Sunday, April 17, 2016

A New Name and a New Site

Our new website  is Hippy Tips.  Come and see us!

Tuesday, March 29, 2016

Pantry Essentials for Scratch Cooking

The 25 Pantry Essentials You Need for Scratch Cooking

- Daisy  Luther, The Organic Prepper

Does your pantry contain all of the basics for scratch cooking? There are 25 ingredients that you need in your pantry at all times to cook from scratch.
More and more people are reclaiming the lost art of cooking from scratch in an effort to save money and avoid the trend toward processed food. A good pantry should have everything you need to whip together a pie, a loaf of bread, a casserole, or a batch of biscuits with no trip to the store required.
This is a list from my book, The Pantry Primer, of the things you need to go with your whole foods to turn them into delicious meals, so you won’t find things like canned goods, flours,  grains, meats, or veggies. These ingredients are the supporting actors to the starring roles. If you like to think ahead, be sure to acquire these items in multiples – you should never run out of them. Many of these basics can be purchased in large quantities. One of my favorite destinations for pantry basics is Amazon, where I purchase yeast, aluminum-free baking soda, and other building blocks of a scratch pantry. I have also acquired 50-pound bags of organic sugar at Bulk Barn for a reduced price.

What basics do you need for scratch cooking?

To build your stockpile, look through your cupboards and see what you use the most. Every kitchen will be different but below are my most-used items – the ones that I search out and buy in bulk.  Links are for high-quality versions of these items, as opposed to store brands that could come from more questionable sources. Feel free to select whatever version you prefer of the items – just be sure to load up and get prepped! :)

Baking Items

Fats

  • Olive oil
  • Coconut oil
  • Shortening
  • Butter
  • Lard (we get this locally rendered)

Sweeteners

Other

  • Salt
  • White vinegar
  • Apple cider vinegar
  • Balsamic vinegar
  • Black pepper
  • Herbs and spices
  • Cornstarch (please consider organic for all corn products)
  • Lemon Juice

Tuesday, March 22, 2016

Chicken Jerky

Perfect for on the go, camping or anytime snacking.  This chicken jerky will keep you coming back for more! The Homesteading Hippy #homesteadhippy

In an effort to clean out our freezers for the upcoming gardening, chicken and turkey “season”, I have been making a lot of jerky lately.

My kids love it, my hubby loves it, and the dog loves it as much as she can. Well, when no one is looking anyway. After all the canning of chicken, (you can read that here) making of soup for the pantry (read that here) and broth galore,(read how I can my broth here) I needed to do something else with it. So, chicken jerky came to be in our home.

When I am cutting up a whole chicken, I usually save the breasts for later meals.

I also de-bone the thighs and use them like the breasts when I can. They are more versatile in recipes than the legs are, at least to me. So, it’s mainly leg meat I am using here. What you will need to do is cut very carefully down the leg meat and slice it in 1/2. Then, cut the main part of the meat off the bone. You will want to be using a very sharp knife for this, as it will minimize your risk of injury from it slipping.Perfect for on the go, camping or anytime snacking.  This chicken jerky will keep you coming back for more! The Homesteading Hippy #homesteadhippy

The leg meat has a lot of tendons, and you will want to make sure to take as much off as you can.

This can easily be done with a sharp knife, and just cutting it as close to the meat as possible. Once you have your meat cut off the bones, stick the bones in some water and make some broth. Next, you will want to soak your meat in a marinade overnight.

I used my father’s recipe for beef jerky, tweaking it some for chicken.

What you need:
  • 1 cup olive oil
  • 1/2 cup apple cider vinegar
  • 1 T. garlic powder
  • 1 T. onion salt
  • 1 tsp. black pepper
  • 3 T soy sauce (get the homemade version here)
  • Simply add all the ingredients in a large bowl, and toss the chicken in. Stir to coat all the pieces, and allow to marinate for 12-24 hours.

    Once the pieces have marinated

    simply remove them, and place them on a dehydrator sheet. You can find the one I use here and dehydrate on medium high (145) for 12-24 hours. You do NOT want to be sampling this until it’s fully dry, or the germs may not be all killed. This is a great time to add beef jerky that the kids won’t touch, by the way. After 24 hours, check the pieces. They need to nearly break when you bend them. This way, you know the water is all out. Otherwise, you risk mold. Store in an airtight container for up to 4 months. Honestly, though, I haven’t had a batch last longer than a week…it’s that good!

    Monday, March 21, 2016

    Painkiller Crisis

    Prescription Painkiller Crisis: Why Do Americans Consume 80 Percent Of All Prescription Painkillers?


    Pills Prescription Painkillers - Public DomainIf Americans are so happy, then why do we consume 80 percent of the entire global supply of prescription painkillers?  Less than 5 percent of the world’s population lives in this country, and yet we buy four-fifths of these highly addictive drugs.  In the United States today, approximately 4.7 million Americans are addicted to prescription pain relievers, and that represents about a 300 percent increase since 1999.  If you personally know someone that is suffering from this addiction, then you probably already know how immensely destructive these drugs can be.  Someone that was formally living a very healthy and normal life can be reduced to a total basket case within a matter of weeks.
    And of course many don’t make it back at all.  According to the CDC, more than 28,000 Americans died from opioid overdoses in 2014.  Incredibly, those deaths represented 60 percent of all drug overdose deaths in the United States for that year
    A report released by the US Centers for Disesase Control and Prevention (CDC) in January revealed that drug-overdose deaths reached a new high in 2014, totaling 47,055 people. Opioids, a type of powerful painkiller that requires a prescription, were involved in 60% of those deaths.
    Many Americans that start out on legal opioids quickly find themselves moving over to heroin because it is often cheaper and easier to obtain, and the U.S. is now facing a tremendous epidemic of heroin abuse as well.  In fact, the number of Americans that die of a heroin overdose nearly quadrupled between 2000 to 2013.
    Finally, the federal government has started to take notice of this crisis.  A bill was recently passed to spend more than a billion dollars over the next two year fighting this problem.
    But as long as doctors are writing thousands upon thousands of new prescriptions for these painkillers each year, this crisis is not going to go away any time soon.
    In the Appalachians, these prescription painkillers are commonly known as “hillbilly heroin“, and all of the attention that the New Hampshire primaries received focused a lot of attention on how this crisis is destroying countless numbers of lives up in the Northeast.  But one survey found that the states with the biggest problems with painkiller addiction are actually in the West
    The National Survey on Drug Use and Health, a survey of approximately 67,500 people across the United States, found that the states with the highest rates of narcotic painkiller abuse were in the West – Arizona, Colorado, Idaho, Nevada, New Mexico, Oregon and Washington.
    Unless you are about to die, I would very strongly recommend that you resist any attempt by your doctor to put you on these “medications”.  Just consider what happened to one stay-at-home mother named Norah Mangan
    I am an educated, suburban wife and stay-at-home mother of four. Life had been good to me until a fateful visit with an orthopedic physician, my chief complaint being mild arthritic pain in my toes. My physician handed me the first of many monthly prescriptions for Oxycodone and what followed that appointment was a rapid descent into hell. Within six months, I had become a raving drug addict.
    Before too long, Norah had to turn to means that were less than legal in order to keep fueling her addiction.  Her life was turned into a complete and utter disaster by drugs that were legally prescribed to her…
    It wasn’t long before my legal monthly prescription fell woefully short in terms of keeping my life altering pain at bay. In the interest of not incriminating myself, I’ll simply share that when procured through other means, Oxycodone generally sells for one dollar per milligram. I was draining our savings and was out of my mind. I was so tortured that I didn’t care about the deterioration of my moral values, in fact, I didn’t even notice.It’s hard to imagine that in such a short period of time I had morphed from a Mrs. Cleaver, baking hot cinnamon buns in anticipation of my children’s arrival home from school, to Scarface crushing pills on the glass top of the executive desk in our home office while thinking to myself as I heard them arrive from school…why oh why are they home already?
    You can read the rest of her amazing story right here
    The truth is that we are the most drugged people on the face of the planet.  It has been estimated that 52 million Americans over the age of 12 have used prescription drugs in non-medical ways, and this problem gets worse with each passing year.
    According to research that was published in the Journal of the American Medical Association, 59 percent of all U.S. adults are currently on at least one prescription drug, and 15 percent of all U.S. adults are on at least five prescription drugs.  And the numbers are far worse for older Americans.  The following statistics come from one of my previous articles
    According to the CDC, approximately 9 out of every 10 Americans that are at least 60 years old say that they have taken at least one prescription drug within the last month.
    There is an unintentional drug overdose death in the United States every 19 minutes.
    In the United States today, prescription painkillers kill more Americans than heroin and cocaine combined.
    According to the CDC, approximately three quarters of a million people a year are rushed to emergency rooms in the United States because of adverse reactions to pharmaceutical drugs.
    The percentage of women taking antidepressants in America is higher than in any other country in the world.
    Children in the United States are three times more likely to be prescribed antidepressants as children in Europe are.
    A shocking Government Accountability Office report discovered thatapproximately one-third of all foster children in the United States are on at least one psychiatric drug.
    A survey conducted for the National Institute on Drug Abuse found that more than 15 percent of all U.S. high school seniors abuse prescription drugs.
    We are a deeply unhappy nation that has been trained to turn to pills as a “quick fix” for our hurt and our pain.
    Yes, there are medical situations that call for prescription pain relievers.  But what we are seeing in America today goes far, far beyond that.  We are a nation of addicts that is always in search of a way to fill the gaping holes that we feel deep in our hearts.  This prescription pain killer crisis is just another symptom of a much deeper problem.
    So what is the solution?

    Sunday, March 20, 2016

    The Great American Grocery Hoax - Daisy Luther

    April 10, 2014

    The Great American Grocery Hoax



    There is a big secret out there in the grocery store aisles that no one wants you to know.  There is a hoax of monumental proportions that is being perpetrated on the American public.
    Before I tell you what it is, let me remind you of some things that you already know.
    It’s no secret at all that the American economy is in dire straits. Unemployment has skyrocketed and today’s dollars buy a lot less than the dollars of just a few years ago. Even the most thrifty shopper will pay substantially more for a cart full of groceries.  To make matters worse, our country’s main food-producing areas have been devastated by droughts, and you can expect that prices will only go up from here.
    So people work for slave wages, if they can find work at all, then go to the grocery store and buy what they can afford.  And that is where the secret comes in.
    The secret is:

    The stuff sold there is not actually food.

    Nutritional Anarchy has posted a couple of videos recently about the massive number of ingredients in inexpensive processed food items.  You can learn about what is contained in a Hungry Man Homestyle Dinner HERE and about the gastronomical delights that 48 cents will buy you HERE.
    If you’ve ever been broke, you can easily see how a “meal” for a couple of dollars or less would be an appealing addition to a grocery cart.
    But here is the scary epiphany:

    The stuff sold there is not actually food.

    I guess this depends on one’s definition of the word “food”.
    Dictionary.com says “food” is:
    any nourishing substance that is eaten, drunk, or otherwise taken into the body to sustain life,provide energy, promote growth, etc.
    Merriam-Webster says “food” is:
     material consisting essentially of protein, carbohydrate, and fat used in the body of an organism to sustain growth, repair, and vital processes and to furnish energy; also :  such food together with supplementary substances (as minerals, vitamins, and condiments)
    The Oxford Dictionary says “food” is:
    any nutritious substance that people or animals eat or drink, or that plants absorb, in order to maintain life and growth
    Traditionally…and by traditionally I mean ever since there were humans on the planet eating stuff…food came from one of these sources: plants or animals.  It has been hunted, gathered, foraged, cultivated, and farmed.
    But now these substances are being created in a lab environment. From purely synthetic ingredients, compounds are formed.  Sometimes a bit of the original food is present, perhaps a small bit of meat or vegetable or grain, and that item is stretched with chemicals to turn it into a food-like substance. The substance is shaped to look like food. It is artificially colored and molded into forms like some kind of semi-edible play-dough.  Then scents and flavors, also artificial, are added.  This makes the substances resemble food even more because now it tastes and smells like food.
    Because it isn’t immediately lethal to ingest, those noble guardians at the FDA slap a label on it that the substance is GRAS – Generally Recognized As Safe.
    Then the substance is placed into little plastic trays, foil, bags, or cellophane. That is placed inside a box with an illustration on the outside. The illustration looks like the food that the substance inside all of the packaging is supposed to taste like.  Perhaps it is a juicy roast beef dinner with mashed potatoes, savory gravy, and carrots.  Your brain processes this visual stimuli and expects that the substance contained within is indeed “food.”
    But it isn’t.
    It’s a scam.  People go to the store to buy food, but they are sold something else, something that only pretends to be food.

    The stuff sold there is not actually food.

    Only a tiny fraction of the contents of that box is actually food. Your ancestors would not recognize this as food at all.  If you dare to eat this, you are consuming a food substitute that is being passed off to you because there is no food left for the likes of us.  Most of what is being sold in the grocery store is NOT ACTUALLY FOOD. It is food-like substances. It is a pile of chemicals masquerading as food to satiate hunger and deceive those who consume it into believing that they are eating food and ingesting nutrients.
    Did you ever see the movie Soylent Green? In the movie, the futuristic over-populated world no longer can provide food for the population.  Instead processed food-like substances are rationed out to keep people alive.  Initially, there was Soylent Yellow and Soylent Red, but then, a new product, Soylent Green, became available in limited quantities. The actual source of Soylent Green is a closely guarded secret: no one is allowed to know what is actually in it.  Consumers are deceived with some scientific sounding descriptions until the awful truth comes out.
    Does this sound familiar?
    While Soylent Green was actually made from ground up humans (sorry, spoiler), the origins of what is being sold in our groceries stores today are no less mysterious or closely guarded.  Soylent Green was so delectable to the unknowing public that they would commit heinous crimes to get more.  The food-like substances in the grocery stores are loaded with processed white sugar (which actually has addictive properties similar to heroin), high fructose corn syrup, and MSG, which stimulates the production of hunger hormones, giving a whole new meaning to that fun slogan, “Bet you can’t eat just one.”  If you eat this stuff,you will be hooked because they want you to be hooked.  You will be perfectly content feeding your addiction instead of nourishing your body.  You won’t even MISS actual food.  The next generation may not even know what actual food IS at the rate these processed concoctions are filling pantries and refrigerators in homes across the country. Those with lower incomes are particularly targeted by this, because unless you are making good money, it’s nearly impossible to purchase nourishing, whole foods.
    I’ll give you a hint: if it is sold in a box and it has more ingredients than you have fingers, it probably isn’t food by any accepted definition.
    It might keep you alive, but it will not keep you nourished and healthy.
    Big Food doesn’t really care if you die from eating this stuff, as long as you don’t keel over immediately – then they’d be liable.  They don’t care if you develop cancer or if you are malnourished.  That actually just helps out their buddies at Big Pharma.  Then they can go play golf together on the proceeds.
    There is a conspiracy afoot and you can find evidence of the massive deception as close as your nearest grocery store, fast food establishment, or corner store.  They are selling poisonous artificial food, and people are happily paying them for it.

    Commit Nutritional Anarchy.

    Rebel.  Just say no to food-like substances.  Declare war on Big Food.
    • Refuse to eat these products that are flavored with brain-cell killing neurotoxins that tickle the pleasure centers in your brain and make you want more.
    • Grow what you can – no matter how little, it is going to be better and healthier than what you’ll get at the store
    • Buy ingredients instead of “meals” in a box.
    • Cook from scratch.
    • Visit your farmer’s markets or local farms.  (Find one near you HERE)
    • Learn what to eat when you’re broke – make the best choices when you are on a tight budget.
    • Build a whole-food pantry.

    Straw Bale Gardening

    Straw Bale Urban Gardening ~ Ideas and Getting Started

    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale,
    (source)

    Straw Bale Urban Gardening ~ Ideas and Getting Started

    If you’re an urban gardener, you may have thought of straw bale gardening. If you are hoping to find enough space to grow even a tomato plant or two, “building” a garden with straw bales creates a whole new range of possibilities.

    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale,
    For those with limited space, poor soil, or only one spot on your property that gets the proper sun exposure to grow food, it could be a great solution.
    The bales (like most above-ground gardening techniques) will need extra water and fertilizer during the early period.  However, those early water needs will decrease as the bale decomposes. Later, it will be able to hold MUCH more water.
    Earthworms also known as nightcrawlers are attracted to the damp straw that shelters them during hot weather. Their casting help bales to decompose and improve the soil bed as the bales compost.
    You can find out more of the details here. This is one of the better posts on the topic because they recommend use of bone meal, fish meal, or compost for a more organic approach. Others recommend urea (horse or cow urine often contaminated with antibiotics and hormones) or other harsh chemical to condition your bales, but I would not use it. The post discusses:
    • Straw Bale Selection
    • Curing the Bale including Soaking and Fertilizer
    • Planting
    • Watering and more

    A Picture Is Worth A Thousand Words:

    Joel Karsten’s Cukes and squash in double rows~
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale,
    Lettuces, arugula, spinach for fresh salads daily~
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale, spinach, arugula, red leaf
    Cabbages, basil, and flowers~ tuck the flower starts right into the side of the bale and water.
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale, potager
    (Wikipedia Commons)
    Broccoli ~
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale,
    Karsten’s Tomatoes in an arch with strong support~
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale, tomato arch
    Carrots~
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale,
    Other vegetables to grow in straw-bale beds include parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas and zucchini in summer; in winter, chard, garlic, kale and leeks.
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale, basil, lettuce, marigolds,
    (Note: you can see the orange polyester binding cord above if you look closely)

    One Other Way To Use Straw:

    Last year we used wheat straw effectively for growing heirloom French Charentais melons. The straw (heavily laid down under and around the plants) helped keep the plants clean and from exposure to squash bugs.
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale,
    Same with straw under raspberries. We found a heavy (6″) layer of straw under our Heritage red raspberries keeps out weeds, and it breaks down to wonderful compost, holds water in the soil, and increases soil nutrition!
    Straw Bale Urban Gardening ~ Ideas and Getting Started, how to start, straw, hay, small garden, nightcrawlers, earthworms, soil, fertility, above-ground gardening, limited space, bone meal, fish meal, compost, organic, planting, garden, watering, no weeding, Joel Karsten, books, cucumbers, squash, rows, double rows, Lettuces, arugula, spinach, fresh salads, Cabbages, basil, flowers, carrots, broccoli, herbs, tomatoes, arch, trellis, support, parsley, green beans, mustard greens, peppers, potatoes, radishes, beets, okra, spring peas, zucchini, chard, garlic, kale, leeks, heirloom, French Charentais melons, small scale, Heritage raspberries, straw in beds
    Even if you have space limitations and want to garden on a smaller footprint than most, you can save a decent amount of money by growing your own food  — more than $1,200 if you plant tomatoes, potatoes, zucchini, salad greens or strawberries, according to the analysis of one Maine gardener.
    So why don’t you give straw bale gardening a try on the small scale and see if you don’t love being able to grow your own fresh vine-ripened tomatoes!

    Saturday, March 19, 2016

    Credit Card Debt is Killing You

    Credit Card Debt In The United States Is Approaching A Trillion Dollars


    Credit Card Debt - Public DomainFor the first time ever, total credit card debt in the United States is approaching a trillion dollars.  Instead of learning painful lessons from the last recession, Americans continue to make the same horrendous financial mistakes over and over again.  In fact, U.S. consumers accumulated more new credit card debt during the 4th quarter of 2015 than they did during the years of 2009, 2010 and 2011combined.  That is absolutely insanity, because other than payday loans, credit card debt is just about the worst kind of debt that consumers could possibly go into.  Extremely high rates of interest, combined with severe penalties and fees, can choke the financial life out of almost any family in no time at all.
    These days, most Americans use credit cards for various purposes, and they can be very convenient.
    And if you pay them off every single month, they don’t become a problem.
    Unfortunately, a lot of people are not doing this.  According to CNBC, total U.S. credit card debt rose by an astounding 71 billion dollars last year alone…
    Last year, credit card debt in the U.S. surged by approximately $71 billion to $917.7 billion, according to a new study from CardHub.com. The research also found that most of the debt accrued in 2015 came in the fourth quarter, when Americans tacked on more than $52 billion.
    “With 7 of the past 10 quarters reflecting year-over-year regression in consumer performance, evidence is mounting to support the notion that credit card users are reverting to pre-downturn bad habits,” CardHub CEO Odysseas Papadimitriou said in a statement.
    And as noted above, things were particularly gruesome during the 4th quarter of last year.
    According to Alternet, Americans added more credit card debt during those three months than during the entire years of 2009, 2010 and 2011 combined…
    Not since we headed into the Great Recession of 2008 have we been quite so loosey-goosey with our credit cards, racking up debt with stunning speed. Of our 4Q totals, CardHub notes, “during this one quarter, we added more debt than in 2009, 2010 and 2011 put together.” That brings dollars owed to credit card companies by each debt-saddled American family up to $7,879, the highest since the Great Recession.
    I can’t even begin to describe how unwise this is.  When I was in my twenties, I made the same mistakes that so many other Americans are making right now.  I very foolishly racked up large balances on my credit cards, and it took years of extremely painful payments to fix those mistakes.
    In America today, 37 percent of all households maintain credit card balances from month to month, and the average level of credit card debt for those households is $15,700.  The following comes from CBS Minnesota
    According to NerdWallet, 37 percent of American households have credit card debt, which is defined as not paying off the full balance every month. Using data from the Federal Reserve of New York, U.S. Census and its own poll, NerdWallet found the average balance for those in credit debt is $15,700.
    What most people don’t realize is that by letting balances run from month to month, you can end up paying just about as much in interest as you did for the original purchases.
    Here is one credit card repayment scenario that comes from NerdWallet
    For the sake of simplicity in calculating the cost of the average credit card debt, let’s assume an APR of 16% and a fixed payment. We’ll also assume a minimum payment of 2% of the principal balance of $15,762, the average as of the end of 2015, or $315.
    Based on those terms — and assuming you don’t add any more to your credit card balance — it would take 84 months, or seven years, to pay off the balance in full. During that time, you’ll pay $10,402 in interest — about two-thirds of the original balance — for a total of $26,164. This averages out to about $124 in interest per month.
    The scenario above assumes that all payments are made on time.  But a single late payment can trigger higher interest rates, penalties and fees that can be absolutely suffocating.
    In fact, some people end up paying back three, four or five times as much as they originally borrowed to the credit card companies.
    If you use credit cards for convenience or to buy things online or to automatically pay bills, that is fine.  Just don’t let balances accumulate.  As you can see, that can be financial suicide.
    And as we head into a new global recession, you definitely don’t want to be saddled with high levels of debt.  All of us have little luxuries that we can cut back on, and now is not the time to be living on the financial edge.
    Just look at some of the troubling signs that we have seen in the news in recent days…
    -The U.S. oil and rig count just dropped to the lowest level ever recorded
    -One Houston CEO told employees that he was laying off that we have entered a “depression
    -It is being reported that 35 percent of all oil and gas companies around the world are at risk of falling into bankruptcy
    -Unemployment in Canada just hit a three year high
    -The number of job cuts in the United States skyrocketed 218 percent during the month of January according to Challenger, Gray & Christmas
    -U.S. manufacturing activity has been in contraction for four months in a row
    -U.S. factory orders have now fallen for 15 months in a row
    -Subprime auto loan delinquencies have hit their highest level since the last recession
    -Orders for Class 8 trucks in the United States dropped by 48 percent on a year over year basis in January
    -The Restaurant Performance Index in the United States has dropped to the lowest level that we have seen since 2008
    -Major retailers all over America are shutting down hundreds of stores
    And this list does not even include all of the signs of severe economic trouble from around the rest of the planet that I have been writing about lately.
    Credit card debt truly is financial poison, and it is not something that you want to have during the hard times that are coming.
    Unfortunately, most Americans never learn, and they continue to rack up credit card debt as if there is no tomorrow even as the global economy starts to spiral downhill all around them.