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How much Cash Should I have?
ferfal.blogspot.com/ ^ | 9/9/12 | FerFal

Posted on 09/10/2012 11:46:26 AM PDT by Kartographer

If you have been reading this blog for some time you already know that there’s much truth in the “cash is king” saying. When disaster strikes the “cash only” signs go up. When you have to buy / sell on the go, cash makes it happen. When banks go on holydays and everyone is looking for an ATM with some money left, Cash not only buys you good and services, it allows you to get some pretty nice deals. Since we’re talking deals, nothing gets you as many of those as a wad of cash at the right time. For someone looking to close a sale, the money being physically within hands reach, literally speaking, is an important factor. When you have to leave everything behind, what you carry with you and what you have in the bank is all you have left, and if the banks happen to go down along with whatever is forcing you to leave, then what you have with you is all you have left. Looking at different events around the world, if there’s one thing all refugees have in common is that they can all use a fat wad of cash.

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TOPICS: Miscellaneous
KEYWORDS: preparedness; preppers; survival
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For you discussion, consideration and critique
1 posted on 09/10/2012 11:46:36 AM PDT by Kartographer
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To: appalachian_dweller; OldPossum; DuncanWaring; VirginiaMom; CodeToad; goosie; kalee; ...

Preppers’ PING!!


2 posted on 09/10/2012 11:47:40 AM PDT by Kartographer ("We mutually pledge to each other our lives, our fortunes and our sacred honor.")
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To: Kartographer

Keep as much cash on hand as you can afford. Money market yields are gone. Digital cash will vaporize in any major finanacial melt-down. Physical gold will get you killed in the market place. Hording $5s and $10s will get you by for a while.


3 posted on 09/10/2012 11:52:13 AM PDT by Tugo (Romney & Ryan)
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To: Kartographer
How much Cash Should I have?

Hmmm...How much air should I breathe?

4 posted on 09/10/2012 11:54:27 AM PDT by gr8eman (Ron Swanson for President!)
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To: Kartographer

Disagree about the plane tickets. If things are that bad, I am certainly not getting on a plane. It probably wouldn’t be an option anyway.


5 posted on 09/10/2012 11:55:05 AM PDT by ottbmare (The OTTB Mare)
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To: Kartographer

“...and if the banks happen to go down along with whatever is forcing you to leave, then what you have with you is all you have left.”

It would seem to me, that “if the banks happen to go down”, then the little green pieces of paper one has in their pocket aren’t going to be worth much for very long.


6 posted on 09/10/2012 11:55:10 AM PDT by running_dog_lackey
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To: Tugo
Chocolate.
7 posted on 09/10/2012 11:57:33 AM PDT by Berlin_Freeper
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To: Kartographer

A few weeks ago I was at my large, name-brand bank in a large suburb on a Wednesday. Asked for some cash. The guy replied “We don’t have many $100 bills, are $50’s okay?” (WTF!?) I did get 6 $100 bills and a wad of $50’s.

My old man years ago would keep lots of cash hidden at three locations around the house. I know lots of folks can’t do that, but squirrel away a bit at a time for emergencies and it adds up. Heck, even enough money for a couple tanks of gas and food for three days might be a lifesaver depending on the situation.


8 posted on 09/10/2012 11:57:42 AM PDT by 21twelve (So I [God] gave them over to their stubborn hearts to follow their own devices. Psalm 81:12)
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To: Kartographer

I’ve got ninety thousand pounds in my pajamas
I’ve got forty thousand French francs in my fridge
I’ve got lost of lovely lira, now the deutsche mark’s getting dearer
And my dollar bills would buy the Brooklyn Bridge

There is nothing quite as wonderful as money
There is nothing quite as beautiful as cash
Some people say it’s folly but I’d rather have the lolly
With money you can make a splash

There is nothing quite wonderful as money
There is nothing like a newly minted pound
Everyone must hanker for the butchness of a banker
It’s accountancy that makes the world go round

You can keep your Marxist ways
For it’s only just a phase
For it’s money, money, money makes the world go round


9 posted on 09/10/2012 11:58:51 AM PDT by RFEngineer
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To: Kartographer

A good balance of digital, cash, and metals are my recommendation. Who knows here this will go but there are some good guesses such as this thing coming down in phases and during each phase various financial instruments will be needed.

Cash is good as during the early part of the collapse, which we are in, really good deals are made to those with cash. Right now I am finding all kinds of prep deals based on having the cash to get them.


10 posted on 09/10/2012 11:59:04 AM PDT by CodeToad (Be Prepared...They Are.)
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To: Berlin_Freeper

Cigarettes and silk stockings. :)


11 posted on 09/10/2012 11:59:45 AM PDT by RingerSIX (My wife and I took an AIDS vaccine that they offer down at our Church.)
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To: Kartographer

Did you listen to Rush today?

He actually gave major credence to the imminent financial collapse of America. Pulled no punches except for the implication that getting 0bama out of there will avoid the crash.


12 posted on 09/10/2012 12:03:05 PM PDT by MrB (The difference between a Humanist and a Satanist - the latter knows whom he's working fors)
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To: Berlin_Freeper
    My List
  1. Guns
  2. Ammo
  3. Food
  4. Water
  5. Gold
  6. Silver
  7. Whiskey
  8. Wine
  9. Seed

13 posted on 09/10/2012 12:07:11 PM PDT by Aevery_Freeman (All Y'all White Peoples is racist!)
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To: MrB

YES..I heard Rush today! Was a little shocked...


14 posted on 09/10/2012 12:08:57 PM PDT by goodnesswins (What has happened to America?)
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To: Kartographer; FerFAL308; Berlin_Freeper
How much Cash Should I have?

Well, I recommend, at minimum, "I Walk the Line" and "Ring of Fire: The Best of Johnny Cash", but don't forget his other works, such as "Bitter Tears: Ballads of the American Indian" and "Orange Blossom Special".

This should get you through any Cash crisis.

15 posted on 09/10/2012 12:09:04 PM PDT by Lazamataz (Communist Party = Democrats. Socialist Party = Republicans. WE NEED A CAPITALIST FREEDOM PARTY!)
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To: Kartographer; blam; The Duke; WakeUpAndVote; JRandomFreeper; Bride Of Old Sarge; ottbmare

Yep, cash is king, but it boils down to two things:

* your personal situation;
* your tactical situation.

I concur with Ottbmare - you might not have the option of taking “the last plane out”. If you can, groovy. If not, Plans B & C should be filed for use.


16 posted on 09/10/2012 12:10:24 PM PDT by Old Sarge (We are now officially over the precipice, we just havent struck the ground yet)
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To: MrB

Though he sometimes gets on my nerves it just goes to show how far ahead of the curve Glenn Beck is. Even ahead of the great “ Maha-Rushi”.


17 posted on 09/10/2012 12:10:45 PM PDT by Kartographer ("We mutually pledge to each other our lives, our fortunes and our sacred honor.")
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To: 21twelve

Keeping a stack of $5 bills handy will last you much longer than the bigger notes.


18 posted on 09/10/2012 12:10:55 PM PDT by Tugo (Romney & Ryan)
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To: MrB
I SHUDDER to think what will happen if Obama is re-elected.

This central bank printing press policy cannot continue forever. The merry-go-round will stop with a thud soon. Trillion dollar deficits cannot be sustained. Operating the US government WITHOUT a budget is insane.

Financially, it truly is all over for the US if Obama is re-elected. The government will go bankrupt, the dollar will become worthless.

19 posted on 09/10/2012 12:11:53 PM PDT by Former Proud Canadian (Obamanomics-We don't need your stinking tar sands oil, we'll just grow algae.)
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To: Berlin_Freeper
"Chocolate"

HA...I AM a chocolate horder!

20 posted on 09/10/2012 12:12:00 PM PDT by goodnesswins (What has happened to America?)
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To: RingerSIX

Moonshine or off the shelf Whiskey. Worth a boatload to a rich alcoholic.


21 posted on 09/10/2012 12:12:01 PM PDT by eyedigress ((zOld storm chaser from the west)/?)
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To: RFEngineer
I’ve got forty thousand French francs in my fridge I’ve got lots of lovely lira, now the deutsche mark’s getting dearer

I had to look in Ye Olde Paper Dictionæry to find out what some of those words meant.

I don't have as much as the blog author recommends, but I did take out some during 2008 in my own personal "walk" on the bank. I gradually added some more smaller bills to that over the past couple years. And with the 0.01% interest my bank is paying on savings I may have lost dollars of interest over the years.

The one big thing I need to store is water. I have a few gallons, but that won't last long.

22 posted on 09/10/2012 12:15:25 PM PDT by KarlInOhio ("Government is the only thing that we all belong to"=implicit repeal of the 13th amendment for all.)
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To: RFEngineer
Money, which represents the prose of life, and which is hardly spoken of in parlors without an apology, is, in its effects and laws, as beautiful as roses.

Ralph Waldo Emerson

23 posted on 09/10/2012 12:15:44 PM PDT by PGR88
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To: Kartographer
I find that it's important to have several fire-starting methods and toilet hygeine options available, not just cash.

/johnny

24 posted on 09/10/2012 12:16:07 PM PDT by JRandomFreeper (Gone Galt)
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To: 21twelve
My old man years ago would keep lots of cash hidden at three locations around the house. ... Heck, even enough money for a couple tanks of gas and food for three days might be a lifesaver depending on the situation.

Unless it's a house fire.
25 posted on 09/10/2012 12:16:38 PM PDT by whattajoke (Let's keep Conservatism real.)
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To: Tugo

Me I keep some small bils, but I have a bucket of change (lots of quaters). If I am able to make any last minute purchases say a two gallon container of gasoline if I pay for it with a handfull of change anyone watching isn’t going to consider me worth robbing other than maybe the gasoline itself, where as some one pulling out a wade of bills would be like throwing blood in the water.

Plus the change actually has some value in the metal they contain, plus quaters make great shotgun loads for zombies. :-)


26 posted on 09/10/2012 12:16:41 PM PDT by Kartographer ("We mutually pledge to each other our lives, our fortunes and our sacred honor.")
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To: Tugo

I have all kinds. There is “emergency” cash for when the power goes out for a day and the computers are down at the gas station or store. “Emergency” cash for that something on craiglist or the gun show.

And yes - $1, $5 and $10 (and lots of change) for buying a fresh loaf of bread or a gallon of gas after the SHTF.


27 posted on 09/10/2012 12:21:16 PM PDT by 21twelve (So I [God] gave them over to their stubborn hearts to follow their own devices. Psalm 81:12)
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To: Kartographer

Rush knows and believes a LOT more than he says on his show, guaranteed.

You can tell when he hints at things.

He has an Uber-bugout set up in New Zealand,
and he has mentioned that he’ll tell us when to panic,
implying that it is a distinct possibility.


28 posted on 09/10/2012 12:22:20 PM PDT by MrB (The difference between a Humanist and a Satanist - the latter knows whom he's working fors)
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To: goodnesswins

Indeed, Rush tries to stay out of “kookville”, even when the kooks are correct, in order to “maintain credibility”,

which gives this even MORE credibility.

There’s a new book series out by a gov’t/financial insider called “299 days”. The author was interviewed on Spirko’s show. Very credible as well.


29 posted on 09/10/2012 12:24:18 PM PDT by MrB (The difference between a Humanist and a Satanist - the latter knows whom he's working fors)
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To: Tugo
Some notes on keeping cash around.

Never keep it all in one place. If you have a safe, fine, but that will be the focus of efforts of criminals. If everything is in there, you risk losing it all.

Split it up, and spread it out. Leave a couple of 'low hanging fruit' stashes, heavy on small bills with a couple of big ones inside to look good, in a desk drawer, pocket, wallet or purse. Hide the lion's share elsewhere in envelopes taped to the back of pictures (or inside the frame backing), inside an old lamp, taped to the bottom or back of a drawer, the underside of a chest of drawers, in hollowed out paperbacks, interleaved in the family bible, or anywhere else you can think of. Never put all your eggs in one basket.

Unless you routinely move large sums around, trickle the cash out in three figure sums or the rare four figure transaction. Transactions of as little as 1,000 to 3,000 dollars trip flags with the IRS and have to be reported by the banks. If you know someone who works in banking ask them how large it has to be before it trips a flag.

Keep in mind any search of the premises by LEOs will likely result in the confiscation of large amounts of cash, so, again, break it up and make it look reasonable.

30 posted on 09/10/2012 12:25:01 PM PDT by Smokin' Joe (How often God must weep at humans' folly. Stand fast. God knows what He is doing)
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To: whattajoke

“Unless it’s a house fire.”

Yes - there is that. I have adapted his old ways a bit, to include a hole in the yard. Dad (RIP) lived through the Depression, and probably learned from that to have some stashed away just in case. Later on in life he had a fire-proof safe installed in the basement floor.


31 posted on 09/10/2012 12:26:49 PM PDT by 21twelve (So I [God] gave them over to their stubborn hearts to follow their own devices. Psalm 81:12)
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To: KarlInOhio

Yes. Water is crucial; you can last a couple of weeks with those $1 bills you hoard, but I don’t think you can make it long without water. Husband is trying to finish his windlass for manually drawing water out of the well. - Getting change if the computers go down will be difficult; that’s why everything will probably be rounded off to the nearest dollar. Do get some ones, though, along with the fives and tens. - Oh, and wake me when it’s over!


32 posted on 09/10/2012 12:27:45 PM PDT by Twinkie (In whose eyes a vile person is contemned. Ps. 15:4a)
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To: KarlInOhio

Unless you already have water containers or a cheap source to get them, maybe start grabbing spring water from your grocer. You can get the 2.5 gal container for about $2.30 or so. I’ve got several, and THEY can be refilled once I use them.

When it gets about a year old, I use them to brew and then refill them.


33 posted on 09/10/2012 12:28:03 PM PDT by Mich Patriot (Today if you invent a better mousetrap, the government comes along with a better mouse. RReagan)
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To: Kartographer

Quarters? How do you get quarters in a 12gauge? Or what gauge are you talking of?


34 posted on 09/10/2012 12:29:00 PM PDT by US_MilitaryRules (Unnngh! To many PDS people!)
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To: US_MilitaryRules
Not a fan of Resident Evil I take it? ;-)

35 posted on 09/10/2012 12:35:29 PM PDT by Kartographer ("We mutually pledge to each other our lives, our fortunes and our sacred honor.")
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To: Kartographer
All of it, I say!


36 posted on 09/10/2012 12:38:06 PM PDT by Revolting cat! (Bad things are wrong!)
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To: Kartographer

Have to disagree. In the words of an old blues tune, “Cash ain’t nuthin but trash.”

System collapses, I don’t care how much cash you have, it won’t be enough.

If you need widgets to live, and all you have is cash, and I have the widgets you need, I know that I can’t USE any of the cash you have, so I’ll just tell you, no deal. Unless of course you have something else I need and value more than cash, like can goods, freeze dried somethings, cans of gas, cans of oil... The little things that one needs to live.

Point of all this to anyone who cares, is to read the other posts here on this thread. There are some terrific ideas about what kind of assets you could (and should) acquire now, while cash can still buy them. Then, when everyone wakes up to the fact that paper money is just paper and not money, you will have the widgets, and the shortsighted will have piles of paper in their pockets.

Parting shot, study up on what happened to Germany after WWI. Some Germans survived nicely. They didn’t rely on paper currency.


37 posted on 09/10/2012 12:42:41 PM PDT by ConradofMontferrat (According to mudslimz, my handle is a Hate Crime. I just Hope they don't like it.)
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To: goodnesswins

Chocolate - sounds like a plan to me!!!


38 posted on 09/10/2012 12:53:50 PM PDT by MasonGal
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To: ConradofMontferrat

Agreed. If you look back the people who sold gold miners stuff came out far better than 95% of the gold miners ever did.


39 posted on 09/10/2012 12:55:48 PM PDT by Kartographer ("We mutually pledge to each other our lives, our fortunes and our sacred honor.")
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To: Aevery_Freeman
Number one on your looters' list should be a portable water filter/pump and some iodine tablets. That way you won't be saddled with carrying several gallon jugs around.

Drop the gold and silver, too heavy to carry around. With enough brass and lead, you can collect all the gold and silver you want, later. Try diamonds for portable wealth.

40 posted on 09/10/2012 1:11:50 PM PDT by woofer
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To: running_dog_lackey

“It would seem to me, that “if the banks happen to go down”, then the little green pieces of paper one has in their pocket aren’t going to be worth much for very long.”

No, cash will be better than gold in the very short term, as cash will be the only option other than bartering for people needing to buy and sell stuff (and bartering is very, very, inefficient). As to cash not having value - in the short term it will have huge value, because electronic money is gone, so, essentially 90% of US dollars are gone. People with EBTs can try to use them to buy food - but they will not have any luck - only people with greenbacks will be able to use them. Gold and even silver, won’t work immediately, as people selling items won’t know what to do with those metals, or even how to tell if they’re legit.

Now, for the longer term, it gets more complicated, as the government will likely be tempted to print huge amounts of money - so cash would start to lose value. But in any disaster in this country’s history, those who had cash ready could get what they needed, those with debit/credit cards were told “sorry” it’s not that we don’t trust you, it’s that we don’t trust anyone.


41 posted on 09/10/2012 1:20:25 PM PDT by BobL (You can live each day only once. You can waste a few, but don't waste too many.)
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To: Kartographer

Doesn’t look like quarters will fit in there either! lol


42 posted on 09/10/2012 1:29:38 PM PDT by US_MilitaryRules (Unnngh! To many PDS people!)
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To: MrB

“Did you listen to Rush today? He actually gave major credence to the imminent financial collapse of America.”

It HAS to happen. We cannot get away with trillion dollar deficits for very long. There is a level that we can sustain, which works out to having a deficit that roughly equals the interest costs on our existing debt - in other words, if our debt only increases by the rate of inflation, and is not too high, it’s manageable.

But we are far beyond that. Rush has run the same numbers - we may ‘seem’ fine right now with a ‘strong’ dollar, but the vultures will strike, they ALWAYS do, as Greece found out (and Spain is finding out). We have some options, such as nationalizing 401k’s and private pensions, but even that is limited, as we’ll wipe out that money in less than a decade (maybe much less). This trajectory CANNOT be sustained.

...and because of that, I would just LOVE to see the entire Bush tax cuts expire. For two reasons: First it makes the lower classes and middle classes start paying taxes again, and second, it clears his name - in that the Dems have ALWAYS called it a “tax cut for the rich”. As much as I wished that was the case (as tax cuts for ‘the rich’ always help economic growth), the rich were an afterthought - it was mainly a lower and middle class tax cut.

The Dems know that - although I doubt the Republican leadership has enough intelligence to also know that. But the Dems will DO ANYTHING to not let those tax cuts expire for the lower and middle classes, because that will expose them (and the media) as frauds. But they should expire, because the REAL MONEY is in those classes (including the upper middle class). Once we hit those bad-boys up, we will start getting closer to real deficit reduction.

Of course the other option is to cut government spending, but even the old people here still insist on their cut of Old Age Welfare (sometimes called Social Security), so that option isn’t going anywhere.


43 posted on 09/10/2012 1:38:05 PM PDT by BobL (You can live each day only once. You can waste a few, but don't waste too many.)
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To: goodnesswins

“YES..I heard Rush today! Was a little shocked...”

He’s right. It simply is not sustainable. See my prior post. People might as well prepare for a very ugly downfall, if Obama is re-elected...because we’ll get it.


44 posted on 09/10/2012 1:39:27 PM PDT by BobL (You can live each day only once. You can waste a few, but don't waste too many.)
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To: BobL

There is a significant percentage of flks who believe the collapse they are experiencing is only a temporary dip. These will take cash for inflated priced goods, so cash will have value even as the authors of that cash are scurrying to the government bunkers hoping they can wait out the chaos until a new master arises. At first a five will buy what a dollar would by. Then it will be a twenty for what a five bought. Eventually, a C-note will be the minimum exchange, though what it will purchase will be of little value within days.


45 posted on 09/10/2012 1:41:05 PM PDT by MHGinTN (Being deceived can be cured.)
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To: BobL

There is a significant percentage of folks who believe the collapse they are experiencing is only a temporary dip. These will take cash for inflated priced goods, so cash will have value even as the authors of that cash are scurrying to the government bunkers hoping they can wait out the chaos until a new master arises. At first a five will buy what a dollar would by. Then it will be a twenty for what a five bought. Eventually, a C-note will be the minimum exchange, though what it will purchase will be of little value within days.


46 posted on 09/10/2012 1:41:27 PM PDT by MHGinTN (Being deceived can be cured.)
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To: Kartographer

“Though he sometimes gets on my nerves it just goes to show how far ahead of the curve Glenn Beck is. Even ahead of the great “ Maha-Rushi”.”

Concur. Rush takes his time coming to conclusions, but once there, he is seldom wrong. He’s on board now with the consequences of this election.


47 posted on 09/10/2012 1:41:46 PM PDT by BobL (You can live each day only once. You can waste a few, but don't waste too many.)
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To: Lazamataz

Didn’t he do the one about the ragged old flag? Everyone should have that one, as well.


48 posted on 09/10/2012 1:48:13 PM PDT by NEMDF
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To: 21twelve

There may also be the fall back of setting up a small savings and checking account with a local credit union, where money is accessible if your big bank locks up funds or is considered an “out of state bank”. You still have a debit account and debit card but aren’t as affected if the big banks are nationalized or lock up your funds.


49 posted on 09/10/2012 1:49:36 PM PDT by tbw2
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To: goodnesswins

A compromise for long term storage and the fact that chocolate can melt: chocolate brownie mix in #10 cans or chocolate chip muffin mix. You get the chocolate kick with something that lasts years. Medium range scenario, you’re eating it after getting laid off or when you rotate your food stores.


50 posted on 09/10/2012 1:52:03 PM PDT by tbw2
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