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Showing posts with label offshore yourself. Show all posts
Showing posts with label offshore yourself. Show all posts

Tuesday, August 30, 2011

Offloading US Jobs, Make the Most of Meals, Uses for Aspirin


Bruce’s Poor Man Survival Bulletin

A Digest of Urban Survival Resources


ISSN 2161-5543



In This Issue:

1.        Learn how to make the most out of meals

2.       Unusual uses for Aspirin

3.       Now it’s Offloading, not Offshoring of US jobs

4.       Freelancers miscounted, shortchanged

5.       Buy foreign currency easily




“In religion and politics, people’s beliefs and convictions are in almost every case gotten at second hand, and without examination.” — Mark Twain





  Weathering the Storm(s) by stocking up before disaster strikes


   With every disaster, the nightly news is filled with clips of people raiding their local store for food, water and batteries, often emptying shelves within hours.  It would seem many wait until the last minute to stockpile emergency items. Why is that?


While more people are starting to stock pile food in their homes,  the dollar has lost more than 500% of its value since 2001, making food an ever more expensive commodity.


The potential for food riots in the U.S. – and some experts have predicted they'll start occurring before the end of 2012 – does not have to leave you hungry. Start preparing now and you can weather the rising food prices and potential food shortages.


Build up your own food storage system. Take the right approach, it's actually pretty easy and it doesn't have to break the bank. Start by storing enough food for one month. At a bare minimum, each person in your family needs 1200 calories a day... 1500 would be better.


During your next grocery trip, begin buying extra shelf-stable foods that you can stock in your pantry or your garage. My preference is for canned foods. The main reason is that canned foods contain water, so if the water supply is disrupted or limited, you'll still be able to eat from your food stores and the foods you're eating will help to keep you hydrated.


Shelf life for foods of more than a year include bouillon, instant cream, nuts, cereals, and hydrogenated (or antioxidant treated) fats/vegetable oil. Vegetable oils last longer than lard or similar products and are better for you health-wise. Olive oil lasts the longest and may be used after several years if care is taken to keep it cool and away from exposure to the light.


Unprocessed grains give you the most nutritional calories for your money. And when they are stored properly, they last almost forever. This makes them ideal for many people who have the space to store them. At the time of this writing it is possible to buy enough food to feed a family of four for one year (or more) for just a couple thousand dollars (or less).


In previous issues we’ve suggested stocking up on weekly staples that go on sale, finding local grocery outlets such as Save-A-Lot, joining the popular warehouse clubs and creating your own buying cooperatives with like-minded friends and families.  For very long term storage, MRE’s (Meals Ready to Eat) are useful but not cheap.  You can find similar items, including freeze-dried foods at sporting goods stores where camping supplies are found and online at specialty outlets and even on eBay (visit our PoorManSurvival.com site to find these resources - click on the Preparedness tab).  Another source:  www.efoodsdirect.com



Better to be the ant than the grasshopper of the old Aesop Fable fame!



Use chewing gum to patch a hose.  Works well enough the hose will most likely never leak again.  Chew a stick of sugarless gum and place it over the hole and flatten to fit tightly.  Let it sit for a day or so.  During WWII, soldiers fixed flats on jeeps with this.



PM’s Compendium of Useful Resources



Learn Techniques to Make the Most Out of Your Meals

Some cooking techniques like braising and slow cooking are very cost-effective and simple, producing flavorful meals; you can tenderize extremely tough—and inexpensive—cuts of meat with these techniques.

Make the Most Out of Cheap Proteins

The biggest cost savings you find may be on proteins, especially with today's rising meat prices. If you're not a vegetarian, the meat portion of the meal could very well make up the majority of your grocery budget (thus, it also follows that you can make the most out of your food budget by switching to a flexitarian diet or just eating a meat-less meal every once in a while).

Learning a few cooking techniques to enhance even cheap cuts of meat can help you turn a $5 steak into a $50 steak, so to speak:





Find the best rebates at:  RebatePlace.com or PriceGrabber.com or SalesCircular.com



Aspirin - the wonder herb


The bark of the willow tree is rich in salicin, a natural painkiller and fever reducer and in the 3rd century, Hippocrates used it to relieve pain.  Felix Hoffmann, a chemist from the German firm, Bayer, developed a modified derivative of it which became known as aspirin.  Native Americans used herbs containing salicin to treat colds and flue.  It’s truly a wonder drug.



A few unusual uses for aspirin:



>Revive a dead car battery by dropping two tablets into the battery itself.  The acid will combine with the battery’s sulfuric acid to produce one last charge.



>Some gardeners grind it up to use as a rooting agent, or they mix it with water to treat fungus conditions - typical dosage would be one aspirin to one quart of water.  Also, drop a tablet into the water of cut flowers to prolong their fresh look.



>Clear pimples by crushing an aspirin with some water and apply to the pimple and let it sit for a minute or so before washing off with soap and water.  Repeat if needed.



>Soften hard calluses on feet by grinding six tablets into a powder.  Add a ½ tsp. of lemon juice and one of water, then apply the mixture to the affected area and wrap in a warm towel and cover with a plastic bag.  Stay off your feet for ten minutes, remove the wraps and file the callus with a pumice stone.



Shop Online with Virtual Credit Card Numbers

Disposable everything - disposable credit card numbers. It's hard to track someone using a different number every time, and it's even harder to steal their identity. If you're concerned about the safety of an online retailer but are willing to take the risk, virtual credit card numbers (or single-use numbers, as they're sometimes called) can help you isolate transactions and easily prevent fraudulent activity. Not every bank/card provider offers this service, but call and see if yours does. It can be really helpful when you need it.

You can even get disposable email addresses through Yahoo.com



Buy Foreign Currencies Easily

This is not an ad for Everbank (everbank.com), but I thought you should know that it is easier than ever to invest in a foreign currency. So if you are worried about the destruction of the U.S. Dollar, check out their options. They have FDIC-insured CDs in a variety of currencies. Of course the FDIC insurance covers the even of a bank failure, and does not protect you against the fluctuations in value, so you definitely can lose money if the dollar rises against the currency you put your money into. At the moment, I like the Brazilian Real, which has done well against the dollar this year.

Source: Steve





If you’re a coupon clipper, clip some for pet food, toys and treats and donate them to your local animal shelter.

 



The Nanny State Updates…


The Fed already holds more than $1 trillion dollars of U.S. treasuries - that's more than 70% of all outstanding debt - making it the largest lender to the U.S. in the world.

"The U.S. government has to come to terms with the painful fact that the good old days when it could just borrow its way out of messes of its own making are finally gone," China's official Xinhua news agency said in a commentary.

Xinhua scorned the United States for a "debt addiction" and "short sighted" political wrangling. China, it said, "has every right now to demand the United States address its structural debt problems and ensure the safety of China's dollar assets."

FREELANCERS UNION SAYS INDIE WORKERS MISCOUNTED, SHORTCHANGED

For many years now, the (U.S.) government has underestimated independent workers and their importance to the economy, many experts agree. The Bureau of Labor Statistics, the SBA and others charged with measuring businesses and workers have fallen behind rapid changes wrought primarily by the Internet.

For example, as a recent Businessweek piece notes, even “[t]he number of so-called contingent workers hasn’t been measured since 2005, when the Bureau of Labor Statistics last calculated the population.”

Sara Horowitz, whose
Freelancers Union numbers 160,000, wants more accurate definitions and measuring of contingent workers. She also makes the excellent point that health and unemployment insurance should cover independent workers, too.

As we often preach here, the U.S. economy needs to emphasize entrepreneurship at LEAST as much as it does jobs. (Middle-class jobs are disappearing!) If we don’t, the global economy will leave us behind the way we once left it behind. Counting indies accurately and supporting their critical role are important steps in that direction.

For more, see the
Businessweek article and the Freelancers Union website.




Public services are staggering under the weight of 43 million hungry dependents now on food stamps, millions more exhausting their unemployment checks in addition to the masses who are foolishly relying on bankrupt public retirement programs and medical services to be there for them. With government finances teetering on the brink at all levels, it all adds up to mega-potential for civil rebellion from the dependent class.

Use lip balm to fix a stuck zipper by rubbing it up and down the teeth of the zipper and then work it in with your fingers.



The Parting Thought - Offloading US jobs, the new trend



DejaView: Recession II with no end in sight…

 



A smaller share of men have jobs today than at any time since World War II

As President Barack Obama puts together a new jobs plan to be revealed shortly after Labor Day, he is up against a powerful force, long in the making, that has gone virtually unnoticed in the debate over how to put people back to work: Employers are increasingly giving up on the American man.


If that sounds bleak, it's because it is. The portion of men who work and their median wages have been eroding since the early 1970s. For decades the impact of this fact was softened in many families by the increasing number of women who went to work and took up the slack. More recently, the housing bubble helped to mask it by boosting the male-dominated construction trades, which employed millions. When real estate ultimately crashed, so did the prospects for many men. The portion of men holding a job—any job, full- or part-time—fell to 63.5 percent in July—hovering stubbornly near the low point of 63.3 percent it reached in December 2009.


 These are the lowest numbers in statistics going back to 1948. Among the critical category of prime working-age men between 25 and 54, only 81.2 percent held jobs, a barely noticeable improvement from its low point last year—and still well below the depths of the 1982-83 recession, when employment among prime-age men never dropped below 85 percent. To put those numbers in perspective, consider that in 1969, 95 percent of men in their prime working years had a job.


While off shoring of US jobs has been a major contributing factor to job loss, another factor is now in place, that of offloading - cutting jobs while dumping the work onto the remaining staff.  According to a report in the Wall Street Journal, more than half of all workers surveyed said their job responsibilities and hours have expanded, usually without a raise or bonus.


US productivity increased in 2008, 2009, and again in 2010 - workforce down, productivity and profits up (by 22% since 2007).  What’s been good for corporate America, has not been good for workers.  Everyone is working harder, running in place twice as much but without the rewards.  Predatory corporations also pay less taxes than 20 years ago.  Is it any wonder why this country is in trouble?

Yours for surviving tough times, the Poor Man. 

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A Shallow Planet Production

Sunday, April 25, 2010

Americans Offshoring Themselves for Med Treatments, Make a Quick Buck

Poor Man’s Recession Bulletin
Your Choice for Usable Information


In This Issue:

· Americans ‘offshoring’ themselves for medical care & more
· Make a Quick Buck!
· Top 5 Consumer Problems
· Get a free lawyer to fight collection abuse
· Gee…most citizens don’t trust Washington
· Tips, Tricks & Resources to save money




“Other things may change us, but we start and end with
family."
-Anthony Brandt

Detroit Looks Like a War Zone

Last Sunday Dateline aired a report on Detroit hosted by Chris Wallace, an area native. It’s worse than I thought, although I must admit, I avoid Detroit (I even avoid their airport when possible). A few weeks ago I reported on a plan to literally bulldoze about a 40 square mile are of the city. After viewing the report, I’m more in favor of that concept. The city has been abandoned over the decades by the auto industry and most white people, leaving it to gangs (both street and political) to fight over the carcass.

Detroit, in many ways, is a snapshot of what is wrong with the country. Political vultures more interested in lining their pocket rather than serving the people they were elected to help. Corporations don’t give a damn about their community and ship jobs to Mexico or China (their excuse is cheaper labor, but it’s rare to see lower prices, especially with cars).

Speaking of cars. Want to make a quick buck? Used cars are scarce in the Motor City as people are hanging onto them longer and asking high prices for them. Auto ads in the area feature primarily new cars or very late model cars at inflated prices.

Quick buck II – No doubt you’ve heard about the early retirement program for attorneys called the class action lawsuit but did you know you might be entitled to some free stuff as a result of those proceedings? In many instances, the losing business must repay customers through freebies or discounted merchandise and services. Check this free site to learn more about these settlements:
www.ClassActions.com


There’s a new network of consumers who buy products in order to reward businesses who are making the most of socially responsible (certainly won’t include Consumers Energy of MI which DOES NOT offer home energy audits) decisions…check it out at:
www.carrotmob.org






Tips, Tricks, Resources, Money Savers

· Refrigerators are usually the most energy hungry appliance in the home. If your fridge is more than 10 years old, might be wise to replace it, View the American Council for an Energy Efficient Economy which offers ratings. www.acee.org

· More than 200,000 Americans traveled abroad for healthcare last year. Cost of care abroad is usually a fraction of US costs. Example: A heart bypass here costs an average of $125,000 while in New Zealand, it is only $38,000. Dental work in Mexico is dramatically cheaper than Arizona (7 miles west of Yuma in Los Algodones, there are 350 practicing dentists who speak English and charge 70% less)…500,000 Americans visited India for treatment; 410,000 went to Singapore. Most foreign doctors are trained here. The average cost for full health insurance in Costa Rica is about $95 a month for two adults (again, US trained doctors). Resources: www.medretreat.com, www.medicalnomad.com, www.patientswithoutborders.us

· Share large files easily & free with…use Drop.io or YouSendit.com
· Free office tools – get free invoicing at billingboss.com, custom software and tools from Google Pack, pack.google.com, free customer relation management software at freecrm.com or www.getdoorbell.com
· Find out what auto repairs really cost at: www.RepairPal.com
· Turn snacks into money. Raise money for your school or favorite charity by recycling. Sign up for free at TerraCycle.net, and you can collect yogurt cups, candy wrappers, cookie packages and more & use their pre-paid postage to send them in.
· Find more free software (reliable) at: CNET – www.download.cnet.com
· Win $50,000 savings bond for your child – Got any young scholars at home in grades 5-8? Visit YoungScientistChallenge.com – it will show them how to create a short video varied science concepts for a chance to win one of 51 regional prizes, one of 10 trips to NYC & the chance to compete in the finals for the $50K. Deadline is 5/27/2010
· Keep flashlights ready to use…batteries, when stored in your flashlight will drain so store them with one battery turned around so it doesn’t make contact.
· Stuck without a D battery? Put a C battery in the slot and add 3-5 quarters to mimic the size of a D.
· Make a mini greenhouse by saving the clear plastic containers with attached lids you get from the salad bar or supermarket to serve as a hothouse for seeds you start indoors. Fill halfway with potting soil & add seeds and water. Put the lid down and set in a sunny windowsill until the seeds begin to sprout.

Finally, avoid speed traps (every state and city is on the hunt for more revenue) by going to these sites before you begin your road trip.
www.SpeedTrap.org
www.Trapster.com
www.Njection.com


Debt Settlement: Fraudulent, Abusive, and Deceptive Practices Pose Risk to Consumers. PDF report to Congress from the GAO
http://www.gao.gov/cgi-bin/getrpt?GAO-10-593T
Highlights - http://www.gao.gov/highlights/d10593thigh.pdf

Got a tip or resource? Share them with us & we’ll provide you with a link to download any of our special Poor Man reports free of charge!



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Make Your Own Energy
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FREE-30-page PDF saves an average of $175 per month or $2000 annually – Not getting this is like leaving money on the table.

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News Roundup

The remedy is often worse than the disease…

"Politics has poisoned the well."

Poll: 4 out of 5 Americans don't trust Washington
America's "Great Compromiser" Henry Clay called government "the great trust," but most Americans today have little faith in Washington's ability to deal with the nation's problems.

Public confidence in government is at one of the lowest points in a half century, according to a survey from the Pew Research Center. Nearly 8 in 10 Americans say they don't trust the federal government and have little faith it can solve America's ills, the survey found.
http://news.yahoo.com/s/ap/20100419/ap_on_go_ot/us_government_distrust



Rumor Control Sites Provide the Facts

In a given week, Snopes tries to set the record straight on everything from political smears to old wives’ tales. No, Kenya did not erect a sign welcoming people to the “birthplace of Barack Obama.” No, Wal-Mart did not authorize illegal immigration raids at its stores. No, the Olive Garden restaurant chain did not hand out $500 gift cards to online fans.

Snopes is one of a small handful of sites in the fact-checking business. Brooks Jackson, the director of one of the others, the politically oriented FactCheck.org, believes news organizations should be doing more of it. Put them on your favorites!
<<<>>>


The Top Five Consumer Problems and How to Avoid Them

If you know where potential problems lie, they should be avoidable. That’s the apparent logic behind the Federal Trade Commission’s Report of Top Consumer Complaints. Every Spring, the FTC puts out a list of the top reported sources of consumer problems. But it normally doesn’t get a lot of national media attention, and that’s too bad. Because if we all took the time to understand the problems represented on this list, we’d be much less likely to become victims. For the full list, go to:

http://www.moneytalksnews.com/2010/04/06/the-top-five-consumer-problems-and-how-to-avoid-them/


After spending two years clipping and saving through the use of coupons, Kasey Trenum and Kelly Thompson have started teaching others how to do what they do through day long workshops, says the Chattanooga Times Free Press.

The Time 2 Save workshops teach the concept of creating a pantry stockpile by buying enough of an item while it is at its lowest price, then waiting until the item goes on sale again 10 to 12 weeks later to replenish the stock.

“Right now, when you need to go to the grocery store, you make a list then you go, but you’re tied to your list,” Mrs. Trenum explained. “Now whether salad dressing is $3 or whether it’s $1.99, if you need it, you buy it.
“I buy it when it’s 19 cents and I don’t buy it again until it goes on sale, and that’s the way our bill is like $30.”

The appeal of saving money led Flintstone, Ga., resident Tammy Thompson — who isn’t related to Kelly Thompson — to attend a workshop in early February. The 42-year-old said she knew she was about to lose her job and she needed to find a way to save money.

Since taking the course, Tammy Thompson said she has saved “a tremendous amount of money” and has a new perspective on the grocery store. Before the class, she didn’t keep many groceries inside her home and would instead eat out with her husband for almost every meal.

She said her husband was skeptical at first, but after seeing their grocery bill cut in half and the abundance of food now in the house, he’s just as excited as she is.

She said she has gone shopping twice since the class, and both times her bill was about $75 to $80 for two weeks’ worth of food, plus stockpile items.

….Thank you Sarah for this tip!

You have great resources and I wanted to let you know about one - This page, http://www.gogoshopper.com/resources/frugal-living-resources.html has some great information and resources on living frugally and the site has some great coupons that would make a nice addition to your page if you are interested.

>>>>>>>


Abused by a Debt Collector? Get a Free Lawyer

Owning more than you can pay is bad enough. Being badgered, hounded and abused by a debt collector can make your life a living hell.

But if you ever find yourself harassed with dozens of phone calls daily, here’s something you should know. You don’t deserve to be treated like a doormat nor should you tolerate it. More important, if your legal rights are being violated, you might qualify for free legal help to make it stop.

The Fair Debt Collection Practices Act stipulates what third-party debt collectors can and can’t do when trying to collect. In 2009, the FTC received almost 120,000 complaints about third-party debt collectors: an increase of nearly 50% from 2008. The two most common complaints were phone harassment (34.7%) and obscene, profane or abusive language (13.5%), both violations of the law. And the FTC is taking violations seriously. For example, just yesterday they issued this press release about a million dollar fine levied against one national collection agency.

What should you do if you’re being bullied? First, meet someone who took the bull by the horns: Michelle Vizzini. This Philadelphia woman woke up one morning to find her bank account frozen at the hands of a debt collector for a 13 year old debt she says she doesn’t owe. More at: http://www.moneytalksnews.com/2010/03/03/dealing-with-debt-collectors/



Parting Thoughts & Cheap Shots

Cheap Credit Ending for Americans?!

Even as prospects for the American economy brighten, consumers are about to face a new financial burden: a sustained period of rising interest rates.
That, economists say, is the inevitable outcome of the nation’s ballooning debt and the renewed prospect of inflation as the economy recovers from the depths of the recent recession.

The shift is sure to come as a shock to consumers whose spending habits were shaped by a historic 30-year decline in the cost of borrowing.

“Americans have assumed the roller coaster goes one way,” said Bill Gross, whose investment firm, Pimco, has taken part in a broad sell-off of government debt, which has pushed up interest rates. “It’s been a great thrill as rates descended, but now we face an extended climb due to our ballooning deficit and out-of-control government spending binge.

But I do ask myself, when was credit ever cheap? With the possible exception of mortgages, credit card interest rates were always exceptionally high – beyond usury or even Mafia rates.

With the end of cheap credit comes the end of our economy as we knew it, consumer excess will probably vanish and as I reported in previous issues…there will be a rise in use of barter, land contracts, community currency, etc. Indeed, many citizens are preparing to leave the US as indicated in a recent survey…

Record Number of Americans Ready to Flee

In a survey of readers on March 22, 2010, InternationalLiving.com found that nearly 96% of respondents said they are more likely to move out of the United States than they were last year.

More than 500,000 readers of the company’s free Daily E-letter were asked a single question: Are you more open to moving outside the United States than you were 12 months ago?

A stunning 95.6% of those who responded said they were now more willing to make the move and leave the U.S. Sort of an OFFSHORING of ourselves. Hell, Wall Street doesn’t want any US consumers of their goods anyhow.

I know you’ve heard all of us encourage everyone to stockpile silver US coins and/or gold but even precious metals markets are being manipulated by Wall Street and other speculators…watch for oil to continue climbing despite lower US consumption so as I always say – it’s time for another revolution folks!

Join me at my ranch in Costa Rica!

Oderint, dum metuant

Yours for better living – Bruce “The Poor Man”
http://www.PoorManSurvival.com

A Shallow Planet Production