Note: Yale’s withdrawal rate runs about 5%–a reflection of the market beating returns they’ve earned as an active investor. But the actual formula reflects a variable withdrawal rate because the planned draw for the coming year equals 80% of the current year’s draw plus 20% of the historical spending rate times applied to the endowment fund’s previous year’s ending balance.
What’s a bivvy? Glad you asked. The modern term refers to a weatherproof bag that is used in the wilderness or in an emergency setting to provide shelter (typically for one person, like a sleeping bag). We get the word from the UK (where they spell it with two “V”s), and it’s based on the more familiar word bivouac (meaning a temporary encampment). A bivy can be used in conjunction with a sleeping bag, to create a more weather resistant shell, or a heat reflecting liner. Or the bag can be used as a standalone shelter. Items like these have been on the market for years, but as materials improve – their weight keeps dropping and their effectiveness is increasing. Enter the TACT Bivvy Emergency Sleeping Bag from Survival Frog. This tight-packing bivy is made from our HeatEcho™ thermal reflective material to hold in your precious body heat. Like a space blanket, these remarkable materials can reflect back as much as 90% of your body heat. The bag is also windproof, waterproof and reinforced with taped seams. These are a great survival resource for your vehicle (particularly in the winter), but they’re a great fit in your survival kit or bug out bag too. Each one packs down small into nylon stuff sack provided, and they weigh less than 5 ounces each. There is a bright orange version, perfect for assisting SAR crews in finding you. You can also get a green version, for a lower profile in the wild. Either way, it’s a feather-weight shelter that fits in the palm of your hand!

“Hell yeah [we had fun making it]. It was surreal. I met [the Creative Control] guys through Shipes. They’re part of the team, and they’re like genuine, good guys. Those are my homies, Coodie and Chike. We were coming up with ideas as we were going along [with the masks from Urban Outfitters and different shots to use], so it was perfect synchronization.”


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