Frugal Living: Sep 3, 2007

Monday, September 3, 2007

25 new messages in 12 topics - digest

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25 new messages in 15 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: FIND HOME LOANS AT LOWEST RATE EVER
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/866f6f4d98fac4b6?hl=en
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== 1 of 1 ==
Date: Mon, Sep 3 2007 1:06 am
From: annis

FIND HOME LOANS AT LOWEST RATE EVER

www.bigloanguide.com

==============================================================================
TOPIC: Guaranteed Winner! Fast Payouts Lots of ads! PTR
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7601e98ae73d360c?hl=en
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== 1 of 1 ==
Date: Mon, Sep 3 2007 2:15 am
From: Ants

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==============================================================================
TOPIC: The Role of Women
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3ff67ed3f48ea6cb?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Sep 3 2007 2:22 am
From: whitney reeves

(by Crystal Paine)
I've had so many thoughts swirling around in my head from the
responses to this question. There is so much I want to say, some of
which I have said earlier in other posts, but maybe it needs to be
reiterated.
I think we would all agree that there are definitely times when a
woman can teach. As we have recently talked on here, there is a huge
need for older women to teach the younger women. That is their
Biblical role. I also believe that women are called to teach their
children (I am not referring to homeschooling in particular here.) as
the Bible has called parents to train and raise children together. The
father is the head of the home, but the mother is definitely a co-
laborer with her husband in this regard. Children are to obey and
honor both father and mother.
We can spend all day trying to come up with examples of Biblical women
who were in "leadership" positions, but we need to look deeper to the
Biblical principles.
1 Tim 2:11-14 "Let the woman learn in silence with all subjection. But
I suffer not a woman to teach, nor to usurp authority over the man,
but to be in silence. For Adam was first formed, then Eve. And Adam
was not deceived, but the woman being deceived was in the
transgression."
Adam was created first, then Eve. Eve was taken from Adam as a sign
that she was not an independent being. Eve was deceived and she
sinned, yet Adam was punished, too. Why? Because Adam was Eve's
authority and therefore responsible for her. If God had created Eve as
an independent being, wouldn't He have just punished her by herself?
This principle was laid down since the beginning of time and it holds
true today. Man was created to be the head of the woman. Woman was
created to be the helper to man. Man is under God, woman is under man.
So much of the time, we try to fit the Bible into our own mold of
thinking. We try to justify our beliefs by trying to come up with some
verse which might support our view. As I've said so many times,
though, we have to take the Bible as a whole. Either we believe it as
a whole, or we might as well not believe it at all.
http://cpaine.00server.com/wm.htm

== 2 of 2 ==
Date: Mon, Sep 3 2007 9:11 am
From: "Don"

"whitney reeves"> wrote
> Man was created to be the head of the woman.

Is that just another way of saying, Woman was created to give head to a man?

==============================================================================
TOPIC: best mortgages
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3abeb2e737e9bb37?hl=en
==============================================================================

== 1 of 6 ==
Date: Mon, Sep 3 2007 2:41 am
From: JohJon7955526@gmail.com

Conforming loans can be resold in the secondary market due to the fact
that they meet nationally accepted underwriting criteria established
by national secondary market investors, primarily Fannie Mae (FNMA)
and Freddie Mac (FHLMC). This criteria includes down payment amounts,
maximum loan amounts, property specifications, borrower income
requirements and credit guidelines. Due to the importance of being
able to liquidate real estate investments (loans) in the event of a
financial problem, the trend for lenders is to obtain loans that meet
secondary market standards.
The conforming loan limit in California for a single family home is
$240,000, for two family homes - $307,000, for three family homes -
$371,200, and for four family homes - $461,350. For five or more
residential dwellings, see COMMERCIAL LOANS.

======================================================
"best mortgages"
http://www.loans.tohelpyou.info/best-mortgages/[ya]2nd-mortgage-loans.aspx
======================================================

== 2 of 6 ==
Date: Mon, Sep 3 2007 3:16 am
From: GarMil7641@gmail.com

Split loans allow borrowers to take part of their loan as a variable
rate loan and the other part as a fixed rate loan.

== 3 of 6 ==
Date: Mon, Sep 3 2007 3:30 am
From: PetAlv9240@gmail.com

Fixed rate loans are loans where the borrower's interest rate and
repayments are fixed for a set period, usually from 1 to 10 years, and
sometimes longer.

------------------------------------------------------
"best mortgages"
http://www.loans.tohelpyou.info/best-mortgages/[ya]2nd-mortgage-loans.aspx
------------------------------------------------------

== 4 of 6 ==
Date: Mon, Sep 3 2007 7:03 am
From: Tony Miklos

are *no* mortgages.

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== 5 of 6 ==
Date: Mon, Sep 3 2007 6:52 am
From: JohJon7955526@gmail.com

Fixed rate loans are loans where the borrower's interest rate and
repayments are fixed for a set period, usually from 1 to 10 years, and
sometimes longer.

======================================================
"best mortgages"
http://www.loans.tohelpyou.info/best-mortgages/[ya]2nd-mortgage.aspx
======================================================

== 6 of 6 ==
Date: Mon, Sep 3 2007 7:41 am
From: PetAlv9240@gmail.com

We will not support any loan to Iran that comes to the World Bank's
executive
board,'' State Department spokesman James P. Rubin said last month.

------------------------------------------------------
"best mortgages"
http://www.loans.tohelpyou.info/best-mortgages/[ya]2nd-mortgage.aspx
------------------------------------------------------

==============================================================================
TOPIC: jor dan kobe shoes AF1
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/665e0c666f7b9cd7?hl=en
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== 1 of 1 ==
Date: Mon, Sep 3 2007 3:34 am
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==============================================================================
TOPIC: as soon as possible...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/52b92fd2126ae7c0?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Sep 3 2007 4:28 am
From: "dianna.uitm@gmail.com"

hello,

i'm dianna from malaysia need information about this topic. please
reply my e-mail as soon as possible.my sister will married next month.

Thank you.

dianna

== 2 of 2 ==
Date: Mon, Sep 3 2007 5:58 am
From: "Don K"

<dianna.uitm@gmail.com> wrote in message
news:1188818903.763146.264070@y42g2000hsy.googlegroups.com...

> i'm dianna from malaysia need information about this topic. please
> reply my e-mail as soon as possible.my sister will married next month.
>

This looks like a good resource for you:
http://www.add.org/

==============================================================================
TOPIC: Rented apartment with drywall - best fastener options to hang stuff?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ed95e7ab1375335f?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 3 2007 5:05 am
From: Shawn Hirn

In article <5-idnet6e_5maknbnZ2dnUVZ_gednZ2d@comcast.com>,
jJim McLaughlin <jimm.claughlin@comcast.com> wrote:

> DouhetSukd@gmail.com wrote:
>
> SNIP HAPPENS
> > I have written down the paint color codes from Benjamin Moore for the
> > building, so I think I can touch up stuff when I leave.
> >
> Buy the paints *now*. Buy a quart of each that you need. Dollars to
> doughnuts in
> three years when you move the formulations for colors you have so carefully
> written down will have changed and the same color, by the same
> manufacturer, will
> no longer be available.

The paint will have probably dried up in the can and the landlord will
likely repaint with recently purchased paint anyway upon the tenant
moving out. Really, this is no big deal. If the OP has doubts, just read
his lease or ask his landlord.

==============================================================================
TOPIC: Insurance FAQ
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a52b1487a920b20c?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 3 2007 5:26 am
From: insurzone@gmail.com

Your one stop zone for all insurance details. Checkout the site to
know more details on various insurance.

http://www.theinsurancezone.net

==============================================================================
TOPIC: ot: political humor
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2686503af2b40a0a?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Sep 3 2007 5:27 am
From: Roughrider50

On Mon, 3 Sep 2007 05:46:02 +0000 (UTC), don@manx.misty.com (Don
Klipstein) wrote:

>In article <%noCi.2767$pm2.2680@trndny08>, AllEmailDeletedImmediately
>wrote in part:
>
>> 8:00 pm "How I Invented the Internet" - Al Gore
>
> That keeps coming up? That is a Republican exaggeration!
>
> The Republican exaggeration is based on a CNN interview in which Al Gore
>did claim "I took the initiative in creating the Internet".

Yep......that's about as worn out as Dan Quayles "Potato" incident.
The dems beat that to a pulp over & over.

>
>
"There can be no fifty-fifty Americanism in this country. There is room here for only 100 per cent Americanism, only for those who are Americans and nothing else."-- Theodore Roosevelt

== 2 of 2 ==
Date: Mon, Sep 3 2007 6:48 am
From: Ward Abbott

On Mon, 03 Sep 2007 07:27:04 -0500, Roughrider50
<corkyf56@hotmail.com> wrote:

>> The Republican exaggeration is based on a CNN interview in which Al Gore
>>did claim "I took the initiative in creating the Internet".
>
>Yep......that's about as worn out as Dan Quayles "Potato" incident.
>The dems beat that to a pulp over & over.

A young lady returned to her home from a prestigious, Eastern
college over the Thanksgiving- break during her first semester away
from home.
After Thanksgiving dinner her father asked his daughter how she
liked the school, and she replied, "Well, I like it O.K., and, by the
way, I have decided to become a Hillary Democrat. You see, Ms.
Clinton spoke to us on campus this semester, and showed me how unfair
the wage and health-care systems are is in the U.S. and how we must
raise taxes to help those in need."
The father was at first silent, then he asked her, "Well, how do
you like your studies?"
She answered that she worked four to five hours a day, had no
time for socializing and little time for anything else, but managed to
make a 4.00 her first semester.
Then, her father asked her how she liked her roommate. The
daughter replied, "She's terrible! She goofs off all the time, skips
class, parties until the wee hours, and barely made a C average. I
wish I could get rid of her."
Again the father was silent, and then said, "Well, why don't you
ask the Dean to take 1.00 of your grade-point average and give it to
your roommate, then you'd both have B averages?"
The daughter looked horrified, and said, "No, way! I worked hard
for my grades, and my roommate put-out forth no effort at all to study
or to make good grades. Why on earth should I give her part of my
hard-earned grades?"
The father looked at her, nodded his head, and said, "Welcome
back to the Republican Party."

==============================================================================
TOPIC: Get 1 Million Real Visitors For Free!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/43cfc2d7330ee61f?hl=en
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TOPIC: Visit my City!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9257ee9790ca15e8?hl=en
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== 1 of 1 ==
Date: Mon, Sep 3 2007 7:21 am
From: Sylvain

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==============================================================================
TOPIC: "10 things you should never buy used"
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2e741d8c5dc391bb?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Sep 3 2007 7:47 am
From: throwitout

On Sep 1, 10:51 pm, Rick <ricka...@rcn.com> wrote:
> throwitout wrote:
>
> > On Sep 1, 12:20 pm, "Daniel T." <danie...@earthlink.net> wrote:
> > > "aesthe...@hotmail.com" <aesthe...@hotmail.com> wrote:
> > > >http://articles.moneycentral.msn.com/SavingandDebt/FindDealsOnline/10...
> > > > ShouldNeverBuyUsed.aspx
>
> > > [From the article]
>
> > > Of the ten items, 4 are personal electronics (Laptops, Plasma TVs, DVD
> > > players, & Camcorders.) Personal electronics are generally disposable
> > > items in any case. Although I disagree with the article when it comes to
> > > laptops, many people will want to get rid of one long before its useful
> > > life is over. The silliest part of the article is that they actually
> > > recommend that you buy an extended warranty with these items!
>
> > With anything, when you buy it you inspect the condition of the item
> > to try to determine if it's abused and you test the system to ensure
> > it's fully functional. I bought a very cheap Pentium class laptop
> > which gives me a very cheap mobile system which is sufficient for
> > basic word processing and web surfing, but it is so obviously old that
> > no one would want to steal it, and if it broke it wouldn't matter as
> > it has lasted me three years already.
>
> > As far as extended warranties, normally I tell people not to bother
> > since they are designed as profit devices, but in the case of laptops
> > I tell people to consider them. Even though statistically speaking
> > they should almost always be money losers, everyone I know that has
> > bought a laptop has had a pricey problem with it within the first 3
> > years of ownership. And unlike a component built desktop, it can be
> > very expensive to repair. I also tell people to treat their laptops
> > like the very delicate expensive purchase they are, but few people
> > seem to follow that advice.
>
> First three years of ownership? They are pretty much technology obsolete
> after two years.

I'm using "first three years" because that's typically how long they
sell warranties for.

As far as obsolete, obsolete would suggest it's useless. Compared to
computers of yore, computers these days don't become useless so
quickly.My desktop machine is probably 6 years old. It's no good for
the latest games or 3D apps, but it's more than fine for web surfing,
word processing, loading digital pictures onto, light duty image
editing, watching movies, burning DVDs / CDs, etc. Since that
constitutes most of my computer use, to me this computer isn't
obsolete.

My laptop is 10 years old and still fine for word processing and web
surfing, so for those purposes it isn't obsolete.

Many people with laptops don't want or need the latest and greatest in
their mobile machine. They are typically looking for web surfing /
word processing / video watching. I doubt a new machine would become
useless for that.

So, even if you consider a machine to be "useless" after 2 years,
doesn't mean the owner will. If they had to use the warranty after
year two, that can save them the cost of a new computer, which even
for a cheap model, is more than the warranty.

> The problem with extended warranties on lap tops is with your
> observation about the very advice you give to people "I also tell people
> to treat their laptops like the very delicate expensive purchase they
> are, but few people seem to follow that advice."
>
> Extended warranties are not abuse insurance policies. Any indicators
> that the lap top is in less than pristine condition will be used against
> you when filing an extended warranty claim.

Depending on what is considered "less than pristine condition". If it
was obviously abused they won't cover it. I know someone who dropped
his laptop, screwed up the hard drive, and had the drive replaced
under warranty. While the computer didn't appear abused, it certainly
appeared used.

> In reality extended
> warranties largely only cover known manufacturing defects - defects the
> manufacturer is actually willing to admit exist. Beyond that the most
> common credo from the firm you paid the money to when you try to
> exercise your extended warranty on a lap top is "Not covered - you
> dropped it." (Hard drives, case problems, failed or broken ports, failed
> display.) Followed by "Not covered - you wore it out." (Keyboards, track
> points, lcd back lights, CD & DVD drives.) And let's not forget "Not
> covered - it has moisture damage." (Dead system.)
>
> You don't get a guarantee of coverage. You take it in for repair under
> extended warranty, and the repair depot and the place that took your
> money for the warranty have a conversation, and then they decide if you
> get a warranty repair or not. But most of that conversation will go back
> and forth, with the extended warranty provider trying to find the reason
> why the repair should not be covered.

> IMO extended warranties are still a rip off. And on an item such as a
> lap top, despite the item maybe being on the expensive side, there are
> far more reasons they can use to get out of providing the coverage -
> just because of the nature of it being a lap top. Sales people will tell
> you anything and everything is covered when you buy the warranty with
> lap top. The contracts generally say otherwise. And even getting what
> seems a legitimate defect repaired practically comes down to a "he said,
> she said" contest rather than a term in the warranty contract.

If the coverage is as terrible as you state, yes it's a ripoff.
However I've seen extended warranties that will actually protect the
user. Shop around.

== 2 of 2 ==
Date: Mon, Sep 3 2007 8:39 am
From: throwitout

On Sep 2, 2:57 pm, Rick <ricka...@rcn.com> wrote:
> Don K wrote:
>
> > "Rick" <ricka...@rcn.com> wrote in messagenews:46DA1732.1A9200C@rcn.com...
> > > throwitout wrote:
>
> > > First three years of ownership? They are pretty much technology obsolete
> > > after two years.
>
> > Obsolete?
> > Sometimes you have to recognize when good enough is good enough.
>
> > At work, our laptops are on a 2-year lease. That means every two years,
> > I waste a week or more trying to locate and reload all the non-standard
> > software I use, and then hope I can get it all to work again.
>
> > And what does having the latest technology buy me?
> > A bigger, heavier laptop, with a wide screen that makes circles look
> > like eggs.
>
> > A different operating system.
> > Now some of my old software doesn't work anymore.
> > Now every few days when I boot up, the operating system shuts itself
> > down "to protect" itself.
>
> > I'd gladly swap my new laptop back for the obsolete one.
> > At least everything worked right on the obsolete computer.
>
> > Don
>
> I didn't make a case about that one way or the other. I agree with you
> on the "frugal" level - you get nothing much more than bells and
> whistles, and little if none at all increase in practical functionality
> under forced obsolescence courtesy of Mr. Bill and M$.

And Mr. Jobs and Apple.

> But when you
> reach the level of "Mr. Bill no longer supports this operating system"
> and the new operating system requirements are beyond the hardware of the
> existing lap top, you don't have much choice in the matter.

Yes you do. You can upgrade, you can not upgrade, you can run an
alternative operating system. My laptop runs Windows 98, which "Mr.
Bill no longer supports" however it is still useful as a word
processing and web surfing machine.

> You also run
> into, from the hardware side, "We will not be producing hardware driver
> updates for Mr. Bill's new operating system for your lap top."
> Translates: "Why would we do that? There's no money in it - go buy a new
> computer."

Generally a certain number of existing hardware drivers are included
with new operating systems. Except apple. "What you don't have a
Firewire port? Sorry, no new MacOS for you."

> You either continue using the old lap top until you hit a functionality
> wall when "X" just won't work with the existing hardware and old
> operating system.

If you have application "X" that runs on operating system "Y", that
version of "X" will continue to work on that version of "Y" regardless
of what new versions come out.

>And/or you are forced into a purchase you would rather
> not make.

I can't run Office 2007 on my apple II Waaaaaaaaaaaaaaaaaa

> One way or the other, as long as M$ domination continues to
> exist, and planned operating system obsolescence carries on, the forced
> hardware and software upgrades largely go unchecked. That was the only
> point I was making about a lap top being largely obsolete after two
> years. Given the choice, only geeks and lemmings drool over any new
> release from M$, just because they are geeks and lemmings.

My 6 year old computer can run pretty much any new application that
isn't 3-D intensive. The operating system (XP) will continue to be
supported for a few years. This is pretty good mileage out of my
hardware. Vista is the first Microsoft operating system upgrade in
years. Compare to Apple which seems to release one a year, charges
ridiculous amounts to upgrade, and has more hardware obsoleteness.

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5d0144a34f481273?hl=en
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==============================================================================
TOPIC: Driveway width
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/327c9437490728a7?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Sep 3 2007 8:17 am
From: Abe

>All houses on the street are built on lots that are 60' wide, and all
>have two car garages. All garages have driveways that lead into the
>street and slope down to the street by becoming wider by two feet on
>each side angling up toward the curb so as not to drop too suddenly on
>the street. A neighbor has recently rebuilt his driveway, but instead of
>a two-foot widening on each side has built a 3-foot slope on each side,
>thus reducing on street parking to less cars in front of his house (we
>live near a university, and a lot of students park on our street.)
>
>My question: would it be permissible for others to do the same thing, if
>they so wish, and is it legal?
As others have said, it depends on the laws in your locality. But
having owned property in a high density area (Seattle, WA, university
district) where street parking is at a premium, I can tell you that
altering the parking footprint without permission from the city is
illegal. Only the city can do that, or approve that. From what you
say, it doesn't sound like he's changed the parking footprint, but
just added slopes on either side of the actual driveway. He might
think he's created a buffer around his driveway, but he is mistaken.

>I looked up parking restrictions on our
>city streets, but could find nothing to address this issue. Also, is it
>legal to park in front of that slope as long as it doesn't obstruct the
>two-car driveway?
Yes. You only need to respect the actual driveway. The added slopes
are not part of it.

== 2 of 2 ==
Date: Mon, Sep 3 2007 9:04 am
From: "Don"

"Jack Ricci"> wrote
> All houses on the street are built on lots that are 60' wide, and all
> have two car garages. All garages have driveways that lead into the
> street and slope down to the street by becoming wider by two feet on
> each side angling up toward the curb so as not to drop too suddenly on
> the street. A neighbor has recently rebuilt his driveway, but instead of
> a two-foot widening on each side has built a 3-foot slope on each side,
> thus reducing on street parking to less cars in front of his house (we
> live near a university, and a lot of students park on our street.)
>
> My question: would it be permissible for others to do the same thing, if
> they so wish, and is it legal? I looked up parking restrictions on our
> city streets, but could find nothing to address this issue. Also, is it
> legal to park in front of that slope as long as it doesn't obstruct the
> two-car driveway? It is hard to explain the situation, but it is real.
> It would be costly to redo the part that touches the street, but would
> also at the same time be helpful. I do not want to antagonize the
> neighbor who is difficult at best, and do not want to complain to the
> city about something which might be perfectly legal.
>
> Can someone advise me? Thank you.

Its none of your business.
Find something constructive to do with your time.
Seems like the US is turning into nothing but thugs and snitches.

==============================================================================
TOPIC: Are you Waiting for Google Smart Phone
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6d56456586631245?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 3 2007 9:13 am
From: think

here are some news and pics of Google pocket PC...
http://9bignews.googlepages.com/gphone_is_comming

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Monday, September 3, 2007

25 new messages in 12 topics - digest

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