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Friday, May 25, 2018

Extensive Emergency Survival Kit-VFW Fundraiser-Bonus Silver Round Ounce



Extensive Natural Disaster Emergency Survival Kit-VFW Fundraiser

 

 

 

  I posted this a couple of weeks ago and the response has been lukewarm thus far.  Today I am adding an unannounced BONUS -- I will include a One Ounce solid silver troy ounce "American Prospector" silver round from 1986 to the deal.  I am not advertising this on either our eBay or Bonanza listing...only to our readers here.
If the package does not sell, we're pulling the listing/package on Sunday evening and we'll either donate it to a local VFW post for them to raffle it off or we'll use a local auction firm to sell it next month.  Either way, WE WILL help the VFW!
 

Thursday, May 24, 2018

5 Warning Signs That a Recession Coming – And What You Can Do

Poor Man Survival
Self Reliance tools for independent minded people…
ISSN 2161-5543
A Digest of Urban Survival Resources
 

  
 

5 Warning Signs That a Recession Coming – And What You Can Do

It's not a question of "if" or even "when." It's also "why."

 
Those who don't know history are doomed to repeat it." But sometimes I wonder if we don't take it seriously.

Take, for instance, an article I just saw on subprime mortgages. You remember subprime mortgages. Those were the mortgages that banks gave to borrowers who were likely to have trouble making payments. These mortgages blew up when the banks couldn't collect and had to foreclose. These mortgages caused housing prices to plummet. These mortgages also nearly caused the collapse of the banking system and the economy in 2008.

Well, they're back! According to an article by Steve Rhode, this time they're calling them "non-prime mortgages" and giving them out to people with a FICO score as low as 500.
 
Predicting recessions is like predicting the weather. You can’t say exactly where and when the storm will hit, but you can get pretty close — and give people in its path time to prepare.
As a CPA, author, and financial counselor for more than two decades, I’ve seen my share of recessions big and small. Since my specialty is in helping people get out of debt, and since debt is what causes most recessions (think housing bubble), I can often see recessions coming. Like the weather service, I can’t give a specific time, but I can issue a storm warning…
On any given night, over half a million people in the U.S. are homeless, and half of them are elderly. There are 46 million Americans living at or below the poverty line, and 16 million children living in households without adequate access to food. Congress creates, on average, more than 50 new criminal laws each year. With more than 2 million Americans in prison, and close to 7 million adults in correctional care.’
 

5 Warning Signs That a Recession Coming – And What You Can Do

1. A credit card recession

Since the eve of the last recession, we've passed a scary milestone: Credit card debt has surpassed the $1 trillion mark.
To put it another way: If you added up all the balances on all the credit card statements in this country, it would total just over $1 trillion.
The last recession was sparked by a housing bubble. Homeowners couldn't afford to pay their mortgages. What happens if Americans can no longer afford their credit cards? That's a simplified question about a complex set of circumstances, but it's also keenly relevant to our current debt problems.
What goes up must one day come crashing down. How high can credit card debt go before it weakens all of our finances? If it doesn't directly cause a recession, it can surely be the last straw that pushes us into one.
 If you have so much credit card debt that you can't pay it back, seek a free debt analysis from a nonprofit credit counseling agency immediately. You might be eligible for a debt management program, which can freeze fees and reduce monthly payments by up to 30 or even 50 percent.

 

2. A student loan recession

Remember what we said about credit card debt surpassing $1 trillion? It's even worse for student loans.
Total student loan debt is even higher: nearly $1.5 trillion. that's 10 percent of all the debt Americans owe. Already, student loans are such a problem, it's affecting home sales. According to the National Association of Realtors, more than a fourth of student loan borrowers "were delayed by at least two years in moving out of a family member’s home after college due to their student loans."
So even if student loans don't directly cause another recession and another housing crisis does, student loans could easily be a contributing factor.
 If you have student loans you can't pay back, the federal government offers several programs that can reduce your monthly payments. Why? Because the government has a vested interest in you not defaulting on your loans — and causing national economic instability.

3. An "auto-matic" recession

The last recession was caused by a housing bubble. Will the next one be sparked by an auto bubble? Sound ridiculous? Forbes reported earlier this year, "outstanding auto loans and leases remain at or near record levels for volume."
As CNBC reported in April, "A combination of higher auto prices, longer loans and climbing interest rates means a buyer who finances their purchase could pay about $6,500 more than they would have five years ago."
While certainly not as catastrophic as the housing bubble, see No. 1 above — because Americans are now deeper in debt than they were a decade ago, so it'll take less to push the country into a recession.
 Don't follow the herd and the trends. Take a pass on long-term and high-rate auto loans. Buy a used car you can afford. Your friends may laugh at you now, but the last laugh will be yours.

 

4. A retirement recession

The common rule is: You'll need around 70 percent of your pre-retirement income if you want to live well post-retirement. That includes your own savings plus Social Security. Guess how much Americans has saved up right now? A third has less than $5,000, says a new study from Northwestern Mutual. "One in five Americans (21 percent have NO retirement savings at all," the study says.
Remember the Obama-era bailouts to prevent homeowners and businesses from going under? Will we need a retiree bailout one day? How will families support their elders who can't afford to support themselves? Especially when those families are saddled with their own credit card bills, student loan balances, and auto loan terms?
 If you have a 401(k) or similar program through work, sign up now. Many of these programs will match a percentage of your contributions. For instance: 25 cents for every dollar up to a certain amount. That's like opening a saving account and earning 25 percent interest! You can't get that in the stock market or with bitcoin.

5. A rampant recession

If I was forced to predict the cause of the next recession, I'm going with: all of the above. This country is facing such structural debt problems across so many categories, I can easily see any one of them pushing us into a recession — and all the others keeping us there for a long time. In fact, the prediction of which I'm most confident: A decade ago, we called it the Great Recession, but next time, it could be another Great Depression.
 Change how you think abut money and what you do with it. That sounds impossible, but the fact is, unlike any other time in history, there's free advice that's proven and specific. You can find it right here on this website. Change now, if not for yourself, for your children — because either you or them is heading for a crisis not seen in almost a century.
This article was originally published by Debt.com

 
EDITORS NOTE:
Goldman Sachs expects interest rates to rise by more than 1/2 percent in the next year. They base this forecast on the fact unemployment has been going down and that the federal government deficit has been going up at the same time. Since 1948 that's only happened twice (during the Korean and Vietnam wars).

What can smart readers do? Avoid taking a mortgage if your FICO score is below the mid-700s. Save first, and when your credit score improves, you'll be in the financial position to own and KEEP your home.

You can also be wise about any real estate investments. Historically, when lenders start stretching their rules, it means that we're nearing a market top (and a correction is on the horizon). So the time to move to a bigger, more expensive home is quickly fading. In fact, it might be time to sell that big house and buy something less expensive. Empty nesters ready to downsize perhaps?

The window is also closing on refinancing your mortgage or refinancing your auto loan. If you have any plans in that direction, you'll want to act soon.

Many people were caught by surprise in 2008, but others studied history and knew that the excesses of the previous years couldn't last without a correction. Let's be among those who are prepared for the next correction.
 
 Find more ways to earn extra bucks with our FREE guide!
 

Your Free Middle Class Survival Kit
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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:

7. Knowing When and How to Stockpile Groceries 
Stocking up could save your grocery budget!
 
8 practical reasons why you should include a cotton pillowcase in your bug-out bag
Some of the items that deserve some space in a bug-out bag (BOB) usually include multi-purpose tools, paracord, or tinder. But what about a cotton pillowcase? The cotton pillowcase can be a handy item to have when SHTF. Since it’s made of lightweight material and it doesn’t take up that…
 

Cover Your Assets


Insurance can be overwhelming and confusing. Luckily, we’ve taken a look at 12 types of insurance to see what they offer, whether they’re worth your money and how to find the best prices.
 
 
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
 

Wednesday, May 23, 2018

Some of the Best Emergency Resources - Most are Free!


Poor Man Survival
Self Reliance tools for independent minded people…
ISSN 2161-5543
A Digest of Urban Survival Resources
 
 
 
 Some of the Best Emergency Resources - Most are Free!
Emergency Food Samples: There are a plethora of companies that seem to be operating in the emergency preparedness space these days. One great advantage for those who are looking to gather emergency food resources on the cheap is that several of these companies that sell emergency food supplies will offer free food samples to those who request them. The only catch is that the "free" samples that I could find are all accompanied by a shipping/handling fee of some type. I went ahead and listed the best information that I could find about these fees.
 
· Mother Earth Products — $5.00 Fee
· Wise Company — $1.99 Fee
· Food Insurance — $1.99 Fee
· Survival Based — $4.99
· Valley Food Storage — $4.95
· Survival Cave Food — Depends on Location
 
Coupons: There are coupons for all kinds of things that can be found in stores, papers and online constantly. While not all of these coupons will lead to a free product, there are some that will. Even a buy one, get one free coupon will help stretch your dollars if you are purchasing something that you need and would purchase anyway.
Plenty of websites feature coupons and free tips where complimentary items can be snagged. Many of them I refer to as the "mom" sites because they particularly cater to moms that are trying to be as frugal as possible while ensuring that their families are taken care of.
The opportunities do not stop there though; manufacturers and suppliers will sometimes feature free samples that can be requested from them online and other companies will offer free items with a coupon if you come visit one of their stores. One such example is Harbor Freight Tools where they regularly publish a coupon for free items like flashlights, screwdrivers, etc. that just have to be redeemed in store to get the free item, no purchase necessary.
 
Buckets: Durable, waterproof and useful for so many things, buckets are an invaluable resource for emergency preparedness. Even better, they can often be found for free, or in some cases, for a very low price.
One of the most popular options when it comes to free buckets is to try to locate food-grade buckets from restaurants and bakeries. If finding food-grade buckets is not a concern for you, other buckets can be located from industrial and manufacturing sites. Paint companies and painters are also a good opportunity to find free buckets as they are constantly going through them and they are not typically reused for anything.
Low-cost buckets can be found from some establishments. The best example that comes to the top of my head is Firehouse Subs who sells their empty pickle buckets with a lid for $2 with that money going toward their charity that provides funding to emergency services organizations for necessary and life-saving equipment. If you do not have a Firehouse Subs in your area, then online re-selling sites might also be a good option.
If for some reason you find yourself having to buy buckets at full price, most hardware stores sell branded buckets for a fairly reasonable cost. My experience has been that they usually cost somewhere around $3 to $5. One thing to look for when purchasing buckets is whether or not a lid is included in the price of the bucket.
 
Barrels: While I think that the days of finding free barrels easily are behind us, there are still some who say that food and non-food grade barrels can be found for free. Some potential sources where you can check for free barrels are food manufacturers like those that produce pickles, olives, soft drinks and cheese as well as places like car washes, industrial plants, warehouses, feed/farm stores and government offices.
If free barrels cannot be found, online re-selling sites can be a good source for lower cost used barrels and containers. As an example, in the area where I live, a used 55-gallon steel barrel that was originally used for motor oil can be purchased for $10.
 
Pallets: As valuable as pallets can be, there are a lot of businesses that don’t have a good way to use them, sell them or they build up faster than they can otherwise dispose of them so they offer them up for free. This is another area where scouring the common online classified sites is the most effective way to identify potential sources of free pallets. These ads will typically give the location and instructions for how to come pick these pallets up.
There are plenty of potential uses for pallets when it comes to emergency preparedness. Some of my favorite uses are:
· To put down on the floor as a way to keep supplies and equipment off the ground as a way to protect them from water and pests.
· Break them down to use the wood for other projects or for firewood.
· Put them together like a fence for small animals like goats or pigs in a homestead setting.
· Use them to build walls for a shed or other shelter for storing supplies and/or equipment.
· Lastly, they can be set up as a three sided "bin" to use as a composting area for gardening.
 
One thing that is always important to remember is to be courteous and follow instructions when picking pallets up as most of these sources are places of business and would prefer that you don’t interfere with their business operations and also there may be safety risks in some areas.
In addition to the supplies that I already listed, a thorough search online will reveal several potential sources of free samples for foods, beverages, cleaning products, pet foods, etc.
 

Information

Emergency preparedness websites are constantly featuring sources of free information like online training courses, webinars, manuals and helpful articles. Some of the big information sources that can be found on these sites are the manuals that can be found like the LDS Preparedness Manual, military manuals and government emergency preparedness guides.
Unfortunately, some of this information is only good for entertainment as it can be wildly inaccurate, harmful and/or even just plain made up. Careful scrutiny while reviewing information is always highly recommended so that only helpful information is relied upon. A safe guideline to follow is to lean more heavily on published guides from credible sources and articles from well-known and well-established websites.
 
Personal Liberty's On Your Own section is a treasure trove of information on survival and emergency preparedness. Another good site that I cannot recommend enough is prepperwebsite.com. Not only does PrepperWebsite feature a wealth of emergency preparedness knowledge itself, but there is also a grossly comprehensive listing of other related websites where free information can be found.

Training

In an effort to be very clear up front, I do not advocate that any person agree to volunteer or become part of an organization for the purpose of receiving any type of free or reduced training.
With that being said, there are some opportunities where individuals can get free training that can potentially be useful for emergency preparedness like CPR and First Aid. Some of these opportunities include volunteering in medical facilities, schools and even as a firefighter. Like I said, only volunteer for opportunities that you are passionate about and would do even if there were no free training involved.
 
These sites say they offer free classes.
 
There are additional opportunities for very affordable training that can be found from private organizations, educational institutions and some government agencies. A great educational opportunity that is available locally for us is a home canning university that is put on by the local extension service where participants can receive two full days of training in how to preserve food with the use of water bath canning. The cost for this class is only $25.  
Our hat is off to Liberty Digest for many of these suggestions…The Poor Man is a paid supporter of this site. As our readers know, we always offer many free resources.
 
Final Notes…
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.
 
 

 
 
 

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:
Support our efforts by shopping my storefront…
 
Additional 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…
 
 

“In the 1800s, the U.S. population was less than 60 million, and those people had many skills and assets necessary for survival without today’s infrastructure. An extended blackout today could result in the death of a large fraction of the American people through the effects of societal collapse, disease, and starvation. While national planning and preparation for such events could help mitigate the damage, few such actions are currently underway or even being contemplated,” added the executive summary.
 
Hikers are often surprised at the amount of redundant items they are carrying out of habit rather than necessity. And finally, remember that when it comes to backcountry first-aid, prevention is better than cure. Making objective decisions based on common sense and research (see Education below), should always be considered your first line of defence when heading out into the wilderness.
 
When I started my research, all I found was information from pseudo-doctors and “scientists” from across the internet. I found page after page of conflicting information regarding the human consumption of animal antibiotics. Many people with several initials behind their name gave me a variety of answers or simply beat around the bush. One MD would say XYZ, and another doctor would tell me ABC. Some would say that they thought it would be safe to use veterinarian drugs, but only in dire times or as a last resort. Others would warn against it entirely, and yet some would encourage their use in everyday applications. And so I set out to find the Truth. I wanted concrete information on the safety and efficacy of this particular endeavor.
 
There's such a thrill and joy in cooking over a campfire, beach bonfire, or even your backyard fire bowl. Foods roast and blister, developing a rich, smoky flavor unlike anything else. But unless cooking over an open flame is a regular ritual for you, mastering this art requires an awareness of the most common mistakes that foil the best of intentions. Here are five pitfalls to avoid when cooking over an open fire this summer.


 
 
 
A Smoking Frog Feature, Shallow Planet Production