Frugal Living: 25 new messages in 17 topics

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

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Today's topics:

==============================================================================
TOPIC: how to chop wood
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/09b7e9be3fcd1870?hl=en
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== 1 of 2 ==
Date: Tues, Nov 13 2007 12:21 am
From: Anthony Matonak

A Veteran wrote:
> How to Chop Firewood
> Would you like to share recommendations for chopping wood? Add
> comments below.

Foot-Operated Log Splitter - 1.5-Ton Capacity.
http://www.amdish.com/ItemId/B000T7HE76

You can find electric log splitters for under $200.

Then again, why use wood? How to build a solar air heater.

http://www.green-trust.org/2000/solar/solar.htm
http://www.thefarm.org/charities/i4at/surv/solheatr.htm
http://www.mobilehomerepair.com/article17solar.htm
http://www.popularmechanics.com/home_journal/how_to/4217478.html

Anthony
--
A towel, if sufficiently large and fluffy, can be used as a blanket.

== 2 of 2 ==
Date: Tues, Nov 13 2007 3:47 am
From: Jeff

Anthony Matonak wrote:

> A Veteran wrote:
>
>> How to Chop Firewood
>> Would you like to share recommendations for chopping wood? Add
>> comments below.
>
>
> Foot-Operated Log Splitter - 1.5-Ton Capacity.
> http://www.amdish.com/ItemId/B000T7HE76
>
> You can find electric log splitters for under $200.

Never seen that.
>
> Then again, why use wood? How to build a solar air heater.
>
> http://www.green-trust.org/2000/solar/solar.htm
> http://www.thefarm.org/charities/i4at/surv/solheatr.htm
> http://www.mobilehomerepair.com/article17solar.htm
> http://www.popularmechanics.com/home_journal/how_to/4217478.html

Not so easy heating with solar. For one thing you have to store the
days heat to heat at night. And solar is not practical in certain
localities (cloudy/overcast). At any rate you'll need a lot of square
footage.

My recommendations are:

1) Weatherize and add insulation. First seal all air leaks. If you have
uninsulated walls as many older homes do, blow in coccoon (cheap). Then
add insulation anywhere else it is missing before adding addittional in
the attic. Heat transfers out on any side there is a temperature
differential. Bubble wrap on your windows is a very cheap way of
reducing heat loss.

2) Add a Solar Air heater. You can do what I did and convert your south
facing wall into an air heater. When the sun is low as it is in winter,
vertical works well.

3) Add solar water heating (easier to store heat). You'll need an
insulated tank also. You can make those out of plywood and EPDM pond
liner. (Copper is expensive these days and you'll need a lot of it.)

4) If wood is cheap add a wood stove or furnace.

And for all things solar thermal:

<URL: http://builditsolar.com />
and news: alt.solar.thermal

Jeff
190 SF solar AIR
120 SF solar water coming online
wood stove
(lives in a big city)

>
> Anthony

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TOPIC: buy shop price ! YI www.cheapestsell.cn
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/82f0f160c818100c?hl=en
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TOPIC: Talk of Worst Recession Since the 1930s
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/047a2e6084912a0a?hl=en
==============================================================================

== 1 of 4 ==
Date: Tues, Nov 13 2007 1:50 am
From: "Rod Speed"

YTR <zzzxtyryyetytryey@googlemail.com> wrote

> Talk of Worst Recession Since the 1930s

Plenty have run that mindless claim before.

Plenty have mindlessly claimed that the world will end too.

== 2 of 4 ==
Date: Tues, Nov 13 2007 4:35 am
From: nick hull

In article <5ptabnFslcqbU1@mid.individual.net>,
"Rod Speed" <rod.speed.aaa@gmail.com> wrote:

> YTR <zzzxtyryyetytryey@googlemail.com> wrote
>
> > Talk of Worst Recession Since the 1930s
>
> Plenty have run that mindless claim before.
>
> Plenty have mindlessly claimed that the world will end too.

But yet there was a depression in the 30s and history will repeat
eventually ;)

Free men own guns - www(dot)geocities(dot)com/CapitolHill/5357/

== 3 of 4 ==
Date: Tues, Nov 13 2007 3:45 am
From: "The Rifleman"

So long as the yanks still have their guns and the support of the rest of
the world they will pull through.............Oh!......................
OK So long as their big companies such as Ford and GM are doing better than
the others..............................Oh!.......................
Well at least they still make their own cars, trucks, ships,
locomotives.............................................................Oh!.......................
Well so long they they have their homes and cheap
fuel...................................................................................Oh!.......................

Never mind they still have lots of guns and thats all that bothers them.

"YTR" <zzzxtyryyetytryey@googlemail.com> wrote in message
news:1194936063.282966.10220@q5g2000prf.googlegroups.com...
> Talk of Worst Recession Since the 1930s
>
> After what Los Angeles money manager Arnold Silver called "a brutal
> three days," the question is: What now for the market?
>
> A Wall Street superstar this year who runs Balestra Capital Partners,
> Jim Melcher, says he's "worried about a recession. Not a normal one,
> but a very bad one. The worst since the 1930s. I expect we'll see
> clear signs of it in six months with a dramatic slowdown in the gross
> domestic product."
>
> Balestra Capital, a $350 million New York hedge fund, was up 3% for
> the past three market sessions, when the Dow Jones Industrials,
> spearheaded by widespread declines in financial stocks and fears of
> more billion-dollar-plus asset write-downs, tumbled more than 677
> points, or about 4.5%. The Nasdaq fared worse, skidding about 7%,
> triggered by across-the-board declines in those fast-stepping
> technology stocks.
>
> Balestra has increased in value by 175% so far this year, Mr. Melcher
> tells me. A 9-year-old fund, it has posted compounded annual growth of
> about 30% since its inception.
>
> Mr. Melcher, a market bear, had some pretty discouraging words. "What
> I think is not good for the country, but good for me." he says. His
> basic advice to the country's roughly 80 million stock players: Run
> for the hills - the worst is far from over. An investor's stock
> portfolio now, he believes, should be only about half of what it might
> normally be.
>
> With the housing market in a state of collapse - and he says he
> believes it is far from over - Mr. Melcher argues that average
> homeowners will not be able to withstand the kind of recession he
> sees, given the added burdens of rising energy and food costs, and
> continued deterioration in the credit markets.
>
> Noting that consumption is already slowing, Mr. Melcher figures
> sharply rising unemployment is inevitable. Another of his worries is
> that central banks around the globe, America's included, are debasing
> their currencies, which is setting the stage for a new round of higher
> inflation. Our bear figures the next six to 12 months will be awful
> for investors as the market goes down "pretty substantially." His
> frightening outlook calls for an additional 20% to 30% decline from
> current levels. A drop of that magnitude would put the Dow down in a
> range of roughly 9,100 to 10,400.
>
> Asked how he could conceivably give credibility to such an ominous
> forecast, Mr. Melcher observes: "I've never seen a market with more
> risk and what's significant is that risk is not yet priced in."
>
> Given his grim expectations, he says there is no equity market in the
> world he would play right now. "When the American market goes down,
> other equity markets around the world should follow," he says.
>
> As of now, his portfolio is pretty much devoid of stocks, save for an
> exchange-traded fund focused on leading companies in oil services,
> which he regards as an ongoing growth industry. The ETF, the Oil
> Services Holders Trust, trades on the American Stock Exchange under
> the symbol OIH. Although enthusiastic about the industry's growth
> prospects, Mr. Melcher says he would be reluctant to recommend oil
> services stock because he believes the price of oil could easily drop
> 50% in the recession he envisions.
>
> Another danger he sees for the market is the prospect of huge
> withdrawals of funds from America by foreign investors due to the
> falling dollar, the credit crisis, and a slowing economy.
>
> At the moment, Mr. Melcher's chief investment strategy is shorting
> stocks and certain bonds, notably mortgage-backed and junk bonds,
> through the use of derivatives, put options, and credit default swaps.
> He is also short ABEX, an index of residential mortgage-backed
> securities.
>
> His short strategy is largely responsible for his super performance
> this year, as are his holdings in gold. The fact he's sticking to this
> strategy is evidence that he firmly believes the chaos in the
> financial markets is far from over. Mr. Melcher is also gung-ho on
> several currencies, particularly the Swiss franc and the Japanese yen.
>
> The average investor, he believes, should seek to protect his assets
> by raising cash, putting money to work in short-term treasuries, and
> buying some gold (notably through StreetTRACKS Gold Trust, an ETF that
> tracks the price of the precious metal and trades on the Big Board
> under the symbol GLD).
>
> Is the world coming to an end? I asked our bear. "I don't think so,"
> he replied, "but as I mentioned, the ingredients are in place for the
> worst kind of a recession, which means it's the wrong time to own
> stocks."
>
> http://infowars.com/articles/economy/recession_talk_of_worst_recession_since_1930s.htm
>

== 4 of 4 ==
Date: Tues, Nov 13 2007 3:47 am
From: "The Rifleman"

"nick hull" <nhull@isp.com> wrote in message
news:nhull-419E0E.06351413112007@dialupusa.usenetserver.com...
> In article <5ptabnFslcqbU1@mid.individual.net>,
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>
>> YTR <zzzxtyryyetytryey@googlemail.com> wrote
>>
>> > Talk of Worst Recession Since the 1930s
>>
>> Plenty have run that mindless claim before.
>>
>> Plenty have mindlessly claimed that the world will end too.
>
> But yet there was a depression in the 30s and history will repeat
> eventually ;)
>
> Free men own guns - www(dot)geocities(dot)com/CapitolHill/5357/

Well at least when you lose your homes, jobs, cars, money, etc you will
still have your guns, I hope they make good shelters or are edible.

==============================================================================
TOPIC: Dollar Crisis: None dare call it 'conspiracy'
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2f8f50beed6eeacf?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Nov 13 2007 1:51 am
From: "Rod Speed"

YTR <zzzxtyryyetytryey@googlemail.com> wrote

> Dollar Crisis:

There is no 'crisis', fool.

== 2 of 3 ==
Date: Tues, Nov 13 2007 7:36 am
From: James

On Nov 13, 1:38 am, YTR <zzzxtyryyetytr...@googlemail.com> wrote:
> Dollar Crisis: None dare call it ?conspiracy'
>
> Global Research | November 11, 2007
> Hal Lindsey

<Crap snipped>
> I wonder what it might be?

First of all - is this the same Hal Lindsey who predicted Armageddon
would be one generation since the formation of Israel?

Secondly, his facts are exagerated - The Loonie was never as low as 60
cents - the all time low is .6279 - and trust me 3% is a big deal. It
has also never been as high as Lindsey says in recent history. It
almost made 1.10 recently , but no one thinks it will stay there. So
right off the bat I don't trust him.

And oil prices look to come down - which is one of the reasons the
loonie is sliding down to 1.05.

James

== 3 of 3 ==
Date: Tues, Nov 13 2007 9:11 am
From: The Trucker

On Mon, 12 Nov 2007 22:38:23 -0800, YTR wrote:

> Dollar Crisis: None dare call it ?conspiracy'
>
> Global Research | November 11, 2007
> Hal Lindsey
>
> Crude oil prices hit an all-time high this week, closing above $98 a
> barrel for the first time in history.
>
> According to the AAA, many drivers in my home state of California are
> already paying more than $4 a gallon for regular unleaded gas. And in
> one town south of Big Sur, unleaded gas topped $5 a gallon.
>
> The U.S. dollar is at an all-time low, even when compared against the
> hapless Canadian loonie. Five years ago, a loonie was worth 60 cents.
> Today, it's worth $1.12 and climbing.
>
> Yesterday, WorldNetDaily reported that the Chinese are considering
> abandoning the U.S. dollar as their national reserve currency. WND
> quoted Craig Smith's assessment of the consequences of such a move by
> Beijing on our economy: ?If that were to happen, all bets are off, and
> we will be in a depression that makes 1929 look like child's play, or
> we will experience Weimar Republic inflation as the dollar makes
> extreme moves toward devaluations.?

Why do you and others believe that there is nothing in between these two
disasters? Calm and reasoned people do not see these boogermans lurking
in the shadows. I too have in recent weeks been forecasting much higher
prices and a lot less pleasure driving and general mobility. Fresh vegies
and fruits and live lobsters will get quite pricey and dry "goods" will be
but on the choo choo instead of being moved more quickly in all those big
trucks. And there is going to be more actual work to do for Americans and
less imports. This may not even qualify as a "recession", if it is
managed properly. We will see how the "market" handles it and if the
"government" (or what is left of it after the assault of the Republicans),
is able to cope.

> On Tuesday, the U.S. national debt topped $9 trillion for the first
> time in history, according to the U.S. Treasury Department's daily
> accounting of the national debt. Nine trillion dollars! The number is
> so staggeringly high that it exceeds our ability to comprehend it in
> monetary units.
>
> Million, billion, trillion ? in financial terms, for most of us, it
> means a lot of money, really a lot of money, but that is about as
> specific a picture as most ordinary people can grasp.
>
> Let's put all these ?illions? into perspective. A million seconds is
> roughly 12 days, whereas a billion seconds is approximately 32 years.
>
> We understand dollars. And we understand time. So it would take 12
> days to pay back a million dollars at a dollar a second. But if you
> started right now, you'd pay back a BILLION dollars, at a dollar a
> second, in the year 2039.
>
> A trillion seconds is roughly 32 thousand years. At a dollar a second,
> you'd pay back a TRILLION dollars in the year 34007.
>
> The U.S. debt stands at $9 trillion. If my calculator is working, then
> at a dollar a second, the U.S. could be debt- free in the year 290007.
>
> The point of that little exercise was two-fold. The first was to
> clarify the sheer volume of the debt; the second was to demonstrate
> the possibility that anybody in government really believes we can ever
> pay it off.
>
> Each U.S. citizen's share of the national debt works out, according to
> the National Debt clock, to $29,947.50. That means the average
> American family of five owes, collectively, $149,737.50.
>
> It also means that unless the average American family of five has a
> net worth of at least $149,737,50 in assets excluding liabilities
> (they don't), America is already bankrupt.

Are you bankrupt because you owe $300k on your house? And even more to
the point, what if you controlled the value of the dollars? What if you
could just print the dollars and give every American citizen $200k? You'd
then have a debt of $100k for eternity or until it was paid off. Based on
the inflation that would be caused by this injection of money into the
economy that debt would be quite manageable. This is the quandary of
government. Let us hope that the current morons are up to the challenge.

> Over the past few years, there has been growing public concern about the
> emerging ?Security and Prosperity Partnership? plan that some say is
> really a ?deceptive roadmap? to a coming North American Union and a new,
> unified currency tentatively called the ?amero.?

Now you are talking about something that the people can control. There are
only a very few moonbats that want something like this. The rest of the
American people want it stopped right here and right now. The
"independent" Fed is a @#($^$%^#@^ myth. The Fed can be busted tomorrow.
It _IS_ your government, or at least it was designed to be your government
(follow the link in my signature).

> The feds steadfastly deny such a plan exists, even as it opens the
> borders to Mexican truck traffic,

This is being contested in appropriations. This will be made illegal if
you want your highway funds.

> widens the I-35 corridor from Mexico
> to Canada

Oh give it a rest. You OBVIOUSLY have never driven I35 (especially
in Texas). That route is sorely in need of enlargement. Whether Mexican
trucks use it or American trucks use it is irrelevant.

> and, counterintuitively, refuses to tighten the borders with
> either Mexico or Canada, despite both logic and widespread public
> demand.

Yes. This part is a true story. But enforcement of the current laws is
the proper fix for this. The enforcement must be done at the employer
level. No need for big armed raids and muscling of "illegals" on to the
deportation bus and no need for a "Berlin Wall" between the USA and
Mexico. Pat Buchanan has this one right. George Bush should be impeached
for not enforcing current immigration law. That is his job as the
executive. He is to enforce the laws. He can prance around blathering
about a "guest worker program" all he pleases. But we don't currently
have such a program (other than H1B ans that is being curtailed). And
until we have such a program (which we hope is NEVER), he is
constitutionally obligated ti enforce the current laws. Impeachment
awaits those who ignore their Constitutional obligations.

> All of these things have brought me to believe that powerful forces
> outside of our government ? like the shadowy international Money Trust
> members of the ?Bilderberg Group? ? made a decision to force the
> formation of the North American Union along with the amero. There
> decisions have been instituted in the past via the Trilateral
> Commission, which is the dba for the nefarious Conference on Foreign
> Relations. Destroying the American dollar could force the crisis that
> would force the creation of the North American Union. To quote the title
> of a book of the 1960s era, ?None Dare Call It Conspiracy.?
>
> Ordinary Americans may not fully grasp just how dire the true economic
> picture is, but you can bet our leaders do. Yet from the White House to
> the Federal Reserve, nobody seems particularly eager to address the
> issue, preferring instead to talk about the ?budget,? as if the budget
> WERE the debt, rather than merely a measure of our ability to keep up
> with our payments on the debt.
>
> It is almost as if they already have a Plan B in reserve, ready and
> waiting to be triumphantly introduced ? just in the nick of time.
>
> I wonder what it might be?
>
> http://infowars.com/articles/economy/dollar_crisis_none_dare_call_it_conspiracy.htm

Why all the drama? Some people just MUST have boogermans and
eeeeeeevvviiiieee lurking everywhere. I gots a news flash for everybody:
There is most certainly evil in this world. Trying to defeat it through
acts of war and fear and animosity will just add to the evil and create
more of it. Those who would profit from the evil will ever stir up more
of it. To be sure there are people with the talent and the brains and the
time to profit from the conditions of this world and they will do so.
That does not, in and of itself, make them evil.

http://www.greatervoice.org/econ/glossary/aristocracy.php
http://www.greatervoice.org/econ/glossary/Aristocratic_Imperative.php

--
"I know no safe depository of the ultimate powers
of society but the people themselves; and
if we think them not enlightened enough to
exercise their control with a wholesome
discretion, the remedy is not to take it from
them, but to inform their discretion by
education." - Thomas Jefferson
http://GreaterVoice.org/extend

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20).Women shoes Women Jordans Women Shox R3 Women Shox R4 Women
AirMax
95&97 Women AirMax 03&06 Women Dunk Women Shox NZ Women AF1
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JEAN 1).E&D Jeans 2).BBC Jeans 3).BAPE Jeans 4).D&G Jeans 5).EVSIU
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T-shirt 1).POLO 2007 polo(women) 2007 POLO IIII(Men) POLO (stripe)
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2).Lacoste Lacoste (LONG) Lacoste (SHORT) 3).Name Brand shirt D&G
Shirt Giorgio Armani TN Shirt 4).BBC T-shirt 5).LRG & gina green
glalal 6).Triumvir 7).ED handy 8).Evsiu 9).R.M.B 10).CLOT
Burse & Handbag 1).LV Bag 2).Gucci Bag 3).Dior Bag 4).Chanel Bag
5).Fendi Bag 6).Coach Bag 7).Burberrys Bag 8).Prada Bag 9).Man
Leisure
Bag 11).D&G bag 12).nike bag 13).Wallet 14).Suitcase
Electronics 1).Vertu Mobile 2).New iphone Mobile 3).Nokia Mobile
4).moto Mobile 5).PSP Game & memory card 6).Sony Mobile 7).Samsung
Mobile 8).Ipod nano 9).Sony PS3 10).Laptops IBM laptops DELL laptops
Sony laptops ASUS laptops
CAP 1).ED Hardy Cap 2).New Bape & NY Cap 3).RMC Cap 4).New era NBA
5).F1 6).Chanel 7).D&G 8).gucci 9).LV 10).Prada 11).PUMA 12).wool
WATCH 1).Rolex 2).Omega 3).Cartier 4).Chanel 5).Piaget 6).Breitling
7).Bvlgari 8).Corum
Sunglasses 1).Gucci Sunglasses 2).D&G Sunglasses 3).Dior Sunglasses
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Strap 1).Bape Strap 2).D&G Strap 3).Gucci Strap 4).LV Strap 5).Scarf
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size chart
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US: 7 8 8.5 9 9.5 10 10.5 11 11.5 12 13 14 15
UK: 6 7 7.5 8 8.5 9 9.5 10 10.5 11 12 13 14
EUR: 40 41 42 42.5 43 44 44.5 45 45.5 46 47.5 48 49
Women Size:
US: 5 5.5 6 6.5 7 7.5 8 8.5
UK: 2.5 3 3.5 4 4.5 5 5.5 6
EUR: 35.5 36 36.5 37.5 38 38.5 39 40

Kid's
US: 1 2 3 4 5 6 7 7.5 8 8.5 9 9.5 10 10.5 11 11.5 12 12.5 13 13.5
UK: 13 1 2 3 4 5 6 6.5 7 7.5 8 8.5 9 9.5 10 10.5 11 11.5 12 12.5
EUR:17 18 19 20 21 22 23 24 24.5 25 25.5 26 26.5 27 27.5 28 29 30
30.5
31

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==============================================================================
TOPIC: need financial advice badly
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/35b0dae147e2665f?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 2:03 am
From: Usenet2007@THE-DOMAIN-IN.SIG

In article <472fcaae$0$23937$5a62ac22@per-qv1-newsreader-
01.iinet.net.au>, jb@www.com says...
> nospam@nospam.com wrote:
> > On Mon, 05 Nov 2007 19:25:30 -0500, in misc.consumers.frugal-living
> > Jon v Leipzig <JVL@myday.com> wrote:
> >
> >> barbie gee wrote:
> >>>
> >>>> schitozphenia, that's the way it works. I seriously doubt the
> >>>
> >>> schitozphenia??
> >>>
> >> think he means;
> >>
> >> Schizophrenia,
> >> from the Greek roots schizein (???????, "to split") and phre-n,
> >> phren- (????, ????-, "mind"),
> >>
> >> is a psychiatric diagnosis that describes a mental illness
> >> characterized by impairments in the perception or expression of
> >> reality, most commonly manifesting as auditory hallucinations,
> >> paranoid or bizarre delusions or disorganized speech and thinking in
> >> the context of significant social or occupational dysfunction.
> >>
> >> Diagnosis is based on the patient's self-reported experiences and
> >> observed behavior. No laboratory test for schizophrenia exists.
>
> > No lab tests exist for any metal disorder
>
> Wrong, there is for those that are due to other medical problems.
>
> > and many are mis-diagnosed
>
> Some are, not many.
>
> > and then drugged for life.
>
> No one is ever drugged for life.
>
> > The drugs cause brain damage and psychosis.
>
> Mindless pig ignorant drivel.

No, Rod... You don't have to be drugged for life.

Instead, you can become a permanent "fixture" on Usenet. While
morphing to avoid being recognised as Rod Speed, while
pathologically clutching the same, old, tired, easily-marked
insults. Like, "mindless pig ignorant drivel."

But, anyway... On a more serious note, head-pshrinkers most
definitely DO want people to be "drugged for life." That is part
of the whole antidepressant scam. Like any other drug dealer,
they need for their customers to feel totally dependent. And to
keep coming back, month after month, to pay some more money for
the magical fix.

A head-pshrinker wants to see your problems resolved about as
much as a street-corner heroin dealer wants to see you stay
clean.

--
Want Privacy?
http://www.MinistryOfPrivacy.com/

==============================================================================
TOPIC: cheap sell nike jordan gucci bag
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d889edeefdfd5018?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 2:47 am
From: "nikeljm@gmail.com"

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==============================================================================
TOPIC: Natural Penis enlargement at home
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c4cd7db3ce1d3233?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 3:28 am
From: jennymorris6@googlemail.com

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==============================================================================
TOPIC: Fast food lost leaders.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4adc4e7c65acf834?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 3:53 am
From: "Shawn H."

In article <1194921921.862207.46200@v65g2000hsc.googlegroups.com>,
James <j0069bond@hotmail.com> wrote:

> I hear the MacDonald's double cheese burger is one. The regular
> cheeseburger is 99 cents and the double is $1.
>
> What lost other leaders do you know?

I have no idea. Why does it matter?

==============================================================================
TOPIC: check fraud
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8f8f2ab630e63181?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Nov 13 2007 4:34 am
From: George

George Grapman wrote:

>>
> I can not think of a single issue with my credit union. I never pay
> any fees and never have complaints,
> I rarely go to a branch but it seems most of the times that I see a
> live teller they send me a customer satisfaction survey. In addition
> when more than 4 or 5 people are on line the manager starts handling
> transactions. Compare this with Wells-Fargo where every branch seems to
> have an employee whose sole job is to walk around in circles behind the
> tellers and smile at the long lines.
> Finally, they are part of a network of credit unions that allows me to
> use ATMs at almost any 7-11 store with no fees and lets me make
> deposits at other credit unions.

One of the accounts is commercial and at least the last time I checked
credit unions are personal only.

I didn't start out with Wachovia. I was using a locally owned bank. The
bank got bought up by a bigger bank and then again by Wachovia. I really
find faceless megacorps annoying.

== 2 of 2 ==
Date: Tues, Nov 13 2007 5:19 am
From: Meghan Noecker

On Tue, 13 Nov 2007 07:34:48 -0500, George <george@nospam.invalid>
wrote:

>One of the accounts is commercial and at least the last time I checked
>credit unions are personal only.
>

It varies.

I have accounts with two local credit unions. I have banked with the
one for over 15 years, and I wish it had commercial accounts. I have
asked several times over the years as I have a small business and need
to be able to accept checks written to my business name. Until
recently, they always said they could not do it. The last time I
asked, they told me they used to but can't now.

I do have a commercial account with another local credit union, but I
don't like them as much. They charge $20 for each online transfer over
6 in one month. And they have been very difficult in getting a bad
transaction stopped.

I do like the fact that both particpate in shared branching, so I can
do transactions for both accounts at both banks. My favorite bank is
20 minutes away, but the other bank has ATM machines at the store
where I work, so I can deposit money into my account right at work.
That is pretty nice.

==============================================================================
TOPIC: FREE Oakley Microclear Subglasses Bag! MUST Have!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cfb780371e7a77b5?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 5:03 am
From: eHDMI

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==============================================================================
TOPIC: Free Meal Planning Guide
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ed102516ca3c263d?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 5:06 am
From: "TheBestFreebies.com"

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==============================================================================
TOPIC: Some Dominos Pizza Online Coupons
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/db3751055c307206?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 5:09 am
From: "wansford@googlemail.com"

More codes added today:

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==============================================================================
TOPIC: What will rejuvenate markers?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/372a24564d852fdd?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 5:26 am
From: Floyd-CN

On Nov 1, 5:03 am, Doc <docsavag...@yahoo.com> wrote:
> I seem to recall reading somewhere that dipping dried out magic
> markers in toluene will work, but can't seem to find it in the local
> hardware stores, though I thought I've seen it in the past.
>
> Any ideas?
>
> Thanks.

I advise you to buy a new one.it's not expensive,isn't it?

==============================================================================
TOPIC: ())(()()()()()() TAMIL SEX ACTORSS SEX FREE ENJOY SEX GIRLS WAITING ()()
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c652a673fbcf6121?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 5:27 am
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TOPIC: I'm a Cuckoo and I love it!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a0c7a73d09ee549?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Nov 13 2007 7:08 am
From: Babe16

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== 2 of 2 ==
Date: Tues, Nov 13 2007 7:27 am
From: Babe16

Babe16 wrote:
> Spamming is for low life scum like me. Being annoying sucks all the life out of newsgroups like this one. So waste your time and check out my blogspot about farting.

> http://123fart.blogspot.
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>

==============================================================================
TOPIC: Discount item scalping
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f44a8366af395738?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 7:42 am
From: James

On Nov 12, 11:46 pm, Seerialmom <seerial...@yahoo.com> wrote:
> On Nov 10, 2:09 pm, BrotherSandMonkey <blin...@volcanomail.com> wrote:
>
> > Is this a fair practice? Arab-owned and Asian Indian-owned food marker
> > dealers are purchasing sufficient quantities, of food items from
> > discount srores as Aldi and Save A Lot, and
> > stocking them in their own stores with a boost in price? Then they
> > expect cusromers to buy them along with Name Brand items (which are
> > also higher in price but that is understood.).
>
> Yes it's fair. And you can also find items that were in Dollar Tree
> or the 99¢ Only store at flea markets as well as the aforementioned
> ethnic stores. I've often seen items at 99¢ Only store that could be
> repackaged/repurposed and sold for higher prices (if I had that
> initiative, that is). Last, around Christmas just take a look at the
> local want ads or eBay...you'll see the "hot toy/gadget" going for
> much higher than what it originally sold for. This is the root of
> capitalism, right? Those sellers are counting on people who aren't
> savvy enough to find the items when they were cheap or are perhaps
> "wheel challenged" (hence the mom/pop grocery stores in the inner
> cities).

Lets be realistic.

Grocery stores work on volume. Most food items have a markup of a
couple of percent. (non groceries may be much much higher) Loss
leaders may be so far below wholesale prices it makes them attractive.

A mom and pop convenience store has to make a much higher markup just
to break even - their relative costs are higher. They don't buy in the
same quantities that grocery chains do.

Such a law would foce these places out of business, and we would all
be poorer for it.

James

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Tuesday, November 13, 2007

25 new messages in 17 topics - digest

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