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Wednesday, April 17, 2019

'Too frail to work, too poor to retire'

Poor Man Survival

Self Reliance tools for independent minded people…

ISSN 2161-5543

A Digest of Urban Survival Resources


 'Too frail to work, too poor to retire' will become the new normal for many elderly Americans."

"We are on the precipice of the greatest retirement crisis in the history of the world. And that makes perfect sense because, first of all, we have the largest elderly population in the history of the world.

Just focusing on the United States: our elderly are woefully unprepared to retire… And in the decades to come we will witness millions of elderly American's, Baby Boomers and others, slipping into poverty. 'Too frail to work, too poor to retire' It will become the new normal for many elderly Americans."

So warns pension fraud whistleblower Ted Siedle.

Siedle's firm, Benchmark Financial Services, Inc. has pioneered over $1 trillion in forensic investigations of the money management industry. He's nationally recognized as an authority on pensions and investment management matters, having testified before the Senate Banking Committee regarding fund scandals and is an expert in various Madoff-related and other litigations.

In 2017, he secured the largest SEC whistleblower award in history of $48 million, and in 2018, the largest CFTC award in history at $30 million. 

Siedel rings a loud warning bell regarding the solvency of today's public pension system. Specifically, his investigations show that most of them:

·         Are much too under-funded to meet their future payout obligations (e.g., Kentucky's state pension plan is only 12% funded)

·         Are experiencing annual returns far below the required 7% average the plans assume in their forecasts

·         Have oversight boards making portfolio allocation decisions that are staffed by individuals with zero experience managing financial securities (e.g., policemen, kindergarten teachers)

·         Have little transparency. Many are rarely audited. And many have moved their capital off-shore without accounting for where it's been moved to.

·         Are heavily influenced by politics when making portfolio allocations. Pet projects, such as sports stadiums, get funded to disastrous results while making local politically-connected 'friends of the pension board' rich

·         Are paying much higher fees to Wall Street than they used to, whose advisors are putting them into riskier and poorer-performing vehicles (e.g. hedge funds) in a desperate reach for yield


Siedel's Top 10 Reasons Why Stealing From State And Local Public Pensions Is The Perfect Crime is reading certain to give nightmares to anyone depending on a public pension, or worried about being forced to bail out failed funds by paying higher taxes in the future:


I think there will be bailouts. The alternative is chaos, disaster, Armageddon. I mean, it's like when people say we should cut Social Security benefits. Well, the majority of people that get Social Security live on nothing but Social Security. If you cut Social Security  benefits people will die. People will get sick. People will not be able to get healthcare. Elderly people will be thrown out of their homes, their apartments, whatever

Wall Street will say "We've got a solution!" They'll offer pension obligation bonds, whatever. The solution Wall Street offers always is: Pay us more fees. Pay us to underwrite bonds. There will be many "solutions" offered. Taxing property owners is always popular as well. 


See the interview on Youtube using this link:





Chris Martenson:Pensions:

But, as bad as the pension nightmare seems on the surface, it's even worse below the covers. I recently had the chance to hear a true pension expert talk about how America's pension system is ripe for fraud and abuse and mismanagement.

Sure, pensions routinely overpromise, but it's actually worse than that. They … read more


As for personal savings, I'll make it simple: Most boomers have not saved nearly enough. In the worst case, it is really bad: 45% of boomers have zero savings for retirement.

According to the survey, 35% of Millennials who think they're worse off financially than they had expected to be don't have a savings account, and 33% of those who do have only $5,000 or less saved.

Retirement savings aren't faring any better for this group. Thirty-seven percent of millennials don't save for retirement at all, and 30% saves 10% or less a month, according to the survey.



There’s a generational breakdown occurring with increasing numbers of young people -- let’s define them as the under-30 crowd -- falling into despair, dismay and even outright demoralization over the state of the world.  Put bluntly, many of them see nothing to gain by preserving the status quo.

Conversely, the over 50 crowd has already paid into the system and desperately wants to preserve the status quo.  That’s where their retirement dreams exist.  With their finger now on the brass ring, it’s simply unthinkable to ponder that it could slip out of their grasp.

This demographic divide, between those with nothing to gain and those with everything to lose, grows wider every day.

What are your thoughts?  Feel free to leave a comment below…

Bruce ‘the Poor Man’


Free enterprise, limited government, individual freedom!


More Useful Resources!


Some of you might be thinking, "I'm a prepper, I won't have to scavenge for supplies. I already have everything I need." Maybe, maybe not. Even if you've been prepping for years, it's still possible you forgot a few things. But even if you didn't forget anything, you could still end up in a situation where you need something you never thought you'd need.

 What if you have to take in a pregnant woman or a parent with a small child? You may have to go looking for baby formula. What if your mother's prescription medications are lost or destroyed? You may have to go looking for replacement meds. What if a crucial piece of gear is damaged? What if you need parts for your shelter or vehicle? These are just a few possibilities off the top of my head. There are dozens of situations you won't think of until you're in them.

 The point is, you might have to scavenge for supplies after the shit hits the fan. If someone's life is on the line, you'll have no choice. But before I explain how to scavenge, I want to clear up some confusion about the difference between scavenging and looting...


If you’ve ever been in a real survival situation, you know how quickly your brain kicks into gear to create makeshift tools, weapons and other necessities that you don’t have with you out of whatever materials you can find laying around.  Survivals hacks are these bit of wisdom that real survivors, experimenters, innovators (and bored out of their mind people) have created over the years. Below are a few top hacks. Hopefully, you’ll find them useful.

Soda Can Life Hacks

1.        A pop can opener can be fashioned into a fishing hook.

2.        Fill a soda can with oil and insert a rolled up paper towel into the opening. Light the paper towel and enjoy and oil “candle” that will last for hours.

3.        Make a light out of the Coke can by cutting the side to make a “window” with the flaps that you cut serving as shutters. Place a candle inside of the can. As the candlelight reflects, it will be significantly intensified and you will have a relatively bright lantern.

Duct Tape Life Hacks

1.        Use duct tape to repair:

1.        Your water bottle

2.        Hydration pack

3.        Backpack

4.        Tent

5.        Clothing

2.        Stick some duct tape on a lid of a jar that won’t open, leaving a piece loose. Pull on the piece and twist – the jar will open.

3.        Stick a piece of duct tape on a deep cut or onto a chunk of flesh that was partially cut off to seal it when you have no bandaging material. This helps to piece the skin and flesh together. The downer? You’ll have to keep it there until you can get to a decent first aid kit (ripping it off is not pleasant.)

4.        Freezing? Wrap duct tape to seal the gaps between your sleeves and your gloves, as well as between your boots and your pants to keep the heat from escaping.

5.        Use duct tape as a brace and as a sling to protect the broken limb until you find more suitable materials (if you do).

Milk Jugs Life Hacks

1.        Use empty milk jugs to build a raft.

2.        One milk jug hack I saw recently relates to making a light. Fill the milk jug with water. Strap a headlamp onto it with the light facing in. Turn on. You will have a much brighter light.

Other Cool Survival Hacks

1.        Place any kind of improvised wick into a jar of Crisco and light it. Now you have a functional candle that will burn for weeks!

2.        Use any type of greasy chips (Doritos and Cheetos seem to work wonders) as tinder if there is none around.

3.        Use a coffee can to create a portable stove (cut an opening on the side towards the bottom to feed in branches and other fuel.) It creates a concentrated source of heat to cook your food.

4.        Apply some baby oil on the exposed skin to prevent (or at least delay) frostbite if you have to be out looking for food or supplies in freezing temperatures.

Have you discovered some hacks of your own? Don’t keep them to yourself! Share them with us.

htSustainable Eating – Food Preservation for the Modern Worldtps://

Help Fallen Officers

Have gift cards to national chain stores that you’re not going to use?  Send them to Concerns of Police Survivors [COPS] – the nonprofit will use them to assist families of fallen officers.  Note the card balance and mail to: Concerns of Police Survivors at POB 3199, Camdenton, MO 65020


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.

Ultra Safe Heater

A Safe Space Heater for Your Home!

What is the main concern about space heaters today? Safety. The Envi is not like any other heater you will find on the market. It is safe for the entire family. With the Envi, you can rest assured that your children and pets are safe and warm.

·         The envi is cool to the touch. It reaches only 90 degrees F on the front surface.

·         The envi has WallSens Technology. It will not heat without being mounted to the wall.

·         The envi has a built in Automatic Thermal cutoff. If air from the envi exceeds a safe temperature, the envi heater will power off.

·         The envi is wall-mounted. It cannot be knocked over, tipped over, or tripped over.

·         The envi can be left on 24/7 unattended.

·         The envi is fanless. It won't catch little fingers or hair.

With thought and foresight, the envi was born. We have created a safe space heater that will last for many years and keep you and your family safe.

The Envi is also a healthy space heater that is great for those with asthma or respiratory problems.

Save 20% by using this link!

You Can’t Buy Life Insurance After You’re Dead-Prepare NOW for Emergencies. Resources-Solar Chargers back in stock-Grab one now as they go fast.  Our supply on eBay sold out in ten minutes!

*Available at our storefront – PLUS grab one of our popular emergency solar/wind-up/battery back-up power plants…


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A Smoking Frog Feature, Shallow Planet Production


Tuesday, April 16, 2019

The Folly of Socialism, Bernie Sanders, Medicare for All, CA, WA, and OR

Poor Man Survival

Self Reliance tools for independent minded people…

ISSN 2161-5543

A Digest of Urban Survival Resources


The Folly of Socialism, Bernie Sanders, CA, WA, and OR

A friend of ours who sells antiques at our local flea market recently moved here from just south of Beverly Hills, CA.  He’s another example of someone who couldn’t wait to move away from “that socialist, anti-gun, high tax hell hole.”  He likes to tell us how overcrowded area jails are…to the point where people, including illegals, are no longer even charged with crimes if they  are lesser felonies or misdemeanors with fines of less than $1,000.

Meanwhile, we had watched Bernie Sanders deliver a half-hour presentation on Fox News from Pennsylvania.  It was apparent the room was packed with his supporters and anti-Trump people who seemed poorly educated when it comes to the math necessary for “Medicare for All” and other socialist policies Sanders offers.  [Mind you, I like Sanders but many of his theories won’t hold water due to affordability or access-even in Great Britain, veterans have extreme wait times to see a doctor].

In the past I did a comprehensive study of health care [which had been offered to the Democrats and never acted on for a glaring reason it is likely to fail to this day-it lacks Tort Reform, a key ingredient I feel is necessary to the success of any reform package…if you’re going to relegate doctors to a capped compensation package, which is what would happen under the Democratic health plan, you need to cap sky-high lawsuit proceeds and that is unlikely to happen under Democratic leadership as their mantra for decades has been “If you can’t legislate, litigate.”  Too many lawyers make up the Democratic party…another failing is their plan never includes the elimination of Workers Compensation, or the inclusion of dental, eye exams or hearing plans – all essential…and they ignore how many workers in the insurance industry would be laid off! 

Democrats today seem to operate in a paroxysm of ignorance and intolerance…acting as if Middle America and their values no longer exists or that we’re completely ignorant as to the premise of how many of their platforms fly in the face of mathematics or our heritage. They seem unable to grasp their inability to care for the homeless already here, let alone the illiterate hoards massing at our borders waiting to attach themselves to our welfare system.

Millions of people are moving away from our major cities on the west coast because of the hellholes that they have become.  A former Seattle police officer that was recently interviewed by a reporter from KOMO News  was very honest about the fact that he would never want to raise a family in Seattle because of the hellhole that it has become.  Every night he saw the worst of Seattle firsthand, and he finally felt forced to quit because city officials would not allow him to effectively do his job.  An explosion of homelessness in our major west coast cities has fueled a wave of crime, drugs and human degradation unlike anything we have seen before, and in many cases our law enforcement officials have their hands tied and are literally being prevented from cleaning up the streets.

Right now, more than half a million people are homeless in the United States.

Because of their ultra-liberal policies, some of the major cities on the west coast have become magnets for drug addicts, serial criminals, sex offenders, illegal immigrants and people that have simply heard about all of the “free benefits” that are being offered.  As a result, the streets of those cities have become a showcase for the social decay that is sweeping across our nation.

 San Francisco:  According to one report, it is home to more than 28,000 homeless people, and that would make San Francisco the city with the third largest homeless population in the United States.

As all those drug addicts aimlessly wander through the streets, many of them use those streets as their own personal toilets.  Over the past 8 years, more than 118,000 reports of human feces in the streets have been filed with city authorities

Since 2011, there have been at least 118,352 reported instances of human fecal matter on city streets.

New mayor, London Breed, won election by promising to clean things up. However, conditions are the same or worse. Last year, the number of reports spiked to an all-time high at 28,084. In first quarter 2019, the pace continued with 6,676 instances of human waste in the public way.

In addition to endless piles of poop, the drug addicts are also endlessly committing property crimes in order to pay for their drug habits.

Each year, there are more than 6,000 property crimes per 100,000 residents in San Francisco.  That is about four times the rate of property crime that New York City has reported.

Mayor Breed would like to get a lot of these homeless people off of the streets, but finding a place to put them has been problematic.  Residents of one wealthy liberal neighborhood are currently fighting like mad to keep a proposed homeless shelter away from their gated mansions…

A wealthy liberal neighborhood in San Francisco whose residents cast the most votes for Hillary Clinton in the 2016 presidential election is fighting against a proposal to build a new homeless shelter near their gated mansions.

Mayor London Breed has sponsored legislation to fast track a homeless shelter that would house 200 people. However, wealthy liberals living in the affected area have set up a GoFundMe to stop the project which has already hit $80,000 of its $100,000 target.

Things are certainly not any better in Los Angeles.

According to the same report mentioned above, L.A. has nearly twice as many homeless people as San Francisco

Los Angeles has the second largest population of people exploring homelessness, according to a new report.
The LA area contains 55,200 homeless people, according to data released by the Bay Area Council Economic Institute.

The homeless population in L.A. has surged 75 percent in six years, and this has happened during a time when the economy has been relatively stable.

Millions of people are leaving California and never looking back because of the utter hellhole the entire state has become.

Further up the coast, the city of Seattle is experiencing similar issues.  Not too long ago, a veteran Seattle reporter named Eric Johnson produced an hour-long documentary entitled “Seattle Is Dying”, and if you have not seen it yet I would strongly recommend taking the time to watch it.

Since it was first released, it has been viewed almost 2 million times on YouTube

In the past two weeks, Seattle Is Dying has garnered 38,000 shares on Facebook and nearly 2 million views on YouTube. The report has clearly resonated with anxious, fearful, and increasingly angry Seattle residents. Exhausted by a decade of rising disorder and property crime—now two-and-a-half times higher than Los Angeles’s and four times higher than New York City’s—Seattle voters may have reached the point of “compassion fatigue.” According to the Seattle Times, 53 percent of Seattle voters now support a “zero-tolerance policy” on homeless encampments; 62 percent believe that the problem is getting worse because the city “wastes money by being inefficient” and “is not accountable for how the money is spent,” and that “too many resources are spent on the wrong approaches to the problem.”

One of the moments in the documentary that really touched me was when a concerned resident described how drug addicts have been leaving needles and human waste in the graveyard near his home.  The homeless have erected tents all around the graveyard, and he can clearly smell urine whenever he walks down the streets.

He would like to fix things, and he is fed up enough that he has decided to run for city council.  But he is facing an uphill battle, because Seattle has been entirely taken over by socialists.  The following comes from Mac Slavo

The entire video is about an hour long, but it is pretty easy to see where Seattle continues to go wrong. A heavy tax burden, regulations that push out businesses, and a power-hungry group of totalitarian sociopaths have been slowly eroding the city. The decay of Western civilization can be seen up and down the entirety of the West coast. Some say it’s by design, others disagree. But the commonality is that all of the cities are being pushed into poverty by illusions and lies of socialists. Calling Seattle anything other than a leftist’s paradise would be inaccurate. The city has all of the laws the socialists want, yet it’s killing itself because of it.

In life, the decisions that we make have consequences, and San Francisco, Los Angeles and Seattle are now experiencing the consequences of decades of incredibly foolish decisions.

Socialism does not work but those who attended Bernie’s speech this week unaware-perhaps a week in one of these cities or Venezuela might provide some valuable lessons for them.



Yours in Self Reliance,

Bruce ‘the Poor Man’


“A dull knife will hurt you worse than a sharp one.” Those words of wisdom came from my father when I got my first pocket knife as a little boy.


Social Chaos Survival Guide: Savvy Precautions To Make You Self-Reliant

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 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.

Useful Resources


You Can’t Buy Life Insurance After You’re Dead-Prepare NOW for Emergencies…

Finally, grab an emergency power cell or solar/battery radio weather radio!

Having the Patriot Power Cell on-hand for emergencies keeps your essential electronics up and running in case you need to call for help. 

“The Cell is a workhorse of power — it’ll charge your phone soup to nuts 3 to 8 times… I think of the Patriot Power Cell as “everyday prepared.” Awesome for travel or avoiding inconveniences while saving your bacon in an outage. It’s a MUST HAVE for your survival lineup."

10,000 mAh Battery/Water Resistant/2 LED Flashlight/1.5 Watt Solar Panel/6-Hour Charge Time

In stock again!

Support our efforts by shopping my storefront…