Tag Archives: economic collapse

WOW Still Growing in TX~!! (12.15.18) Garden Update - DIY Homestead Zero Waste Minimalist

**WOW Still Growing in TX~!! (12.15.18) Garden Update – DIY Homestead Zero Waste Minimalist**



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more than everybody this Marc Crawford sustainable frugal living and it is December 15th we're getting some sunshine as you can see it's really not that cold but I got thin Bloods covered up anyway I wanted to give you a quick update of our garden we've been somewhat successful come with me we'll check it out ok this is our new structure here that we created with the free pallets we got videos on that you can check out we've got the landscape fabric inside blind inside with compost we actually we have the the core Google method they call it the kugel I guess and there's like say there's videos on that the rest of it filled up with compost now look at the earlier video you would have seen this was full of cucumbers against this welded wire here and we were able to harvest quite a few cucumbers and Teresa has pickled four deal pickles and bread-and-butter pickles I think they call him was really cool and then the rest of them had in our salads against end over there we had ochre plants we had ochre plants over the over there as well okra plants didn't make it we've got a little bit of harvest from the okra but not month I mainly just the small ones for salads the the freezes that we had we had some early freezes here in Texas as well as across the country as the second freeze pretty much did in the okra plants and killed them so the rest here were snap beans and they were Bush beans and we've got we got a lot of those those were very delicious very good and then we had some world crow planted down here you'll see in the other video but anyway this been I plants root in the soil that actually adds to the nitrogen to the soil as it breaks down and I tilled it up at chicken manure compost in this area out it with leaves and so that one's put to bed for the winter that one's done now this bed over here we had tomato plants here and we probably got maybe a dozen tomatoes off of that and of course the like I said the okra plants were here they froze out and died we got a few but the tomatoes we actually had to plant the we had to harvest the tomato plants before the second freeze because we knew it was going to be a hard one and would kill them so several probably about six half-a-dozen of the tomatoes we had to put in the house and let them just ripen in there the rest of all this is beets and they're our root crop so they've done well through the freeze they've been okay and still growing healthy and strong as you can see here we did an intense planning method with the beets so they're not gonna be real large or over in this area here we have our carrots and again we did an intensive planting for our carrots which you can go either way if you do the regular spacing you'll get the larger carrots if you do intensive spacing like this you get more carrots but you're going to get the smaller salad size carrots that's what we were going for here another reason we weren't really sure how well they would do and you can see here they did very very well and it awesome one of the videos I meant 'add what they look like they look pathetic after the thunderstorm is beat them down but obviously they all came back very very well so we've got lots of basically baby carrots over here the last bed of our four new ones it is you can see put to bed do the same thing over here with the compost and leaves put to bed the only thing is we left is the sugar pea plant the one sugar pea plant that we didn't tie up to the welded wire we just left it on its own and it actually survived if you look in the earlier videos we had like three or four plants here that we're just hanging down I'm pretty sure what I did wrong on these just for your knowledge is I planted them too shallow and so they grew but the roots weren't very deep and that was detrimental to the plants so they didn't make it but this one here we we just kept kind of pushing up this way so it would stay out of the dirt and it actually survived there's a couple of plants there and this one actually has some sugar peas on it to harvest I'll show you one maybe you can see one right there this one right here that one right there is ready to harvest but doesn't have a whole lot on it but the one surviving sugar pea plant okay that's it for our new area let's go into the existing garden structure over here check it out our existing garden structure but actually they're all existing this is our older garden structure along with the UV tarp on it or shade cloth the hydroponics was a pathetic disaster we're just busy with the livestock and different things so we're going to let this go until next spring we put pearl light in it and that was a big mistake it's just a lot better with gravel we've we've done it with gravel before and didn't have the gravel to put in until we had lots of pearl light as you can see the bag over there and we got bags over here or perlite so the issue with the perlite is make some ass floats too easily it gets down into the orifices where it drains into the tub and that's a big issue so we're gonna go back to the pea gravel on this I'm sure it'll be a lot better anyway let's take a look right over here we've got these are some transplants from the cups we actually germinated from seed and then transplanted on me here this is spinach you can see there we've got about a half a dozen spinach plants and they're doing real well very good plants and the rest of this is more radish we planted a lot of radish one reason is because radish is very easy to grow and as you can tell here this is pretty much ready to harvest we're going to harvest most of this today if not all of it I said in earlier videos we love radish with barbacoa tacos and salads I love it I mean some people it's not for them it may not be for you but it gives your salads a little bite a little spice and it's healthy very good for you my favourite is in barbacoa tacos with onions cilantro that's the best so anyway let me pull one of these up and you can see without pulling them up here you can see you can see them right there they get that one that's what we're looking at see how big that one is anyway we've got quite a few of them in there time to harvest we'll give some to family we'll eat a bunch and over in this bed we have some broccoli which has just been tore up by the pests you can see just tore up this there's still barely hanging on but I don't think they're gonna make it through the winter and the rest of this bed is yet to be composted and we're gonna put some chicken manure or compost in this on the top of it fill it in and put leaves on it same way put it to bed for the winter get rid of all of them the weeds anyway thanks for watching the video again this is Mark Crawford with sustainable through the living we do our share our videos all of our videos are listed as Creative Commons use which means feel free to share them no copyright infringement or anything like that we are sustainable through the living the idea is to help others away from the debt be more productive be more of a producer rather than a just a consumer in times of disaster and catastrophe and that sort of thing which we've had you may have lived through that you know how important it is to have you know vital things like food water shelter so check out our videos on our Channel that's what we're all about we have our own videos we share others videos as well again thanks for watching be sure to subscribe down below if this is a shared video you can just type in sustainable frugal living and go to our website we appreciate you if you subscribe give us a thumbs up and as always god bless

Credit Card Debt Most Dangerous when Interest Rates Rise

**Credit Card Debt Most Dangerous when Interest Rates Rise**



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Holders of credit card debt are the most at-risk and in danger when the fed raises it’s benchmark interest rate. With most credit cards being variable rate, debt carrying consumers are advised to pay-off credit card balances in full each month to avoid high interest rate charges or to consolidate to a zero or lower interest rate account, before rates rise further. On the flip-side, many savers and even investors are looking forward to higher interest rates because they will see bigger returns on cash savings in their accounts.

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Also, I cannot offer specific investment advice due to the complicated and detailed nature of everyone’s personal, unique financial and life situations. Although I usually include sources, charts, data, and links to the subject matter in my videos, the views expressed in my videos are often “one man’s opinion” and should not be taken as financial advice, in any way. I urge you to seek professional counsel and for everyone to do their own due diligence prior to making any significant decisions regarding financial and investment matters.
hey everybody my name is Jason and this is Babu and Bear bust okay today we're gonna talk about who's gonna be most in danger of rising interest rates and also on the flip side who's going to be rewarded most heavily for interest rates rising now before we get to that I just want to do a quick shout-out to all my subscribers thank you very much we're over the 17,000 mark and channel it is continuing to grow so I appreciate it and if you're watching it if you haven't done it already please go down and click subscribe to the home screen there on YouTube and don't forget to click the notification button because I've been getting getting reports from some people that they haven't been getting notified of new videos that we post and also some people say they have set up notifications for this channel but still haven't been getting notified so or notifications have been getting unselected for some reason right also if you look down in description of this video you're gonna see a link to our home page there you can find a link to our bitch shoot page and you can watch their ad free so no commercials if you don't like sitting through the commercials I'll link to our Twitter page and go over there and follow us and you can also if you want to support us go here and you can find a way to support the channel a few different ways in there and even if something as little as buying me a cup of coffee via PayPal in there would be greatly appreciated and it would motivate me to do more videos on the channel so I hope you will consider that okay very important topic today in my opinion being that we're in a rising interest rate environment I think it's very important to put out there the people that are in most danger of rising interest rates alright now I think it's important to show off to show up front here how rates have gotten lower and lower and lower with each recession in this last recession since the financial crisis you hate to see the shaded area right here they had to keep rates near zero throughout the entire Obama administration and they didn't start raising them until Trump got elected and they're actually doing so very gradually okay but if you just look back at history we're absolutely going to be in another recession shortly in my opinion less than six months because every time they've raised rates in the past there's been a recession and with people and maximum debt now and actually at the highest debt levels of all time including the highest credit card debt now is a crucial time to try to pay off that debt and we're gonna talk about why but even though the Fed they did skip the rate hike today November 8th as I'm recording this they are still pushing the narrative that the economy's strong and therefore they need to continue to raise rates and that way they can really sack it to all the people that took on all this debt since the quote-unquote recovery after the financial crisis okay so you have to ask yourself if the economy was really that strong why would they skip a very small tiny rate hike only one quarter of 1% has been the increments that they've been using for these rate hikes and now supposedly the economy strong okay the job markets great unemployment that near 50-year lows but they're still not able to raise that interest rate one-quarter of 1% you got to ask yourself why that is all right could it be that they know they're gonna prick the bubble and everything is gonna come crashing down and now they've got the president out there pointing the finger at them at the Fed at the central banks and their policies and I don't think they know what to do in this case I don't think they know what to do with Trump all right and there's a lot of different theories out there and what's happening behind the scenes that Trump has taken over the Fed but I find that unlikely the feds been in power for over a hundred years they're independent they're unaudited bull they operate in secret they're outside the government they're not a government entity at all they're actually private and basically they're they're they're their own corporation okay so first of all let's look at how bad the debt is this time okay and this doesn't even include mortgage debt so it's actually worse than this but this is non housing consumer debt and we see before the financial crisis had actually peaked here at about little over two-and-a-half trillion now as of just recently it's reported here at the end of the third quarter which is July August and September 2018 we're up to nearly four trillion dollars so we're nearly fifty percent higher than we were at the peak of the financial crisis 2008 era okay so non mortgage debt rolls up all other types of debt including credit card debt K which includes cash advances and balance transfers done on credit cards okay you've got auto loan debt worse than it was in 2008 okay you've got student debt what way worse than it was in 2008 basically everybody is way worse off now than we were during the previous financial crisis okay so it doesn't matter though that people have these enormous amounts of debt now actually the highest debt levels ever of all time okay it doesn't matter to the Fed that's their job is to raise rates when people are in max debt okay of course they're not gonna come out and say that they're gonna look at other things that give them a legitimate reason or what will look like a legitimate reason for them to raise rates they're gonna point to the unemployment number oh look it's 3.7 percent it's great time to raise rates okay well if the economy was that great why just do a quarter of 1% and why skip a rate hike at all why not raise rates every meeting instead of a quarter of one percent raise it by one percent two percent of three percent right it's he the greatest economy of all time why not do that so if you've been watching this channel I think you know why and let's look at the people that are in most danger now with the rising rate environment that we're in ok here's why most credit cards charge a variable interest rate tied to the prime rate okay so the primary it's about three percentage points above the federal funds rate that we just saw the chart on ok so when the federal funds rate changes the prime rate also changes and therefore credit card rates are going to follow ok now also home equity lines of credit are also variable rate loans but typically they're much lower interest rates versus credit cards okay now recently since we've had a few rate hikes in the past year or two it's being recorded that the average APR on a credit card is now 17% okay so these banks are getting ultra cheap money ultra cheap money out of the central banks and out of savers and people that put their money in the banks deposits and savings accounts and checking accounts and CDs well they'll pay out a measly 1 or 2 percent if you're lucky APR is tiny so imagine putting ten thousand dollars in a bank and getting a two percent annual yield so you're bringing back about two hundred dollars a year on your ten thousand dollar deposit after one year it's ridiculous that it's that low right so it punishes savers and it encourages people to not put the money in the bank to go out and just speculate and that's another force that's causing rising prices nobody wants to just sit in cash when rates are so low okay but with rates rising if you have an adjustable rate credit card balance which most of them are you might want to really look at consolidating it into a zero percent and a lot of companies now are offering 0% for a year even 18 months and I've even seen them up to two years usually there's a transaction fee so if you can get a zero or one percent balance transfer offer without a transaction fee that's the best but sometimes you have to pay right around the 3% transaction fee which is most common okay also like we've been reporting here a lot of people are using their home equity to pay off credit card debt that way they can get it into a lower interest rate balance and make the monthly payment on that okay so a little more over now on the average credit card interest rate which is now 17 point one percent according to creditcards.com that's up from sixteen point one five percent exactly one year ago and up from fifteen point twenty two percent two years ago okay so even a small balance let's take 1,000 dollars a year at seventeen percent interest interest rate you're paying one hundred and seventy dollars worth of interest each year based on that average balance of $1,000 in case so getting that high interest rate into a zero percent or promote a low promotional rate is very important and you might want to do that while you still can because a lot of times when rates start going higher those zero credit card balance transfer offers become less common okay also what you can do and this is based out of a study from your a survey from credit cards calm is you can ask your credit card provider for a lower rate so even if you don't qualify for a low or 0% balance transfer offer a lot of times they will look for promotional rates and in different rates that you can qualify for all right and based out of this study from creditcards.com 56% of the people that called and asked their credit card company for a lower rate receive the lower rate okay also 84% had a late payment fee waived just upon asking we're up on request so if you forget to make your payment on time or something happens just reach out and try to give them or try to have them waive one of those fees I actually work for a bank myself and I know for a fact from people that I've spoke with in our credit card Department that they do waive fees in some cases customers will get one fee per year waived but catches customers to ask okay and it's reported that very small percentage percentage of people actually call their credit card company and ask for those better rates and to get their fees waived because most people just aren't aware of it okay now how bad is the credit card debt right now well we know it's higher we showed you the charts along with just about every other type of debt all right but CNBC is reporting that 43% of Americans who've been carrying a credit card balance for two years that means they're not paying their card off for a year and even two years which means they're paying interest every month on their balance because if you don't pay it off then you get nailed with that interest charge and for people that do carry credit card debt the average is almost $17,000 worth of credit card debt and of those people with that debt that credit card debt the average page pays one thousand two hundred ninety two dollars a year interest so it's just such a waste $1,000 worth of your hard-earned money go into some multi-billion dollar corporation with a CEO is making in many cases a hundred times more pay than the front level line employees so I try to pay my credit cards off every month pay him off in full if you can but sometimes things come up it's not always possible expenses medical expenses are high inflation z' causing the price of many things that go up everything from gasoline to groceries okay and I've got a little bit of Suze Orman type of advice I'm not a big fan of Susan women but I think she's right on this you should pay down the higher balances first so if you're gonna pay off debt save your mortgage for last that's generally pretty low interest rate okay car loans can be up there subprime especially eight to ten even up as high as fifteen eighteen twenty percent in some cases so if the car loans your highest APR pay that off first if you can okay and also it's been reported here at a creditcards.com that many cards have annual fees according to this study about twenty six percent of cards have annual fees okay most cars have cards have some sort of late payment fee about ninety eight percent of them okay most of them have that balance transfer fee about seventy nine percent of them so there are cars out there with no balance transfer fee okay foreign transaction fees about fifty two percent cash advance fees about ninety seven percent of them do over the limit fee very small percentage of them do six percent okay return payment fees for bounced checks and things like that for payments okay so real quick and we'll try to wrap this one up who's gonna benefit the most from rising rates well that would be people who are free of debt people that have savings because now your savings account or your CDs or even some checking accounts are gonna start seeing a bigger return right just based on the rising APR and get a bigger yield out of that and investors according to CNBC here are welcoming the rising interest rates so now they can actually make something on their money without always having to be jumping into a trade or always investing in something especially now in this high-risk time when markets seem to be peaking in many areas okay and I'd like to go back to this Fed fund start again here look back in the 80s there when interest rates were approaching 20% so if you had a hundred thousand dollars in the bank you could sit there and collect about eighteen thousand dollars yield each year just by parking your money in the bank in a in a interest earning savings account or even a CD all right and some people look at higher interest rates backwards they say well if rates rise to 20 percent then no one can afford anything everybody's gonna be homeless well no that's not the way it works especially with housing when interest rates are higher that makes the monthly payment higher that means people cannot bid as high of a price for the home and that's one of the things that brings housing prices down when there's higher interest rates okay because lower interest rates causes false demand and causes the prices to get bit up more with that demand well higher interest rates does the opposite it causes less demand and therefore sellers have to lower their prices and if it was up to me I would raise interest rates to 25-30 percent I would love to be able to park money in the bank and actually get something for it but we all know they devalue to our currency okay the banks they get fed ultra cheap money out of the central banks and that further dampens the banks need to actually give us a good return on our savings all right everybody thanks for watching hope to see you down in comments let me know what to think on this or what I might have missed there's always good information that you guys put down there that I miss Hayne hope to see you next time bye everybody you

Chapter 2 Nobody's Perfect - Sustainable Frugal Living

**Chapter 2 Nobody's Perfect – Sustainable Frugal Living**



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how can we address big environmental problems like climate change most of us start with our own daily lives with everyday behaviors and choices about what we consume and how we get around like Puneet who makes a point of not using a car carbon tax I might as well utilizes public assets compared to driving there's just such a big benefit if they go around no matter what Vineet lives in Delta and commutes by transit to school where he's studying business he values living in a community where the services he needs now and in the future are easy to access my areas design is such a really great way for the schools near vice to grocery stores nearby the elementary school nearby the bus stop was nearby medical services kinds of nearby recreation serves in your mind so because of those services I wanna make sure my I live in that area meet Tanya she lives in North Vancouver and works in industrial real estate Tanya also tries to be less dependent on driving and finds what she needs close to home she wants to help other people learn about the ways our everyday decisions relate to sustainability one of my volunteer initiative this year is to teach children how to grow their own gardens it's called growing chefs and so every two weeks I go to the classroom to teach grade two to three year olds with a group of chefs we just teach them about you know what it takes to grow a garden and then at the end we actually make stir-fry with the garden that we've grown so what stops us from being green why don't more of us take these kinds of steps in our everyday lives and how much can we do by ourselves yet I think one of the challenges too is that when you start talking about environmentalism people kind of turn off right you're kind of labeled there's that environmentalist label that I think people steer clear up because I don't know the history is too preachy or you know they don't feel they measure up or they don't consider themselves environmentalists many of us want to live our green values but maybe we aren't sure where to start or worry that we aren't doing enough I think that people are shut in because they see a list of things that they should be doing you know and there's lots of information about there you should do this this this and this and this and you're gonna throw up your hands because there's there's too much I can't do all that I think if we have the sense that we have to be perfect in order to start nobody's ever gonna start doing anything I also sometimes struggle with figuring out what I can do as an individual and I try making choices but it's just really hard I guess we don't all have that the luxury and the resources to be sustainable all the time there are limits to what any of us can do alone but does that mean that we should give up we need to really recognize that we are a group and we are collectively needing to make choices and decisions together and that yeah regardless of whether we're here in Canada and the Port Moody our choices and our actions do impact people across the globe and across the country and that to pretend otherwise is just a privilege that we have I think it's not just like we need as individuals to make choices about the environment but like we as a society need to make choices that enable other people to make choices about the environment

Don't Panic - UK Government Censors news story titled "Banks are 'technically insolvent'"?

**Don't Panic – UK Government Censors news story titled "Banks are 'technically insolvent'"?**



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******** Update **********
As of Jan 21, 6 am GMT, the link is back and working again. Interesting?
********************************

I guess they are trying desperately to prevent any bank runs, or a general panic.

Note that while David Prosser is normally a financial markets writer, Ben Russell is a general staff writer, and may not have been “thinking clearly” when he wrote this piece. Nevertheless, once published is it right for it to be removed? Or should an amended, less controversial version been published?

I do hope neither of these gentlemen are sacked for this.

Please get a hold of ‘YoutubeDownloaderHD” – you can freely download and share / post this video in any way you like. Please make sure your description includes all of this text though.

British banks are ‘technically insolvent’

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Full text of article:

British banks are ‘technically insolvent’

By Ben Russell and David Prosser
Saturday, 17 January 2009

Britains biggest banks are “technically insolvent”, Royal Bank of Scotland said yesterday, as the global banking industry was rocked by another day of turmoil, including the announcement of $23bn (£16bn) of new losses from Merrill Lynch and Citigroup, the giant US institutions.

Analysts working for RBS, one of several British banks to have received emergency funding from the UK Government last year, told the City that “the domestic UK banks are technically insolvent on a fully marked-to-market basis”.

The warning does not mean British banks are about to go bust, because the assessment is purely theoretical, and RBS said the position was “not unusual at this stage in the economic cycle”.

However, it will add to pressure on the Government to provide more support for the country’s banks. Treasury officials are now set to spend this weekend in talks about a fresh round of measures, which could be unveiled as early as next week, to free up lending to households and major corporations hit by the credit crunch.

The value of Barclays fell by a quarter in stock market trading yesterday, amid a series of wild rumours about its finances, although the bank said it saw no need to comment on the drop. Its board said in a statement last night that it knew “no justification for the fall”.

The statement said next month the bank expected to report that profits before tax for 2008 were “well ahead” of the £5.3 billion forecast by analysts.

City analysts said the bank had been targeted by traders after regulators lifted a ban yesterday on the short selling of financial stocks. Barclays’ share price, along with the value of other British banks, was also hit by dismal news from the international markets, including the announcement on Thursday night that the Irish government was nationalising Allied Irish Banks. In the US, Bank of America announced yesterday that it was taking a $20bn injection of emergency funding from the US government, subsequently revealing that Merrill Lynch, the investment bank it rescued last year, had lost more than £15bn in the final three months of last year.

Citigroup, once the world’s largest bank, announced more than $8bn of losses for the final quarter of last year, and revealed plans to split itself in two.

Treasury officials were still discussing plans to help British banks last night but the proposals are likely to include up to £100bn of new guarantees for the wholesale markets that underpin mortgage and other loans.

Other possible measures being considered include state support to help Britain’s largest companies raise their own funds. Another option is to launch a “bad bank” to remove tainted assets from the banks’ balance sheets, though while this policy is under consideration, it is thought to remain some way off.

Other proposals include ring-fencing the toxic assets within bank balance sheets. Lord Mandelson, the Business Secretary, has also talked of easing the terms of the Government’s £37bn bank bailout in order to kickstart lending. Downing Street made it clear yesterday that the Government remained committed to doing “whatever is necessary to help British businesses and families get through this global financial recession”.
good morning good evening good afternoon wherever you are or whenever you are hello thank you for watching my videos it's mike it's January 18 2009 I'm back in England I've just returned from hong kong now one of the things that i did while sat in hong kong international airport was jump onto their free Wi-Fi and look at some news stories now one of the news stories that i was reading yesterday earlier today i guess it was quite interesting it was in the independent and I thought this was so interesting I recorded the URL now when I go and look at it today unfortunately I can't seem to find this article by the URL now I thought to myself perhaps the independent have modified the URL slightly and I'll just do a search on the website so i did a search on the website unfortunately with the search i couldn't find any record at all of this particular news story it's just gone I thought this was rather unusual so I did a little Google search for this article and evidently the independent has removed it from their website the article which i will read in full at the end of this video is called British banks are technically insolvent now what is rather remarkable about this article as it goes on to explain that the Royal Bank of Scotland issued issued in a statement on Friday that Britain's biggest banks are technically insolvent at the end of the article there is a very interesting statement from the Treasury Downing Street made it clear yesterday the government remained committed to doing quote whatever is necessary to help British businesses and families get through this global financial recession end quote the code itself that says global financial recession is quite remarkable however the beginning of it of this quote whatever is necessary to help does this include censorship does this include removal of controversial news stories from prominent websites prominent newspapers now because of course I was traveling I don't have a copy of yesterday's independent so I don't know if this actually made it to the print edition but if it did it wouldn't surprise me if this article in the print edition is blacked out Downing Street the leaders of the British government don't want you to see this information and is easy to understand why I've included a link on the side to the original independent website I've also included a link on the side to a google cache of this page so Downing Street the next time you want to go and filter some newspaper articles you might want to call up Google as well and say please remove the offending article from the cache and of course the other thing you will have to do is then find any reference to this website out on the web and remove that also so for instance moneysavingexpert.com also linked here has some commentary in their forum pages about this now moneysavingexpert.com is a very very popular investment and finance website here in the UK it's very telling one of the comments on this particular article states the following in a sense every bank in every bank is technically insolvent and always has been was not entirely true at one point banks actually had enough assets to cover all of the particular credits they had to give out insolvency is not being able to pay your debts when they fall due the bank invest mosts of the most of the deposits for the long term ie in mortgages and has a small amount of liquid assets because of this if everyone tried to withdraw their cash the bank couldn't could not pay all the depositors technically insolvent this is why runs on banks by half the customers mean they go cover your children's ears people tits up right don't let them do this I am going to read the entire article just in case they've managed to delete have the article from google cache in the next few days the the message here basically folks is the government does not want you to know this stuff and they're going to go out of their way to make sure that it doesn't create any panics there's no point folks there's no point Downing Street people out here already figured this out now I'm not trying to incite anyone to get crazy okay and the fact that I put this video up may well flag me up to the and to the government oh my gosh this is mad man out there in reading he's doing nutty things he's telling people the truth better go shut him up to alright my regular viewers thanks very much peace love understanding i'm going to read the whole article now britain the article is by ben russell and david prosser britain's biggest banks are technically insolvent royal bank of scotland said yesterday as the global banking industry was rocked by another day of turmoil including the announcement of 23 billion dollars of new losses from merrill lynch and citigroup the u.s. sorry the giant us institutions analysts working for rvs one of several British banks to have received emergency funding from the UK government last year told the city that domestic UK banks are technically insolvent on a fully marked to market basis the warning does not mean British banks are about to go bust because the assessment is purely theoretical and RBS said the position was not unusual at this stage in the economic cycle however it will add to pressure on the government to provide more support for the country's banks Treasury officials are now set to and the weekend in talks about a fresh round of measures which could be unveiled as early as next week to free up lending to households and major corporations hit by the group by the credit crunch the value of Barclays fell by a quarter in stock market trading yesterday amid a series of wild rumors about its finances although but although the bank said it saw no need to comment on the drop its board said in a statement last night that it knew no justification for the fall the statement said next month the bank expected to report that profits before tax for 2008 were well ahead of the 5.3 billion pound forecast by analysts city analysts said the bank had been targeted by traders after regulators lifted a ban yesterday on short selling of financial stocks Barclays share price along with the value of other British banks was also hit by dismal new dismal news from the international markets including the announcement on Thursday night that the Irish government was nationalizing Allied Irish banks in the US bank of america announced yesterday that it was taking a twenty billion dollar injection of emergency funding from the US government subsequently revealing that merrill lynch the investment bank it rescued last year had lost more than 15 billion pounds in the final three months of last year Citigroup once the world's largest bank announced more than eight billion dollars of losses for the final quarter of last year and revealed plans to split itself in two treasury of his officials were still discussing plans to help British banks last night but the proposals are likely to include up to 100 billion pounds of new guarantees for the wholesale markets that underpin mortgage and other loans other possible measures include are other possible possible measures being considered include state support to help British Britain's largest companies raise their own funds another option is to launch a bad bank to remove tainted assets from the bank balance sheets although while this policy is under consideration it is thought to remain some way off other proposals include ring-fencing the toxic assets within bank balance sheets lord mandelson the british of the business secretary has also talked of easing the terms of the government's 37 billion pound bank bailout in order to kick start lending Downing Street made it clear yesterday that the government remained committed to doing quote whatever is necessary to help British businesses and families get through this global financial recession end quote the next time you want to try and get rid of some truth make sure you get rid of every trace of it and if that means knocking down my door and dragging me off to jail fine but don't be messing about like this piece

Dollar Tree Haul! Yes, Preppers you can use Coupons at Dollar Tree to build Preps ! :)

**Dollar Tree Haul! Yes, Preppers you can use Coupons at Dollar Tree to build Preps ! :)**



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Shopping at Dollar Tree is a great way to build up your preps and stockpiles for very little money 🙂
When you combine that with couponing then wow it is really a great way to prep!! 🙂
Dollar tree takes manufacturer coupons plus up to 2 internet printable coupons say from coupons.com per day 🙂
Here is my latest haul. 🙂
The Colgate toothpaste and the Loreal eye makeup were bought using coupons.
The toothpaste was 25 cents each and the eye makeup was free 🙂
Except for tax. Dang tax man.
I love to shop for preps at the Dollar tree.
A few tips for shopping there.
1. Be patient with the cashiers, They do not have a coupon scanner so they must hand read each coupon. My cashier forgot her reader glasses today so I read the coupon to her 🙂
2. Remember only 2 internet printable coupons per day from coupons.com.
3. Make sure your item is for the right size and quantity since the Dollar tree often has unique sizes.
If you have patience you can get yourself some really good deals.
Remember to save items for gifts, donations or SHTF barterables (trading items) if you have no current need for the items 🙂 I have posted their coupon policy below for easy reference 🙂

Dollar Tree COUPON ACCEPTANCE POLICY

Manufacturer Coupons
•We accept Manufacturer Coupons only. We do not accept retail-specific coupons, such as those of Target, Wal-Mart, etc.
•We do not accept photocopies of coupons. Coupons must be intact and not altered or modified in any way.
•Coupons can only be used in stores, must be presented at time of purchase, and cannot be redeemed for cash at a later time.
•Item purchased must match the coupon description (brand, size, quantity, color, etc.) and be presented prior to the expiration date printed on the coupon.
•We accept only one (1) Manufacturer Coupon per single item purchased.
•We accept coupons for over a dollar on a single item, but the coupon value will be reduced to the purchase price of the item.
•We cannot give cash back if the face value of a coupon is greater than the purchase price of the item.
•We accept coupons for over a dollar on multiple items if the coupon amount does not exceed the combined retail price of the items indicated.
•We accept up to four (4) like coupons per household per day.
•Coupons for free items are only accepted if a purchase is required to get one free (for example, Buy One Get One Free offers).
•Any applicable sales tax must be paid by consumer.
•We reserve the right to accept, refuse, or limit the use of any coupon.
•This policy is subject to all local, state, and federal laws and regulations where applicable.
•These guidelines apply to all coupons accepted at Dollar Tree (Manufacturer and Internet Coupons).

Internet Coupons
•We accept up to two (2) Internet Coupons per household per day.
•Internet Coupons must be a “Manufacturer Coupon”, have a valid expiration date, and must have a valid remit address for the manufacturer.
•We do not accept Internet Coupons for “Free” items with no purchase requirements.
•Duplicated (photocopies) Internet Coupons will not be accepted. Each Internet Coupon must have a different serial number.

Last Revision: March 1, 2013To your health, longevity and peace of mind,
The Healthy Prepper 🙂

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hey everybody healthy prepper here with a you know trip to the Dollar Tree and all the excitement that that brings couponing yes if you guessed it okay so here's my little adventure today and I'll show you not everything here was coupons but these items were and for this is the Dollar Tree where everything is truly a dollar and this Colgate sensitive there is an Internet printable that mentions different kinds of Colgate's it doesn't have a size restriction deal well it doesn't have an ounce of size restriction it does say no trial sizes but this is bigger than a trial size and they both went through just mine at the Dollar Tree for me but I had to get the sensitive one because that was the only one that carried so that was $1 off the Novus 75 cents off 75 cents off so these are 25 cents each and if you have any of the Loreal coupons there's a lot of a lot of them out right now from the recent Sunday inserts over the past few weeks I they had some of this eyebrow powder at my Dollar Tree L'Oreal brand and the coupons were for a dollar they were a dollar off so it was these were free just had to pay tax on those those were a good deal and other little pepper like goodies I got um I was very excited to find out my Dollar Tree has completely revamped itself and they have a frozen and cold section in the back which opened up many possibilities so I picked up some frozen veggies there which I use regularly and they were only a dollar bag great deal they had some coconut juice and I really like coconut water and coconut juice and things like that so it was very excited to get those they were irregularly price a dollar needed some floor cleaner what can I say they had this big bottle of awesome it's no residue floor cleaner and gonna give it a go we'll see how far a dollar gets us on the floor cleaner I like sliced beets and they had them for 79 cents each so three cans of those went in the cart lo and behold we were planting the tomatoes the other day yeah have a reverse season down here and this little prepper was starting her proper garden at most of the times where the rest of you are just finishing up your seasons so I planted my 12 tomato plants kiss them all wish them good luck and realized I didn't have one of these little guys so I have about probably seven of these little guys but you think I could find one when I needed one no but there they were at the Dollar Tree for a Plex so we'll see how that goes I got another little filer for my coupons because I want to divide one category I keep these in a big bag and that's how I coupon that way I can have all my coupons with me at any time and I can just pull out a small file so I don't like like look like the coupon monster that you know I'm not that adept at holding the binder and I would drop it and there would be in a coupon explosion and they would go everywhere so these little folders were great for me and I got a composition notebook I'm gonna be crazy colors right it was only a dollar at the dollar tree but which is kind of the average price around town nothing special but I want to start top logging my finances each week so I can keep very close detail on my expenditures what I'm spending we're really budget conscious around here we only take out so much a week and we've never spend more than that and once we're at the end of the cash it's game over so the coupon really comes in handy with that but anyway I've got a bright in here some other plans for other things that I want to do and I want to get and I can navigate better if I keep a log so I do that weekly and I just had to totally show ya I'm so excited my avocados I produced fruit people my avocado tree I'm so excited it's a peppers dream come true and actually taste one of these the other day it was really really good – these are Florida avocados and they you actually pick them while they're always green when you pick them but they're hard when you pick them off the tree and you wait until they ripen so right now it's about almost ripe I'd have to wait till it turns up like kind of black and really soft and then it's ready on the in so if anybody was ever wondering about that that's the deal with avocados at least mine alright so that was it just a fun trip to the Dollar Tree a couple of little coupon finds there and I'm gonna I have four dollar trees close to me so I'm gonna explore them all and see what goodies I can gather to show you guys four coupon purchases so there you go folks happy and healthy prepping keep gathering those goodies and building that supply cabinet and we'll be good to go for calm seas or stormy seas take care everyone