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Tuesday, July 30, 2013

Homegrown Currency and 4 Cool Ways to Stash Cash

Bruce’s Poor Man Survival Bulletin

A Digest of Urban Survival Resources

For Independent Minded People!

ISSN 2161-5543


Most Americans have become domesticated, docile livestock, subservient to the state.

From The Frozen Dog Ranch Files



In This Issue:

1.       Homegrown currency

2.      Building a cob house

3.      4 cool ways to stash cash

4.      My favorite DIY site

5.      American liberties end at the workplace door



Hemet Liberty Script - A Home Grown Local Currency


One of the most fundamental rights of all people is the right to engage in commerce. If one man owns a Pizza Parlor and wants to purchase a pair shoes, he can pay for the shoes in dollars or he can offer the owner of the shoe store an alternative form of currency. He can also trade his products and/or services for the shoes.

If the owner of the Pizza didn't want shoes, but instead wanted a bouquet of flowers, he could initiate a three-way transaction that would allow all three merchants to get what they wanted without having to pay cash. The Hemet Community Liberty Certificates have been created to facilitate the exchange of goods and services between local business owners and their customers.

Participating merchants accept the Hemet Liberty Script just as they would paper dollars. Merchants that receive payment in the form of certificates can then use them to purchase goods and services from other participating local merchants.

The bartering for goods and services has been around for thousands of years. When a man participates in it, he has the power to create his own money. When money is scarce, we can offer our goods and services to others in exchange for their goods and services without having to spend our hard earned cash. Do you think that the owner of a Pizza Parlor would be better off paying for the things he needs with Pizza or Dollars?

The Hemet Liberty Script is a local currency that has been created to enable local merchants and members of the community to purchase the goods and services they need without having to spend their hard earned cash.

When a producer of goods and services agrees to accept the Hemet Liberty Script they will be issued 20 Hours of local currency which they can activate the certificates when they purchase equivalent of $200 in goods and services at participating locations. 

When a member of the network recommends another provider of goods and service that becomes a new member the member that refers that friend will receive 10 hours of local currency or the equivalent of $100. They can activate their currency when they purchase goods of services from other members of the network.


PM’s Roundup of Useful Resources…

Building a Handmade Cob House

Self-sufficiency does not happen in a day, a week, or even a year. It takes time and effort.




If you want to get in touch with someone, then the best source that
you can make use of is the internet

Using the internet to get information has been very common as well as
convenient for a lot of people.

However, not all the information we need can be answered by a simple
Google search. This is especially true when you want to get a
specific person's current location.
Read more...>




4 Cool Ways to Stash Cash



A new easy-to-carry water purifier that could give Marines and first-responders access to clean water wherever they go successfully completed its first operational test. The new purifier was developed to help reduce enormous logistical burdens already faced by forward-deployed personnel. There are two versions -- one that can treat 1,000 gallons per day and one that can handle 5,000 gallons per day.


Free, useful downloads from the Poor Man Survivor

·         Guide to Self Reliant Living

·         2013 Preparedness Toolkit

·         LDS Family Survival Guides

·         More!

The reason why we’re among the Top 50 Best Self Reliance sites!



Picturelife is a multi-platform photo storage and organization tool that helps you protect your photographs by securely backing them up.

To get started type in your working e-mail address and create a password, then click the blue Continue to Next Step button. That will whisk you directly to the interface to start backing up your photographs. When you click the blue Start Backing Up Your Photographs button it will download a setup.exe. Run the .exe to install the Picturelife Sync application.

You can also upload photos, using the upload button at the bottom left of the page.



One of my favorite DIY sites-Many categories


The Nanny State-We love our government

House narrowly kills move to rein in NSA; bill unites Obama, Bush officials

Top intelligence officials from the Obama and Bush administrations, along with senior House lawmakers from both parties, succeeded Wednesday in heading off the first legislative challenge to the domestic snooping program exposed by National Security Agency leaker Edward Snowden.

Arrayed against them was an equally odd cross-section of the political spectrum. Tea party libertarian Republicans and Democratic civil rights advocates — generally at odds — were united behind an amendment to a must-pass defense spending bill that would defund the National Security Agency’s mass collection of Americans’ phone records.

The amendment was defeated in a 217-205 vote.


Lights, camera, economy: Obama uses rhetoric of class warfare in jobs speech

Deploying the rhetoric of class warfare against congressional Republicans, President Obama warned Wednesday that “social tensions will rise” if Washington doesn’t take steps to reverse the growing gap between wealthy Americans and the middle class.

In a campaign-style speech at Knox College in Galesburg, Ill., the president proclaimed that America during his presidency has “fought its way back” from a recession and called on voters to “pressure Congress to invest in our future” by spending more on such items as education, clean energy and infrastructure.

NOTE:  Nice gambit and true, but the Washington-Wall Street Cartel makes the rules it seems to favor a shrinking middle class.  See today’s article on the Modern Debt Slave.


The Parting ThoughtNot to worry in the land of the free!


A new poll reveals Americans believe their freedoms are continuing to slip away under President Obama, with more than 49 percent reporting decreases in their personal freedoms under his leadership this month.

Our American liberties end at the workplace door.

If you have a job, the Freedom Train stops at the workplace door. More employees are hired on a part-time or temporary basis to deny them rights and benefits. Many of your privacy rights are gone. Your employer can use your company computer to read your correspondence, and your company cell phone (if you have one) to track your movements.

Free speech? You can be fired for expressing political views online, even when you’re not at work. As employment lawyer Mark Trapp told Bloomberg Business Week, the“freedom to speak your mind doesn’t really exist in work spaces.” Or, in some cases, outside it.

The longstanding right of workers to organize and form a union is also under assault. A corporate-funded group called ALEC, the American Legislative Exchange Council, is coordinating the loss of union rights for public employees. Governors and legislators are using budget shortfalls created by corporate misbehavior and tax cuts for the wealthy to argue that governments can no longer afford to honor union contracts.

Your rights don’t even begin where your, er, bathroom breaks begin. As Mary Williams Walsh reported in the New York Times, “employees at lower rungs of the economic ladder can be timed with stopwatches in the bathroom; stonewalled when they ask to go; given disciplinary points for frequent urination; even hunted down by supervisors with walkie-talkies if they tarry in the stalls.”

 We’re losing our “right to life” in many different ways — from birth through old age.

It’s always striking when some of those who defend an unborn child’s “right to life” ignore the fact that the United States ranks 49th in infant mortality, according to the latest statistics. Or in the fact that African American infant mortality is 2.5 that of Caucasians. Or that lower-income families of all ethnicities suffer much greater infant mortality in this country than their wealthier counterparts.

The next time you see another story about impoverished North Koreans and their seemingly mad dedication to their deluded leader and outmoded economic system, consider this: The average life expectancy for an African American in New Orleans is roughly the same as that of a North Korean. It’s shorter than that of people in Colombia, Venezuela, of Vietnam. In our nation’s capital, the life expectancy gap between African American and white males is more than 13 years.

For poor whites the story isn’t much better. A 2005 study showed that life expectancy for poor white males in Appalachia and the Mississippi Valley is roughly the same as that of males in Mexico and Panama. They can expect to live nearly four and a half years less than average white male nationwide. Opportunities for an affordable education are disappearing — and education correlates closely with longevity.

Then there’s Medicare. Studies showed that mortality among Americans aged 65 and older decreased by 13 percent after Medicare was created, and they spent 13 percent fewer days in the hospital. The corporate-funded right is sponsoring a plan to replace Medicare with a voucher system that will provide less coverage for older Americans’ healthcare with each passing year. They also want to raise its eligibility age. The studies show that these proposals would result in increased loss of life and more hospital days for older Americans.

We’ve lost autonomy over our own bodies.

While Tea Partiers and Sarah Palin prattle about “death panels,” many injured or ailing Americans enter a Kafka-esque maze of insurance executives, case managers, billing services, and customer service numbers with interminable hold times. Some of these processes were created as a legitimate response to physician overtreatment, itself encouraged by our privatized education and health financing systems. But they’ve turned into massive operations for delaying, frustrating, and thwarting attempts by patients and doctors to receive permission to provide necessary services.

Millions of Americans have to plead for needed treatment, then argue over a complex and error-prone system of copayments, deductibles, and medical bills denied for payment with incomprehensible explanations. If they’re unable to devote hours to battling their insurer, or if they try and fail, they may then find themselves at the mercy of medical debt collectors whose own actions have been the subject of legal scrutiny and public criticism.

Long-standing assumptions built into our medical system deny virtually all Americans the right to affordable dental care, which is available in most other developed countries, while an antiquated and Puritanical attitude toward mental illness has been exploited to deny them adequate care for these conditions.

The right is attacking Medicare, one of our most popular government programs, and defending one of our nation’s least popular institutions, HMOs. In fighting for Medicare Advantage’s HMO subsidies and resisting wider access to public health insurance, they’re using the language of freedom to rob Americans of the freedom to make their own medical decisions.

There are treatments which have unproven value, have unpleasant side effects, or which studies have shown to be over-used to provide financial gain to medical providers. People have a right to know that, and to be protected from this kind of abuse. But the denial of covered services is an epidemic in American healthcare – and a massive assault on American freedom.

 We’re losing the ability to rise up from poverty, earn a decent living, or work in the career of our choice.

Support the Revolution – Make a Donation to the Poor Man today!

“Until the next revolution”, the Poor Man


Much of what the Poor Man does is to promote the concepts of self-reliance, a voluntary society and economic independence -- writing articles, giving talks, maintaining blogs and an educational website -- he does for free. Donations made to support him in these efforts are much appreciated.


Keep our services free-Check our Resources


Free – Updated Sideline Income Resources and Tools


Get the No BS – Ready for Anything Survival Files Download-Now includes…

Home Prepping Database Program

This software will assist you and your family in what and how many supplies you will need when you will need to lockdown in your home until things settle down





A Shallow Planet Production

Monday, July 29, 2013

Why you should get our free Sideline Income Newsletter Now...

The Reason Why I Started the Sideline Income Resources Newsletter


Four out of five U.S. adults struggle with joblessness, near poverty or reliance on welfare for at least parts of their lives, a sign of deteriorating economic security and a vanishing American Dream. Hardship is particularly on the rise among whites, based on several measures. Pessimism among that racial group about their families’ economic futures has climbed to the highest point since at least 1987. In the most recent AP-GfK poll, 63 percent of whites called the economy “poor”.


Tools to develop sideline income sources + Free books weekly


Coming in our Aug 3rd Issue:

 How crazy should your marketing be?  The Gilded Age of Entrepreneurs, FREE Entrepreneur toolkit, Quickbooks, Online training, Content Marketing Guide, 10 Ways to make your social media rock.  Special Member Download:  How to Profit from Public Domain Works

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Saturday, July 27, 2013

Tips to Fix Student Loan Payments, How much land needed for independence

Bruce’s Poor Man Survival Bulletin

A Digest of Urban Survival Resources

For Independent Minded People!

ISSN 2161-5543


"The ruling class has the schools and press under its thumb.
This enables it to sway the emotions of the masses."

-- Albert Einstein

From The Frozen Dog Ranch Files



In This Issue:

1.       Student loan repayment tips

2.      How much land does it take to be self reliant-free ebook

3.      How much government do we need?

4.      A hidden shelter inside your home




Student Loan Repayment Tips for the Life of Your Loans


Student loan debt is another financial crisis which threatens our future.  Tuition costs are through the roof without any reasonable explanation and there are few decent jobs for grads who have an average debt of about $25,000 upon graduation.  Congress is too stupid to recognize, let alone offer viable solutions to this pending crisis.


It is often said that the most effective debt management strategy is to be debt-free.   But, in order to pay for your college education, you may need to take out student loans.



Recent college grads today face some of the worst job prospects since the great depression. A survey by the Associated Press found that over 50 percent — about 1.5 million — are either unemployed or in jobs that don’t require a college degree. The AP survey found that recent grads were “more likely to be employed as waiters, waitresses, bartenders, and food-service helpers than as engineers, physicists, chemists, and mathematicians combined. There were more working in jobs such as receptionists or payroll clerks than in all computer professional jobs. More also were employed as cashiers, retail clerks, and customer representatives than engineers.”


The Federal Student Loan Program brings in a surplus of $184 billion for the Federal Government. Call me what you will, but I don’t think that government should be a profit making enterprise, especially off students.


Student loans are applied by many people these days.  It is for the hope that student loans can greatly support their education.  Well, that is primarily the purpose of student loans, but there are some instances that getting student loans is what lead people to be buried deep in debt.  This is common among those who failed to repay their debts or those who actually escape from their obligations.


Now, planning for successful repayment involves a lot of considerations.   The planning should start before you place and strike your pen on your first promissory note.  Just as you are making a commitment to your career by way of investing time and money in higher education, you should also make a commitment to your financial future by way of effectively managing your student loans from the beginning.


Here are the most recommended tips and tactics that may help you handle your student loan debt effectively and repay the loans successfully.


Tip #1:  Do Your Own Research


Always note that not all loans are the same.   Some of them, such as the ones provided by the Indiana Secondary Market for instance, offer benefits during school as well as after graduation in the form of repayment incentives, while other do not.   They will pay the 3 percent origination fee normally charged on Federal Family Education Loan Program (FFELP) loans, and this process actually means more money for the books, school supplies and living expenses.  And, after you graduated, there is a chance that you will be qualified for reduced interest rates especially when you ready your payments up on automatic withdraw.   So, with the differences in student loans, it is necessary that you do your research before signing the first promissory note.


Tip #2:  Pay Attention to the Mail


Typically, every borrower receives important information regarding the student loan he or she took out.  The mail usually comes in before, during and after school.  So, it is somehow important that you read all of the materials you receive carefully.  In case, you have questions, the source of the materials is available to welcome you with your questions.   Don’t hesitate to ask, and never ignore the correspondence or you may miss out a very vital deadlines or details about your loans.


Tip #3:  Be Organized


When taking out student loan from a particular institution, it is always best to save all of your student loan documents and correspondences.  This makes you aware of what exactly you’ve agreed, what is expected from you as a student loan borrower, and how much you have borrowed.   At the start of the student loan process, you may find it unnecessary to keep all the documents, but when the repayment period is approaching, there is a great possibility that you may refer to some or all of these documents.


To makes things easier for you, begin by setting up an easy to use record-keeping system where you can store your student loan documents and correspondence.   As you may know, there are a number of books and software products on personal finance to help you get started.   Whatever you may use, whether file folders, binders, portfolios, or envelopes, it is a good idea that you set up one folder for every type of loan or account you have and keep the items sorted accordingly.


Here is what you should keep:


Important documents like your student loan applications, promissory notes, disbursement and disclosure statements, as well as loan transfer notices.


Copies of all correspondences between you and your student loan lender, loan holder, and/or servicer, including your school’s financial aid office.


Addresses and telephone numbers of your lender, loan holder, and servicer.  These must be maintained up-to-date.


The name, the date and time of the conversation, as well as a summary of what you have discussed.  These must be considered especially when you are speaking with anyone regarding your student loans as these may be valuable for future reference or clarification.


Also, when setting up your record-keeping system, be sure that it is comfortable to use.  This means a system that you will find easy to maintain over the life of the loan.  This record-keeping system must also be secured from theft or fire.  Many experts also suggest that you should keep all your student loan related documents and correspondences until all the education loans you’ve taken have been fully repaid.


Tip #4:  Be present at All Required Entrance and Exit Sessions


When you take out student loan, you will be required to complete student loan counseling sessions.  This is often considered when you first obtain the loan and upon graduation.   Also, it is worth noting that some schools these days offer this on-line and the sessions will not require a great amount of your time.  However, they will provide you with a great deal of information on your right and responsibilities as a borrower.


Tip #5:  Learn to Manage Money like an Expert


It has been said that if you live like a professional while you are in school, you will live like a student once you’ve finished your degree.   In other words, it is important that you know very well how to handle your money while you are attending school.  This will help you lessen the total amount you end up borrowing, and in turn, the amount you will responsible for repaying.

Here are some of the tactics that are worth considering:


Develop realistic budgets for while you are attending school and even after you graduate.   This will allow you to borrow not more than you need, giving you a great chance to repay your loans.

Learn to live as cheaply as you can.   Always remember that you are just a student.  You will enjoy a more comfortable lifestyle once you’ve graduated especially if you lessen your borrowing while you are in school.   Some of the most recommended ideas for how to be thrifty include getting a roommate, renting a movie instead of going out to the theater, as well as bringing your lunch from home instead of eating out.   Be thrifty as possible.


For any credit card bills you receive, try to pay the full amount due.

Establish a budget for yourself and follow it.   While you are in school, it is important that you know how to resist the urge of using credit cards or your student loan funds to purchase things that are included in your budget.  Don’t just buy unnecessary things.


If possible, explore work-study or other part-time employment.  As often said, it may give you an opportunity for you to study or obtain valuable professional experience, other than help cover overheads.


Tip #6:  Maintain at least Half-Time Enrollment


Considering a half-time enrollment is highly necessary in order for you to qualify for an in-school deferment.   The half-time enrollment normally takes six credit hours.   Regarding your school’s requirements for half-time status, see your financial aid officer.


Tip #7:  Take Advantage of Tax Savings


Some of the student who takes out student loans qualifies for tax credits.  To see your own status, check with your tax advisor.  The credits are actually based on your qualified tuition payments, and they can help reduce the amount of Federal tax you pay.  Now, if you are paying interest on a student loam, you may also be able to take a deduction on your Federal tax return for those interest payments.  Therefore, to obtain the full benefit of the credits as well as the deductions, grab the opportunity of employing the additional tax refund to pay down your student loan debt, or perhaps to handle your educational overheads.


Tip #8:  Repayment Tips

As you enter the repayment period, note that being aware of your student loan obligations is very crucial.   This is where the student loan default usually happens.  It occurs when you fail to pay back the loan as agreed or meet the other terms of your promissory note.  The promissory note for each of the loans must then be referred prior to your graduation or before you leave school so that you know what your rights and responsibilities are in repayment.


Here is what you should do as you enter the repayment period:

Send your education loan payments when due every month, for the full monthly payment amount or more.   This must be done regardless of whether or not you receive a bill.

Note and understand the repayment options provided by your student loan lenders.  With some available options, there is a possibility that you can lessen the total cost of the loan by making a high monthly payment.  Other options may even lessen your initial monthly payments and may make it easier for you to pay back your leans early in your career.


Understand the deferment as well as forbearance.  In case you need them, just learn to exercise your options.


Remember that the loan consolidation and its repayment options have its pros and cons.  So, understand them.


Keep your school, lender or servicer informed of your whereabouts.  Contact them immediately if you change your name or address; have questions about billing statements; have problems making your scheduled payment on time; or if you want information on or application for deferment or forbearance.

Read, note and understand all the correspondence you receive from your student loan lender, loan holder, or servicer.  And, respond them promptly if asked to do so.


For Further Information

If for instance you need further information regarding your student loans, always remember that the financial aid staff at your school is probably your most important resource.   However, there are also some consult publications from federal and state governments, lenders and scholarship granting organizations, and financial ad guidebooks that are available from your local bookstore.  They are great enough for you to start your own search.

Low-Wage Jobs In America Have Soared Since The

"America remains one of the wealthiest countries in the world,
but the 
quality of our jobs are in decline. 

In a reversal of centuries of growth and opportunity, the U.S.
has become a Crappy Job Nation..."

During the recession, jobs were lost all over the place.
But mid-wage occupations (hourly wages from $21.14 to $54.55)
were decimated, 
according to an analysis by the National Employment
Law Project, a worker advocacy group. Neither mid-wage nor
high-wage positions have returned to their recession levels.
low-wage jobs have soared."

"There are now 7.3 percent fewer mid-wage occupations
than there were in 2001, compared to 8.7% more low-wage ones".


Among workers ages 40 and 50, nearly half fear the financial consequences of a critical illness-compared with just 29 percent who rate dying as their biggest concern, according to a new study.


PM’s Roundup of Useful Resources…


The industrial age is over, so why are we still punching in?



Here is a link to the free e-book on "How Much Land Does It Take To Be Food Self-Reliant". It's a quick and easy read - and you'll know what you can do with the land you have right now.
Click here and download the e-book.



Fun stuff for families with kids  SP1 shows us a hidden safe room idea… if you want to finish a basement then consider an idea like this one. Continue reading A hidden shelter in a home (video)


“Now that the 4th Amendment is no longer a guarantee against broad government spying, the floodgates have opened for tech companies to give users their privacy back...Unsene currently offers encrypted web messaging, video calls, and file sharing — essentially, an alternative to Skype.”    Read more here:

Facebook Timeline Manual+Resource Guide & 2013 Social Marketing Report: Using Social Media to Grow Your Businessfind these valuable free reports in our DemoTrends Folder at:



Two Drexel University students developed a wind-harvesting concept which would exploit the wind whipping through “concrete canyons” between buildings and skyscrapers in large urban centers. Their concept involves a system of wind turbines that could be installed in streets and spaces between buildings, using flexible sails to divert otherwise turbulent winds into a more useful stream.



The Nanny State-We love our government

TSA: Pay More and We’ll Grope You Less

The government is expanding the ways airline passengers can enroll in an expedited screening program that allows travelers to leave on their shoes, light outerwear and belts and keep laptop computers in cases at security checkpoints.

Under the Transportation Security Administration’s Precheck program, only travelers who were members of the frequent flyer programs of some air carriers were eligible for expedited screening. On Friday, TSA Administrator John Pistole said beginning later this year U.S. citizens will be able to enroll online or visit an enrollment site to provide identification, fingerprints and an $85 enrollment fee.



The Parting ThoughtNot to worry in the land of the free!



How government dominates our life – time for an overthrow…

It was just last June in this space that I reviewed Nullification, by Thomas Woods. It showed how, over the course of American history, states and citizens successfully thwarted federal usurpations of power. It since has become a guidebook used in many state capitols.

Now comes the prolific Woods’ latest: Rollback: Repealing Big Government Before the Coming Fiscal Collapse. It’s broader in scope, taking on the whole government that minutely controls, and ruins, our lives.

He details how, as he puts it, "the federal government has, in fact, been an enemy of the people’s welfare, and that the progress in our living standards has occurred in spite of its efforts. [The government] pits individuals, firms, industries, regions, races and age groups against each other in a zero-sum game of mutual plunder. It takes credit for improvements in material conditions that we, in fact, owe to the private sector, while refusing to accept responsibility for the countless failures and social ills to which its own programs have given rise."

That’s the most accurate description of the federal government that I’ve ever read.

He describes an economic and social "crash" that is inevitable: By 2020, according to the Congressional Budget Office, interest payments on the national debt will be $925 billion a year – assuming the economy recovers, which it might not.

Future liabilities for Medicare are $96.5 trillion. Of that, $19.4 trillion comes from Medicare Part D, the prescription drug program imposed by President George W. Bush, whom some still call a "conservative."

The debt the federal government has run up in our name is $200 trillion, according to Boston University economist Lawrence Kotlikoff, who thinks some relatively painless reforms could improve matters. "The truth is, there are no such reforms," counters Woods. "If there were, they would have been implemented long ago." That $200 trillion comes down to $64,516 owed by every American, even babies born today.

Woods also shows how the massive military spending of recent decades has debilitated the economy by diverting scarce production from consumer goods, much as happened to the old Soviet Union. The end of the Cold War in 1989 saw a small decline in defense spending. But that was reversed after 9/11. He details how the machine-tool industry’s heavy reliance on Pentagon contracts severely retarded its ability to innovate in producing advanced machines, allowing first the Europeans, then the Japanese to dominate that sector. Woods warns that "the more an industry caters to the Pentagon, the less it makes production with the civilian economy in mind."  More at:


Support the Revolution – Make a Donation to the Poor Man today!

“Until the next revolution”, the Poor Man


Much of what the Poor Man does is to promote the concepts of self-reliance, a voluntary society and economic independence -- writing articles, giving talks, maintaining blogs and an educational website -- he does for free. Donations made to support him in these efforts are much appreciated.


Keep our services free-Check our Resources


Free – Updated Sideline Income Resources and Tools


Get the No BS – Ready for Anything Survival Files Download-Now includes…

Home Prepping Database Program

This software will assist you and your family in what and how many supplies you will need when you will need to lockdown in your home until things settle down





A Shallow Planet Production