In times of a disaster, if you don't have money in your hands, you don't really have any money.  Your dollars are just electronic blips on a computer screen or numbers on a bank statement.  And if you can't access your money when you need it, you don't have any money.  In a disaster Cash Stations may be down or Banks may be closed (Banks were closed during the 911 crisis, and during hurricane Katrina, due to no power). 

You will need to have some money for day to day living expenses and for unexpected situations when you can't use Personal Checks, Debit or Credit Cards.  Even if you just save your loose change, start saving something to put aside, because the clouds have formed and the storm is on its way. 

Banks can begin to ration money because of a run on personal bank deposits.  Recently in California the IndyMac Bank had a run on personal deposits, and there were hundreds of people waiting in line for hours to get their money.  The failure of IndyMac on July 11, 2008, was the second or third largest bank failure in US history, and the largest failure of a regulated thrift (savings and loan association member). 

The US government is broke!!!  The Federal Reserve (which is a "PRIVATE" banking system) again had to step in and loan the US government money (backed by nothing) to keep other banks from going completely under.  The Fed's appear to be running around and putting out fires.  But they can't keep this up indefinitely.  I recently read that the Federal Reserve is also running out of FDIC dollars which is suppose to insure accounts up to $100,000.00. 

When the system does collape, and it is expected to, some bank account holders may not get their money up to the insured amount.  And you don't know how long it will take to get any of the insured money at all.  The economists know what's getting ready to happen.  Informed people have been preparing for what is coming for years.  It's most of the general public (every day working folks) that aren't informed about what they need to do to survive this upcoming economic crash. 

                                           

So if you have money in a bank that is near insolvent (extremely low on cash flow and deposits and they hold large mortgage debt), you need to look for another way to protect your money as fast as you can.  The economic system as we've known it is failing and this is yet another "hugh" clue.  Remember what happened to Bear Stearns in 2007-2008?  They didn't come any bigger that Bear Stearns.  JP Morgan Chase had to bail them out.  READ MORE . . .

The world is currently about 95% cashless.  Wealthy people have always held reserves of precious metals as a hedge against inflation, because they understand how to protect their assets and wealth.  The average consumer usually lives from pay check to pay check and holds lots of high interest debt just to live comfortable.  Most people use checks, debit or credit cards for their goods, services and personal needs.  So again, the money (actual $$ dollars) that you have in the bank isn't real until you have it in your hands.

The US Dollar is known as FIAT currency.  Fiat currency is paper backed by nothing.  It's a promissory note with out a promise.  The US Dollar "was" backed by gold intil 1975.  That's what made the US economy so strong then.  But those days are gone.  The more dollars that are printed and borrowed from other countries and put into circulation to cover debt, the more worthless US dollars become.  Every culture that has ever created a Fiat money system has ultimately failed.  And America is no different.  You will begin to see more bank failures. 

Remember once you get your money, because of the continuous devaluing of the US dollar and the state of the current economy, it won't buy as much as it use to.  Dollars during a depression have little or no value, its just worthless paper.  Inflation is eating away the value of the US dollar daily.  So you need to understand what "REAL" money is and how to protect your assets.  Gold, Silver, other precious metals and stable currency's from other countries are your best protection in a depressed economy.  Wealthy people understand this, its the everyday pay check to pay check consumer that does understand how and why they should protect their money and assets. 

You should work to have a "cash" reserve of 1 to 3 months of your living expenses not store in from your bank, including safe deposit boxes.  If it is not in your possession you have no control over it.  You should keep this low key for your safety and do not tell anyone about it.  I suggest going to another bank branch where no one may know you personally (tellers some times talk to others).  This will be your emergency backup fund for when banks won't allow bank deposit withdrawals.

Get your money in $1, $5, $10's & $20's for your reserve.  No $50's or $100's.  You may not be able to get change easily with large bills.  Only take out less than $10,000 at a time to avoid the bank reporting rules.  Any withdrawals over $10,000 have to be reported.

Gold is not so much an investment, but a holder of wealth value over time.  It is a hedge against a banking collapse and future inflation.  In tough times, it always increases in value.

Buy silver, it is the best value for your money right now.  Buy 90% Junk Silver first.  These are U.S. 10, 25 & 50 cent coins minted in 1964 or before.  They are available at most coin shops and many pawn shops.  They are sold by the single coin or in bags (bags can be anywhere from $100 face value to $1,000).  Both the 90% junk silver coins and 1 ounce silver round coins are easily sold and traded at anytime. 

If you haven't started, learn what it will take to protect your assets, your pension, your 401K, your IRA, your home equity and anything else of value that you have.  These are "YOUR" assets.  Use the Internet, its a great learning resource and teaching tool to get started with.  Remember, time is running out.  A coin dealer is a good place to start if you want to buy Gold and Silver.  Click HERE for more information.

               Watch this short YOU TUBE Videos below on what can happen if you don't have "REAL MONEY"-