Frugal Living: 20 new messages in 10 topics

Wednesday, October 22, 2008

20 new messages in 10 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: In these economic times, a new comic strip I'd LIKE to see....
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ea6c6c7b9d67c81b?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 21 2008 1:20 pm
From: "Rod Speed"

lenona321@yahoo.com wrote
> Rod Speed <rod.speed....@gmail.com> wrote
>> lenona...@yahoo.com wrote

>>> Granted, the mothers in "Stone Soup" or "Heart of the City" would be
>>> likely candidates for imposing the former system, but I've yet to
>>> see them say "you want it, you earn it" more than, say, once a
>>> year. Not to mention I thought it was outrageous when, in "Zits,"
>>> (I think it was in the book "Jeremy & Mom") Connie Duncan bursts in
>>> and starts yelling at Jeremy about his cell phone/texting bill and
>>> Jeremy simply nods gravely at the right times without mentally
>>> hearing a word, since he knows she'll calm down and hug him
>>> eventually. Did it ever occur to Connie that none of this would
>>> happen if HE had to work and pay for every little personal luxury
>>> that can easily get out of control?

>> Plenty still have the same problem when they do get to work and pay for everything.

> I don't follow. Are you saying that many teens can't control
> their spending even when they work for all their money?

Yep.

> Maybe.

No maybe about it.

> However, at least Connie would have no cause to yell at Jeremy if
> it were HIS earned money we were talking about - but in that strip,
> she was yelling clearly because the bill was going to her and Dad.

Yep, only a fool does it like that.

==============================================================================
TOPIC: Follow-u: Re: Home heating oil price?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/25ab6d7a439ac7f1?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 21 2008 12:37 pm
From: Ann

On Mon, 01 Sep 2008 16:34:53 -0400, Ann wrote:
<...>

Ordered home heating oil fill today @ 2.879 (10-day cash). I expect
the price will drop more before I would need to buy it, but decided that
would be pushing my luck too far.

==============================================================================
TOPIC: replacing the blower motor on my car
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e2ed89c096a191e5?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 21 2008 1:54 pm
From: Jeff

Vic Smith wrote:
> On Tue, 21 Oct 2008 15:25:45 -0400, OhioGuy <none@none.net> wrote:
>
>> Anyone know how to move an alternator up and out of the way on a 1996
>> Buick Century? (or where I might be able to find some helpful info on
>> something like that?) Thanks!
>
> Ask at rec.autos.tech.

Or get a repair manual. That's a common enough problem. You can read the
manual in store if you don't feel like coughing up the $12.

I believe Auto Zone also has as online "How To".

Jeff

But if it close to being like most of the
> similar GM's I've done, it goes like this:
> Turn the tensioner to loosen and disconnect the serpentine belt from
> the alt pulley.
> Use a wrench or maybe a pry bar. Be careful you don't break anything
> with the pry bar.
> Remove a couple bolts to move the alt.
> If you have mess with the wiring to the alt, or there's the chance of
> it shorting anywhere on the engine, disconnect the battery first.
> Reverse the process after you replace the blower motor.
> If you disconnected the battery, you might have to "relearn"
> the electronics.
> You can look that up, or ask at rec.autos.tech.
> Don't hold me responsible if you mess something up.
> Just be careful and know what you're doing before you start.
>
> --Vic

==============================================================================
TOPIC: Do You Know Where To Get A Safe Payday Loan?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8433d396148c090b?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 21 2008 2:01 pm
From: Al Bundy

On Oct 21, 1:55 am, cakapgold <sitinoora...@gmail.com> wrote:
> Do You Know Where To Get A Safe Payday Loan?
>
>
> One of the most popular ways of getting a loan today is through a
> payday or check advance company. So many people are using these
> services to supplement their income when they find themselves in
> unexpected situations that require more money than what they have on
> hand. They are really convenient because they usually require no
> credit checks and only a minimum of other paperwork and requirements.
> Almost anyone who has a regular job and a checking account in good
> standing can be eligible for one of these loans.
>
>
It's not a way to supplement income. It's quite expensive. It's
borrowing from Peter to pay Paul and that makes your peter sore.
Not that you care anyway beyond driving traffic.

==============================================================================
TOPIC: narrative taken from Sunday Morning's televised 'Meet The Press,' and
the author is employed none other than the Washington Post
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/276d84a9173419c9?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Oct 21 2008 3:40 pm
From: "AllEmailDeletedImmediately"

> Yeah......the Washington Post of New York and Los Angeles Times fame!!
>
> Must say that I'm duly impressed.................. From Sunday's Televised
>
> 'Meet the Press' Senator Obama was asked about his stance on the American
>
> Flag. Obama Explains National Anthem Stance Sun, 07 Sept. 2008 11:48:04
>
> EST, General Bill Ginn' USAF (ret.) asked Obama
>
> to explain why he doesn't follow protocol when the National Anthem is
> played.
>
> The General also stated to the Senator that according to the United States
>
> Code, Title 36, Chapter 10, Sec. 171... During rendition of the national
>
> anthem when the flag is displayed, all present except those in uniform are
>
> expected to stand at attention facing the flag with the right hand over
> the
>
> heart. At the very least, 'Stand and face it.'
>
> Senator Obama Live on Sunday states,
>
> 'As I've said about the flag pin, I don't want to be perceived as taking
>
> sides, Obama said. 'There are a lot of people in the world to whom the
>
> American flag is a symbol of oppression.
>
> And the anthem itself conveys a war-like message. You know, the bombs
>
> bursting in air and all.
>
> It should be swapped for something less parochial and less bellicose. I
> like
>
> the song 'I'd Like To Teach the World To Sing.' If that were our anthem,
>
> then I might salute it. 'We should consider to reinvent our National
> Anthem
>
> as well as to redesign our Flag to better offer our enemies hope and love.
>
> It's my intention, if elected, to disarm America to the level of
> acceptance
>
> to our Middle East Brethren. If we as a Nation of warring people, should
>
> conduct ourselves as the nations of Islam, whereas peace prevails.
> Perhaps
>
> a state or period of mutual concord between our governments. When I become
>
> President, I will seek a pact or agreement to end hostilities between
> those
>
> who have been at war or in a state of enmity, and a freedom from
> disquieting
>
> oppressive thoughts.
>
> We as a Nation have placed upon the nations of Islam an unfair injustice.
> My
>
> wife disrespects the Flag for many personal reasons. Together she and I
> have
>
> attended several flag burning ceremonies in the past, many years ago. She
>
> has her views and I have mine'. Of course now, I have found myself about
> to
>
> become the President of the United States and I have put aside my hatred.
> I
>
> will use my power to bring CHANGE to this Nation, and offer the people a
> new
>
> path of hope. My wife and I look forward to becoming our Country's First
>
> Family. Indeed, CHANGE is about to overwhelm the United States of America
> .
>
> WHAAAAAAAT the Hell !!! Yes, ladies and gentlemen, you heard it right.
>
> This could possibly be our next President. I, for one, am speechless.
>
> Dale Lindsborg , Washington Post

== 2 of 2 ==
Date: Tues, Oct 21 2008 3:47 pm
From: "AllEmailDeletedImmediately"

==============================================================================
TOPIC: I think I'm throwing in the towel - house reappraisal
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e3e20997903e48b2?hl=en
==============================================================================

== 1 of 6 ==
Date: Tues, Oct 21 2008 3:46 pm
From: OhioGuy

I've got a meeting tomorrow about the 2008 reappraisal of our house
for tax purposes. So many houses are vacant that our city has jacked up
the values for those of us who are actually paying taxes to try to make
up the difference.

The thing is, the city simply used a sample of similar properties
that people overpaid for to determine the values of OUR properties.
They farmed this out to a third party company which simply drove by and
took a picture of the outside of our house, then used a computer program
to determine that the true value of our house should be 45% higher than
the price we paid for it 5 years ago.

This is despite the fact that average sale prices for our zip have
DECLINED 19.4% over the past year. (according to trulia.com, July-Sept
2007 vs July-Sept 2008) So somehow they are saying the value went up
enough over the past 4 years to still be up 45% after a 19.4% drop this
year. That's amazing - considering that Ohio never had a housing
bubble, and houses have been fairly stable.

Granted, we didn't overpay for our place. We got it at fair market
value, and paid the asking price of $46,000 for our 2,500 square foot
duplex. (6 bedrooms, 2 bathrooms) It sounds low compared to many parts
of the country, but it LOOKED bad. It had water damage to the drywall,
and lots of things needed painted and spackled, but everything was
structurally solid.

Anyway, guess who is hearing my complaint? Yes, it is the third
party company who the city farmed the appraisal out to. I'm SURE they
will be quite fair and unbiased in hearing me.

Of course, I've looked at the taxes being paid by many of my
neighbors, as well as the prices paid for their homes. Most of them
evidently either overpaid, or are paying higher taxes than I am.
Evidently they never successfully complained about the taxes when given
the opportunity.

My chances look pretty bleak. When I saw duplex after duplex in the
area with even higher taxes than ours, and sales prices higher than
ours, I began doubting whether I'd be able to make any traction to my
argument. I also decided not to spend the $600 on having a new
appraisal done, since it looked like it would probably just be money
down the drain.

The only thing I can really argue at this point is that the sales
prices of other homes in the area are rather general and meaningless
when compared to the actual sales price of THIS property back in October
2003. I can argue that the current appraisal value of THIS property
should be based on the SALES PRICE of THIS property, adjusted for
inflation and the current housing market.

Think I'll get anywhere with that one tomorrow?

Sure, I do have 3 or 4 similar duplexes I've found in the area that
sold for between $25K and $45K in the past 5 years. However, all I can
do with that is highlight how they simply jacked the appraised values up
a lot on those properties as well.

Anyone have any suggestions for me to try tomorrow?

== 2 of 6 ==
Date: Tues, Oct 21 2008 3:56 pm
From: Gordon

OhioGuy <none@none.net> wrote in news:gdlm40$4ns$1@aioe.org:

> I've got a meeting tomorrow about the 2008 reappraisal of our house
> for tax purposes. So many houses are vacant that our city has jacked
> up the values for those of us who are actually paying taxes to try to
> make up the difference.
>
> The thing is, the city simply used a sample of similar properties
> that people overpaid for to determine the values of OUR properties.
> They farmed this out to a third party company which simply drove by
> and took a picture of the outside of our house, then used a computer
> program to determine that the true value of our house should be 45%
> higher than the price we paid for it 5 years ago.
>

>
> Anyone have any suggestions for me to try tomorrow?
>

What data are you bringing to the meeting to support your
position? Did you get a realtor or title company to run
you a list of recent sales of simular properties in your
area??

== 3 of 6 ==
Date: Tues, Oct 21 2008 4:44 pm
From: "Lou"

"OhioGuy" <none@none.net> wrote in message news:gdlm40$4ns$1@aioe.org...
> I've got a meeting tomorrow about the 2008 reappraisal of our house
> for tax purposes. So many houses are vacant that our city has jacked up
> the values for those of us who are actually paying taxes to try to make
> up the difference.
(snip)
> The only thing I can really argue at this point is that the sales
> prices of other homes in the area are rather general and meaningless
> when compared to the actual sales price of THIS property back in October
> 2003. I can argue that the current appraisal value of THIS property
> should be based on the SALES PRICE of THIS property, adjusted for
> inflation and the current housing market.
>
> Think I'll get anywhere with that one tomorrow?

I don't have anything worthwhile to suggest. However, I'll note that what
you paid for the place in 2003 is irrelevant, as is the recent drop in
average sales price from last year in your zip code - if what they're
supposed to be doing is appraising at today's market, what counts is what
the place would sell for today. From what you've said, "they" could just as
reasonably argue that you've been under-assessed for the last five years.

== 4 of 6 ==
Date: Tues, Oct 21 2008 7:43 pm
From: Jeff

OhioGuy wrote:
> I've got a meeting tomorrow about the 2008 reappraisal of our house
> for tax purposes. So many houses are vacant that our city has jacked up
> the values for those of us who are actually paying taxes to try to make
> up the difference.
>

There's a butt load of online appraisals that will give you actual
sales and comps in your neighborhood. realtor.com and zillow.com to name
just two. There's a better one, but I don't have it bookmarked.

I'm still settling my Mom's estate in Ohio. My brother and myself
wanted to buy out my sister who just wants the money from the sale (Dad
built the house). Well, even though she had done an estimate recently
she hired an appraiser who went in and calculated everything that could
be done to raise the selling price. The net result? The house went down 20K.

Jeff

> The thing is, the city simply used a sample of similar properties that
> people overpaid for to determine the values of OUR properties. They
> farmed this out to a third party company which simply drove by and took
> a picture of the outside of our house, then used a computer program to
> determine that the true value of our house should be 45% higher than the
> price we paid for it 5 years ago.
>
> This is despite the fact that average sale prices for our zip have
> DECLINED 19.4% over the past year. (according to trulia.com, July-Sept
> 2007 vs July-Sept 2008) So somehow they are saying the value went up
> enough over the past 4 years to still be up 45% after a 19.4% drop this
> year. That's amazing - considering that Ohio never had a housing
> bubble, and houses have been fairly stable.
>
> Granted, we didn't overpay for our place. We got it at fair market
> value, and paid the asking price of $46,000 for our 2,500 square foot
> duplex. (6 bedrooms, 2 bathrooms) It sounds low compared to many parts
> of the country, but it LOOKED bad. It had water damage to the drywall,
> and lots of things needed painted and spackled, but everything was
> structurally solid.
>
> Anyway, guess who is hearing my complaint? Yes, it is the third party
> company who the city farmed the appraisal out to. I'm SURE they will be
> quite fair and unbiased in hearing me.
>
> Of course, I've looked at the taxes being paid by many of my
> neighbors, as well as the prices paid for their homes. Most of them
> evidently either overpaid, or are paying higher taxes than I am.
> Evidently they never successfully complained about the taxes when given
> the opportunity.
>
> My chances look pretty bleak. When I saw duplex after duplex in the
> area with even higher taxes than ours, and sales prices higher than
> ours, I began doubting whether I'd be able to make any traction to my
> argument. I also decided not to spend the $600 on having a new
> appraisal done, since it looked like it would probably just be money
> down the drain.
>
> The only thing I can really argue at this point is that the sales
> prices of other homes in the area are rather general and meaningless
> when compared to the actual sales price of THIS property back in October
> 2003. I can argue that the current appraisal value of THIS property
> should be based on the SALES PRICE of THIS property, adjusted for
> inflation and the current housing market.
>
> Think I'll get anywhere with that one tomorrow?
>
>
> Sure, I do have 3 or 4 similar duplexes I've found in the area that
> sold for between $25K and $45K in the past 5 years. However, all I can
> do with that is highlight how they simply jacked the appraised values up
> a lot on those properties as well.
>
> Anyone have any suggestions for me to try tomorrow?

== 5 of 6 ==
Date: Tues, Oct 21 2008 9:31 pm
From: The Real Bev

Jeff wrote:

> OhioGuy wrote:
>> I've got a meeting tomorrow about the 2008 reappraisal of our house
>> for tax purposes. So many houses are vacant that our city has jacked up
>> the values for those of us who are actually paying taxes to try to make
>> up the difference.

The feds insist on the value at time of death OR 6 months after. My
mom's condo eventually sold for considerably less. We had official ($250
each) appraisals done, which was probably stupid. You just don't get
any personal experience at this stuff and the lawyers and accountants
look at you the way vultures look at desert hikers.

> There's a butt load of online appraisals that will give you actual
> sales and comps in your neighborhood. realtor.com and zillow.com to name
> just two. There's a better one, but I don't have it bookmarked.

Zillow, in the case of my house, doesn't know shit. They think it's
worth $400K, but I know it would be worth that only if the house were
bulldozed and a bigger one built in its place.

--
Cheers, Bev
=======================================================
...so few snipers, so many politicians...

== 6 of 6 ==
Date: Tues, Oct 21 2008 10:53 pm
From: "Bob F"

"OhioGuy" <none@none.net> wrote in message news:gdlm40$4ns$1@aioe.org...
> I've got a meeting tomorrow about the 2008 reappraisal of our house for tax
> purposes. So many houses are vacant that our city has jacked up the values
> for those of us who are actually paying taxes to try to make up the
> difference.
>
> The thing is, the city simply used a sample of similar properties that
> people overpaid for to determine the values of OUR properties. They farmed
> this out to a third party company which simply drove by and took a picture of
> the outside of our house, then used a computer program to determine that the
> true value of our house should be 45% higher than the price we paid for it 5
> years ago.
>
> This is despite the fact that average sale prices for our zip have DECLINED
> 19.4% over the past year. (according to trulia.com, July-Sept 2007 vs
> July-Sept 2008) So somehow they are saying the value went up enough over the
> past 4 years to still be up 45% after a 19.4% drop this year. That's
> amazing - considering that Ohio never had a housing bubble, and houses have
> been fairly stable.
>
> Granted, we didn't overpay for our place. We got it at fair market value,
> and paid the asking price of $46,000 for our 2,500 square foot duplex. (6
> bedrooms, 2 bathrooms) It sounds low compared to many parts of the country,
> but it LOOKED bad. It had water damage to the drywall, and lots of things
> needed painted and spackled, but everything was structurally solid.
>
> Anyway, guess who is hearing my complaint? Yes, it is the third party
> company who the city farmed the appraisal out to. I'm SURE they will be quite
> fair and unbiased in hearing me.
>
> Of course, I've looked at the taxes being paid by many of my neighbors, as
> well as the prices paid for their homes. Most of them evidently either
> overpaid, or are paying higher taxes than I am. Evidently they never
> successfully complained about the taxes when given the opportunity.
>
> My chances look pretty bleak. When I saw duplex after duplex in the area
> with even higher taxes than ours, and sales prices higher than ours, I began
> doubting whether I'd be able to make any traction to my argument. I also
> decided not to spend the $600 on having a new appraisal done, since it looked
> like it would probably just be money down the drain.
>
> The only thing I can really argue at this point is that the sales prices of
> other homes in the area are rather general and meaningless when compared to
> the actual sales price of THIS property back in October 2003. I can argue
> that the current appraisal value of THIS property should be based on the SALES
> PRICE of THIS property, adjusted for inflation and the current housing market.
>
> Think I'll get anywhere with that one tomorrow?
>
>
> Sure, I do have 3 or 4 similar duplexes I've found in the area that sold for
> between $25K and $45K in the past 5 years. However, all I can do with that is
> highlight how they simply jacked the appraised values up a lot on those
> properties as well.
>
> Anyone have any suggestions for me to try tomorrow?

I think it is generally refered to as an assessment rather than an appraisal.

What I did was to call the assessors office and have them send me what they
consider "comps". Then I searched the counties database for recent sales near
Jan 1 of this year, which is the time the assessment is for. I found a few
properties which were as similar as I could find to my house and lot, then
looked at them and noted how they were better than mine, and how mine was
obviously worth less (old kitchen and bath, fir floors instead of hardwood, no
view, etc), and proposed a value for mine based on those values. I got
significant reductions for both my house and my rental.

==============================================================================
TOPIC: Gas.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/29c665c81bbb67da?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 21 2008 4:07 pm
From: James

Filled up today. $1 a gallon cheaper than my last fill up. 16 cents
cheaper per gallow than yesterday at a different Exxon station 15
miles away.

==============================================================================
TOPIC: The "halve what you can" approach
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/557183cf66736055?hl=en
==============================================================================

== 1 of 5 ==
Date: Tues, Oct 21 2008 6:31 pm
From: E Z Peaces

Enough Already wrote:
>
> Halving the amount of time lights are on in houses would be easy.
> Halving the wattage with CFLs takes little effort. It seems the
> advertised life of CFLs is overstated if they get turned on/off too
> quickly. The ballast doesn't like the shock.
>
In reliability tests, some models of CFLs had withstood vastly more
switching cycles than others. I think the old US standard was 1,000
cycles per 6,000 advertised hours of life. Now it's 3,000 cycles per
8,000 hours of life. Since 1999, the European standard has been 2
cycles per hour of life. That's more than five times higher.

Advance makes CFL ballasts designed for 50,000 cycles minimum; I don't
know how long the bulbs would last.

== 2 of 5 ==
Date: Tues, Oct 21 2008 8:56 pm
From: Enough Already

On Oct 21, 6:31 pm, E Z Peaces <c...@invalid.invalid> wrote:
> Enough Already wrote:
>
> > Halving the amount of time lights are on in houses would be easy.
> > Halving the wattage with CFLs takes little effort. It seems the
> > advertised life of CFLs is overstated if they get turned on/off too
> > quickly. The ballast doesn't like the shock.
>
> In reliability tests, some models of CFLs had withstood vastly more
> switching cycles than others. I think the old US standard was 1,000
> cycles per 6,000 advertised hours of life. Now it's 3,000 cycles per
> 8,000 hours of life. Since 1999, the European standard has been 2
> cycles per hour of life. That's more than five times higher.
>
> Advance makes CFL ballasts designed for 50,000 cycles minimum; I don't
> know how long the bulbs would last.

I'll have to check that out and maybe try some pricier models. So far
it seems like it's not just the number of cycles, but the time they
are left ON per cycle. Anecdotes indicate 15 minutes minimum, but it
could well be about the total number of cycles.

I haven't had one last for more than 2 or 3 years at ~4 hours a day,
which falls short of the 8,000+ hours typically advertised.

White LED home lighting looks promising despite high initial cost.

E.A.

http://enough_already.tripod.com/

Birth control is the ultimate green technology.

== 3 of 5 ==
Date: Tues, Oct 21 2008 9:04 pm
From: Enough Already

On Oct 19, 2:08 pm, "h" <tmcl...@searchmachine.com> wrote:
> "Enough Already" <enough_alre...@lycos.com> wrote in message
>
> news:a09f3416-a25d-4705-a591-6a72f2f0f6e7@u46g2000hsc.googlegroups.com...
>
> > Women could get by with half the number of shoes, but I'll leave that
> > one alone! Obviously, this is a partial list.
>
> I'm a 50 year old woman, and I really couldn't get by with half the number
> of shoes. I have 5 pairs. One pair of black dress pumps, one pair of summer
> sandals, one pair of lace up shoes, one pair of sneakers, and one pair of
> winter boots.

Well, that seems fine. I have at least pairs at any given time in
different states of deterioration. Two pairs tend to be work boots.
The real waste is buying ones that just sit. This could be extended to
any impulse buying habit.

E.A.

http://enough_already.tripod.com/

Can one really be a productive member of a consumptive society?

== 4 of 5 ==
Date: Tues, Oct 21 2008 9:16 pm
From: Enough Already

On Oct 19, 12:41 pm, lisa...@privacy.net wrote:
> On Sun, 19 Oct 2008 12:26:54 -0700 (PDT), in misc.consumers.frugal-living Enough
>
> Already <enough_alre...@lycos.com> wrote:
>
> >Women could get by with half the number of shoes, but I'll leave that
> >one alone! Obviously, this is a partial list.
>
> uh you mean my ex boyfriend...
>
> use a menstrual keeper! saves money and does not generate stinky trash. great
> for backpacking..

Hadn't heard of that before. Good concept if the seal won't break at
inopportune times.

E.A.

http://enough_already.tripod.com/

Earth to human race: drop some of your needs!

== 5 of 5 ==
Date: Tues, Oct 21 2008 9:43 pm
From: lisajoe@privacy.net

On Tue, 21 Oct 2008 21:16:56 -0700 (PDT), in misc.consumers.frugal-living Enough
Already <enough_already@lycos.com> wrote:

>On Oct 19, 12:41 pm, lisa...@privacy.net wrote:
>> On Sun, 19 Oct 2008 12:26:54 -0700 (PDT), in misc.consumers.frugal-living Enough
>>
>> Already <enough_alre...@lycos.com> wrote:
>>
>> >Women could get by with half the number of shoes, but I'll leave that
>> >one alone! Obviously, this is a partial list.
>>
>> uh you mean my ex boyfriend...
>>
>> use a menstrual keeper! saves money and does not generate stinky trash. great
>> for backpacking..
>
>Hadn't heard of that before. Good concept if the seal won't break at
>inopportune times.
>
>E.A.
>
>http://enough_already.tripod.com/
>
>Earth to human race: drop some of your needs!

the seal does not break until it is full but even then it just leaks a bit. a
pad can always br worn with it if you are unsure.

==============================================================================
TOPIC: shoe soles
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5686a6ae36818499?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 21 2008 6:59 pm
From: E Z Peaces

Footwear often has a tread that might provide better traction in mud but
also brings dirt into a house. I'm much more concerned with traction on
wet wooden steps or a wet garage floor of sealed concrete. I've owned
shoes and boots that had aggressive treads but were dangerous on wet
surfaces. Tires have ratings for traction on wet roads. Why don't shoe
soles have similar ratings?

Static electricity is another problem. Polyurethane soles are popular,
but without an additive, polyurethane is such a good insulator that the
wearer may get static shocks. I would certainly avoid such shoes when
buying gasoline. Why don't shoe soles have static-drain ratings?

==============================================================================
TOPIC: Scandalous video reason Divorce Madonna and Ricchi - risk installing a
trojan
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/08a44f156119fe49?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 21 2008 10:41 pm
From: "Robert Miles"

<krystinacarle@gmail.com> wrote in message
news:d91be5df-1877-4a24-acd0-a583e8ae5319@64g2000hsu.googlegroups.com...
> http://www.madonascandal.byethost31.con Madonna page featuring
> exclusive Madonna videos, Madonna photos, and Madonna news,Madonna
> videos, Madonna news, Madonna photos, Madonna videos, Madonna gossip.
> Scandalous video reason end-marriage Madonna and Ricchi
.
If you went to that web site, it's a good idea to run whatever antispyware
program(s)
you have on your computer as soon as you can. See here for why:

http://en.wikipedia.org/wiki/Zlob_trojan

Unlike antivirus programs, you can safely have more than one antispyware
program on your computer. I've been using free versions of all three of
these for some time:

http://www.lavasoft.com/single/trialpay.php

http://www.safer-networking.org/en/spybotsd/index.html

http://www.microsoft.com/windows/products/winfamily/defender/default.mspx

Caution - when some of these delete cookies, you may have to enter
passwords for some of your accounts again. Also, some trojans and other
spyware can direct your attempts to visit a web page to the wrong site, so
if you need to install one of these after viewing that web site, it's a good
to
download on some machine where you haven't done this, then transfer it
to your first machine before installing it.

By the way, when quoting that website's name, I changed it just enough to
insure that you can't reach it from my quote.

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

You received this message because you are subscribed to the Google Groups "misc.consumers.frugal-living"
group.

To post to this group, visit http://groups.google.com/group/misc.consumers.frugal-living?hl=en

To unsubscribe from this group, send email to misc.consumers.frugal-living+unsubscribe@googlegroups.com

To change the way you get mail from this group, visit:
http://groups.google.com/group/misc.consumers.frugal-living/subscribe?hl=en

To report abuse, send email explaining the problem to abuse@googlegroups.com

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

Frugal Living

Blog Archive

Wednesday, October 22, 2008

20 new messages in 10 topics - digest

No comments: