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Monday, August 20, 2018

Some of the Best Freebies You Can Get


Poor Man Survival

Self Reliance tools for independent minded people…


ISSN 2161-5543

A Digest of Urban Survival Resources

 


Some of the Best Freebies You Can Get if You’re 65

Here’s a compiled list of great discounts available. Not only can you read about them here, you can click the link provided if you want to take advantage of an entire report of special discounts and sideline money-making resources we’ve compiled below!

 

1. Get Up to $4,264/year Off Your Mortgage

If you’re a homeowner born before 1985 and you want to save yourself thousands of dollars this year, there’s a government program that you might be able to take advantage of called HARP. The Home Affordable Refinance Plan (HARP) is helping hundreds of thousands of Americans reduce their monthly payments by as much as $3,500 in their first year. The program was set to expire in 2017, but has been recently extended through 2018. In order to qualify for HARP you’ll need good credit, so if you don’t have a good credit rating then this probably isn’t for you. If lowering your payments, paying off your mortgage faster, and having an extra $290 a month in HARP savings would help you, then this could be the easiest money savings tip you take.

2. Get a Lower Auto Insurance Rate

You might think you’re already paying a low auto insurance rate, but recent research shows that only 5% of Americans over the age of 55 are paying less than $50 per month for car insurance. If you’re currently paying more than $50 per month, and have had no accidents or tickets in the past two years, you can probably secure a much lower car insurance rate. The best way to do that is to compare quotes from multiple insurers – let them compete for your business. In fact, there’s a new website that allows you to do just that – it’s called Best Quotes Auto Savings. Once you fill out the form on their website they’ll provide you with multiple quotes you can choose from. If you’re still not satisfied, you can always call up the major car insurance companies and let them know you’re looking for better offers and that you’re a senior citizen.

Never Pay For Home Repairs Out-of-Pocket Again

Many people simply don’t have enough money lying around to pay for expensive home repairs. Your home insurance won’t cover your washing machine or AC breaking. What if your heater breaks when you need it the most? How many people have hundreds, or in some cases thousands, of expendable dollars to spend at a moment’s notice for a big repair?

This is why many homeowners are getting this new Home Warranty Program and they’re ending up saving thousands in the long run. ACs, electrical heaters, appliances, roofing repairs – they’re all covered! If there’s something they can’t fix they will just replace it.

 

Born Before 1965? Claim Your Free 72 Hour Survival Food Kit

This special promotion is currently available to anyone born before 1965. With floods, tornadoes, and other natural disasters on the rise, Lindon decided that they wanted every senior citizen to have access to their survival food kits. That’s why they currently have a special promotion for American citizens to get a free 72 hour survival food kit (just pay the S&H fee).
They source most of their raw ingredients from the “fresh produce” category – picture the delicious veggies you find in season at your local farmer’s market. No harmful chemicals, no GMOs and no added MSG.


They also combine their top-quality ingredients using prize-winning recipes so that they’re loaded with flavor. Many of their recipes have won independent taste tests. We recommend giving them a try and taking advantage of this special offer.

Save on Life Insurance

Unfortunately, as our age increases so do our premiums for life insurance. In fact, typically the premium amount rises 8-10% for every year of age. For senior citizens, rising life insurance policy costs can add up significantly.

Many senior citizens also have a hard time qualifying for a new policy once they reach a certain age. The best way to get the cheapest life insurance policy possible is to compare quotes from multiple carriers the same way you would do with car insurance or cell phone plans. National Family is a great resource to use for just that. They will automatically use your information to find you the best life insurance policy for your needs at much lower prices.

 


Go Solar And Cut Your Energy Bill

Did you know you can significantly reduce your monthly electric bill and pay nothing for it? If you live in a qualified zip code you can get paid to go solar! Thanks to a little-known rebate program called Federal Residential Renewable Energy Tax Credit, homeowners who live in specific zip codes are getting thousands in rebates to install solar panels.

Many people were shocked that subsidies and rebates cover 99% of costs associated with installation so it literally costs $0 to have done. Learn more about this program and check if your zip code qualifies. Senior homeowners can literally save $1,000’s of dollars just by using this program.

 

 
Hotel Rooms


If you want to settle down for the night someplace away from home you can be sure to get a discount at Marriott, Comfort Inn, Motel 6 and more.

Keep in mind that discounts may vary and change without notice.

■ Marriott – 15% discount (62+). You can book online or call and ask for the senior discount
■ 
Red Roof Inn – option of “senior rate” when you book online, may not be available for all locations
■ 
Choice Hotels – 10% discount if you book in advance (60+)
■ 
Hyatt Hotels – up to 50% off in participating locations. To qualify for this deal you have to make a reservation in advance and book for two people (60+)
■ 
La Quinta – varying offers at participating locations (65+). Book online or call and ask for senior discounts
■ 
Omni Hotels – varying offers at participating locations (55+)
■ 
Motel 6 – 10% discount (60+). Call and book over the phone in order to get discount
■ 
Wyndham Hotels – varying offers at participating locations (60+)
■ 
Hampton Inns & Suites – 10% off when booked 72 hours in advance.

 

Save on Groceries

 
Once you’ve used your senior discount at all of your favorite restaurants, you’ll need to buy some groceries. Lots of stores give a senior discount – you just need to ask.

Keep in mind that discounts and deals may vary and can change without notice.

■ Farm Fresh – 5% discount Tuesdays and Thursdays (55+)
■ Hy-Vee – depending on location will usually offer 5% discount on Tuesdays and Wednesdays (some stores set age to 65+)
■ Fred Meyer – 10% senior discount on the first Tuesday of every month
■ New Seasons Market – 10% discount every Wednesday
■ Compare Food Supermarket – 10% discount in participating locations, get in touch with your local store to find out more
■ Piggly Wiggly – varying discounts at participating locations
■ Fry’s Food – 10% discount on the first Wednesday of every month to all seniors with VIP card.

Claim Free Everyday Household Products

Here’s a little tip most retirees aren’t told about. Chances are you purchase the same household products on a daily/weekly basis. But what if you could get free samples sent to you from these very same manufacturers? Not a lot of people know about it, but you can actually claim free samples from top brands. If you’re looking for a way to get household goods, pet food samples, sweet treats, posters, days out vouchers and much more, we recommend signing up for the Free Samples Guide. Once you provide them with your email address, they’ll let you know when you’re eligible for the latest free samples and how to claim them.

Special Offer for our Readers



 72-hour Emergency Meal kit that's being offered contains 16 total servings of such delicious meals as Blue Ribbon Creamy Chicken Rice, the always-loved Granny's Homestyle Potato Soup and the stick-to-your-ribs breakfast favorite Maple Grove Oatmeal.

This kit normally sells for $27, plus shipping and handling and is rated 4½ out of five stars by customers.

While supplies last, these kits are available for only $21.95 and that includes Priority Shipping [we were force to increase prices due to another round of USPS price hikes]. Go here for this deal:



Yours for smarter living,

Bruce ‘the Poor Man’

 

 

Additional FREE Resources

 
Your Free Middle Class Survival Kit

SAVE & MAKE Money

Researched by our editors and include 100s of tips, tricks and insider methods of saving money, earning extra money [many from the comfort of your home], the best places to live,  How to find little-known freebies, discounts and other benefits-over 2,000 programs!


 

or…


 

Other notes of interest…


 
Living Frugally In Suburbia
You live differently than your neighbors.

 

14 Frugal Food-Rescuing Tips from Grandma
These depression-era frugal tips still work today!

 
8 Simple Ways to Put More Money in Your Pocket
Have more money without working harder!

 
Knowing When and How to Stockpile Groceries
Stocking up could save your grocery budget!

Small homes are all the rage. But just how much does a tiny house cost? We have the answers, along with an analysis of how much money you can save living in a tiny home.

 
Emergency Preparedness on a Budget 
Affordable ways to prepare for an emergency.

When you’re planning a trip, most likely you’re thinking about the cost. Then, you’re probably wondering which card to use to get the most points out of your trip. But the problem with using a credit card while you’re traveling is going overboard on your spending. An alternative option--prepaid cards.

Sudden windfalls can take many forms. You could bring home extra cash from gambling winnings, an inheritance, or even a financial gift. No matter where the money comes from, though, it’s important to plan how to put it to work for you.

 

Contributors and subscribers enable the Poor Man Survivor to post 150+ free essays & free reports that I provide annually. It is for this reason they are Heroes and Heroines of New Media. Without your financial support, the free content would disappear for the simple reason that I cannot keep body and soul together on my meager book sales & ecommerce alone.  You can make a donation at top of this page via PayPal.

Find survival related books here!

Support our efforts by shopping my storefront…


 

 

A Smoking Frog Feature, Shallow Planet Production

 

Thursday, August 16, 2018

Lower the Cost of a Cremation or Funeral


Poor Man Survival

Self Reliance tools for independent minded people…


ISSN 2161-5543

A Digest of Urban Survival Resources

 


Lower the Cost of a Cremation or Funeral

   The death of my father brought me back to Michigan from Arizona.  Fortunately, he was among those who pre-planned his funeral and had the insurance to pay for it.  Everyone in my family has had the foresight to plan for such events and has the insurance to underwrite these events.  Many, especially in minority communities seem to overlook such eventualities and rely on car washes and ‘go-fund-me’ pages for final expenses.

Funerals have become ridiculously expensive during the past decade often burdening heirs with unexpected expenses when they are least prepared for them.  With some pre-planning there are ways to reduce those costs and headaches.

You can frequently lower the cost by joining a nonprofit memorial society.  To find one in your state, go to Funerals.org and locate your local affiliate of the Funeral Consumers Alliance.  Visit the local affiliate site to find out how to join – this can be done online for $35.  FCA affiliates have agreements with licensed funeral directors to provide cremation or burial services for a predetermined maximum cost that is almost always lower than the price paid by the general public.

In one state, for example, a member paid $995 for direct cremation vs. the publicly quoted rate of $2695.  Contact the FCA for help if you live a state without an FCA affiliate: AL, ALASKA, HA, IA, MS, MT, NE, NH, NM, ND, OR, WV or WY.

Also, don’t forget, if you are a military veteran who served honorably you are entitled to $250 and if you paid into Social Security you may be eligible for another $250 to help defray the cost of your funeral.  A funeral director usually helps obtain these funds for you at no additional charge.  [You will need to provide proper documentation].

Some people donate their body to medical science via medical schools and research centers and avoid the expense of funerals altogether simply paying for the cost of death certificates.  You can do an internet search and make arrangements in advance with a facility of your choosing.



NOTE:  After experiencing severe heart afflictions of my own during the past [including one two weeks ago] I have become an advocate of families making preparations in advance for death including wills, medical directives and other end-of-life issues with family members.

Death and dying has become an expensive ‘business’ in our society compared to how our ancestors often approached the issue…as some of you know I’ve been taking course work about Native American history and it has been eye opener, especially how much devastation the Spanish inflicted on native populations in South, Central and North America through outright murder, enslavement, disease, rape, etc. 

Next week we’re headed to the four-corners region of our country to explore some of the Pueblo ruins that I missed when I attended ASU where I first started learning about Southwestern Indians.

Special Offer for our Readers



 72-hour Emergency Meal kit that's being offered contains 16 total servings of such delicious meals as Blue Ribbon Creamy Chicken Rice, the always-loved Granny's Homestyle Potato Soup and the stick-to-your-ribs breakfast favorite Maple Grove Oatmeal.

This kit normally sells for $27, plus shipping and handling and is rated 4½ out of five stars by customers.

While supplies last, these kits are available for only $21.95 and that includes Priority Shipping [we were force to increase prices due to another round of USPS price hikes]. Go here for this deal:


 

Yours for smarter living,

Bruce ‘the Poor Man’

 

 

Additional FREE Resources

How to Survive the War on the Middle Class

14 of the best reports I’ve assembled on protecting your freedom…Here is the download link.

http://1drv.ms/1d9kfi

Other notes of interest…

 

Living Frugally In Suburbia
You live differently than your neighbors.

 

14 Frugal Food-Rescuing Tips from Grandma
These depression-era frugal tips still work today!

 

8 Simple Ways to Put More Money in Your Pocket
Have more money without working harder!

 

Knowing When and How to Stockpile Groceries
Stocking up could save your grocery budget!


Small homes are all the rage. But just how much does a tiny house cost? We have the answers, along with an analysis of how much money you can save living in a tiny home.

 

Emergency Preparedness on a Budget 
Affordable ways to prepare for an emergency.

 
Credit Freezes Will Be Free as of Sept. 21st

New federal rules kick in will help prevent ID thieves from stealing your credit info at major credit bureaus…previously, Equifax, Experian and TransUnion all charged for this service but under new rules now must offer this service free of charge to consumers.  Instructions on how to do this can be found at each reporting site.

Contributors and subscribers enable the Poor Man Survivor to post 150+ free essays & free reports that I provide annually. It is for this reason they are Heroes and Heroines of New Media. Without your financial support, the free content would disappear for the simple reason that I cannot keep body and soul together on my meager book sales & ecommerce alone.  You can make a donation at top of this page via PayPal.

Find survival related books here!

Support our efforts by shopping my storefront…


 

 

 

 

A Smoking Frog Feature, Shallow Planet Production

 

Monday, August 13, 2018

Our Inadequate Public Schools


Poor Man Survival

Self Reliance tools for independent minded people…


ISSN 2161-5543

A Digest of Urban Survival Resources

 


The Troubling Growth of Our Inadequate Public Schools

 

Every government in history has sought conformity and control. The chief weapon governments use to achieve them is psychological warfare.  And it must be working in America as few question anything.

 

It all begins with indoctrination and conditioning through schools where children are taught what to think, not how to think.  I find it rather bizarre, for example, when anti-Trump protestors are questioned about what it is precisely they are protesting, most cannot provide a reasoned answer.  They simply parrot answer someone has obviously already given them, one which rarely makes any sense.

The more perfect psychological warfare, the more perfect is conformity and control. These two terms — conformity and control — are self-enforcing. That is, where there is conformity, there is control. Where there is control, there is conformity. The greater the one,  the greater the other. 

We are the most conditioned and programmed beings the world has ever known. Not only are our thoughts and attitudes continually being shaped and molded, our very awareness of the whole design has been erased.

 

One important thought here: A person's IQ or education level has absolutely nothing to do with his perception of reality. Higher education is higher brainwashing. Sometimes it seems that the more education, the bigger the fool. 

 

Indeed, with the research I have done, along with others, one could easily reach the conclusion that collectively the average IQ of most Americans has been headed south for a generation or more.  I blame much of this on our failing public schools and the growing addiction and dependence many have to electronic devices.

 

Throughout several years of owning several businesses including a very successful publishing venture, I have hired dozens of employees.  I have also taught a variety of college level courses covering such subjects as retail marketing, political science and others.  I also conducted seminars and workshops throughout the nation for more than a decade and have met a number of people from a variety of backgrounds.

 

Like a lot of other business owners, we have seen a troubling growth trend in the United States among those aged 40 and younger.  The skill level is dropping.  This applies to basic social skills and education skills such as reading, writing and math.  Our schools are failing at preparing our young for real world 101 and many now require “retraining” in order to fit into the workplace.

What troubles me even more, is how often young people are so often bamboozled by their own government – fewer seem to have a grasp of the Bill of Rights or our history.  American history and the Constitution seem have been glossed over in today’s school systems [as does basic grammar as so many seem to have vocabularies limited to clich├ęs today].

 

A well educated populace is one key to a successful nation.  A poorly educated person is easier to manipulate and politicians throughout history have known this [this is why mass book burnings have been a popular and symbolic tool of despots and why there is growing trend in this country to revise our own history beginning with book banning and the removal of statues of southern Civil War military and political officials].

 

The basis of mass mind control is the use of carefully chosen words that have been twisted and distorted to manipulate the public mind. Whole volumes could be written about this. Few escape this psychological warfare. Words are created and repeated. This repetitiveness expands the collective psyche to further accept and repeat. 

Edward L. Bernays, the nephew of Sigmund Freud, is the father of manipulative propaganda in America. He says that mass persuasion and mass hypnosis is the fundamental of so-called democracy. 

This is from Bernays book, Propaganda



"Those who manipulate the unseen mechanism of society constitute an invisible government which is the true ruling power of our country. We are governed, our minds molded, our tastes formed, our ideas suggested largely by men we have never heard of.

"In almost every act of our lives, whether in the sphere of politics or business or in our social conduct or our ethical thinking, we are dominated by the relatively small number of persons who understand the mental processes and social patterns of the masses. It is they who pull the wires that control the public mind."


The public mind is controlled once a person believes a "fact" long enough. He or she can no longer ponder or contemplate information or a question that challenges the "established" fact. The mind simply cannot process information that conflicts with previously accepted data. Prior conditioning is difficult to challenge. 

 

The same is true if we believe a lie long enough. We cannot ponder or contemplate information that challenges the lie, even if the lie is lethal, such as "fluoride prevents cavities." 

Psychologists call this quirk of human nature cognitive dissonance. It means the rejection of information not in harmony with previous beliefs. 

We are now being told that certain thoughts and ideas are "hate speech" and therefore out of bounds and must be eliminated. The internet is being scrubbed of any thought that deviates outside the norm if it can be labeled as "hate speech," which is of course a nebulous, meaningless and undefinable term. It's being done with the endorsement of politicians and leftist media pundits. 

 

For instance, policies and tone set by political leaders matter…under Pres. Obama, Americans were mislead to believe that “inequality was a bigger problem than slow economic growth and that only government regulation and politically directed credit could create prosperity.”  The result was something straight out the Communist playbook which created economic stagnation.  Obama nearly choked our nation with over-regulation [not that it needed help in that arena].  In 2018 growth in now reaching 4 percent but that won’t be enough for Democratic city and state governments like Philadelphia or Sacramento to dig itself out of its weight of unsustainable retirement [overpromised] retirement pledges to municipal workers which might be as high as $4 trillion or as high as size of Germany’s entire economy…cities such as Detroit, another Democrat enclave, ran up so much debt, it was forced into bankruptcy.

This is thought/mind control on a mass scale, bigger than Nazi book burnings. It is the electronic "memory hole" in action. Big Brother would feel right at home.
 

 


“Individuals with high trait anger have a tendency to overestimate their abilities, i.e. thinking that they are smarter than they actually are. This part of anger is associated with narcissistic illusions,” Zajenkowski told PsyPost.

 

Bob Livingston & Bruce ‘the Poor Man Survivor’
Editor, The Bob Livingston Letter™ 

 

 


 

Your Free Middle Class Survival Kit

SAVE & MAKE Money

Researched by our editors and include 100s of tips, tricks and insider methods of saving money, earning extra money [many from the comfort of your home], the best places to live,  How to find little-known freebies, discounts and other benefits-over 2,000 programs!


 

or…


 



 

BONUS REPORTS

How to Survive the War on the Middle Class

14 of the best reports I’ve assembled on protecting your freedom…Here is the download link. http://1drv.ms/1d9kfiU

 

 

Related posts:


Age Discrimination by Employers Is Common: The vast majority of Americans who work into in their 50s, 60s and beyond need to keep making money as they grow older but encounter widespread age discrimination in job hunts and at the workplace, a new AARP survey has found.

 

Retirement Reality: Many Americans Will Not Be Able to Live Out Their Dreams: America is in the midst of a retirement crisis, and many people are in danger of not being able to live out their retirement dreams. Why? Because the road to retirement just isn't as smooth as it used to be.

 


 

Major Credit Cards Cut Benefits


August has been a bad month for credit card customers. Many major credit card issuers, like Chase, Citi, and Discover are watering down the benefits they offer cardholders. Here is a summary of changes, including cutbacks to price protection, extended warranties, lost luggage .

92 Painless Ways to Save Money
Saving money doesn't have to be hard. In fact, there are many ways to save money that are easy and fun. You can save on health, insurance, shopping, food, investing and more.

 


As a result, the rate of bankruptcy among Americans over age 65 has doubled over the period studied by the researchers. "For an increasing number of older Americans, their golden years are fraught with economic risks, the result of which is often bankruptcy," their report noted.

Because one-quarter of the country will be older than 65 by 2050 compared with 15 percent now, the authors predict America will see a "coming storm of broke elderly."

 

 


A Final Note…

Contributors and subscribers enable the Poor Man Survivor to post 150+ free essays annually. It is for this reason they are Heroes and Heroines of New Media. Without your financial support, the free content would disappear for the simple reason that I cannot keep body and soul together on my meager book sales & ecommerce alone.

 

Support our efforts by shopping my storefront…


 

 

 

A Smoking Frog Feature, Shallow Planet Production