Bruce’s Poor Man Survival Bulletin
Your choice for urban survival resources
In This Issue:
1. Money saving holiday ideas
2. The Social Credit Movement
3. The Adventures of Unemployed Man-New Comic Book
4. Gone eBay on me
5. Dairy goats offer niche meat-new
6. The Debt-Free America Act-Another Obama Scam?
7. Get a free copy of the Economy Hits Home
8. Be sure to click on our Happy Halloween card (very end)
"To save the world is the
simplest thing in the world.
All one has to do is think."
- Leonard Peikoff
Social Credit…The Proposed Debt-Free America Act
The continuing decline of the US economy overshadowed one recent bit of good news…new figures show Americans are continuing to dump their debt, especially usurious credit card debt. The amount owed to credit card companies hit an eight-year low.
At the same time however, more folks are walking away from upside mortgages and we have a record number of Americans on food stamps.
That brings me an old Depression-era economic theory being revived…
Social Credit is an economic theory and a social movement which started in the early 1920s. The Canadian social credit movement was by far the most notable, but the ideas also gained some lesser success in other countries.
Social Credit was originally an economic theory developed by Scottish engineer Major C. H. Douglas. The name Social Credit came from his desire to make the betterment of society (Social) the goal of the monetary system (Credit).
Social Credit theory proposes that because the amount of money available under capitalism is necessarily lower than the total cost of goods produced, there will always be insufficient money to pay a realistic, sustainable price. He demonstrated this fundamental flaw with his A+B theorem, which states that if A is the payments made to all the consumers in the economy (through wages, dividends, and interest paid to banks) and B is the payments made by producers that are not eventually paid out to consumers (such as the overhead costs of buildings and equipment as they wear out) then the price charged for all goods must be at least A+B — an impossibility since only A is available to spend.
For such a system to sustain itself Douglas asserted that a number of things must happen:
People go into debt by buying on · credit
Governments borrow and increase the · national debt
Business borrow from banks to finance expansion
Businesses sell below cost, and eventually go · bankrupt
A state wins a · trade war, putting foreigners in debt to us for our surplus of · exports
A state has a real war, "exporting" goods such as · tanks and · bombs to the enemy without ever expecting to be paid for them, financing this by government borrowing
Subscriber Mike sent this to me…had not heard of this before & odds are you haven’t either. Is it another Obama scam?
Debt Free America Act. It is the most socialistic thing I have ever read. Just think, if you deposit $5,000.00 into your checking account or savings account, the bank has to take out 1% or $50.00 of that money and send it to Washington.
Debt Free America Act - States as purposes of this Act the raising of sufficient revenue from a fee on transactions to eliminate the national debt within seven years and the phasing out of the individual income tax. Amends the Internal Revenue Code to impose a 1% fee, offset by a corresponding nonrefundable income tax credit, on transactions that use a payment instrument, including any check, cash, credit card, transfer of stock, bonds, or other financial instrument. Defines "transaction" to include retail and wholesale sales, purchases of intermediate goods, and financial and intangible transactions. Establishes in the legislative branch the Bipartisan Task Force for Responsible Fiscal Action to review the fiscal imbalance of the federal government and make recommendations to improve such imbalance. Provides for expedited consideration by Congress of Task Force recommendations. Repeals after 2017 the individual income tax, refundable and nonrefundable personal tax credits, and the alternative minimum tax (AMT) on individuals. Directs the Secretary of the Treasury to: (1) prioritize the repayment of the national debt to protect the fiscal stability of the United States; and (2) study and report to Congress on the implementation of this Act.
Finally, when & if you vote this election day, see George Carlin’s take on why he doesn’t vote:
"To blindly trust government is to automatically vest it with excessive power. To distrust government is simply to trust humanity - to trust in the ability of average people to peacefully, productively coexist without some official policing their every move. The State is merely another human institution - less creative than Microsoft, less reliable than Federal Express, less responsible than the average farmer husbanding his land, and less prudent than the average citizen spending his own paycheck."
-- James Bovard
(1956- ) American author, lecturer
Source: Freedom in Chains, The Rise of the State and the Demise of the Citizen (St. Martin's Press), 2000
This week’s odds n ends
A lot more people are raising chickens as pets and Ruth Haldeman of Hot Springs, Ark came up with a profitable idea most of us would never have thought of…diapers for chickens as they do poop a lot. Check it out at:
Discover How To Quickly And Easily Protect You And Your Family From Identity Theft"
Without paying monthly fees for the rest of your life…least expensive program we’ve seen.
What is Mint Bullion, Exactly?
You may have heard the term “mint bullion” before, and wondered how it differed from other bullion. Here’s a straightforward explanation, with some interesting trivia thrown in
Dairy Goats offer a niche meat & income potential
Marinated goat isn’t bad and the cheese is good too…not so crazy about the taste of goat milk though…see our new article courtesy Grit magazine at our Poor Man site. Click on the Urban Livestock tab to read more.
Free DIY Solar & Other Plans
Spend as little as possible on things which will last as long as possible.
This site’s editors evaluate the lower price ranges in 100 product categories.
Tally your total price when using a credit card…useful during this holiday season, a free online calculator to find out how much you will really spend when using a credit card
On a related note…
Wouldn’t it be great if free Christmas gifts were easy to come by? Well, they can be. Put these 10 sources for free gifts to work for you, and you won't worry about your Christmas budget again:
Become a Mypoints member, and earn points for reading e-mails, taking surveys, doing web searches and shopping online. Then, cash in your points for gift cards that you can give as gifts or use to do your Christmas shopping. With over 75 merchants to choose from, you're sure to find a card for everyone on your list.
· Earn Free Gift Cards Through Mypoints
Cereal prizes aren't just for kids. Get in the habit of checking product packaging for offers, and you may just turn up some great ones. I've scored gift cards, DVDs, toys and even savings bonds this way. Who wouldn't like to get those as Christmas gifts?
Tips: Kellogg's runs some of the best offers that I've seen. To keep up with their latest promotions, there's a newsletter that you can subscribe to.
· Kellogg's Promotions Newsletter
The competition between department stores is fierce around the holidays – great news for the consumer. Get in the habit of checking the sales ads in the Friday newspaper each week for $10-off-$10 coupons. JC Penney and Sears are two stores that commonly run this promotion. Snag both coupons, and you could knock two gifts off your list without even pulling out your wallet. It's department store shopping at its best!
Enjoy sharing your opinion? Then, you've got to give surveys a try. You can earn magazine subscriptions, best-selling books and movies, gift cards, electronics and lots of other great stuff that your friends and family will love. This is one time when it pays to be opinionated.
· Get Paid to Take Surveys
· Top 5 Surveys Sites
Rebates are great any day, but they're especially nice when you're looking to boost a small Christmas budget. Be on the lookout for gift-worthy items that you can get free-after-rebate (bath products are a common offering), but also look for rebates on items that you buy regularly. If it's something you'd have to purchase anyway, go ahead and drop that rebate check in your Christmas fund, and you won't even miss it.
· Current Rebate Offers
We all have to grocery shop, so we may as well be paid for it. Sign up for Homescan; scan the barcode of each item that you buy (with the provided scanner); and you'll be rewarded with points that you can redeem in their gift catalog. Remember: they didn't say the gift had to be for you.
Credit Card Rewards
If you're disciplined enough to pay your credit card off each month, paying your bills with plastic can be a great way to rack up rewards points in a hurry. Let them accumulate throughout the year. Then, cash them in when you're ready to do your Christmas shopping.
Sweepstakes and Instant Wins
Enjoy entering sweepstakes and instant win game? Then, seek out games with prizes that you'd like to give as gifts. Sure, there's no guarantee you'll win; but you can at least try – and have fun doing it.
· Find Sweepstakes to Enter
· How to Use Sweepstakes Wins for Holiday Presents
· Great Gifts that You Could Win
Companies give things away all the time. Keep your ear to the ground, and be ready to pounce anytime something gift-worthy comes up for grabs.
· Free Christmas Gifts/Stocking Stuffers
Free Poor Man newsletter subscriptions Bruce · firstname.lastname@example.org
PM TIP-Use cola to whiten grout…simply pour the soda over your tile, let it sit for 10 minutes, then rinse for a nice gleam…also useful for chrome on your auto.
from our a new subscriber-worth a look see:
Please include the following two employment resources to your job site listings.
Free Kindle Reader for your PC from Amazon-if you want to try a Kindle reader, here is a means of trying it free from your own computer...they make a Mac version too.
Very cheap email blaster and I've got paid!!!
Safelists are one of the best ways to get your
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"[I]f the public are bound to yield obedience to laws
to which they cannot give their approbation,
they are slaves to those who make such laws and enforce them."
Pen name of Samuel Adams during the era of the Sons of Liberty
21 Money Savers You May Be Ignoring
What eats up your paycheck: food, clothing, your home, your car? Well, you might be making these 5 common money mistakes or missing out on valuable savings. Here are a few simple money-saving tricks for your most common purchases.
Don't miss 104 more money savers you may not know about.
Stock up on grocery staples right after Thanksgiving. It's prime time: More food coupons are issued in November and December than in any other season.
Try · amazon.com for nonperishables. Its "Subscribe & Save Program" typically gives 15 percent discounts (plus free shipping) on items such as paper towels.
Stop buying bottled water: At $1.50 per 20-ounce bottle, a family of four that goes through 20 bottles a week could save about $1,560 annually. The equivalent water from the faucet? Maybe $1. And it takes just seconds to fill a glass or a reusable water bottle.
Don't buy premixed: You can pay up to 50 percent more for foods with sugar, spices, or sauces already mixed in. Juice in cartons can cost a hefty 60 percent more than frozen concentrate.
Fill prescriptions at Internet stores for savings. Check · nabp.net for legit businesses.
"Liberty, next to religion has been the motive
of good deeds and the common pretext of crime..."
-- Lord Acton
Government Pirates: The assault on private property rights
By: Don Corace
After years of hard work and saving, you finally own a home. But don’t get too comfortable. If government officials decide they want your property, they can take it—for a wide variety of shady reasons that go far beyond the usual definition of “public purposes.” The courts have allowed these injustices to persist. And there is nothing you can do about it—not yet.
Real estate developer and property rights expert Don Corace offers the first in-depth look at eminent domain abuse and other government regulations that are strangling the rights of property owners across America. Government Pirates is filled with shocking stories of corrupt politicians, activist judges, entrenched bureaucrats, greedy developers, NIMBY (Not-in-My-Backyard) activists, and environmental extremists who conspire to seize property and extort money and land in return for permits. Corace provides the hard facts about individual rights and offers invaluable advice for those whose property may be in danger…available on Amazon
Parting Shots…this n that!
On an odd note…McDonald's adds marriage to the menu in Hong Kong
McDonald's announced plans to start hosting weddings at its Hong Kong restaurants, saying the idea to add nuptial packages to the menu stemmed from consumer demand. Wedding deals will include decorations, McDonald's themed gifts and personalized menus that include an apple pie wedding cake. "People said they'd dated here (at McDonald's), or met here, and wanted to get married here.
According to data from the Business Insider, more than 8,000 New York transit workers earn in excess of $100,000 annually and the head of New Jersey Teacher’s Union makes $500,000 a year-10 times that of the average US worker…yet teachers are often laid off in that state!
What the Poor Man is reading this week - No Place to Hide by Robert O’Harrow, JR…an inside look at the utter disregard the government has for the privacy of its citizens and how the security industry lobbyists pander and foster the growth of Big Brother…sickening that these idiots in Washington are doing this to their own citizens.
Check out the newest comic book - The Adventures of Unemployed Man, a clever spoof on the unemployment picture and bankers (as villains) created by, you guessed it…an unemployed graphic artist from CA…go to the PoorManSurvival.com site and click on JobResources.
Gone eBay on me…a new expression I coined meaning non-stop changes. eBay loves to create confusion & consternation among sellers with its never ending stream of changes and, I find many others do the same. My computer seems to require updates on a near daily basis from Microsoft, Adobe, AVG and others…gets to be like dealing with the never ending stream of government regulation - it doesn‘t stop!
As I reported in the last issue, America has more laws than any other country…enough to choke thousands of horses as well as citizens. We’re drowning in red tape and the big problem…too often no one in Congress has a clue what’s in the law. They frequently violate the Constitution or make no sense; too often penned by a lobbyist or assistant. These so-called representatives should be tried as traitors according to Dan Pilla Sr - a frequently quoted tax rebel and tax expert. Of course, we couldn’t agree more!
Interviews in the foreign press regarding the collapse of the US dollar
A few months ago, McDonald's became the first multinational company to sell renminbi-denominated bonds, and Wal Mart has openly discussed doing the same. I'm convinced that one day soon we'll see bankrupt cities in the US taking similar steps and auctioning off renminbi-denominated municipal bonds. In other words, as the Poor Man wrote more than a year ago, the Chinese currency (renminbi) will become the dominate world currency.
Finally, yet another example of what’s wrong with government…
A single, 31-year-old woman in Michigan who posted a note on her church bulletin board seeking a "Christian roommate" to share her residence has been cited by the state for violating the Fair Housing Act by discriminating against those of other faiths.
The complaint signed by Tyra Khan, a "Civil Rights Representative" of the state of Michigan Department of Civil Rights, surfaced when the Alliance Defense Fund announced today it was representing the woman.
ADF spokesman Joel Oster confirmed the organization sent a letter to the state explaining that such housing rules don't apply to people living in their own homes and wanting to share their resources. More at: http://www.wnd.com/?pageId=218349
According to much of the email I received this week, the consensus appears to be that few Americans are prepared to meet the harsh realities of the invisible hand (or as some call it, the New World Order)…indeed, the term was actually coined by Adam Smith as a metaphor for the forces that direct industry “in such a manner as its produce may be of greatest value.”
If you want another perspective on restoring the economy, get a free copy of The Economy Hits Home from the Heritage Organization at:
That’s all for this week’s episode - appreciate me now & avoid the rush!
Yours for the good life, the Poor Man
Don't Get Caught With Your Pantry Down-New 11th Ed.