Episode Transcript
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Speaker 1 (00:01):
Good morning. This is Emma.
Speaker 2 (00:03):
Today is Friday, the twenty second. We are marching right along.
This is the end of the what we would call
our year. School has started for the new year, but
our official and my organization is September first. We're getting there.
And September this first this year is Labor Day, so
(00:25):
we will have a much needed holiday at that point,
because August is pretty crazy for us. Anyway, I thought
I talked today about what if you're prepare and nothing happens. Okay,
there are various people online, you know. I can only
(00:47):
know about the ones online because that's the only ones
I see that will tell you that. Like Bear Independence
says he's been preparing since Katrina, other people will say, well,
I was preparing. I've been preparing since Y two. K Well,
I was twenty five years ago. A Cold war prepper
(01:09):
who's actually in his seventies. He's been preparing since the
sixties for.
Speaker 1 (01:14):
A nuclear war, you know, and.
Speaker 2 (01:17):
Here it is sixty years later and we haven't had
one yet. Okay, Now I've said this before. One of
the things that concerns me most is we it is
now part of the mainstream conversation in a way that
it has never been before with the idea that if
(01:40):
it started, you could contain it and now everybody wouldn't
really die. Okay, you know that mutually assured destruction concept.
It's what kept us from doing this all this time,
and now we're appearing to back away from that, and
that's the part that's the that concerns me the most.
Speaker 1 (02:01):
So anyway, having said that, I you.
Speaker 2 (02:07):
Know, I technically have been preparing since COVID.
Speaker 1 (02:11):
Uh.
Speaker 2 (02:11):
In many ways I was. I grew up this way.
But in addition to that, you know, I lived at
least a reasonably modern lifestyle. Uh, we went to the Now,
I don't like to go to the grocery store. So
whereas when sister was in charge of going to the
grocery store, she went every day. That to me is
(02:32):
a fate worse than death. I go once a week,
and I don't plan to go more than once a week.
So if I didn't didn't get at that time, we'll
figure out how to deal do without it until I
can get back the next week.
Speaker 1 (02:46):
And this is Friday, which is grocery day.
Speaker 2 (02:50):
But then I stood in Walmart and I was used
to the you know, I storm or whatever. When we
knew whether it was the people would go in and
wipe out all the milk and bread so they could
make their every popular French toast or whatever they were
going to do that, But COVID was different. First of all,
(03:14):
we all left our office and went home to work.
That in itself was bizarre because the person we were
working for at the time, that is absolutely the last
possible thing she would have wanted to do. I cannot
describe to you how that went against her belief, because
(03:36):
in her mind, people were not working unless you were
personally standing over them watching them work, which is not
a good leadership style. But that's as you wrote. So
having to send an entire building full of people, several
hundred home to work was I'm sure something she never
(04:01):
ever envisioned a doing, and she never did. I mean
in her mind, I think she was convinced we were
just all at home goofing off, okay, which in reality
now where some people probably doing that, Yeah, that's possibility.
But I will say this, for those of us who
were actively working, we were exhausted. It was it was
(04:23):
way harder to work from home than it was to
work in the office, and there were a lot of
detriments to it as far as productivity, just from the
standpoint of when we're at the office, you know, we
pop into each other's offices, we have impromptued conversations. Well,
if you're at home, you can still have conversations via
(04:45):
the phone or chet groups or zoom or whatever, but
they have to be more intentional.
Speaker 1 (04:52):
You just don't pop on one. And so I much
prefer to in the office.
Speaker 2 (05:01):
Although I like working from home because I like having
that time, I didn't have to drive, you know.
Speaker 1 (05:06):
That kind of stuff.
Speaker 2 (05:07):
I can get up and throw it, a load of
laundry in the washing machine. You know, there's there's advantages
to working at home personally, but professionally, working together in
an office is much more productive. We're in the midst
of a construction project, and probably about December, half of
(05:29):
my or not half, maybe a third of my department's
gonna have to go somewhere else because our part of
the building is gonna be under construction and it's not
gonna take my whole department, is just gonna.
Speaker 1 (05:41):
Take part of the department.
Speaker 2 (05:42):
And then when that part of the construction is done,
that group will come back, and then another group will
have to vacate. Well, that that's gonna be hard. I'm
not really sure how we're gonna navigate that, but we're
working on it. Okay, back to the topic at hand
(06:03):
was what if you prepare nothing happens. Well, first of all,
that's a good thing because prepping is insurance, and we
all buy insurance. We buy car insurance, we buy house insurance,
we buy health insurance. We hope we don't ever have
to use it, but we buy it.
Speaker 1 (06:21):
Now.
Speaker 2 (06:22):
Health insurance we tend to use on a fairly regular basis,
even if we are reasonably healthy, for checkups and that
kind of thing. Regular stuff. Same thing with deal insurance.
You know, you get your teeth cleaned and all that
kind of thing. So that part is something that you
have this insurance, but you are also using it to
(06:46):
a certain extent. Now, obviously, the insurance companies price it
in such a way that they can make a profit
and you use it at the same time.
Speaker 1 (06:55):
That's one keeps going up.
Speaker 2 (06:59):
Insurance has been in the news quite a bit in
the last couple of years because a lot of the
big insurance all stay state, farm, berries and sundry kinds
of insurance, especially home insurance, is, Uh, they're taking a
(07:20):
hit because of all the storms. Because you know, like
for example, this last year, I had to fight with
my insurance company to get a roof and it took
almost a year to get it, and I had to
have it, you know, I had to have a roofer
come out look at it and he said, yes, you
have storm damage.
Speaker 1 (07:38):
And then the I had to have.
Speaker 2 (07:40):
The guy from the insurance company come out and he goes, hey,
you got some but you don't have much, so you're
not mean you're deductible to vancilzaid goodbye. Okay, So Rufer
comes back and says, yeah, you really do have storm damage.
You need to deal with this. So, you know, I appeal.
And so then they're supposed to get somebody who's a
(08:02):
uh kind of like a media a person in the
middle where you they they're not working for the insurance
company or me either one and they come and do it. Well,
he came and he looked at it, and he said, uh,
well he came, he looked at it, and then we
didn't hear from him forever.
Speaker 1 (08:23):
And uh.
Speaker 2 (08:27):
In the meantime, there were all those hurricanes over on
the East coast in Florida, yet uh could you had
Helene and you had Milton, and Mary's this undre others.
So he's all off over there, you know, doing claims
and stuff and so uh by the time he gets back,
the person from the insurance company that he's supposed to
(08:50):
be working with has determined, no, I don't have damage
and here, just sign this piece of paper. And he's like,
WHOA wait a minute and hold up. So he has
a consultation with the roof, and the roofer says, yeah,
I don't think this is working either, and so I
(09:10):
had to go to the next level, which is called
an umpire, and the umpire is and I had to
pay for him. But you know, it's a differences been
paying him a thousand dollars or paying for a new roof,
which was a whole lot more than one thousand dollars.
And so he comes and he looks at it, and
he and I determine when we think the damage happened.
Speaker 1 (09:33):
And I looked online and there's this thing.
Speaker 2 (09:35):
Handy dandy website called a hail map, and you can
look and see when there was a hailstorm on any
given day at on any given location, and so it
will show you a map of where the hail occurred,
and so we looked it up. I sent him a
link to the website and yes, there was a hailstorm
(09:57):
on that particular day and this is where it. You know,
it did come over my house. You could see it
on the map. So anyway I have I had evidence
that there was a a hail storm on that day, and.
Speaker 1 (10:13):
Which thanks for the internet for that.
Speaker 2 (10:16):
So eventually I was able to get my roof replaced,
but it took over a year and the insurance company
didn't do it out of the kindness of their heart.
I will say that anyway. That is, you have insurance
because you want to be prepared in case something happens.
(10:40):
Because it's one thing for me to write a check
or have a an electronic payment since we don't write
checks anymore. For insurance every month, even if it's not
you know, it costs a lot more than it used to.
It does not cost what a new roof does.
Speaker 1 (10:59):
My new roof was.
Speaker 2 (11:02):
Probably in the neighborhood of about by the time they
got all said and done with gutters and everything, that
is over thirty thousand dollars. And that's not a check
I can write easily okay, and most people can't, and
therefore it is better to have insurance than it is
(11:26):
to try to deal with that if I had to. Okay,
So prepping is like insurance. So you may prep and
you may not have to use it. And if you
don't have to use it, my thought is you just
count it as a blessing and move on. Kind of
like how we have personal days at work. You know,
we have days that we have vacation days.
Speaker 1 (11:49):
They do not roll.
Speaker 2 (11:50):
Over from year to year, but we also have personal
days that we can accrue over time. That's really important
if the day comes when you have an emergency and
you have some days in kind of like a savings account, uh,
and you use those days if you have an emergency.
(12:12):
You know, there have been times. One time sister had sepsis,
shoes in the hospital for two weeks, you know, so
I was out for a while. Same thing when my
mother passed away. So there, you know. I I had
to have surgery one time. And and and this one
was a surgery I didn't know I was gonna have
to have. And it was six weeks off to uh
(12:36):
to recuperate from this surgery, and that uh, you know,
because I had days put aside, then I had prepared
to have an emergency, then I could still you know,
get paid, which was nice that, but you know, there
(12:57):
are folks that use all their days every year, and
so when the end of the year comes there they
might have one left over, or they might not have any.
They may have used every single one of their days.
So then when the day comes that they have an emergency,
then they're up a creek. They may not lose their
job because you know there's that Family Leave Act, but
(13:21):
they are not gonna get paid because they used up
all their personal days. But then you get to the
point where it's time to retire in my line of work,
and you've acquired all these days and you don't have
them anymore, and so I mean, you're you've saved them up,
but basically you were gonna lose them at the end
(13:43):
because you're gonna retire and you be done. But you
did it because you had like an insurance against having
to be out because you had an emergency. And so
that is the same thing with food storage and water
storage and all the kinds of all the parts of prepping.
We hope we don't ever have to use it. But
(14:04):
that doesn't mean we shouldn't do it because we might
need it at some point in time. For example, when
my electricity was out for five days, because I did
have some generator capability, I was able to at the
very least save all of the food in the fridges
(14:25):
and the freezers. And I had somebody say to meet, well,
you know you can take that off on your insurance. Well, yeah,
but the deductible own house insurance now is you know,
a percent of the house. A percent of the policy
like mine is is one percent, I think, But now
they're writing policies for two percent. Well, think about what
(14:48):
the policy is on your house or you know, which
would like be replacement value. And I think I heard
somebody say the other day the average price of a
house nowadays in America is like foreign one thousand dollars. Okay,
one percent of that is four thousand dollars and two
percent of that is eight thousand dollars.
Speaker 1 (15:09):
Well, my fridges and freezers.
Speaker 2 (15:11):
Are not gonna have four or eight thousand dollars in
uh food in them? Not. It could have a lot,
but it's not gonna have that much. And then I'm
I'm not gonna meet the deductibles, so I'm gonna be
out that money. So I wanted to at least keep
the fridges and freezers going so that, you know, we
didn't lose all that food. And we had fans, and
(15:36):
we were able to use the you know, I had
the little jackerie.
Speaker 1 (15:39):
We could I could do my.
Speaker 2 (15:42):
Seapap so if I could get cool enough, I could
actually get some sleep. So we were able to limp along.
Not as well as I would have liked to have limped,
but we did. Uh, so it it didn't go to waste.
And you know I talked yesterday about the wheatberries and
how you can keep those for a long period of time,
(16:02):
so you know, have some of those in case.
Speaker 1 (16:05):
The day comes we can't find flower.
Speaker 2 (16:07):
Okay, are we probably not ever gonna be able to
buy flower?
Speaker 1 (16:13):
I probably we should be able to get some.
Speaker 2 (16:17):
You would like to hope, but we don't always know
what's gonna happen in the world. It could happen or
it could not happen. And that is the dilemma with prepping,
and that is the excuse that people use for not
doing it, because they say, well, you know, you've bought
all this stuff and went to all of this expense
(16:38):
and done all these things, and you know then nothing happens. Well, ky,
like insurance. I paid all this money to this insurance
and you know I never used it. Well, it's just
one of those things you do to be prudent. And
that's what this is.
Speaker 1 (16:53):
Now.
Speaker 2 (16:53):
Folks get, you know, off the deep end with prepping.
And I understand that there are some that are pretty out.
When I started, you know, reading the websites and listening
to the YouTube videos and all that stuff, I would go, Okay,
this one's a little over the edge. You'll see, you know,
all kinds of weird stuff come up in the in
(17:18):
different comments from people, and I've you know, had I've
not listened all the way because when they start down
this road, I'm like, I'm out of here. When they
start talking about the the scenarios where you know there's
not gonna be rule of law. Now, is that possible?
Yes it is. I don't know that it's gonna happen today. Okay,
(17:39):
so anyway, I hope not anyway, But I think those
kinds of things that.
Speaker 1 (17:48):
People are.
Speaker 2 (17:53):
Thinking will happen are it's not gonna happen the way
they now can it happen, Yes, is it wanting to
happen the way they have think in their mind that
is gonna happen, and maybe not. And I realize a
lot of this is sometimes you have and a lot
of these guys are These are the g Watt veterans,
(18:15):
and they have seen what a breakdown of civilization looks
like in other parts of the world.
Speaker 1 (18:22):
And I'm not saying people don't go crazy, because they
certainly did during COVID.
Speaker 2 (18:26):
Anyway, That's one of the reasons I try to study history,
because I think studying history and historical events and how people, normal, everyday,
ordinary people dealt with those extraordinary events gives us at
least some kind of guidance as to what kind of
(18:50):
things could happen in the future. But prepping is never wasted.
It's insurance, just like any other kind of insurance, and
skills that you learn are of course, I mean, that's
never a waste. So one of the most important things
to do is learn how to do more things for yourself.
(19:13):
I've heard it said, you know it's this is a
prepper saying the more the no the more you know,
the less you have to carry. There is some truth
to that. But you know, the less things you have
to purchase because the more things you know how to
do so, but some things you can't, Like yesterday when
we were talking about Mary Maverick, they couldn't get you know,
(19:35):
it was very high to get coffee and flower and
things that were not producible in that area. So prepping
does not go to waste. And it's still important. Even
(19:56):
if you know nothing happened today, that doesn't mean something's
not gonna happen in the future. Now, we don't need
to live like that, like we're you know, expecting the
hammer to fall on our head, but we do need
to be cognizant of the times we live in. And
you know, the word of the decade is unprecedented, and
(20:17):
we have been talking about things being unprecedented since twenty twenty.
I would like us to have just something normal for
a while. Honestly, this has been a normal summer. And
you know, we didn't have a law in Ninyo. We
didn't have an El Nino. We didn't we we've had
reasonable for us, reasonable temperatures, reasonable temperatures and taxes in
(20:39):
August or in the nineties, in the high nineties, close
to one hundred, maybe one hundred. But we're actually even
gonna have a little cool down next week, and it's
gonna be in the high eighties, that'll be and the
low one morning it's gonna be sixty eight.
Speaker 1 (20:53):
I may have to get out of Parka.
Speaker 2 (20:55):
Okay, I am at work, and again there's a lot
to do today, so I will talk to you Monday.
I'm not working from home, so talk to you soon.
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