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Wednesday, April 6, 2011

Get a Credit Card-Even w/ Marginal Credit

Bruce’s Poor Man Survival Bulletin
Your choice for urban survival resources

In This Issue

1. Debt Man’s Curve-how corporations screw America
2. How to get a credit card, even with marginal credit
3. Whole House Surge suppressor resources
4. How to erase yourself from the web
5. How to find a job in America today
6. Donald Trump upsets the hosts of the View-video

Our government has no common sense, only mindless policies by insensitive bureaucracies that defy fairness and common sense. Stupidity of regulation at the federal and state level cost each American family more than $20,000. --Randall Fitzgerald, writer for Reader’s Digest & author of Mugged by the State.

Debt Man’s Curve…how corporations screw America
Virtually every major agricultural commodity has soared in price over the past 6 months to a year.
During a recent meeting with USA TODAY's editorial board, Wal-Mart CEO Bill Simon said that rising inflation in the United States is "going to be serious" and that Wal-Mart is "seeing cost increases starting to come through at a pretty rapid rate." But Wal-Mart is not the only major corporation that says that inflation is coming. Hershey has just announced price increases of about 10 percent on their entire line of products.

Meanwhile, the average American continues to live in ‘la-la-land’.

The following is how many Americans actually plan their week....
Monday: Watch Dancing With The Stars
Tuesday: Watch The Dancing With The Stars Results Show
Wednesday: Watch American Idol
Thursday: Watch The American Idol Results Show

At this point, most people in this country cannot even intelligently discuss the pressing issues of our day. The quality of US TV continues to erode, appealing to a 7th grade level rather than offer any hard-hitting documentaries or informational programming.
In fact, 63 percent of Americans between the ages of 18 and 24 cannot find Iraq on a map and 90 percent of Americans in that same age group cannot find Afghanistan on a map.

Dallas Federal Reserve Bank President Richard Fisher recently said the following....
"If we continue down on the path on which the fiscal authorities put us, we will become insolvent, the question is when."

The IMF (Int’l Monetary Fund) head is telling the President we need to double the amount of taxes Americans pay in order to stave off collapse!

According to Gallup, the number of Americans that are either unemployed or working part-time but desiring full-time work actually rose from 19.8 percent in February to 20.3 percent in March…you should know by now you cannot trust government numbers!

Meanwhile, as we’ve reported as far back as three years ago, corporations like GE (Government Electric) paid no taxes, indeed, they got a $3.2 billion refund as they have the best tax law firm in the business working for them. The US share of corporate taxes has plunged to 6.6 percent from its high of 30 percent in 1950. Citizens have had to pick up the slack.

Corporations had near record earnings last year - $1.68 Trillion in pre-tax profits! They did this by laying off workers and making those who remained, work harder…plus the generous tax breaks they got from Congress due to stupid loopholes.

Virtually every major investor is dumping dollar assets and as I warned a year ago, (even Rush Limbaugh is talking about it now) your 401(k) IRA is in danger of being nationalized-with the Fed buying most of the debt (no one else is buying US long term debt) and our national ponzi scheme beginning to crumble, it doesn’t bode well.

Given that we’re in debt to the tune of 44 Trillion dollars with current and future unfunded liabilities, we’ll never pay this off, even if we taxed all Americans at 100% of their earnings. It’s mathematically impossible. Perhaps we should create a new TV show - The Ostrich Family!

According to the Economic Policy Institute, almost 25 percent of U.S. households now have zero net worth or negative net worth. Back in 2007, that number was just 18.6 percent.

Weekly Resources I provide a place for readers to learn how to make gift baskets,

Download link for Wordpress for DumbDumbs
Here's the link-it’s free :

New organization promotes use of ‘honest money’ use-UT already signed into law!
Economic security. Political stability. Opportunity. Honor. Liberty. Integrity. These are hallmarks of what America stands for…thanks Fred for sharing this!

According to a recent article posted on the website of the American Institute of Economic Research, the purchasing power of a U.S. dollar declined from $1.00 in 1913 to 4.6 cents in 2009.

New Online Colleges website,
Good compiled, unbiased and updated list of every school
that offers an Online College degree in the US.

Houseplants help remove chemicals released into the air by paints, cleaners, glues and other products. The plants’ physiological processes help remove some volatile organic compounds (VOCs) during the day, and tiny organisms in the soil remove VOCs when the plant is not as active at night.
Plants that remove the most VOCs: Purple waffle plant, wax plant, asparagus fern, English ivy and the purple heart plant

Outdoor Survival Supplies & Kits

Instant oatmeal is as healthy as slow-cooked oatmeal-both lower cholesterol

Create a Personal Web Profile…
Without having to know all about the complexities of web site construction. Create a free account here and use the site to tell folks about your interests, career and link it to your social networks if you life - no charge. Useful for creating an online business card. or

Better Gardening-learn more about spring annuals, bulbs, lawns & more.
From Cornell University

Is your credit rating marginal?
Having at least one credit card is often a necessity in today’s society. It’s tough to rent a car, get a hotel room, etc. without one. Of course, using a pre-paid ’green dot’ debit card will usually do the trick…even for opening a PayPal or eBay account. The number of Americans with low credit card scores continues to rise. If your credit score is middling and you want to rebuild a credit score, consider these cards:

>>Capital One Standard Platinum. They usually accommodate folks with scores in the 690-720 range. You’ll find a prequalification tool in its site so you can gauge which card you’re likely to qualify for and there fees aren’t crazy (some like First Premier asks an incredible 59.9%). Call 800-99-7070 or visit there site at:

>>Citi Secured Mastercard. A secured card are available to those even with very low credit card scores but they require a cash deposit (savings account)…their annual fee is $29 and has been offering a 18.24% interest rate. Your deposit can also be invested in interest bearing CDS. Call 800-726-2109 or visit their site at:

The last I heard, Bank of America also offers a secured credit card program too. It doesn’t hurt to check with banks in your local area too, perhaps some credit unions might work with you as well. Here’s a link to the GreenDot site-get $10 added to your account with a direct deposit plan.

Whole House Suppressor can protect electronic devices-save money
It’s not just laptops, computers, and TVs which can get zapped by power surges, electrical storms and the like, your fridge, ranges and dishwashers that can be damaged from a surge. Although it’s recommended you have this device installed by an electrician, many are not difficult to add on beneath a circuit breaker panel as a DIY project. Here are a few resources:

Make yourself a batch of all-purpose cleaner-Fill a spray bottle with equal parts water and white vinegar and use to clean almost anything.

Get Signups For Any Program You Promote
Truth About Matrices. A MUST SEE!
New to online marketing?
230,000 Members Pay You Money, Join for FREE today!

Erase Yourself From the Web
Drunken party pictures from college haunting you? Fed up with Facebook? Victim of Internet overwhelm? Here's how to protect yourself by wiping your data off the Web…run an online background search on yourself and more.

Related story-Resource: Protect your ID for free
Fighting identity theft? It doesn't have to cost -

Remember to store foot powder & keep a supply of moleskin on hand to help with blisters.

Top 25 Business at home ideas

Whole Foods & the Greenest Grocery Store in the World
Showcase facilities are a powerful learning tool for companies that are implementing sustainable business practices, as illustrated by the new Whole Foods store
Read more:

DIY Air Freshener-avoid ‘all-natural’ products containing phthalates (causes hormonal imbalances). In a spray bottle, combine 1 tsp. of baking soda, 1 tsp. lemon juice, 2 cups water and spritz as needed-saves about $48 a year on store-bought brands!

The Truth About Deficits and the Debt: America needs to cut spending now.
Poll after poll reveal that deficits and the debt have become defining issues in American politics. But while these issues are indeed important and the American people are justifiably concerned about the level of debt our nation is racking up, they are only symptoms of the real problem: overspending. America is living beyond its means and is projected to continue to do so into the foreseeable future.

Moreover, deficits have reached a level that economists haven’t really studied before. Current circumstances remind Kling of “a guy jumping out of a building from the 10th floor, passing the third floor, and saying, ‘It’s all fine so far.’” Deficits do not matter up to a certain level. But at what level do we hit the ground with a resounding splat?

Reason columnist and Mercatus Center economist Veronique de Rugy explains why America must cut spending now.

The Parting Rant

How to find a job in America today…

After completing some consulting work for a California based publisher several years ago, they offered me a job paying $25,000 a year plus bonuses. No one can live on that income today and I politely refused. Beside, at the time, I was still generating that much on eBay! Ironically, they had already paid me that much for a couple months of work!

I had started on eBay earlier to sell my personal library of nearly 10,000 books I had accumulated over the years, some from publishers who sent me copies to review in my weekly column. I started at a time when people still read books. With few exceptions, the book business has dwindled as more Americans choose DVDs over reading. This had always been a proven sideline for me, something I enjoy as I’ve always had a passion for books. (I also donated thousands of books over the years to prisons, libraries and charities).

American workers need to adapt or die. Good jobs aren’t coming back and the world is changing, not for the better as far as America is concerned. I spent nearly a year on the road preaching to newspaper publishers about the importance of adding websites to their operation as another profit center…many listened, many did not. Of course, that industry is now in a severe decline.

It was ironic that a few years prior to this I had coined the phrase (in a weekly business column I wrote at the time) that burger flippers can’t afford $40K cars. At the time, US corporations were in full swing of shipping US jobs overseas, and that’s never let up thanks to stupid government policies which actually encourage these actions.

It would seem the ‘in-demand’ jobs today revolve around being a greeter at WalMart, waiting tables, or assisting the elderly.

According to a recent report from the National Employment Law Project, higher wage industries accounted for 40 percent of the job losses over the past 12 months but only 14 percent of the job growth. Lower wage industries accounted for just 23 percent of the job losses over the past 12 months and a whopping 49 percent of the job growth

We continue to lose jobs to illegal aliens and offshore sweat shops and countries like India. The dynamics of economics continues to escape most people, they are only interested in the kind of job they might find and if it will cover their monthly obligations. Increasingly, that is difficult to do as we see from another rise in foreclosures and the anemic job market.

There will be no recovery until we recover decent paying jobs, period. As politicians continue to waffle on our domestic problems, the decimation of America will continue.

Finally, although I’m not overly concerned about Obama’s birth certificate, Donald
Trump is and he upset those gals on the View in this regard-watch it here.

That’s all folks, until we meet again, Happy Trails, The Poor Man!

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