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Wednesday, November 28, 2018

Does GM's Restructuring Equal Economic Panic?


Poor Man Survival

Self Reliance tools for independent minded people…


 

ISSN 2161-5543

A Digest of Urban Survival Resources

 


GM announced it would kill several passenger cars that weren't performing well. Included: the Chevrolet Volt and Cruze – Americans  like oversized SUVs & big trucks - despite many being upside down in 72 month loans…

America’s twin economic “generals” are both in very deep trouble.  General Electric was founded in 1892, and it was once one of the most powerful corporations on the entire planet.  But now it is drowning in so much debt that it may be forced into bankruptcy.  General Motors was founded in 1908, and at one time it was the largest automaker that the world had ever seen.  But now it is closing a bunch of factories and laying off approximately 14,000 workers as it anticipates disappointing sales and a slowing economy.

Our local news in MI interviewed a few of GMs factory workers after this announcement and of course the reaction was predictable.  Despite receiving the biggest bonus payout in history this year [some as high as $10,000] many of these union workers had already blown through their bonus cash and expressed huge dismay and concern over their coming job loss as few had socked away any money.

GM workers say they had 'no warning' of closure


Despite being given ample opportunity for early buy-out or retirements!

I grew up across the state line in Ohio but most of my relatives lived in MI and worked for the Big Three and experience the boom and bust times of working on assembly lines.  It was common to see such workers going into deep debt buying all sorts of toys including boats, snow mobiles, jetskiis, cabins and the like.  In the early years layoffs were almost welcome as workers not only received unemployment compensation but sub-pay through the union so in many cases they “earned’ almost the same wage for doing nothing…like a paid vacation and many were happy with that arrangement.
Union wages at the Big Three were the envy of working world, especially the health care and retirement packages which often exceeded even government workers!
Many said GM has been mismanaged for decades and the Obama should never have bailed it out using taxpayer funds [he forgave GM its last billion or so]…

GM’s “restructuring” is actually going to cost the firm 3.8 billion dollars

General Motors said Monday it plans to effectively halt production at a number of plants in the U.S. and Canada next year and cut more than 14,000 jobs in a massive restructuring that will cost up to $3.8 billion…management had been asking for voluntary layoffs for months to the rank and file but few took them up on the generous offers GM made choosing instead to wait and get the axe.

Of course GM doesn’t have 3.8 billion dollars just lying around, and so they are actually going to have to borrow money in order to close these plants and lay off these workers.

Needless to say, President Trump is not very happy with General Motors right now…

Trump said he spoke Monday with GM’s CEO, Mary Barra, and ‘I told them, “you’re playing around with the wrong person”.’

He told reporters as he left the White House for a pair of political rallies in Mississippi that the United States ‘has done a lot for General Motors. They better get back to Ohio, and soon.’

There is no way that Mary Barra should have ever been made CEO of General Motors, and now the entire world is getting to see why.

In addition to the elimination of about 6,000 factory jobs, GM will also be cutting about 8,000 “white collar jobs”

Did General Motors really have to announce job cuts just before the holidays?  According to the Daily Mail, some workers were seen wiping away tears when the layoffs were announced…

Heart-wrenching photos show General Motors workers wiping tears away after the company laid more than 14,000 people off without warning and just before the holidays…workers were given the option to take early retirement with six months of benefits and pay if they had 12 years of employment as far back as January of this year after being given record high bonus checks [which most promptly spent].

In a massive restructuring, the auto giant announced Monday that it will cut 15 percent of its workforce to save $6 billion and adapt to ‘changing market conditions’.

‘You’re going right into Christmas. You’re looking for celebration and that’s not there now,’ one GM worker told Today.

 
In addition to the production cuts, GM said it will reduce its North American white-collar workforce by about 8,000. The deadline passed last week on a voluntary buyout for those workers, and GM spokesman Pat Morrissey told the Free Press that only 2,250 employees have asked to take the offer, meaning as many as 5,750 workers could be cut if the company keeps to its announced total. Analysts told the Free Press to expect involuntary cuts in January.

So why is General Motors doing this?

After all, if the U.S. economy really is “booming” that should mean increased sales for all of the major automakers in the coming years, right?

Unfortunately, the truth is that hard times are already here for automakers.  In fact, Bob Lutz told CNBC that “we’ve got a demand problem on cars”…

Former GM Vice Chairman Bob Lutz said the automaker historically would have raised sales incentives to try to sell more cars before resorting to plant closures.

“Nowadays GM looks at the hard reality, says we’ve got a demand problem on cars, what are we going to do about it. We have to shut some facilities and move production to truck plants,” Lutz said on CNBC’s “Halftime Report. ” “So I think what we are seeing is a fast-acting and reality-oriented GM management.”

Over the past four years, General Motors spent a staggering 13.9 billion dollars on stock buybacks.

GM executives were able to prop up the stock price for a while, but at this point the stock is down about 10 percent from where it was four years ago.  The following comes from Wolf Richter

During this four-year period in which GM blew, wasted, and annihilated nearly $14 billion on share buybacks, the price of its shares, including today’s 5.5% surge – getting rid of workers is always good news for shares – fell 10%.

These stock buybacks are a massive Ponzi scheme, and everyone that was involved in blowing such a giant mountain of cash at GM should be fired.

And now thousands of hard working Americans are going to lose their jobs, but it didn’t have to happen.

General Electric has also been victimized by the exact same Ponzi scheme, and at this point they are in a struggle for survival which they are probably going to lose.

On Monday the stock slid another couple of percent, and so far this year it is down a total of 58 percent

Not a day passes lately without GE stock getting hit by some unexpected development, and today was no exception.

GE shares, which are down 58% YTD, dropped over 2% on Monday, after sliding as much as 4.1% earlier in the session and approaching its financial crisis low of $6.66, following a research report by Gordon Haskett analyst John Inch which prompted fresh questions about the treatment of goodwill at GE Capital.

In the end, GE is probably heading for total collapse. GE is a horrible firm that began the massive offshoring of US jobs back in the mid-1980s [I wrote about the folly of this action in my business journals back then and some scoffed saying it was only temporary…]
 
 

But if GE had not blown 40 billion dollars on stock buybacks in recent years, they would be in far, far better shape.  The following comes from the Marketwatch article …

GE was one of Wall Street’s major share buyback operators between 2015 and 2017; it repurchased $40 billion of shares at prices between $20 and $32. The share price is now $8.60, so the company has liquidated between $23 billion and $29 billion of its shareholders’ money on this utterly futile activity alone. Since the highest net income recorded by the company during those years was $8.8 billion in 2016, with 2015 and 2017 recording a loss, it has managed to lose more on its share repurchases during those three years than it made in operations, by a substantial margin.

Even more important, GE has now left itself with minus $48 billion in tangible net worth at Sept. 30, with actual genuine tangible debt of close to $100 billion. As the new CEO Larry Culp told CNBC last Monday: “We have no higher priority right now than bringing those leverage levels down.”

Combined, General Electric and General Motors have blown more than 53 billion dollars on stock buybacks, and now both companies are in huge trouble.

The executives that gutted the finances of both firms by engaging in these sorts of Ponzi tactics should all be fired and should never be hired by anyone else in the corporate world.

For years, big corporations have been borrowing massive amounts of money to fund reckless stock buybacks, and that has helped to fuel an amazing bull market run.

But now the game is imploding, and the unraveling of this massive Ponzi scheme is not going to be pretty.
 
 

AND TAKE NOTE ABOUT WHAT THIS MEANS FOR THE ECONOMY:

Economic panic is a very useful tool in the hands of the banking elites for molding social conditions in a way that gives them greater psychological power over the public. In every instance of financial catastrophe, it is the banking cabal that is asked to step in and save the day. In 2008 it was the Federal Reserve that was tapped to act as a hero to the mainstream, and only through the tireless efforts of alternative economists and liberty activists has this fallacy been exposed to some in the population.

In the next crisis, it will be the IMF that is used as the front organization for the next rescue as market collapse leads into a crisis in confidence in the U.S. dollar. I outlined the plan for this in my recent article 'IMF Reveals That Cryptocurrency Is The New World Order End Game.'

The average person is completely unaware of the Hegelian con-game being played here. And, when banking institutions step in as the designated "caregivers" to the ailing economy, what we sometimes see is a kind of reverse Florence Nightingale effect, in which the patients fall in love with the nurse merely because they have associated the extension of economic function to an extension of their lives (or at least, an extension of comfort in their lives).

The next engineered crash is shaping up to become the most epic in history, and make no mistake, it has already started. Even now mindless optimism and blind faith in the markets continues, and the assumption on the part of the investment world is that the banks will eventually be forced to admit their "policy error" on tightening and that they will revert back to lower rates or even more QE. This is not going to happen.

Hopium sellers have been peddling several scenarios lately in which the current downtrend in markets will stop and the bull rally party rekindled. The three most pervasive are...

Scenario #1: The Fed suddenly skips rate hikes in the near term under pressure from markets and the White House.

Scenario #2: The Fed fully admits to policy error in light of stock market declines and re-launches QE.

Scenario #3: Trump announces successful trade war negotiations, primarily with China, and ends tariff measures.

Today, Jerome Powell is taking the exact actions in policy that he originally stated would cause a crash. Powell is not tightening out of stupidity, nor is he tightening out of a misguided error in policy. Powell is tightening because the banking elites want a crash. Period.

Because of this, it is highly unlikely that the Fed will stop tightening measures, let alone reverse them. The Fed does not care about "pressure" from markets, or pressure from the White House

The Fed will continue hiking up to the neutral rate of inflation, and probably well beyond that into 2019. This is exactly what they did during the Great Depression to escalate the crisis, and it is exactly what they will do today.

Trump's trade war rhetoric is now the only lever that can be pulled to stall the market landslide. But it appears that this stalling is meant to make the crash more manageable, not stop it from happening. Trump will jawbone markets up at times, but overall there will be no progression in negotiations. The trade war will eventually escalate to include threats to U.S. bond markets and the dollar itself.

 
Get my free ebook and related materials about the Washington-Wall Street Cartel and how they screw Middle Class America below…

Yours for a brighter season,

Bruce ‘the Poor Man!’

Final Notes…
 

We are living at a time when everything is in a bubble – the current housing bubble is much larger than the one that collapsed in 2008, student loan debt has now surpassed the 1.5 trillion dollar mark, corporate debt has doubled since the last financial crisis, U.S. consumers are 13 trillion dollars in debt and the federal government is nearly 22 trillion dollars in debt.  And even though stock prices have fallen dramatically in recent weeks, the truth is that stocks are still wildly overpriced.  

A stunning new study that was just released came to the conclusion that the globe is heading for “a massive worldwide financial meltdown”that will be unlike anything that we have ever experienced before…

Previous crashes will appear as “minor stumbling blocks” in comparison to what nuclear scientists are predicting as a massive worldwide financial meltdown “such as never before” in the mid-2020s. Analysts from the Institute of Nuclear Physics of the Polish Academy of Sciences in Krak√≥w are forecasting the future of the global economy as “extremely bleak” as “nervousness of the world market is growing all the time”. The academics’ “catastrophic” predictions come from “multi-fractal” analysis of financial markets published in the journal Complexity. The researchers looked at various economic measures, including Standard & Poor’s 500 index – the largest global stock market index including the largest 500 firms, largely of a worldwide nature – from January 1950 to December 2016.

 

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.

 

 (More) Forever Foods for Your Prepper Pantry
 

 


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 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.

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Your Free Middle Class Survival Kit

SAVE & MAKE Money

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or…


 


 

How to Survive the War on the Middle Class


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Monday, November 26, 2018

What Separates the "Ordinary People" From the Heroes?


Poor Man Survival

Self Reliance tools for independent minded people…


 

ISSN 2161-5543

A Digest of Urban Survival Resources

 


"This inner world is truly infinite, in no way poorer than the outer one. Man lives in two worlds." 
- Carl Jung

 

What Separates the "Ordinary People" From the Heroes?

 

Nietzsche, in a blinding flash of insight, pulled Thus Speaks Zarathustra out of the ether and, in a mad fury, wrote the entire thing in just ten days.

He then, like Jung, spent the rest of his life figuring out what this work meant -- discovering its meaning and fleshing his most brilliant ideas out of it.

Albert Einstein, one night, imagined he rode on a beam of light, and spent much of his career putting into words and building on that thought experiment, leading to his most important discovery, one of the most significant discoveries of the 20th century, the Theory of Relativity.

Nikola Tesla, a wildly underrated figure of the 20th century, had no need for a model to test any of his inventions. They appeared in front of him as visions he could stop and start as though they were really there.

"During my boyhood," Tesla wrote, "I had suffered from a peculiar affliction due to the appearance of images, which were often accompanied by strong flashes of light. When a word was spoken, the image of the object designated would present itself so vividly to my vision that I could not tell whether what I saw was real or not… Even though I reached out and passed my hand through it, the image would remain fixed in space."

Day and night, he said, he would go on journeys. He would travel to new cities, imagining himself living in countries he'd never been to. "I made imaginary friends who were very dear to me and really seemed alive."

So, we wonder…

What Separates the "Ordinary People" From the Heroes?

The most brilliant people in history seemed to have an uncanny connection to a deeper, more primal, creative mind.

The thing, perhaps, Jim Morrison of the Doors [my first concert] and the Lizard King, would later, after a peyote-fueled vision quest through the desert, call the Universal Mind.

"My brain," said Tesla, "is only a receiver. In the Universe, there is a core from which we obtain knowledge, strength, inspiration. I have not penetrated into the secrets of this core, but I know it exists."

In this core, said Tesla, is the solution to every problem. The fix for all that's broken. The answer to every question.

And, thing is, you don't have to be a genius to tap into this power.

Carl Jung, one of the most brilliant men of the 20th century, would, to access this core when feeling stuck, go outside and play.

The Power of Play

In Memories, Dreams, Reflections, Jung talks about how, one day, after hitting a wall on a particular problem, he let his intuition take over.

He went outside, gathered rocks from a lake, and began stacking them.

Without knowing why, he started building a village made of stones, with cottages, castles, eventually even adding in a cathedral.

"What are you doing?" he asked himself. "I had no answer to my question, only the inner certainty that I was on the way to discovering my own myth. For the building game was only a beginning."

This led him to drawing and painting, which became fundamental to puzzling out his BIG questions.

He wrote:

"This sort of thing has been consistent with me and at any time in my later life when I came up against a blank wall, I painted a picture or hewed a stone. Each such experience proved to be a rite d'entre for the ideas and works that followed hard upon it."

His intuition served him well.

Neuroscientists now know three states of awareness that correlate to creative insight -- all induced by a relaxed state of play:

  1. relaxed calm focus,
  2.  positive moods, and
  3. meta-awareness (being aware of your awareness and thoughts).

Why Kids Are Smarter Than Us

"We learn," author Jeffrey Davis writes in The Creativity Post blog, "by rolling up our sleeves and making things, even if what we make is crap or doodles or stacks of stones. The embodied creative mind lights up when the body is engaged in focused play.

"The playful hands-on activity of working with clay or sketching puts your mind in a state of relaxed calm, quiets the machinating worrier within, and awakens parts of your brain associated with creative insight."

If you're stressed, overworked, blocked, hitting a brick wall… it's time to stop trying… let go… and start playing.

It's the key to digging out the answer to your challenges (creative or otherwise) and even finding your calling.

Davis offers some suggestions:

1] Sketch your questions. With your question in mind, just start sketching. Don't control it, just put the pencil to paper and start, see what forms emerge, follow them, let go. Relax into it. Stay curious. Allow the inner critic to fall away.

2] Think with your hands. Says Davis: "Get some clay, legos, a sketch pad, or a whiteboard. Plant the question in the back of your mind, and start doodling with your hands. Diagramming on a whiteboard or doodling in a sketch pad trips up the brain's 'worry circuitry.'"

3] Start a dream journal. This is one of my personal favorites, and has been a huge part of my life lately. (More on that soon.) Sketch images that come up in your dreams. Write down larger themes. Can't remember them? Make the intention before you go to sleep. Your subconscious mind is always trying to communicate. Talk back. Ask it questions. Sounds "woo-woo," but it works.

4] Be playfully obsessed. Do something that has no point and makes no sense. Says Davis: "Andy Goldsworthy inspired me several years ago to start making random stick sculptures in our woods. I had no idea what I was doing or why except that it was helping me 'work through' some ideas for some life-transition questions."

Most of the greatest ideas in history didn't emerge from the rational mind, but from a deeper place.

Play, it appears,is the key to unlocking that deeper, creative mind.

Something, as it happens, sorely missing in the life of most adults.

What a shame.

It's the stuff of geniuses.

As one blazing-hearted Western mystic said long ago:

"Truly I tell you, unless you change and become like little children, you will never enter the kingdom of heaven.

 

On the Political Scene:

Rumor has it…Iran plans to limit its oil output with hopes of driving up the cost of fuel for Americans in particular to $16 per gallon just in time for Christmas.

The Strait of Hormuz.


One-third of the world's oil supply passes through this thin strip of water every single day. If it were closed for any reason, the price of oil would spike immediately.

Unfortunately, at its narrowest, this body of water is controlled by Iran. Meaning every single barrel of oil technically must travel through Iranian territory.

With new sanctions on Iran, the country's leaders have been making a lot of threats lately.

Iran's military can't feasibly strike back at the U.S. But they could potentially cause problems in the narrow Strait of Hormuz, according to a former U.S. Army general. And any disruption to the oil supply, even lasting just a week, could spike oil prices 300% or more.

>one way or the other, an oil price spike is coming. Potentially this winter.

>Market tension earlier this month stemmed from a prediction that the federal funds rate would be well on its way to a decade high even if the Fed did nothing at their November meeting.

Well, the Fed kept their funds rate at 2 - 2.25%. And a big hike is due in December while the yield curve continues to flatten, potentially signaling a recession…helped along by uncertainty in the international markets [the FED raising rates again, Brexit, China, oil, final NAFTA agreement, etc.]


Here's what you need to know...

Plus, a lot more is happening:


 

My new favorite conservative website:

Townhall.com

Many of my favorite columnists and features can be found here…it is a nice alternative to the leftist Yahoo…I recently stopped using this depressing search engine.

By the way, keep in mind:

 The winners are those who lose the least. As far as I'm concerned, the Greater Depression is looming, not just another cyclical downturn. You may find that although you're far ahead of your neighbors (you own precious metals, you've diversified, and you don't believe much of what you hear from official sources), you're still not as prepared as you'd like.

I think a good plan would be to approach the problem in four steps: Liquidate, Consolidate, Create, and Speculate.

Step 1: Liquidate

Chances are high that you have too much “stuff.” Your garage, basement, and attic are so full of possessions that you may be renting a storage unit for the overflow. That stuff is costing you money in storage fees, in depreciation, and in the weight of psychological baggage. It's limiting your options… It's weighing you down. Get rid of it.

Right now, it has a market value. Perhaps to a friend you can call. Or to a neighbor who might buy it if you have a yard sale. Or to some of the millions of people on eBay-my wife sold nearly $400 worth or Hallmark ornaments in a 24-hour period that she paid less than $20 for!   A year from now, when we're out of the eye of the financial hurricane and back into the storm, it will likely have much less value. But right now, there's a market.

Just before the previous financial storm hit in ’08, I warned my friends & associates to liquidate non-essential assets.  Those that did were forever grateful for that advice.

 Even if most people are no longer wearing those “He who dies with the most toys, wins” T-shirts that were popular at the height of the boom, there are still buyers. But the general standard of living is dropping, and mass psychology is changing. In a year or two, you may find there aren't any bids and the psychology of the country has changed radically. People will be desperate for cash, and they'll all be cleaning out their storage units (partly because they can't afford the rent on them).

Liquidate whatever you don't actually need – clothes, furniture, tools, cars, bikes, collections, electronics, properties, you name it. You'll be able to rebuy something like it, or better and cheaper. Just as important, you'll feel light and mobile, unburdened by a bunch of possessions that own you and weigh you down. It will definitely improve your psychology, which is critical to the next stage. And the cash it generates will be helpful for the rest of the plan.

Step 2: Consolidate

Take stock of your assets. After Step 1, that should be a lot easier because you'll have less junk but a lot more cash. You'll already feel more in control and empowered. And definitely richer. But your main assets aren't money or things. It's the knowledge, skills, and connections you possess. Take stock of them. What do you know? What can you do? Whom do you know? Make lists and think about these things, with an eye to maximizing their value.

If you're light on knowledge, skills, and connections, then do something about it – although if you're reading this, you probably already live life in a way that builds all of those assets daily. But there's always room for improvement. Think the Count of Monte Cristo. Or if you're not so classically oriented, think Sarah Connor after she met the Terminator.
Part of this process is to look at what you're now doing. The chances are excellent there's a better and more profitable allocation of your time. Even successful rock stars tend to reinvent themselves every few years. You don't want to get stale. That leads to Step 3.

Step 3: Create

Remember, the essence of becoming wealthy is to produce more than you consume and save the difference. But it's hard to maximize value working for somebody else. And when you're given a job, it can be taken away for any number of reasons. There is cause, and there is effect. You don't want to be the effect of somebody else's cause. You want to be the cause for everything in your life. That implies working for yourself. At least turn your present employer into a partner or an associate.

Perhaps go through the Yellow Pages (while they still exist), page by page, line by line, and see what you can provide as a service for the businesses advertising there. I promise you, they're all looking for someone to come along, kiss their world, and make it better. Think like an entrepreneur at all times. Remember that there is an infinite desire for goods and services on the part of the 7 billion other people on the planet. Find out how you can give them what they want, and the money will roll in.

I've said many times that I believe you could airdrop me naked and penniless into the heart of the Congo, and by the time I emerged, I'd not just have survived, I'd come out wealthy. And believe me, I don't think wealth is by any means the most important thing in life; it's important but should be considered a convenience, not an imperative. Not that I'd wantto be airdropped into the Congo at the moment; I've gotten a bit lazy, I have other interests, and you can't be everywhere and do everything.

But now that I think about it, if I wanted to make a real fortune today from a small base, I might prefer Africa to any other continent. As an educated Westerner, you can quickly meet anyone on an equal level much more easily than you could at home. If you have a reason that makes any sense at all, you can be in the office of the president within a week. These countries are all plagued with incompetence and corruption, they need everything, and they're full of untapped resources and talent. This all inures to the great advantage of a foreign entrepreneur.

Step 4: Speculate

You've got money. Now, you have to keep it and make it grow, because staying in the same place amounts to going backwards. That's partially because the world at large will continue getting wealthier, even as the dollars you own lose value.

 Most people will try to outrun inflation by trading or gambling. The markets, which are the natural friend of productive people, will perversely prove very destructive to them in the years to come. You'll know when the final bottom in the stock market has come: The average guy won't want to hear about the stock market, if he even remembers it exists. And if he does, he'll want it abolished.

Instead of becoming a victim of inflation and other politically caused distortions in the marketplace, you can profit from these things. Rational speculation is the optimum approach.

If you’re like us – WE SKIPPED BLACK FRIDAY. We did not visit any mall, we did not shop online…we don’t need anything other than food and clothing and therefore avoided bumping into rude crowds and foolish spending.  Instead, we enjoyed a pleasant Chinese dinner and completed a few holiday cards and spent another day cooking and enjoying time with friends…

Yours for a brighter season,

Bruce ‘the Poor Man!’

 

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.

 

 (More) Forever Foods for Your Prepper Pantry

 
 


·         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 forced 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…


 


How to Survive the War on the Middle Class

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


 


 


 

A Smoking Frog Feature, Shallow Planet Production