Note: In his wonderful book for individual investors, “Unconventional Success,” Swensen suggests a 70% allocation to stocks with 30% directed to US stocks, 15% to developed foreign stocks, 15% to real estate investment trusts and 10% to emerging foreign stocks. The 30% bonds allocation gets split in half, with one part going into intermediate US Treasury bonds and the other part going into the US Treasury’s inflation protected securities.


Do you know the difference between a brown bear and a black bear? Hopefully you won’t come into contact with either of them but, if you do, you better know the difference – because you should make some LOUD noises and stand your ground if you encounter a black bear but WALK slowly away if you encounter a brown bear!  Better yet, make sure you’ve got a can of bear pepper spray in your survival pack if you plan on going somewhere where there are bears…
Hate to break it to you, but your dog probably has a better chance of making it through a total societal collapse than you do. A quick Internet search of "dog survives" lists everything from drowning to being shot, from bear attacks to war -- whereas the closest you've ever come to "surviving disaster" is getting your wisdom teeth pulled, and even then it was only with the help of a cadre of trained medical professionals and a carton of the strongest painkillers on Earth.
What’s on the list depends on which faction of preparedness you practice, pre-Y2K prepper and Seventh-day Adventist Church pastor Craig Wiles tells me. There are preppers, who anticipate an event like an ice storm or an EMP; there are survivalists, who arm themselves to face an enemy like a tyrannical government; and there are homesteaders, who grow their own food and practice self-sufficiency. 
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