Frugal Living: Nov 13, 2007

Tuesday, November 13, 2007

25 new messages in 11 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: Why Subscribe To My Blog?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7a8c10fcbd5162b6?hl=en
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== 1 of 3 ==
Date: Tues, Nov 13 2007 2:21 pm
From: nicole

In article <1194989431.612455.288260@57g2000hsv.googlegroups.com>,
MSfortune@mcpmail.com says...
>
> Nothing special there and it took 125 seconds to load with a fast dial-
> up so that's enough info for me.
> Plus that request for a $3 donation! Sheesh.
>
>
I don't know of any blogs that are as multimedia rich or as succinct!

If you can't support a real entrepreneur, that is, leave a tip, you are
not frugal you are a cheapskate! If you could read - you'd see you get
both my seminars for a $3 tip!

== 2 of 3 ==
Date: Tues, Nov 13 2007 3:06 pm
From: "AllEmailDeletedImmediately"

"nicole" <ccsj@nospam.com> wrote in message
news:MPG.21a3df54351cb950989968@news.wowway.com...
> In article <1194989431.612455.288260@57g2000hsv.googlegroups.com>,
> MSfortune@mcpmail.com says...
>>
>> Nothing special there and it took 125 seconds to load with a fast dial-
>> up so that's enough info for me.
>> Plus that request for a $3 donation! Sheesh.
>>
>>
> I don't know of any blogs that are as multimedia rich or as succinct!
>
> If you can't support a real entrepreneur, that is, leave a tip, you are
> not frugal you are a cheapskate! If you could read - you'd see you get
> both my seminars for a $3 tip!

it appears that you have an id attached to zecco; paid referral?

my utility budget plan: every 3 mons, my utility redoes it so that we never
get too far ahead or too far behind. i NEVER pay more than i would have
otherwise over the course of a year since it balances out at least once a
year. all i lose is a miniscule amount of interest. early in the budget
yr, i have a credit, but before the winter is over, i end up with a debit
which is equalized out over the next 3 mons. so i don't know what your
utility is doing.

== 3 of 3 ==
Date: Tues, Nov 13 2007 5:21 pm
From: Logan Shaw

nicole wrote:
> In article <1194989431.612455.288260@57g2000hsv.googlegroups.com>,
> MSfortune@mcpmail.com says...
>> Nothing special there and it took 125 seconds to load with a fast dial-
>> up so that's enough info for me.
>> Plus that request for a $3 donation! Sheesh.

> I don't know of any blogs that are as multimedia rich or as succinct!
>
> If you can't support a real entrepreneur, that is, leave a tip, you are
> not frugal you are a cheapskate!

... said the person who is (ab)using Usenet to market their blog instead
of paying for advertising.

- Logan

==============================================================================
TOPIC: Fast food lost leaders.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4adc4e7c65acf834?hl=en
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== 1 of 6 ==
Date: Tues, Nov 13 2007 2:23 pm
From: "tombates@city-net.com"

I noticed at my local McDonalds that there is a limit of 10
cheeseburgers or double that you can order at one time at the driveup
window. I am not sure why.

Tom

== 2 of 6 ==
Date: Tues, Nov 13 2007 2:46 pm
From: Goomba38

James wrote:
> I hear the MacDonald's double cheese burger is one. The regular
> cheeseburger is 99 cents and the double is $1.
>
> What lost other leaders do you know?
>
Do you mean "loss leader" ???

== 3 of 6 ==
Date: Tues, Nov 13 2007 3:28 pm
From: Seerialmom

On Nov 12, 6:45 pm, James <j0069b...@hotmail.com> wrote:
> I hear the MacDonald's double cheese burger is one. The regular
> cheeseburger is 99 cents and the double is $1.
>
> What lost other leaders do you know?

I think you mean "loss" leaders? Any of the "value menu" items could
be considered a loss leader "if" you don't buy a beverage or fries to
go with it. The profit margin on sodas and side orders is definitely
higher than the entrees; even higher if the person behind the counter
convinces you to upgrade your order (suggestive selling is a perfect
means of increasing sales; a FF store I worked in way back when saw
sales increase by 35% after I emphasized this practice to the
employees). Of course there has to be a motivation for them as well
like weekly prizes or recognition. One D.A. manager during our
meetings would say something like "we need to raise the sales so "I"
can get a bigger bonus".

== 4 of 6 ==
Date: Tues, Nov 13 2007 3:42 pm
From: Goomba38

tombates@city-net.com wrote:
> I noticed at my local McDonalds that there is a limit of 10
> cheeseburgers or double that you can order at one time at the driveup
> window. I am not sure why.
>
> Tom
>
Perhaps huge orders hog up too much time for a service that is supposed
to be quick pass through and considered inconsiderate to all the other
cars in the line?

== 5 of 6 ==
Date: Tues, Nov 13 2007 6:39 pm
From: George Grapman

Trivia question relating to this thread. Name the largest fast food
company in the world in terms of location and sales.
Hints: It is not McDonald's. The company is based in the U.S.

== 6 of 6 ==
Date: Tues, Nov 13 2007 7:11 pm
From: Logan Shaw

George Grapman wrote:
> Trivia question relating to this thread. Name the largest fast food
> company in the world in terms of location and sales.
> Hints: It is not McDonald's. The company is based in the U.S.

That's a trick question. The largest brand is probably McDonald's. But
the largest company could have more than one brand (i.e. restaurants by
more than one name).

- Logan

==============================================================================
TOPIC: Frugal living in the Philadelphia region
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/88ffcbd368b6efe6?hl=en
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== 1 of 1 ==
Date: Tues, Nov 13 2007 3:00 pm
From: Joe

http://home.comcast.net/~plutarch/frugal-philly.html

==============================================================================
TOPIC: 2.3 million US Soldiers vs 11.7 million Iranian Soldiers = DRAFT
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a4b3e40f78110ef2?hl=en
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== 1 of 2 ==
Date: Tues, Nov 13 2007 3:39 pm
From: difdrummer@webtv.net (Bob Young)

I don't doubt your numbers at all. However you leave out one small
detail. Our commander and chief is a mentally ill son of bitch, who hid
out during his own military time and he really doesn't give a shit who
he murders on either side.

== 2 of 2 ==
Date: Tues, Nov 13 2007 3:54 pm
From: jdoe

On Tue, 13 Nov 2007 17:39:04 -0600, difdrummer@webtv.net (Bob Young)
wrote:

>I don't doubt your numbers at all. However you leave out one small
>detail. Our commander and chief is a mentally ill son of bitch, who hid
>out during his own military time and he really doesn't give a shit who
>he murders on either side.
it must be tough being you
__________________________________________
Never argue with an idiot.
They'll drag you down to their level and beat you with experience.

==============================================================================
TOPIC: Free Johnson's Baby Soothing Naturals
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7095a8f6415459ed?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 3:40 pm
From: "TheBestFreebies.com"

Introducing the new Johnson's Baby Soothing Naturals range, our first line
of baby skincare products to combine the gentleness of Johnson's Baby with
the soothing powers of nature. Why not be one of the first to try the range
by filling in the details below to receive your free sample of Johnson's
Baby Soothing Naturals Cream, a new way to relieve dry skin.

--
The Best Freebies

All free products are available at http://TheBestFreebies.com/ and
are intended for families, businesses, and individuals residing in
the United States, Canada, and the United Kingdom.

==============================================================================
TOPIC: china wholesale nike jordan puma prada adidas shoes,handbag,sweaters,
coat,jeans
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/781c4e69073472a5?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 3:44 pm
From: globwholesale@126.com

Dear my friend
It is our pleasure to meet you here.
we are wholesaler sport shoes,clothing,electrons in Fujian of China.
our website: http://www.globwholesale.com
We are professional and honest wholesaler of all kinds of brand
sneaks and apparel.the products
our company supply are as follows:
1).Nike Jordans
Jordan 1 jordan 1.5 jordan 2 jordan 3 jordan 3.5 jordan 4 jordan 5
jordan 5.5 jordan 6 jordan 6.5 jordan 7 jordan 8 jordan 9 jordan 9.5
jordan 10 jordan 11 jordan 12 jordan 13 jordan 13.5 jordan 14 jordan
15 jordan 16 jordan 17 jordan 18 jordan 18.5 jordan 19 jordan 20
jordan 21 jordan 21.5 jordan 22 jordan King jordan Dub Zero Jordan 23
Jordan 7.5
2).Air Force One Air Force one (low) Air Force one (High) Air Force
one (Mid) Air Force one (clear) Air Force One 25 year
3).SHOX Shox R3 Shox R4 Shox R5 Shox TL1 Shox TL2 Shox TL3 Shox NZ
Shox OZ Shox Turbo Show GO Shox CL Shox Coqnescenti Shox Energia Shox
Explodine Shox Monster Shox Rhythmic Shox Warrior
4).Bape Shoes Bape Bape (transparent)
5).Air max AirMax 90 AirMax 95 AirMax 97 AirMax 2003 AirMax 2004
AirMax 2005 Air Max 2006 AirMax 180 AirMax LTD AirMax TN AirMax solas
AirMax 87 AirMax Rift
6).Puma Puma Rpt2 Puma SK6 Puma Jayfi Puma Cir Puma Speed Puma Repli
Puma Future Cat Puma Mostro Puma Lifestyle
7).Dunk SB Dunk High Dunk Low
8).Timberland Timberland High Timberland Low
9).Adidas Adidas 35 Adicolor Country city sense Adidas NBA
11).Prada & Gucci Prada Gucci
12).Footballer Shoes Footballer
13).Locaste
14).converse & Reebok converse Reebok
15).D&G shoes
16).Dsquared2 shoes
17).James shoes
18).Nike King
9).Children shoes Jordan Shox
20).Women shoes Women Jordans Women Shox R3 Women Shox R4 Women
AirMax
95&97 Women AirMax 03&06 Women Dunk Women Shox NZ Women AF1
21).sandal & baboosh Nike Puma Gucci Prada
CLOTHES 1).Bape 2).ED Hardy 3).BBC 4).CLH 5).LRG 6).Artful Dodger
Hoodies 7).GINO GREEN GLOBAL 8).10 Deep 9).A&F Coat 11).Jersey NBA
Jersey Football Jersey 12).Juicy Bikini 13).Adidas Coat 14).F1 Coat
15).D&G Coat 16).Superman Coat 17).NBA Coat
JEAN 1).E&D Jeans 2).BBC Jeans 3).BAPE Jeans 4).D&G Jeans 5).EVSIU
Jeans 6).Red monkey 7).COOGI Jeans
T-shirt 1).POLO 2007 polo(women) 2007 POLO IIII(Men) POLO (stripe)
polo (small )
2).Lacoste Lacoste (LONG) Lacoste (SHORT) 3).Name Brand shirt D&G
Shirt Giorgio Armani TN Shirt 4).BBC T-shirt 5).LRG & gina green
glalal 6).Triumvir 7).ED handy 8).Evsiu 9).R.M.B 10).CLOT
Burse & Handbag 1).LV Bag 2).Gucci Bag 3).Dior Bag 4).Chanel Bag
5).Fendi Bag 6).Coach Bag 7).Burberrys Bag 8).Prada Bag 9).Man
Leisure
Bag 11).D&G bag 12).nike bag 13).Wallet 14).Suitcase
Electronics 1).Vertu Mobile 2).New iphone Mobile 3).Nokia Mobile
4).moto Mobile 5).PSP Game & memory card 6).Sony Mobile 7).Samsung
Mobile 8).Ipod nano 9).Sony PS3 10).Laptops IBM laptops DELL laptops
Sony laptops ASUS laptops
CAP 1).ED Hardy Cap 2).New Bape & NY Cap 3).RMC Cap 4).New era NBA
5).F1 6).Chanel 7).D&G 8).gucci 9).LV 10).Prada 11).PUMA 12).wool
WATCH 1).Rolex 2).Omega 3).Cartier 4).Chanel 5).Piaget 6).Breitling
7).Bvlgari 8).Corum
Sunglasses 1).Gucci Sunglasses 2).D&G Sunglasses 3).Dior Sunglasses
4).LV Sunglasses 5).Chanel Sunglasses 6).Prada Sunglasses 7).Versace
Sunglasses 8).Giorgio Armani
Strap 1).Bape Strap 2).D&G Strap 3).Gucci Strap 4).LV Strap 5).Scarf
Other 1).Lighter

size chart
Men Size:
US: 7 8 8.5 9 9.5 10 10.5 11 11.5 12 13 14 15
UK: 6 7 7.5 8 8.5 9 9.5 10 10.5 11 12 13 14
EUR: 40 41 42 42.5 43 44 44.5 45 45.5 46 47.5 48 49
Women Size:
US: 5 5.5 6 6.5 7 7.5 8 8.5
UK: 2.5 3 3.5 4 4.5 5 5.5 6
EUR: 35.5 36 36.5 37.5 38 38.5 39 40

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

Clothing Size:
S M L XL XXL XXXL XXXXL XXXXXL

7.because the space of the website is limited,we can also supply many
other products which be not showed out in our site. if you have the
photos of the products you need , we are pleasure to supply for your
orders.
And our company can supply for our customers ,as follow:
1. top quality.all our products have top quality.
2. most rational price. we offer the most competitive price to you
to
open your market. So today most of our products have sold well in the
America, Europe, Middle East, Southeast Asia etc..
3. safe and fast shipment. As different country you are in, we will
deliver the products to you by different ways and pledge to arrive to
your address 100%.and we will send the products to you within 24h
after we get your payment.
4.many products in stock. We have many products in stock and kinds of
size you need , also include kid's.
5.our credit. If the products can be not delivered to your address as
our reason, we will refund the money you paid.
Hope sincerely to have glad and long term business relationship with
you.
If you are interested in our products and have any problem, welcome
to
contact us.
Please trust us , we will be your best choice !!!

Website : http://www.globwholesale.com
Yahoo ID:globwholesale@yahoo.com.cn
Michael
Fashion Footwear Industrial Co.,Ltd.(Fujian,CHINA)

==============================================================================
TOPIC: how to chop wood
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/09b7e9be3fcd1870?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 3:48 pm
From: "Don K"

"A Veteran" <georgek@humboldt1.com> wrote in message
news:georgek-521564.11161012112007@sn-ip.vsrv-sjc.supernews.net...

> Would you like to share recommendations for chopping wood? Add
> comments below.

I made a v-shaped fixture out of 2x4's to hold wood for splitting that
works quite well.

The base is three 3 2x4's in the shape of an arrowhead.

At the point of the arrowhead, there's a vertical 2x4 about 1 foot high.
From the top of this, there are 45 degree diagonals going down to the
arrowhead to form a v-shape for holding a log.

The shaft of the arrow is about 2 or 3 feet long and has notches for
wedging a loose 2x4 to hold the log tightly against the v-shape.
You just hold your foot on a loose 2x4 to clamp the log in place.

Then you are free to pound the wedge with your maul without worrying
about the log moving around on you.

Don

==============================================================================
TOPIC: Dollar Crisis: None dare call it 'conspiracy'
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2f8f50beed6eeacf?hl=en
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== 1 of 2 ==
Date: Tues, Nov 13 2007 4:10 pm
From: "The Henchman"

"YTR" <zzzxtyryyetytryey@googlemail.com> wrote in message
news:1194935903.738477.216460@y27g2000pre.googlegroups.com...
> Dollar Crisis: None dare call it ?conspiracy'
>
>

Infowars is such a credible site LOL.

== 2 of 2 ==
Date: Tues, Nov 13 2007 5:14 pm
From: Logan Shaw

YTR wrote:
> Dollar Crisis: None dare call it ?conspiracy'
>
> Global Research | November 11, 2007
> Hal Lindsey
^^^^^^^^^^^

Oh great, Hal Lindsey. The author of "The Late Great Planet Earth"
himself. He has, essentially, been making up and publishing crazy,
fringe ideas and calling "prophecy" since 1970 when that book came
out. How many of them have come true?

I vaguely remember hearing that he had at one point essentially
repented of making this kind of wild speculation, but if he did,
then he's still doing it anyway.

- Logan

==============================================================================
TOPIC: Desalinating device---
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2c84a5ea9c3891a6?hl=en
==============================================================================

== 1 of 5 ==
Date: Tues, Nov 13 2007 4:43 pm
From: maryatbeach@webtv.net (Mary Mathews)

Is anyone familiar with a family size desalinating device, similar to
the family size generator for emergencies? Thanks. Mary

== 2 of 5 ==
Date: Tues, Nov 13 2007 6:06 pm
From: "John Weiss"

"Mary Mathews" <maryatbeach@webtv.net> wrote...
>
> Is anyone familiar with a family size desalinating device, similar to
> the family size generator for emergencies? Thanks. Mary

Look at marine watermakers, designed for yachts. You can find 12, 24, and, 120,
and 240V models.

== 3 of 5 ==
Date: Tues, Nov 13 2007 6:21 pm
From: Logan Shaw

Mary Mathews wrote:
> Is anyone familiar with a family size desalinating device, similar to
> the family size generator for emergencies? Thanks. Mary

As far as I know, desalination takes a lot of energy. If you're talking
about planning for an emergency, you'd have to store fuel to use in the
desalination process. Why not just store an equivalent amount of fresh
water?

If you are planning for an emergency where you have plenty of energy
available (maybe the emergency won't interrupt power from a utility, or
maybe you have solar or wind power), you could use a home distiller.
Their output is typically measured in hours per gallon, but if you just
need water for drinking and cooking in an emergency, maybe that is OK.
There might be better options, but a distiller is the most obvious thing
I could think of. As a bonus, you'd be able to use it to make really
pure water for drinking and for cooking even when it's not an emergency.

- Logan

== 4 of 5 ==
Date: Tues, Nov 13 2007 7:10 pm
From: Anthony Matonak

Mary Mathews wrote:
> Is anyone familiar with a family size desalinating device, similar to
> the family size generator for emergencies? Thanks. Mary

A water still (or distiller) isn't in any way similar to a generator.
That said, I did find these using google.

Waterwise 1600 non-electric Portable water distiller
http://www.h2ofilters.com/wanopowadi.html

Rainmaker(tm) 550 Solar Water Distiller
http://www.solaqua.com/solstils1.html

EPSEA solar water still plans
http://www.epsea.org/stills.html

You can try it yourself...
http://www.google.com/products?q=water+distiller&btnG=Search&hl=en&show=dd

Anthony

== 5 of 5 ==
Date: Tues, Nov 13 2007 7:24 pm
From: "John Weiss"

"Logan Shaw" <lshaw-usenet@austin.rr.com> wrote...

> As far as I know, desalination takes a lot of energy. If you're talking
> about planning for an emergency, you'd have to store fuel to use in the
> desalination process. Why not just store an equivalent amount of fresh
> water?

New-tech reverse osmosis desalinators use a LOT less energy than stills. In
fact, you can get models that you can operate by hand (though they're not
"family sized" as requested by the OP). OTOH, one of those for each family
member will help keep them fit and teach them the value of water in an
emergency! :-)

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

== 1 of 1 ==
Date: Tues, Nov 13 2007 5:54 pm
From: websurf1@cox.net

On Nov 12, 1:24 am, larry <no...@home.com> wrote:
> > They must think that customers in thei
> > meighborhoods where they operate are stupid, impoverished nicely
> > dressed, Fortybowl (aka 40 oz. malt liquor) African
> > and other Americans. There needs to be a law to forbid such
> > practices. (Charmuta!)
>
> More basic problem, they have no transportation and have to
> pay what the local stores charge. Pay to the store owner is
> good, being mostly state aid card or cash. Cost is not a
> real issue, since the locals are not paying for the goods
> anyhow. The taxpayer pays. The elderly also need a local
> store to survive, even good public transport can't get them
> to the malls and large shopping centers.
>
> I knew a family than ran a large chain of small "corner"
> stores in the poor parts of town. First thing every morning
> was a stop at the Sams and the bakery discount stores to
> stock their stores for the day.

I hate to tell you, but that is exactly what Sam's does!!! They are
"in business, for business". Many of their goods are marked as
"packaged for resale" or whatever. 'Course, it's good for Sam's that
they also sell to me directly.
All those corner stores are pretty much convenience stores. If, as
you say, the customers can't get around to other stores, then someone
has to be able to sell to them. Buying at Sam's might be cheaper than
buying at some wholesaler (or the store owners would buy wholesale
too), so it works out for everyone.

> A law? Don't think for a minute that government can
> transport those goods to these neighborhoods as efficiently
> as the overpriced corner stores.
Nor should they even try. Government can't run a business, as we have
seen.

> If you want to help, and
> are near one of these neighborhoods, offer to shop the basic
> items a family needs, while you're shopping at your
> superstore. Most of the elderly are very isolated and five
> minutes of your time every other day may even save a life,
> and both of you benefit. Next time you're at the grocery
> store, behind a little old lady (or gent) with a small
> selection of basics, and digging out change to pay, tell the
> clerk to put it on your bill. That $5-10 will get you an
> elderly smile, and amazed clerk look, you will remember a
> long time. Meals on wheels can only do so much.

Well-placed charity is never a bad idea.

> -- larry / dallas

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

== 1 of 2 ==
Date: Tues, Nov 13 2007 6:16 pm
From: Meghan Noecker

On Tue, 13 Nov 2007 12:58:12 -0500, Derald <derald@invalid.net> wrote:

>Meghan Noecker <friesian@zoocrewphoto.com> wrote:
>
>>I do have a commercial account with another local credit union
> If "commercial" in this context means "business", then I'm afraid
>that I don't quite understand how a credit union can have commercial
>accounts. The notion is oxymoronic; that's not what they're "for".
>Credit unions are not banks; AFAIK, credit unions remain pari-mutuel
>organisations more akin to S&Ls than to banks and definitely -not to be
>trusted with ones assets.

I have the same understanding, but they recently started accepting
accounts for small businesses, and they gave me one. I used my tax
number instead of my social security number. My checks have my
personal name and business name on them. And I can cash checks written
to my business name.

They used to be a open to employees and their family members. Then,
later they opened up to all Washington state residents. My other
credit union is the same way in terms of Washington residents, but no
business names. They will allow me to put my business name on checks,
but they will not allow me to accept checks written to my business
name. So, I just have my personal account with them.

== 2 of 2 ==
Date: Tues, Nov 13 2007 7:20 pm
From: George Grapman

Meghan Noecker wrote:
> On Tue, 13 Nov 2007 12:58:12 -0500, Derald <derald@invalid.net> wrote:
>
>> Meghan Noecker <friesian@zoocrewphoto.com> wrote:
>>
>>> I do have a commercial account with another local credit union
>> If "commercial" in this context means "business", then I'm afraid
>> that I don't quite understand how a credit union can have commercial
>> accounts. The notion is oxymoronic; that's not what they're "for".
>> Credit unions are not banks; AFAIK, credit unions remain pari-mutuel
>> organisations more akin to S&Ls than to banks and definitely -not to be
>> trusted with ones assets.
>
> I have the same understanding, but they recently started accepting
> accounts for small businesses, and they gave me one. I used my tax
> number instead of my social security number. My checks have my
> personal name and business name on them. And I can cash checks written
> to my business name.
>
> They used to be a open to employees and their family members. Then,
> later they opened up to all Washington state residents. My other
> credit union is the same way in terms of Washington residents, but no
> business names. They will allow me to put my business name on checks,
> but they will not allow me to accept checks written to my business
> name. So, I just have my personal account with them.
>
>
>
The regulations on who can join have loosened up over the years. My
credit union was originally only open to employees and retirees of what
was then Pacific Telephone Co. later it was extended to anyone working
in telecom and now it is open to anyone who lives or works in a city
where they have a branch.

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24 new messages in 13 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:

== 1 of 1 ==
Date: Tues, Nov 13 2007 9:23 am
From: Derald

A Veteran <georgek@humboldt1.com> wrote:

>Would you like to share recommendations for chopping wood?
Don't put too much faith in that article.
I'm a charter subscriber to TMEN and it seems to me that your
citation is exemplary of why I (regretfully but finally) stopped reading
her in the mid-'80's.
Throughout the year, I collect and split my household's supply of
firewood. For me, the gathering and splitting of firewood is a
continuing process instead of annual event. Using a fairly heavy axe, I
routinely split "Turkey" (Quercus laevis), "Live" (Q. virginiana), and
"White" (Q. alba, AFAIK), as well as (but less often), the occasional
laurel and water oaks. Each of those woods, as well as the (FL) native
maple, splits far more easily when freshly cut than when dried. Most
straight, and/or open-grained woods with a strong tendency to check may
be split dry but a AWG with an axe doesn't stand a chance against live
oak or white oak or any other specie with tightly-bound twisted grain
structure or against any maple (excepting, maybe, those little
wet-footed swamp dwellers). Few occurrences are more demoralizing than
watching ones strike simply bounce off....
The whole argument is irrelevant, anyway, because (in the humid
Eastern U.S.A., at least), in order for firewood to properly "season",
it must be debarked or split reasonably soon after harvesting.
Immediately is best. Tree bark is waterproof (and, essentially, water
vapor proof, too). Intact, bark-on rounds lose water only through their
end-grain, a slow process that allows incipient fungii and wood-mining
insects to flourish. Each of those costs you calories; the losses to
residual moisture and to fungii can be significant.
>
>A large stump usually works well for a chopping block.
Well, "Yes, it do", but.... Try this: Use your axe to hew one side
of a large round flat and lay the round down, flat side up, in a slight
depression. Obviously, you place the stock on the flat surface; then
position yourself so that your splitting blow comes down across the long
grain. A properly dressed splitting axe will bounce off the "chopping
block" instead of sticking, as it does into end grain.
>
>Not every stroke will be successful,
Indeed. That is why one keeps a 10-12# sledge hammer, maul,
whatever, ready-to-hand in order to dislodge stuck-on stock. Never, for
any reason, strike the axe with a metal implement: Aside from the
possibility of damaging the tool, pissing her off is the very last thing
you want to do....
I have a few more tips viz. woodslitting that you may find helpful
but I have to go get another beer now and will likely have forgot or
won't give a rat's ass when I get back (Face it, the fridge _is_ 4'
distant the computer -- bad planning). A six-pack, three "probiotic
culture" caps and four Hershey's Kisses sure-as-hell are, too, a
balanced breakfast, my friend.
--
A Veteran, too, but I sure-as-hell don't go around telling everybody
about it as if it is some kind of badge of honor.
Derald

== 1 of 6 ==
Date: Tues, Nov 13 2007 9:33 am
From: clams casino

The Trucker wrote:

>Why all the drama? Some people just MUST have boogermans and
>eeeeeeevvviiiieee lurking everywhere.
>

It's the method of GW's leadership (much like the stereotypical Baptist
minister) - Unless you agree 100% with GW, you will be going straight
to hell.

GW is here to protect you. If something goes wrong, it's all the
democrat's fault. If you vote / express disbelief against GW, the sky
will cave in, the stock market will crash and the world will come to and
end.

== 2 of 6 ==
Date: Tues, Nov 13 2007 10:05 am
From: "Bill"

British P.M. Gordon Brown said yesterday in his foreign policy speech ...

"...And in the years ahead - notwithstanding the huge shifts in economic
influence underway - I believe that Europe and America have the best chance
for many decades to achieve historic progress - working ever more closely
together on the project of building a global society..."

Full text of his speech...
http://www.epolitix.com/EN/News/200711/e452ff55-1fe6-4a7b-92ef-acf893ce002c.htm

== 3 of 6 ==
Date: Tues, Nov 13 2007 10:27 am
From: "Rod Speed"

Bill <billnomailnospamx@yahoo.com> wrote:

> British P.M. Gordon Brown said yesterday in his foreign policy speech
> ...

> "...And in the years ahead - notwithstanding the huge shifts in economic influence underway - I believe that Europe
> and America have the best chance for many decades to achieve historic progress - working ever more closely together on
> the project of building a global society..."

Then he's a fool. The invasion of Iraq has eliminated that possibility for quite a while now.

> Full text of his speech...
> http://www.epolitix.com/EN/News/200711/e452ff55-1fe6-4a7b-92ef-acf893ce002c.htm

== 4 of 6 ==
Date: Tues, Nov 13 2007 10:55 am
From: The Trucker

On Tue, 13 Nov 2007 10:05:48 -0800, Bill wrote:

> British P.M. Gordon Brown said yesterday in his foreign policy speech ...
>
> "...And in the years ahead - notwithstanding the huge shifts in economic
> influence underway - I believe that Europe and America have the best chance
> for many decades to achieve historic progress - working ever more closely
> together on the project of building a global society..."
>
> Full text of his speech...
> http://www.epolitix.com/EN/News/200711/e452ff55-1fe6-4a7b-92ef-acf893ce002c.htm

I didn't read all of it, but I think I got the big picture. What I can't
understand is why rightarded American Republican assholes can't seem to
understand stuff like this. Why they will take pieces out of
context and attempt to declare some sort of threat to America. America
was not designed for nor or we desirous of imperialism. The constant
denigration of the UN is just the tip of the rightarded iceberg. The
rightarded self serving brain dead tunnel-vision blindered mentality of
the Republican order is amplified ignorance and stupidity on steroids.
And until we get rid of His Assholiness and his "legacy" America will be
nothing less than a drain on the entire world.

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

== 5 of 6 ==
Date: Tues, Nov 13 2007 12:14 pm
From: "231" <231@alok.com>

The Trucker <mikcob@verizon.net> wrote:
> On Tue, 13 Nov 2007 10:05:48 -0800, Bill wrote:

>> British P.M. Gordon Brown said yesterday in his foreign policy speech ...
>>
>> "...And in the years ahead - notwithstanding the huge shifts in
>> economic influence underway - I believe that Europe and America have
>> the best chance for many decades to achieve historic progress -
>> working ever more closely together on the project of building a
>> global society..."

>> Full text of his speech...
>> http://www.epolitix.com/EN/News/200711/e452ff55-1fe6-4a7b-92ef-acf893ce002c.htm

> I didn't read all of it, but I think I got the big picture.

Nope, you didnt.

> What I can't understand is why rightarded American
> Republican assholes can't seem to understand stuff like this.

Its clear that fools like Brown dont understand anything at all.

Least of all the fact that post Iraq what he wants
to see aint gunna happen, BECAUSE of Iraq.

> Why they will take pieces out of context and
> attempt to declare some sort of threat to America.

Corse there is some sort of threat to America. You did noticed 9/11 didnt you ?

> America was not designed for nor or we desirous of imperialism.

Have fun explaining the Philipines.

> The constant denigration of the UN is just the tip of the rightarded iceberg.
> The rightarded self serving brain dead tunnel-vision blindered mentality of
> the Republican order is amplified ignorance and stupidity on steroids.

Corse there never ever is anything like that anywhere else, eh ?

> And until we get rid of His Assholiness

Thats going to happen without anything being
done, he passes his useby date in about a year.

> and his "legacy" America will be nothing less than a drain on the entire world.

It aint draining the entire world. If anything its benefitting the world as the USD sinks beneath the waves.

== 6 of 6 ==
Date: Tues, Nov 13 2007 12:35 pm
From: tim <@can.not>

The Trucker wrote:
> On Tue, 13 Nov 2007 10:05:48 -0800, Bill wrote:
>
>> British P.M. Gordon Brown said yesterday in his foreign policy speech ...
>>
>> "...And in the years ahead - notwithstanding the huge shifts in economic
>> influence underway - I believe that Europe and America have the best chance
>> for many decades to achieve historic progress - working ever more closely
>> together on the project of building a global society..."
>>
>> Full text of his speech...
>> http://www.epolitix.com/EN/News/200711/e452ff55-1fe6-4a7b-92ef-acf893ce002c.htm
>
> I didn't read all of it, but I think I got the big picture. What I can't
> understand is why rightarded American Republican assholes can't seem to
> understand stuff like this. Why they will take pieces out of
> context and attempt to declare some sort of threat to America. America
> was not designed for nor or we desirous of imperialism. The constant
> denigration of the UN is just the tip of the rightarded iceberg. The
> rightarded self serving brain dead tunnel-vision blindered mentality of
> the Republican order is amplified ignorance and stupidity on steroids.
> And until we get rid of His Assholiness and his "legacy" America will be
> nothing less than a drain on the entire world.
>
There are pieces of "way out there" in the piece. Some basic premises
are the truth, though.

== 1 of 3 ==
Date: Tues, Nov 13 2007 9:58 am
From: Derald

Meghan Noecker <friesian@zoocrewphoto.com> wrote:

>I do have a commercial account with another local credit union
If "commercial" in this context means "business", then I'm afraid
that I don't quite understand how a credit union can have commercial
accounts. The notion is oxymoronic; that's not what they're "for".
Credit unions are not banks; AFAIK, credit unions remain pari-mutuel
organisations more akin to S&Ls than to banks and definitely -not to be
trusted with ones assets.

== 2 of 3 ==
Date: Tues, Nov 13 2007 10:23 am
From: val189

On Nov 12, 10:08 am, "unreelis...@aol.com" <user132...@aol.com> wrote:

> a check from another credit union member that got taken out of MY
> account by mistake !!

I'd want to know more details - who made the mistake and what are they
doing to prevent its happening in the future. Did the other person's
check have his correct routing and account number on it?

I thought things were automated now to the point where this 'couldn't
' happen. Scary. Good thing you checked - I call mine every day just
to keep tabs on it. I can also go online to see the actual payee's
name.
Just curious -what prompted you to call in the first place?

== 3 of 3 ==
Date: Tues, Nov 13 2007 10:35 am
From: "231" <231@alok.com>

Derald <derald@invalid.net> wrote:
> Meghan Noecker <friesian@zoocrewphoto.com> wrote:

>> I do have a commercial account with another local credit union

> If "commercial" in this context means "business", then I'm afraid
> that I don't quite understand how a credit union can have commercial
> accounts. The notion is oxymoronic; that's not what they're "for".

Wrong, they can be for business accounts or personal accounts.

> Credit unions are not banks;

Irrelevant to whether they can have business accounts.

> AFAIK, credit unions remain pari-mutuel organisations more akin to
> S&Ls than to banks and definitely -not to be trusted with ones assets.

Many business accounts dont involve assets, what they want is a basic transaction account.

==============================================================================
TOPIC: Bone Metastases & Cancer Informational Guide
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c7800a96ef226c97?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 10:05 am
From: "TheBestFreebies.com"

Free guide for better understanding bone metastases, how cancer may
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--
The Best Freebies

All free products are available at http://TheBestFreebies.com/ and
are intended for families, businesses, and individuals residing in
the United States, Canada, and the United Kingdom.

==============================================================================
TOPIC: Tips for Thanksgiving on a Budget
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e6b05843e292e559?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 10:14 am
From: frugal fanny

Hosting a Thanksgiving dinner can be a stressful and expensive
activity, but with a little foresight and planning it can also be one
of the most rewarding and budget-friendly holidays of the year. I'm
tackling the daunting tasks of grocery shopping, cooking, serving, and
cleaning up - all on a budget.

Shopping

This is where you can really kill your budget. The trick is to buy the
proper amount of food for the number of people coming. It's easy to go
overboard for a holiday that's historically all about tables laden
with food.... for the rest of the article please visit
http://frugal-fanny.blogspot.com/2007/11/food-thanksgiving-on-budget.html

==============================================================================
TOPIC: I'm a Cuckoo and I love it!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a0c7a73d09ee549?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 10:23 am
From: "joyangel123@gmail.com"

Laughter is good for the heart. Being silly and admitting to your
quirks frees the soul and liberates the mind make you full of life and
bursting energy and life. See what happens to you when a cow admits
she's a Cuckoo!
http://123playart.blogspot.com
My Artsy Fartsy World http://www.artsaleclub.com

==============================================================================
TOPIC: Talk of Worst Recession Since the 1930s
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/047a2e6084912a0a?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 10:26 am
From: "Rod Speed"

nick hull <nhull@isp.com> wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> YTR <zzzxtyryyetytryey@googlemail.com> wrote

>>> Talk of Worst Recession Since the 1930s

>> Plenty have run that mindless claim before.

>> Plenty have mindlessly claimed that the world will end too.

> But yet there was a depression in the 30s

There were lots in the century before that too. And not one since. Funny that.

> and history will repeat eventually ;)

Nope, we wont see a return to absolute monarchys
or the US and Canada at war with each other either
or slavery in the first world either.

== 1 of 2 ==
Date: Tues, Nov 13 2007 10:37 am
From: nicole

Many are familiar with the work of the Dollar Stretcher and the Tightwad
Gazette, but not my work - "Cheapo Groovo". I believe their work is
groundbreaking stuff. I'm trying to take what they have done to the next
level.

Here are the ways I have tried to improve on their work and all the
other "money" blogs::
1. Income and investing posts as well as frugal posts
2. Focusing on universal money saving ideas, no matter your life
stage
3. Easy to read posts that can be read and absorbed in seconds
4. Multimedia presentations - audio, video, photos
5. Eliminate information overload - no more than 15 new posts per
month
6. An actual M.B.A. is behind the posts not a "want to be"

Please understand that I'm not saying to ignore discussion boards or
other web sites. Other folks do a much better job at recipes, raising
kids cheaply, or how to change your psychological makeup so you become a
frugal zealot.

Peace

http://cheapogroovo.vox.com

== 2 of 2 ==
Date: Tues, Nov 13 2007 1:30 pm
From: Al Bundy

nicole wrote:
> Many are familiar with the work of the Dollar Stretcher and the Tightwad
> Gazette, but not my work - "Cheapo Groovo". I believe their work is
> groundbreaking stuff. I'm trying to take what they have done to the next
> level.
>
> Here are the ways I have tried to improve on their work and all the
> other "money" blogs::
> 1. Income and investing posts as well as frugal posts
> 2. Focusing on universal money saving ideas, no matter your life
> stage
> 3. Easy to read posts that can be read and absorbed in seconds
> 4. Multimedia presentations - audio, video, photos
> 5. Eliminate information overload - no more than 15 new posts per
> month
> 6. An actual M.B.A. is behind the posts not a "want to be"
>
> Please understand that I'm not saying to ignore discussion boards or
> other web sites. Other folks do a much better job at recipes, raising
> kids cheaply, or how to change your psychological makeup so you become a
> frugal zealot.
>
> Peace
Nothing special there and it took 125 seconds to load with a fast dial-
up so that's enough info for me.
Plus that request for a $3 donation! Sheesh.

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

== 1 of 1 ==
Date: Tues, Nov 13 2007 10:40 am
From: "Rod Speed"

Usenet2007@THE-DOMAIN-IN.SIG wrote:
> jb@www.com says...
>> nospam@nospam.com wrote:
>>> On Mon, 05 Nov 2007 19:25:30 -0500, in misc.consumers.frugal-living
>>> Jon v Leipzig <JVL@myday.com> wrote:
>>>
>>>> barbie gee wrote:
>>>>>
>>>>>> schitozphenia, that's the way it works. I seriously doubt the
>>>>>
>>>>> schitozphenia??
>>>>>
>>>> think he means;
>>>>
>>>> Schizophrenia,
>>>> from the Greek roots schizein (???????, "to split") and phre-n,
>>>> phren- (????, ????-, "mind"),
>>>>
>>>> is a psychiatric diagnosis that describes a mental illness
>>>> characterized by impairments in the perception or expression of
>>>> reality, most commonly manifesting as auditory hallucinations,
>>>> paranoid or bizarre delusions or disorganized speech and thinking
>>>> in the context of significant social or occupational dysfunction.
>>>>
>>>> Diagnosis is based on the patient's self-reported experiences and
>>>> observed behavior. No laboratory test for schizophrenia exists.
>>
>>> No lab tests exist for any metal disorder
>>
>> Wrong, there is for those that are due to other medical problems.
>>
>>> and many are mis-diagnosed
>>
>> Some are, not many.
>>
>>> and then drugged for life.
>>
>> No one is ever drugged for life.
>>
>>> The drugs cause brain damage and psychosis.

>> Mindless pig ignorant drivel.

> But, anyway... On a more serious note, head-pshrinkers
> most definitely DO want people to be "drugged for life."

Easy to claim, hell of a lot harder to actually substantiate that claim.

> That is part of the whole antidepressant scam.

Easy to claim, hell of a lot harder to actually substantiate that claim.

The reality is that depression is a serious problem for a relatively small
subset of society and there are useful treatments for that condition.

> Like any other drug dealer, they need for their customers
> to feel totally dependent. And to keep coming back, month
> after month, to pay some more money for the magical fix.

They'd much prefer a permanent fix that doesnt involve long term use
of a particular product, like we have seen with vaccination and antibiotics.
The problem is that that hasnt been found yet for depression.

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

Easy to claim, hell of a lot harder to actually substantiate that claim.

== 1 of 2 ==
Date: Tues, Nov 13 2007 10:48 am
From: Seerialmom

On Nov 13, 7:42 am, James <jl...@idirect.com> wrote:
> On Nov 12, 11:46 pm, Seerialmom <seerial...@yahoo.com> wrote:
>
>
>
>
>
> > On Nov 10, 2:09 pm, BrotherSandMonkey <blin...@volcanomail.com> wrote:
>
> > > Is this a fair practice? Arab-owned and Asian Indian-owned food marker
> > > dealers are purchasing sufficient quantities, of food items from
> > > discount srores as Aldi and Save A Lot, and
> > > stocking them in their own stores with a boost in price? Then they
> > > expect cusromers to buy them along with Name Brand items (which are
> > > also higher in price but that is understood.).
>
> > Yes it's fair. And you can also find items that were in Dollar Tree
> > or the 99¢ Only store at flea markets as well as the aforementioned
> > ethnic stores. I've often seen items at 99¢ Only store that could be
> > repackaged/repurposed and sold for higher prices (if I had that
> > initiative, that is). Last, around Christmas just take a look at the
> > local want ads or eBay...you'll see the "hot toy/gadget" going for
> > much higher than what it originally sold for. This is the root of
> > capitalism, right? Those sellers are counting on people who aren't
> > savvy enough to find the items when they were cheap or are perhaps
> > "wheel challenged" (hence the mom/pop grocery stores in the inner
> > cities).
>
> Lets be realistic.
>
> Grocery stores work on volume. Most food items have a markup of a
> couple of percent. (non groceries may be much much higher) Loss
> leaders may be so far below wholesale prices it makes them attractive.
>
> A mom and pop convenience store has to make a much higher markup just
> to break even - their relative costs are higher. They don't buy in the
> same quantities that grocery chains do.
>
> Such a law would foce these places out of business, and we would all
> be poorer for it.
>
> James- Hide quoted text -
>
> - Show quoted text -

I have no problem with the practice of buying from one store and
selling in another; it was the OP who was using the veiled argument
about fairness (when it was really something completely different but
I think we all did a pretty good job at ignoring it).

== 2 of 2 ==
Date: Tues, Nov 13 2007 10:55 am
From: James

On Nov 13, 1:48 pm, Seerialmom <seerial...@yahoo.com> wrote:
> On Nov 13, 7:42 am, James <jl...@idirect.com> wrote:
>
>
>
>
>
> > On Nov 12, 11:46 pm, Seerialmom <seerial...@yahoo.com> wrote:
>
> > > On Nov 10, 2:09 pm, BrotherSandMonkey <blin...@volcanomail.com> wrote:
>
> > > > Is this a fair practice? Arab-owned and Asian Indian-owned food marker
> > > > dealers are purchasing sufficient quantities, of food items from
> > > > discount srores as Aldi and Save A Lot, and
> > > > stocking them in their own stores with a boost in price? Then they
> > > > expect cusromers to buy them along with Name Brand items (which are
> > > > also higher in price but that is understood.).
>
> > > Yes it's fair. And you can also find items that were in Dollar Tree
> > > or the 99¢ Only store at flea markets as well as the aforementioned
> > > ethnic stores. I've often seen items at 99¢ Only store that could be
> > > repackaged/repurposed and sold for higher prices (if I had that
> > > initiative, that is). Last, around Christmas just take a look at the
> > > local want ads or eBay...you'll see the "hot toy/gadget" going for
> > > much higher than what it originally sold for. This is the root of
> > > capitalism, right? Those sellers are counting on people who aren't
> > > savvy enough to find the items when they were cheap or are perhaps
> > > "wheel challenged" (hence the mom/pop grocery stores in the inner
> > > cities).
>
> > Lets be realistic.
>
> > Grocery stores work on volume. Most food items have a markup of a
> > couple of percent. (non groceries may be much much higher) Loss
> > leaders may be so far below wholesale prices it makes them attractive.
>
> > A mom and pop convenience store has to make a much higher markup just
> > to break even - their relative costs are higher. They don't buy in the
> > same quantities that grocery chains do.
>
> > Such a law would foce these places out of business, and we would all
> > be poorer for it.
>
> > James- Hide quoted text -
>
> > - Show quoted text -
>
> I have no problem with the practice of buying from one store and
> selling in another; it was the OP who was using the veiled argument
> about fairness (when it was really something completely different but
> I think we all did a pretty good job at ignoring it).- Hide quoted text -
>
> - Show quoted text -

Not arguing with you, agreeing....

James

==============================================================================
TOPIC: -!! FREE GUIDE 2 MAKE $1000's ONLINE !!-
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==============================================================================

== 1 of 1 ==
Date: Tues, Nov 13 2007 11:31 am
From: "C.Broad"

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== 1 of 1 ==
Date: Tues, Nov 13 2007 12:20 pm
From: "127.0.0.1"

2.3 million US Soldiers vs 11.7 million Iranian Soldiers = DRAFT

The Truth Will Set You Free | November 12, 2007

Some sobering advice from a fellow blogger at reigngame.com:

Alright, I know 90% of you guys follow politics so you've undoubtably
read and/or heard about the current Iran situation. I'd like to
briefly talk about the figurative war with Iran. For the sake of
discussion, let's begin with the questionably optimistic assumption
that no major country would forcefully oppose (economically or
militarily) full-scale US military operations in Iran. Nevermind
Iran's 12% imports with Germany and 10% imports with China - I'm sure
Germany and China's economies don't want Iran's money anyway, right?
Nevermind the fact that Iran exports 2,836,000 barrels of oil per day
to various nations that depend on that oil.

We can all just ride bikes until the 2 month war is over! As to the
Iranians themselves, I'm sure they're just dying (no pun intended) to
be invaded, er, `liberated` by Americans, considering the `horrid` 70%
approval rating of Ahmadinejad and the `devastating` $8,700 gross
domestic product per capita (8.6% better than China). I'm sure we'll
be "welcomed in the streets" after we "shock and awe" all important
looking buildings to Jahannum and back.

With a little help from the boys at GFP, I did some exploring into the
military systems of America and Iran and what I found was
alarming . . .

2,369,239 US Soldiers vs 11,770,000 Iranian Soldiers = DRAFT
The United States of America has 2.37 million soldiers capable of
combat and available for mobilization. Let's compare with little ol'
Iran! Iran has THE MOST military personnel available for combat in the
entire world. In fact, Iran has more combat-ready military personnel
than China and Russia combined. 11.7 million guerillas - Talk about
hell. The bottom line is, America can't even handle Iraq. At one
point, we thought we would rush in, smite some nubs with dirks and
bubble hearth back home in time for American Idol. Not quite. And with
Iran, reality is going to hurt a lot more.
America is War Stomping on Artificial Ice Above the Pit of Sparta

At the risk of loosing all my credibility, allow my concern to
manifest itself in a less than mature way: Our economy is &%$#ed. We
have a -862,300,000,000 dollar cash balance. That puts us LAST in the
world for cash balance of our own currency. This is what people are
talking about when they say deficit. But this is more than a deficit;
this is an abandonment of the dollar. The conclusion? Changes. And not
the type of changes 2Pac wanted. Big changes that will crash into the
hull of the United States.
Nerf Executive Branch

America is tipping back way too far in her easy chair - something is
about to happen. This upcoming 2008 election is extremely pivotal. I'm
not going to name any candidates because this isn't that type of
article. But let the point of this entire post clear: If you think
times are boring, think again. If you think the future is predictable,
think again. My advice to everyone who reads this is to be thoughtful,
be skeptical, be wise. Learn, test what you learn and share it. The
future of your family tree is in the balance.

http://infowars.com/articles/ww3/iran_2_million_soldiers_vs_11_million_iranian_soldiers.htm

== 1 of 3 ==
Date: Tues, Nov 13 2007 12:53 pm
From: Dennis

On Mon, 12 Nov 2007 18:45:21 -0800, James <j0069bond@hotmail.com>
wrote:

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

Does George W. count?
(Only to ten, Mudhead.)

Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally

== 2 of 3 ==
Date: Tues, Nov 13 2007 12:59 pm
From: George Grapman

Dennis wrote:
> On Mon, 12 Nov 2007 18:45:21 -0800, James <j0069bond@hotmail.com>
> wrote:
>
>> I hear the MacDonald's double cheese burger is one. The regular
>> cheeseburger is 99 cents and the double is $1.

I once read a book about McDonald's. It said that the basic burger
was a break even proposition. They made the money on the soda and/or the
fries.
At least one McDonald's here in SF does not take part in the $1
promos as corporate can not force prices on franchisees.
The same book also said that soda is a huge profit. Coke is willing
to sell syrup to them at a very low price do to the volume of
sales,advertising featuring Coke and fear of losing them to Pepsi.
>>
>> What lost other leaders do you know?
>
> Does George W. count?
> (Only to ten, Mudhead.)
>
> Dennis (evil)

== 3 of 3 ==
Date: Tues, Nov 13 2007 1:51 pm
From: James

On Nov 13, 3:59 pm, George Grapman <sfgeo...@paccbell.net> wrote:
> Dennis wrote:
> > On Mon, 12 Nov 2007 18:45:21 -0800, James <j0069b...@hotmail.com>
> > wrote:
>
> >> I hear the MacDonald's double cheese burger is one. The regular
> >> cheeseburger is 99 cents and the double is $1.
>
> I once read a book about McDonald's. It said that the basic burger
> was a break even proposition. They made the money on the soda and/or the
> fries.
> At least one McDonald's here in SF does not take part in the $1
> promos as corporate can not force prices on franchisees.
> The same book also said that soda is a huge profit. Coke is willing
> to sell syrup to them at a very low price do to the volume of
> sales,advertising featuring Coke and fear of losing them to Pepsi.
>
Correct. Selling a canister of syrup is relatively cheap - much
cheaper to ship than bottles of cans because of the weight of the
water. The syrup costs pennies a cup. Water comes from the
municipality, water filters are cheap, and CO2 isn't expensive either.
The cups, lids and straws are cheap in massive volume.

The burgers are there to get you to buy pop and fries.

Similarly in movie theatres, the entrance fee in the budget ones just
covers the costs, but they rake in big bucks on the consessions.

James

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Today's topics:

== 1 of 2 ==
Date: Tues, Nov 13 2007 12:21 am
From: Anthony Matonak

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

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

You can find electric log splitters for under $200.

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

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

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

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

Anthony Matonak wrote:

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

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

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

My recommendations are:

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

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

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

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

And for all things solar thermal:

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

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

>
> Anthony

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==============================================================================

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

YTR <zzzxtyryyetytryey@googlemail.com> wrote

> Talk of Worst Recession Since the 1930s

Plenty have run that mindless claim before.

Plenty have mindlessly claimed that the world will end too.

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

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

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

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

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

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

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

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

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

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

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

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

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

YTR <zzzxtyryyetytryey@googlemail.com> wrote

> Dollar Crisis:

There is no 'crisis', fool.

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

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

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

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

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

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

James

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

==============================================================================
TOPIC: wholesale nike jordan adidas prada puma gucci evisu shoes,handbag,
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4d5bb5a88f4ad06f?hl=en
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== 1 of 1 ==
Date: Tues, Nov 13 2007 2:41 am
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== 1 of 1 ==
Date: Tues, Nov 13 2007 2:03 am
From: Usenet2007@THE-DOMAIN-IN.SIG

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

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

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

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

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

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

==============================================================================
TOPIC: cheap sell nike jordan gucci bag
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d889edeefdfd5018?hl=en
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== 1 of 1 ==
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== 1 of 1 ==
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== 1 of 1 ==
Date: Tues, Nov 13 2007 3:53 am
From: "Shawn H."

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

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

I have no idea. Why does it matter?

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

George Grapman wrote:

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

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

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

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

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

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

It varies.

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

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

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

==============================================================================
TOPIC: FREE Oakley Microclear Subglasses Bag! MUST Have!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cfb780371e7a77b5?hl=en
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== 1 of 1 ==
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TOPIC: Free Meal Planning Guide
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== 1 of 1 ==
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== 1 of 1 ==
Date: Tues, Nov 13 2007 5:09 am
From: "wansford@googlemail.com"

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

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

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

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== 1 of 2 ==
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== 2 of 2 ==
Date: Tues, Nov 13 2007 7:27 am
From: Babe16

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

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

Lets be realistic.

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

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

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

James

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