Category: THE ECONOMY & ENVIRONMENT
How man uses the planet for either self-serving financial gain or for sustainability impacts our environment. It in turn determines the survival or destruction of earth as our ecologically based home.
Money, A Government Commodity
Introduction
In addition to the inequity of money is the fact that many of us no longer have enough income or savings to live the traditional life we grew up with or used to have. In other words, we are no longer Middle Class Americans. We are part of the Poor Middle Class Crisis. Many of us are in debt. Many of us baby boomers are now seniors and beyond significant employability.
The most devastating causes of the loss of one’s money can be a serious illness, a death, the termination of a good job, as well as storms and earthquakes. A significant economic downturn can scoop up more of the Middle Class and deposit us, like yesterday’s trash, into the heap of The Poor Middle Class. Some people ended up in the depths of poverty and homelessness from the horrific hurricanes of 2005 and 2012 and the stock market crash of 2008.
Learn more about The Poor Middle Class Crisis and our story in the Poor Middle Class Crisis eBook available on Amazon.com, the introductory facebook page of the same name and the companion facebook resource, support group, Financial Survival Resources for The Poor Middle Class.
Time For A Change
Here is an introductory video to the homesteading life, Off Grid with Doug and Stacy.It is time for a change, a paradigm shift to a new kind of economy. We need an economy that offers alternatives to money as its foundation. We no longer have a large Middle Class or the ease to be part of it. Our government’s focus has shifted. We have a growing Poor Middle Class and increasingly fewer people in possession of the government produced money.
If the economic paradigm does not shift, this is the direction we are headed in. Many people will have to live like slaves. They will continue to have to work two and even three minimum wage jobs. Even then, they may barely make enough money to survive. Also, they may still need government assistance, like food stamps to make ends meet and health insurance to survive.
Disastrous Results From Uneven Distribution of Government Money
If people are not fortunate enough to find work, are not able to work, can’t support themselves or their families and cannot get enough government assistance, they may also become homeless. The number of homeless people in this country is also increasing. One of the changes that needs to take place does not involve going backwards.
The problem will not be solved by increasing jobs in outmoded technologies that will be short lived and not provide health insurance. It will also not be solved by the government’s shifting money around where even less goes to the needy and more goes to national defense. As we know, the haves will rarely give enough to help the have-nots unless they are forced to. It does not look like the current administration is of the mind to force the very wealth to do so. This would require a substantial tax restructuring. This is not going to happen, either. Therefore, what is required is a completely new kind of economy.
Exempt From Disaster
The ultra-wealthy 1% and other very wealthy people might be exempt from needing to be part of this paradigm shift. They could keep their money. In fact, they would continue to monopolize this government commodity. But for those of us who suffer from the lack of money and the results of the unwillingness of the wealthy to share theirs with us, we need a system for The Middle Class, The Poor Middle Class and The Poor to rely as little as possible on government controlled money. As the saying goes, ‘the solution is not in the problem’.
Alternatives To A National Government Money Based Economy
I believe that we are in the beginning of this paradigm shift. Money is becoming harder to come by for too many of us. Therefore, we need to be less dependent on it. As a matter of fact, cash produced by our government is much less involved in our daily goods and services transactions. Here are some of the ways this has already changed:
• Community currency or local currency is defined by Wikipedia as “In economics, a local currency is a currency that can be spent in a particular geographical locality at participating organisations”.
• Bartering all kinds of food and products (on an individual or community cooperative basis) The Barter Network
• Acquisition without money such as foraging for food, using natural sources of energy, street find, reuse of existing found materials, scavenging for food and other usable items
• Homesteading and off grid living as close to what nature can provide with a bare minimum of cash to live such as Off Grid with Doug and Stacy
• Bitcoin is a digital, international coin system not produced by the US government
Conclusion
This is just the beginning of opening the doors and windows of the proverbial ‘thinking outside the box’. Paradigm shifts do not take place overnight. They only appear to in an historical perspective. We do not have that perspective, yet. This movement is much too new. But the good news for many of us is that is it a is happening and it is in its beginning.
Sources & Resources
The Viper Tool Storage Company
The Poor Middle Class Crisis eBook
Financial Survival Resources for The Poor Middle Class
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Senior Suburban Survivalism
Introduction
Senior suburban survivalism has become our new way of life. The purpose of this blog post is to explain what this new way of life or lifestyle is. I also detail our need for it. In addition, I explore this lifestyle so that the knowledge of survival tools is made available to others members of The Poor Middle Class. I want to inspire hope in others who are in the same or similar financial situation to us. Learn much more about The Poor Middle Class on earlier posts of my blog and in the chapters of The Poor Middle Class Crisis eBook.
Surviving In A Middle Class Suburban World As Part of The Poor Middle Class
Because we are part of The Poor Middle Class, life has become increasingly challenging for us. As seniors aka boomers and part of The Poor Middle Class, we have had to find new lifestyle tools to survive in suburbia. We strive for a good life in spite of our limited financial resources. We are proud because we are rich in resourcefulness and hope.
Both senior suburban survivalism and homestead/off grid living have contributed to our new life. By preference, we are adopting lifestyle changes that are intrinsic to homesteading and off grid living. By necessity, we have become suburban survivalists. In fact, one could say that Senior Suburban Survivalism is a new alternative lifestyle for suburban members of The Poor Middle Class. We are learning to balance these alternate lifestyles to create a new life that is affordable and that works for us.
What Is Survivalism?
Survivalism is defined in Wikipedia as “. . . a movement of individuals or groups who are actively preparing for emergencies, including possible disruptions in social or political order, on scales from local to international.” Preparation tends to involve the ability to live in rustic, primitive conditions. It can include altering one’s relationship to the political, social and economic establishment.
For The Poor Middle Class, serious disruption to our social (economic) order has already taken place. It means that we are no longer middle class financially. But we still live in a Middle Class material world. There are steep financial requirements to live comfortably and securely in that world. But they are beyond our reach.
Additionally, the current political climate may cause our social order to be disrupted even further. Be that as it may, there are aspects of survivalism as well as qualities of homesteading and off grid living that we are applying to our suburban, poor middle class lives. Out of necessity, we have become suburban survivalist. Out of desire, we are also adopting homesteading and off grid living qualities. Our hope is that our new formula for living will work even when life is more of a challenge.
Homesteading and Off Grid Living
Homesteading involves living off the land, in a simple and close relationship with nature. Off grid living involves the absence of municipal utilities such as electricity, gas, heating and cooking sources as well as water. This elimination of this dependency is by choice.
Both of these lifestyles sound exciting and romantic to me. But these alternate lifestyles are for younger folks who are more robust than we are. Therefore, a compromise of incorporating homesteading/off grid qualities into our lives as senior suburban survivalists is one way we can live our dream. Below is the video introduction to Off Grid with Doug and Stacy. They are well respected ‘leaders’ of the of homesteader/off grid living community. As you can see from the video, Doug and Stacy have found great joy in their homesteading/off grid life.
Our New Life As Senior Suburban Survivalists
We have been forced into senior suburban survivalism rather than able to chose homesteading/off grid living for two reasons:• our age-the rigorousness life of homesteading/off grid living is for younger folks
• our financial circumstances-we do not have any financial resources to purchase land or materials to create an off grid homestead
In spite of our limitations, we still derive great pleasure from aspects of our new life. Here are ways that we have adopted into our daily lives what we can of ‘the real thing’ as homesteader/off grid type folks:
• Housing-our senior housing is affordable, we have no mortgage to pay and we would be homeless or close to it without this amenity
• Food-the weekly food pantry we get food from has become our personal vegetable garden
• Foraging-local parks and green spaces make foraging still possible in the suburbs
• Traditional food & beverage preparation and preservation-these techniques are totally viable, easy to learn, close to nature, full of healthy probiotics, are frugal and avoid food waste 
• Budgeting-we spend very carefully and as little as possible while sticking to a strict budget
• Acquiring things like Clothes and Furniture-we utilize free resources from our food pantry, our neighborhood, flea markets and thrift stores
Conclusion
I am an eager beginner in understanding what homesteading, off grid living and survivalism are and how we can incorporate them into our lives. I feel that we have embraced the spirit of them and welcome whatever works into our home and lives. So far, we have found that as we simplify and scale down, our lives have become richer and fuller. We look forward to the bounty of adventures and discoveries that lie ahead on this journey of our new life.
Sources & Resources
The Financial Survival Toolkit from Viper Tool Storage
The Poor Middle Class
Poor Middle Class Financial Survival Resources
Definition of Survivalism
Homesteading/Survivalism
Off Grid with Doug and Stacy-Homestead Homies
Living Off Grid for Thirty Years: A Story of Isolation Through happiness
The Secret Shame of Middle-Class America by Neal Gabler
Fifty Five, Unemployed and Faking Normal by Elizabeth White
The Homeless Encampment in Howell, NY.
Ask A Prepper
The Lost Ways
Food Preservation and Fermentation
Survival Food Reserves
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THE POOR MIDDLE CLASS NUTRITION CRISIS
Why This Post Is Called A Nutrition Crisis Rather Than A Food Crisis
The Poor Middle Class Nutrition crisis is due to the lack of healthy, nutritious, especially locally grown food. It is not as much about the availability of food itself. There are plenty of sources for cheap, empty calorie items. But access to affordable, healthy, local food is a the root of the Poor Middle Class Nutrition Crisis. The major food challenges for the Poor Middle Class are:• having access to healthy food
• affording to eat healthy food
• eating enough nutritionally rich food
• staying healthy by being able to eat healthfully
Challenges & Solutions to the Poor Middle Class Nutrition Crisis
The following tools for accessing food have both pros and cons. The one thing they have in common is the added expense of time. Some involve monetary cost. Others are financially free. There is always a trade-off. This can also require a significant adjustment in lifestyle if one is used to supermarket shopping for quick and easy access. Here are some suggested alternatives that are mainstream or government sponsored:• Buy In Bulk
• Use Store & Brand Coupons
• Barter & Exchange Products
• Get WIC & Farmers Market Coupons
• Go To Food Pantries
• Collect Food Stamps
Here are Alternative Lifestyle Means of Obtaining Food
• Grow Your Own from seeds and food scraps-Here is a post about starting a community garden.
• Go Dumpster Diving-This food was retrieved from dumpster diving 
• Foraging for Food is making use of nature’s bounty, free for the taking, with gratitude. Be sure you are a pro or are foraging with a pro. You want to pick healthy not deadly items.
• Farm your own chickens for eggs, cows for milk and goats for milk
• Make Your Own Essentials and Seasonal Treats with fermentation, canning and other wholesome preserving techniques.Here is a great alternative. It is the Afro Jam story. I just love their graphics.
• Kill Your Own Food-This is a controversial but reasonable alternative. It is probably the cleanest source of animal protein, fish and fowl. It certainly is much harder to obtain than at the supermarket. But you know exactly where it comes from. It also brings us much closer to nature in relationship with the animal that has died for us to survive.
The Issue of Hunger
In addition to the existence of a nutrition crisis, there are people who go hungry in this country. Each of these crises is unique. Here is a short list about hunger and health:• hunger is the result of a lack of food
• health is the result of a lack of healthy food
• accessibility and availability are issues
• poverty and homelessness can be a contributing factor
• food waste is a very serious contributor to food insecurity
Sources & Resources
10 Steps to Starting A Community GardenUPDATE: Man Who Broke Into Restaurant, Ate Food, Urinated in Garbage Can Won’t Face ChargesTrump: 43 million Americans on food stamps By Nadia Pflaum from www.politifact.com
Why we should all be ethical carnivours now
Grow Your Own Food from Food Scraps
A Detroit Urban Farm Preserves Black History In Jam
Food Waste In America According to the John Oliver Show
Millenials Fuel UK Food Waste Mountain
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The POOR MIDDLE CLASS HEALTHCARE INSURANCE CRISIS
This post was originally written before The Trump Administration came into power. One of their campaign promises was to repeal and replace Obamacare. At this time, it is not known what the outcome will be. But an article in TalkPoverty.com indicates that a completely new plan could decimate Medicaid for seniors and people with disabilities.
The Healthcare Insurance Crisis
There is a Poor Middle Class healthcare insurance crisis in this country. In fact, this issue is of growing concern. The lack of sufficient medical care coverage for many people is the cause. The cost for others is also of great concern. The deepest concern is felt by the poor and poor middle class. Here’s the reason. With the election of the new President, the Obamacare Program was promised to be discarded and replaced. But now in spite of that promise, no one knows what would or could replace it.At present closer examination, lawmakers see that Obamacare will not be so easy to repeal and replace. Instead of such an extreme measure, they are suggesting that refinement may be a more reasonable solution. But with the new President, this could be even more of a challenge. The reason is that he is not in favor of compromise. He would rather make a sweeping changes. That would mean erasing the blackboard and starting over from scratch. According to the map in Figure 1 below, Affordable Care Act Medicaid Expansion could be in jeopardy. This could impact healthcare negatively for many people.
Medicare and Medicaid
Essentially, the differences between Medicare and Medicaid is fairly straightforward. In other words, eligibility for Medicare is at age 62. Contrary to Medicare, Medicaid benefits are based on financial need and disabilities rather than by age. In addition, individuals above a certain income level pay a monthly premium for Medicare. Not only that, they have a co-pay for medical services. On the other hand, Medicaid recipients do not have a co-pay. Let’s go to Wikipedia for more thorough definitions of Medicare and Medicaid.
The Wikipedia definitions for Medicare and Medicaid
The Prospects for Poor Middle Class Healthcare
There are added benefits to Medicaid over Medicare. Therefore, maintaining Medicaid is a major concern for poor middle class people’s health care insurance. Individuals on Medicaid have:• a zero monthly premium
• 100% coverage for primary medical care
• referred coverage at no charge
• minimal charge for prescriptions
What Coverage and Financing is at Risk Under a Repeal of the ACA Medicaid Expansion?
The article begins:
Dec 06, 2016 | Robin Rudowitz, Samantha Artiga, and Katherine Young
This article concludes:
Dec 06, 2016 | Robin Rudowitz, Samantha Artiga, and Katherine Young
Sources & Resources
Wikipedia Definition of MedicareWhat Coverage and Financing Are At Risk With the Repeal of ACA Medicaid Expansion, footnotes
Navigating The Healthcare Landscape
What Coverage and Financing is at Risk Under a Repeal of the ACA Medicaid Expansion?
Republicans Have Lost Their Plot To Repeal Obamacare
Fearing Repeal of Obamacare, Women Are stocking Up on Birth Control
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USING CREDIT CARDS
Credit Cards
WARNING, using credit cards can be like carrying a loaded gun. At the same time, they can be financially beneficial if you know how to shoot. On the other hand, they can be deadly if you don’t. In fact, many people do end up in debt using them. The interest that accumulates can make it impossible to ever pay them off. Groups that help people get out of debt prohibit their use altogether.
But in my case, using credit cards is part of my financial survival toolkit. With this caveat, I also strongly suggest the following. If you are not able to be vigilant using them by never missing a payment, do not include them in your financial survival toolkit.
How I Make Money Using Credit Cards
Yes, I have actually learned how to accumulate cash or credit towards purchases using my credit cards*. So far, I have discovered two ways to create income. If you know of others, please let me know. I have the following cards:• a cash rewards card
• a travel points card
* The ‘income’ from them, the cash rewards are not taxable because the money is a discount or purchase rebate, not income itself.
Cash Rewards Credit Cards
Some banks offer credit cards that accumulate cash points for purchases. The points are a percentage of the expense. They range between 1% and 3%. I have been able to earn about $20/month with this system.
* Mention of this card is in no way an endorsement of it.
Travel Rewards and Sky Miles Credit Cards
I signed up for a travel rewards credit card when the bank had a special promotion. If I charged a certain amount of purchases within three months, I would receive 20,000 in travel points. I did this. The travel points will go towards a trip out of state to see family and friends.
* Mention of this card is in no way an endorsement of it.
Sources & Resources
Here is a list of the best credit cards for a variety of categories. You can explore these websites for even more suggested card categories.Excellent Credit Scores:
Excellent Credit Score Cards
Cash Back:
Best Credit Cards for Cash Back | Compare Cards
Travel:
Best Travel Credit Card-BankAmericacard Travel Rewards
Credit Karma | Best Travel Credit Cards
General use:
Best Credit Cards for 2017 | Compare Cards
Credit Karma | Best Credit Cards
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POOR MIDDLE CLASS THRIFTY SHOPPING TOOLS
Thrifty Shopping Tools
Poor middle class thrifty shopping tools are part of my financial survival toolkit. My toolkit is filled with tools that I have discovered and tools that others have shared with me. By participating in this process, we are all part of a financial survival support community.This blog post is part of the series, The Poor Middle Class Crisis. Most of the thrifty shopping tools that I describe in this post and have added to my Poor Middle Class Financial Survival Toolkit come directly from a dear friend of mine, Danny Eitingon. He is very much part of my financial survival support community.
Using The Financial Survival Toolkit
Thrifty shopping tools from a financial survival toolkit can help many other poor middle class people survive, as well. Sharing this information is how we can help each other to survive. Not only do I welcome and appreciate input to fill my toolkit with but we also all benefit from sharing tools with each other. This give and take can helpful for everyone. In fact, it is why I call this exchange a financial survival support community.
A Financial Survival Support Community
Thrifty shopping tools are intended to help Poor Middle Class people. In addition, these tools are prudent for use by people who are still middle class. Becoming an educated consumer is especially important now. We can all benefit from being part of a financial survival support community. We take tools when we need them. Then we add tools when we can spare them. The following tools that have been shared with me and added to my Poor Middle Class Financial Survival Toolkit.Product Tools
Shop at Dollar Stores• Shop at the dollar store for short-life items. For example, you can buy soap, napkins, toilet paper, shampoo, paper towels, etc. There are many perfectly decent products, including environmentally friendly ones, that really do only cost a dollar!
Save on Gas
• Go to Gas Buddy to find the cheapest gas in your neighborhood.
Alternatives to Expensive, New Furniture, Household Items and Clothing
• Consider a buckwheat mattress
• Acquire wooden furniture like tables, dressers, desks from places like the Salvation Army
• Shop thrift stores for good quality, second hand, even vintage clothes
Buy In Bulk
• If you are shopping for a large family or need large quantities and have the storage space, join Costco, Sam’s Club or BJ’s for less than $50/yr. You can save hundreds, possibly thousands per year buying in large quantities or bulk.
Buy Store Brands
• Try store-brand rather than name brand products. Many are significantly cheaper. In addition, quality is very often not compromised. This is especially true with cleaning products and other household items.
• Recycle soda bottles, cans and water bottles
You will be surprised by how much change you can accumulate using this simple thrifty shopping tip.
Services Tips
Negotiate on Utilities• Contact your Internet service provider, telephone, and other utility providers every six months. That way you find out if the they are offering less expensive plans than you currently have. Sometimes, you can achieve significant savings by contacting your utility companies on a regular basis. Try to negotiate more economical plans.
Compare Credit Card Rates
• Check your credit card companies on a regular basis. See if they’re offering new cards with lower interest rates or better rewards programs than the one you have. Banks will not automatically transfer your account to a lower-interest or better reward credit card. Instead, they will let you cancel your existing card and apply for a new one.
Join Credit Unions
• Join credit unions instead of banks. Their interest rates and fees tend to be significantly lower than banks. Credit unions offer the same exact products and services as banks. In fact, credit union customer service is often significantly better.
Get Online Savings
• Subscribe to online savings (21st Century coupon clipping)
Many companies offer discount programs if you provide them with an email address or text number.
Save on Car Insurance
• Shop around at least once every 12-18 months for cheaper car insurance. This is especially important if you have an excellent driving record and/or are a senior. Significant savings can be realized by changing car insurance from time to time.
Compare Service Contractor Costs
• Always shop around for service contractors of any kind, e.g. plumbers, carpenters, electricians, car repair, etc. The competition among trade contractors can be fierce, but make sure you check out their reviews before hiring one. Angie’s List or similar services can be very helpful in this regard.
Subscribe to Consumer Reports
• Subscribe to Consumer Reports to check out their product reviews. Their research on the quality and value of appliances, electronics, and cars is really reliable. It can save you a lot of money in the long run.
Sources & Resources
The Elite Core Alliance-My 1Dollar Business
Shop At Home – Online Coupons and Discounts
Product Expiration Dates Why buy an expensive one if it is supposed to be replaced so soon.
Senior Discount Ultimate Guide from Deal Hack
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THE POOR MIDDLE CLASS CRISIS FINANCIAL SURVIVAL RESOURCE GUIDE
OVERVIEW
The Poor Middle Class Crisis is real and it is serious. This Financial Survival Resource Guide can help individuals and families alleviate the effects of the Poor Middle Class Crisis. The guide consists of a series of blog posts. The goals of this Financial Survival Resource Guide are:1. to make people aware of tools to help build a financial survival toolkit
2. to encourage people to form ‘financial survival support groups’ or communities with other poor middle class people
3. to share our experience in the day-to-day survival as poor middle class people to give other people hope for survival
At this time, the guide is a series of blog posts written by me for people like me, the poor middle class. This post is an overview that introduces all of the blog posts in this guide. Because I am a visual person and I love tool boxes, I am using this great lime green tool storage box as the storage box for my ‘Financial Survival Toolkit’.
LIST OF BLOG POSTS
Each blog post title is an underlined link to the post itself. Click on it to view a post that interests you. They include:Part 1: The Poor Middle Class Crisis
Part 2: A Budget Is A Crucial Financial Survival Tool For The Poor Middle Class
Part 4: More About Poor Middle Class Financial Survival Tools
Part 5: Poor Middle Class Thrifty Shopping Tools
Part 6: The Poor Middle Class Housing Crisis
Part 7: Poor Middle Class Housing Alternatives
Part 8: Poor Middle Class Affordable Housing
Part 9: Alternative Living Resources
Franklin Caravan Renovation Project
Part 10: The US Homeless Housing Crisis
Part 11: The Poor Middle Class Nutrition Crisis
Part 12: The Poor Middle Class Healthcare Insurance Crisis
Part 13: Our Story: One Day From Homeless
is under construction.
Sources & Resources*
The Viper Tool Storage Company
A Facebook group called, The Poor Middle Class Crisis
A Facebook Group Called, Next Level Minimalism
*All other sources and resources are within the blog posts themselves.
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THE US HOMELESS HOUSING CRISIS
The Crisis of Homelessness
The US homeless housing crisis today affects over a half a million people, both individuals and families. This post is one of a series of blog posts, The Poor Middle Class Crisis.This post:
• introduces the homeless housing crisis itself
• is a vehicle for the public to become more aware of this crisis
• provides resources of services that are available to the homeless
• is part of the goal to help end homelessness
Mark Horvath and Invisible People Fighting Homelessness
How I Am Different From A Homeless Person or Family
What makes me different from a homeless person? I still have dignity, self-respect and a sense of belonging. Other people treat me with respect. I have a roof over my head and my name is on the lease. Without that roof and a permanent address, I become part of the homeless housing crisis community. This can lead to the loss of many other qualities of life. We take so many things for granted. Things like:• having a dwelling with several rooms
• accessing a kitchen to cook in
• sleeping in a warm bed
• taking regular baths or showers
• grooming oneself regularly
• washing clothes
• having medical and dental care
Without these amenities, one can spiral down, beginning to look and even feel different. A homeless person can become so different that they ultimately become invisible to the rest of the world.
Invisible People
Mark Horvath, a champion for the homeless, calls the homeless, Invisible People. He seeks to end the homeless housing crisis in his lifetime.
A Homeless Spokesperson
This video bring out some crucial issues. Certain things are needed by a homeless person to become employed again. The public thinks these are luxuries. They are not. Everyone needs a cell phone and a laptop. Both the employed and those seeking employment need them for their work.Smartphone & Social Media: A Solution to Combat Homelessness | TEDxSyracuseUniversity
A Homeless Person’s Lifeline
Social media, a cell phone and iPad in particular are the lifelines for a homeless person. They are often the sole means of communication with another person. It may be a family member, a friend, another homeless person, calling for help or a ‘warm line’ to hear a friendly voice at the other end of the line.
Essentials For The Homeless Individual
Besides the ‘life and death’ things like food, shelter, clothes, blankets and medical care, these are also essentials for survival when someone is homeless:• clean socks
• a place to receive mail like a PO Box
• a cell phone and laptop
• access to a cell phone ‘warm line’
• knowledge of wifi hot spots
https://invisiblepeople.tv/2014/06/emily-and-her-children-homeless-family-hotel/
Shelter For The Homeless Individual or Family
Many homeless people agree that official homeless shelters are not the best place to stay. As a result, homeless groups band together to seek safe, optional homeless housing. Protected, warm spaces are the priority. The homeless create homeless housing communities like tent cities. Groups gather within the infrastructure under bridges. Abandoned tunnels are popular homeless dwellings. Assistance organizations do exist in some states. There are homeless housing programs for veterans, as well. Families are put in temporary hotel housing. But much more needs to be done to eliminate homelessness in the US.
How To Help End Homelessness
We can help end homelessness:• Donate to InvisiblePeople.tv.
• Increase awareness about the homeless housing crisis
• Speak in public about homelessness in our communities
• Hold a presentation about Invisible People
• Contact our elected officials
The federal government has been working on a plan to end homelessness. Ask them how the plan is coming along. You can read a print version of the plan here.
Opening Doors: The Federal Strategic Plan to Prevent and End Homelessness
Remember, the only concrete difference between is and most homeless people or families started with one thing. We still have our own roof over our heads. Someone who is homeless has lost theirs.
Sources & Resources
Facebook | Mark HorvathInvisible People – Changing The Story of Homelessness
Invisible People.tv | speaking and consulting
Emily and Her Children Are Homeless in a Family Hotel
From Invisible People: Sandra Is Homeless In New Orleans
Get To Know Mark Horvath Keynote Speaker, Founder of Invisible People
Former Homeless Man’s Videos Profile Life On Street : NPR
Mark Horvath | The Huffington Post
Kern County bill paying assitance
Homeless Veteran Reintegration Project
Homeless camp shows divide between rich and the poor
The Cities With The Largest Homeless Populations
People experiencing chronic homelessness
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POOR MIDDLE CLASS ALTERNATIVE LIVING RESOURCES
An Introduction To Unusual Living Possibilities
This post follows, Affordable Housing. Some of the ideas for alternative living resources are fascinating. They are definite considerations if they fit one’s lifestyle or goals. As I had mentioned in the first part of this series, some information would be geared to seniors. Most of these ideas are for younger people or for the young at heart.
Live Rent Free
Here are some alternative housing resources that are unique lifestyle options. Tips from the Yes, You Can Live Rent Free.• Farm Livin’
• Fun With Fido
• Share A Home
• Work As A Nanny Or Au Pair
• Volunteer for Uncle Sam
• Move Back In With Mom and Dad
Invest In A Tiny Home
Tiny homes have become quite a craze. They are much smaller than a regular home. They cost much less. Therefore, they usually do not require financing. The can be mobile. They are available premade or custom built. Due to the nature of a tiny home, it is possible to become a homeowner at a very reasonable cost, for tens of thousands instead of hundreds of thousands of dollars. This allow their owner to have more mobility with their funds and their home. There are a huge number of links about tiny homes on Google. My favorite company is Tiny Heirlooms. HGTV and the DIY Channel both have shows about Tiny Homes.
I am a huge fan of tiny homes. The possibilities are endless. Vintage vans conversions fascinate me. Although at this point in my life I am not seeking to make a tiny house my primary home. As a ‘woman cave’ retreat in the woods, one would be ideal. The Franklin Vintage Caravan is a great example of one. Enjoy this video of the renovation project. View photos by Images © Jesz Carroll/YouTube at The Franklin Vintage Caravan Tiny House
Relocate to A Cheaper Area, State or Another Country
Either for a change of scenery or because someone lives on a fixed income, relocating can be a good alternative. There are online resources for all of these options. Chambers of Commerce are a good source of information. Websites for potential expats are as well.
Sources and Resources
My Financial Survival Toolkit from The Viper Tool Storage CompanyHouse To Establish Financial Independence
The Tiny Heirloom TV Show on The HGTV Network
The Oceanside Retreat, A Tiny Colonial Wonder
Blue Ridge Mountains Simply Enough Tiny Home
Pink Tiny House in Portland, Oregon
10 Tips for Living in Colombia
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POOR MIDDLE CLASS AFFORDABLE HOUSING
Affordable Housing
Poor Middle Class Affordable Housing is hard to find. But it is a top financial survival toolkit priority. Without it, poor middle class people can fall into the following crises:• unable to pay bills
• end up in debt
• go hungry nutritionally by eat mostly cheap, unhealthy food
• become homeless
• unable to get proper medical care
• suffer from all of the above
What Is Affordable Housing?
According to Wikipedia, affordable housing is:
Finding Affordable Housing
Our search for poor middle class affordable housing was a nightmare. In fact, it was the hardest part of our financial survival journey. This is because of the following aspects of it:• the amount of paperwork involved
• a time-consuming application process
• the bureaucratic qualification procedure
• pressure due to our tight deadline
What Is Subsidized Housing?
According to Wikipedia, subsidized housing is:• a government sponsored system of economic assistance programs
• designed to alleviate housing costs and expenses
• meant for people in need
• designed for low to moderate income families, seniors and the disabled
• often called, ‘affordable housing’ in the United States
According to Wikipedia, subsidized housing is:
Subsidized Housing Programs
There are several forms of subsidies:• direct housing subsidies
• non-profit housing
• public housing
• rent supplements
• some forms of co-operative and private sector housing
Those who qualify to apply for subsidized housing must be:
• Families in financial need
• Seniors aged 55 and above
• Disabled people over a certain age
There are two types of management, either government or privately run.
What is Senior Housing?
Senior housing is housing available to independent seniors, aged 55 and older. It is usually subsidized. As a result, it is more affordable than market value housing.
Seeking Senior Housing
There is a huge amount of research and paperwork involved in applying for senior housing. In fact, it is the worst part of the process for us. Each housing project requires its own application. Because of this, I was very overwhelmed. Just the thought of it stopped me from applying originally. But eventually, relocation became an emergency. We were hard pressed to find an affordable place to live. Because municipal senior housing units had several years waiting lists, we did not know what to do. We were on the verge of homelessness.Here is our strong recommendation. Don’t let this happen to you. Apply for senior housing years before you think you may need it.
Fortunately, a private senior facility had a vacant unit. Much to our relief, we were accepted within two weeks. But there was one drawback. The only units available were studio apartments. In spite of the size, we grabbed one. As a result, we were set up in our new home within a few weeks. After that, it took another two and a half years to get a one bedroom apartment. When that happened, we felt like we had moved into a palace. In the summertime, we see nothing but tree. It feels like we live in a tree house. It is like heaven.
Section 8 Housing Vouchers
Large apartments buildings and multi-family homes accept Section 8 Housing Vouchers. According to Wikipedia:
A New Home
Our subsidized apartment is modest. There is no dishwasher. In addition to that, there is no terrace or yard for growing food. There is nowhere to make a compost heap for food garbage. But best of all, having a roof over our heads is a blessing. In addition, we have made a home here. There is a saying, ‘home is where the heart is’.The next post, Alternative Living Resources begins exploring unique housing opportunities.
Sources & Resources
Viper Tool Storage CompanyLatest Affordable Housing in NYC Thanks to Mayor di Blasio
Section 8 Housing Voucher Program
Deal Aims to Keep a Former Welfare Hotel in Manhattan Affordable
Section 8 Housing Voucher Program
What Is Independent Senior Living?
Affordable Senior Housing Becomes Scarce As Boomers Age
10 Places to Retire and Pay Less Taxes
Senior Living Guide
‘Home Is Where The Heart Is’, Amish Quilt
