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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.

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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

 

Thursday, August 9, 2018

Censorship Raises its Ugly Head Again in America


 

Poor Man Survival

Self Reliance tools for independent minded people…


ISSN 2161-5543

A Digest of Urban Survival Resources

 


Censorship Raises its Ugly Head Again in America

August 6th was one of darkest days in the history of the Internet.  When I learned that Facebook, YouTube, Apple, Spotify, Pinterest and others had colluded to take down content from Alex Jones all on the same day, I knew exactly what was happening.  They timed their attack so that it would hit the press at the beginning of the weekly news cycle on Monday so that their purge would have maximum societal impact.  And the fact that there was such overt collusion was obviously meant to send a message.  We were supposed to understand that if they can do this to Alex Jones, they can do it to any of us, and so we better shut up and fall in line.  I can’t even begin to tell you how sick I feel right now.  The big tech giants have made it abundantly clear how they feel about all of us, and there is no future for alternative points of view on any of their platforms.

The current purge of conservative voices has been going on for months, but this is the biggest bombshell by far.  The following excerpt from a Los Angeles Times article is a typical example of how the mainstream media covered this story…

Major technology companies including Apple, Facebook and YouTube deleted years of content from conservative conspiracy theorist Alex Jones and his Infowars platforms over allegations of hate speech, a sudden clampdown that is fueling the growing debate over how big technology companies choose to censor.

The move was unusual for its sweep and speed, suggesting a new assertiveness by technology companies that in the past have worked to avoid alienating conservatives, who often assert that left-leaning Silicon Valley is biased against them. The removals appeared to be prompted by more users flagging Infowars content for policy violations.

In addition to the “big three”, Spotify and Pinterest pulled down content from Infowars as well, and there is no way that this could have been done simultaneously unless it was planned well in advance.  Lawyers have to be consulted, CEOs have to give their approval, etc.  This was a cold-blooded move that was carefully calculated down to the finest details.

So is there anything that conservatives can do?

Well, Mike Adams has suggested that these tech companies could be prosecuted for conspiracy…

This coordinated, illegal censorship is clear proof of an organized criminal racket being conducted by the tech giants. The RICO Act allows for federal prosecution of such criminal conspiracy.

The internet Dark Ages has now descended upon us, where radical left-wing tech giants run by deranged, mentally ill communists will decide whether your content qualifies as “hate speech.” What is hate speech? It’s anything uttered by a conservative.

I think that he is theoretically correct, but I doubt that it will ever actually happen.

Right now, the global elite do not have control of the White House, but they have discovered a powerful new weapon in the tech companies.  They are trying to use this new weapon to smash Alex Jones and other top conservative voices, and they are doing it with a tyrannical flair that is absolutely frightening.  I think that it was quite appropriate that the official WikiLeaks Twitter account made a parallel between this purge and an old Star Wars movie…

The empire strikes back: Apple, Spotify, Facebook and Google/Youtube all purge Infowars/Alex Jones. Yes, Infowars has frequent nonsense, but also a state power critique. Which publisher in the world with millions of subscribers is next to be wiped out for cultural transgression?

And it is quite noteworthy that this comes almost exactly three months before the mid-term elections.



Do you think that is just a coincidence?

After all of the uproar about “election interference”, now the big tech companies are overtly doing it very publicly and in a way that nobody can misunderstand.

The biggest reason why they are lashing out at Alex Jones, Mike Adams and a whole host of other top conservative voices is because Donald Trump never would have gotten elected without them.  I guess they figure that if they can start silencing some of those voices that they can turn future elections in their favor.

If it was just a few conservative voices that were being censored, that would be one thing.  But the truth is that hundreds and hundreds of conservatives have had Facebook pages taken down, YouTube accounts terminated and Twitter accounts shadowbanned.

 
 

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.

 

 


Building a Well on Your Property

Just about everyone can agree water is a top priority in a disaster/SHTF scenario. That’s why it is highly recommended that you stock up on as much water as you can. Specifically, you should stock enough so that every person in your group has at least one half gallon of drinking, and one half gallon of personal hygiene water, every day for as long as you plan on surviving.
So if you have a family of four and are stockpiling for a month (thirty days) for example, you would need at least one hundred and twenty gallons of water in total.
While stockpiling water is important, it’s more so for you to have some sort of self-sustaining water source that you can turn to in the event that your stockpile runs out. After all, you never truly know how long a disaster scenario is going to last.

 


 


Do you know what the #1 complaint among preppers is...?

Believe it or not, it's 
having the finances to buy preps they need to fulfill and satisfy their preparedness plan.

Seriously, it's true...

Over 90% of preppers I speak with claim to be living on a tight budget.

In fact, quite a few are living paycheck to paycheck.

And believe me, I know how tough it can be; I've worked 3 jobs before to make ends meet.

It's no fun scraping together enough pocket change to pay for that next gallon of gas...or that box of Ramen noodles you'll eat for the next 2 days.

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Not only will you be able to use that additional income to buy the preps you want, but you'll also be able to breathe a little easier between paydays.

And the best part...you don't have to take any special classes or earn a degree, you just have to 
follow a simple step-by-step plan.

 


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…


 


How to Survive the War on the Middle Class

14 of the best reports I’ve assembled on protecting your freedom-Download link.


 

 
Rosefield is a classic traditional cabin, which can be built for less than $6,000. The cabin is open plan, which has the advantage of making it far easier, cheaper and quicker to build than more intricate cabins with separate rooms. This particular plan also includes a detailed cabin assembly diagram and step-by-step instructions which includes a foundation guide.  [282sf’]


 

 


 


 

 


A Smoking Frog Feature, Shallow Planet Production

Monday, August 6, 2018

Tariffs shopping list: What grocery prices will go up – or down


 

Poor Man Survival

Self Reliance tools for independent minded people…


ISSN 2161-5543

A Digest of Urban Survival Resources

 


Tariffs shopping list: What grocery prices will go up – or down


 

A farmer in Nebraska says he fears long-term problems lie ahead amid trade disputes between the U.S. and other countries. The U.S. Department of Agriculture on Tuesday announced a $12 billion plan to pay farmers hurt by the trade battles.

When consumers hear all the talk about tariffs, many may consider it an inside-the-Beltway issue that won't reach their pocketbooks. 

But increasingly, it looks like the impact of tariffs will show up at U.S. supermarkets with price changes that are both higher and lower, depending on the product.

With pressure on farmers and producers mounting, everything from soda and beef to grains and dairy is at risk for changes.

Experts say the basic price threat is this: The cost of things you drink that come in cans will go up due to their packaging. But prices for meat and some other farm commodities could drop because farmers lost some of their overseas markets.

For now, farmers may hold off and stockpile food that otherwise would be going to market, but they can't hang on forever.

 

You can stockpile for a while, but not indefinitely," said Phil Lempert, founder of supermarketguru.com, a website tracking industry news and trends.

Even people who track prices as carefully aren't sure of the extent to which consumers will feel the pinch.

Food companies sell to retailers, so it's up to stores to decide whether they'll pass along the increases or swallow them. Coca-Cola, in announcing price increases to grocers because of tariffs last week, noted that it's not sure if retailers will pass them on to consumers.

Some retailers have more leverage than others. Giants such as Walmart, which got into a pricing dispute with Campbell Soup over its expansive line of brands, have more leeway to go back to hammer manufacturers, letting themselves and their shoppers off the hook.

Here's what you need to know about vulnerable industries:

Dairy


While the U.S. has caused woe to its beer and soda industries with the aluminum tariff, which affects the cost of cans, it is suffering at the hands of other countries that have imposed tariffs on U.S. dairy products.

Mexico buys nearly a quarter of all dairy products exported by the U.S., and the American dairy industry is reeling from $387 million in Mexican tariffs of between 15 and 25 percent on cheese.

To American customers, that could mean a price drop of up to 5 percent initially and then as much as 10 percent, according to Burt Flickinger III, managing director of the Strategic Resource Group, a New York-based retail and consumer goods consulting firm. 

Beef, poultry and pork


Backlogs of meat will mean lower prices – at least at first.

Grocery shoppers will see prices down fall up to 5 percent initially, but it could max out at 12 percent, Flickinger said.

"There's oversupply and insufficient demand in the U.S. to consume the oversupply and contracting export markets," he said.

Soft drinks


President Donald Trump’s 10 percent tariff on aluminum, which he signed in March, is forcing soda manufacturers to raise their prices.

Coca-Cola CEO James Quincey called the tariffs “disruptive” for the company and its retailers. “But I think the conversations have been about how is this going to work for each and every customer,” he said.

Coca-Cola has not disclosed the specifics of these U.S. price increases, as they vary by retailer, a company spokesman said.

Beer


Like the soda industry, beer manufacturers also rely heavily on aluminum. About 60 percent of beer made and sold in the U.S. comes in aluminum cans or bottles. According to a March statement from the Beer Institute, brewers could be saddled with $348 million in additional cost.

Some brewers have been forced to react already. Sam Adams brewer Boston Beer said in an earnings call last week that it would raise prices up by 2 percent in the second half of the year due to the tariffs.

Mixed (grocery) bag


High-margin items – such as breakfast cereals – will be able to withstand attacks on grain pricing, but foods with multiple ingredients – such as frozen dinners, won't, Lempert said.

Also risking higher prices are fruits such as berries and avocados, he added. The U.S. grows some of the domestic supply, but it's augmented by exported produce during the U.S. offseason. 

The U.S. hiked tariffs on Chinese imports Friday. Beijing has said it would be forced to counterattack. China could put higher tariffs on a number of U.S. goods including soybeans, whiskey [China does not consume much US whiskey] and pork.  China has always had higher tariffs on our products.

 

The big lesson-we should never be dependent on CHINA for ANYTHING and go back to our roots and become self sufficient, produce our own goods and.  China is our biggest threat, both economically and militarily as I’ve frequently pointed out here – THEY ARE MORE OF A DANGER THAN RUSSIA AND YET CONGRESS DITHERS AS USUAL.

 


Sen. M. Rubio [R. Fl] came out and ripped his fellow politicians this week over their lack of concern over China’s growing threat and mirrored what I’ve written about for more than a year.  China should be our primary focus.  They have taken the lead in international affairs, Africa, the South China Sea, etc. and that should be a major, major concern.  Its premier has essentially declared himself a dictator for life in his country without opposition and not one eyebrow in the western press was raised.

 

 

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.

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…


 

How to Survive the War on the Middle Class

14 of the best reports I’ve assembled on protecting your freedom-Download link.


 

 

 

Rosefield is a classic traditional cabin, which can be built for less than $6,000. The cabin is open plan, which has the advantage of making it far easier, cheaper and quicker to build than more intricate cabins with separate rooms. This particular plan also includes a detailed cabin assembly diagram and step-by-step instructions which includes a foundation guide.  [282sf’]


 

 


 


 

 

 

A Smoking Frog Feature, Shallow Planet Production