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Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Monday, November 30, 2015

Fewer Crowds, Fewer Dollars, Fewer Freedoms in 2015



Poor Man Survival
Self Reliance tools for independent minded people…

ISSN 2161-5543

A Digest of Urban Survival Resources

“I need more frugality. I wonder where I can buy some.”
Jarod Kintz



Fewer Crowds, Fewer Freedoms, Fewer Dollars…

There was a pushback among some consumers and retailers this year against being open for business on Thanksgiving Day and the so-called Black Friday in general and it worked….there were fewer crowds at the malls.

This was due to an increase in online shopping and the fact there are fewer Americans with extra money According to a survey by the National Retail Federation, Black Friday attendance was down over 3%, from 58.7% last year to 55.1% this year.

The survey noted that the average shopper was expected to spend $380.95, which was down from $407.02 the previous year. According to the group’s estimates, sales slipped from $57.4 billion to $50.9 billion.

“A strengthening economy that changes consumers’ reliance on deep discounts, a highly competitive environment, early promotions, and the ability to shop 24/7 online all contributed to the shift witnessed this weekend,” said NRF president and CEO Matthew Shay.

I read a report in Time magazine that even auto dealers are now pushing six and seven year loans or leases and Americans are becoming ‘upside down’ auto loans just as they did with mortgages!




Wall Street, fearful that consumers are running out of cash heading into the crucial Christmas retail season, are selling off retail stocks and everything else sensitive to consumer spending.
So why are consumers running out of cash?

Well, as I’ve reported before, it is because the middle class is dying, poverty in America is exploding and the cost of living continues to soar.

Just look at what is happening to healthcare costs.  It turns out that employees that work for medium and large companies in the U.S. are now paying more than double for health insurance than they were a decade ago…

Employees of midsize and large companies in 2015 paid an average of $4,700 for their health insurance, up from $2,001 in 2005, according to recent analysis from Aon Hewitt.

Consumer Reports released its annual 2015 Naughty & Nice List    
Firms such as FedEx, UPS, CitiBank, Sprint, Verizon, LifeLock and many other well known names made the list again…check it out:   




America Falls – Again
The last time I wrote about this, the United States stood at number 13, now we stand at number 20…if you’ve found yourself feeling less free you’re right!  A new report published last month that measures and ranks how much personal, civil and economic freedom there is 152 countries shows bad news for the US – dropped again to number 20

Believe it or not,  Hong Kong and Switzerland, Finland, Sweden, Norway, and the Netherlands took  top spots on the Human Freedom Index


How I went from being a millionaire to nearly broke-a spouse who thought nothing of blowing $1,000 a week or so on gifts to buy friends and office workers, while forgetting household bills…[at least that was my experience]


Income inequality has become a key hot button issue in the modern day political spectrum. While these economic and class divides seem more pronounced than ever before, the impressive new documentary Plutocracy: Political Repression in the USA reveals that the core of these struggles pre-date the beginnings of the industrialized labor force. The long and painful journey towards achieving worker rights and fair wages has been marked by violence, discrimination, and inhumane exploitation.


Great projects from the World Maker Faire in NYC including:  the Creature Choir which has 12 disembodied heads, a Fire-breathing 30-foot tall robot made from discarded airplane parts, Fortunetron 7000, an automated fortune teller that pulls your fate from the Internet and more!  I’m seeking help for my project:  the creation of beautiful female automatons and androids!



·  How to Buy a Christmas Tree
A tree grower shares his secrets
 
·  Does your debt have an expiration date?
What does the statute of limitation mean for debt? Find out how this law protects you



A Parting Thought…
Situational Awareness…or the lack of is the number one reason citizens get into trouble.  One of the priorities I was taught in the military was to be aware of your surroundings at all times.  Few people today seem to have any awareness.  Instead, they have their head buried in their cell phone, walking and talking or texting, often to the point where they can be easily robbed or injured…just plain stupid and pointless.  Wake up America and pull your head out of your ass!


Yours for better living,
Bruce, the Poor Man


Books, Art, Video – the saucy, the odd, the retro, even the practical…support our vices




A Smoking Frog Feature from…
A Shallow Planet Production

Thursday, October 9, 2014

How to Stop Being a Debt Slave


Poor Man Survival

Self Reliance tools for independent minded people…

 


 

ISSN 2161-5543

A Digest of Urban Survival Resources

“Some debts are fun when you are acquiring them, but none are fun when you set about retiring them.”
-Ogden Nash

 


 

You’re Never Too Old to Be Debt-Free

 by Diane Smith

 

We are both in our 70s and are just finishing our home that was built out of pocket with no debt.

 
We were fortunate to have purchased our lot as a package deal when we bought and built our former home. This lot — 2 3/4 acres with a well and septic — came with the deal. We had to purchase both lots or nothing. We let this lot sit for about 10 years while we finished the other home. This time we wanted no debt so decided to build as we went.

 
We sold our former home too quickly and had to move into our new house way too early. It was just a shell. We stayed in a hotel for the first two weeks while we got some plumbing done.

 
We decided on a log home and bought our logs from a mill down the road that was milling "beetle kill" logs. We paid $4,500 for the total package. Each square log had to be routered (to accept chinking) and set into place. We used a "cherry picker" that my husband rigged with a small motor to help us lift our logs into place. Some were more than 20 feet long. It worked quite well for us. The two of us put the entire two-story shell up alone.

 
We have built the entire home by ourselves over the past six years, metal roof and all. Our kids have come down some weekends and helped with some of the heavier jobs.

 
Our two-story home measures 30 by 20 feet — just under 1,450 square feet. It has two bedrooms and a bath upstairs, as well as a great room, kitchen and bath downstairs.

 
We have spent approximately $50,000 finishing our home. It is still a work in progress, but nearly finished.

 
We live in rural Alaska and do not have to deal with building codes or building inspectors, so that is a big plus for us.

 

“I’m in debt. I am a true American.”
-Balki Bartokomous

 

At our age, we probably would not do this again, but it has certainly been an interesting journey. We live a better life without a mortgage hanging over our heads.

 
Unless you have unlimited funds (rare these days), my advice to anyone building as we did is to be prepared to camp out in your home for an extended period of time. Be patient when you are still installing all your plumbing and have to wash your dishes in your bathroom sink because the kitchen is not ready. Learn to live with particle board on your floors until you can get carpet or tile down. (We stained the particle board to be able to scrub it). Enjoy your particle-board countertops (we used three coats of varnish). They work great until the permanent tops are installed.

 
Each new addition to the house is a joy. Not everyone would do this, but if you can live in the mess of construction, the joy of a debt-free home is worth every day of building.

 
Excerpted from MOTHER EARTH NEWS, the Original Guide to Living Wisely. To read more articles from MOTHER EARTH NEWS, please visit www.MotherEarthNews.com   © 2014 by Ogden Publications Inc.

 

 

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 Banks are hunting for new sources of revenue, so bank fees are rising and free checking is increasingly hard to find. But there are ways to avoid paying so many bank fees.
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Another batch of home grown goodies for you!

Homemade Massage Oil

I work in a gym with massage therapists. I was talking to one of them about what kind of oil she uses for massage. She told me to avoid using baby or mineral oil as it can clog pores. She uses a very light olive oil mixed with a bit of more expensive massage oil or scented essential oils.

 


 




 

Find More DIY and Homemade ideas here:


 

 


How to Get Out of Debt & Prosper

 

Grab our Useful Library of How-to Reports to Reboot Your Income

 

67 Real Companies That Hire

The Company Promo Report

How to Survive a Job Loss

Urban Survivor-45 Ways to Make a Living - Without a Job

Escape the Rat Race

How to Prosper – 3-Volume Set

Recession Recovery System

Debt Beater System

Develop Your Financial IQ

 
Plus many more – 67 in all!  Format=DVD  $10.95 ppd.  Beats being broke!

 Go to our main page and scroll down a bit:


 

Yours in freedom,

Bruce ‘the Poor Man’

 

Got a News Tip or Resource to Share With the Poor Man?


 

A Shallow Planet Production