http://groups.google.com/group/misc.consumers.frugal-living?hl=en
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Today's topics:
* Credit Repairs - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9edff11dce8390c6?hl=en
* Frugal Living & Green Living - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1fe3baa406bde4da?hl=en
* Telling salesman the drive out price on a car purchase up front? - 6
messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e35842ebffa4f381?hl=en
* Property tax: was How Will You All Adapt to $4.00 per gallon gasoline? - 12
messages, 7 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/27e47bb40833e110?hl=en
* Air Mattress- Find Brand Name Air Mattresses on Sale - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/36678ac758546801?hl=en
* good website - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c5dad1df329c807f?hl=en
* Tardis News Web Server inside Server Defies Laws of Nature - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/06cf18b1270b2d3d?hl=en
==============================================================================
TOPIC: Credit Repairs
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9edff11dce8390c6?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Mar 2 2008 3:06 pm
From: clams_casino
nikki4001@gmail.com wrote:
>Hey!
>
>Click Here
>
>By law, credit repair organizations must give you a copy of the
>"Consumer Credit File Rights Under State and Federal Law" before you
>sign a contract.
>
Next time I'm driving in India, I'll keep your site in mind.
== 2 of 2 ==
Date: Sun, Mar 2 2008 2:29 pm
From: Coffee's For Closers
In article <pxkyj.11958$0M3.195@newsfe17.lga>,
PeterGriffin@DrunkinClam.com says...
> There's much in the news about home owner's walking away from their
> homes. Are they filing for bankruptcy or just refusing to make any
> more payments? Can't the bank go after them in a few years? Is there
> some type of limitation for a bank (or other lender) to collect?
My understanding is that, many of these people staying in the
house, without paying, until it is seized. This can take months
in some cases.
Then, they move out, and get a rental someplace else. While
refusing to communicate with the old mortgage lender.
Apparantly, many of them don't bother to file bankruptcy.
In California, the mortgage lender apparently must accept the
house as full payment, even if its market value is less than the
mortgage due. Some other states allow the lender to sue the
defaulted former buyer for the difference.
But, even then, those people generally don't have much to take.
After all, they didn't have the money to pay their mortgages.
And you cannot get blood from a stone. So sometimes the lenders
don't bother to sue, even if they could.
It goes on the buyer's credit reports as a foreclosure, and looks
pretty bad for several years.
--
Get Credit Where Credit Is Due
http://www.cardreport.com/
Credit Tools, Reference, and Forum
==============================================================================
TOPIC: Frugal Living & Green Living
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1fe3baa406bde4da?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Mar 2 2008 3:26 pm
From: The_Source
On Mar 3, 1:52 am, cjkosmos <carlwaynejor...@yahoo.com> wrote:
> Did you know that Frugal Living & Green Living compliment each other
> very well? Share with us your frugal living tips that can also help
> protect the environment.
Okay, so here goes...
> My example: We reuse allot of our Chinese take out containers to store
> food in and practice towel reuse in the bathroom. This saves us money
> on "Tupperware" and energy and water consumption. This is one example
> of our way of reducing plastic in landfills as well.
I take the opposite standpoint by owning Tupperware but not eating any
takeaway. We have take away maybe 2-3 times a year and when we do, we
use the containers to store the kids craft things, when they are worn
out they make things out of them for play (boats, rockets, surf boards
etc). All before being recycled. By not eating take away it also
means that:
* less take away containers are used in the first place,
* we save money by cooking ourselves,
* my husband and kids always have wholesome sandwiches/meals
hygenically packed in reusable containers rather than plastic wrap for
lunches,
* I can put 50% of my savings back into Tupperware and the rest in my
back pocket (read: savings).
I currently also make my own range of body care products as I am sick
of my skin reacting to all the chemical garbage they put into
shampoos, body wash etc. I make my own tomato sauce, chutneys,
pickles, jams and apple sauce also.
As we have moved house we are in the process of re-establishing
ourselves which means we have future plans for:
* rain water harvesting
* grey water harvesting
* solar hot water system
* vegetable garden (organic - no chemicals)
* fruit trees (organic - no chemicals)
* electrical work to reduce power consumption
And that is just the tip of the iceberg.
==============================================================================
TOPIC: Telling salesman the drive out price on a car purchase up front?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e35842ebffa4f381?hl=en
==============================================================================
== 1 of 6 ==
Date: Sun, Mar 2 2008 3:28 pm
From: "zcarenow@yahoo.com"
I am looking to buy a new car. My friends told me just to email the
dealers with my expected drive out price(taxes, title, etc) up front
instead of just negotiating on the price before all the taxes, fees,
title, etc. This would make it easier from what they've said. The
question is this a good idea or do dealers don't do this? This sounds
like i would have to calculate the price of car after coming up with
drive out price.
My other question is financing. The dealerships have been providing
great interest rates compared to the banks, credit unions. Is it
possible to negotiate on a rate from dealership if my credit is very
good and the rate they offered is not to my liking or is that usually
etched in stone?
Thank you.
== 2 of 6 ==
Date: Sun, Mar 2 2008 6:00 pm
From: clams_casino
zcarenow@yahoo.com wrote:
>I am looking to buy a new car. My friends told me just to email the
>dealers with my expected drive out price(taxes, title, etc) up front
>instead of just negotiating on the price before all the taxes, fees,
>title, etc. This would make it easier from what they've said. The
>question is this a good idea or do dealers don't do this? This sounds
>like i would have to calculate the price of car after coming up with
>drive out price.
>
>
>
>
While I'm a firm believer in knowing one's maximum price before seeking
a deal, I wouldn't tip that hand to the dealer until late in the
negotiations. With internet purchases, the dealer will usually supply
their lowest price. It is important to identify if there are any added
costs (handling fees, etc) so there are no surprises. Preparation fees
(often times not disclosed unless directly requested) can range from
perhaps $29 up to several hundred dollars. Once a dealer provides a
price, do ask / document if there are any other fees. A reputable
dealer will provide / identify / break down the final price plus taxes,
title & other fees. Be sure to understand the components of the total
price.
That said, don't assume the internet price will be the best price. I
did find two cars to be best priced via internet, but my last car
(Honda) was advertised nearly $1K less in a newspaper ad compared with
the best Internet quotes I was able to obtain. It was late in
January a few years ago where the dealer was obviously wanting to move
some new cars.
Contrary to what a lot of dealers will claim, Edmunds does provide
realistic dealer costs, although the manufacturer-to-dealer kickbacks
& dealers acceptable markup (which does vary significantly between
dealers) may vary significantly from published pricing.
== 3 of 6 ==
Date: Sun, Mar 2 2008 7:13 pm
From: George Grapman
clams_casino wrote:
> zcarenow@yahoo.com wrote:
>
>> I am looking to buy a new car. My friends told me just to email the
>> dealers with my expected drive out price(taxes, title, etc) up front
>> instead of just negotiating on the price before all the taxes, fees,
>> title, etc. This would make it easier from what they've said. The
>> question is this a good idea or do dealers don't do this? This sounds
>> like i would have to calculate the price of car after coming up with
>> drive out price.
>>
>>
>>
>>
>
> While I'm a firm believer in knowing one's maximum price before seeking
> a deal, I wouldn't tip that hand to the dealer until late in the
> negotiations. With internet purchases, the dealer will usually supply
> their lowest price. It is important to identify if there are any added
> costs (handling fees, etc) so there are no surprises. Preparation fees
> (often times not disclosed unless directly requested) can range from
> perhaps $29 up to several hundred dollars. Once a dealer provides a
> price, do ask / document if there are any other fees. A reputable
> dealer will provide / identify / break down the final price plus taxes,
> title & other fees. Be sure to understand the components of the total
> price.
>
> That said, don't assume the internet price will be the best price. I
> did find two cars to be best priced via internet, but my last car
> (Honda) was advertised nearly $1K less in a newspaper ad compared with
> the best Internet quotes I was able to obtain. It was late in
> January a few years ago where the dealer was obviously wanting to move
> some new cars.
>
> Contrary to what a lot of dealers will claim, Edmunds does provide
> realistic dealer costs, although the manufacturer-to-dealer kickbacks
> & dealers acceptable markup (which does vary significantly between
> dealers) may vary significantly from published pricing.
The last two times I purchased a car I told the dealers what I was
spending and asked them what they had for that price will all taxes and
fees included. Most could not deal with this.
== 4 of 6 ==
Date: Sun, Mar 2 2008 8:00 pm
From: "Don K"
"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:5ZIyj.12010$0M3.8573@newsfe17.lga...
> zcarenow@yahoo.com wrote:
>
>>I am looking to buy a new car. My friends told me just to email the
>>dealers with my expected drive out price(taxes, title, etc) up front
>>instead of just negotiating on the price before all the taxes, fees,
>>title, etc. This would make it easier from what they've said. The
>>question is this a good idea or do dealers don't do this? This sounds
>>like i would have to calculate the price of car after coming up with
>>drive out price.
>>
>>
>>
>
> While I'm a firm believer in knowing one's maximum price before seeking a deal, I
> wouldn't tip that hand to the dealer until late in the negotiations. With internet
> purchases, the dealer will usually supply their lowest price. It is important to
> identify if there are any added costs (handling fees, etc) so there are no surprises.
> Preparation fees (often times not disclosed unless directly requested) can range from
> perhaps $29 up to several hundred dollars. Once a dealer provides a price, do ask /
> document if there are any other fees. A reputable dealer will provide / identify /
> break down the final price plus taxes, title & other fees. Be sure to understand the
> components of the total price.
>
I've had good results getting competitive quotes thru both Edmunds and
Auto-by-Tel.
Getting quotes from several dealers on the exact options you want, can
be a pretty good reality check, even if you go into the dealership to haggle.
But if you do, don't allow a dealer to just meet the lower-quoted price. Make
him beat it. Try to reward the guy who isn't trying to rip you off as much.
Also with internet sales, make sure they don't add on junk when you go
in to sign the papers. If they do, refuse to pay for it and be prepared
to walk away from the deal. My sister didn't, and she just paid another
60 bucks for some wheel locks and mudflaps she didn't want.
Don
== 5 of 6 ==
Date: Sun, Mar 2 2008 8:07 pm
From: George Grapman
Don K wrote:
> "clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
> news:5ZIyj.12010$0M3.8573@newsfe17.lga...
>> zcarenow@yahoo.com wrote:
>>
>>> I am looking to buy a new car. My friends told me just to email the
>>> dealers with my expected drive out price(taxes, title, etc) up front
>>> instead of just negotiating on the price before all the taxes, fees,
>>> title, etc. This would make it easier from what they've said. The
>>> question is this a good idea or do dealers don't do this? This sounds
>>> like i would have to calculate the price of car after coming up with
>>> drive out price.
>>>
>>>
>>>
>> While I'm a firm believer in knowing one's maximum price before seeking a deal, I
>> wouldn't tip that hand to the dealer until late in the negotiations. With internet
>> purchases, the dealer will usually supply their lowest price. It is important to
>> identify if there are any added costs (handling fees, etc) so there are no surprises.
>> Preparation fees (often times not disclosed unless directly requested) can range from
>> perhaps $29 up to several hundred dollars. Once a dealer provides a price, do ask /
>> document if there are any other fees. A reputable dealer will provide / identify /
>> break down the final price plus taxes, title & other fees. Be sure to understand the
>> components of the total price.
>>
>
> I've had good results getting competitive quotes thru both Edmunds and
> Auto-by-Tel.
>
> Getting quotes from several dealers on the exact options you want, can
> be a pretty good reality check, even if you go into the dealership to haggle.
> But if you do, don't allow a dealer to just meet the lower-quoted price. Make
> him beat it. Try to reward the guy who isn't trying to rip you off as much.
>
> Also with internet sales, make sure they don't add on junk when you go
> in to sign the papers. If they do, refuse to pay for it and be prepared
> to walk away from the deal. My sister didn't, and she just paid another
> 60 bucks for some wheel locks and mudflaps she didn't want.
>
> Don
>
>
One time a dealer almost lost the sale because he insisted I needed
floor mats at well over $100. I actually had to get up and ask if he
wanted to lose a sale over that amount. Wound up paying $20 at an auto
parts store.
== 6 of 6 ==
Date: Sun, Mar 2 2008 8:09 pm
From: George Grapman
All you need to know-Count the number of cars they have on display.
Then count the number of customers.
==============================================================================
TOPIC: Property tax: was How Will You All Adapt to $4.00 per gallon gasoline?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/27e47bb40833e110?hl=en
==============================================================================
== 1 of 12 ==
Date: Sun, Mar 2 2008 3:36 pm
From: Napoleon
On Sun, 2 Mar 2008 14:40:19 -0500, <h> wrote:
>>>property/school
>>>taxes really shouldn't have gone from $1,500 to $6,000 in that amount of
>>>time, should they? $6000/year for a house worth/assessed at $120,000.
> We do have great snowplowing services,
>which is a plus in upstate NY. Still, I can't fathom what they're spending
>my $6,000 a year on. It's about half for schools, and, of course, I never
>had kids.
Ah, yes. I knew you were in upstate NY just by the property tax
figure. We pay $4,000 on an assessed value of 117,500.
Property taxes are so high in upstate NY for the following reasons:
1. Every county has to have a million villages, towns and cities all
with separate governments. There is absolutely no consolidation of
governmental services whatsoever.
2. Every county has to have a million school districts for each town,
city and village. Unlike down south where there are only county or
city schools. Here we have no county schools, just city, village, and
town schools. Again no consolidation of services whatsoever.
3. We pay (aka subsidize) for downstate NYC schools.
4. Businesses do not pay property taxes. First there are no large
manufacturing businesses left upstate, and second, those businesses
that are left get tax breaks left and right (empire zone benefits).
5. Schools do not pay property taxes. In Syracuse, where I live,
Syracuse University is gobbling up more and more city property. It
pays no property taxes. Hence those residents left in the city have to
pick up the cost.
6. Medicare, medicaid and worker compensation costs are astronomical
in this state. Simply unmanageable. As the state shifts such costs to
local governments, you pay the bill.
7. And I could go on and on... Nothing will ever be fixed since that
would require 'NEW" thinking. We can't have that in America, now can
we?
-N
== 2 of 12 ==
Date: Sun, Mar 2 2008 5:31 pm
From: don@manx.misty.com (Don Klipstein)
In article <RPAyj.4691$XO4.4410@newsfe19.lga>, clams_casino wrote in part:
>Dave C. wrote:
>
>>OK, so maybe you aren't a total moron, you just fail to see the big picture.
>>The invasion and occupation of iraq is all about oil. That much is obvious.
>>
>>In the long run however, it simply doesn't matter. We could own every
>>fricking oil well in the whole world, and it wouldn't stop the cost of
>>gasoline from rising. Not for very long anyway.
>>
>>Imagine if all of the world's possible oil reserves were on U.S. soil. When
>>the oil runs out, is it going to matter that we are supplying our own? Not
>>really. We're facing a global crisis, and focusing on the fiasco in iraq,
>>or insinuating that the president is getting rich from oil, those are just
>>distractions. Focus on the problem, not symptoms or convenient (for some
>>people) results.
>>
>>Again, the president has no influence over events that happened way back
>>before recorded history. Oil was formed. Oil is being used faster than it
>>can reform. Oil therefore will run out. Soon. -Dave
>>
>Thanks for proving you are totally naive.
>
>Hint - Oil consumption & limited supply does not account for the massive
>increase in price since GW was placed in office.
Even though the dollar fell a lot in the past 7.1 years, oil prices have
gone up quite a bit even in euros. Gasoline prices have increased quite a
bit in Canada.
If the dollar did not fall against other currencies, crude oil would be
maybe $65 per barrel instead of $102, and if the lower price did not
result in a demand increase that pushes prices back up somewhat, and if no
other factors in pump price were changed, then $3.16 per gallon would be
$2.28 per gallon.
- Don Klipstein (don@misty.com)
== 3 of 12 ==
Date: Sun, Mar 2 2008 5:35 pm
From: don@manx.misty.com (Don Klipstein)
In <betatron-80A6AC.09514902032008@news.ftupet.com>, max wrote in part:
>In article <fqeae0$atv$1@registered.motzarella.org>,
> "Dave" <noway@nohow.not> wrote:
>
>> "clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
>> news:UPvyj.10464$yk5.9637@newsfe18.lga...
>> > Dave wrote:
>>
>> OMFG, the level of ignorance here is astounding. I am no fan of the pres,
>> think he should have been impeached many times over, for various reasons.
>> But to claim that he has any control over the cost of a barrel of oil is
>> like blaming him when a bad blizzard shuts down the freeway. If he benefits
>> financially from the freeway being closed, it is not logical to say that he
>> created the blizzard that closed the road. In fact, it is PRETTY FUCKING
>> STUPID.
>
>That's not an arguement, baseless, fact-free rant.
>
>First of all, the question was about $4/gallon gasoline, not the price
>of a barrel of oil.
>
>So. What could have the president done, over the last 7 years?
>He could have:
>
>1. instituted demand reduction policies by pressing for fleet mileage
>increases
>
>1a. instituted demand-reduction policies by promoting bicycling as a
>meaningful alternative transportation.
>
>2. Could have chosen tax incentives that rewarded fuel efficient cars
>instead of the most fuel wasteful SUVs
>
>2a provided meaningful support to alt energy (electric) automobiles and
>storage battery tech.
>
>3. Could have paid more than lip service to alt. fuel production
>
>4. Could have assured his nominal programs already announced were
>actually funded.
>
>5. Could have pushed the production of nuclear fuel systems and waste
>internment.
>
>6. Could have pushed the creation of more refining capacity.
>
>7. Could have made energy conservation a sincere national goal for the
>country through directives to the military and executive branch agencies
>and through public outreach messages via PSAs and speechmaking from
>himself and cabinet officers.
>
>8 we won't even get into reigning in the cancerous growth of suburbia.
>
>9. not embark on national military policy that stokes petroleum market
>volatiity.
10. Not brought back an annual budget deficit. Fiscal responsibility
helps currency strength, and the decline of the US dollar is part of the
problem of high prices in US dollars of globally traded commodities.
- Don Klipstein (don@misty.com)
== 4 of 12 ==
Date: Sun, Mar 2 2008 5:47 pm
From: don@manx.misty.com (Don Klipstein)
In article <47cad5d3$0$22838$4c368faf@roadrunner.com>, h wrote:
>
>"Dave" <noway@nohow.not> wrote in message
>news:fqeb5l$eh9$1@registered.motzarella.org...
>>> Shrug. I'm self-employed and my business is doing just fine. I work at
>>> home, and live five miles from the post office and grocery store, which
>>> are pretty much the only places I need to go. A trip once or twice a week
>>> means I only fill the tank about 5-6 times a year. I frankly couldn't
>>> care less about the price of gas. It's property/school/income taxes that
>>> are killing me.
>>
>> No shit, my property taxes have doubled over the past couple of years.
>> DOUBLED. -Dave
>
>I've been in my house for 23 years, and my property/school taxes are now 10%
>of the purchase price, so I "re-buy" the house every 10 years. Considering
>that the value of the house has only doubled in 23 years my property/school
>taxes really shouldn't have gone from $1,500 to $6,000 in that amount of
>time, should they? $6000/year for a house worth/assessed at $120,000 seems a
>bit excessive to me.
Going from $1,500 to $6,000 in 23 years is an annual inflation rate of
6.2% - I think you are not especially hard-hit as far as local taxation
burden goes. In that time period, Philadelphia instituted a local sales
tax and most of the more-populated municipalities in Montgomery County PA
instituted local income taxes.
A good bit of that is for health insurance benefits for municipal,
county and school district employees. I also think the courts got a
little busier in the past 23 years.
Many other municipalities have lower municipal taxes, while requiring
many duties that I consider municipal ones to be the responsibility of
HOAs.
- Don Klipstein (don@misty.com)
== 5 of 12 ==
Date: Sun, Mar 2 2008 6:16 pm
From: don@manx.misty.com (Don Klipstein)
In article <47cb01a8$0$17337$4c368faf@roadrunner.com>, h wrote:
>
><hchickpea@hotmail.com> wrote in message
>news:ssqls3l80dohms7oltkduhktfqmv63afaf@4ax.com...
>> On Sun, 2 Mar 2008 11:33:18 -0500, <h> wrote:
>>
>>>
>>>"Dave" <noway@nohow.not> wrote in message
>>>news:fqeb5l$eh9$1@registered.motzarella.org...
>>>>> Shrug. I'm self-employed and my business is doing just fine. I work at
>>>>> home, and live five miles from the post office and grocery store, which
>>>>> are pretty much the only places I need to go. A trip once or twice a
>>>>> week
>>>>> means I only fill the tank about 5-6 times a year. I frankly couldn't
>>>>> care less about the price of gas. It's property/school/income taxes
>>>>> that
>>>>> are killing me.
>>>>>
>>>>
>>>> No shit, my property taxes have doubled over the past couple of years.
>>>> DOUBLED. -Dave
>>>
>>>I've been in my house for 23 years, and my property/school taxes are now
>>>10%
>>>of the purchase price, so I "re-buy" the house every 10 years. Considering
>>>that the value of the house has only doubled in 23 years my
>>>property/school
>>>taxes really shouldn't have gone from $1,500 to $6,000 in that amount of
>>>time, should they? $6000/year for a house worth/assessed at $120,000 seems
>>>a
>>>bit excessive to me.
>>>
>> Property tax was one of the factors that influenced us to move, and we
>> hadn't reached near that percentage figure. We realized that taxes
>> were no longer going to "services" that were provided to us in return,
>> but to support stadiums, never used parks, upgrading water systems to
>> support new growth, and so on. When we moved, it was to an area with
>> minimal taxes and minimal services and a restricted county government.
>>
>> I suggest that, if possible, you vote with your feet. If you can't,
>> then perhaps a challenge to the valuation is required. I know I
>> wouldn't pay top dollar for a house that was under such a taxation
>> burden.
>
>I've looked all over around here, and everything comparable is MUCH more
>expensive. The property/school taxes in this county is what keeps the home
>values so much lower than in surrounding counties. Plus, I've got my
>workspace set up just the way I want, and it takes up about a quarter of the
>square footage. I'd never be able to find an existing space set up properly.
>So, even if we could find something we could afford in a lower tax rate
>county, we'd have to build on or remodel and it wouldn't be cheap. I've
>resigned myself to staying here forever, which is fine because I adore the
>house and the area (boonies). The only thing that sucks is the taxes and the
>almost total lack of services. We don't have sewers, natural gas, garbage
>pickup, or even a dump, and we only got city water recently. We have a
>volunteer fire department but a HUGE police force for virtually no crime
>(speed traps on every road, though). We don't even have a community center
>or any place with a public pool. We do have great snowplowing services,
>which is a plus in upstate NY. Still, I can't fathom what they're spending
>my $6,000 a year on. It's about half for schools, and, of course, I never
>had kids.
Time for some new blood to run for office. This only requires that
voters are fed up enough to get off their kiesters and make their voices
heard in a non-presidential primary election, and are willing enough for
some new blood to run for office. The voters have to get serious enough
about change to not have change restricted to trying the other major
party.
Since this sounds like a rural area, it sounds a little easier for new
blood candidates to get the voters interested in cleaning house.
- Don Klipstein (don@misty.com)
== 6 of 12 ==
Date: Sun, Mar 2 2008 7:09 pm
From: Jimington
On Sun, 2 Mar 2008 11:33:18 -0500, <h> wrote:
>
>"Dave" <noway@nohow.not> wrote in message
>news:fqeb5l$eh9$1@registered.motzarella.org...
>>> Shrug. I'm self-employed and my business is doing just fine. I work at
>>> home, and live five miles from the post office and grocery store, which
>>> are pretty much the only places I need to go. A trip once or twice a week
>>> means I only fill the tank about 5-6 times a year. I frankly couldn't
>>> care less about the price of gas. It's property/school/income taxes that
>>> are killing me.
>>>
>>
>> No shit, my property taxes have doubled over the past couple of years.
>> DOUBLED. -Dave
>
>I've been in my house for 23 years, and my property/school taxes are now 10%
>of the purchase price, so I "re-buy" the house every 10 years. Considering
>that the value of the house has only doubled in 23 years my property/school
>taxes really shouldn't have gone from $1,500 to $6,000 in that amount of
>time, should they? $6000/year for a house worth/assessed at $120,000 seems a
>bit excessive to me.
>
At least your house prices seem realistic. Our house price has at
least tripled in the 5 short years since we bought it. The local
market has gone ballistic, which is of course meaningless since we
like it here and have no plan to sell. An entrepreneur type would sell
now and rent a while waiting for the market to have a reality check.
Inflation in that time has been running at about 5% or less mark but
our rates (which you probably call property taxes) don't seem to have
any trouble rising around the 10% mark per annum.
Jim.
== 7 of 12 ==
Date: Sun, Mar 2 2008 7:19 pm
From: Shawn Hirn
In article <fqd9s4$u0i$1@registered.motzarella.org>,
"Dave" <noway@nohow.not> wrote:
> > a Prius which averages around 40MPG. Only a fool didn't expect gas
> > prices to climb. After all, the oil industry has a puppet doing their
> > bidding in the White House.
>
> You saying the puppet in the white house is billions of years old? Or
> perhaps you think he's got a time machine? That puppet in the white house
> has no control over the dwindling supply of a non-renewable asset,
> oron. -Dave
The price of gas isn't going up due to any shortage in supply. Its going
up because of greet, pure and simple.
== 8 of 12 ==
Date: Sun, Mar 2 2008 7:44 pm
From: Marsha
hchickpea@hotmail.com wrote:
> Property tax was one of the factors that influenced us to move, and we
> hadn't reached near that percentage figure. We realized that taxes
> were no longer going to "services" that were provided to us in return,
> but to support stadiums, never used parks, upgrading water systems to
> support new growth, and so on. When we moved, it was to an area with
> minimal taxes and minimal services and a restricted county government.
>
> I suggest that, if possible, you vote with your feet. If you can't,
> then perhaps a challenge to the valuation is required. I know I
> wouldn't pay top dollar for a house that was under such a taxation
> burden.
Our last tax evaluation valued our property at 50% more than the last
one. Knowing that a drive-by evaluation was BS, we challenged it and
asked for a formal review. Lo and behold, they did three comparable
evaluations and our tax assessment miraculously went down by 40%, which
is where it should have been in the first place.
Marsha
== 9 of 12 ==
Date: Sun, Mar 2 2008 7:44 pm
From: George Grapman
Invest in stocks that will profit from high gas prices. Netflix comes
to mind.
== 10 of 12 ==
Date: Sun, Mar 2 2008 7:52 pm
From: Marsha
George Grapman wrote:
> clams_casino wrote:
> I have to disagree with your thinking that it is not a full time
> job.The hours in the class room are not 40 hours a week x 52 weeks but
> you have to look at time on after school meetings and lesson plans.
Is it even 40 hrs week x 52 weeks? Even with ongoing education, I don't
think it's anywhere near that, with summers off and 2-week Christmas
breaks, Spring break, and all the holidays. Are teachers working at all
of those times? Is is even an 8-hour day?
Marsha
== 11 of 12 ==
Date: Sun, Mar 2 2008 8:04 pm
From: George Grapman
Marsha wrote:
> George Grapman wrote:
>> clams_casino wrote:
>> I have to disagree with your thinking that it is not a full time
>> job.The hours in the class room are not 40 hours a week x 52 weeks but
>> you have to look at time on after school meetings and lesson plans.
>
> Is it even 40 hrs week x 52 weeks? Even with ongoing education, I don't
> think it's anywhere near that, with summers off and 2-week Christmas
> breaks, Spring break, and all the holidays. Are teachers working at all
> of those times? Is is even an 8-hour day?
>
> Marsha
>
Classes from at least 8:30 to 3:30. Add to that lesson plans and
meetings.
== 12 of 12 ==
Date: Sun, Mar 2 2008 8:07 pm
From: Snowbound
In article <fqemu9$6kq$1@registered.motzarella.org>,
"Dave C." <noway@nohow.not> wrote:
> And none of it would matter one bit, unless he could invent a way to cheaply
> manufacture crude oil, without using crude oil.
You obviously were just a gleam in your daddy's eye during the oil
embargoes of the 70s (that was when the CIA was predicting the end of
usable oil reserves by the year 2000).
Then, the U.S. diminished its demand for imported oil so fast,
turban-bedecked heads spun like Reagan MacNeil's head in The Exorcist.
Of course, then there weren't so many fat assed urban pussies who needed
SUV dicks to hide the space between their legs.
Ask your doctor if getting off your ass is right for you!
==============================================================================
TOPIC: Air Mattress- Find Brand Name Air Mattresses on Sale
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/36678ac758546801?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Mar 2 2008 4:45 pm
From: sjc1t99gmnmo3eh6jher@gmail.com
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==============================================================================
TOPIC: good website
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==============================================================================
== 1 of 1 ==
Date: Sun, Mar 2 2008 5:57 pm
From: "www.aim178.com.cn"
==============================================================================
TOPIC: Tardis News Web Server inside Server Defies Laws of Nature
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/06cf18b1270b2d3d?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Mar 2 2008 6:44 pm
From: reid@tardis-db.co.uk
Monday March,03/2008 (Tardis-News) Tardis Launches Server Inside
server Rack
Well Tardis is infinitely bigger inside than out as is defys the
natural laws of the space time continuum, which is good for its
readership. The Tardis data tower is only 18" x 9" x 144" Tall however
inside their are rows and rows of datacenters that amount to some
2,378,382,939 gigs of information and changing daily. If your worried
about the data that the Tardis Collects , don't worry about it they
don't share your information with anyone, they promise, (unless they
pay well). Obviously the Tardis Database sells to the highest bidder,
after all thats the nature of the e-commerce world we live in.
http://tardis-db.co.uk/main.html
What does the Tardis Database do exactly? Well unlike some more
parasitic data sets the Tardis applies fundamental math to calculate
the pathways you might be surfing on the net and predicts your next
web hop. The reason they are predicting future evens online is simple,
Tardis would like to deploy the best user experience to each webpage.
But the Tardis is only one part of a Mult-Million dollar project!
Another Project is the Tardis Blog.
The best price in data delivery, with low cost servers, Tardis passes
the savings onto you in exchange for your information. What does the
infinitely large Tardis collect? Well if you visit a Tardis web page
the following information is collected:
* Browser Type
* Male or Female
* Age
* Shoe Size
* Computer Brand
* Laptop or Desktop
* Last Meal
* What you made last year
This might seem like allot of information but its not really if you
think about it. Why should only your ISP know these details when
Tardis likes to share! The more the merrier and at Tardis they believe
in complete transparency. Tardis Systems
Tardis Server Inside
http://tardis-db.co.uk/index.html
###
Tardis Datacenters
14788 Memorial Drive
Houston, TX
77079-5299
Reid Tardis email: reid@tardis-db.co.uk
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