Monday, September 10, 2007

25 new messages in 7 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:

* Do you like paying for air? (food packages) - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/af114586924248d4?hl=en
* Drive your car to death, save $31,000 - 12 messages, 8 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23a659a15b17cab8?hl=en
* Tomato paste - 7 messages, 7 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bf6768d86eb5418f?hl=en
* When news media whine about 'labor shortages' it simply means employers don'
t want to pay existing workers as much - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c75d3f8f8d3003a2?hl=en
* "vintage" Revereware - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7ca72a41c401c219?hl=en
* Read each email for $10, $75 and $300....real money - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ac9a4cf182f71d8b?hl=en
* Make money from your easy chair! - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/dfae9bc4afb4350e?hl=en

==============================================================================
TOPIC: Do you like paying for air? (food packages)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/af114586924248d4?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 9:28 am
From: Too_Many_Tools


On Sep 10, 6:01 am, TwoAllBeefPatties <kwo...@hotmail.com> wrote:
> On Sep 9, 8:36 pm, Anthony Matonak
>
> <anthony...@nothing.like.socal.rr.com> wrote:
> > OhioGuy wrote:
>
> ".........the answers are usually money or sex......"
>
> Or religion.

Or for Republicans it involves all three...at the same time...in a
bathroom stall at the airport.

TMT


==============================================================================
TOPIC: Drive your car to death, save $31,000
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23a659a15b17cab8?hl=en
==============================================================================

== 1 of 12 ==
Date: Mon, Sep 10 2007 9:38 am
From: Too_Many_Tools


On Sep 9, 5:59 pm, SQ <onestatus...@yahoo.com> wrote:
> I once had 4 beaters in various stages of deterioration.
>
> A full size GM vehicle, 13 years old, had 180K miles, an engine with
> 100K miles and a few major dents caused by deer which made
> it look questionable but did not inhibit the driving
> abilities.
>
> Second one was a compact Subaru, had 200K+ miles on body,
> 100K on engine and 50K on tranny, 12 years old.
>
> Third was a compact Ford product, 120K on it and was 17 years old.
>
> Fourth was full size Ford truck with 100K on body and 60K on engine
> but
> was 20 years old.
>
> Well - I couldn't keep more than 2 on the road at any one time
> on the average due to various issues. Fuel pumps, EFI problems,
> exhaust, wheel bearings, tune up, alternator, starter,
> power windows... power steering gear box, timing belts,
> neutral safety switch and much more.
>
> Once I had mice or some critters chew through the fuel pump
> wiring and the vehicle would work randomly. Took me a while
> to troubleshoot this one.
>
> It took me weeks to fix something - by shopping around for
> the absolute cheapest part, usually used, online, or often
> at junk yards. Then finding the time and the place to fix it.
> Sure I could have taken them to an auto repair and paid
> $400 (as least) for work like fuel pump replacement, but it's so
> satisfactory doing it yourself for a fraction of the cost.
>
> I even tried trading all 4 beaters for a normal car
> without success.

One's time is not free...never has been...never will be.

Many times it is more economical to get a minimum wage job and pay
someone else to do the car repair.

TMT

== 2 of 12 ==
Date: Mon, Sep 10 2007 10:15 am
From: Vic Smith


On Mon, 10 Sep 2007 09:38:55 -0700, Too_Many_Tools
<too_many_tools@yahoo.com> wrote:


>
>One's time is not free...never has been...never will be.
>
>Many times it is more economical to get a minimum wage job and pay
>someone else to do the car repair.
>
If you value time, it might be better spent learning to do the repair
than working 40 hours at min wage to pay a mechanic for a couple
hours work.
Better yet, learn to select cars that require few repairs.
Another suggestion for those who aren't confident about diagnostics
is to pay a pro for diagnostics, then do the repair yourself.
Sometimes an amateur takes more time to diagnose the actual problem
than doing the repair itself, and often throws unneeded parts at the
problem, causing more expense than necessary.

--Vic

== 3 of 12 ==
Date: Mon, Sep 10 2007 11:40 am
From: "Rod Speed"


Too_Many_Tools <too_many_tools@yahoo.com> wrote:
> On Sep 9, 5:59 pm, SQ <onestatus...@yahoo.com> wrote:
>> I once had 4 beaters in various stages of deterioration.
>>
>> A full size GM vehicle, 13 years old, had 180K miles, an engine with
>> 100K miles and a few major dents caused by deer which made
>> it look questionable but did not inhibit the driving
>> abilities.
>>
>> Second one was a compact Subaru, had 200K+ miles on body,
>> 100K on engine and 50K on tranny, 12 years old.
>>
>> Third was a compact Ford product, 120K on it and was 17 years old.
>>
>> Fourth was full size Ford truck with 100K on body and 60K on engine
>> but
>> was 20 years old.
>>
>> Well - I couldn't keep more than 2 on the road at any one time
>> on the average due to various issues. Fuel pumps, EFI problems,
>> exhaust, wheel bearings, tune up, alternator, starter,
>> power windows... power steering gear box, timing belts,
>> neutral safety switch and much more.
>>
>> Once I had mice or some critters chew through the fuel pump
>> wiring and the vehicle would work randomly. Took me a while
>> to troubleshoot this one.
>>
>> It took me weeks to fix something - by shopping around for
>> the absolute cheapest part, usually used, online, or often
>> at junk yards. Then finding the time and the place to fix it.
>> Sure I could have taken them to an auto repair and paid
>> $400 (as least) for work like fuel pump replacement, but it's so
>> satisfactory doing it yourself for a fraction of the cost.

>> I even tried trading all 4 beaters for a normal car without success.

> One's time is not free...never has been...never will be.

Wrong. Plenty of time your time is free, when you would
otherwise veg out in front of the TV instead etc.

> Many times it is more economical to get a minimum
> wage job and pay someone else to do the car repair.

Or do the work on your car outside work time. Not a shred of rocket science required whatever.


== 4 of 12 ==
Date: Mon, Sep 10 2007 11:37 am
From: "Rod Speed"


bungalow_steve@yahoo.com wrote
> Rod Speed <rod.speed....@gmail.com> wrote
>> SQ <onestatus...@yahoo.com> wrote

>>> IMO and my experience, making a vehicle last for decades takes either
>>> a very large bank account or an outstanding shade tree mechanic skill set.

>> You need to choose the cars you buy more carefully.

>> My last one lasted 30+ years with only a couple of very minor
>> maintenance costs, one for the alternator regulator and the
>> other for a fuel hose. Total cost of less than $100.

> Something doesn't sound right,

Fraid so.

> how many miles a year do you put on the car?

Dunno, the odo broke at about year 15 and I didnt bother to replace it.

> No front end work in 30 years?

None.

> No belts?

Changed the fan belt a few times, but thats a consumable like tires and batterys etc.

> No coolant/oil/brake fluid changes/refills/top offs? No plugs?

Corse there were, but again, those are consumables, not repairs.

> No rotors?

Yeah, forgot that one, add another $5.

> No muffllers? No shocks?

Nope.

> I know guys who lease cars who don't do anything
> (and I mean anything) for 3 years but not 30 years.

You need to get out more and separate consumables from repairs too.


== 5 of 12 ==
Date: Mon, Sep 10 2007 11:48 am
From: Seerialmom


On Sep 8, 8:17 pm, Gordon <go...@alltomyself.com> wrote:
> SQ <onestatus...@yahoo.com> wrote innews:1189225873.713971.231390@d55g2000hsg.googlegroups.com:
>
>
>
> > Comments?
> > It seems to me that driving a car to 225,000 miles or buying a new one
> > every
> > year are two extremes? Maybe there is an optimum mileage/age for
> > upgrade?
>
> > If you are DIY type, I can see how taking a car to 200K miles and
> > beyond
> > is not an issue...
>
> It can be done. I took a '89 Mazda 626 to 195,000 before my
> wife burned out the clutch. It could have gone much further.
> I think I saved even more money because I bought it 3 years old.
>
> And that's one idea for saving money on cars. A new car looses
> 30-50% of it's value in the first 3 years. After that it looses
> less than 10% of it's value per year. So by buying a three year
> old car you are letting someone else take the sucker punch of the
> highest loss of value.
>
> Now, there are those who say you should buy a three year old car
> and replace it every year. BUt how much wear and tear can you put
> on a car in one year?
>
> So I guess the best idea is to buy a 3 to 5 year old car. Take care
> of it to the best of your abilities. When it starts becoming unrelyable,
> replace it.

I've had no major problems buying older cars for about $1000 to $1200,
mostly just changing oil/tires and driving until I get bored with it 4
years later...and then sell for about the same price. My next to last
car was bought with 36K miles on it, 3 years old....and I drove it
until it had 150K (10 years later) at which point I traded for my
first brand new car. Personally I wish I still had that last car, I
suspect it would have lasted another 100K.

The writer of the article apparently doesn't understand the consumer
mentality though, my own daughter was bought a 92 Camry for
$500....ran just fine...but her BF insisted they had to have a NEW
Dodge Charger...with it's $500 a month payments (not counting
insurance).

== 6 of 12 ==
Date: Mon, Sep 10 2007 11:48 am
From: "Rod Speed"


SQ <onestatusquo@yahoo.com> wrote
> George <geo...@nospam.invalid> wrote

>> Plus obviously the time to do this. If you depend on the car you
>> can't take two days off from work to repair something yourself and
>> if you do any traveling what do you do when something fails two
>> hundred miles from home.-

> Well, you can if you have a backup vehicle.

Those arent the only two alternatives.

> But then that's twice the maintainance,

Nope, the spare wont see that much use.

> insurance, etc.

Not necessarily either.

> With old beaters, you should have two of them,
> when one is down, drive the other and vice-versa.

Thats just one way.

> There is no way I could have done all the DIY work if I had just one vehicle.

Corse you can. I have occasionally had to partially disassemble something,
put it together to go and get what is necessary, then complete the job etc, and
other times its been trivial to walk to where the part is available or ride a bike.

> As I said, I had several either old or high mileage cars
> and it was a constant exercise in auto repair skills. There
> was always something broken down and needing wrenching.

Then you picked the wrong cars to keep that long.

> Some projects I just couldn't figure out, like electrical issues with an airbag.

Never had any of those myself.

> But it might be wiser to get a newer normal vehicle with lower miles and
> a lower chance of breaking down and having an unplanned downtime.

Or just pick a car that is properly designed and isnt a steaming turd on wheels.

> Then plan the repairs, i.e. start changing the timing belt on Friday
> night so it's ready by Saturday (hopefully). And in general, fix things
> before they break and leave you stranded.

Yep, thats generally what I do. If say a wheel bearing
fails, replace them both at the same time etc.

And replace the stuff like radiator hoses before they blow etc.

> I am beginning to wonder if I should replace things like the starter and
> battery and more preemptively before they go bad on me and leave
> me stranded so I have to have it towed to a shop for $399 special.

Yes with the battery but not with the starter.

Tho it doesnt necessarily cost any more to replace a battery when its
on its last legs, you do get some warning that it needs replacement.


== 7 of 12 ==
Date: Mon, Sep 10 2007 1:11 pm
From: Dennis


On Sun, 09 Sep 2007 14:36:03 -0400, Rick <rickajho@rcn.com> wrote:

>Specifically, what about the Toyota Corolla? Are the tales about
>longevity with low repair problems a myth or is it true?

Mine just turned over 100K -- nothing but normal maintenance (oil
changes, tune ups, tires, batteries and the like) so far. Still going
on the original clutch and brakes. I'll let you know in six or seven
years how it's doing at 200K. :-)

Dennis (evil)
--
The honest man is the one who realizes that he cannot
consume more, in his lifetime, than he produces.

== 8 of 12 ==
Date: Mon, Sep 10 2007 1:14 pm
From: James


On Sep 10, 2:48 pm, "Rod Speed" <rod.speed....@gmail.com> wrote:
> SQ <onestatus...@yahoo.com> wrote
>
> > George <geo...@nospam.invalid> wrote
> >> Plus obviously the time to do this. If you depend on the car you
> >> can't take two days off from work to repair something yourself and
> >> if you do any traveling what do you do when something fails two
> >> hundred miles from home.-
> > Well, you can if you have a backup vehicle.
>
> Those arent the only two alternatives.
>
> > But then that's twice the maintainance,
>
> Nope, the spare wont see that much use.
>
> > insurance, etc.
>
> Not necessarily either.
>
> > With old beaters, you should have two of them,
> > when one is down, drive the other and vice-versa.
>
> Thats just one way.
>
> > There is no way I could have done all the DIY work if I had just one vehicle.
>
> Corse you can. I have occasionally had to partially disassemble something,
> put it together to go and get what is necessary, then complete the job etc, and
> other times its been trivial to walk to where the part is available or ride a bike.
>
> > As I said, I had several either old or high mileage cars
> > and it was a constant exercise in auto repair skills. There
> > was always something broken down and needing wrenching.
>
> Then you picked the wrong cars to keep that long.
>
> > Some projects I just couldn't figure out, like electrical issues with an airbag.
>
> Never had any of those myself.
>
> > But it might be wiser to get a newer normal vehicle with lower miles and
> > a lower chance of breaking down and having an unplanned downtime.
>
> Or just pick a car that is properly designed and isnt a steaming turd on wheels.
>
> > Then plan the repairs, i.e. start changing the timing belt on Friday
> > night so it's ready by Saturday (hopefully). And in general, fix things
> > before they break and leave you stranded.
>
> Yep, thats generally what I do. If say a wheel bearing
> fails, replace them both at the same time etc.
>
> And replace the stuff like radiator hoses before they blow etc.
>
> > I am beginning to wonder if I should replace things like the starter and
> > battery and more preemptively before they go bad on me and leave
> > me stranded so I have to have it towed to a shop for $399 special.
>
> Yes with the battery but not with the starter.
>
> Tho it doesnt necessarily cost any more to replace a battery when its
> on its last legs, you do get some warning that it needs replacement.

Its a crap shoot.

You can get a car that will last. One of my staff has a Honda Accord
with close to 900,000 kms (second engine, lots of body work).

On the other hand I had a lemon - a Chrysler Intrepid which I bought
as a 3 year old off lease, and cost me close to 8,000 in repairs over
a 5 year period. Yes I'm an idiot, but when you owe more than the car
is worth its a tough decision. You always think that after you replace
something it should be good for the life of the car. I finally bit the
bullet when the amount required for the next repairs was $1400. And
just to prove a point I was much more careful than my staff memeber
when buying the car - I bought at a reputable place, got an extended
warranty (expired just before the tranny), check the service history
with a fine tooth comb (well maintained).

My current car, on the other hand, did not come with a service
history, but had been bought and gone over by a dealer I trust. I did
run it through Carfax and it was clean. Its now 5 years old, and the
only major issue has been a wheel bearing, othe than consumables like
brakes.

Some models can have more lemons than others, but its still a crap
shoot - even the best manufacturers make some bad ones, and the worst
ones well, they have their fans too.

James


== 9 of 12 ==
Date: Mon, Sep 10 2007 1:32 pm
From: Dennis


On Mon, 10 Sep 2007 12:15:29 -0500, Vic Smith
<thismailautodeleted@comcast.net> wrote:

>If you value time, it might be better spent learning to do the repair
>than working 40 hours at min wage to pay a mechanic for a couple
>hours work.
>Better yet, learn to select cars that require few repairs.
>Another suggestion for those who aren't confident about diagnostics
>is to pay a pro for diagnostics, then do the repair yourself.
>Sometimes an amateur takes more time to diagnose the actual problem
>than doing the repair itself, and often throws unneeded parts at the
>problem, causing more expense than necessary.

Yep, the shotgun approach can get expensive. A while back, my wife's
car (a Mazda) suddenly began running rough and then the dreaded "Check
Engine" light came on. I made a few cursory checks, didn't find
anything obvious, and took it in to a local independent mechanic.
Their diagnostic read "Misfire" from the car's computer and he found a
defective plug wire. Fifty bucks for the diagnosis, another thirty
bucks at the local parts house for a set of plug wires, twenty minutes
of my time to install them and her car runs like a champ again. Wife
is happy. I am happy. All is well.

Dennis (evil)
--
I'm behind the eight ball, ahead of the curve, riding the wave,
dodging the bullet and pushing the envelope. -George Carlin

== 10 of 12 ==
Date: Mon, Sep 10 2007 1:54 pm
From: clams casino


Dennis wrote:

>On Sun, 09 Sep 2007 14:36:03 -0400, Rick <rickajho@rcn.com> wrote:
>
>
>
>>Specifically, what about the Toyota Corolla? Are the tales about
>>longevity with low repair problems a myth or is it true?
>>
>>
>
>Mine just turned over 100K -- nothing but normal maintenance (oil
>changes, tune ups, tires, batteries and the like) so far. Still going
>on the original clutch and brakes. I'll let you know in six or seven
>years how it's doing at 200K. :-)
>
>Dennis (evil)
>
>

I just replaced the original battery this past spring on my 2000 Accord
which is currently at 176k miles. I'll likely need a third set of
tires in December (could likely stretch longer, but I want a good tread
for the winter). I do my own oil changes each 5k, but have the Honda
dealer run their major maintenance at each 35k interval. The water
pump & timing gear were replaced at 105k per the standard maintenance.
Brakes were replaced at about 125k. One headlight was replaced at
about 120k. Alternator was replaced at 135k. Front end was aligned at
90k. The tires have been rotated only at major maintenance intervals &
have not required balancing. I'll likely have the front end aligned
again when the tires are changed. The radio / cassette player had to be
replaced at 150k. The interior / exterior are holding up extremely
well, but I did replace the floor mats at 150k to make it look nice.
The front carpet mats started to look dirty, but I had to buy a full set.

I'm figuring it's at perhaps about half its life.

I recently rented a 2007 Chevrolet Impala. I hope the Accord never
drives as poorly as that Impala did at 10k.

== 11 of 12 ==
Date: Mon, Sep 10 2007 1:59 pm
From: "Rod Speed"


James <jlinn@idirect.com> wrote
> Rod Speed <rod.speed....@gmail.com> wrote
>> SQ <onestatus...@yahoo.com> wrote
>>> George <geo...@nospam.invalid> wrote

>>>> Plus obviously the time to do this. If you depend on the car you
>>>> can't take two days off from work to repair something yourself and
>>>> if you do any traveling what do you do when something fails two
>>>> hundred miles from home.-

>>> Well, you can if you have a backup vehicle.

>> Those arent the only two alternatives.

>>> But then that's twice the maintainance,

>> Nope, the spare wont see that much use.

>>> insurance, etc.

>> Not necessarily either.

>>> With old beaters, you should have two of them,
>>> when one is down, drive the other and vice-versa.

>> Thats just one way.

>>> There is no way I could have done all the DIY work if I had just one vehicle.

>> Corse you can. I have occasionally had to partially disassemble something,
>> put it together to go and get what is necessary, then complete the
>> job etc, and other times its been trivial to walk to where the part
>> is available or ride a bike.

>>> As I said, I had several either old or high mileage cars
>>> and it was a constant exercise in auto repair skills. There
>>> was always something broken down and needing wrenching.

>> Then you picked the wrong cars to keep that long.

>>> Some projects I just couldn't figure out, like electrical issues with an airbag.

>> Never had any of those myself.

>>> But it might be wiser to get a newer normal vehicle with lower miles and
>>> a lower chance of breaking down and having an unplanned downtime.

>> Or just pick a car that is properly designed and isnt a steaming turd on wheels.

>>> Then plan the repairs, i.e. start changing the timing belt on Friday
>>> night so it's ready by Saturday (hopefully). And in general, fix
>>> things before they break and leave you stranded.

>> Yep, thats generally what I do. If say a wheel bearing
>> fails, replace them both at the same time etc.

>> And replace the stuff like radiator hoses before they blow etc.

>>> I am beginning to wonder if I should replace things like the starter and
>>> battery and more preemptively before they go bad on me and leave
>>> me stranded so I have to have it towed to a shop for $399 special.

>> Yes with the battery but not with the starter.

>> Tho it doesnt necessarily cost any more to replace a battery when its
>> on its last legs, you do get some warning that it needs replacement.

> Its a crap shoot.

Nope, there are indeed some notorious steaming turds on wheels
that should be avoided if you want to keep a car that long.

I didnt initially intend to keep it for 30+ years expected only say 20
or so and it turned out to need so little repairs wise that it made sense
to keep it for that long. And it only stopped being viable at that time
because I had been stupid enough to not attend to the known windscreen
leak until I eventually got floor corrosion. It wouldnt have cost much to
replace the rubber seal to eliminate that problem completely.

> You can get a car that will last. One of my staff has a Honda Accord
> with close to 900,000 kms (second engine, lots of body work).

> On the other hand I had a lemon - a Chrysler Intrepid which
> I bought as a 3 year old off lease, and cost me close to 8,000
> in repairs over a 5 year period. Yes I'm an idiot, but when you
> owe more than the car is worth its a tough decision.

And that problem could have been avoided with
more careful choice of the car in the first place.

> You always think that after you replace something
> it should be good for the life of the car.

Not when its got an obvious design deficiency.

> I finally bit the bullet when the amount required for the next repairs
> was $1400. And just to prove a point I was much more careful than
> my staff memeber when buying the car - I bought at a reputable place,
> got an extended warranty (expired just before the tranny), check the
> service history with a fine tooth comb (well maintained).

But didnt choose the brand and model carefully.

And extended warrantys are almost never good value.

> My current car, on the other hand, did not come with a service history,

Thats one reason to buy new, and doesnt affect the total
cost that much with the longer retention times like 30+ years.

> but had been bought and gone over by a dealer I trust. I did run it
> through Carfax and it was clean. Its now 5 years old, and the only major
> issue has been a wheel bearing, othe than consumables like brakes.

Yeah, thats all I had with the car before the 30+ year one.

I only swapped it for the 30+ year one because it was a VW Beetle
which only had opening front side windows and I had a huge Alsatian
dog that was obsessed with having its head out the window all the
time and would slobber down the back of my neck in summer.

> Some models can have more lemons than others,

Yep.

> but its still a crap shoot

Nope.

> - even the best manufacturers make some bad ones,

That get covered by the warranty.

> and the worst ones well, they have their fans too.

Sure, but those arent deliberately buying that car for its low maintenance costs over 30+ years.


== 12 of 12 ==
Date: Mon, Sep 10 2007 2:13 pm
From: me@privacy.net


Dennis <dgw80@hotmail.com> wrote:

>Yep, the shotgun approach can get expensive. A while back, my wife's
>car (a Mazda) suddenly began running rough and then the dreaded "Check
>Engine" light came on

what model and year Mazda was it?

just curious


==============================================================================
TOPIC: Tomato paste
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bf6768d86eb5418f?hl=en
==============================================================================

== 1 of 7 ==
Date: Mon, Sep 10 2007 9:45 am
From: Ken Knecht


Beeblebrox <beeblebrox.ag.NOSPAM@gmail.com> wrote in news:m8_Ei.81222
$lZ7.68931@newsfe20.lga:

> jes wrote:
>> It was recommended to add a couple of tablespoons of tomato paste to
>> homemade soup. The cooked tomatoes bring a lot to the party. The
>> little 4 oz cans are nearly $1.00 each.
>>
>> So at Costco I got a gallon for $2.00. Then I put a piece of plastic
>> wrap on a cookie sheet, and scooped out dollops of the paste -- about
>> hamburger size patties. And froze.
>>
>> One frozen they were peeled off. I put them in a plastic bags, but
>> kept them separated just to make sure none of them stuck. Then stored
>> in the freezer.
>>
>> I had to keep repeating the batches, but it's very convenient and
>> cheap!
>>
>> Joan
>>
>
> i'm thinking ice trays might be easier to do large batches next time. I
> know the food shows suggest them for lots of things. Freeze in the
> trays, they pop into a ziplock. No idea if it leaves a taste in the ice
> tray.

I do this for spaghetti sauce, sour cream & other stuff. Works well for
me. I noticed no extra tastes.


--
Every silver lining has a cloud.

== 2 of 7 ==
Date: Mon, Sep 10 2007 10:33 am
From: Anthony Matonak


Michael Black wrote:
...
> Just last week, I saw a discount box at one local grocery store (I'd never
> seen them do that before) and there were about three large cans of jalapeno
> peppers.
...

Most supermarkets have a discount box, bin, shelf or the like. They
usually hide it in the back or in a corner somewhere. It's where you
find items that are about to expire and seasonal items just after the
season.

Anthony

== 3 of 7 ==
Date: Mon, Sep 10 2007 11:02 am
From: "Jebediah Kornworthy"

"jes" <jesmith100@msn.com> wrote in message
news:1189374855.943770.265440@22g2000hsm.googlegroups.com...
> It was recommended to add a couple of tablespoons of tomato paste to
> homemade soup. The cooked tomatoes bring a lot to the party. The
> little 4 oz cans are nearly $1.00 each.
>
> So at Costco I got a gallon for $2.00. Then I put a piece of plastic
> wrap on a cookie sheet, and scooped out dollops of the paste -- about
> hamburger size patties. And froze.
>
> One frozen they were peeled off. I put them in a plastic bags, but
> kept them separated just to make sure none of them stuck. Then stored
> in the freezer.
>
> I had to keep repeating the batches, but it's very convenient and
> cheap!
>
> Joan
>
______________________________________________________________

That's a great idea, especially if you use a lot of tomato paste. Another
good idea is to take chicken stock and place them in ice-cube tray's.
Sometimes I don't need a full can of even the small can of chicken stock but
freezing them is great when you only need small amount for stews, chili or
whatever.

Jeb

== 4 of 7 ==
Date: Mon, Sep 10 2007 11:27 am
From: Goomba38


Jebediah Kornworthy wrote:

>> So at Costco I got a gallon for $2.00. Then I put a piece of plastic
>> wrap on a cookie sheet, and scooped out dollops of the paste -- about
>> hamburger size patties. And froze.
>>
>> One frozen they were peeled off. I put them in a plastic bags, but
>> kept them separated just to make sure none of them stuck. Then stored
>> in the freezer.
>>
>> I had to keep repeating the batches, but it's very convenient and
>> cheap!
>>
>> Joan
>>

> That's a great idea, especially if you use a lot of tomato paste. Another
> good idea is to take chicken stock and place them in ice-cube tray's.
> Sometimes I don't need a full can of even the small can of chicken stock but
> freezing them is great when you only need small amount for stews, chili or
> whatever.

It was only a great idea up to the point where she wrapped them in
individual plastic bags which defeats any cost savings? They can be
plopped into one decent freezer bag after the blobs are frozen on a
cookie sheet. They won't stick together, or if they do how hard is it to
pry 'em apart??? I also question how smart it is to buy a gallon of
paste if one doesn't use it but in tablespoon at a time quantities?

== 5 of 7 ==
Date: Mon, Sep 10 2007 11:50 am
From: et472@FreeNet.Carleton.CA (Michael Black)


Anthony Matonak (anthonym40@nothing.like.socal.rr.com) writes:
> Michael Black wrote:
> ...
>> Just last week, I saw a discount box at one local grocery store (I'd never
>> seen them do that before) and there were about three large cans of jalapeno
>> peppers.
> ...
>
> Most supermarkets have a discount box, bin, shelf or the like. They
> usually hide it in the back or in a corner somewhere. It's where you
> find items that are about to expire and seasonal items just after the
> season.
>
I realize that. But it was the first time I'd seen such a thing
at this store, and it was mostly "useless" things like massive sized
cans of jalapeno peppers.

Michael

== 6 of 7 ==
Date: Mon, Sep 10 2007 12:51 pm
From: val189


Another
> good idea is to take chicken stock and place them in ice-cube tray's.
> Sometimes I don't need a full can of even the small can of chicken stock but
> freezing them is great when you only need small amount for stews, chili or
> whatever.

When I want, say, a half cup of chicken stock, I use the jar of
"Better than Bouillon" which, though a bit pricey, stores nicely on
your fridge door. Just dip in a small wire whisk and mix it in some
very hot water. I used to make stock, freeze it in small containers
etc - turned out to be a pain - I never could locate it in the freezer
or forgot I even had it.

== 7 of 7 ==
Date: Mon, Sep 10 2007 1:14 pm
From: jes


>
> It was only a great idea up to the point where she wrapped them in individual plastic bags which defeats any cost savings?

No, I don't buy plastic bags. I recycle ziplock bags from, say,
tortillas.

Nor do I put one tomato patty in one bag. I put in 6. Lay 3 across,
with a space between each, fold top over, and lay another 3 on the
next layer. Whether they'd stick or not by tossing them in together,
I don't know nor care. When I want a frozen patty, I want it NOW and
no fooling around chipping.

-- also question how smart it is to buy a gallon of paste if one
doesn't use it but in tablespoon at a time quantities?

No, I don't use a tablespoon at a time. More like a 1/4 of a cup
and usually 1 - 2 times a week. But I use them a lot more now that
they're conveniently on hand.

Obviously, not for everyone. ;-)

Joan


==============================================================================
TOPIC: When news media whine about 'labor shortages' it simply means employers
don't want to pay existing workers as much
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c75d3f8f8d3003a2?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 11:57 am
From: "Rod Speed"


Phred <ppnerkDELETETHIS@yahoo.com> wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Phred <ppnerkDELETETHIS@yahoo.com> wrote
>>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>>> John A. Weeks III <john@johnweeks.com> wrote

>>>>> Or even better, given that over 60% of office space is vacant in downtown
>>>>> St. Paul, why not move some of your operations to the twin cities.

>>>> Because these are usually operations that cant move.

>>>>> You can get cheap class A and class B office space, workers
>>>>> standing in line waiting for jobs, and the government will toss in
>>>>> incentives in both cash and tax avoidance to help you move.

>>>> Useless if you're a mining operation that needs apes to drive haulpaks etc.

>>> They say you get monkeys if you pay peanuts. As these guys are
>>> earning >$80,000 p.a. I guess that's why you get those big apes. ;-)

>> True. In spades with those proof of Darwin's theory, footballers.

> Interesting you should point that out. There's a pic in the back page
> bottom LH corner of today's edition of the tabloid from the tourist
> ghetto of Cairns [_The Cairns Post_ 10 Sep 2007, p.72] that would
> convince even the most skeptical of man's close relationship with the
> great apes. And the guy's only a *coach* of an AFL team! Quite
> possibly his players *are* apes. ;-)

Its even worse with League rather than AFL and soccer |-)

>>> Incidentally, mate of mine was looking for a carpenter recently for
>>> a job in PNG. No one around here was interested unless it was at
>>> least $10,000/month cash in hand after tax. As he said, that was a
>>> bit rich; they were hoping to get one for about $8,000/month after tax. :)
>>> [For the record: at the present time AUD10,000 is about USD8,300.]

>> And then there's getting them to work in Iraq.

> Yeah. At least in PNG it's only a short hop for retreat. (Actually,
> parts of the place probably aren't too bad. I know a couple of
> blokes who've spent fairly long stints in mines in the highlands
> for example [one's still there]. Just keep out of Moresby!)

Some of the highlands have got so bad that even the cops have given up on
them as being too dangerous with the apes now with AKs etc. Things have
got a lot more gung ho now, nothing like Joe Lahey's Neighbours anymore.

The mines arent so bad, it isnt that hard to keep the locals down, until
the shit hits the fan very spectacularly indeed like with Panguna etc.

It isnt hard to see why many prefer the Pilbara etc where the worst
that can happen is a decent cyclone or two and living in a tent etc.



==============================================================================
TOPIC: "vintage" Revereware
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7ca72a41c401c219?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Sep 10 2007 12:35 pm
From: Wooly


My mother-in-law just gave me all of her "old" pots and pans - mostly
1801-series Revereware, with a smattering of Revereware manufactured
before Revere started hallmarking their products with the production city.

I'm thrilled, to say the least.

Unfortunately one of the skillets has substantial staining on the
stainless (hah) interior. I've scrubbed it with steel wool and
degreaser, steel wool and castille soap, and green scrubby and Ajax
cleanser. Nothing moves the stain. Is the skillet safe to use in this
condition or should I count my blessings and toss the thing in the
recycle bin as a lost cause?

Also, does anyone know offhand the oven temp rating for the black
handles on the 1980s/1990s Revereware?

== 2 of 2 ==
Date: Mon, Sep 10 2007 2:55 pm
From: "Melissa"

"Wooly" <nobody@nunya> wrote in message
news:46e59c44$0$18999$4c368faf@roadrunner.com...
> My mother-in-law just gave me all of her "old" pots and pans - mostly
> 1801-series Revereware, with a smattering of Revereware manufactured
> before Revere started hallmarking their products with the production city.
>
> I'm thrilled, to say the least.
>
> Unfortunately one of the skillets has substantial staining on the
> stainless (hah) interior. I've scrubbed it with steel wool and
> degreaser, steel wool and castille soap, and green scrubby and Ajax
> cleanser. Nothing moves the stain. Is the skillet safe to use in this
> condition or should I count my blessings and toss the thing in the
> recycle bin as a lost cause?
>
> Also, does anyone know offhand the oven temp rating for the black
> handles on the 1980s/1990s Revereware?

It runs in my mind that cream of tartar, made into a paste, and left to
stand, can clean off stains from stainless steel. I also have some older
Reverware with the copper bottoms. They are from the 1960's I think, and
they still are fine. The handles can probably handle up to 350 degrees, but
I don't know that for sure.

Melissa



==============================================================================
TOPIC: Read each email for $10, $75 and $300....real money
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ac9a4cf182f71d8b?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 12:58 pm
From: Sudip


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==============================================================================
TOPIC: Make money from your easy chair!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/dfae9bc4afb4350e?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 1:47 pm
From: Sam


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Google Groups: http://groups.google.com?hl=en

25 new messages in 9 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:

* What ever happened to Ebay's unsold item credit? - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ccba27ea7be6064d?hl=en
* Do you like paying for air? (food packages) - 11 messages, 8 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/af114586924248d4?hl=en
* Drive your car to death, save $31,000 - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23a659a15b17cab8?hl=en
* Tomato paste - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bf6768d86eb5418f?hl=en
* When news media whine about 'labor shortages' it simply means employers don'
t want to pay existing workers as much - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c75d3f8f8d3003a2?hl=en
* MAKE MONEY QUICK! NO SCAM! $$$$$$ - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5d2ff5f56f4dab02?hl=en
* Suing a Dentist - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ef6126f6980eacfc?hl=en
* Saturn (car) problems - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c2af5318e6470d68?hl=en
* Probe of seminar for seniors finds fraud - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1911571cce48de05?hl=en

==============================================================================
TOPIC: What ever happened to Ebay's unsold item credit?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ccba27ea7be6064d?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Sep 10 2007 1:45 am
From: clams casino


OhioGuy wrote:

>>I suspect "nothing". Such a rebate certainly never existed within> the
>>time that I've been ebaying (since 1999). Makes no sense, at all.
>>
>>
>
> I was selling things on Yahoo auctions and Ebay from 1995 or 1996.
>Originally, it was completely free on Ebay, then they started charging a
>listing fee. I believe they would refund the fee if the item didn't sell.
>
> This was back when they were under a lot of pressure from Yahoo auctions.
>YA was offering their auctions completely free - no listing fee, no final
>value fees. Ebay couldn't really raise their fees with that kind of
>competition. However, Yahoo made the mistake of starting to charge a 10
>cent listing fee, skipping the 5 cent mark completely, and lots of people
>went back over to Ebay. After that, Yahoo went back to free, but it was too
>late. Then Ebay had the field to itself, pretty much, and the fee hikes
>started.
>
>
>
>
Free auctions are always doomed for failure as their listings tend to
draw mostly scams, garbage and very inexperienced / poor sellers.
Having a minimum listing fee tends to weed out a good portion of the crap.

== 2 of 3 ==
Date: Mon, Sep 10 2007 2:14 am
From: Anthony Matonak


clams casino wrote:
...
> Free auctions are always doomed for failure as their listings tend to
> draw mostly scams, garbage and very inexperienced / poor sellers.
> Having a minimum listing fee tends to weed out a good portion of the crap.

These days there are more and more things which Ebay will not allow
to be sold. These include guns, souls, virginity and basically anything
illegal. I can see where this provides an opportunity for other auction
sites.

Anthony

== 3 of 3 ==
Date: Mon, Sep 10 2007 8:39 am
From: Derald


"OhioGuy" <none@none.net> wrote:

>I was selling things on Yahoo auctions and Ebay from 1995 or 1996
Wow; you must be really old ;-) I guess the answer is, "It went
away". Surely, the business opportunity was too good to pass up. Then,
again, maybe the ebay folks could foresee a free *markeplace* devolving
into Craig's list or, even worse (IMO), freecycle.
I've never minded the fees but, as I say, I've never experienced
ebay without them. At any rate, the essentials of ebay's present-day
listing and relisting charges have been in place for all of the time
that I've been fooling with it.
--
Derald


==============================================================================
TOPIC: Do you like paying for air? (food packages)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/af114586924248d4?hl=en
==============================================================================

== 1 of 11 ==
Date: Mon, Sep 10 2007 3:58 am
From: "OhioGuy"


Sav-A-Lot, and Wal-Mart. You can still select a 1# bag
> of potato chips. Just look for the proper sized bag and buy that


Save-A-Lot is actually the store I was referring to.

Yes, they do have a 16 ounce bag of potato chips, but not the cheap store
brand - only in the much more expensive "Lay's" brand. It almost seems as
though they are going out of their way to drive people over to the more
expensive items.

In fact, while they used to advertise how much saving you could do
shopping there, now it seems like they are carrying brand name items that
cost a lot more.


== 2 of 11 ==
Date: Mon, Sep 10 2007 4:01 am
From: "OhioGuy"


>You're willing to pay twice as much as you used to on a per-unit basis for
>those same chips

But I'm not - I haven't bought any of their potato chips since back when I
noticed the bags dropped from 14 ounces.


== 3 of 11 ==
Date: Mon, Sep 10 2007 4:01 am
From: TwoAllBeefPatties


On Sep 9, 8:36 pm, Anthony Matonak
<anthony...@nothing.like.socal.rr.com> wrote:
> OhioGuy wrote:

".........the answers are usually money or sex......"


Or religion.

== 4 of 11 ==
Date: Mon, Sep 10 2007 4:10 am
From: George


Marsha wrote:
> OhioGuy wrote:
>

>
> You can be sure that anything marked New and Improved will be less of a
> value to the consumer. Bleach is one example that comes to mind. The
> non-splash bottle has about 4-6 oz. less than the regular bleach bottle,
> yet charges the same price. Go figure....
> Marsha/Ohio
>
Then there is the pre-mixed (diluted 50% with water) automotive
anti-freeze that now sells for the same price as the non-diluted version.

== 5 of 11 ==
Date: Mon, Sep 10 2007 5:31 am
From: clams casino


George wrote:

> Marsha wrote:
>
>> OhioGuy wrote:
>>
>
>>
>> You can be sure that anything marked New and Improved will be less of
>> a value to the consumer. Bleach is one example that comes to mind.
>> The non-splash bottle has about 4-6 oz. less than the regular bleach
>> bottle, yet charges the same price. Go figure....
>> Marsha/Ohio
>>
> Then there is the pre-mixed (diluted 50% with water) automotive
> anti-freeze that now sells for the same price as the non-diluted version.

I noticed that this weekend at Walmart for Prestone window wash.

== 6 of 11 ==
Date: Mon, Sep 10 2007 8:39 am
From: Derald


"OhioGuy" <none@none.net> wrote:

>Why do they do this?
Maybe potato subsidies were cut? A potato shortage in some faraway
land? Because doing so made the product, in some way, "better" (just
ask'em)?. Because it's The American Way right before your very eyes?
--
HTH,
Derald

== 7 of 11 ==
Date: Mon, Sep 10 2007 8:38 am
From: Rick


OhioGuy wrote:
>
> Recently, I noticed that a local grocery store started putting more air,
> and less product, in their store brand potato chip bags. 2 months ago, the
> bags had 12 ounces of potato chips - now they have 8. A couple of years
> ago, they had 14 ounces. I remember that about 6 or 7 years ago, it was a
> full 16 ounces - a pound.
>
> Now they are putting half the product in the bags, but they have left the
> price the same - a dollar. I would much rather that they leave the size of
> the product the same, and I find it insulting that they make the bags look
> the same size, and they are the same price, but you only get half what you
> did a few years ago.
>
> The same has happened to a lesser extent with several other items - graham
> crackers, for instance. The boxes used to have a full pound. Now it is 14
> ounces, and there is empty space in the box.
>
> Why do they do this? It infuriates me, and makes me feel like my
> intelligence is being insulted.

Why? They just likes to screw with your head...

This happens all the time. You get less for more $$$ as any given
company tries to increase profits. We do live in a capitalist society.
The back inside page of Consumer Reports dedicates an entire section of
"Selling It" to examples of the worst food product packaging devoted to
convincing you that there is more in the package than you think. The
examples are funny - yet pathetic - at the same time.

Just one more reason why you have to be a very savvy shopper and really
look at what you are buying.

Rick

== 8 of 11 ==
Date: Mon, Sep 10 2007 8:45 am
From: Rick


George wrote:
>
> Marsha wrote:
> > OhioGuy wrote:
> >
>
> >
> > You can be sure that anything marked New and Improved will be less of a
> > value to the consumer. Bleach is one example that comes to mind. The
> > non-splash bottle has about 4-6 oz. less than the regular bleach bottle,
> > yet charges the same price. Go figure....
> > Marsha/Ohio
> >
> Then there is the pre-mixed (diluted 50% with water) automotive
> anti-freeze that now sells for the same price as the non-diluted version.

From the same "How Dumb Do You Think a Consumer Really Is?" marketing
department: My favorite is "lite" juices that are just regular juices
mixed with added water. Profound revelation: If you want a "lite" juice,
do it yourself.

But these juices are still on the store shelves so I guess P. T. Barnum
is still right...

Rick

== 9 of 11 ==
Date: Mon, Sep 10 2007 9:03 am
From: clams casino


Rick wrote:

> My favorite is "lite" juices that are just regular juices
>mixed with added water. Profound revelation: If you want a "lite" juice,
>do it yourself.
>
>
>

Of course, they simply stole that directly from the beer companies.

== 10 of 11 ==
Date: Mon, Sep 10 2007 9:24 am
From: "Bill"


Placing less food in a package and making it look like you are getting a lot
is quite an art...

With chips, it is desirable that they have bends and ripples. This is so
they will stack in the package with more air between each chip.

With frozen foods, they use a big retectangular box, then place an oval
container inside this, then this container has several individual
compartments with the sides of each compartment sloping in. Then they only
fill each compartment enough to cover the bottom. The amount of food in one
of these boxes can be measured in tablespoons! (Although looking at it from
the top down, it looks like a "plate full".)

With dry foods in a box, they can make the pieces odd shaped and crinkled so
they don't lay flat against each other - adding more air.

Or adding "crisped (puffed) rice" to chocolate bars, you get a lot of air.

With paper products like paper towels or toilet paper, they can add little
indentations or dimples on the surface of the paper so it does not roll as
tightly - has more air and less paper in the roll, but roll looks just as
big around.

Then they can inject air into bars of soap. (I buy the heaviest bar - lasts
longer.)

With cheap stereo systems, it will be a big box with lots of air inside. Or
a big speaker cabinet, yet small speakers. (I buy by what it sounds like,
not what it looks like.)


"OhioGuy" wrote in message
> Recently, I noticed that a local grocery store started putting more air,
> and less product, in their store brand potato chip bags. 2 months ago,
> the bags had 12 ounces of potato chips - now they have 8. A couple of
> years ago, they had 14 ounces. I remember that about 6 or 7 years ago, it
> was a full 16 ounces - a pound.
>
> Now they are putting half the product in the bags, but they have left the
> price the same - a dollar. I would much rather that they leave the size
> of the product the same, and I find it insulting that they make the bags
> look the same size, and they are the same price, but you only get half
> what you did a few years ago.
>
> The same has happened to a lesser extent with several other items -
> graham crackers, for instance. The boxes used to have a full pound. Now
> it is 14 ounces, and there is empty space in the box.
>
> Why do they do this? It infuriates me, and makes me feel like my
> intelligence is being insulted.
>


== 11 of 11 ==
Date: Mon, Sep 10 2007 9:25 am
From: Anthony Matonak


OhioGuy wrote:
...
> In fact, while they used to advertise how much saving you could do
> shopping there, now it seems like they are carrying brand name items that
> cost a lot more.

There is more profit in high priced items. Lots of stores simply
don't carry cheap stuff. It's not worth it to them.

Anthony


==============================================================================
TOPIC: Drive your car to death, save $31,000
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23a659a15b17cab8?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Sep 10 2007 3:58 am
From: SQ


On Sep 9, 7:29 pm, George <geo...@nospam.invalid> wrote:

> Plus obviously the time to do this. If you depend on the car you can't
> take two days off from work to repair something yourself and if you do
> any traveling what do you do when something fails two hundred miles from
> home.-


Well, you can if you have a backup vehicle. But then that's twice
the maintainance, insurance, etc.

With old beaters, you should have two of them, when one is down,
drive the other and vice-versa. There is no way I could have done
all the DIY work if I had just one vehicle.

As I said, I had several either old or high mileage cars and it was
a constant exercise in auto repair skills. There was always something
broken down and needing wrenching. Some projects I just couldn't
figure out, like electrical issues with an airbag.

But it might be wiser to get a newer normal vehicle with lower miles
and
a lower chance of breaking down and having an unplanned downtime.
Then plan the repairs, i.e. start changing the timing belt on Friday
night so it's ready by Saturday (hopefully). And in general, fix
things
before they break and leave you stranded. I am beginning to wonder if
I should replace things like the starter and battery and more
preemptively before they go bad on me and leave me stranded so I have
to
have it towed to a shop for $399 special.


== 2 of 2 ==
Date: Mon, Sep 10 2007 6:53 am
From: "bungalow_steve@yahoo.com"


On Sep 9, 4:38 pm, "Rod Speed" <rod.speed....@gmail.com> wrote:
> SQ <onestatus...@yahoo.com> wrote
>
> > IMO and my experience, making a vehicle last for decades takes either
> > a very large bank account or an outstanding shade tree mechanic skill set.
>
> You need to choose the cars you buy more carefully.
>
> My last one lasted 30+ years with only a couple of very minor
> maintenance costs, one for the alternator regulator and the
> other for a fuel hose. Total cost of less than $100.
>

Something doesn't sound right, how many miles a year do you put on the
car? No front end work in 30 years? No belts? No coolant/oil/brake
fluid changes/refills/top offs? No plugs? No rotors? No muffllers? No
shocks? I know guys who lease cars who don't do anything (and I mean
anything) for 3 years but not 30 years.


==============================================================================
TOPIC: Tomato paste
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bf6768d86eb5418f?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Sep 10 2007 5:34 am
From: val189


On Sep 9, 8:37 pm, Al Bundy

> The 6oz. cans of paste are 33¢ at ALDIs and Sav-A-Lot. Still, $2/# is
> much cheaper. That's a lot of work to part out a gallon of tomato
> paste and spend the cost and space of freezing it.


What Al said!!
Plus, you can scoop out the tablespoon or two of paste from the 6 oz.
can and freeze the rest (formed into a little log) on a sheet of
plastic wrap, then slice off whatever you need next time.

== 2 of 3 ==
Date: Mon, Sep 10 2007 8:30 am
From: watcher@moog.netaxs.com


In article <1189374855.943770.265440@22g2000hsm.googlegroups.com>, jes wrote:
> It was recommended to add a couple of tablespoons of tomato paste to
> homemade soup. The cooked tomatoes bring a lot to the party. The
> little 4 oz cans are nearly $1.00 each.
>
> So at Costco I got a gallon for $2.00. Then I put a piece of plastic
> wrap on a cookie sheet, and scooped out dollops of the paste -- about
> hamburger size patties. And froze.
>
> One frozen they were peeled off. I put them in a plastic bags, but
> kept them separated just to make sure none of them stuck. Then stored
> in the freezer.
>
> I had to keep repeating the batches, but it's very convenient and
> cheap!
>
> Joan
>

That's a mighty lot of tomato paste. Possibly a lifetime supply :-) Might
have been simpler to look for the stuff in a reclosable tube. From what I've
heard, the tube keeps the paste usable for quite a while and you don't have to
spend all the effort dolloping it out, freezing it, and making space for it in
the freezer. Too late for that now, but may be of interest in your next
lifetime :-)

W.

== 3 of 3 ==
Date: Mon, Sep 10 2007 9:20 am
From: et472@FreeNet.Carleton.CA (Michael Black)


(watcher@moog.netaxs.com) writes:
> In article <1189374855.943770.265440@22g2000hsm.googlegroups.com>, jes wrote:
>> It was recommended to add a couple of tablespoons of tomato paste to
>> homemade soup. The cooked tomatoes bring a lot to the party. The
>> little 4 oz cans are nearly $1.00 each.
>>
>> So at Costco I got a gallon for $2.00. Then I put a piece of plastic
>> wrap on a cookie sheet, and scooped out dollops of the paste -- about
>> hamburger size patties. And froze.
>>
>> One frozen they were peeled off. I put them in a plastic bags, but
>> kept them separated just to make sure none of them stuck. Then stored
>> in the freezer.
>>
>> I had to keep repeating the batches, but it's very convenient and
>> cheap!
>>
>> Joan
>>
>
> That's a mighty lot of tomato paste. Possibly a lifetime supply :-) Might
> have been simpler to look for the stuff in a reclosable tube. From what I've
> heard, the tube keeps the paste usable for quite a while and you don't have to
> spend all the effort dolloping it out, freezing it, and making space for it in
> the freezer. Too late for that now, but may be of interest in your next
> lifetime :-)
>
I don't know. I suspect it's more useful than some things.

Just last week, I saw a discount box at one local grocery store (I'd never
seen them do that before) and there were about three large cans of jalapeno
peppers. I'm not sure what size it was, but it would have been bulk size
if it was olives or even tomato sauce. Had an original price of $15.

I have no idea how they ended up with that size a can, but it's no wonder
they were trying to clear it out. That would be a lifetime of jalapeno
peppers.

Michael


==============================================================================
TOPIC: When news media whine about 'labor shortages' it simply means employers
don't want to pay existing workers as much
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c75d3f8f8d3003a2?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 6:11 am
From: ppnerkDELETETHIS@yahoo.com (Phred)


In article <5kitbsF3paolU1@mid.individual.net>, "Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>Phred <ppnerkDELETETHIS@yahoo.com> wrote
>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>> John A. Weeks III <john@johnweeks.com> wrote
>
>>>> Or even better, given that over 60% of office space is vacant in downtown
>>>> St. Paul, why not move some of your operations to the twin cities.
>
>>> Because these are usually operations that cant move.
>
>>>> You can get cheap class A and class B office space, workers
>>>> standing in line waiting for jobs, and the government will toss in
>>>> incentives in both cash and tax avoidance to help you move.
>
>>> Useless if you're a mining operation that needs apes to drive haulpaks etc.
>
>> They say you get monkeys if you pay peanuts. As these guys are
>> earning >$80,000 p.a. I guess that's why you get those big apes. ;-)
>
>True. In spades with those proof of Darwin's theory, footballers.

Interesting you should point that out. There's a pic in the back page
bottom LH corner of today's edition of the tabloid from the tourist
ghetto of Cairns [_The Cairns Post_ 10 Sep 2007, p.72] that would
convince even the most skeptical of man's close relationship with the
great apes. And the guy's only a *coach* of an AFL team! Quite
possibly his players *are* apes. ;-)

>> Incidentally, mate of mine was looking for a carpenter recently for a
>> job in PNG. No one around here was interested unless it was at least
>> $10,000/month cash in hand after tax. As he said, that was a bit
>> rich; they were hoping to get one for about $8,000/month after tax. :)
>> [For the record: at the present time AUD10,000 is about USD8,300.]
>
>And then there's getting them to work in Iraq.

Yeah. At least in PNG it's only a short hop for retreat. (Actually,
parts of the place probably aren't too bad. I know a couple of
blokes who've spent fairly long stints in mines in the highlands
for example [one's still there]. Just keep out of Moresby!)

Cheers, Phred.

--
ppnerkDELETE@THISyahoo.com.INVALID


==============================================================================
TOPIC: MAKE MONEY QUICK! NO SCAM! $$$$$$
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5d2ff5f56f4dab02?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 7:49 am
From: MinMN59


--------------------------------------------------------------------------------
I'm 19 and I make more money than my parents and so can you"

Turn $6.00 into $60,000...read this to find out how!!!

READING THIS COULD CHANGE YOUR LIFE!

I found this on a bulletin board like this one and decided to try it.

A little while back, I was browsing through a newsgroups, just like
you are now, and came across an article similar to this that said you
could make thousands of
dollars within weeks with only an initial investment of $6.00! So I
thought, "Yeah right, this must be a scam", but like most of us, I was
curious, so I kept reading.

Anyway, it said that you need to send $1.00 to each of the 6 names and
address stated in the article.

You then place your own name and address in the bottom of the list at
#6, and post the article in at least 200 newsgroups. (There are
millions) No catch, that was it.

So after thinking it over, and talking to a few people first, I
thought about trying it. I figured: "what have I got to lose except 6
stamps and $6.00, right?"

Then I invested the measly $6.00. Well GUESS WHAT!!... within 7 days,
I started getting money in the mail! I was shocked! I figured it would
end soon, but the
money just kept coming in.

In my first week, I made about $25.00. By the end of the second week I
had made a total of over $1,000.00! In the third week I had over
$10,000.00 and it's still
growing.

This is now my fourth week and I have made just over $42,000.00 and
it's still coming in rapidly. It's certainly worth $6.00, and 6
stamps, I have spent more than
that on the lottery!!

Let me tell you how this works and most importantly, why it works....
Also, make sure you print a copy of this article NOW, so you can get
the information off of it
as you need it.

I promise you that if you follow the directions exactly, that you will
start making more money than you thought possible by doing something
so easy!

Suggestion:
Read this entire message carefully! (print it out or download it.)

Follow the simple directions and watch the money come in! It's easy.
It's legal. And, your investment is only $6.00 (Plus postage)

IMPORTANT:
This is not a rip-off; it is not indecent; it is not illegal; and it
is virtually no risk - it really works!!!! If all of the following
instructions are adhered to, you will receive
extraordinary dividends.

PLEASE NOTE:
Please follow these directions EXACTLY, and $50,000 or more can be
yours in 20 to 60 days.

This program remains successful because of the honesty and integrity
of the participants. Please continue it's success by carefully
adhering to the instructions.

You will now become part of the Mail Order business. In this business
your product is not solid and tangible, it's a service. You are in the
business of developing
Mailing Lists.

Many large corporations are happy to pay big bucks for quality lists.
However, the money made from the mailing lists is secondary to the
income which is made from
people like you and me asking to be included in that list.

Here are the 4 easy steps to success:

STEP 1:
Get 6 separate pieces of paper and write the following on each piece
of paper "PLEASE PUT ME ON YOUR MAILING LIST."

Now get 6 US $1.00 bills and place ONE inside EACH of the 6 pieces of
paper so the bill will not be seen through the envelope (to prevent
thievery).

Next, place one paper in each of the 6 envelopes and seal them. You
should now have 6 sealed envelopes, each with a piece of paper stating
the phrase "PLEASE
PUT ME ON YOUR MAILING LIST.", your name and address, and a $1.00
bill. What you are doing is creating a service. THIS IS ABSOLUTELY
LEGAL!
You are requesting a legitimate service and you are paying for it!

Like most of us I was a little skeptical and a little worried about
the legal aspects of it all. So I checked it out with the U.S. Post
Office (1-800-725-2161) and they
confirmed that it is indeed legal! Mail the 6 envelopes to the
following addresses:

#1)S.R. Johnson : 3285 Lewis Ave. : Signal Hill, CA 90807

#2)B. Hooper : 3 Warringah Gve. : Petrie, QLD, Australia 4502

#3)Matthew Speight : 6 Charnwood Ave. : Belfast : N. Ireland : BT15
5DH

#4)Robert Johnston : 21 Dunard Road. : Glasgow : Scotland : G73 3BY

#5)J. Gaudet: 26 Magnus Avenue: Somerville MA: 02143

#6)John R. Dillard: 1230 Queen Avenue North: Minneapolis Mn: 55411

STEP 2: Now take the #1 name off the list that you see above, move the
other names up (6 becomes 5, 5 becomes 4, etc...) and add YOUR Name as
number 6 on
the list.

STEP 3: Change anything you need to, but try to keep this article as
close to original as possible. Now, post your amended article to at
least 200 newsgroups. (I
think there are close to 2.4million groups) All you need is 200, but
remember, the more you post, the more money you make!

This is perfectly legal! If you have any doubts, refer to Title 18
Sec. 1302 & 1341 of the Postal lottery laws. Keep a copy of these
steps for yourself and, whenever
you need money, you can use it again, and again.

PLEASE REMEMBER that this program remains successful because of the
honesty and integrity of the participants and by their carefully
adhering to the directions.
Look at it this way. If you are of integrity, the program will
continue and the money that so many others have received will come
your way.

NOTE:
You may want to retain every name and address sent to you, either on a
computer or hard copy and keep the notes people send you. This
VERIFIES that you are
truly providing a service. (Also, it might be a good idea to wrap the
$1 bill in dark paper to reduce the risk of mail theft.)

So, as each post is downloaded and the directions carefully followed,
six members will be reimbursed for their participation as a List
Developer with one dollar each.

Your name will move up the list geometrically so that when your name
reaches the #1 position you will be receiving thousands of dollars in
CASH!!!

What an opportunity for only $6.00 ($1.00 for each of the first six
people listed above)

Send it now, add your own name to the list and you're in business!

---DIRECTIONS ----- FOR HOW TO POST TO NEWSGROUPS------------
Step 1)
You do not need to re-type this entire letter to do your own posting.
Simply put your cursor at the beginning of this letter and drag your
cursor to the bottom of this document, and select 'copy' from the edit
menu. This will copy the
entire letter into the computer's memory.

Step 2)
Open a blank 'notepad' file and place your cursor at the top of the
blank page. From the 'edit' menu select 'paste'. This will paste a
copy of the letter into notepad so
that you can add your name to the list. Step 3) Save your new notepad
file as a .txt file. If you want to do your postings in different
settings, you'll always have this
file to go back to.

Step 4)
Use Netscape or Internet explorer and try searching for various
newsgroups (on-line forums, message boards, chat sites, discussions.)

Step 5)
Visit these message boards and post this article as a new message by
highlighting the text of this letter and selecting paste from the edit
menu. Fill in the Subject, this
will be the header that everyone sees as they scroll through the list
of postings in a particular group, click the post message button.
You're done with your first one!

Congratulations...THAT'S IT!

All you have to do is jump to different newsgroups and post away,
after you get the hang of it, it will take about 30 seconds for each
newsgroup!

**REMEMBER, THE MORE NEWSGROUPS YOU POST IN, THE MORE MONEY YOU WILL
MAKE!! BUT YOU HAVE TO POST A MINIMUM
OF 200**

That's it! You will begin receiving money from around the world within
days! You may eventually want to rent a P.O.Box due to the large
amount of mail you will
receive. If you wish to stay anonymous, you can invent a name to use,
as long as the postman will deliver it.

**JUST MAKE SURE ALL THE ADDRESSES ARE CORRECT.**

Now the WHY part:
Out of 200 postings, say I receive only 5 replies (a very low
example). So then I made $5.00 with my name at #6 on the letter.

Now, each of the 5 persons who just sent me $1.00 make the MINIMUM 200
postings, each with my name at #5 and only 5 persons respond to each
of the
original 5, that is another $25.00 for me, now those 25 each make 200
MINIMUM posts with my name at #4 and only 5 replies each, I will bring
in an additional
$125.00!

Now, those 125 persons turn around and post the MINIMUM 200 with my
name at #3 and only receive 5 replies each, I will make an additional
$626.00!

OK, now here is the fun part, each of those 625 persons post a MINIMUM
200 letters with my name at #2 and they each only receive 5 replies,
that just made me
$3,125.00!!!

Those 3,125 persons will all deliver this message to 200 newsgroups
with my name at #1 and if still ONLY 5 persons per 200 newsgroups
react I will receive
$15,625,00!

With an original investment of only $6.00! AMAZING! When your name is
no longer on the list, you just take the latest posting in the
newsgroups, and send out
another $6.00 to names on the list, putting your name at number 6
again. And start posting again.

The thing to remember is: do you realize that thousands of people all
over the world are joining the internet and reading these articles
everyday?, JUST LIKE YOU
are now!!

So, can you afford $6.00 and see if it really works?? I think so...

People have said, "what if the plan is played out and no one sends you
the money? So what! What are the chances of that happening when there
are tons of new
honest users and new honest people who are joining the internet and
newsgroups everyday and are willing to give it a try?

Estimates are at 20,000 to 50,000 new users, every day, with thousands
of those joining the actual internet.

Remember, play FAIRLY and HONESTLY and this will really work.


==============================================================================
TOPIC: Suing a Dentist
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ef6126f6980eacfc?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 8:10 am
From: "Don"


"soretooth"> wrote
> I do know that it will wind up costing him alot more than it cost me.

And THAT'S all that really matters, right?
Welome to the litigious society.



==============================================================================
TOPIC: Saturn (car) problems
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c2af5318e6470d68?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Sep 10 2007 9:02 am
From: "misterfact@yahoo.com"


--- "rec.autos.makers.saturn group" <noreply@googlegroups.com> wrote:

>
> rec.autos.makers.saturn
> http://groups.google.com/group/rec.autos.makers.saturn?hl=en
>
> rec.autos.makers.saturn@googlegroups.com
>
> Today's topics:
>
> * Wheel Bearing Questions... - 1 messages, 1 author
>
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/2f23449925b73010?hl=en
> * Steering wheel shaking during braking - 1
> messages, 1 author
>
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/70bd7beea7456707?hl=en
> * SC2 97 Wont start! - 1 messages, 1 author
>
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/91776e8446c07987?hl=en
> * Stereo System of the Vue 1.0 - 1 messages, 1
> author
>
> >
>
>>news:1185502228.289567.148310@l70g2000hse.googlegroups.com...
> >
> > >> > So I figure I have a bad wheel bearing;
> unfortunately I can't figure
> > >> > exactly what I'm going to have to do to fix
> it. The manual I have
> > >> > pretty much says don't mess with it and take
> the steering knuckle/hub
> > >> > assembly into a shop and have the bearing
> pressed. I called the
> > >> > nearby dealer and he said to just order the
> hub assembly and to put
> > >> > that on instead of pressing the bearing.
> Call the auto parts store
> > >> > for the hub assembly, and apparently you have
> to press the bearing
> > >> > that comes with the new hub assembly. What
> is the advantage of
> > >> > purchasing a new hub assembly as opposed to
> just the bearing? Is this
> > >> > really that hard that I should take it into a
> shop? I mean I know I
> > >> > need a press, and yes, I have access to one.
> what about an
> > >> > alignment? Why would I need one of those? I
> mean I guess I
> > >> > understand why, but If I'm not cranking on
> the tie rod or anything is
> > >> > it really going to throw it off that much?
> So many questions; and so
> > >> > little time before this thing decides its
> going to completely go
> > >> > out...thanks!!
> >
> > >> Yeah, just take the knuckle to Saturn. take
> your car back to Saturn for
> > >> alignment. I had it all done for <$200
> including parts and what
> > >> not...There
> > >> was a good guide on the Saturn site. I can dig
> it up if you'd like?- Hide
> > >> quoted text -
> >
> > >> - Show quoted text -
> >
> > > Thanks for all your help and willingness to do
> so...
> >
> > > A friend and I fixed the thing; quite a job.
> He's a mechanic, and had
> > > never seen a bearing like that.
> >
> > > I can go into detail if you'd like...it took a
> lot longer than we both
> > > expected.
> >
> > > To answer another question: How did I come to
> the conclusion it was a
> > > wheel bearing? Well, it was making a thumping
> noise for quite some
> > > time, around a year or so. Of course it got
> progressively worse, and
> > > I began to have premonissions that at some
> point, probably around 3
> > > am, my tire would fall off and I would go
> crashing into the woods and
> > > become a missing person.
> >
> > > It was classic wheel bearing symptoms, a
> thump-thump-thump type of
> > > noise, which earlier in it's time would only do
> it if the weight would
> > > shift onto the tire around a corner, or not do
> it if it would shift
> > > onto the other wheel. And apparently I was the
> only one to see this
> > > as odd, as a number of local shops that I took
> it to said it was fine,
> > > even after I explained what it was doing.
> Probably wanted nothing to
> > > do with changing that bearing. I know the guy
> who helped me said he'd
> > > never do another one.
> >
> > A year? Jesus. I can feel a slight misbalance in
> my tires and I usually
> > freak out. I can also feel when my tires are low
> as to how they sound...
> >
> > I'm a freak for sure :)- Hide quoted text -
> >
> > - Show quoted text -
>
> well, I noticed it, but what can you do? Fix it I
> suppose, but i
> guess that is how cars go...turn up the radio, and
> the problem
> momentarily disappears.
>
>
>
> >
> > > "Oppie" <bop...@nospam.com> wrote in message
> >
> >news:46ae2a9b$0$16498$88260bb3@news.teranews.com...
> >
> > >> "HyperCube33 (Life2Death)"
> <hypercube[11x3]@hotmail.com> wrote in message
> > >>news:yarqi.19$U_5.2@newsfe05.lga...
> > >>> Well, I did a ton of reading. And I'm certain
> its the rotors...Also they
> > >>> mention that you should adjust them so the
> pads hit the rotors right
> > >>> (??) not sure how to do this and what
> equipment I'd need. I'm curious if
> > >>> I could toss them on and have Midas bleed and
> adjust them before I brake
> > >>> the pads in too much? I also need them to weld
> on a joint in my exhaust
> > >>> so perhaps that'll work. Hmm. Something about
> "runout?"
> >
> > >>> Perhaps my dad will let me bleed the brakes in
> the garage, we'll see.
> > >>> Haven't talked to him yet. Though after
> conquering the hub bearing on my
>
=== message truncated ===

--- "rec.autos.makers.saturn group" <noreply@googlegroups.com> wrote:

>
>>
> * LW300 Cranks but won't start - 1 messages, 1
> author
>
> "Oppie" <boppie@nospam.com> wrote in message
> news:xxLpi.722$zJ4.539@trndny03...
> > And true to form, on the way home last night, the
> car died again - this
> > time while driving it. Let it sit for about 15
> minutes with the hood open
> > and tried to start it every few minutes. After
> about 15 minutes, it
> > started and I let it idle. After about 4 minutes,
> it shut off again as
> > smartly as if the key was turned off. No stutter
> or anything. I think it's
> > the crank angle sensor still. Go ahead and try to
> convince the boneheads
> > of that though. Of note was that there was no oil
> leak anywhere but the
> > crank sensor was rather oily on its case. When
> cranking (while engine
> > would not catch) no smell of gas in the tailpipe.
> Fuel pressure OK.
> >
> > Eventually the engine did start again and I drove
> it directly to Saturn
> > before they closed the gates. Left it off
> overnight and will see what
> > happens now. I think that I will rent a car for
> the wedding this weekend.
> > I no longer have sufficient faith that the car
> will be fixed properly
> > again.
> >
>
> I had a similar problem with my 2001 LW300 (114000
> miles) and it turned out
> to be the crankshaft position sensor. The car would
> die. Sometimes itt
> would start after 10-15 mins. Sometimes it would
> not restart. The sensor
> was replaced ($611) by the dealer in March and I
> have had no problems since
> then.
>
>
>
>
>
>
>
> ==============================================================================
>.saturn?hl=en
>
> To unsubscribe from this group, send email to
> rec.autos.makers.saturn-unsubscribe@googlegroups.com
>
> >
> ==============================================================================
> Google Groups: http://groups.google.com?hl=en
>
--- "rec.autos.makers.saturn group" <noreply@googlegroups.com> wrote:

>
> rec.autos.makers.saturn
> http://groups.google.com/group/rec.autos.makers.saturn?hl=en
>
> rec.autos.makers.saturn@googlegroups.com
>
> Today's topics:
>
> * How To Change Brake Light? - 1 messages, 1 author
>
> http://> > http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/342243f6e6ef5951?hl=en
> * Wheel Bearing Questions... - 1 messages, 1 author
>
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/2f23449925b73010?hl=en
> * What Does Error Code OPCODE: M3505 Mean? - 1
> messages, 1 author
>
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/ad88741dd83ef743?hl=en
> * Alloys and bad roads dont mix - 1 messages, 1
> author
>
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/a84c17efc8bdcd8d?hl=en
> * Head gasket on a Saturn (Opel) 54 degree v6? - 1
> messages, 1 author
>
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/5f37d935170db470?hl=en
>
> ==============================================================================
> TOPIC: How To Change Brake Light?
> http://groups.google.com/group/rec.autos.makers.saturn/browse_thread/thread/4d55b8cda7258395?hl=en
>
--- "rec.autos.makers.saturn group" <noreply@googlegroups.com> wrote:

>
> rec.autos.makers.saturn
> http://groups.google.com/group/rec.autos.makers.saturn?hl=en
>
> rec.autos.makers.saturn@googlegroups.com
>
> Today's topics:
>
> * SC2 97 Wont start! - 2 messages, 2 authors
>
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TOPIC: Probe of seminar for seniors finds fraud
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1911571cce48de05?hl=en
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== 1 of 1 ==
Date: Mon, Sep 10 2007 9:23 am
From: Too_Many_Tools


Probe of seminar for seniors finds fraud By MARCY GORDON, AP Business
Writer
Mon Sep 10, 5:53 AM ET

An investigation by federal and state regulators of "free lunch"
investment seminars aimed at seniors has found high-pressure sales
pitches masquerading as educational sessions, pervasive misleading
claims for unsuitable financial products, and even fraud.

Much of the blame goes to investment firms for failing to properly
supervise their employees who put on the seminars for seniors,
according to the report of the investigation being made public Monday.
By law, the sales pitches made at the seminars and the materials
provided to participants must be approved by a brokerage or investment
firm's supervisors.

The examination by the Securities and Exchange Commission, state
regulators and the securities industry's self-policing organization,
the Financial Industry Regulatory Authority, covered seven states that
have large numbers of retirees: Alabama, Arizona, California, Florida,
North Carolina, South Carolina and Texas.

The investigation, which ran from April 2006 to June 2007, focused on
110 investment firms and branch offices that sponsor sales seminars
for seniors with free meals.

SEC Chairman Christopher Cox called the investigation's findings "a
wake-up call for securities regulators, the financial-services
industry and, especially, older investors."

"The SEC and our fellow regulators intend to put a stop to this," Cox
said in a statement. "We will step in whenever false claims are being
made. We will sanction crooks who try to feast on the life savings of
older investors."

Among the findings:

_The popular "free lunch" or dinner seminars, often held at upscale
hotels, restaurants and golf courses, are advertised as educational
sessions or workshops at which no products will be sold. They are
actually sales presentations, pushing those attending to open new
accounts and make investments on the spot or in follow-up meetings
with the salespeople.

_Nearly 60 percent of the 110 investment firms and branch offices
examined showed evidence of weak supervision of the employees running
the seminars, including failure to review the seminar materials.

_Exaggerated or misleading claims - like "Immediately add $100,000 to
your net worth" - showed up in about half of the 110 inspections
performed by the regulators.

_Recommendations for unsuitable investments were found in 23 percent
of them.

_Thirteen percent showed apparent instances of fraud, such as
liquidating accounts without a customer's knowledge or consent, or
selling bogus investments.

The "free lunch" seminars are one of several areas being examined by
regulators and lawmakers involving practices that can drain older
Americans' retirement savings. People 60 and older make up 15 percent
of the country's population but account for an estimated 30 percent of
fraud victims. With baby boomers swelling the ranks of retirees,
regulators expect an increase in financial scams targeting them.

In the past two years, the SEC has brought more than 40 enforcement
cases involving alleged fraud against seniors, many in coordination
with state authorities. In addition, FINRA, known until recently as
the National Association of Securities Dealers, has filed cases
against a number of brokerage firms and individual employees.

FINRA also has been conducting inspection "sweeps" in several other
areas affecting seniors: pitches for people to retire early and cash
out their 401(k) accounts under an IRS rule; sales of collateralized
mortgage obligations, complex and potentially risky investments tied
to mortgage securities; so-called senior financial investment
specialists, a designation said to be devoid of real value; and life
settlements, in which the holder of a life insurance policy sells it
to a third party for more than its cash surrender value but less than
the net death benefit.

FINRA is taking "a multifaceted approach to a problem that can have
absolutely devastating consequences for a large proportion of our
population," the organization's chairman and chief executive, Mary
Schapiro, said in an interview.

Joseph Borg, president of the North American Securities Administrators
Association, said the investigation of seminars for seniors proved the
proverbial point: "There's no such thing as a free lunch."

"Seniors seeking investor education and advice at a seminar should not
be subject to misrepresentations, high-pressure sales tactics and
outright fraud," Borg said.

The SEC is holding a "seniors summit" Monday on investment fraud and
abusive sales practices with FINRA; the North American Securities
Administrators Association, which represents state securities
regulators; and AARP, the advocacy group for seniors.

___

On the Net:

Securities and Exchange Commission: http://www.sec.gov

Financial Industry Regulatory Authority: http://www.finra.org

North American Securities Administrators Association: http://www.nasaa.org

AARP information on investment scams: http://www.aarp.org/money/wise_consumer/investment_fraud

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