Frugal Living: 25 new messages in 13 topics

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

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TOPIC: New Shoes Boots Purses Clothing China Supplier (www.globwholesale.com)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/37ceee9213108c53?hl=en
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== 1 of 1 ==
Date: Tues, Jan 15 2008 8:14 am
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== 1 of 1 ==
Date: Tues, Jan 15 2008 8:15 am
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TOPIC: www.200836.com---seller of 2008 beijing Olympic games Communications
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9801d871af0aadf4?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jan 15 2008 8:16 am
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TOPIC: buy cheap shoes (www.shoes-ec.com)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6c15d8859991cdf0?hl=en
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== 1 of 1 ==
Date: Tues, Jan 15 2008 8:47 am
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TOPIC: Best cheap LED flashlight from Walmart?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/289e1ab2c0f56d4c?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jan 15 2008 9:32 am
From: me@privacy.net

Jeff <jeff@spam_me_not.com> wrote:

>Almost all the Amish I knew had a one AAA Dorcy LED light. Just enough
>light to get around and very small, but dependable.

Actually a small one is sometimes handier to carry
around

I will have to take a look at it!

==============================================================================
TOPIC: Internet TV vs regular TV?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f04f08d896e09fd2?hl=en
==============================================================================

== 1 of 6 ==
Date: Tues, Jan 15 2008 9:37 am
From: me@privacy.net

"Rod Speed" <rod.speed.aaa@gmail.com> wrote:

>> And since I'm full time college student was hoping the
>> new PC could "be" a TV as well by getting programming
>> form Internet feed. No?
>
>The result is nothing like TV. You may not care tho if you dont watch much TV.

Understood..... but have NOTHING now.... no TV or
Internet at home...so anything will be better

== 2 of 6 ==
Date: Tues, Jan 15 2008 9:39 am
From: me@privacy.net

Shawn Hirn <srhi@comcast.net> wrote:

>> Question...rather than viewing TV shows on your
>> computer via TV signal input..... how possible is it to
>> get TV shows right OFF the Internet period thereby
>> bypassing the normal channels for TV anyway?
>
>Just buy a TV card for your computer. Most cards can accept a TV signal
>from an antenna or a paid service (cable, satellite, FIOS). Stop by your
>favorite computer store to see what's available.

Yep could do that as well..... and might

But was just curious what kind of 'programming" .....
if any..... could come straight form the Net thereby
bypassing off air reception and TV card hardware.

Sounds possible but limited in quantity and quality

== 3 of 6 ==
Date: Tues, Jan 15 2008 9:42 am
From: me@privacy.net

"Leroy" <leroy@ addy.invalid> wrote:

>> Question...rather than viewing TV shows on your
>> computer via TV signal input..... how possible is it to
>> get TV shows right OFF the Internet period thereby
>> bypassing the normal channels for TV anyway?
>
>Extremely easy. And legal if you avoid the 'P2P' accesses.
>
>Here's a meta index of iptv stuff:
>
>http://www.ovguide.com/

Interesting thanks!

Question.... if I bought say a big 22" or 24" inch
monitor..... would that make watching IPTV any easier
form a distance such as setting on a couch 8 feet away?

Also.... anyway to get rid of the ads around the video
and make the image full screen?

== 4 of 6 ==
Date: Tues, Jan 15 2008 9:44 am
From: me@privacy.net

"Leroy" <leroy@ addy.invalid> wrote:

>a few more links. BTW, you do realize that you
>need highspeed internet, not dial-up?

yes I realize

== 5 of 6 ==
Date: Tues, Jan 15 2008 10:47 am
From: "Rod Speed"

me@privacy.net wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote

>>> And since I'm full time college student was hoping the new PC could
>>> "be" a TV as well by getting programming form Internet feed. No?

>> The result is nothing like TV. You may not care tho if you dont
>> watch much TV.

> Understood..... but have NOTHING now.... no TV
> or Internet at home...so anything will be better

I'd go for one of the USB digital TV tuners in your situation myself.

I prefer to do that multichannel and record TV to the hard drive
so I can watch it whenever I like. I watch almost nothing live now.
That approach needs some serious hard drive space tho.

== 6 of 6 ==
Date: Tues, Jan 15 2008 10:49 am
From: "Leroy"

me@privacy.net wrote:
> "Leroy" <leroy@ addy.invalid> wrote:
>> Extremely easy. And legal if you avoid the 'P2P' accesses.
>>
>> Here's a meta index of iptv stuff:
>> http://www.ovguide.com/
>
> Question.... if I bought say a big 22" or 24" inch
> monitor..... would that make watching IPTV any easier
> form a distance such as setting on a couch 8 feet away?

certainly. I use a 24 inch monitor seven feet away and often
shrink the tv 'window' because it's too big.

>
> Also.... anyway to get rid of the ads around the video
> and make the image full screen? Use FireFox
browser with the Ad Block Plus extension to eliminate
most ads.

On many videos, double click the image to increase the
size. Sign up at joost.com and get their player. gives
excellent full screen video

http://joost.com

And tons
of quality free content.

Some other sites with good full screen are hulu.com,
veoh.com, abc.com, and Fox, http://www.fox.com/fod/
the divX format show at stage6.com are full screen, too.

IMO, the best of both worlds for your new PC is to use
for graphics a card with built in TV/FM tuner. Use the
tuner for local OTA TV and FM. Use the internet to
get shows and movies *on demand*. The tuner
feature of a graphics card doesn't add much to the cost
and is well worth while.

Leroy

==============================================================================
TOPIC: Honda Civic or Toyota Corolla or Mazda, which is best????
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3262f8c1d706d9af?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jan 15 2008 9:48 am
From: me@privacy.net

Shawn Hirn <srhi@comcast.net> wrote:

>Maintenance software? Any calendar program can do that

yes.... but some thing are better done on a mileage
basis rather than a calendar basis.

Would you rotate your tires every 6 months if that car
had only been driven 2000 miles? See what I mean?

==============================================================================
TOPIC: insurance is important in our life
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/770bacbc09e6dcda?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jan 15 2008 9:49 am
From: Too_Many_Tools

On Jan 14, 10:17 pm, "r.she...@gmail.com" <r.she...@gmail.com> wrote:
> insurance is important in our life
> ****************************************http://padmagirl.blogspot.com
> ****************************************

Insurance is not important...it is just another thing that you buy
frugally when you have to.

Life is important...last time I looked you only get so much...no more.

TMT

==============================================================================
TOPIC: Why do people stay in overpriced real estate markets?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/56d80a4d61e1222e?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Jan 15 2008 10:15 am
From: Snowbound

In article
<b3f62888-5ee7-445c-b391-98fd30870dfc@v46g2000hsv.googlegroups.com>,
BeaForoni@msn.com wrote:

> Why live in a desirable market? Because it is desirable.

Head On Desirable Real Estate! Apply directly to the forehead! Head On
Desirable Real Estate! Apple directly to the forehead! Head On Desirable
Real Estate! Apple directly to the forehead! Head On Desirable Real
Estate! Apple directly to the forehead! Head On Desirable Real Estate!
Apple directly to the forehead!

> In the eighties, Sothern California had a real estate bubble
> that burst. Homes lost twenty percent of value. People abandoned their
> properties rather then pay on an upside down mortgage. A few years
> later the prices again rose and those who stayed saw their equity
> increase.

With any luck, before the OO's expire, Sothern California will fall into
the ocean taking its pretentious population with it, making Sierra the
next boom real estate market.

== 2 of 2 ==
Date: Tues, Jan 15 2008 10:19 am
From: Snowbound

In article
<b3f62888-5ee7-445c-b391-98fd30870dfc@v46g2000hsv.googlegroups.com>,
BeaForoni@msn.com wrote:

> Folks who live lives full of experiences and opportunities live full
> lives.

Which of course is reserved to those who live in "desirable" real estate
markets. No, you are not full of yourself. Snotty is as snotty does: it
inflates worthless desert real estate values if nothing else (as long as
someone is willing to export water to it). Otherwise, sothern california
would be less filled with oh-so-wonderful life and experiences than
Tucson, AZ. I personally, based on your article, hope the water-rich
folks turn off your tap real soon now. Enjoy playing golf in an endless
sand trap.

==============================================================================
TOPIC: Plastic grocery bag debate question
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/76c040c2f7b9f6a6?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Jan 15 2008 10:18 am
From: me@privacy.net

sarge137 <rbooth9858@yahoo.com> wrote:

> As one of the speakers pointed out, banning the bags
>won't result in less plastic in the land fills, it will only cause
>people to buy plastic bags for the same purposes they presently reuse
>these bags for.

But cant you buy corn based garbage bags that WILL
breakdown in a landfill?

== 2 of 3 ==
Date: Tues, Jan 15 2008 10:28 am
From: Melinda Meahan - take out TRASH to reply

me@privacy.net wrote:
>
> But cant you buy corn based garbage bags that WILL
> breakdown in a landfill?

No. You can buy plastic bags that have some plastic and some corn and
will break down into small plastic pieces in the landfill.

--
Every job is a self-portrait of the person who does it. Autograph your
work with excellence.

== 3 of 3 ==
Date: Tues, Jan 15 2008 10:47 am
From: Cindy Hamilton

On Jan 14, 7:55 pm, pc <p...@somewhere.com> wrote:

> But..how do you deal with your household garbage? Do you just throw
> everything into the household cans and then into a larger garbage bin?
> And then either take the bin to the dump, or put it out for pickup?

I buy garbage bags that fit my rather large kitchen can. The cans
in other rooms receive clean paper and plastic products and do
not require liners. I dump all of the cans throughout the house
into one bag, or into the kitchen can if it's not too full when I'm
ready
to take out the trash. The bags get put into an outdoor trash can
with
a secure-fitting lid (to foil the raccoons) and I bring that can to
the curbside
on garbage day.

> Then do you have to scrub out the various household cans?

Why would you feel it necessary to scrub the can in, say, the
bedroom, which receives (in my house, at least), mainly dry
(unrecyclable) paper and plastic?

I get paper bags and the grocery store and re-use them until they're
falling
apart, at which time I place recyclable glossy paper (which must be
separated from newsprint hereabouts) into them and put them out with
the recycling.

Cindy Hamilton

==============================================================================
TOPIC: Being The Frugal Person..What Did You Buy This Christmas?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23d6fe7a657db887?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Jan 15 2008 10:20 am
From: Too_Many_Tools

Curious...as a frugal person what did you buy this Christmas?

TMT

== 2 of 3 ==
Date: Tues, Jan 15 2008 10:33 am
From: James

On Jan 15, 1:20 pm, Too_Many_Tools <too_many_to...@yahoo.com> wrote:
> Curious...as a frugal person what did you buy this Christmas?
>
> TMT

Books, video games, stocking stuffers, no big ticket items as we don't
do that for Christmas. I'd like to think we celebrate the religious
holiday more than the corporate greed fest.

James

== 3 of 3 ==
Date: Tues, Jan 15 2008 10:41 am
From: "Rod Speed"

Too_Many_Tools <too_many_tools@yahoo.com> wrote:

> Curious...

Dont forget what that did to the cat.

> as a frugal person what did you buy this Christmas?

Nothing unusual. Never been into the 'present' scam, so didnt bother with any of those.

I do like Xmas food, so ate some of that while its available.

Our Xmas is in summer, so enjoyed summer fruit, but that has nothing to do with Xmas.

==============================================================================
TOPIC: OT: Why I hate Geico ads
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c126ff8f6e76bda5?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jan 15 2008 10:26 am
From: "Green Xenon [Radium]"

Fuck geico's piece of shit ads.

Here are examples of geico ads which I fucking hate because they are so
fucking stupid:

1. http://www.youtube.com/watch?v=BSPXpc5N6Kg -- this ad depicts the 50s
or before when [obviously] there was no such thing as geico or their
stinkin car insurance

2. http://www.youtube.com/watch?v=Em-b0wQzQ-0 -- asshole celebrity
"mashed potatoes woohoo!" Howd ya like some mashed potatoes up your
stinky ass, you disheveled shithole?!

There is also another geico ad that I hate with a passion which I wasn't
able to find. It's a black and white ad depicting the old days when
there was no internet. That ad talks about some guy who went poor and
started hunting deer for food. It then shows that he somehow makes a lot
of money. There is critic in the background who says "I was initially
skeptical of this claim". This ad then show the main character going
onto a computer [!!!!!!!] and the internet [what the fuck!!!!] and
changing his car insurance to Geico. WTFuck is wrong with Geico, they
were depicting a time when computers and internet were absent yet they
show someone in that time going onto a PC and accessing the net! This is
so fucking stupid and annoying! It is blatantly idiotic and pisses me
off. I feel like burning those involved in producing that advertisement.
I want to torch their skin until it blisters into white foam. Stupid
assholish sick fucks deserve to burn in hell for the annoyance they cause.

I'd rather watch their old cavemen ads for an hour than a second of the
ads I mentioned above.

I lay a curse on those geico fuckheads:

In your next incarnation you'll all be satan's bitches!

==============================================================================
TOPIC: temporary health insurance for a recent graduate
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ca3c7cbfde6133a7?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Jan 15 2008 10:31 am
From: Melinda Meahan - take out TRASH to reply

Goomba38 wrote:
>
>> Look to every other industrialized country in this world. There's your
>> suggestions and ideas on how to make it work. Insurance doesn't work -
>> it's a scam. That's a fact.
>
> I think you meant it is a "business" rather than "scam"

Well, I wouldn't call it a business. I would call it a gamble, and some
gambles are closer to a scam than a business.

As much as I detest the notion of government-sponsored health care, I
have to concede that if health care was treated as a not-for-profit
business, the cost of health care would certainly plummet.

--
Every job is a self-portrait of the person who does it. Autograph your
work with excellence.

== 2 of 3 ==
Date: Tues, Jan 15 2008 10:45 am
From: Too_Many_Tools

On Jan 13, 4:37 pm, Goomba38 <Goomb...@comcast.net> wrote:
> clams_casino wrote:
> > I fully agree. If you are a healthy young male, your likeliness of
> > having a significant medical problem is nearly negligible (other than
> > perhaps via traffic or job related accident, which should be covered
> > elsewhere)
>
> > If you feel uneasy about having no coverage, I'd suggest the low premium
> > / high deductible coverage if that helps you to sleep better.
>
> What insurance other than medical would cover him if he had a major auto
> accident and he was at fault? Everyone should cover themselves for such
> major hospitalization if nothing else, IMO. It should also cover that
> odd appendix and the like.
> The low premium, high deductible is ideal for a man this age.

I agree.

You are a fool not to be covered for catastophic...it can happen to
ANYONE.

I have know a number of young people whose financial futures were
destroyed by a major medical incident.

TMT

== 3 of 3 ==
Date: Tues, Jan 15 2008 10:46 am
From: Too_Many_Tools

On Jan 13, 5:22 pm, hchick...@hotmail.com wrote:
> On Sun, 13 Jan 2008 22:09:46 GMT, Gordon <go...@alltomyself.com>
> wrote:
>
>
>
>
>
> >P <t...@temp.com> wrote in
> >news:141kpse7ti1ck$.1yucnhfn9jrf.dlg@40tude.net:
>
> >> I have just graduated, am 24 yrs old with a Body Mass Index of 20, no
> >> health issues. I have started looking for full time jobs, but until I
> >> get coverage through my employer I want to have some sort of coverage
> >> for catastrophic matters. I cannot come under my parent's coverage(as
> >> they are self-employed so have to get their own). I can work for some
> >> place(WalMart, McDonald) full time to get coverage, but I would rather
> >> spend all my time searching for jobs than working at those places just
> >> for the sake of health insurance. Working full time at one job will
> >> reduce the available time to job searching.
>
> >> I have browsed the web and talked to a few agents, but the more agents
> >> I talk to the more confused I become as to which plan to choose. Some
> >> offer a premium of 100/month and some as low as 30/month(which have a
> >> high deductible of 2500 and which cannot be considered credible
> >> coverage) if I get a position(as told by the plan agent).
>
> >> Is it better to get a premium of 100/month or the one with 30/month
> >> would be fine? I generally visit the doctor once a year, don't have
> >> glasses.
>
> >> I would appreciate any advice and I am presently in Florida, U.S.
>
> >As a young man (or woman, you didn't say) in good health you are
> >probably not going to have any health problems that will need
> >critical care. I would almost argue that you don't need health
> >insurance.
>
> >What you need to do is figure out what you want your insurance
> >to cover. Comprehensive coverage (that pays for everything)
> >will come with a high price tag. On the other hand, if you
> >are willing to pay for some of the basics, you can get catastophic
> >coverage (major medical) that pays for only the realy big bad
> >expensive stuff.
>
> That covers the basics, Gordon. I have to add a few things, based on
> the system the way it is now.
>
> Number one, I would be only looking for catastrophic coverage with the
> possibility of adding features later. As you point out, the chances
> are that nothing (short of a traffic accident which would be covered
> under auto insurance) will happen in the short term.
>
> Number two, at that age especially, I would ONLY be looking at plans
> that are valid in a number of states, meaning truly transportable.
> BC/BS plans can be state specific, small insurers may only be licensed
> in one or two states and have minimal reserves. With the possibility
> of having to move because of job opportunities, it is important that
> the insurance can follow. That leads into #3-
>
> Number three, I would KEEP MY OWN insurance, no matter how much the
> cost or trivial the payouts, EVEN IF THE EMPLOYER OFFERED INSURANCE.
> Why? At age 24 a person can find a policy that is multi-state,
> non-cancellable, and has a low rate. Once the first year of payments
> have been made, there is generally no exclusion for "pre-existing"
> conditions. Why is this important? Let's say the OP develops
> diabetes or a heart condition is detected at age 26 and he or she is
> only covered by the employer's insurance. Now lets say the OP quits,
> gets fired, or the company goes out of business within five years (the
> chances of one of these happening is well over 50% IME). The OP is
> now shit outta luck. There is no COBRA if the company goes out of
> business, and finding a new insurance company that will cover the
> biggies like diabetes, heart ailments, and depression will be
> ***IMPOSSIBLE*** at that time except at greatly inflated rates.
> Insurers only want to insure well people.
>
> The whole concept of employer supplied insurance is totally flawed
> from the point of view of a worker. First, the savings vs having your
> own policy, if in good health, are minimal. Employers know that
> offering insurance allows them to offer less as a salary and, if their
> hiring choice of employees is right, keep their contributory costs at
> a minimum. Secondly, and because of this, use of the employer's
> policy raises flags in most companies and in some small companies can
> lead to termination (often for some trumped-up other reason). Third,
> the insurance becomes a club that the employer can hold over the head
> of the employee to keep them from asking for a raise or even quitting.
> Fourth, it allows at least the gatekeeper (usually human resources) at
> the company to pry into personal medical history. Fifth, companies
> can and do eliminate insurance plans as dictated by their own
> financial needs. Sixth, a single sick worker in a small company can
> create a rate hike for all workers. Seventh, fighting with the
> insurance company for fair payments of expenses becomes tantamount to
> fighting with the employer.
>
> What the OP needs to find is an insurer that is solid and has been
> around for a while, has a policy that covers a large group and is
> NON_CANCELLABLE, and is transportable across state lines. The OP
> should then plan on keeping that policy until retirement.
>
> Mark my words, there are thousands and thousands of people who have
> depended on insurance from employers, found themselves out on the
> street, had financial disaster, and lost a lifetime of savings, all
> because they couldn't afford healthcare.
>
> The final caveat is that the OP must be brutally honest in the
> original application and list every doctor visited, every prescription
> filled, and make absolutely sure that there are no problems not listed
> on the application. It is a lot more profitable for an insurance
> company to accept an application that lies, and then only do the due
> diligence once a disease or event has occured, denying coverage, and
> cancelling the policy at the worst possible time. It can even pay the
> applicant to get an independent physical from a doctor (including
> x-rays and full blood work), certifying that there are no apparent
> problems as of the date of application.- Hide quoted text -
>
> - Show quoted text -

Damn good posting...it should be given to every employee.

TMT

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Tuesday, January 15, 2008

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