of our group have authored feel free to contact us via the ‘contact us’ form on the main page OR e-mailing office@preparesurvivethrive.com and arrangements can be made to get it to you.

Here are links to most of the books.
http://www.preparesurvivethrive.us/ready-or-not-things-will-happen/ This is book 1 the quick start guide to preparedness.

http://www.preparesurvivethrive.us/ready-or-not-fun-things-will-happen/ This is book 2 about traveling and evacuation planning.

http://www.preparesurvivethrive.us/managers-guide-to-cost-reduction/
http://www.preparesurvivethrive.us/cost-containment-workbook/

http://www.preparesurvivethrive.us/and-then-there-was-one-a-funny-guide-to-surviving-divorce/ I wish that this book had been available back in the days when we were doing general psych and counseling. Yes, you can consider that a professional endorsement of the book.

http://www.preparesurvivethrive.us/busy-kids-are-well-behaved-kids/ Most of us have kids and grandkids, this will help with dealing with them. I think that it would be good to have on hand to keep anyone productively busy.

http://www.preparesurvivethrive.us/a-time-for-travel-the-christmas-project-2/
This is the first book in a time travel series for kids…. ;] The series is referenced in the traveling and evacuation planning book above.

http://www.preparesurvivethrive.us/a-time-for-travel-the-summer-project-2/
This is book 2 of the time travel series. The release date of book 3 has not been announced yet.