Letter Re: Precious Metals 401(k) Investments?

Jim,
I have been thinking about my 401(k) money that I can’t get to till I am 59-1/2. I have done some homework on it, and here is what I have found out. Our Federal Government has confiscated the gold eight times in the past. When they do, they pay face value. Double Eagles are $20.00, that’s it. Talk about taking it in the neck! There is a way to put gold into an account, where it is stored for $100.00 per year, in the owner’s name, but it seems one cannot get [numismatic] pre-1933 gold coins (which are non-confiscatable) put away in this manner. I am wondering if any of your readers might know of any coins that can be stored this way that are not subject to confiscation?
The places I have talked to are Lear Financial, and Midas Resources. They both put the gold physically in a vault somewhere in Delaware. Supposedly the largest vault in the US.
If I pull my money out of the account before I am 59.5 years old, I end up losing almost 50% to taxes and penalties. Maybe 50% is better than potentially nothing? Then I could invest in numismatics, or silver, neither of which are subject to confiscation, for all I know. –  Sid, Near Niagara Falls

JWR Replies: There is no sure way to avoid confiscation if your gold is held by any banking institution. The politicians might even get grabby with numismatics.  I have a gold self-directed IRA vault account with . They hold a small quantity of Gold Eagles in my name.  I’m a big believer in investing in tangibles. I do have an IRA, but since 1999 it has been a self-directed gold coin IRA with American Church Trust. The folks at Swiss America can help you set one up. Under some circumstances a 401(k) can be rolled over into an IRA. You might consider that. Parenthetically, I should mention that I’m 45 years old. The pessimist in me says that there is no 100% guarantee of ever cashing out my gold IRA. So I’ll never increase the size of that account to any a substantial percentage of my net worth.  I believe in tangibles, in hand!

I recommend that you consider any IRA and/or 401(k) strictly a “maybe.” At least the dollar units that they are denominated in is a maybe, so that makes the whole proposition a maybe. The majority of your gold and silver should be kept at home, very well hidden  Do not trust safe deposit boxes. You never know when some “emergency” will be declared. If that were to happen, then the only way that you’ll ever get back into you safe deposit box is in the presence of taxing officials and their armed minions. That is the way that modern government works, all over the world: wormy little bean counters with clipboards, and big dumb oafs with guns to back them up. Call me paranoid, but I understand both human nature and the nature of government.



Letter Re: JLD PTR-91 HK91 Clone Rifles

Hi Mr. Rawles,
I saw your posts today on the HK91s. I’m not sure if you are aware but there is now a new “clone” by JLD Enterprises. The PTR-91. These are made on HK tooling but with modern CNC processes. These are very affordable, under $1000 through many dealers online. They fix some of the original problems of the HK91, though you will still want a trigger job, and a mag paddle release. One of the main differences between the PTR-91 and HK 91 is the barrel. The PTR-91 does not have a hammer forged barrel, rather a heavy target barrel. One of the leading members of JLD was formerly employed by HK. The rear site is also much improved and the rifle comes with a shoulder pad, and the no-ban guns come with a flash hider.

If your readers are interested in a PTR-91 they should make sure the serial number starts with an A denoting that JLD produced the rifle. If the serial number begins with a B it denotes that the receiver was purchased for assembly by some other company and the rifle is not made by JLD which is superior in quality.

Most importantly you get a very accurate rifle with the HK91’s utter reliability at a very reasonable price. And right now the magazines are extremely affordable. Tapco has [a quantity deal on] 50 [used  20 round alloy] magazines for $50. – Jennie Sequa

JWR Replies:  I am familiar with PTR-91s.  I’ve seen them at gun shows but I’ve never fired one. OBTW, I am dubious about them being made with original HK tooling, for two reasons: First, I have read that their receiver dimensions do not match the original HK. Second, I’ve read that the front of their magazine wells have a different geometry that the original HK, making it difficult to quickly change magazines.



Letter Re: M1911 Pistols–What Constitutes “Over the Top”

Jim –
I have to pick a small bone with you on your response regarding what ways to trick out your 1911. During a special symposium at Gunsight with 11of 12 shooters being prior service and/or law enforcement, 10-15% of all rounds in the targets hit the hand/pistol of the bad guy – seems there is a mechanical slaving of where the eye focuses and where you hit the target in some cases (the eyes and weapons system are calibrated to hit what is sighted–sort of like a chin turret on an Apache or Cobra)

Why on earth would you think that your right hand will always be happy/healthy/functional in a fight? ALL 1911s should have an ambidextrous safety in case of injury, or equipping a southpaw on your team. Combat Tupperware [Glocks with no manual safety lever] has this taken care of.

Slide releases are not to be used according to my instructors (Clint Smith, Pat Rogers, Louis Awerbuck). Rather, you reach over the top of the slide, grasp it with your four fingers against the bottom of the palm of your hand, and you “tear the slide off” if you need to cycle the action for whatever reason. The idea is to get every single iota of energy out of the spring to chamber the round which may have dirt, blood, mud, flesh bits, etc., competing for the limited space of the pistol’s chamber. Using the slide release doesn’t give as much of a run at chambering the round. Why spend Federal Reserve Notes (FRNs) on an accessory you don’t need/use?

While a 1911 (that runs right – something that can be tough to find) is a superb weapon, why spend $1200+ for one that I then have to accessorize/have slicked up when I can get a Glock 21 that runs out of the box for about 1/2 that? No flame war wanted, just pointing out that 2 for 1 price is an attractive feature (as you where driving towards with your sage advice to get a second one, or how about TRAINING to effectively use the one you have!!!). Some hate the Glock’s size/grip – to each his own – I would never feel undergunned with a 1911 and it is a mechanical/design work of art/masterpiece. You do, however, need to be taught/train on how to make it run in a bit more depth than the double action only (DAO) “safety in the trigger” Glock.  My $.02, FWIW. Keep up the great work!!! – Beach

JWR Replies: Unless someone trains with a M1911 without the use of the slide release from day one, then it is impossible to expect that they won’t revert to using the slide release lever in the heat of combat. Remember the maxim:  The first/oldest training is the deepest ingrained.  I’ve heard many stories about police officers that subconsciously fight just the way they trained. For example putting either the fired brass from revolvers or empty magazines from auto pistols in their pockets. They don’t even realize that they’ve done it until after the smoke has cleared and they’ve regained their wits.

I agree with your advice on ambidextrous safeties. If someone has the budget for it, then that modification is worth doing, even for right handers. But in general, I try to keep M1911s as “stock” as possible. Even in stainless steel, there is no reason why a combat ready M1911 has to cost more than $800. We have a couple of stainless M1911s in our family battery that I bought used and that cost no more than $650, even after the necessary mods.





Note from JWR

Today we present another entry in Round 2 of the SurvivalBlog non-fiction writing contest. The writer of the best article will win a four day course certificate at Front Sight. (An up to $2,000 value!)  The deadline for entries is the last day of January, 2006.

We are pleased to post the following article on selecting clothing for winter outdoor survival. It was written by a serving military officer and certified winter instructor that lives Somewhere in Scandinavia. I was impressed by his excellent English.  In fact, his article took less editing than many that I’ve received from native English speakers. 



Clothing for Winter Outdoor Survival, by “Beauchamp Comber”

Introduction
To survive a sustained period of cold the most important thing is to know how to pick the right clothing and utilize the clothes to its fullest extent. This means understanding the body`s heat production and how choosing the right clothing can regulate and maintain warmth depending on what kind of activities one does. Clothing in itself does not produce any heat, but they retain more or less the heat that the body produces depending on their material. Fabrics that are lose and fluffy feels warmer than hard fabrics because the fibers contains more air. Another important point, is to be aware of the formidable loss of fluids that stems from undertaking physical tasks. This moisture will be caught in the clothing without our notice.
A The body`s heat loss happens mainly due to the following four reasons:

1.) By Circulation
The heated air closest to the skin, is driven off and is replaced with cold air (convection), this is most noticeable in strong, cold wind.

2.) By Transfer
Contact between the body and the ground you lay of sit upon. Cold soles steal warmth from the body (Conduction).

3.) By Radiation
The body gives off heat to the surrounding area when these are colder than the body, this has little effect for a fully clothed person during the winter.

4.) By Vaporization
When sweat on the body and in the clothes vaporizes
To assure that the body has the right working temperature (+37 degrees Celsius/98.6 degrees F) the loss of heat and the heat production, needs to be balanced. The key to balancing is found in the clothing and the regulating this.

Overly Exposed Body Parts
About fifty percent of the body’s heat production draws off from the head and the neck. Those parts is therefore key elements when it comes to regulating surplus body heat, bare headed, open in the neck to get rid of the excess heat or conversely maintaining it by means of a cap and/ or a scarf.
It’s the so called extremities, hands, feet, ears and nose that’s most exposed to the cold. Small cylindrical body parts, for example the fingers has a major heat loss because of large surface in relationship to volume. By using mittens instead of gloves the total surface will be less and it will be easier to keep the hand warm.

The Task of Clothing
Clothing’s task is to help us keep the body temperature correct. The clothing shall isolate against the cold and give protection against wind and rain. It shall also provide the possibilities for ventilation so that hot air may be drawn off together with body moisture. Dry air has small capacity for heat transfer.
More thin layers of clothing traps more air and will give better insulation than one thick layer of clothes. Protection against wind is accomplished by using a dense outer layer, waterproofs or impregnated cloth as a outer layer protects against wet weather, but the biggest problem in the winter will be heat regulation. Its important that one can vary the clothes and the amount of clothes, so that you don’t becomes overheated. Its therefore important that you utilize the layering principle as to using several thin layers of clothing where each garment is of proper size and used correctly and that the materials in the garments is chosen with care.

Ventilation
The body will always give off moisture in the form of perspiration. In the winter most of the sweat will be contained in the clothes and the clothing should therefore be made out of fabrics that will allow the humidity to escape through it. If we hinder this process by using for example waterproofs as an outside layer the humidity will be gathered on the inside of the clothing in the form of rime or ice. The moisture is therefore one of the bigger adversaries in winter time, not only from the outside but also from the inside.
The clothes should with this in mind be of a kind that facilitates temperature regulation by opening and closing at the following points: Wrists, ankles, neck, front, under arms and at the waist. This is what is called “chimney ventilation.” For proper use, the clothing should be loose fitting and give the possibility to facilitate ventilation. Trousers that sit tight around the waist or clothes that are held together by belts or straps will hinder the ventilation for winter use. Braces (suspenders) are recommended instead of belts.

Principles for Layering
The clothing is normally to be divided into three main layers :
  – Isolating layer
  – Windproof layer
  – Waterproof layer
The isolating layer is closest to the skin and is made up of underwear (both long and short) shirt, sweater and socks etcetera after circumstances. Wool is by far the best material for the isolating layer and it retains its isolating capability with 80% even if soaking wet and is reasonable fireproof to boot. None other natural or man-made fabric comes close to the capabilities of wool. The negative sides of it is that its expensive, its not as durable as other fabrics and it may itch if its of a lower quality.

The windproof layer’s primary function is to keep the warmed up air in the isolating layers. The fabric should be windproof but it should also let through as much as the humidity as possible. The waterproof layer is used in sleet and rain, if outside humidity was the only thing to consider the requirement of the clothes would be that they was 100% waterproof . Things are not so easy because we also has to take into consideration that we must “bleed off” excess humidity from the body – the main thing to take under consideration is then to find out what is the worst: being wet from the inside out or vice versa.

Most people are most likely to dress once in the day regardless of what that day may bring – putting on everything that’s needed for that days coldest possibility before leaving the house, sweating, enter ones car going full blast on the heater, more sweating, drive to the destination of that days undertaking and step outside and instantly begin freezing because of heat transfer due to vaporization and heat transfer. Taking one’s time to regulate and utilize the clothing in a proper manner will ensure that you’re able to keep comfortable for longer periods of time when you’re exposed to the cold.



A Source for Inexpensive Two Point and Three Point Slings

In my experience, most of the three point nylon tactical slings that are on the market are outrageously over-priced. You often pay as much as $49 for a couple of dollars worth of nylon and hardware. Even with a few dollars more for their labor, these marketeers are still selling a 400%+ markup item! So I was pleasantly surprised to find that a gent in North Carolina that runs a home-based business making “No Nonsense” two point and three point nylon slings. The really good news is that they are just $5 each postage paid for the two point type, and $9 each postage paid for the three point. He even offers further quantity discounts. Optional attaching clips for HKs are available for an extra dollar. It is refreshing to see that someone is out there that makes a quality product and that just wants to earn an honest buck without a lot of marketing hype. See: http://www.antiquefirearms.org/slings (He is a friend of “The Pre-1899 Specialist“, that provides Mr.Austin his web space.)





Billionaire Richard Rainwater Concurs with Peak Oil Assessment

An interesting piece recently ran in Fortune magazine, regarding billionaire Richard Rainwater’s views’ on Peak Oil.  (The “Hubbert’s Peak” in global oil production, expected sometime in the next few years or perhaps 20 years, or perhaps 100 years, depending on who you talk to.) See:  http://www.fortune.com/fortune/investing/articles/0,15114,1139979-4,00.html SurvivalBlog reader Chuck, who first mentioned the Fortune article to me commented:  “I had the opportunity to review several of Richard Rainwater’s oil deals while at Mitchell Energy. His projects were always well conceived and forward-looking.”



David in Israel: More About Rifle Slings and Magazine Duplexing

The Israeli sling is the product of requiring most Chaileem since the surprise Yom Kippur war in 1973 to carry their personal weapon everywhere they go until
they exit active duty. This leads to a design for a sling that is as comfortable in a bus terminal hitchhiking or walking in town but still quick to bring into action. The only thing I can think of to improve the Israeli sling is to replace the front cord with Kevlar boot lace threaded through parachute cord to resist UV, Kevlar is very heat resistant. Here with semi-auto being the general rule barrel heat is less of an issue. Compact M16 variants [CAR-15, M4] are most common and combat soldiers usually receive a tritium reflex or ACOG scope. Israel has dropped the superior plastic magazines for the much inferior easily damaged jam prone American aluminum mags. Due to safety concerns unless in combat areas most units require magazines out of the weapon, there is a gadget which fits in the magazine well and holds the mag parallel to the barrel, when required the gadget is ejected turned 90 degrees and the loaded magazine is inserted. The cheaper alternative is to use a 5mm thick O-ring to bungee a mag (or jungle taped double) to the weapon. “Jungle” magazine arrangement are side by side duct taped together with a spacer to allow them to be inserted into the mag well, they are both positioned upright as an aluminum (or any mag) is at risk of damage if the lips are scraped or struck. Have fun browsing about our military and police forces and their gear: http://www.isayeret.com/





Letter Re: M1911 Pistols–What Constitutes “Over the Top”


Mr. Rawles,
I’ve just finished reading your novel “Patriots”, and wish to thank you for providing such an insightful guide to preparation and the survival mindset, and a pretty darn entertaining read, to boot! My question concerns your preference for the M1911 .45 ACP pistol as a sidearm for one’s survival preparations. I wholeheartedly agree with you on the round’s advantages over lesser-powered cartridges such as 9mm or .40 S&W. And, since the ergonomics of the 1911 design in particular tend to suit me well personally (indeed, to whom does it not), I was wondering what your thoughts were regarding the myriad configurations this weapon is available in today; precisely, things such as beavertail grip safeties, beveled magazine wells, front/back strap checkering, etc. Do you think these features are more “show” than “go?” Also, should one avoid altogether “high -end” offerings from custom shops like Wilson Combat or Les Baer? The quality of parts and workmanship are readily apparent, yet as you allude to in Patriots, would the tight tolerances worked into each custom weapon make for questionable reliability under field conditions? Thank you for taking the time to read this e-mail, sir. May God bless you and your family. Regards, – Mark T.

JWR Replies: needless to say, I’m a dyed-in-the-wool .45 ACP Colt Model 1911 user. The Combat Tupperware crowd considers the 80 year old design archaic, but I find the M1911 eminently practical. For right-handed shooters, the only modifications that I recommend are: feed ramp polishing, an extended slide release, and perhaps tritium sights. Everything else has marginal utility, and if taken to extreme can actually decrease reliability and combat utility. I consider even the extended slide release optional, depending on the shape of your shooting hand. (If you can reach the standard slide release without shifting your hand, them leave it as is. For left-handed shooters, the only other mods that I would recommend would be an ambidextrous safety and an ambidextrous extended slide release. Instead of pouring an extra $1,000 into a pistol on furthering modifications, I’d rather spend that money on a second M1911 for another family member, or on training at a school like Front Sight, or more ammunition.

OBTW, some of you might be interested in reading the FAQ that I wrote about M1911 magazines.



Mr. Bravo on HK91 Rifles

Jim,
I agree about getting a real HK91 and not a clone. The HK91 is a great rifle with a few easily corrected but serious weaknesses.

The trigger is heavy and poor, but an inexpensive and excellent fix is available from www.williamstriggers.com.

The sights are mediocre, but the “1200 meter sight”, which can be found on the gun boards such as www.hkpro.com or www.sturmgewehr.com is much better, and can be drilled or fitted with an insert to provide the ideal aperture.

The narrow, hard plastic butt stock can be punishing, but the butt end piece can be replaced with a wider rubber part from HK (from the HK21 or 23 belt fed machine guns) that is much more comfortable, and which avoids slippage. From an HK dealer or the above gun boards.

The magazine release button is suboptimal, but a “Tac-Latch” provides much more ergonomic operation in a low-priced drop-in part, from www.taclatch.com.

For optics mounting, the Brugger & Thonet mount is best, because it does not damage the receiver, and provides a see-through view with the iron sights if the optics are fogged (or worse.) It provides a lower mount than the original STANAG clip on mount. Avoid the B-Square mount, because they can cause receiver damage from over tightening.

The HK91 may not quite be capable of the same accuracy as an M14/M1A, but it never malfunctions, and nothing ever breaks. – Mr. Bravo

JWR Adds: As I mentioned in my novel Patriots, the only other major design flaw of the HK91 is that unlike an AR-series, M1A, or FAL, the HK91 does not have its action lock in the open position after the last round in the magazine is fired. In the stress of combat, this could leave someone thinking that they still have ammo when they are actually holding a rifle with an empty magazine. (Read: potentially deadly.) This can be avoided by loading the last two or three rounds in each magazine with tracer ammunition. When you see a tracer flash, you swap magazines.

OBTW, tracers are banned in California, but then again, so are HK91 rifles. So if you live in California, there are a couple of more reasons to vote with your feet!



Two Letters Re: SAR-8 HK91 Clone Rifles

Jim:
A note on you post of 12/15 about the SAR-8. I wish I could point you to a single place on the Web where you could verify this, but there isn’t one. I gathered this info from a number of gun discussion boards after my (opportunistic) purchase of an SAR-8 at a gun show.
There are two distinct SAR-8s, both handled by Springfield Armory. One is a steel receiver, made in Greece on original HK tooling. Known there as the SAR-3, it was changed to the SAR-8 by over striking the markings on the gun. Being an import, there are some restrictions on what you can do with it, such as adding flash hiders.
[JWR Adds: See the correction on that point, below.]
There is also another SAR-8, built in the US on an Imbel aluminum receiver. It qualifies as a US manufactured gun, and since the 1994 ban is dead, are pretty much able to be modified as you wish.
[JWR Adds: Actually, being built on an imported receiver, it still needs to have 10 U.S. made parts.] It has some minor differences from a “real” HK, but nothing that can’t be dealt with fairly easily. You can recognize these by the aluminum receiver, green furniture and rail machined into the top of the receiver. As I mentioned earlier, I bought an SAR-8 a couple of years ago for a song, NIB. Mine is one of the Imbel aluminum receivers, so I view myself as fortunate (although many would disagree–the Imbel receivers seem to have a bad reputation). After some initial teething problems that I was eventually able to trace to bad magazines (lesson learned–stick to steel), it’s been a reliable performer. If anything ever goes wrong with it, Springfield has a lifetime warranty, and there are quite a few stories of folks being offered M1As as direct swaps or as a “swap plus small amount of boot”.
I’d like to find one or two more of these, but interestingly enough, the few I see are commanding prices above what I paid for mine. Make of that data point what you will. I enjoy your blog, even though I don’t get to stop by as much as I would like. Keep up the good work.- The Freeholder

 

Mr. Rawles,
I have read and enjoyed both your book and the Survival Blog. I have found them very useful and thought provoking. Whether I agree with something or not is of no consequence EXCEPT when the information is factually in error and might mislead some folks who depend on it. Such is the case with the following:

The SAR-8 (Springfield Armory’s clone of the HK91) are well made (much better than the CETME). Their only serious shortcoming is that they lack a flash hider. Be advised that a large number of SAR-8s were illegally retrofitted with flash hiders. (The 1994 ban expired, but the original import ban that bans flash hiders is still in effect!)

I am an 07- FFL/SOT so I keep up on these things. The 1994 ban DID restrict flash hiders and threaded barrels along with folding stocks, high capacity mags and bayonet lugs. Of course, it is gone. The 1989 import ban DID NOT forbid flash hiders, threaded barrels or the other “evil features”. What it DID do was mandate not more than 10 imported parts on certain guns. Therefore, the addition of a flash hider to an SAR-8, FAL, HK, AK etc will require that the gun be in compliance with section 922 and have NOT MORE than 10 imported parts. If the gun was originally equipped with 10 or fewer imported parts you can add all the “evil features” you wish so long as you do not thereby exceed the limit of 10 imported parts. I hope this clears up a common misconception that might lead folks to think they can’t add a flash hider or other feature to their SAR-8 or other gun. Sincerely, – M.G.

JWR Replies: My most humble apologies for the error. Thanks for pointing that out. I will go back and will correct my original post. Assuming that the fake (unslotted) pinned-on pseudo flash hider that these rifles came with counts as one of the ten requisite U.S.-made parts, then removing it and replacing it with an original German, Greek, Pakistani, or Portuguese-made flash hider would be a violation of the Federal law, unless you substitute an American-made part to “keep up the parts count.”  Ditto for removing the original goshawful-looking thumbhole stock.  I recommend T. Mark Graham of Arizona Response Systems as a source for the replacement U.S.-made parts, as well as some great gunsmithing and refinishing services. See:  http://www.arizonaresponsesystems.com/home.htm



Jim’s Quote of the Day

“…there are some things that can beat smartness and foresight. Awkwardness and stupidity can. The best swordsman in the world doesn’t need to fear the second best swordsman in the world; no, the person for him to be afraid of is some ignorant antagonist who has never had a sword in his hand before; he doesn’t do the thing he ought to do, and so the expert isn’t prepared for him. – Mark Twain, A Connecticut Yankee in King Arthur’s Court