Bruce’s Poor Man Survival Bulletin
A Digest of Urban Survival Resources
For Independent Minded People!
ISSN 2161-5543
In
This Issue:
1. Becoming debt-free
2. SpareOne cell phone uses a single AA
battery
3. Disable Facebook’s facial recognition
software
4. Best holiday layaway plans for 2012
5. Traitors Among Us-Special Report
In a
country well governed, poverty is something to be ashamed of. In a country
badly governed, wealth is something to be ashamed of. — Confucius
Becoming Debt-Free is not Impossible…
Here’s the
cold, hard truth about debt: If you have it, then someone else owns your life.
You aren't a "homeowner" … you aren't a "car owner" … you don't "own" the clothes you're wearing or the things that fill your home. Not if you are still in the process of paying back money you borrowed from a creditor in order to get those things in the first place. Your creditors own those things. You're just renting them. And that leaves you extremely vulnerable, financially and otherwise.
The great news is, debt is NOT a life sentence
You aren't a "homeowner" … you aren't a "car owner" … you don't "own" the clothes you're wearing or the things that fill your home. Not if you are still in the process of paying back money you borrowed from a creditor in order to get those things in the first place. Your creditors own those things. You're just renting them. And that leaves you extremely vulnerable, financially and otherwise.
The great news is, debt is NOT a life sentence
It’s been said most
Americans are one paycheck away from bankruptcy and most of us have become
dependent on a two-income earner scenario to stay afloat. In Michigan, where I now live, it’s always
been an unspoken joke that factory workers would go deeply into payment plan
debt when overtime was going full steam so they can could buy that extra boat,
motorcycle, jet ski, etc. When times got
tough, as they always did, “For Sale” signs popped like weeds along every
neighborhood.
Once you’re deeply in debt, it can be virtually
impossible to escape the bondage of high interest credit cards, upside down
mortgages, one or more car payments – especially if one or more of your income
streams stops.
Debt and your inability to keep your head above water can
literally make you sick. Stress related
health problems have seen a significant boost in the number of
depression-related prescriptions being written…indeed, American take more
prescription drugs than anyone else in the world.
The first step
in any debt reduction plan is to get a solid grasp of what your monthly
expenses by keeping a diary. Everyone in
your family should keep one for 30 days, recording expenditures, even small
ones such as a newspaper, cup of coffee and the like. Next compare this to your
take home pay to find out how much in the hole you are each month.
Second, go on
a spending reduction diet. Eliminate
expenses wherever possible…that means second or third cell phones, cable TV,
eliminating insurance payments on recreational vehicles you’re not using,
taking a lunch vs. buying one each day. Learn to buy second hand and to create
at-home entertainment projects.
Third,
renegotiate credit card interest payments with the card issuer and put that
card into a lock box and gear up to paying off each credit card.
Fourth, sell
of those extra toys you don’t really need and use those funds to pay down the
debt more quickly.
Fifth,
everyone in the family should develop a sideline income with a goal of
generating at least $200 a month. Your
children should pitch in too by cutting lawns, babysitting, selling off their
designer clothing, etc. This is a group
effort and progress needs to be checked every 30 days.
Find tools for lowering property taxes, debt negotiation
methods and at the Poor Man’s Financial Freedom-Self Sufficiency course at:
Use baking soda and
a stiff brush to clean battery terminals then apply a coat of petroleum jelly
to the posts to keep them clean for the winter.
PM’s
Compendium of Useful Resources
5
Tips on Handling the New Job Economy
Middle class jobs are being replaced by low-income opportunities, like jobs in food preparation, retail sales, and office clerks. If you want to survive this shift away from middle-income jobs, here are a few approaches or strategies to consider. The goal is to move towards financial independence in a world where there is a wider gap between the rich and the poor. Read more.
Middle class jobs are being replaced by low-income opportunities, like jobs in food preparation, retail sales, and office clerks. If you want to survive this shift away from middle-income jobs, here are a few approaches or strategies to consider. The goal is to move towards financial independence in a world where there is a wider gap between the rich and the poor. Read more.
Disaster Preparedness:
Training
A last step to having a disaster-prepared infrastructure is training all staff and sticking to regularly scheduled drills. While this may sound like a very simple step, planning training and drills is tougher to execute than you might think. There's no need to appear as an alarmist to your staff, but it is important to convey the importance of being trained on proper emergency procedures. Here are some suggestions.
http://www.pcmag.com/article2/0,2817,2409851,00.asp
A last step to having a disaster-prepared infrastructure is training all staff and sticking to regularly scheduled drills. While this may sound like a very simple step, planning training and drills is tougher to execute than you might think. There's no need to appear as an alarmist to your staff, but it is important to convey the importance of being trained on proper emergency procedures. Here are some suggestions.
http://www.pcmag.com/article2/0,2817,2409851,00.asp
SpareOne is the only cell phone in the world powered by a standard AA
battery. This is a technological breakthrough! Smart patented power
engineering allows users to take advantage of this widely available an
inexpensive battery – A regular AA ! SpareOne won’t make you depend on an AC
outlet.
A Battery Shelf life of 15 Years*. Talk Time for up to 10 Hours*.
We broke all records! The SpareOne can hold its charge, if stored
unused, for up to 15 years or for the shelf life of the battery inserted. And
when in use, SpareOne has a talk time of 10 hrs. This is all made possible by a
single AA battery.
The
current purpose of Facebook's facial recognition technology is to assist users
with tagging their friends in photos. Unfortunately, testing done by some
reviewers has found the technology to be less than accurate... Read
more
How To
Create An Anonymous Website
Political activists need to be able to speak freely to challenge the ruling political party and dissent, without intimidation, imprisonment, or worse. There is a way to create an entire website while still remaining completely anonymous. Check out the article for more on how.
Political activists need to be able to speak freely to challenge the ruling political party and dissent, without intimidation, imprisonment, or worse. There is a way to create an entire website while still remaining completely anonymous. Check out the article for more on how.
In recent years, the recession has influenced holiday layaway programs:
After having discontinued layaway, Sears brought it back in 2008 and Walmart in
2011.
This year, the still-struggling economy continues to impact holiday
shopping. While competitors JCPenney and Target still don’t offer a layaway
program, some stores that do have slashed fees, making layaway free – assuming
you pay on time and don’t cancel your plan.
Under
Obama Care you’re supposedly covered for pre-existing
conditions. If you have such a condition
and have been without insurance for at least six months, don’t wait until 2014
to shop for coverage. Visit the
government’s high risk pool now to find out if you’ll qualify for appealing
rates now.
Homemade scouring powder for use inside and outside your home…mix 1 cup
baking soda, 1 cup of salt and 1 cup of borax into a container you can close
(like an old coffee can) and use.
The Nanny State Updates…
Why are
governments so stupid?
You know you live in a Country run by
idiots if....
An 80 year old woman can be stripped searched by the TSA but a Muslim woman in a burka is only subject to having her neck and head searched.
An 80 year old woman can be stripped searched by the TSA but a Muslim woman in a burka is only subject to having her neck and head searched.
ATF to accept public comments prior to outlawing shotguns
The Bureau of Alcohol, Tobacco and Firearms is taking a rare step of
allowing public comments prior to issuing a decision on a study that could
result in outlawing certain types of shotguns currently available to citizens.
The ATF completed a study regarding the importability of certain
shotguns. The basis for a possible ban is based on a loosely defined “Sporting
Purpose” test. Using the vague definition almost all pump-action and
semi-automatic shotguns could be banned as they are all capable of accepting a
magazine, box or tube capable of holding more than 5 rounds.
Lost? According to the Magazine "Mother Jones," the U.S. government has lost at least ten nuclear bombs. Whether they are really gone or just misplaced in some government facility is anyone's guess.
State lottery programs have worse odds than most casinos – discover the
odds for all games, as well as how many prizes are left for each one by going
to your state lottery site or: LotteryCrawler.com
The Parting Thought-Traitors Destroying our Country
The most dangerous man, to any government, is
the man who is able to think things out for himself, without regard to the
prevailing superstitions and taboos. Almost invariably he comes to the
conclusion that the government he lives under is dishonest, insane and
intolerable, and so, if he is romantic, he tries to change it. And if he is not
romantic personally, he is apt to spread discontent among those who are."
-- H. L. Mencken
-- H. L. Mencken
Traitors Among Us: Who Will Save America?
How traitors in Congress are destroying our freedom, bankrupting the
country & a few tools we can use to fight back.
HERE is the Oath of Office sworn by ALL CongressCritters…
“I do solemnly swear (or affirm) that I will support and defend the
Constitution of the United States against all enemies, foreign and domestic;
that I will bear true faith and allegiance to the same; that I take this
obligation freely, without any mental reservation or purpose of evasion; and
that I will well and faithfully discharge the duties of the office on which I
am about to enter: So help me God.”
Speaking to Washington Post writer Ezra Klein on Tuesday, Roberts
referred to a blog post one of Klein's colleagues had written, saying that
Congress was doing nothing to stop the "bleeding" in the economy.
The authority
granted to government, are privileges that the people could revoke at anytime.
The founders knew that if the government was unrestrained, abuse of power was
inevitable. They understood that in order to secure our rights, it would be
our responsibility to hold our government officials accountable. They knew
that having a well informed and vigilant electorate was essential; ignorance
and apathy would lead to the destruction of our Constitutional Republic.
With freedom
comes responsibility and Thomas Jefferson once said "That a man that expects to be ignorant and free in a state of
civilization, expects what never was and never will be."
Sheriffs, the Supreme Court long ago established that you are the
supreme law enforcement Officers in your respective states and no Federal
official or law enforcement officer has a greater power. Do your duties and do
not let the Federal law enforcement types dictate to you. Arrest them if they
interfere with your doing your duties.
Treason is defined as acting against the best interests of your own
country. Hanging was the usual method for dealing with traitors in the not so
distant past.
Go to our main page, scroll down a bit and click on the folders to get
our hard hitting, actionable report about the Traitors Among Us…
“Until the next
revolution”, the Poor Man
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