In this episode of Ready Radio, we delve into the crucial topic of preparedness, discussing various strategies and mindsets necessary to face unforeseen events. John Rush and Bill Anderson bring their wealth of experience to provide listeners with practical advice on how to stay ahead of life’s unpredictabilities. From threat assessments to financial readiness, the conversation touches on many aspects of being prepared without resorting to scare tactics.
SPEAKER 05 :
This is Ready Radio, preparing you to be ready for anything, now.
SPEAKER 08 :
Here’s your survival guide for Ready Radio, John Rush. And it’s that time, Ready Radio KLZ 560, thanks for tuning in. It’s a fine Friday, May the 1st. So the 1st of May, Bill Anderson with me as well. Bill, welcome, how are you? I’m doing well. Finally warmed up a little bit. Yeah, and as I see May on the calendar, Man Alive has the year gone by fast so far. First four months are out of here. Yeah, it’s crazy.
SPEAKER 09 :
You blink and it’s gone, it seems like, and already behind on a lot of things.
SPEAKER 08 :
Well, and we’ll talk about some of that today. It’s what this show is all about, is being prepared for the what-ifs of life. And for a lot of you, that old saying, Bill, of, you know, I’ll do it tomorrow, I’ll do it tomorrow. The problem is tomorrow never comes. So we try to get people to act and do things in accordance to some of the things that we talk about and be more prepared. and do that on a consistent basis. Today, I wanted to talk about maybe some of the threat assessments and things that potentially are going on out there. And by the way, we always say this, and Bill, I know you feel the same way. We never want to alarm anybody or make anybody uptight or try to scare anybody. I’m not that way. I’ve never ran any of my programs or done anything in a scare tactic way like a lot of folks out there might be doing. I don’t need the clicks and the clickbait and all the rest of the things that are out there that a lot of folks use to make money. I don’t need to do that. I don’t want to do that. I never would do that, Bill, by the way. It’s just not the way we operate. I also should mention really quick, Charlie’s not with us today. He will be a little bit later in Rush to Reason. So Luke Cashman filling in for Charlie. So Luke, as always, appreciate you very much. And feel free, Luke, to chime in at any time. point in time when you’d like to, because there’s a lot of things that we’re going to discuss today along the lines of the threat assessment end of things. And Bill, again, thank you for filling in last week, too. I appreciate that. I had a school program to go to for my grandkids, so I appreciate you doing that as well.
SPEAKER 09 :
Yeah, no problem. Yeah, and we all get caught up in this. It’s not like you and I, just because we talk about this every Friday, we have this figured out. Exactly. We struggle with life, too. That’s right. And you know, things come up and we get complacent and we get sidetracked and, you know, it’s so, you know, it’s just good reminders for everybody all around. And, and John, I don’t think, you know, not you’re right. We don’t use scare tactics. A lot of people, you know, even the news, the, the, the news, no matter what you listen to, they’re always like, it’s the end of the world. You know, it’s the end of our democracy. It’s the end of whatever. And, you know, it’s all just a bunch of garbage, but, you know, it’s, To some of that kind of tangent, if you will, there is a reality of things are getting a little dicey out there. And while we don’t want to be the chicken littles out there saying everything’s going to end, we also are the watchmen that go, hey, let’s. Let’s keep an eye on this, you know, and just in case. You know, nothing wrong with that either.
SPEAKER 08 :
No, no, and I agree with everything you just said. No, we are never going to be the, you know, let me say it this way. If it gets to the point where we feel like you should be alarmed about something, Bill, you and I will be one of the first ones to come out and let people know that, hey, you know what, be watching for XYZ. This is really important. I’ve done that, by the way, in some cases when it comes to scams and things like that, Bill, where, yes, you need to be really aware of this particular thing, going on. Now, when it comes to the whole, you know, prepper world, I guess you could say, or the preparedness world, you know, and you and I’ve said this many, many times, everybody’s at a different level when it comes to how prepared they are for whatever. And this is a statistic that a lot of folks, I talk about this on Rush to Reason, don’t talk about it a lot here, but it’s true, maybe not so much in our listening audience, although If you were to actually probably poll people, you know, stats don’t lie, Bill. They’re all pretty accurate. So 40 percent of Americans can’t handle a thousand dollar repair. In other words, there’s not a thousand dollars in the bank to go pay for something along those lines. And that increases or sorry, it goes down as you go down in the amount. But even 43, I believe it is 43, 44 percent can’t afford five hundred dollars. So, you know, a lot of what we’re talking about, folks, is, you know, again, being prepared. And Bill, one thing we don’t talk much about, and this isn’t from my notes today, but I’m going to throw it in anyways, is, you know, the financial aspect of things. It’s another thing where, you know, I don’t know that people really put enough effort. credence, maybe is the right way to say, into their own personal finances. And Bill, I get it. I have been self-employed since I was 22 years of age. I understand the ebb and flow of things. I get budgets and things like that, raising kids, families, the burn rate. Believe me, Bill, I understand all of that full well, but I also know that you do have to get to a point where that $500 or $1,000 thing that may come up, you need to be able to handle those things and handle them readily.
SPEAKER 09 :
Yeah, I mean, I’ve got two examples. Just this week, we got called out on a house that, you know, had lost power. And a lot of times, you know, that’s a utility issue, but sometimes it’s not. And come to find out, I actually sent you pictures, I think, last week on it, was, you know, the person, the company that did the solar install put the wrong breakers in the panel. And, you know, you have to match the the breakers with the panel. And manufacturers and instructors say that. There’s a reason why, because that breaker attaches to that bus bar a certain way. And if there’s any variance in there, you know, you get a little loose connection, if you will, that causes heat. And heat is not a friend of electric. And if arcs and sparks and things melt, I actually sent you the pictures of the melted bus bar. And, you know, hey, you guys need an emergency service change. And, you know, I mean, honestly, that’s not cheap. You know, it’s around $5,700, $5,000, $6,000, depending on whether it’s overhead, underground, whatever. And the people are like, yeah, we don’t have the money. And so, yeah, we set up a payment plan for them, but, you know, they didn’t have that. Now, that might be a bigger extreme. So here’s a more relevant thing. Last night, we got a call from somebody that says, I have no hot water. And their hot water tank had gone, you know, gone bad. Right. And we went out there and, you know, sorry, but water tanks, you know, aren’t very cheap anymore. And so, you know, a couple thousand bucks to replace that hot water. And he’s like, yeah, I don’t have it. So, again, we had to set up a payment plan for these type of emergencies. This is exactly what you’re talking about.
SPEAKER 07 :
Yes, it is. Yes, it is.
SPEAKER 09 :
And, John, I get a little frustrated with people, to be honest with you, because they’ll sit there and say, hey, I don’t have the $125 or whatever it is to get you to come out and solve my electrical problem. But, you know, at the end of the day, they’ve got the brand new latest phones. They’ve got big screen TVs. They go out to Texas Roadhouse and easily drop $100, $150 for dinner. And, you know, and then they’re sitting there. And not always, but you can kind of tell. I go into people’s houses.
SPEAKER 08 :
Sure, you know.
SPEAKER 09 :
And I can tell.
SPEAKER 08 :
You know.
SPEAKER 09 :
I can tell. You know, and it’s like you’ve got people. And, again, it’s no offense to anybody that smokes or drinks or anything. But, you know, that’s not really a priority of life. And they’re blowing their money on things like that when they should be putting away so they can pay for a water heater.
SPEAKER 08 :
Correct. Correct. No, and you are stealing, you know, exactly what I’m talking about. Adding on to what I’m talking about, I should say. And for those of you listening, and again, I know most of our audience, they’re pretty good about things. And I understand also, Bill, that sometimes things come up in life. There’s loss of jobs. There’s medical bills. There’s things that come up in regards to family and kids and tuition and on and on we go. Believe me, again, been there, done that. But I think to your point a moment ago, you know, and I know a lot of people are going to find this hard to believe. Being self-employed all these years, Bill, I’ve never once in my entire life, and some people are going to laugh at this, I’ve never in my entire life done a budget. I’ve never lived on a budget. And maybe being self-employed, I should have. But for me, it was always a matter of, okay, I know what expenses are. I know where to cut expenses. It really doesn’t matter what the budget is. I need to make sure I make more money than what I need every month to spend. And if I’m not, we’re going to be in trouble. So for me… I really never needed a budget. It’s just a matter of, you know, you cut back in the areas you need to cut back on when things aren’t as good as they should be, which in some cases, depending upon what you do for a living, those things ebb and flow, Bill, and you have to make adjustments accordingly.
SPEAKER 09 :
Yeah, yeah. There’s cases where maybe you need to cut the cable. Maybe you need to, you know, cut the budget for the booze that you drink on a weekly basis or the cigarettes or whatever it may be. I mean, you know, these are… sensitive subjects to people because they don’t want to give that up. But yet they’re going to sit there and complain about the essentials of life, John. And it’s like, that’s not an essential of life. But they’ll fight you tooth and nail over that. And that’s kind of one of the problems with even the people with the EBD cards or whatever, the state-funded cards, they go in and they buy junk food. And people even buy Starbucks or they’ll buy cigarettes with those and then they’re sitting there going well we’re so hungry and you know and it’s difficult for being a pastor of a church too we’re getting into a whole different area here but you know they come knocking on the church door going hey we ain’t got no money and and there was a time it wasn’t me it was before i came to the church that we’re at but they tell this story that this family had come and said hey we’re about to lose our house and you know do all this stuff and so the church cut them a check And they took that check and went skiing. And they said, well, we’re going to lose our house anyway, so we might as well go have fun with the money you gave us.
SPEAKER 10 :
Wow.
SPEAKER 09 :
And so I put in a thing. I’m like, hey, the church will not give anybody cash.
SPEAKER 10 :
Right.
SPEAKER 09 :
Good idea. If you’ve got a problem with your mortgage, send us your mortgage. Maybe we’ll help you out there. But, you know, a lot of people come a knocking, but they’re not really willing to cut where they need to cut, you know, for the basics of survival. And, you know, John, what we’re talking about today, and I think this leads into kind of where we’re going, is I think the problem is we have grown as a nation complacent and comfortable. I just left another house, and we were just talking with this lady, and she’s like, you know, we are so used to the 2% mortgage rates and stuff like that, but you’ve got to remember, historically speaking, they’ve always been much higher than that. Even up to like 7% and 14% and 12%, depending on what time frame we’re talking about, and then all of a sudden we get this abnormal low, and we think, oh, that’s now the standard, and we can’t afford anything. And I think that’s one of the problems we get into. And I talked about this on one of the times you were gone, but the danger of complacency and the complacency trap, you know, that we are, oh, if life’s going to be like this, you know, always. And it’s like, well, hey, we’re here to warn you and go, you know, there’s a war going on. There’s going to be some impact on on the oil and the byproducts of oil. And before you jump off and go, oh, well, America’s got plenty of oil. Great. That’s a fine conversation. But most of our stuff is imported from other countries that do not have oil. So if we’re importing something from a country that needs that oil that now doesn’t have the supply from that, you know, from Iran or whatever, you’re going to have an impact. You know, your pharmaceuticals, your food, your fertilizers. We’re already seeing that now.
SPEAKER 08 :
Good point.
SPEAKER 09 :
You’ve got to think beyond the surface here, John.
SPEAKER 08 :
No, you do. And that’s where today, and we’ll take a break and come back and talk about this, but I pulled up an article. This was on trueprepper.com, the threat list, and basically a prepper risk assessment. And some of what we’re talking about, which isn’t in the article, though, Bill, is even talking about in your own home, what I want people to do is really look at, okay, first of all, what kind of home do you live in? Is it a new home that’s got a warranty? Is it an older home that has no warranty? Are you living in a home where maybe all of your appliances are starting to age? And, Bill, we know that appliances have a lifespan, and they don’t build them like they used to. So the reality is you used to be able to buy a washer and dryer, and, man, they’d last 30, 40 years. Well, we don’t live in that era anymore, Bill. They’re not made to last that long. And so you really need to take – and where I’m going with this is take a risk assessment even of the things that are around your house. How old is your furnace? How old is that water heater? How old is your garbage disposal? I mean, you know, go ahead and write some of those things down knowing that you can, by the way, this is where you could use AI. Use AI and say, okay, what is the average lifespan of this particular product, and am I nearing the end of it? And if so, Bill, then you know what? Go get a little savings account someplace or, you know, cash, however you want to do it, but start putting some money away for those particular items, and then when that item comes up and needs to be replaced, you’ve got the cash you need to do so. That’s part of this risk assessment we’re talking about.
SPEAKER 09 :
Yeah, being proactive instead of reactive. I’ve said this many times, probably on this station, and I forget sometimes of the things I say, so if I’m repeating myself, forgive me for that, but I tell my kids and stuff all the time, and people that work for me all the time, it’s like, You know, pay now or pay later. But you’re going to pay. And it’s usually cheaper if you pay before.
SPEAKER 08 :
Well, John Maxwell is one that always, and I learned this from him a long, long, long time ago. You’re going to pay one way or the other. You pay on the front side, pay on the back side. And it’s always easier to pay on the front side. It’s just the way, it’s a law of life, Bill. Easier to pay on the front side always.
SPEAKER 09 :
been cheaper. So yeah, I didn’t know you said that, but you know, you got a prime example, John of furnaces right now, you know, we passed that new law. We’re not, we, but Colorado did with, you now have to have these super high efficient furnaces. The problem is, is none of the supply houses even have pricing on what those are. So there’s a little bit of a buffer here, but you’re got a very short timeframe. And if you’re looking to replace your your furnace, even if it’s on that margin, even if it’s on that tip there, it’s probably go ahead and do it now before you’re forced to do these higher efficient things. Because I guarantee you, one, those furnaces are probably going to cost, I don’t know, it might be far-fetched to cost, say, double, but it’s going to definitely be a lot more. And then the requirements of what we have to put in to make those more efficient is going to cost more. So there’s a thing right there. It’s something
SPEAKER 08 :
see something you know giving a little bit of warning sign so maybe i should just go ahead and address it now before it’s an emergency right that’s just smart right and again and i get it guys and believe me i know this full well you know again bill being not only self-employed but owning multiple homes and so on throughout my my years of doing things and raising families and so on i get it some things are not predictable you cannot predict you know a particular problem but In a big way, it’s a lot like car maintenance, which is the world that I came out of. A lot of things actually are predictable. And if you really sat down and, you know, put together, and this is, again, where AI can come into play, put together a log on this is how old my water heater is. This is how old my boiler is. This is how old my furnace is. This is how old my AC unit is. And on and on we go. This is how old my roof is. I mean, Bill, I mean, we’ve got all sorts of sponsors, by the way, that can help with all the different areas I just mentioned. And the reality, Bill, is, you know, take an inventory, if you would, of some of the things you have around the house. And, you know, when is that item expected to go bad? And folks, again, you can really get down into the nitty gritty. You know, how old is my lawnmower? What about that garden hose that I know is, you know, leaking, is getting on its last leg? I mean, you can get all the way down into some of the little things that at the end of the day, Bill, you still have to pay for when it’s all said and done.
SPEAKER 09 :
Yeah. Yeah. In fact, you know, there’s been many times, John, where I’ve actually talked people out of doing a job. They’ll call me out, and they’ll be like, yeah, I was thinking about doing this, and I’m looking at it going, why? You know, what’s your end goal here? And they’ll tell me what their end goal was. It just happened yesterday, in fact. You know, they’re like, oh, we just want to kind of put this electrical up in the joist there, because they had an old Denver house, and you know how small or short those ceilings are. And I’m like, okay, well, let’s talk about this. I says, do you want to move up a couple of things? Why don’t you just move them all up? And here’s how you do that. You, you just tear your ceiling down and do it all at once, you know, instead of putting a little patchy in there and then, right. Yeah. Because at the end of the day, that’s going to end up costing you more money. And then we were looking at their furnace because of course all their duct work was ran, you know, you bumped your head into it because it’s a six foot ceiling. And I said, hey, why don’t we put that furnace up in the attic? And now that whole room where that furnace is opens up. And now your entire ceiling opens up. And they’re like, wow, we never really thought of that. But I talked them out of doing the electrical until a later date. And they’re like, you know, well, most people want the sale. And I’m like, well, that’s not really how I run things. You know, I’m not. God will take care of me.
SPEAKER 08 :
But I just do the same thing with people on their vehicles where they’d come in and they would want to do something. And I’d look at it and say, I don’t know who you’ve been talking to. But the reality is that particular item has a lot of life left in it. And yet we’ve got other things here that we should address instead. Let’s take care of these things that really matter. And that other item we can put off a little bit. That’s what good providers do, Bill.
SPEAKER 09 :
Right. Right. And you build that relationship and you build that trust. And, you know, it’s sad to say, John, that a lot of people will get out there and just try to make the sale. A lot of people work on commission. That’s right. But I know a lot of the sponsors you work with and, you know, myself included here that we don’t run that way.
SPEAKER 08 :
No, we do not.
SPEAKER 09 :
You know, we’re we don’t high pressure sales. We just give you the facts and you make the decision. And at the end of the day, that’s That’s how we run things because we’re not here to pressure sales. We’re not here to try to make that money. And, you know, I feel better at night laying down going, you know, I didn’t make the sale, but I was honest with that person and they trust me now. And I have a lot of customers throughout the years, John, that won’t call anybody else because, you know, they know that they’ll call me and I’ll give them the honest answer. I’m not there just to make the sale, you know, so.
SPEAKER 08 :
All right, let’s do this. We’ll come back. We’ve got more to talk about. Myself, Bill, Luke Cashman as well. Guys, don’t go anywhere. Ready Radio, KLZ 560.
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SPEAKER 08 :
Okay, we are back. Ready Radio KLZ 560. Bill Anderson with me. Luke Cashman, my engineer and producer for today. Okay, this is coming again from trueprepper.com and talking about risk assessment. And the reality is, yes, Bill, we all of us, all of us in life, and in some cases there’s different risks that can come along for each and every one of us. And how do I want to say this? It can be everything, Bill, from the financial sides of things like we just talked about. Some people are more prone for health issues, which, by the way, is something I think folks need to take into consideration. It can be any number of other things that affect us individually. We’re not even talking about what happens on a worldwide basis like wars and rumors of wars and things like that. I’m talking about, Bill, just things individually in our lives, and Man, if there’s anything that I could try to get across to people is first things first. And an old pastor friend of mine taught me that phrase, first things first. And for me, Bill, first things first is I’ve got to take care of things in my own inner circle of life, much like that. that instruction we get if you fly on an airplane. You know, put your mask on first, because if your mask isn’t on, you can’t help anybody else out with their mask. And you, Bill, being a pastor, you know this as well as anyone. If you yourself are not fit, healthy, financially sound, and everything else is not going the way that it should, you’re not there to help anybody else out either. Am I right?
SPEAKER 09 :
Yeah, you’re absolutely right, because you’re no good if you can’t help. That’s one of the things that I talk about all the time. And it’s hard for people, especially people who have that bent towards giving, that bent towards giving. having a hard time saying no to people.
SPEAKER 08 :
Which, by the way, Bill, I am one of those. I mean, most people probably don’t know that about me because they hear me on air and probably hear a different side of me. But no, I’m a very giving person. I’m one of those folk where if you ask me something, I’m most likely going to agree to do it. I’m learning, and I’ve learned as I’ve gotten older when. to say no and because if you don’t say no you’ll get frazzled by doing everything for everybody else and sometimes no is the best thing that other person needs to hear anyways that’s a whole another discussion maybe we could talk about on a future show bill is you know how do you say yes and no and how do you make that determination because that’s different for everybody but you know we as owners especially we can have a tendency and you know this to say yes far too much
SPEAKER 09 :
Yeah, and actually I’ve experienced the other side of that, too, because I’ve had a lot of people that have said yes to me and said, hey, I’m going to do this, I’m going to do that, and then they fall through, and it really has a huge impact. It really hits you differently because, you know, and I’m going to be the first to say this, that, a lot of times that happens within the church. You know, a lot of people are like, oh yeah, I’m going to be there for you. I’m going to do this. I’m going to do that. And I’m going to, you know, call you. And then they don’t. And you’re like super disappointed and you’re let down and you’re kind of hurt from that. And so you’re better off to say to somebody, yes, I’ll do that. I mean, the Bible says, let your yes be yes and your no be no. And it’s also very appropriate to say, hey, listen, I really would like to help you, but I just, I’m not in a good spot to do that. And maybe even, hey, I’ve got somebody else that can help you. You know, as business owners too, you and I have experienced this. We have a staff. I have somebody who answers my phones. I have somebody who schedules my appointments, but people feel like they need to call me. And even if they’re friends, they’ll call me and, you know, I have to tell them, Hey, why don’t you give the office a call? I don’t know the schedule. The schedule literally changes moment by moment, depending on what calls come in. And if I sit there and say, yeah, hey, I can be there at this time, not knowing what has happened since I’ve talked to the office there, I could have now double booked myself and now I’ve got a problem. So I’ve had actually people say, no, I want to talk to you. I don’t want to talk to your office. And the office is my daughter, my family. And I’m like, well, no, you need to talk to them. Well, I just want to talk to you. I’m sorry, that’s not my position. And so we have to also understand that. But, John, there’s been a lot of people that have said, I’m going to do this for you, and I’m going to do that for you, and I’m going to look at this, and then they never do it. And it kind of bums you out because you kind of feel let down by those people. I’d rather those people say, no, I’m not able to help you. I’m just too busy or whatever. I don’t like to hear that either, John. But I would rather hear that than to be led along, if you will… just to be let down later.
SPEAKER 08 :
You know what I mean? Right. No, exactly. So, again, folks, what we’re talking about is calculating your risks. It’s different for every single person. Some of you, by the way, and we have talked about this in the past, we’re all in a different place in life. Some have kids still at home. Some, like Luke, are just younger in general. I remember the days of my youth when I was Luke’s age. I’m not that age any longer. I now have kids that are full grown that are even older than Luke and have grandkids. And you’re the same way, Bill. I’m in a different phase of life, meaning the risk assessment, and this is something I think is really important, it changes everything. As we go through those different, I guess you could call it stages, phases of life, what I needed to do risk-wise when I was in my 20s is far different than I am today in my 60s, Bill.
SPEAKER 09 :
Yeah, and I think another thing we fall into, a trap that we fall into, is we may not know what a risk is. Oh, good point. We have our little environment here, and we may not know those things to look at. And that’s where things like this radio show happens. other sources out there can kind of say, Hey, you know, think about this, think about that. And you’d be like, Oh yeah, I never thought about that. Or to your point earlier, use the resources that we have. You could use AI and go, here’s my life and literally tell it all about, you know, some people are freaked out about that, but I’m going to tell you something. The government already knows way more than you think they know about you. So you’re not going to give them any information that they don’t already know. Right. you’re not that important to them that they’re really hanging on a shoestring, you know, hanging on a thread. They’re wondering what you’re going to say anyway, but you know, go ahead and tell it and say, Hey, here’s my house. My house is this old. Here’s my cars. Here’s my situation. Here’s my heck. I even, you know, take a picture of your pantry, take a picture of your, your food storage, take a picture of it and go, you know, where’s, can you help me identify where, some weak points and some things I can shore up. I mean, literally with your phone and your camera and ChatGPT, you can literally walk through your house and take pictures and photographs and I do this all the time, John. I take a picture of my garden and say, okay, what am I lacking?
SPEAKER 08 :
Yeah, good point. And it tells me, John. Well, and I want to jump in here just for a moment. Merriam-Webster defines risk as possibility of loss or injury. So we want to make sure we’re defining what a risk is. So to your point, Bill, some don’t even know what that is. Well, it’s a possibility of loss or injury. So it could be financial risk. It could be personal injury. It could be, you know, circumstances, I mean, you name it, Bill, we could get into all of this and we will as we go through this show and probably next week. I don’t know if we’re going to get all this covered in one day or not, but possibility is called probability and loss or injury is called impact. We start talking about, you know, risk analysis. So you got to look at the hazards, the probability and the impact. So the hazard, of course, is an identified risk with known or unknown probability and impact. And by the way, Back to some of the things around your own home. To me, Bill, a hazard is a 20-year-old water heater. You know it’s on its last leg. It’s only a matter of time. And by the way, they never leak at 10 a.m. They leak at 10 p.m. Right, right.
SPEAKER 09 :
And then you’re trying to call somebody out, and either you’re going to pay through the nose or you’re going to be without hot water for a while. And truth be told, John, some people need to be okay with that. It’s okay to be without water. You’re going to have to learn to be uncomfortable for a little while.
SPEAKER 08 :
True. Well, that goes down to the last one is the impact. Okay, if the impact isn’t as great and you can deal with that on your own and you’re even handy and you can change the heater yourself, well, first of all, if you can change the heater yourself and it’s 20 years old, why haven’t you? That’s a whole other conversation, Bill. But bottom line, if you’re handy and you can get by, like you say, without that, Well, then, okay, then maybe it’s not as big of a deal impact-wise. But every single thing, as we go through this risk analysis, you’ve got to look at, if this were to happen, what’s the impact on me and my life going to be?
SPEAKER 09 :
Yeah, and I don’t know how many times, John. I mean, I still, like I said earlier in the show, you and I aren’t perfect at this. We fall complacent as well. You know, every time that something does break on me and I sit there and look at that and go, I knew I should have fixed that. It happens to me every time. I knew I should have. I knew there was a problem there and I should have dealt with it.
SPEAKER 08 :
Yeah, I can’t tell you, Bill, over the years how many times I’ve said, yeah, I knew that was on its last leg. I’ve been putting it off. And guess what? Now is the day that I need to do something about it. And I should have done it a while ago. Absolutely.
SPEAKER 09 :
And guess what, John? It never happens at the convenient time.
SPEAKER 08 :
No, thank you. What I was saying a moment ago about the heater going bad, the water heater going bad, and I should have added that. It’s never 10 a.m. It’s always 10 p.m. And, oh, by the way, it’s 10 p.m. going into a three-day holiday when nobody’s going to be around.
SPEAKER 09 :
Yeah, Christmas Eve.
SPEAKER 08 :
Yeah, thank you. And Luke’s over here agreeing and nodding his head because, yeah, that’s the way those things work. And I guess what I’m trying to get everybody to do here on today’s program is as you go through analyzing some of these things and knowing where some of your risks are at, and we’re talking about the inward things right now. what’s going on in your own life your own home uh your kids and so on and really quick bill i could throw into this even the technological sides of things okay we all know that and you talked about cell phones earlier but we all know that cell phones and computers they do have a lifespan they start to slow down as they age so on and so forth you know i can’t tell you bill over the years how many even with some of my own clients that i coach how many times a crisis comes up because they’re working on a five-year-old laptop that should have been replaced two years ago, and then they wonder, how do I get my data back?
SPEAKER 09 :
Yeah, the prime example is, you know, back in the day, I guess it’s not an issue anymore because we have autosave. But, you know, the prime example of, you know, you and I are very familiar with this. You know, the computer program crashes, Word crashes, or whatever it is, and you haven’t saved it. And you’re like, oh, my God, now all that work to redo again. And so, thankfully, we have autosave now. But to your point, that’s a perfect example of, of the same application here. Don’t get stuck where all that work you just did was for nothing. That’s right.
SPEAKER 08 :
That’s right. So again, folks, what I’m saying is, and some of you that are business owners, you need to go through and look at some of the risks in your own business. And what I mean by that is, okay, if you’ve got all of your eggs in one basket where you’ve got the majority of your customers coming from one source, you’re probably need to analyze that. That is a huge risk, and you need to minimize that risk by having more customers. I mean, Bill, I’m talking very simplistic here, but these are things that, believe it or not, a lot of times nobody thinks about.
SPEAKER 09 :
Right, and it happened to us. I mean, you know our story. That happened to us in a big, big way. I mean, we’re talking literally, John, millions of dollars that we had impact on. And my problem was I was so busy within that I didn’t have the time to or I didn’t set aside a time, I guess a better word is I don’t make it a priority to set aside a time to build that. I did try to, but I didn’t have the right people in place to help me do that. And so, boom, now I’m where I am today because of that.
SPEAKER 08 :
Yeah, and again, folks, I’m not trying to pigeonhole anybody or chastise anybody, Bill. I want everybody to openly look at their own lives and say, Oh, and by the way, some of this can come down to really easy, small things. You know, you’re a person that relies on eyewear, you know, glasses. And the glasses that you’re wearing, there’s no spare pair. In fact, the glasses that you’re wearing may be getting to the point where you know darn good and well that one of those, you know, arms on your glasses could break at any given time. Or you wear contacts and you know you’re down to your last box. Okay, when are you going to order that next box? I mean, Bill, some of these things, I know I’m sounding very simplistic, but all of these things apply to what we do on a day-to-day basis.
SPEAKER 09 :
Yeah. And like I said, we get complacent and we also get in that convenience trap that I covered one day when you were gone that we think, oh, no big deal. I’ll just run down the store and grab some. Right. But now we got the oil issue and we don’t understand the impact of the oil that’s going to have on other countries that we may import those contacts from, let’s just say. That’s right. Or, you know, I mean, you’ve got to think more beyond that. And Costco has really been a good teacher for me because as you know costco sometimes has really good stuff and then you buy it and you’re thinking it’s always going to be there and you go back and that’s not there they don’t have it anymore that’s right and so i’ve gotten this habit of you know hey i like this certain pair of shoes or i like these socks i’m going to buy like 20 of them i mean that’s maybe a little excessive on shoes but i have been known to buy five pairs of a shoe that i like And I’ve got them in the closet, and I don’t have to worry about going and buying them anymore because I know that’ll last me a while.
SPEAKER 08 :
You just reminded me of something. I’m going to give everybody a little tip. And I don’t know if I’ve talked about this particular website much before, but I need to mention it because especially for you guys that are preppers out there where you’re really trying to be ready for all of the what-ifs and your shoe – description just reminded me because i just bought a pair of shoes from this particular site because there’s a particular pair of shoes i wear dress shoes that i usually wear especially in the summer months and i love them and they’re comfortable and i found them on this website and they were Half price. And so, yes, even though I had a pair, I bought an extra pair because it’s half off and it’s the I know my size. I know they’re comfortable. I mean, all the things that we’re talking about, Bill, that’s what applies here. Now, this site and I think I’ve mentioned this maybe once before, but this is a great site. for the prepping sides of things. It’s a lot like Costco, and what reminded me of it, Bill, is when you said if you’re going to buy it, buy it, because they may not have it tomorrow. And this site is called Woot, W-O-O-T. There’s an app as well. Woot is Amazon’s closeout site. So if you subscribe to Woot and you’re an Amazon Prime user, You’ll get a daily update as to the things that they have on sale. So here’s a great example, Bill. In fact, I told my wife, I said the other day, I said, OK, when it comes to Father’s Day, here’s what I want. So if anybody’s asking, here’s what I want. And it was I’ll tell everybody what it is because it’s no secret now because I went ahead and bought it because it was so much cheaper. So I wanted the small. 12-volt, half-inch impact Milwaukee, which, by the way, is strong enough to even take lug nuts and things off. It’s a really great handy tool, and I’m a tool freak. And do I need it? No. But do I want it? Yes. And so that’s what I wanted for Father’s Day. They’re normally billed about $275. These are not cheap impact wrenches. Woot had a sale, a closeout the other day. It was $170. So it was $100 off. And yes, I went ahead and bought it because that’s the kind of sales that they’ll have. Now, here’s the thing. If you don’t buy it quickly enough, somebody else will, and they’ll run out. So it’s one of those things where for a lot of you that are preppers and so on, because they have a lot of things that go in kind of the prepping end of things. I mean, Bill, everything from… clothing to jackets to fire starters to a lot of the things that you and I talk about having on hand on a weekly basis. If you stay with Woot long enough, you’ll find some of those items for a fraction of the price of what you would pay full retail on.
SPEAKER 09 :
Yeah, I’m sure. Hopefully Heidi’s not listening because you probably just got me in trouble.
SPEAKER 1 :
Yeah.
SPEAKER 08 :
It’s a great site for those of you listening. And there’s days where, you know, you really have to peruse and say, is this something I really need? Now, those of you that are business owners as well. You know, for example, we needed some extra UPS backups the other day in my business. So my son and I were out looking and we’re like, OK, here’s what we need when this comes up. It’s not an emergency, but when this comes up on Woot, for example. here are the ones that we actually need to get ordered. So I’ll keep my eye open when they come up the next time around. I’ll make sure I buy them. They come up periodically. And sometimes, folks, they’re refurbished items and so on. These are sometimes things that get sent back to Amazon, and maybe the box is a little bent and dinged and so on, so they resell it on Woot. But the prices are cheap enough, and the products that I’ve always received, frankly, it’s no different than buying them right off of Amazon, but they’re typically half off, Bill.
SPEAKER 09 :
Yeah, and you know, that reminded me, John, as you said that. I’ve known the guy for a while. I haven’t talked to him in a little bit. But during the ammo shortage, you remember when all the ammo was super pricey and stuff. And I don’t know what he did or how he did it. I don’t quite know that technical side of things. But he told me he paid, and maybe it’s a subscription thing, but he paid for a box. And this bot would go out daily and search all these sites and then report back to him what the sales were. I wonder if there’s somebody or if anybody who knows of anything like that, maybe they can chime in here. But it’s like, man, maybe that’s something you could set up.
SPEAKER 08 :
That would be worth looking at. Yeah, I’ll do a little research on that as well. So, guys, let’s do this. We’ll take a real quick timeout. We’ll come right back. Again, Bill Anderson with me. His website is prep2protectco.com. Luke Cashman with me as well. This is Ready Radio. We’ll be right back. KLZ 560.
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SPEAKER 08 :
All right, we are back. Ready Radio KLZ 560 talking about really threat assessments, risk assessment when it comes to your own life, your own world. And again, we won’t get all of this covered today because there’s things that I want to get into, Bill, that we can start as we expand, I guess I should say, the circle. So we’ve been talking really kind of inner today. You know, what are you doing in your own personal life, your own family? We just got done talking about even the ability to buy some of the things that we’re talking about. And by the way, how do you save money? And it’s not always about buying in bulk, Bill. Sometimes it’s just about finding the right deal. Your point a moment ago about this particular bot that would go out and find you where all these sales are at and so on. I mean, reality is finding things as inexpensively as possible at the end of the day, going back to the budget thing we were talking about earlier, just frees up capital to go do other things with.
SPEAKER 09 :
Yeah, yeah. I mean, while the break there, I was looking at Woot. So, again, thanks. You just got me in trouble. Sorry. I got, you know, I like the zipper sweatshirts because, you know, the pullovers are great, but I like the zipper ones. Normally $20, $6.99. So I just threw two in the car.
SPEAKER 08 :
And that’s the kind of stuff that they have on there on a routine basis. You know, the other thing I was going to say, too, along these lines, and this is something I talk about on Saturday on Drive Radio constantly, and that is, you know, I’ve always said on Drive Radio, never buy a car when you have to. And what I mean by that is when you buy a car when you have to, you make bad decisions and you buy in a hurry. You can’t shop. You don’t have the ability to make your best deal and so on. You always buy a car prior to actually needing that car. And I think, Bill, I could extend that on to other areas of life. Never buy things when it’s a crisis. Try to buy things on that old work on the front side versus the back side. Try to buy things when you don’t need it. You know you’re going to need it at some point, but it’s not a crisis. It’s not something you have to have today. So in turn, you get a better deal on said product.
SPEAKER 09 :
Yeah, and there’s also a balance to that too, John, because not everybody’s got… you know, room. Some people live, you know, in apartments or maybe they’re even just renting a bedroom from somebody. And all of a sudden now, you know, you can have that mindset and you can go to the extreme of that too. And you become a hoarder if you’re not careful. Yeah. Not only that, but then you’ve got all this stuff that you think you’re going to use someday. And I, you know, my tower garden, remember the story of my tower garden? I told you sat in the box for four years. I finally got it up and running now. And we’re, eating off of it now, and it’s a great thing, but it’s sat in the box for four years, and, you know, we’ve got to be careful, too, because you could go out and buy all this stuff going, oh, I could use that someday, and that someday never come around, and you may have a situation. Like what you’re personally familiar with, now you’ve got a – maybe there’s a death or something like that. Now you’ve got a bunch of stuff.
SPEAKER 08 :
That’s right. No, no, no. Thank you for saying that. You’ve got to be very smart and wise about all of these things that we’re talking about. Again, whether it be Woot, Costco, your local grocery store, and there’s a sale on something, just because it’s on sale doesn’t mean you necessarily – you have to buy it. That’s where I think, Bill, you really need to look going back to this risk assessment end of things. I mean, okay, is it a staple item? You know, for example, is it a staple item like sugar and flour that you’re always going to use no matter what? Well, if that’s the case and something’s on sale, well, then by all means, if you’ve got the ability to store it, then you know what, go for it, store it, buy that extra whatever it is. Now, if you’re on a limited budget and you’ve got limited storage and so on, well, then you’re going to be a little bit more limited on the things you can actually do, although your idea of using AI to help with some of that even, because what I’ve learned through the years, Bill, is there’s a lot more ways to store things than what sometimes people really imagine. even imagine even that one bedroom apartment okay what kind of shelving and things can you put around even the upper parts of that room that would enable you to store some things that you wouldn’t be able to store otherwise because you think you don’t have room but you’ve got all this floor to ceiling room that’s not being used and people tend to never look up when it comes to storage bill yeah that’s true that’s a good point on that you know and like i said there’s always a an extreme to things that i tend to go to the other side of the extreme and luckily you know i have
SPEAKER 09 :
my wife to help balance me out in some of those. And there’s times where I’m really thankful that I did go ahead and buy something. And sometimes I look at something going, yeah, I never should have bought that. Yeah, never going to use that item. never going to use that item and then sometimes i think i’m never going to use that and then oddly enough the next day or so i find myself using it and the other thing too john is you forget you have it we’ve we’ve had that conversation before about the vehicle remember we’re talking about packing the vehicle and put using all these compartments and stuff and i said one of the dangers of that is i forget i have it right and then you’re going through your stuff you’re like oh yeah i’ve got six of these now because right i forgot i had it and i bought it six times or whatever
SPEAKER 08 :
Yeah, and really, what I’m talking about for a lot of you guys that are listening out there, business owners attract business owners. I know a lot of you listening are business owners, and there’s a lot of consumables that you guys in business use. And in that case especially, be watching for the deals. I mean, if you’re somebody that, for example, uses a lot of nitrile gloves, okay. Woot, for example, is a great website where they’ll have those things on special periodically. And when they do, you know, stock up because a lot of you guys out there listening, those are the types of things that you use on a regular basis. And Bill, those are the things I really I guess I’m trying to focus on for people is if it’s a staple item, you know, you’re using it regularly and you can save 50 percent on said item. Do so.
SPEAKER 09 :
Yeah, absolutely. You can definitely use those things that you use, you know, just buy it regularly, you know, and there’s another side of this too, that, you know, if you have enough, I once was talking to another pastor and sometimes when you talk about pastors and they find out that you’re, you know, buying extra, you’ve got extra stuff and they kind of give you the evil eye because they’re like, well, you should, you’re hoarding it. You’re, you should be doing this or you should be doing that. And I was like, Hey, You can’t give it away if you don’t have it. Right. And you’re being more prepared. And he was like, oh, that’s actually a good point. And it’s like, you know, I buy all this stuff. I put all this stuff away. Why are you doing that? Well, you can’t give it away if you don’t have it. You’re really going back to how you started this show, John. If you haven’t taken care of yourself, you’re no use to anybody else.
SPEAKER 08 :
That’s exactly right. And if you’ve got that ability to have some extra things, I mean, I know that people are going to laugh at me on this one, and my wife did, because the other night it’s, I don’t know, I couldn’t sleep. Middle of the night, it’s like 1 a.m. I’m like, oh, you know, might as well go out and peruse the Internet and see what’s going on and, you know, all that kind of stuff. Can’t sleep anyway. I’m up, it’s 1 a.m., and I go to Woot, I don’t know why, and you’re going to laugh, but they had ramen noodle for like half price. Now, some of you would think you would actually eat ramen noodle. You know what, Bill? Yeah, sometimes even just for a snack, is ramen noodle all that grateful? No, but is it a nice filler occasionally? And is it a really cheap meal? You know, when you can buy ramen noodle for 50 cents a pack, Bill, that’s not a bad. And they’ll store for a really long time. Not a bad preparedness item to have kicking around because all you got to do is add hot water.
SPEAKER 09 :
Yeah, that’s a perfect example, or, you know, tuna fish. Exactly. One thing that I bought on Amazon, and now that I’ve got this Woot thing, you know, I buy those little packets of tuna and salmon, the flat ones, you know, usually a buck or so. That’s right. And, you know, what a great thing to have in your glove box or in your lunch kit. You know, I call my little pack that I carry around every day my lunch kit. Correct. And, you know, a can of sardines. And do I like sardines? No. No? But I sure like them versus a $20 Happy Meal at McDonald’s.
SPEAKER 08 :
Well, and let’s say we get to the point where there’s no more Happy Meals left. You know what? You’ll eat sardines all day long then.
SPEAKER 09 :
Yeah, and it goes back to what we talk about continuing on this program, too. You’ve got to practice your preps. That’s right. You know, I don’t need to eat the ramen noodles. I’ve got the fresh stuff. But you know what? Today I’m going to fire one up. I just sent you a text picture because as I’m sitting here on the show, I boiled myself some coffee on my jet boil. I don’t know if you saw that text or not, but, um, you know, it’s like, Hey, I’m practicing my preps. I mean, do I need to boil my little coffee and get my little instant coffee out and do that? Or could I run through seven 11? Absolutely. I could, you know, when I’m sitting here doing the show, talking to you and let’s just go ahead and boil some up. I do that quite often actually. And then, you know, another, you know, uh, Oh my gosh, I lost my words. Another advantage of doing that is when push comes to shove, guess what? I know how to do this. I know that my thing’s going to work. I know if I’m out of fuel. I’ve done this a hundred times, let’s just say. How many people out there have steel in Flint and they got all this fire-starting equipment, but they’ve never done it, John, and all of a sudden they think they’re going to be saved by doing this?
SPEAKER 08 :
No, and again, folks, please, what I’m saying is, yeah, and Bill made some great points earlier. Don’t hoard. Don’t overbuy. Don’t buy stuff you’re never going to use. That’s a waste of money, and I’m definitely not talking about that by any means. But when you’re talking about the consumables, the things that you know you want to have on hand for the what-ifs of life, that ramen noodle, for example, for that— You know, that that day that you may end up snowed in for several days and, you know, you can’t get out. Well, guess what? Could you live on ramen noodles for two or three days? Sure, Bill, you definitely could. It’s better than you’re not going to starve in two or three days. I get that. But reality is, could you make that work if you had to? Absolutely. So what I’m getting at, folks, you know, please. Yeah, by no means don’t overbuy. Don’t buy things that you’re never going to use. If it’s something you think you would use or you would give away to somebody else that they could use, that’s a whole different ballgame. If that’s the case, then, you know, by all means, you know, do so. But at the end of the day, Bill, yeah, be conscious of what you’re buying. But my point is when you get to where you’re buying things thoughtfully, On the front side, you know, the old saying of never go to the grocery store when you’re hungry because you end up buying a bunch of stuff that you wouldn’t buy regularly. So it’s kind of the same thing here. Buy when you’re not really needing it. You’re going to buy it more wisely than when it’s a crisis.
SPEAKER 09 :
Absolutely. It’s, again, being proactive versus reactive. And pay once. You’re always going to pay. Pay earlier is usually cheaper than paying later. All of these principles come into play that we’ve been talking about. And the technique, the particular item, whatever it may be, can change, but the principles don’t, John. If you just keep these basic principles, you know, they’ll carry you a long way.
SPEAKER 08 :
Okay, real quick, we’ve got about 45 seconds. Any classes or anything coming up you want to talk about on your end?
SPEAKER 09 :
Yeah, I’ve got to get some more classes up on this calendar. The weather’s nice. I’ve got a lot of people asking about them. If you go to the PrepToProtectCO.com, there’s lots of links. There’s links to Arc Electric, our electrical business. There’s links to the church, and you can go. There’s links to school. I have this wonderful Christian university, if you will, community they call it, and you can jump on there and you can go there. through the books that we go through. We teach at our church book by book. So right now we’re currently in Genesis and John. We teach ancient Hebrew and how to read Hebrew. We’ve got Proverbs in 30 days. It’s really a free resource, John, that a lot of people, again, can take advantage of if they want to.
SPEAKER 08 :
Bill, as always, I appreciate it. We’ll talk next week. We’ll continue on with risk assessment. Have a great rest of your day. Ready Radio, guys. KLZ 560 website, ready-radio.com.
SPEAKER 03 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
