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Saturday, September 28, 2013

Bartering can save your life! Batteries for Bomb Shelters, Banking Alternatives...

Bruce’s Poor Man Survival Bulletin

A Digest of Urban Survival Resources

For Independent Minded People!

ISSN 2161-5543


You can never get enough of what you don't need to make you happy.
- Eric Hoffer

From The Smiling Dog Saloon Files



In This Issue:

1.       Has a bank black-listed you? People seek alternatives

2.      Batteries for bomb shelters, How many seeds to stock?

3.      Can you fix it? Free Garden & Food Storage Downloads

4.      Bartering can literally save your life


Banks Say No to New Accounts-Give Rise to Pre-Paid Service Popularity


You've heard of credit reporting agencies. But did you know there are companies tracking your banking history and any money mistakes you make? We're talking about your consumer report, and most banks look at it before allowing you to open a checking or savings account. If your record is not good, you could end up literally "blacklisted by banks."

Natasha Carmon pays her bills by driving around Louisville, business by business, then going inside and settling up with cash or a money order.

"It's definitely frustrating," Carmon said.

Frustrating because she would rather pay by check, but each time Natasha tried to open a checking account at several different banks she said she got the same surprising news.

"They all denied me and they all said that it's because you owe this bank 'x amount' of dollars," Carmon said.

She said four years ago she got hit with a bank fee and when she could not pay it the charges piled up and her account was closed.

"The fees just got so extreme that I couldn't keep that up," she said.

Unpaid fees and involuntary account closures are just some money mistakes banks and credit unions may report to two different tracking companies - Chex Systems and Early Warning. These consumer reporting agencies receive information about people who have had financial mishaps or even fraudulently bounced checks. And before they approve a new account many banks check your past records with these companies.

"It's a good indication of whether the person can manage the account and what risk they present of causing the bank to lose money," said Nessa Feddis of the American Bankers Association.

An FDIC survey reveals 65% of banks deny checking account applicants who have prior mismanagement in their consumer reports.

"A consumer who bounced a check once is not a deadbeat, a consumer who bounced a check once may not even have made a conscious mistake," said Ed Mierzwinski of the National Association of State Public Interest Research Groups.

7 Myths About Secured Credit Cards

It’s hard to function in America today without some sort of credit card. They’re the safest way to shop online, and are often important – even necessary – to arrange for travel expenses like rental cars, hotels and plane tickets.

For many, access to credit cards is as simple as responding to a solicitation in the mail, or filling out a simple online application. But for those with past problems, low income or no credit history, it’s not so simple.

That’s where secured credit cards come in. Put up a deposit to secure your card, and odds are good you’ll be approved.

Sound simple? It is, but there are still plenty of misconceptions about secured cards. In the following video, Money Talks News founder Stacy Johnson dispels some of the myths. Check it out and then read on for more.  Read more at

PC Magazine has just released the results of its tests of antivirus software, both paid and free programs. Bitdefender, Norton, and Webroot all shared top honors. Among free products, Ad-Aware and AVG did well. The best malware removal tool was Malwarebytes, which is free.



PM’s Roundup of Useful Resources…


Gardening & Food Storage How-to’s – More than a dozen free download reports at:


Have you heard about the American Holistic Veterinary Medical Foundation?
(NaturalNews) A brand new, revolutionary approach to pet care is gaining attention. The American Holistic Veterinary Medical Foundation is emerging as an alternative answer to pet care. Based on a philosophy of integrative medicine, this holistic...


Batteries for bomb shelters, Part I

When you need power, but there isn't any…

There are lots of scenarios where you can imagine not having power for a day or two.  In those scenarios batteries aren’t really an issue.  Most modern devices that you would reasonably need in a two-day power outage don’t gobble up those batteries.  Even portable gaming devices, for kids or to pass the time with, are much better than they used to be.  The real challenge comes when you have to plan for longer power outages or for going to places that have no reliable power at all.


How Many Seeds to Stock or Plant (link)

Trying to figure out how many seeds you should REALLY stockpile can seem like a daunting task. The following guide attempts to shed some light on the issue and even provides a few links to handy references you may like: “How many seeds do I need to plant? How much seed is enough in a…


Here’s a sad truth: most of us can’t repair a darn thing anymore! We simply call somebody or choose to buy a new one. But, in a long-term situation neither of these solutions will work… you simply MUST be able to fix whatever it is that’s broken or do without. Now, I’m no “Mr. Fix…

Continue reading Can You Fix it? (link)


Why is Obamacare so unaffordable? Because it was conceived as a political weapon of mass economic destruction
(NaturalNews) Right now, all across America, employees are receiving notices that their insurance coverage is being dropped because it isn't "compliant" with Obamacare. Simultaneously, employers everywhere are ...


Always trying to find new ways to nickel and dime their customers, rental car companies have found a new way to charge you for gasoline used. Most savvy renters won't accept the rental firms' pricey gas plans, but instead agree to bring the car back with a full tank. A typical renter might fill the tank on the way to the airport because the gauge will still be on "F" by the time they get there. Now Avis and soon Hertz will be using electronic meters that can tell how much gas is missing from your tank, down to 1/10 of a gallon, and charge you at the rate of over $9 a gallon for it.



The Nanny State-We love our government

Drug War Statistics

Amount spent annually in the U.S. on the war on drugs:
More than $51,000,000,000

Number of people arrested in 2011 in the U.S. on nonviolent drug charges:
1.53 million


Number of people arrested for a marijuana violation in 2011:

Number of Americans incarcerated in 2011 in federal, state and local
prisons and jails: 2,266,800 or 1 in every 99.1 adults,
the highest incarceration rate in the world   

Estimated annual revenue that California would raise if it taxed
and regulated the sale of marijuana:


Number of people killed in Mexico's drug war since 2006: 70,000+




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


Bartering can literally save your life!

You see, the first thing you should do is develop your "BATNA".

That stands for your "Best Alternative to a Negotiated Agreement".

Here's an example...

Let's say that your only form of transportation is walking and you need a better way to seek out provisions further from home.

You may be trying to negotiate with someone for a car, but you may decide that your "best alternative" (ie. BATNA) may be a bicycle.
You first find someone who has BOTH a car and a bike.

Then, you negotiate HARD for gaining use of their car with what you have to offer.

By bartering aggressively with your goods for such a high-value item as a car, you attach a much higher value to what you have to offer.


 SHTF Barter Items, Beans/ Bullets/ Bandaids




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