Letter Re: Reverse Mortgages

Hugh,

According to the CFPB at this link, interest is charged like a credit card, based on last month’s balance. The lesson here is to read your loan documents. It doesn’t matter what you are told, it only matters what is in the documents that you sign.

“Each month, interest and mortgage insurance charges are calculated based on the current loan balance. These charges are added to your loan balance. The amount you pay in interest and mortgage insurance compounds the same way a balance on a credit card does. The loan balance used to calculate interest and mortgage insurance charges each month includes prior months’ interest and mortgage insurance charges. As your loan balance grows, the amount of the interest and mortgage insurance charged that month also grows.”

– J.M.



Economics and Investing:

An Insane Financial World

o o o

No, JP Morgan Is Not Buying Silver Eagles. Ted Butler claiming that JP Morgan is the big Buyer of Silver Eagles and Maples takes the credit away from the public who are the real buyers.

o o o

China has overtaken Mexico as the source of the largest number of immigrants to the U.S. – the Far East is the new Southwest.

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OPEC Struggling To Keep Up The Pace In Oil Price War

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It’s Time To Hold More Cash and Buy Gold



Odds ‘n Sods:

Common Core Lesson Plan Pushes Pro-Palestinian Agenda. – H.L.

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This is what is wrong with the typical American Church, The Apostles would be appalled. – R.G.

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More “children’s picture books” better utilized on the floor of your hen-house.. – T.P.

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“If Not Us, Then Who?” In Ukraine, Volunteers Collect Soldiers’ Bodies. – T.P.

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Ben Carson and Mike Huckabee agree that EMP is a threat to America. – G.P.



Hugh’s Quote of the Day:

“Be a man!… What good is religion if it collapses under calamity? Think of what earthquakes and floods, wars and volcanoes, have done before to men! Did you think that God had exempted [us]? He is not an insurance agent.” ? H.G. Wells, The War of the Worlds



Notes for Wednesday – May 20, 2015

May 20th, 1942 was the birthday of Carlos Hathcock, who was a United States Marine Corps Gunnery Sergeant sniper with a service record of 93 confirmed kills. He died February 23, 1999.

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Today, we present another entry for Round 58 of the SurvivalBlog non-fiction writing contest. The $12,000+ worth of prizes for this round include:

First Prize:

  1. A Gunsite Academy Three Day Course Certificate, good for any one, two, or three course (a $1,195 value),
  2. A course certificate from onPoint Tactical. This certificate will be for the prize winner’s choice of three-day civilian courses. (Excluding those restricted for military or government teams.) Three day onPoint courses normally cost $795,
  3. DRD Tactical is providing a 5.56 NATO QD Billet upper with a hammer forged, chromlined barrel and a hard case to go with your own AR lower. It will allow any standard AR type rifle to have quick change barrel, which can be assembled in less than one minute without the use of any tools, and a compact carry capability in a hard case or 3-day pack (an $1,100 value),
  4. Gun Mag Warehouse is providing 20 Magpul pmags 30rd Magazines (a value of $300) and a Gun Mag Warehouse T-Shirt. (An equivalent prize will be awarded for residents in states with magazine restrictions.),
  5. Two cases of Mountain House freeze dried assorted entrees in #10 cans, courtesy of Ready Made Resources (a $350 value),
  6. A pre-selected assortment of military surplus gear from CJL Enterprize (a $300 value),
  7. A Model 120 Series Solar Generator provided by Quantum Harvest LLC (a $340 value),
  8. A $300 gift certificate from Freeze Dry Guy,
  9. A $250 gift certificate from Sunflower Ammo,
  10. KellyKettleUSA.com is donating both an AquaBrick water filtration kit and a Stainless Medium Scout Kelly Kettle Complete Kit with a combined retail value of $304,
  11. TexasgiBrass.com is providing a $300 gift certificate, and
  12. Two cases of meals, Ready to Eat (MREs), courtesy of CampingSurvival.com (a $180 value).

Second Prize:

  1. A Glock form factor SIRT laser training pistol and a SIRT AR-15/M4 Laser Training Bolt, courtesy of Next Level Training, which have a combined retail value of $589,
  2. A FloJak EarthStraw “Code Red” 100-foot well pump system (a $500 value), courtesy of FloJak.com,
  3. Acorn Supplies is donating a Deluxe Food Storage Survival Kit with a retail value of $350,
  4. The Ark Institute is donating a non-GMO, non-hybrid vegetable seed package–enough for two families of four, seed storage materials, a CD-ROM of Geri Guidetti’s book “Build Your Ark! How to Prepare for Self Reliance in Uncertain Times”, and two bottles of Potassium Iodate– a $325 retail value,
  5. A $250 gift card from Emergency Essentials,
  6. Twenty Five books, of the winners choice, of any books published by PrepperPress.com (a $270 value),
  7. TexasgiBrass.com is providing a $150 gift certificate, and
  8. RepackBox is providing a $300 gift certificate to their site.

Third Prize:

  1. A Royal Berkey water filter, courtesy of Directive 21 (a $275 value),
  2. A large handmade clothes drying rack, a washboard, and a Homesteading for Beginners DVD, all courtesy of The Homestead Store, with a combined value of $206,
  3. *Expanded sets of both washable feminine pads and liners, donated by Naturally Cozy (a $185 retail value),
  4. Two Super Survival Pack seed collections, a $150 value, courtesy of Seed for Security,
  5. Mayflower Trading is donating a $200 gift certificate for homesteading appliances,
  6. APEX Gun Parts is donating a $250 purchase credit,
  7. Montie Gear is donating a Y-Shot Slingshot and a Locking Rifle Rack (a $379 value), and
  8. Two 1,000-foot spools of full mil-spec U.S.-made 750 paracord (in-stock colors only) from www.TOUGHGRID.com (a $240 value).

Round 58 ends on May 31st, so get busy writing and e-mail us your entry. Remember that there is a 1,500-word minimum, and that articles on practical “how to” skills for survival have an advantage in the judging.



An Introduction to Gangs – Part 2, by T.N.

Specific Gangs, Their Behavior, and How To Identify Them

The examples given in this section are by no means the only gangs to be concerned with; they are just a few examples of some gangs you may see.

Crips:

The Crips are a notorious gang that originated in Los Angeles California back in the 1960’s but have spread to every state in the nation with an estimated 35,000 members in 2007, according to FBI statistics. (This figure is based on the number who have been arrested and is likely a very low estimate.) They are predominantly an African-American ethnic gang; however, this does not hold true in all cases and regions of the U.S., as there are some sets that accept members from other races. Crips utilize the cell or set first structure, which means they are not very organized across the country and for the most part share little more than a common name and culture.

Crips share a lifestyle, which all Crips try to emulate. They refer to this life as Crippin’. It means you have no regard for life, others around you, and live only for your own fulfillment and to make money. Crips are notoriously ruthless and uncaring in their crimes, willing to kill young children and innocent bystanders with no remorse. In the lifestyle of Crippin’, one dresses in a flamboyant way. always “flagging” the color blue and wearing loose-fitting, expensive clothing; they speak using primarily slang terms and must always be ready to fight and kill any rival they see.

Crips often have entire neighborhoods (especially in the inner city suburbs of Los Angeles) where if you walk down the street wearing the wrong clothes or drive the wrong car, you will be shot and killed instantly, simply because you are not a Crip. Different sets control different neighborhoods and often fight over territory. However, they all fight together against common rivals, such as Bloods and Surenos, and they are united while in prison.

Crips’ primary criminal activity is selling drugs in the inner city; however, they often times branch out into activities like prostitution and murder for hire. Nationwide Crips are often willing to undertake any illegal activity, so long as it looks cool and makes money. They have little to no moral guidelines and promote a culture of sexual depravity and violence.

In addition to drugs, another major income source for the Crips is the Hip-Hop music industry. Many famous rappers have been members of the Crips, and even after they have had success and escaped the inner city they usually remain strictly loyal to their set and will use their lawfully-gained money to finance illegal activities. They have also formed many record studios and dance clubs as fronts for illegal activities. Another more recent occurrence is several prominent sports stars who are members, using their fame and money to promote and recruit for the Crips as well as hiring gang members as bodyguards.

In recent years, it has become more difficult to identify a Crip, because the fashion in America has taken to emulating their loose-fitting, expensive clothes and the wearing of gaudy jewelry. The slang used by the Crips has also become very popular, and many non-gang member teenagers have been using the slang terms once used to identify Crips. One surefire way to identify a Crip, however, is the flagging of the color blue (usually in the form of a blue handkerchief in the back pocket), or the tattoo’s.

Common tattoos are the words Crip, BloodKiller, BK, Crippin’, CripLoc, and anything identifying the neighborhood or set they are from. They also will commonly have tattoos of hands throwing up gang signs. There are many other common tattoos Crips use, but these are the ones that are only found on Crips and should not be on someone who just emulates the pop culture.

Also a common practice amongst Crips, especially from the Los Angeles area, is to avoid using the letter B. They associate this with the rival gang The Bloods. They will call each other Cuz’ rather than Brother or Bro’. They will also refer to birthdays as C-Day. You might hear one say “hey Cuz’ happy C-Day.” This practice becomes less common in other parts of the country. Also, Crips will always replace their name with a nickname or moniker like CRAZY, D-LOC, or KILLA DOGG, but this practice is actually very common among most street gangs around the country.

Crips are very prone to violence, and the sets with larger drug trafficking abilities usually stay very well armed. It is not uncommon for Crip sets to have access to fully automatic weapons, such as Uzi’s or AK-47’s smuggled in from overseas. Another very disturbing trend in the recent years is for the Crips to encourage young members with clean records to go into the US Military. This has caused a significant change in the way some of the more powerful sets operate, as the members return from service with new training to pass on to the gang. Military service members have also been caught in recent years stealing grenades and military weapons and smuggling them to their gang back home.

In a SHTF situation when the threat of law enforcement is diminished or gone totally, the Crips are likely to try to expand their influence and territory. At first this will most likely be a series of very violent and bloody clashes between sets for control of entire cities. However, in due time, more powerful sets will likely absorb smaller sets, creating little warlord fiefdoms inside urban areas. Due to strict gun control laws in most major U.S. cities that have large Crip populations’ (coincidence?) non-involved citizens will likely be pillaged and victimized at will. In areas where the citizenry is armed and the populations of Crip members remains low, the gang members themselves will likely either remain quiet or will be killed off by citizens defending themselves. However, if looting occurs in these areas you can expect the Crips to join in.

In our current society, it is best to simply avoid Crips. This is easy to do simply by avoiding the neighborhoods they inhabit, and when you encounter them at the mall or movie theater simply stay alert, but mind your own business. So long as you do not involve yourself in unlawful activity or delve deeply into the Hip-Hop culture, you are likely not to have a problem.

After an EVENT when SHTF, this may not be an option. The best thing you can do, if you live in an area with a high gang population within a two hours drive, is to leave. Otherwise, be prepared to defend yourself, your family, and your property from a horde of roaming thugs in blue. They will likely be well armed and, with the military training they have been slowly receiving, they will be very dangerous, even if they tend not to be well organized. If the opportunity arrives for you to attempt peaceful trade, I would recommend against this course of action. Obviously situations may dictate it by necessity, and you must also remember that there are people who have dropped out or severed all ties to this gang yet still are left with the tattoos. Use your best judgment.

Bloods:

The Bloods are in many respects very similar to the Crips and as such I will only cover the things that are different.

Bloods flag the color red and will usually have tattoos such as Blood, Piru, CripKilla, CK, Blood family, and other tattoos associated with their set or neighborhood. Bloods are very partial to wearing red jackets and jerseys of sports teams, like the San Francisco 49ers or Kansas City Chiefs. Although the Crips will recruit members from all racial groups, the Bloods have a much higher level of diversity. There are entire large sets made up entirely of Pacific Islander groups, such as Micronesians or Tongans, as well as being very popular amongst Vietnamese immigrants.

1% Outlaw Biker Gangs:

There are many different biker gangs in the U.S., so I will give a general overview of them and talk about a few of the more notorious groups.

Most motorcycle clubs are peaceful and law abiding people. In fact, the name 1% comes from a magazine article that says “99% of motorcycle riders are good law-abiding people, and we are the other 1%”.

1% Outlaw Biker gangs or “clubs” often wear an easy to identify jacket or vest with three patches on the back identifying the club name, chapter location, and a symbol. They also commonly wear a patch reading 1%.

Commonly, biker gangs will operate out of a clubhouse for each chapter and have a chapter in different towns within their territory. They usually have a mixture of legal and illegal activities, which will usually include making and selling of meth as well as being guns for hire. Not all members of a biker gang are criminals either. What differentiates a 1% biker gang from a lawful club is that they allow and promote the criminal activity, not that it is always required for membership.

Biker gangs use a very strict para-military structure in which members have different ranks and different duties; however, one thing unique to a biker gang is that many of them operate on a democratic base with rules of conduct. They often times operate more like a corporation than they do a criminal gang.

Biker gangs usually have standards of behavior that are very different than mainstream society. They strongly promote sexual depravity and violence, but they have rules of conduct, which must not be violated.

If you come into contact with these groups, it is best to be alert and leave them alone. Because of their strong rules of conduct, they will usually conduct themselves fairly in a business situation, but don’t try to take advantage of them, as they can turn violent. If they are not in a peaceful frame of mind, be cautious as they can be ruthless.

Due to the differences of rules and patch designs from club to club, I encourage you to go online and research the clubs to find out which ones operate near you. Below is a list of some of the more prominent 1% clubs around the nation for you to research. They are pretty up front with who they are and post pictures of their emblems and locations on the Internet.

  • Hell’S Angels (likely the biggest and most powerful. Operates MANY legal businesses and conducts most of its business above board. They are, however, well known for murder and like using both bombs and a ball peed hammer.)
  • Brother Speed (common in the northwest U.S. It’s not very powerful but well organized in its local areas.)
  • Mongols (found mainly in the southwest. They are mostly known for drug trafficking, but in a war with the Hell’s Angels they committed several bombings and murders.)
  • Hessians
  • Vagos
  • Pagans
  • Outlaws
  • Bandidos
  • Gypsie Jokers


Letter Re: Communications In Dark Times, by J.B.

Hugh,

Independent communication is really important. First thing you observe when you go to an ARRL local meeting is the intelligent, charitable, genuine nature of the people involved. Second, the information that the Technician License test preparation material contains is laterally applicable to other prepping activities if you want a deeper understanding of what is around you and what you have to accomplish. An example is the information about direct current (DC) electricity used in radios and generated by solar power systems. Alternatively, learning about repeaters and their positions and coverage make you very aware of your surroundings. You also learn how crummy the electric motors around you actual are. Spurious RF is everywhere! – RV





JWR’s Recommendations of the Week:

Books

Alas, Babylon by Pat Frank (A classic nuke scenario. This book was a key influence in my writing, and it was my inspiration to write “Patriots” in a similar style.)

Vandenberg by Oliver Lange (Invasion scenario. Note: It was later republished under the title: Defiance: An American Novel)

Movies

3 Days to Kill (Warning: Has many violent scenes.)

Paths of Glory

Instructional Video:

How to Shoot Beyond Belief ~ Long Range Shooting for Hunters



Odds ‘n Sods:

The Time is Now. – Avalanche Lily

o o o

Over at Wranglerstar’s excellent blog site, there is a new video posted on rebuilding hydraulic ram pumps. – JWR

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SurvivalBlog reader G.P. sent in this link to an article from the NRA on Keeping Your Perspective. While targeted at the use of deadly force, it’s excellent advice for the times we live in. I have seen many preppers become frantic of late, ignoring everything but their preps. Keep your perspective. What are you prepping for? (And I’m not talking about which “End-of-world” scenario.) If you are prepping so your family can survive but the frantic intensity of what you are doing destroys your marriage or family, what have you accomplished?

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Home-school your children, folks. Middle School Teacher Let Students Have Sex In Classroom – T.P.

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Federalization of Law Enforcement Would Remove Bulwark for Second Amendment. – B.B.





Notes for Tuesday – May 19, 2015

Ready Made Resourcesis currently running their 25-40% off Mountain House sale. It’s a good time to stock up!

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Today, we present another entry for Round 58 of the SurvivalBlog non-fiction writing contest. The $12,000+ worth of prizes for this round include:

First Prize:

  1. A Gunsite Academy Three Day Course Certificate, good for any one, two, or three course (a $1,195 value),
  2. A course certificate from onPoint Tactical. This certificate will be for the prize winner’s choice of three-day civilian courses. (Excluding those restricted for military or government teams.) Three day onPoint courses normally cost $795,
  3. DRD Tactical is providing a 5.56 NATO QD Billet upper with a hammer forged, chromlined barrel and a hard case to go with your own AR lower. It will allow any standard AR type rifle to have quick change barrel, which can be assembled in less than one minute without the use of any tools, and a compact carry capability in a hard case or 3-day pack (an $1,100 value),
  4. Gun Mag Warehouse is providing 20 Magpul pmags 30rd Magazines (a value of $300) and a Gun Mag Warehouse T-Shirt. (An equivalent prize will be awarded for residents in states with magazine restrictions.),
  5. Two cases of Mountain House freeze dried assorted entrees in #10 cans, courtesy of Ready Made Resources (a $350 value),
  6. A pre-selected assortment of military surplus gear from CJL Enterprize (a $300 value),
  7. A Model 120 Series Solar Generator provided by Quantum Harvest LLC (a $340 value),
  8. A $300 gift certificate from Freeze Dry Guy,
  9. A $250 gift certificate from Sunflower Ammo,
  10. KellyKettleUSA.com is donating both an AquaBrick water filtration kit and a Stainless Medium Scout Kelly Kettle Complete Kit with a combined retail value of $304,
  11. TexasgiBrass.com is providing a $300 gift certificate, and
  12. Two cases of meals, Ready to Eat (MREs), courtesy of CampingSurvival.com (a $180 value).

Second Prize:

  1. A Glock form factor SIRT laser training pistol and a SIRT AR-15/M4 Laser Training Bolt, courtesy of Next Level Training, which have a combined retail value of $589,
  2. A FloJak EarthStraw “Code Red” 100-foot well pump system (a $500 value), courtesy of FloJak.com,
  3. Acorn Supplies is donating a Deluxe Food Storage Survival Kit with a retail value of $350,
  4. The Ark Institute is donating a non-GMO, non-hybrid vegetable seed package–enough for two families of four, seed storage materials, a CD-ROM of Geri Guidetti’s book “Build Your Ark! How to Prepare for Self Reliance in Uncertain Times”, and two bottles of Potassium Iodate– a $325 retail value,
  5. A $250 gift card from Emergency Essentials,
  6. Twenty Five books, of the winners choice, of any books published by PrepperPress.com (a $270 value),
  7. TexasgiBrass.com is providing a $150 gift certificate, and
  8. RepackBox is providing a $300 gift certificate to their site.

Third Prize:

  1. A Royal Berkey water filter, courtesy of Directive 21 (a $275 value),
  2. A large handmade clothes drying rack, a washboard, and a Homesteading for Beginners DVD, all courtesy of The Homestead Store, with a combined value of $206,
  3. *Expanded sets of both washable feminine pads and liners, donated by Naturally Cozy (a $185 retail value),
  4. Two Super Survival Pack seed collections, a $150 value, courtesy of Seed for Security,
  5. Mayflower Trading is donating a $200 gift certificate for homesteading appliances,
  6. APEX Gun Parts is donating a $250 purchase credit,
  7. Montie Gear is donating a Y-Shot Slingshot and a Locking Rifle Rack (a $379 value), and
  8. Two 1,000-foot spools of full mil-spec U.S.-made 750 paracord (in-stock colors only) from www.TOUGHGRID.com (a $240 value).

Round 58 ends on May 31st, so get busy writing and e-mail us your entry. Remember that there is a 1,500-word minimum, and that articles on practical “how to” skills for survival have an advantage in the judging.



An Introduction to Gangs – Part 1, by T.N.

The Threat

Unfortunately our American justice (or in-justice) system has utterly failed to curtail certain groups and organizations from threatening the safety of the American public. I am warning you that just beneath the super-thin veneer of American civil society lurks a dark and deadly threat. It’s a threat so insidious that it kills young children often times for sport and so powerful it has purchased politicians at both state and federal levels of government. Most people see very little of this threat, only catching glimpses of it as it burns through the thin layer of civility and boils over in the streets or in the sensationalized Hollywood versions glorified on our TV screens. However, the moment this façade is removed and SHTF (the “Shmuck” Hits The Fan) this threat will burst forth and affect the lives of nearly every American.

What is this threat? It’s gangs and other criminal groups, which are far more prolific and powerful than most Americans can comprehend. There are an estimated 30,000 different gangs with 800,000 members in the U.S., and according to the FBI they are responsible for 80% of all crime in America. With 800,000 members that means there are more gang members than there are members of the US Army and Marine Corps COMBINED!

My opening statement is not in anyway to disparage the hard working members of law enforcement who have spent their lives battling these groups. Rather I blame the lawyers, politicians, and judges who defend and promote these groups as well as the culture and media, which have helped them recruit and excused their behavior as “cultural differences”.

What Is A Gang And What We Need To Know

In this article I intend to give a brief but informative overview of common American gangs, how they can be identified, and how they can be expected to behave in a SHTF situation. I’ll also share some ideas on how you can protect yourself and family as well as how to deal with these groups, should you come in contact with them. Most of my experience is in dealing with groups from the west coast– primarily California, Oregon, Nevada, Idaho, Arizona, and New Mexico, so if anyone has any additional information from other areas that could be supplemental to this article or any corrections to information given, please feel free to sent it to SurvivalBlog for them to forward on to me so I can add it into any future articles or revisions. (I’m not perfect, though I have done my best; there probably are errors in this article.)

First, let’s talk about the definition of a gang. What is a gang? Every state and law enforcement department defines a gang in a different way; however, they all have common elements. A general definition should go something like this: “A gang is a group of people who have a common name, mode of dress, identifying mark or symbol, goal, and cooperates to further or commit criminal activities.” Now as for the difference between a gang and a criminal group, that is a little more complicated and varies by law in different parts of the country. Gangs, such as the Bloods or Crips, are usually less organized and have very little rigid command structure compared to criminal groups such as the “Mafia” or various syndicates. That being said, some groups that are considered gangs are as organized as any military in the world and as such for the purpose of this article I will refer to all criminal groups as gangs. This will only serve to simplify the discussion without loosing any significant information.

Basic Structure

Not all gangs have the same structure, and an entire book could be written on the various command structures employed by different gangs. However, there are several common structures used by the vast majority of large gangs, and these are what I will discuss here, and I will go more in depth into the structure of some gangs later when I discuss specific gangs.

Cell Or Set First:

This is arguably the most common and prolific structure used to organize gangs here in America. It is the basis for household names, such as The Crips and Bloods as well as gangs like MS-13 and nearly all small, local gangs. This structure is based on a single group of people in a region or area who have banded together. Often times they adopt names, styles, rules, and methods of a larger umbrella gang. In such you have gangs like the Crips, which are more like the United Nations of street thugs. Each neighborhood has its own “set”, such as “Rollin’ 60’s Crips”, or “Grape St. Crips”. Each is a semi-autonomous group, who has their own territory, criminal activity, and leadership.

They adopt common modes of dress and the basic behavioral standards of Crips more as an alliance amongst sets for mutual support. Even though they adopt these common ways and are supposed to work together, sets often will fight amongst themselves for territory and over personal issues, only coming together to fight common rival groups, such as Bloods. Being a Crip is more of a culture than a specific gang; loyalty and command are centered at the set level. Sets are often broken up farther into “crews”, which are small groups of friends who commit crimes together.

As most other gangs are organized, the cell or set first structure starts at the recruit. Called hang-around, peewees, prospects, associates, or many other names, these are not members but rather potential members who hang out with and commit crimes for the actual gang members. Often this recruitment process starts as young as when they’re just 10 or 12 years old in most gangs, and these young children are often used to hold drugs or guns, because they are less likely to be searched by police or they serve as messengers and lookouts near drug houses.

Next in line are the soldiers; they are the members who do most of the day to day work. Every gang has different names for each level, but the soldier takes orders and does the work. Next would be the lieutenant or “shot caller”. These are the street level guys who tell the soldiers what to do. Every set will have several people at this level who run a crew of criminals. They keep their own guys in line and make sure that work is being done, drugs are sold, and other gang needs are being carried out by the soldiers as well as making sure taxes are collected and sent up the chain of command.

At the top of every set is a boss who may run a single set or may run several sets with one being his home set. From this position, a set’s large drug deals are organized and its business is controlled. All taxes collected from the neighborhoods that the set controls are sent up from the soldiers and lieutenants up to this level. Whoever holds this position makes all decisions for the set and coordinates activities with other sets.

Although in this structure sets often fight each other on the street, once in prison due to isolation from their set, members often go under the common “gang” banner, taking orders from whoever is the most powerful or influential member in the same facility without significant regard to who is from what set on the street. In prison a “Rollin’ 60’s Crip” is now just a Crip and being a Crip is the primary concern.

This structure generally causes the gang to be extremely prolific and numerous, but the individual sets remain rather weak by comparison and only maintain significant control over smaller geographic areas.

Para-military:

This is a much more organized structure used by more powerful groups, such as the Mexican Mafia, La Cosa Nostra (Italian Mafia), Mexican Drug Cartels, and 1% Biker Gangs. The structure of this organization system lends to good command of the gang and a very efficient criminal enterprise. However, it prevents large recruiting and keeps numbers relatively low.

Think of the gangs using this structure as more or less a military unit. For example, the Mexican Drug Cartels start off with the lowest level street dealer, who is usually a smaller gang or individual simply buying from the cartel. This is essentially the civilian in the area of a military operation. They give intel and support to the cartel in exchange for protection, favor, and good supply of product.

Next is the “Halcones” or “Ventanas”. These are the lowest level cartel associates, often time local neighborhood children. They serve primarily as lookouts to warn cartel soldiers of incoming law enforcement or rival cartel members.

Next you have the soldiers. There are different levels of soldiers with different names in each cartel, but they all serve the same basic function. These are the entry-level guys, who do most of the work for the cartel. They escort drug shipments, collect taxes and payments, and oversee the day-to-day operation of the drug manufacture and smuggling.

Next you have “Estacas”, which is essentially a unit or team of armed cartel soldiers, who serve as armed backup for drug deals.

Next you have “Sicario”, who are the hit men or assassins for the cartel. These are soldiers who have proven themselves to be particularly skilled and loyal. These guys rarely serve as guards for shipments but rather are sent purely to kill informants and rivals or enforce the cartel’s will upon an area.

After the hit men, you have the lower command structure. These guys are the lieutenants of the cartels. They have specific areas, crews, or smuggling routes they are in charge of. They ensure that the work in their area of operations is being done and that the cartel’s will is being carried out.

Above the lieutenants, you have the different levels of bosses, which varies from cartel to cartel but are usually a group of business men or family members who do little to no work and rarely touch illegal drugs themselves. These guys make high level decisions, buy off police and politicians, and deploy their lieutenants into the field to get things done. Most large drug deals which establish new smuggling routes are organized by these players and brokered by a trusted high level lieutenant.

The only step left is “El Heffe”. Sometimes thought of as a fictional character, El Heffe is the boss of the entire cartel. Not every cartel has one, overarching boss, but some do; a great example of a classic El Heffe who had no boss above or equal was Pablo Escobar, who ran the Medaine cartel in Columbia with an iron fist until he was finally killed by the Columbian authorities (with help from U.S. intel assets).

This structure varies from gang to gang but is always very rigid within the gang. This grants the gang a great efficiency in getting orders from the boss to the street level. It also provides an enforcement method which allows the leaders will to remain in place throughout a large territory while maintaining a relatively low number of actual members.

Hybrid Structure:

A hybrid structure is exactly what it sounds like. It is a blending of the cell or set structure and the Para-Military structure.

Usually the hybrid structure is used by a huge coalition of gangs, which are brought together under the leadership of one more powerful group. An excellent example of this would be the Mexican Mafia and the Sureno street gangs.

The Sureno street gangs are a huge group of Hispanic gangs, which originated in Los Angeles California. Much like the Crips, they are more like a culture than an actual gang. Within this culture you have individual sets which operate semi-independent criminal organizations using the set first structure. The difference is that unlike the Crips, the Surenos are not nearly as independent. In most of the western states (not all, but generally most) the Surenos are loyal to the prison-based gang called The Mexican Mafia, which employs a rigid para-military style organizational structure.

Each set has a representative who deals with The Mafia; they take marching orders from the Mafia leaders and pass them down to the street level Sureno gang members. Then, they in turn pass the gang’s taxes up to the Mafia. This arrangement was made to bring the warring factions of Hispanic gang members under a peaceful control of the Mexican Mafia who in turn provided protection to individual gang members while in prison.

This structure provides a good compromise between the two systems, allowing a decent level of control to be put out over a massive number of gang members over a vast geographical area.



Letter Re: Reverse Mortgages

HJL,

If I really needed to get a reverse mortgage, I would swallow hard and do it, but….I wanted to add my bit of information on what I discovered on reverse mortgages. Most of what is said is glossy sales pamphlet type info; there’s not much substance. So I started asking questions and pressing for a straight answer. Reverse mortgages give you money based on a percentage of what they think your house is worth. You can either take the money as a lump sum or take payments. My question to them was how is the interest calculated. The answer is that interest is added based on the whole amount they are willing to give you, starting with day one. So say you have a $200,000 house; they are willing to give you $150,000, at the rate of $500 a month. The interest is then calculated on the full $150,000 from the beginning. So if the interest rate is 5% per year, in the first year they give you $6000 and you rack up an extra $7500 in interest. The banks always win. – J.D.



News From The American Redoubt:

Idaho House Approves Child Support Measure, 49-21, (Submitting Idaho to International Law). The bill now heads to the senate in a special session. – J.J.

Update: The bill has now passed the senate and is headed to the governor’s desk

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Montana boy shoots through window, kills friend trying to wake him

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Wyoming city rallies to remove graffiti after soldier’s home is vandalized

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Washington Governor declares statewide drought emergency

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Rancher dies in plane crash in Eastern Oregon’s Malheur County