Protocol Field Manual - Flip Book 080217

F ROM T HE AU T HOR O F

R E T I R EMEN T M I L L I ONA I R E

BY DR. DAVID EIFRIG JR., MD, MBA

Published by Stansberry Research. Copyright 2017 Stansberry Research. All Rights Reserved. Any brokers mentioned herein constitute a partial list of available brokers and is for your information only. Stansberry Research does not recommend or endorse any brokers, dealers, or financial advisors.

About Stansberry Research

Founded in 1999 and based out of Baltimore, Maryland, Stansberry Research is the largest independent source of financial insight in the world. It delivers unbiased investment advice to self-directed investors seeking an edge in a wide variety of sectors and market conditions. Stansberry Research has nearly two dozen analysts and researchers – including former hedge-fund managers and buy-side financial experts. They produce a steady stream of timely research on value investing, income generation, resources, biotech, financials, short-selling, macroeconomic analysis, options trading, and more. The company’s unrelenting and uncompromised insight has made it one of the most respected and sought-after research organizations in the financial sector. It has nearly one million readers and more than 500,000 paid subscribers in over 100 countries.

About the Author

Dr. Eifrig is the editor of three Stansberry Research newsletters... His largest monthly publication, Retirement Millionaire, shows 100,000-plus readers how to live a millionaire lifestyle on less money than you’d imagine possible. Retirement Trader shows readers a safe way to double or triple the gains in their retirement accounts with less risk. Income Intelligence shows investors how to analyze the income markets to maximize their income and total returns. Doc has one of the best track records in the financial-newsletter business. From 2010 to 2014, he closed 136 winning positions in a row for his Retirement Trader subscribers. Before joining Stansberry Research in 2008, Dr. Eifrig worked in arbitrage and trading groups with major Wall Street investment banks, including Goldman Sachs, Chase Manhattan, and Yamaichi in Japan. He has also published peer-reviewed medical research. After retiring from Wall Street, Dr. Eifrig attended medical school to become a board- eligible ophthalmologist. At Stansberry Research, he shares his love for empowering people with his finance and medical knowledge.

THE PROTOCOL PREPARE STEP ONE OF THE DOCTOR’S PROTOCOL PROVISION STEP TWO OF THE DOCTOR’S PROTOCOL PROTECT STEP THREE OF THE DOCTOR’S PROTOCOL PROSPER STEP FOUR OF THE DOCTOR’S PROTOCOL SECRETS OF SURVIVAL 1 18 34 48 67

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The Doctor’s Protocol Field Manual

FOREWORD Some days... I don’t recognize my country anymore...

In 2013, government contractor Edward Snowden exposed the National Security Agency’s top secret PRISM spying program. The then-30-year- old whistleblower laid bare how aggressively the U.S. government pries into the private lives of its citizens. PRISM is a warrantless, domestic sur- veillance nightmare. The program vacuums up and stores all American citizens’ private e-mails, phone calls, web searches... everything. Snowden is now holed up in Moscow. He has received political asylum in Russia. In a bid for his extradition, the U.S. government has promised the Russians it will not torture or execute Snowden. Our government argues it’s protected to pursue him under a law passed during World War I, in 1917... that’s three years before women could vote in America, when maniacal men ran the world. Now, I don’t know about you... but I remember when refugees from the then-Soviet Union fled to America from “the evil empire.” They sought asylum from a totalitarian state able to torture or kill them... Today, the world is turned on its head. Sadly, the existence of a domestic spying program like PRISM is outra- geous... but hardly surprising. Recently, it was discovered that the FBI was paying Best Buy’s Geek Squad employees to search computers turned in for service. At best, a warrant should be required. At worst, Best Buy should go out of business for deceiving its customers by acting as an arm of the government.

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Over the past dozen years, we’ve witnessed the growth of a massive po- lice-state architecture in the United States. We have new internal security agencies (the Department of Homeland Security)... a monstrous internal travel-security force (the Transportation Security Administration where supervisors make $170,000 a year)... militarized local police depart- ments... “peace officers” in black uniforms who wield machine guns and drive armored vehicles in small towns across America. And in the wake of the horrific terrorist attacks of September 11, 2001... many folks would say the threat of another attack justifies the govern- ment’s actions. But here’s an interesting statistic I’ve never seen reported in any major media outlet... According to the National Consortium for the Study of Terrorism and Responses to Terrorism, 28,300 died as a result of terror attacks world- wide in 2015. That means out of a total global popular of about 7 billion, terrorists killed 0.0004042857% of us. It’s even smaller for Americans. By way of comparison, Americans are as likely to die from a terrorist attack as they are from household appliances falling on them. I didn’t make this up. These are the statistical facts. As a trained medical doctor, eye surgeon, and former Wall Street trader, I’ve focused my entire professional life on sound analysis of facts and statistics. I prefer to leave the realm of hype and conjecture to others. The U.S. police state is perhaps the worst example of the damage irrational, fear-driven decisions can cause. The government has created all of this in the name of “fighting terrorism.”

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Similar decisions in our individual lives – especially when made during crisis situations – have the potential to destroy our fortunes, our families, and our futures. Helping people avoid these critical mistakes was the inspiration behind this book. This field manual is designed to help you insure against the most likely dangers out there. Its scientific approach boils everything down to what I really care about – facts. From these facts, I’ve developed a protocol that – when fully implemented – will provide you a level of confidence and security most can only dream about. You’ll never let irrational fears dom- inate your decision-making processes again. This could save your life. Whether you are exiting a burning building... enduring an extended pow- er outage... escaping a crashed jetliner... shipping your assets offshore... or overcoming any number of possible adversities, you’ll be empowered to take the actions necessary to safeguard the well-being of yourself and your family. That’s “sleep at night” confidence you can’t put a price on. And it’s what I hope to impart to you by the end of this book.

Here’s to our health, wealth, and a great retirement,

Dr. David Eifrig Jr. MD, MBA Editor, Retirement Millionaire November 2017

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Rick Rescorla may be the greatest American hero you’ve never heard of...

A decorated Vietnam veteran of British birth, Rescorla was the head of security for Morgan Stanley’s World Trade Center offices in New York City. With a workforce of nearly 3,000 people, the bank was the towers’ largest tenant. Although Rescorla’s heroics hold a special place in the hearts of Morgan Stanley employees, his deep understanding of crises made him a pain in the neck some days... Rescorla was an expert disaster planner. He worried that the World Trade Center represented a major terrorist target. So he put Morgan Stanley employees through frequent, random evacuation drills. When Rescorla’s evacuation drill orders came, everything stopped. Every last person was taught the evacuation routes, time limits, and con- tingency plans... and everyone would practice them. Although Morgan Stanley traded hundreds of millions of dollars a day through its World Trade Center offices, employees had to participate in Rescorla’s evacuation drills. Rescorla appointed team leaders and fire marshals for every floor. They underwent extra training. Their jobs were to make sure the different floors would follow his comprehensive 22-floor evacuation plan. Every visitor to Morgan Stanley would receive a proper safety briefing before conducting any business in the offices. Some folks found Rescorla’s drills annoying. They wanted to skip the interruptions and keep working. On September 11, 2001, the first plane hit Tower 1 at 8:46 a.m. The Morgan Stanley offices were in Tower 2. Office workers felt the explosion

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and saw the damage. They could see people breaking out windows and crawling out to escape the heat and flames. Some were jumping. Shortly after impact, the Port Authority came across the buildings’ inter- com system. The order was for everyone, in both towers, to stay put... But Rescorla was already out taking action... right according to plan. He ordered his security staff, floor leaders, and fire marshals to evacuate immediately. He picked up his walkie-talkie and bullhorn and command- ed the operation, floor by floor. The Morgan Stanley evacuation plan went into full effect... and the people responded the moment the order came down. They had been drilled in exactly what to do. Seventeen minutes later, at 9:03 a.m., the second plane hit Tower 2. The jolt knocked people off their feet. Desks and file cabinets over- turned. Papers littered the floors. The power went out. Many sustained injuries in the stairwells and on the Morgan Stanley floors. The stress on everyone jumped from high to extreme. But the evacuation continued according to plan. Rescorla knew everyone in the building was in serious trouble now. His people were performing well, but he needed to maintain their focus. He didn’t want anyone freezing... so he picked up his bullhorn and began singing songs from his youth. They were the same songs he’d sung to his men back in Vietnam. They helped people keep fear at bay and focus on the task at hand. The songs worked just as well in the World Trade Center stairwells as they did during the war. In between songs, Rescorla paused to call his wife. “Stop crying,” he told her, “I have to get these people out safely. If something should happen to me, I want you to know I’ve never been happier. You made my life.” By around 9:45, the evacuation of Morgan Stanley’s offices was nearly complete. But at the bottom, Rescorla turned around and started heading back up. A handful of people were unaccounted for, plus members of his security staff. Then, there were the firemen, police, and people from every other office in the building. Everyone knew Rescorla wouldn’t come out until every last person had been rescued.

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Rick Rescorla, American hero, was last seen in the 10th floor stairwell, heading higher. Not long after that, at 9:59 a.m., Tower 2 collapsed. Just thirteen Morgan Stanley employees died on 9/11. This includes Rescorla and four of his security team. But the remaining 2,687 employ- ees, plus 250 office visitors, survived. They survived in large part thanks to Rescorla and his knowledge of something called “negative panic.”

They survived because Rick Rescorla had a plan.

The Biggest Misconception About Disasters

When I say the word “disaster,” what comes to mind?

If you’re like most people, you immediately think about panicked crowds and mass hysteria. You probably envision riots, chaos, and people rush- ing about, trying to save themselves.

But guess what...

Scientists have studied the crisis phenomenon over and over again. It turns out this is NOT what happens. In fact, the most common reaction to any crisis is the complete opposite of what I just described. Contrary to popular belief, most people don’t freak out.

They simply freeze.

Researchers refer to this response as “negative panic.”

It’s an involuntary, and often very dangerous, response. It’s what hap- pens to most people... despite what you see on television and in the movies. In a real-world crisis, people lose all ability to make rational decisions. They become statues and do little – or nothing – to escape a life-threat- ening situation.

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That’s why disaster plans and drills created by people like Rick Rescorla are so important. They train people to fight “negative panic” and react in a way that saves lives. You may say to yourself, “The World Trade Center example is extreme. Nothing like that will ever happen to me.” If you’re part of the tiny percentage of Americans who NEVER experience a real crisis in your life, consider yourself one of the very lucky ones. But realize that every day, regular Americans just like you and me are faced with floods, tornadoes, deranged murderers, hurricanes, stock market crashes, rapists, and dozens other crisis-causing events and peo- ple. And plenty of crises occur in ways that don’t make headlines. Health emergencies, home fires, and household accidents all can elicit “negative panic” with dangerous or fatal consequences. In just the past 15 years, Americans have dealt with the 9/11 attacks... Hurricane Katrina... the 2008 financial crisis... the shootings in Columbine, Newtown, and Aurora... and the Boston Marathon bombing, just to name a few. As I mentioned, I hope you never have to deal with a serious disaster. But over a lifetime, it’s very likely that you will. In it, you’ll find techniques, plans, and strategies to help you handle the kinds of disasters we regularly face as Americans. Before we get into the dangers we all face and how to effectively deal with them, let me get back to one of the biggest misconceptions of dealing with crisis. As I mentioned, the most common reaction to a crisis situation is not chaos... but rather what’s called “negative panic.” I hope you’re right. I hope nothing “extreme” happens to you. That’s why I’ve put together this special emergency-preparedness manual.

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My Lesson From Wall Street I became a physician for my second career. Prior to that I earned my MBA and began my professional life on Wall Street. I’ve worked at the trading desks of some of the most powerful banking institutions in the world, including Goldman Sachs. The interesting thing is... I saw the “negative panic” response as much in the financial markets as I did in my medical studies. Trading the financial markets is not for the undisciplined. Billions of dollars are transferred between parties every day. Traders employ a wide variety of techniques to try to predict what the market will do. But most of these are rational approaches... Yet, the irrationality of human beings leads to outcomes that are less than logical. I’ve seen individuals with huge open trades freeze up when the market turned against them. The stress and fear in the moment overwhelmed them. They had no backup plan in place. They didn’t know how to respond. And they rode their losing trades all the way to the bottom. It’s ugly. It’s sad to say, but I’ve even known of traders who took their own lives after such trades went awry. That’s why one of the first lessons I learned on Wall Street was this simple mantra: Plan the Trade... This means you make all your preparations ahead of time, including – and this is critical – contingency plans for when things go wrong. You always have at least one exit strategy BEFORE entering a trade. Multiple exit strategies are better. This way you will know how to react in a stressful environment. Trade the Plan... This means you execute your plan to the letter. It may seem like an easy thing to do. The truth is, powerful emotions well up in- side you in stressful circumstances. Focusing your attention on following your plan often means the difference between success and failure. “Plan the Trade, Then Trade the Plan”

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My friends in the military have told me a similar phrase. They call it the “8 Ps”: “Proper Prior Planning and Prepara- tion Prevents Piss-Poor Performance” That’s why in war movies we always hear the veterans tell their new com- rades, “Remember your training.” The military has a checklist or flowchart for just about every possible procedure. It might seem to go a bit overboard sometimes... but in crises, the training and preparation can make the differ- ence in whether people live or die. Whether you follow the “8 Ps” or my own personal trading mantra, the point is you must be prepared to act ahead of time. Waiting for the crisis to unfold is too late. Our brains shut down under extreme fear. You’ll have no hope of trying to reason out what to do, when minutes (or even seconds) mean the difference between life and death. The benefits of having a prior plan – or protocol, as I call it – are twofold. First, the protocol is a roadmap for how to navigate out of a crisis. Know- ing what to do is a tremendous benefit to you and your family. Second, knowing that you know what to do is an even more powerful benefit.

In 1646, Jesuit priest Athanasius Kircher noted a curious condition in animals under duress. When gripped in the hands of a human attacker, some wild creatures would squawk, flail, and struggle for five to 10 seconds. Then... the animals would go catatonic. Their temperature dropped. Their respiration increased. Their heart rates slowed. Their eyes stayed open, but their gazes were unfocused. The animals became calm and quiet in the face of certain death. They could stay in this trance-like state for 20 minutes or more. Kirchner was able to “bewitch” blackbirds, eagles, peacocks, and owls in this way. His work was the earliest academic record of what some have called “animal hypnosis.” And birds are not the only animals to exhibit these tendencies. Recent experiments have shown frogs, crabs, lobsters, lizards, snakes, boars, cows,

rabbits, and primates — including humans — all exhibit the same hypnotic

This knowledge alone builds confidence and reduces fear. If fear doesn’t spike to extreme levels inside you, you’ll be unlikely to ever succumb to negative panic. Your confidence will allow you to take appropriate action while fear paralyzes others.

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The chapters that follow will provide the foundation for this confidence. Specifi- cally, I’m talking about the four steps in what I call my Doctor’s Protocol.

reaction when faced with imminent doom. In humans, psychologists have called this reaction “negative panic.” It turns out this “hypnosis” is an evolutionary survival tactic. By playing dead, the prey signals to the predator that it may be rotten or diseased. It’s a ruse designed to play to the predator’s own evolutionary survival instincts: The best way to keep living is to avoid ingesting poison. Modern experiments seem to indicate two necessary conditions for negative panic to strike humans. First, people must feel trapped. Second, they must feel extreme fear. The good news is that we can prevent ourselves from ever succumbing to animal hypnosis or negative panic. There are proven ways to control these feelings. The critical factor is... we must prepare ahead of time. We must have a plan in place, and we must practice it. Trying to handle the overpowering grip of fear in the midst of a crisis is too late.

These steps are:

No. 1: PREPARE No. 2: PROVISION No. 3: PROTECT No. 4: PROSPER

Once you learn these simple tech- niques, you will be prepared for just about anything nature or mankind can throw at you. I believe it will give you a whole new outlook on life, too. Crises and the occasional disaster are just a part of life. You have to accept that fact. And when you are prepared, these things become merely nuisances, rather than life-changing events. I personally know that no matter what happens, I can deal with it. So I don’t lose a minute of sleep thinking about these types of problems. My Doctor’s Protocol will give you just about everything you need to know. I’ve read the books. I’ve studied the science. And I’ve boiled it all down to just the information you really need to know.

Last, I’ve taken my research and included one final bonus chapter called “Secrets of Survival.” The contents inside will help you synthesize the

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four steps of my protocol. They will let you take immediate action to pro- tect yourself and prosper. You will have no trouble handling adversity in a way you never thought possible.

Let’s get started.

PREPARE: Step No. 1 of The Doctor’s Protocol

The first step in my Doctor’s Protocol is called PREPARE.

What does this mean exactly?

Well... this is the most-often overlooked part of nearly every prepared- ness plan. Most people tend to focus exclusively on what they “have.” But in reality, supplies are much less important than PREPARE.

By PREPARE, we mean several things:

1. To gain an understanding of what really happens in a crisis.

2. To understand how you and your family are likely to react in a crisis situation, and...

3. To know exactly what steps you must take. To have a plan.

PREPARE helps you understand how a crisis really unfolds and how groups and individuals react to stressful situations... then implement a strong strategic plan. When I explain this critical step to people, the usual reaction that I get is that it sounds “simple”... and some even dismiss it as “common sense.” But remember... you will not respond to a crisis situation the way you behave in normal life. In a true crisis situation, your brain basically shuts down. For example, paramedics say it’s common for people dealing with a loved one’s emergency to get a neighbor to dial 911 for them because they just can’t perform such a seemingly simple operation.

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Think about that for a minute... The rush of chemicals coupled with the complete unfamiliarity with the situation makes it almost impossible for many people to pick up the phone and hit three numbers.

The good news is, you have several ways to fight this.

Know Thyself

Remember... negative panic is an evolutionary, involuntary coping mech- anism that feigns death. It strikes people who feel terrified and trapped. In caveman days, playing dead to make a saber-toothed tiger lose interest in you might have been a good survival tactic. But in a fire, flood, crash, or other similar disaster, negative panic leads to near-certain death. That’s why in our modern world, we must avoid slipping into this state of mind.

To do this, we need to look into human psychology...

Disaster researchers have determined humans typically go through three mental stages in a crisis. Remember these. Being able to recognize what stage you’re in is one way you’ll keep from slipping into negative panic.

We’ll call these stages the “Three Ds”:

1. Stage 1 - Disbelief 2. Stage 2 - Deliberation 3. Stage 3 - Decisiveness

This order is the usual progression of stages. Remember, there are no absolutes... Both the order and the amount of time spent in each stage varies. The important thing to remember is... you want to get yourself into Stage 3 as fast as possible. Stage 3 is the only stage where you can take the decisive actions to save your life.

Let’s look at each stage a bit closer.

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Stage 1 – Disbelief: The brain works by taking experiential data and comparing it with mod- els it has already formed to understand the world. Most of our everyday lives fit into one of these models. Unless you have a “first responder” type of job, emergencies are not a regular occurrence. When an emergency happens, the data our brains receive won’t mesh with our normal models. So it tries to shoehorn the situation into a famil- iar model. It does this through reacting in denial or disbelief. A great example of disbelief occurred in the Morgan Stanley offices on 9/11. Rick Rescorla made every effort to prepare his coworkers for an emergency. But after the first plane hit, one senior vice president stayed at his desk. He kept conducting business on the phone. He refused to evacuate with the rest of his floor. He was in complete disbelief. He denied that he was in any danger... and he paid for his disbelief with his life. Tragically, he was also one of the reasons Rescorla went back up into the burning tower after he’d rescued almost everyone else. When something happens outside your normal experience, you must rec- ognize it as such. Don’t say to yourself “oh, it’ll be OK” or “the authorities will tell me if I should worry about this.” You need to recognize you’re in danger. The sooner you do this, the sooner you move past Stage 1. Stage 2 – Deliberation: A person moves past Stage 1 when he accepts the reality of the situation. Now, he must do something about it. But what? This is the start of Stage 2, deliberation. Some people have a hard time deciding what they will eat for dinner. They can run internal deliberations for hours. Imagine trying to delib- erate the best way to save your life... right in the middle of a terrifying ordeal. It’s difficult, dangerous, and deadly. We may wonder what went through the mind of the Morgan Stanley execu- tive who stayed behind and kept working. After the second plane hit Tower 2 (his own building), do you think he started to deliberate how to escape?

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Would he go down towards the ground? Would he go up towards the roof? Would he have to jump, like he saw people doing from Tower 1? I’m sure he felt trapped and terrified... Odds are good he succumbed to negative panic and simply froze. The point is you do NOT want to spend too much time deliberating in a crisis. You want to know exactly what to do ahead of time. If you already have a contingency plan, there is little need for deliberation. You just execute the plan. Just like my lesson from trading on Wall Street. This is the moment you take action. You start to carry out the plan in place. This should be a pre-determined, well-reasoned, and rehearsed plan. Rescorla’s prior evacuation instruction and drilling put almost every Morgan Stanley employee into “instant Stage 3” when the actual crisis struck. His fire marshals and floor leaders began taking action even before his actual evacuation order. Thousands of people survived because of this instant “fast-forward” to Stage 3 – decisiveness. Learn and practice this vital anti-fear tactic. Before you ever begin making your disaster response plans, I have a powerful technique you can implement right away. It’s something every American should know to avoid falling into negative panic... even if you don’t yet have a ready response plan. It’s a simple exercise used by the Green Berets, FBI agents, and police officers around the country. It’s called “Combat Breathing” in some circles... and “Tactical Breathing” in others. To be able to do this in our own lives, we must... Which brings us to... Stage 3 – Decisiveness:

I’ll teach you how to do it right now... in less than one minute.

Here’s how it works...

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Breathing is one of the few actions that can be controlled by both our so- matic nervous system (the things we can consciously control, like moving your arm or sticking out your tongue) and our autonomic nervous system (which includes things we can’t typically voluntarily control, like heart rate, perspiration, and digestion). You breathe automatically, without thinking about it... but you can also consciously change the way you breathe, at least for a brief period of time. Breathing is a bridge – for most people, the only bridge – between these two nervous systems. By controlling it, you can alter the way your entire body responds in a crisis. If you find yourself freezing up... starting to panic... or if you are having a hard time figuring out exactly what to do next in any crisis situation, the first thing you should do is try this simple four-step “Combat Breathing” technique. Combat Breathing Technique Step 1. Breathe in for a count of four. Step 2. Hold your breath for a count for four. Step 3. Exhale for a count of four. Step 4. Count to four before starting over again. I know, it sounds incredibly simple, but the next time you feel stressed... or even the slightest bit panicked, give it a shot for just a minute or two. I guarantee it will change the way your body is responding. It will calm you down... help you think much more clearly... and help you take action. Make Combat Breathing the universal first step of every crisis response plan right now. The breathing technique I described can help you right away... even if you don’t have your crisis response plans ready. That’s why I’ve listed it first. That’s it.

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But combat breathing should be a way to enhance your response plan... not your only emergency skill. The next step to avoid negative panic is to get familiar with your own natural crisis response. Take stock of your life and your circumstances. The ideas above should give you a better sense of your internal crisis response. This basic awareness may seem simplistic, but it is vital. It will help you break through to Stage 3: Decisiveness. Let’s begin fleshing out what the rest of your response plans will look like. All good plans have two fundamental components - a strategic goal and tactics to achieve this goal. Said another way, your strategy defines what you are trying to accom- plish. Your tactics determine how you will accomplish it. Let’s begin to devise some emergency-response strategies. We will base these on the given realities of your circumstances. I’d like for you to think about the situations in your life that would leave you vulnerable. For example, what would you do if...

• Your house is broken into. • The power goes out for days or weeks. • You lose your job. • You’re held up by an armed assailant. • You endure a natural disaster. • You get drawn into a physical altercation. • The modern communications grid goes down. • You’re told to evacuate your hometown. • You’re caught in a terrorist attack. • Your home catches fire. • You’re involved in a transportation accident.

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Everyone’s circumstances are unique. Everyone’s response plan will be different. There are no “one size fits all” answers to these questions. The important thing is to reflect on scenarios like the ones above. So right now go back and read each line while practicing Combat Breathing. Your goal will be to come out of these emergencies in one piece. Try to think of other crises that apply to your unique circumstances. Of course, you can go overboard with this phase. You cannot – and should not – try to prepare for everything. But what you can do is pre- pare for the crises that are most likely... and those that are potentially catastrophic for you and your family. In my bonus chapter, “Secrets to Survival,” I’ll give you some specific guidelines for responses to threats like these. But I’m not going to list those here... For now, just take note of potential disaster situations, and start to conceive of how you will respond to them. Doing this mental “legwork” now will calm and empower you when the crisis occurs. Remember, the PREPARE stage is about preparing your most important crisis response tool... your mind. You may want to write these ideas down. You’ll refer to them as you prog- ress through the protocol. Use this manual to help round out general threat awareness. Acute crises are always the things that grip the imagination. People al- ways wonder how they would react in a plane crash or terrorist incident. My protocol will give you some important tips should you ever find your- self caught in one of these situations. But the reality is, the chances of these dramatic misfortunes striking you are slim. In 2012, the National Counter Terrorism Center released a report on terrorism-related deaths. It concluded Americans are as likely to die from a terrorist attack as they are from household appliances falling on them. These are the statistical facts.

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The crises most Americans are likely to face seem more mundane... but are no less threatening to your survival. Health emergencies, house fires, and accidents are far more common and require at least as much preparation. Regular Retirement Millionaire readers know I focus my analysis on facts and statistics... and leave the realm of hype and conjecture to oth- ers. The facts say that fire is the disaster that kills more Americans every year than all other disasters combined. This protocol is all about helping you provide insurance against the most likely dangers out there. Fire is a universal threat... but others are more location-specific. I’ve found a free online resource that can help acquaint you with the disasters you are most likely to face. It provides you tailored response suggestions based upon your location. Please note: The Federal Emergency Management Agency (FEMA) main- tains this website. I cannot endorse all of its prescribed solutions. We’ve all witnessed the government mishandle too many crises to trust it to do the right thing. But I do like this website’s state-by-state resource page. At a minimum, it will help open your eyes to some of the most likely threats to you and your family. Learn the skills needed to exit the crisis. The steps above have helped you center your mind. They’re also assisting you in devising a comprehensive preparedness strategy. Plan the Trade, Trade the Plan In our mantra, they’re all designed to help you “ plan the trade .” But that is only half the battle... In order to master the other half – to “ trade the plan ” – you must have the appropriate skill sets necessary to put your plans into motion. You can check it out at this website: http://www.ready.gov/today

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The information that follows is some of the most valuable in my whole PREPARE protocol. There is a way to get free, professional-grade disas- ter-response training. I’ve uncovered a program that will bring your skills up in a hurry. It’s called the Community Emergency Response Team (CERT). It’s fund- ed through FEMA. But it’s administered by local emergency responders, like your neighborhood fire department. The government established the program to bring regular citizens into the formal disaster-response process. CERT members receive training on how to handle a wide range of crises. This includes everything from natural disasters to biological attacks to basic medical emergencies. CERT classes also teach you the inner workings of government readiness plans. Upon graduation, you will be credentialed. The program will even outfit you with uniform items and equipment. All of this may afford you greater access and mobility in times of emergency. If the government sets up checkpoints or relief camps, a CERT credential could make it easier for you to navigate through the system. Practice, practice, practice. This is the final component of the PREPARE protocol. It’s also the most important of all. The previous ideas helped you add new tools to your emergency-response “toolkit.” These provide the framework for staying calm and focused in a crisis. Use them to avoid falling into negative panic. But even the sharpest blade dulls over time. It is not enough to have an academic understanding of how to act. You must practice these skills if they are to remain with you. Remember, the last thing you want to do is try to think through a crisis. Practice is the only way you will learn to move quickly through the stages and take immediate action. The vital information in my entire Doctor’s Protocol is useless unless you practice it. That’s why this is the most important component of all. Think back to when you were first learning to drive. You had to think through how to change lanes or make a left-hand turn. Now, you don’t

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When to Trust the Government To be clear, I make a distinction between the government’s emergency- response strategies vs. its emergency-response tactics. CERT training will teach you both, but I believe the tactical side holds the greatest direct benefit. This includes acute life-saving skills. Learning how the government plans to respond is also beneficial, but mostly so you can know how to work around and through its inefficient plans. Make no mistake, I am not just “government bashing.” The following is a direct quote from a government CERT instructor. Author Neil Strauss took the course in Los Angeles. He chronicled his experiences in the book, Emergency: This Book Will Save Your Life. “‘You cannot count on us... Nobody’s coming to your aid in a disaster,’ [Kevin Mason, Strauss’ CERT instructor] said. [The CERT class] had already taught me that my expectation that the government would save and protect its citizens after Hurricane Katrina was unreasonable. “According to Mason, the federal plan was and always had been: let the mess happen and hope the people take care of themselves. Then come in, scoop up the survivors, and help the community recover.” You see... we’re on our own. Emergency readiness is everyone’s individual responsibility. But we can gain superior response skills through programs like CERT. Knowing that you know what to do (and how to do it) breeds confidence. I can’t promise you’ll never succumb to negative panic... but for a well-trained individual with a plan, the chances are greatly reduced.

even think about it... you just do it. The car feels like an extension of your body. How did you master this skill?

Practice.

The Doctor’s Protocol Step No. 1: PREPARE

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PROVISION STEP TWO

The first of our four-step Doctor’s Protocol – PREPARE – covers the most important aspect of any readiness plan... preparing the mind for crisis. Step No. 2 covers PROVISION. While the first step helps with the mental aspects of crises, the second step teaches you about the physical things you might need. Let’s start by discussing what sorts of crises you could face. That will help identify the things you’ll need. Know Thyself, Know Thy Crisis Crises come in two main varieties – acute and enduring. As I mentioned in Step No. 1, acute crises tend to be the ones that stick out in people’s minds. A man who wakes up in a house engulfed in flames

is in the middle of an acute crisis. He must take immediate action to survive. I give specific details about how to sur- vive several acute crises in the bonus chapter, “Secrets of Survival.” But these are not the types of emergencies that require action ahead of time... endur- ing crises are. Enduring crises don’t normally capti- vate the imagination... But they are the ones you are most likely to experience. Enduring crises may begin as acute crises – like an earthquake or hur- ricane – but they end up lasting far beyond the initial shock.

In Step No. 2: PROVISION, I’ll also share with you how much of these items you’ll need. In general, I recommend one week of reserves as the minimum amount to keep on hand. Or can increase/decrease your reserves in accordance with how long you feel you might be “off the grid.” No matter what you decide, I encourage you to stick to the adage: “Better safe than sorry.” If you can afford it, your level of preparation should exceed your level of risk.

Consider this “enduring” example...

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It’s Never a Question of “if”... On a hot summer afternoon on August 14, 2003, two power lines in Walton Hills, Ohio sagged down into a nearby tree. Power lines sag when they are overloaded. The extra electricity coursing through the lines heats them up. This causes them to expand and sag. And on this summer day, everyone in town was running his air condi- tioner... drawing a ton of power through those overloaded lines. When two sagging lines touched nearby trees, the contact tripped the local power station’s safety override mechanism. The system shut off power to the lines. The shutdown forced other lines to carry a higher load... which in turn caused them to sag into other nearby trees. The process repeated again and again. By 3:17 p.m., the local Ohio power station was producing more electricity than it could distribute through available lines. Emergency systems took the plant offline to prevent generator overload. Other plants increased output to compensate. But similar faults in antiquated power lines and emergency shutoff systems forced these plants to shut down as well. A cascade reaction began.

By 4:13 p.m., 256 pow- er plants across eight northeast states and one Canadian province had gone offline. Fifty-five million people were left without power... for days. As day wore into night, chaos began to unfold. Burglar alarms were inoperable, so break-ins and lootings spiked. Waves of panicked emergency calls over- whelmed police, fire

Blackout Area

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departments, and emergency medical responders. In New York City, emergency services responded to more than 80,000 calls for help, more than twice the usual amount. In Michigan, one man ran a gas generator inside his home and died from carbon-monoxide inhalation. Another died after falling asleep with candles lit... The fire spread to nearby curtains and engulfed his home in flames. Four million citizens across the state were under a boil-water advisory for days. Stress-induced heart attacks killed medicine-deprived elderly citizens. Reckless motorists killed children riding bikes through unlit streets. In city after darkened city, those without cash on hand had no way to purchase vital goods... nor could they withdraw funds from banks or ATMs. Commerce ground to a near standstill as the entire populace wait- ed and wondered... “What do we do now?” The northeast blackout of 2003 was the second-largest in world history, at the time. It contributed to at least 11 fatalities. For most involved, it was a dangerous and uncomfortable time. In the worst cases, the outage proved lethal. Recently, U.S. citizens were reminded of how awful these situations are when “Superstorm” Sandy struck the Eastern Seaboard in the summer of 2012. Residents of New York City and New Jersey went days without power. Unexpected, disruptive events are a fact of life. It is never a question of “if”... it is only a matter of “when.” There’s no good reason to be at the mercy of these unexpected, but inevitable, events. You can take some simple steps right now to protect you and your family against enduring crises like the 2003 power outage. My Doctor’s Protocol Step No. 2: PROVISION is about determining the basic supplies you need to become more self-reliant. It’s a critical part of your readiness.

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Must-Have Items for Surviving an Enduring Crisis 1. Water 2. Food 3. Power 4. Communications 5. Emergency Contacts 6. Money 1. Water. Water tops the list because it is most critical to your surviv- ability. The human body can last for weeks without food, but only a few days without water. You should keep at least one gallon of water per person per day in reserve for drinking purposes. If you live in an arid climate, you may want to store up to three gallons of water per person per day. Use the formula below to calculate the total amount of water you need. How to Calculate Water Needed _________ x _________ x ________ = ______________ (No. of people) (No. of gallons) (No. of days) (Total gallons needed) So if you have four people in your family... and plan for one gallon of drinking water per day for each person... and you plan to keep a seven-day supply... you’ll need to store at least 28 gallons of water (4 x 1 x 7 = 28). *** Five-gallon “water cooler” jugs may be the easiest and most economi- cal way to stock up. One-gallon jugs may fit better into available shelving. Using the example from above, 6 five-gallon jugs of water would give you 30 gallons, meeting your minimum needs with two extra gallons to spare. *** Please Note: It’s fine to store water in your garage. But don’t put plastic containers directly on cement floors. Most people don’t realize storing plastic water bottles on concrete can start a chemical reaction and contaminate the water. To be safe, store them on plywood or another nonporous membrane.

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***Original, unopened water containers are best for long-term storage. While they may have six-month “best before” dates, water does not “go bad.” The issue to be aware of is contamination. Water containers that you have refilled yourself are more apt to contain microbes. If you choose to fill your own water jugs, sanitize them first. Use a ratio of one teaspoon of bleach to one gallon of water. Shake the bleached gallon of water in one container for 10 seconds and let sit for a minute; repeat about three times. Rinse with drinking water and let dry before filling with the water you intend to store. Be careful not to contaminate the inside of the lid with your hands. Rinse the lids with the bleach-and-water mixture before putting it back on the bottles. *** With both water and food storage, the best practice is to rotate the stored items into your regular consumption patterns. Even though wa- ter lasts longer than six months, it would be best to consume the stored water and restock, twice per year. *** If you know a crisis may be coming (like an approaching hurricane), do what I do and fill up every tub or basin you have with water before the storm hits. Leave one sink empty for washing and drainage. The average bathtub can hold about 60 gallons. Don’t forget about laundry-room sinks and tubs. (They’re usually quite deep.) I even start my washing machine and then turn it off once the basin fills. This adds another 10-20 gallons of ready water. The water that fills these basins is the same water that comes out of your kitchen tap. As long as the basins are clean, this water is safe to drink. But I prefer to save the washing-machine water for washing and sanitation. *** If you’ve exhausted your supply of stored drinking water and still need more, you’ve got options. Most people forget that their hot water heaters are water reserves. The average water heater contains about 40 gallons of water. It’s the same water that comes out of your kitchen faucet. Attach a garden hose to the bottom release valve to tap into this emergency water backup.

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*** Tap water collected after a power outage occurs may not be safe to drink. Drinking contaminated water can make you very ill, very quickly.

Use the following techniques to stay safe:

• Boil Water: Bringing water to a boil for three minutes will make it safe to drink (after it cools). But don’t let it boil for more than three minutes. After that, valuable clean water starts to evaporate. • Sterilization: Add two to four drops of chlorine bleach per quart of water. Let it sit for 30 minutes. Smell the water. It should smell like chlorine. If it doesn’t, repeat the process. Wait another 30 minutes before drinking. • Solar Water Disinfection: If you cannot do either of the methods above, you can utilize the sun’s ultraviolet radiation to make water safe to drink. CAUTION: You must follow these exact instructions. Failure to do so will result in unsafe drinking water!

» » Use CLEAR, PLASTIC containers no larger than two liters

» » Remove exterior labels

» » Fill with clear, particle-filtered water (cannot be murky)

» » Expose bottled water to direct sunlight for six hours.

This method works as long as the container is made of plastic (not glass), is clear (not blue or some other color), and is low volume. (Ultraviolet radiation cannot penetrate dense concentrations of water.) For more detailed info on why and how solar water disinfection (so-called “sodis”) works, visit: http://www.sodis.ch/index_EN. *** So far, we’ve only discussed potable or “drinking” water. Don’t forget, water is important for washing and sanitation as well. You can reuse cooking water for other purposes. I’ll cover these issues in detail in Step No. 3 of my Doctor’s Protocol - PROTECT. 2. Food. Just as with water, you will want to keep at least one week of food per person in reserve. The best foods to buy for storage purposes are staples in your regular diet. Then, you can rotate them into your regular consumption patterns before their expiration dates approach.

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Canned vegetables, beans, and soup work best for this. You can also store canned meats and fish, like chicken, tuna, and salmon. Canned food may “keep” for longer than one year... but its nutritional value breaks down faster than its palatability. As a result, you’ll need to eat more just to feel “full”... and this could end up turning what you thought was two weeks of food into less than you expected. Bottom line: It’s important to keep canned foods “fresh.” Rotate them into your normal consumption. At most, keep canned food for no longer than one year. If you find cans in your stockpile bulging at the ends, the food inside has spoiled. Throw them out. Never eat a can that looks like it’s about to burst, no matter how hungry you are. Remember this adage, “When in doubt, throw it out.” *** When the power goes out, eat your most perishable food first. This means the stuff in the refrigerator. Try not to open the door until you know what you need and close it again as fast as possible. Refrigerated food can last about six hours. Frozen food will thaw out by the second day. Again, keep the freezer door shut as long as possible. Only after perishable food (refridgerated food first then frozen) is gone should you dip into canned goods... and finally emergency supplies. *** Something most Americans don’t understand is a simple rule of ther- modynamics when keeping food cold... When the power does go out, throwing blankets on top and around the refrigerator/freezer will extend the time the interior stays cool. Just be sure not to cover the backside or any vents you see (usually at the bot- tom). Covering these areas when the power comes back on will reduce efficiency and could become a fire hazard. *** Did you know that a full freezer will keep food cold for twice as long as a half-full freezer? You don’t want to have a lot of “dead air” inside the freezer. If you know a big storm is coming, with the potential for long power outages, pack your freezer as full as you can get it. Even in regular times, do what I do... Load up the unused space in your freezer with bottled water. This will help keep the food cold longer when

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