Frugal Living: Mar 19, 2008

Wednesday, March 19, 2008

25 new messages in 17 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: Newsweek: "Financial Tips from Fluffy" (for kids)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/705acd5c34616e04?hl=en
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== 1 of 1 ==
Date: Wed, Mar 19 2008 2:13 pm
From: lenona321@yahoo.com

http://www.newsweek.com/id/117928

Excerpts:

Children learn about money from their parents. That's bad news for my
daughter, because I don't set the best example.

Would you pay $7 for a bagel? I sure wouldn't, but my 7-year-old
daughter regularly does. Or at least she's willing to shell out seven
KinzCash bucks on a snack for one of her virtual pets in Webkinz
World, a site where she spends a blissfully quiet 30 minutes or so a
day. I know some parents think that Webkinz--little stuffed animals
that come with an online avatar that needs to be fed, exercised and
dressed in cute down vests and sneakers--is an elaborate plot to mold
our tots into avaricious consumers.

(end of excerpts)

Lenona.

==============================================================================
TOPIC: QualityGenerics.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/993d292753f12680?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Mar 19 2008 3:29 pm
From: hchickpea@hotmail.com

On Wed, 19 Mar 2008 17:08:31 -0400, clams_casino
<PeterGriffin@DrunkinClam.com> wrote:

>Al Bundy wrote:
>
>>On Mar 19, 11:03 am, clams_casino <PeterGrif...@DrunkinClam.com>
>>wrote:
>>
>>
>>>emanuele.gio...@gmail.com wrote:
>>>
>>>
>>>>Just a few lines about QualityGenerics.com.
>>>>
>>>>
>>>>I've placed an order for finasteride pills on that website on january
>>>>28th and haven't received anything.
>>>>The customer service operators tell me that there has been a change in
>>>>website ownership and that they can take no responsability for
>>>>previous orders.
>>>>
>>>>
>>>>I've lost 106 euros !!
>>>>Be careful.
>>>>
>>>>
>>>You bought off a spam site and are surprised you got taken?
>>>
>>>Did you know gullible is not found in any major dictionary or
>>>spell-check program?
>>>
>>>
>>
>>Baloney.
>>The word gullible is in my normal American Heritage dictionary, Word
>>2000 word processing, and the spell checker used on this posting.
>>
>>
>
>
>No way. Better check again. It won't be there.

LOL! Good wun.

==============================================================================
TOPIC: How much is your electric bill?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/474b552ab22ee28c?hl=en
==============================================================================

== 1 of 2 ==
Date: Wed, Mar 19 2008 2:53 pm
From: Jeff

Paul M. Eldridge wrote:
> On Wed, 19 Mar 2008 02:54:25 -0400, Jeff <jeff@spam_me_not.com> wrote:
>

Hi Paul,

<snip>

>
>> Most people don't realize the diminishing return on attic insulation.
>> They think heat rises and don't think heat flows from warmer to colder
>> in every direction.
>
> Heat is sneaky that way. A simple way to demonstrate this is to grasp
> a hot cup of coffee with both hands. Do the sides feel hot? You bet!
>
>> My girlfriend apparently drove under the tornado returning to her home.
>> Several collapsed brick buildings and I know people in the hardest hit
>> area. Oddly nothing more than roof damage to frame structures and no
>> serious injuries.
>
> I'm glad she made it home safely and that you didn't suffer major
> damage to your home. In September 2003 Hurricane Juan took direct aim
> at our city and inflicted a serious amount of pain -- thankfully no
> real harm to my home but one of my neighbours had a sail boat
> literally tossed through his living room.

Yow!
>
> See: http://en.wikipedia.org/wiki/Hurricane_Juan

I have a friend that sometimes works winters in Thunder Bay (repairing
freighters when they can't sail) and he says that your winters are bad!
Now, I have a hard time believing it could be colder than Thunder Bay,
but I guess it certainly is windier. Don't you have something called a
flesh freeze time?

I suspect that the spectacular beauty helps keep you there.

>
>> Nice looking windows.
>>
>> How did you do that? I've been thinking of making some frames out of
>> 1" fir and applying the film to each side. Don't know if I need
>> dessicant or a vent. Maybe contact adhesive to stick it to the frame.
>
> Thanks. I attached these 3M films directly to the window frame itself
> and not the outer trim which means they virtually disappear from view.
> These windows are true divided light, so the plastic film rests on top
> of the mullion bars; these mullion bars provide a one inch air space
> between the window glass and the plastic film on either side in
> addition to a supporting brace (the outside film is protected by the
> wooden storm). They've been in place for about five years now and
> remain remarkably clear; once a year I inspect and if need be
> reinforce the sticky tape, then apply heat with a hair dryer to remove
> any wrinkles that have re-emerged. There are six large windows in
> total and these films save me about $200.00 a year -- a $1,000.00
> return to date on a modest $50.00 investment.

That's an easy way to do this and I like it. I've been going through and
fixing up and painting the walls and I may go that route after the
windows are repainted. Currently I've got the poor mans variation where
I've taped bubble wrap to the frame. You get the air space plus whatever
the bubbles yield, perhaps + R 1.5. Ideal for windows you don't need to
be transparent, like bathrooms. Bubblewrap is not cheaper than shrink
though...

I'm a little stunned at the savings, but you are cutting window losses
in half. And, it doesn't take many square feet of window to lose a lot
of heat when it is -20 outside. At R1.5, the windows were losing as much
heat as 14 times as much wall.

You've done a nice methodical job. Attacking energy loss is always
looking for the new weakest link.

>
>> The fuel oil consumption looks exceptional for where you are. What
>> temp does the heat pump cut off at?
>
> Mine calls it a day at -10C, although some of the newer Fujitsus will
> happily continue working down to -15C and I'm told even -20C.

That's pretty good. Not long ago working down to freezing was typical.

For
> every kWh of electricity I feed it I get roughly 2.5 kWh of heat in
> return, so it's operating costs are about 1/3 of that of my oil
> boiler. It supplies roughly 80 per cent of my home's total space
> heating needs, with the balance provided by the 330 to 350 litres (90
> gallons) of heating oil consumed by my boiler.

>
>> I'm all electric here since the gas company pissed me off (with
>> deregulation came delivery charges that were as high in the summer as
>> winter and I hate paying for nothing) But you may have prompted me to go
>> back to gas for cooking. High end condos here are now advertising gas
>> cooktops, although everything else is electric.
>
> I'm heading more in that direction myself. I want to minimize -- if
> not completely eliminate -- my use of oil. I'm now mulling over the
> purchase of a Nyle heat pump water heater that would theoretically
> knock off the 500 or so litres of fuel oil related to my DHW demand.
> Since I operate a dehumidifier six months of the year and a HPWH would
> perform this service equally well, it would effectively provide me
> with free hot water without any increase in electrical demand (cooling
> and dehumidification are a by-product of its operation).

I take that where this would be located is in a heated space?

The other
> six months of the year it would add to my space heating requirements
> but, here again, my ductless heat pump would be providing the bulk of
> this additional heat at one-third of the cost of oil. I can pick up
> one of these units from the Bangor ME plant for $825.00 and install it
> myself in half a day. The simple payback would be about two years
> which makes it a bit of a no brainer when you think about it.

I'd double check those figures with the actual hot water out
temperature and ambient. I suppose that at it's worse it is just a
resistance heater. The two year paypack seems extremely optimistic to
me, but I really don't know... So much energy goes towards heating water
that a little savings may really add up.

I'll be curious to see where my electric bill goes when my DHW is
solar. I'll still have to run a small pump but I hear the EER on active
solar hot water is astonishingly high. A small solar panel would be a
nice touch to get it to "free".

>
>> I'd say so. I know you spent a good bit of money as well as time on
>> this, but it looks like your payback will be just a few years.
>>
>> I don't think energy cost are heading anywhere but up for a while.
>> Even though on this side of the border we are trying our best to
>> collapse the economy and demand!
>
> Regardless of any minor pullback in price due to various economic
> forces, the long-term trend is up and each of us should be planning
> our course of action now if we haven't already done so.

True words of wisdom. I've been working on this for the last 4 years
with a new project every year. The savings weren't so noticeable at
first but now that the thermal envelope is closing it's really kicking
in. Of course, in 1920, nobody was thinking of energy efficiency and it
takes some effort to close the envelope as it must be closed on all sides.

If I'm wrong
> and prices remain stable or drop back, the worst thing that will
> happen is that it will take a few more years to recover my investment.
> Even if the odds are 50-50 that prices will continue to rise, I don't
> want to be on the losing side of that bet.

I'm with you on that bet. And it has the advantage of being good for
the planet!

Jeff
>
> Cheers,
> Paul

== 2 of 2 ==
Date: Wed, Mar 19 2008 7:20 pm
From: Paul M. Eldridge

On Wed, 19 Mar 2008 17:53:28 -0400, Jeff <jeff@spam_me_not.com> wrote:

Hi Jeff,

>I have a friend that sometimes works winters in Thunder Bay (repairing
>freighters when they can't sail) and he says that your winters are bad!
>Now, I have a hard time believing it could be colder than Thunder Bay,
>but I guess it certainly is windier. Don't you have something called a
>flesh freeze time?
>
> I suspect that the spectacular beauty helps keep you there.

I've been to Thunder Bay in January and we're not quite as bad as
that! The Atlantic Ocean is as a huge thermal buffer, so we have
really great falls, moderately cold winters, an extended and
admittedly not so nice spring and generally pleasant if somewhat
coolish summers. All in all, not too bad.

>That's an easy way to do this and I like it. I've been going through and
> fixing up and painting the walls and I may go that route after the
>windows are repainted. Currently I've got the poor mans variation where
>I've taped bubble wrap to the frame. You get the air space plus whatever
>the bubbles yield, perhaps + R 1.5. Ideal for windows you don't need to
>be transparent, like bathrooms. Bubblewrap is not cheaper than shrink
>though...

I've heard of others who have done this and spoke of the good results.
During the summer months I roll out a garden hose on my back patio to
heat laundry water and refer to this as my "poor man's solar
collector". But, hey, it works well, it didn't cost me a cent and it
helps to further reduce my fuel oil consumption and related CO2
emissions, so why not?

>I'm a little stunned at the savings, but you are cutting window losses
>in half. And, it doesn't take many square feet of window to lose a lot
>of heat when it is -20 outside. At R1.5, the windows were losing as much
>heat as 14 times as much wall.

These six windows are roughly 140 sq. ft. in total and I figure two 3M
window films effectively double their thermal performance (i.e., from
R1.8 to R3.6). There are about 7,800 HDD days locally, so the heat
loss through these windows prior to their installation would be:

1/R1.8 x 140 ft.2 x 7,800 HDD x 24 hrs/day = 14,559,998 BTUs

Cutting this in half represents a savings of some 7.3 MM BTUs/year or
243 litres of heating oil at 82% AFUE. With heating oil now selling
between $1.00 and $1.20 per litre, the potential savings would be as
high as $292.00 a year. My actual savings would be somewhat lower due
to my heat pump but, that said, any additional heat loss would have to
be addressed by my boiler because I'm operating the heat pump flat out
as it is and lack any additional spare capacity.

> You've done a nice methodical job. Attacking energy loss is always
>looking for the new weakest link.

Thanks, although I often lay in bed thinking of the things I might
have overlooked and wondering what else I can do better. Once you get
this ball rolling, it's very hard to stop.

>> I'm heading more in that direction myself. I want to minimize -- if
>> not completely eliminate -- my use of oil. I'm now mulling over the
>> purchase of a Nyle heat pump water heater that would theoretically
>> knock off the 500 or so litres of fuel oil related to my DHW demand.
>> Since I operate a dehumidifier six months of the year and a HPWH would
>> perform this service equally well, it would effectively provide me
>> with free hot water without any increase in electrical demand (cooling
>> and dehumidification are a by-product of its operation).

Re: HPWH:

> I take that where this would be located is in a heated space?

Correct. The utility room on the lower level. Great for the spring,
summer and fall when I require dehumidification on this lower level so
to prevent mould and mildew damage, but not so good during the winter
months obviously.

> I'd double check those figures with the actual hot water out
>temperature and ambient. I suppose that at it's worse it is just a
>resistance heater. The two year paypack seems extremely optimistic to
>me, but I really don't know... So much energy goes towards heating water
>that a little savings may really add up.

Well, for six months of the year it would be providing me with hot
water at no cost because I would be using the HPWH in lieu of my
dehumidifier (again, dehumidification being a "waste by-product" of
its operation). For another two to three months (i.e., late fall and
early spring) it would be consuming heat largely provided by my
ductless heat pump at a COP of 2.5 or better and at a cost about 1/3rd
that of fuel oil. For the months of December, January and February,
as the ductless heat pump is struggling to keep up with demand, we can
assume the HPWH would be stealing space heat that would have been
supplied by the boiler, in which case it's a wash.

In any event, I would expect to eliminate at least 400 litres of
heating oil per year ($400.00 to $480.00 at current prices) and
consume another $50.00 of electricity at the margin (i.e., electricity
used during the months when my dehumidifier would not normally be
required).

> I'll be curious to see where my electric bill goes when my DHW is
>solar. I'll still have to run a small pump but I hear the EER on active
>solar hot water is astonishingly high. A small solar panel would be a
>nice touch to get it to "free".

I would definitely encourage you to pursue this if possible. There
would be an upfront cost, but at that point you will have largely
isolated yourself from any future expense, less normal maintenance.
Plus you'll have the personal satisfaction of knowing you "did the
right thing". Some folks blow $40,000.00 on a SUV just to stroke
their ego and five years later have little or nothing to show for it.
Even if we were to ignore all the other "soft" benefits, you're
investing in something that will ultimately save you money and help
protect you from any future supply side risk.

>True words of wisdom. I've been working on this for the last 4 years
>with a new project every year. The savings weren't so noticeable at
>first but now that the thermal envelope is closing it's really kicking
>in. Of course, in 1920, nobody was thinking of energy efficiency and it
>takes some effort to close the envelope as it must be closed on all sides.

You can take a lot of pride in what you're doing. All of my previous
homes were extensively upgraded even though I knew I would never fully
recover my investment during the course of my ownership. That never
bothered me because I knew these improvements will help out whoever
owned it next and hopefully extend its useful life. I'd rather spend
my money on the fundamentals and the invisible stuff behind the wall
than something strictly cosmetic -- I don't like half-ass jobs.

> If I'm wrong
>> and prices remain stable or drop back, the worst thing that will
>> happen is that it will take a few more years to recover my investment.
>> Even if the odds are 50-50 that prices will continue to rise, I don't
>> want to be on the losing side of that bet.
>
> I'm with you on that bet. And it has the advantage of being good for
>the planet!

Yup. We all have choices and hopefully we make good ones that will
benefit not just ourselves but everyone.

Cheers,
Paul

==============================================================================
TOPIC: Charles Novins rape, beat, and try to kill me
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e26fda5ef160264d?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Mar 19 2008 3:55 pm
From: Aratzio

On Wed, 19 Mar 2008 08:31:16 -0400, in the land of
alt.battlestar-galactica, "Yoshi" <otakudude@gmail.com> got double
secret probation for writing:

>
><victim.of.charles.novins.violence@gmail.com> wrote in message
>news:e6d2d8e4-c5cd-4772-b5a4-81758398a578@b1g2000hsg.googlegroups.com...
>> Hi
>>
>> My name is Dong Tu Hsin, a Thai citizen in hiding from violent
>> American rapist call Charles Novins. Novins come to my country years
>> ago and raped me. Try to kill me to keep me from talking. Left me to
>> be dead. Doctors have to close wounds in my back side and set some
>> brokened bones Novins gave me.
>>
>> I cant not go home because police will arrest me as witness to arrest
>> Novins if he comes back to Thailand again. They hold me until he
>> comes to rape and kill more Thai boys. I will be prisoned because I
>> victim.
>>
>> I call upon American police to arrest and deport Novins to Thailand
>> now so that this ordeal can be done. I will go home to testimony
>> against violent American murdering and pedophile name Charles Novins.
>>
>> Please help us prison this evil violent predater. He rape and kill
>> many Thai boy. He call me gook and slope head, say I just some trash
>> he use and throw of away.
>>
>> DTH, victim of Charles Novins violence.
>
>
>WTF does this have to do with digital photography?
>

Welcome to Bowtie World.

A Number 1, Grade A, Prime USDA 'Ratz
Accept No Substitute

==============================================================================
TOPIC: Question about car early payoff
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/580d676208ebd736?hl=en
==============================================================================

== 1 of 7 ==
Date: Wed, Mar 19 2008 4:17 pm
From: val189

On Mar 18, 10:30 pm, somebody <s...@body.com> wrote:
> I only have 5 months to pay on my car. At that point, I plan to trade it
> in on a new car.

Why do you want to trade it in? Personally, I loved the years of not
having car payments. Gave me a chance to beef up the rainy day
account or be in better shape for the next car purchase..

== 2 of 7 ==
Date: Wed, Mar 19 2008 4:56 pm
From: Shawn Hirn

In article <hoydnXfmXYZ9FX3anZ2dnUVZ_hninZ2d@comcast.com>,
somebody <some@body.com> wrote:

> I only have 5 months to pay on my car. At that point, I plan to trade it
> in on a new car. I'm thinking that instead of going through the hassle of
> completely paying it off, and going through the hassle of obtaining the
> title, I'll just trade it in with a month or two remaining. Does that
> sound reasonable?

Whatever works for you. There's no right or wrong answer. It depends on
your budget and other factors that only you know about.

== 3 of 7 ==
Date: Wed, Mar 19 2008 5:03 pm
From: George Grapman

val189 wrote:
> On Mar 18, 10:30 pm, somebody <s...@body.com> wrote:
>> I only have 5 months to pay on my car. At that point, I plan to trade it
>> in on a new car.
>
> Why do you want to trade it in? Personally, I loved the years of not
> having car payments. Gave me a chance to beef up the rainy day
> account or be in better shape for the next car purchase..
>
>
>
Reminds me of the best cars I ever had, dollar for dollar. In early
1998 my car died. I just wanted something to get me thorough the next 6
months. Found a 1980 Honda for $350 that the owner admitted would need a
clutch. I babied the clutch (not an easy task in San Francisco) but 4
months later it had to be replaced, Had the car until late 1999 when I
sold it for the same $350.
I am still driving the car I purchased in 1999. About once every two
years it needs a repair in the $300 range. Went to LA last month and got
about 35 mpg,Saturn 4 door,fully paid for.

== 4 of 7 ==
Date: Wed, Mar 19 2008 5:31 pm
From:
------------------------------------------------------------------------------

"somebody" <some@body.com> wrote in message
news:hoydnXfmXYZ9FX3anZ2dnUVZ_hninZ2d@comcast.com...
>I only have 5 months to pay on my car. At that point, I plan to trade it
> in on a new car. I'm thinking that instead of going through the hassle of
> completely paying it off, and going through the hassle of obtaining the
> title, I'll just trade it in with a month or two remaining. Does that
> sound reasonable?
>
> -Thanks
>

You actually bought a car with a loan instead of paying cash for a used
vehicle? How unfrugal of you. I have no words.

== 5 of 7 ==
Date: Wed, Mar 19 2008 5:32 pm
From: max

In article
<7558e211-22cd-4c5b-adf6-c6ceba5252e5@13g2000hsb.googlegroups.com>,
val189 <gwehrenb@bellsouth.net> wrote:

> On Mar 18, 10:30 pm, somebody <s...@body.com> wrote:
> > I only have 5 months to pay on my car. At that point, I plan to trade it
> > in on a new car.
>
> Why do you want to trade it in? Personally, I loved the years of not
> having car payments. Gave me a chance to beef up the rainy day
> account or be in better shape for the next car purchase..

maybe it's a gas-guzzling Tahoe and he wants to right-size into a Prius
or a Smart Fortwo.

--
This signature can be appended to your outgoing mesages. Many people include in
their signatures contact information, and perhaps a joke or quotation.

== 6 of 7 ==
Date: Wed, Mar 19 2008 7:52 pm
From: websurf1@cox.net

On Mar 19, 6:06 am, brother mouse <brother_mo...@nowhere.invalid>
wrote:
> On Wed, 19 Mar 2008 08:07:09 -0400, clams_casino wrote:
> > Trading a well running car for a new car typically makes little sense.
>
> That's positively un-American!
>
> :-)

Maybe these days. It used to be common sense, back when sense was
more common.

== 7 of 7 ==
Date: Wed, Mar 19 2008 2:25 pm
From: timeOday

clams_casino wrote:
> somebody wrote:
>
>> I only have 5 months to pay on my car. At that point, I plan to trade it
>> in on a new car. I'm thinking that instead of going through the
>> hassle of
>> completely paying it off, and going through the hassle of obtaining the
>> title, I'll just trade it in with a month or two remaining. Does that
>> sound reasonable?
>>
>>
>>
>
> Trading a well running car for a new car typically makes little sense.

You always have hamburger and never steak?

==============================================================================
TOPIC: Free WiFi @ my local Chick-Fil-A
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/eecebb13c01f453d?hl=en
==============================================================================

== 1 of 2 ==
Date: Wed, Mar 19 2008 4:43 pm
From: "Lee K"

"James" <j0069bond@hotmail.com> wrote in message
news:46201832-cbb0-4b92-b1b4-861b2da5feee@s19g2000prg.googlegroups.com...
> Anyone here taking advantage? I've use WiFi at coffee houses but
> Chick seems a little too greasy to me. I'm afraid the frying might
> cause a oily film to attack my laptop.

I can't get any traction on my touch pad.

== 2 of 2 ==
Date: Wed, Mar 19 2008 9:35 pm
From: Logan Shaw

James wrote:
> Anyone here taking advantage? I've use WiFi at coffee houses but
> Chick seems a little too greasy to me. I'm afraid the frying might
> cause a oily film to attack my laptop.

Well, I suppose you could always just not go there, then.

- Logan

==============================================================================
TOPIC: Question about installing a Frigidaire GLCF386DS gas range...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8de35e7081277dbe?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Mar 19 2008 4:54 pm
From: Shawn Hirn

In article <aUeEj.7379$%Y2.3319@trnddc08>,
"Claude Balls" <claudeballsjr@REMOVEyahoo.com> wrote:

> Question about installing a Frigidaire GLCF386DS gas range...
>
> See sketch here:
> http://www.geocities.com/claudeballsjr/range.html
>
> This sketch shows the gas supply pipe coming from the wall as now is. I don't
> have the new range here and can't find info at frigidaire.com or from the
> dealer. I would like to know before the range is delivered if there is room
> inside the back of the range to accommodate this pipe and valve, or if I need
> to remove it and use a smaller one.
>
> Problem is that the pipe will need to be cut off and I'm trying to avoid
> that.

Tell the dealer to provide you with the information or you will find
another dealer who will, or call Fridgidaire's customer service to ask.

==============================================================================
TOPIC: www.replicawatchwholesaler.com wholesale and dropship replica and copy
brand watch
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2495ec60afe02e49?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Mar 19 2008 6:30 pm
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== 1 of 1 ==
Date: Wed, Mar 19 2008 7:03 pm
From: Gungun

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== 1 of 1 ==
Date: Wed, Mar 19 2008 7:44 pm
From: handbags002@cnreplicas.com

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== 1 of 1 ==
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== 1 of 1 ==
Date: Wed, Mar 19 2008 7:45 pm
From: handbags003@cnreplicas.com

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d8993f342a81d114?hl=en
==============================================================================

== 1 of 1 ==
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== 1 of 1 ==
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==============================================================================
TOPIC: Antihistamine nasal spray over the counter?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/adc29ba237b92133?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Mar 19 2008 9:19 pm
From: Logan Shaw

ranck@vt.edu wrote:
> I just ask the pharmacist for the
> largest box of generic pseudoephredrine he's got and that is
> enough for a whole year.
>
> I find it mildly amusing that I used to have to ask the
> pharmacist for condoms from behind the counter, but could
> buy Sudafed off the shelf, and now its the other way around.

You're setting yourself up for someone asking you whether you
just buy the largest box of generic condoms available and
whether that is enough for a whole year. :-) In fact, I
think I just sort of implicitly asked that, now that I think
about it.

- Logan

==============================================================================
TOPIC: how to catch a clever mouse?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bc8fd4ec8439afb6?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Mar 19 2008 9:23 pm
From: Logan Shaw

Stormin Mormon wrote:
> What is a raison?

It's French for "reason", you know, like "raison d'etre".

By the way, you keep quoting other articles in such a way that
they become part of your signature. Looks really weird on my
newsreader, where they're rendered in the same font reserved
for signature. (Which is logical since, syntactically, it is
one.)

- Logan

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9 new messages in 6 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:

* Antihistamine nasal spray over the counter? - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/adc29ba237b92133?hl=en
* How much is your electric bill? - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/474b552ab22ee28c?hl=en
* Question about car early payoff - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/580d676208ebd736?hl=en
* Saving Money on Drugs (Free Samples Aren't Really Free) - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9631815b7c86e5ac?hl=en
* (WWW.CN-CIRCLE.COM ) cheap wholesae GUCCI shoes, GUCCI handbags, Gucci
sunglasses, Gucci hats, Gucci watches, Gucci belt, Gucci tiffany,air RIFT
outlet shoes, and jeans, edhoodies, T-shirts - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/88b4d353816eb76c?hl=en
* QualityGenerics.com - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/993d292753f12680?hl=en

== 1 of 3 ==
Date: Wed, Mar 19 2008 7:35 am
From: "Chloe"

"Logan Shaw" <lshaw-usenet@austin.rr.com> wrote in message
news:47e06a6d$0$1126$4c368faf@roadrunner.com...
> Chloe wrote:
>> "Just A User" <ken@up-yours-spammer.net> wrote in message
>> news:J-edneLVKpgkKkPanZ2dnUVZ_o3inZ2d@giganews.com...
>>> me@privacy.net wrote:
>>>> Have and advice on one?
>>>>
>>>> I have a cold or something and my nose is running like
>>>> a water faucet. Normally when that happens it drips
>>>> down back of my throats and cause chest infection
>>>>
>>> I have the same problem, mine is caused by mold allergies. I have found
>>> great relief with sinus buster products. Not exactly frugal, but cheaper
>>> than the regular visits to the allergist.
>>
>> Most any kind of sinus problem can be helped at least a bit by regular
>> use of a neti pot. Google if you don't know what it is.
>
> This seems like it would help a lot with congestion but wouldn't
> help at all with a runny nose.

It won't immediately stop the drainage, but in my experience (and that of a
lot of other people I've known) after even a few days regular use it will
address the underlying problem that's causing the drainage, which is
irritation of the sinus tissues from things like allergens, other foreign
substances, or infection.

Picture a patch on your external skin where some substance is causing
irritation. Just about everybody knows to wash the substance off or remove
it in some way. The principle behind use of the neti pot is the same.

== 2 of 3 ==
Date: Wed, Mar 19 2008 9:17 am
From: "Rod Speed"

Chloe <justsayno@spam.com> wrote
> Logan Shaw <lshaw-usenet@austin.rr.com> wrote
>> Chloe wrote
>>> Just A User <ken@up-yours-spammer.net> wrote
>>>> me@privacy.net wrote

>>>>> Have and advice on one?

>>>>> I have a cold or something and my nose is running like
>>>>> a water faucet. Normally when that happens it drips
>>>>> down back of my throats and cause chest infection

>>>> I have the same problem, mine is caused by mold allergies. I have found great relief with sinus buster products.
>>>> Not exactly frugal, but cheaper than the regular visits to the allergist.

>>> Most any kind of sinus problem can be helped at least a bit by
>>> regular use of a neti pot. Google if you don't know what it is.

>> This seems like it would help a lot with congestion but wouldn't help at all with a runny nose.

> It won't immediately stop the drainage, but in my experience (and that of a lot of other people I've known) after even
> a few days regular use it will address the underlying problem that's causing the drainage, which is irritation of the
> sinus tissues from things like allergens, other foreign substances, or infection.

Wont do a damned thing for an infection.

> Picture a patch on your external skin where some substance is causing
> irritation. Just about everybody knows to wash the substance off or
> remove it in some way. The principle behind use of the neti pot is the same.

Like hell it is if he's just got a cold.

== 3 of 3 ==
Date: Wed, Mar 19 2008 9:30 am
From: George Grapman

I used to take generic Sudafed at least several times a year and
often several times a day. Last year I went to an acupuncturist . I seem
him about every three month and have not taken a single Sudafed.

== 1 of 2 ==
Date: Wed, Mar 19 2008 8:52 am
From: " P.O.W."

In article
<c100f473-7d77-4156-b148-dc699521d49f@e23g2000prf.googlegroups.com>,
Seerialmom <seerialmom@yahoo.com> wrote:

> No place to put insulation without a LOT of trouble.

actually you don't "need" insulation if you heat with Radiant heating.

It works the same way the Sun heats the earth.,
The air is not heated, objects are warmed by Radiation.

Hint; the source of the heat must be in the space. not in the basement.

--
when you believe the only tool you have is a hammer.
problems tend to look like nails.

== 2 of 2 ==
Date: Wed, Mar 19 2008 8:54 am
From: Jeff

P.O.W. wrote:
> In article
> <c100f473-7d77-4156-b148-dc699521d49f@e23g2000prf.googlegroups.com>,
> Seerialmom <seerialmom@yahoo.com> wrote:
>
>> No place to put insulation without a LOT of trouble.
>
> actually you don't "need" insulation if you heat with Radiant heating.
>
> It works the same way the Sun heats the earth.,
> The air is not heated, objects are warmed by Radiation.
>
> Hint; the source of the heat must be in the space. not in the basement.
>
Heat is transmitted via three methods.

1) Radiation: By being near something warm
2) Conduction: Insulation slows conduction losses
3) Convection: Air circulation currents convect heat

Now, if you are outside and sitting by a fire, then you are being
heated by radiation.

The problem with that is that only one side is being warmed. Inside a
house radiant heat heats all the objects inside the room including the
walls. Those objects in turn warm (or cool) the house occupants, just as
a radiator does. The temperature of a radiant floor is just a few
degrees warmer than the rest of the environment because the surface area
is large. Now, if you have cold walls, then you will feel those just as
surely as you feel the warmth from the floor.

Radiant heat works better in drafty and poorly insulated spaces, but
it does not mean that you wouldn't be more comfortable in a better
insulated space and that your heat bill would be lower.

Radiant heat (from broad area sources) is more comfortable than what
some people refer to as scorched air heating.

Jeff

== 1 of 1 ==
Date: Wed, Mar 19 2008 8:24 am
From: Binyamin Dissen

On Tue, 18 Mar 2008 23:30:39 -0400 somebody <some@body.com> wrote:

:>I only have 5 months to pay on my car. At that point, I plan to trade it
:>in on a new car.

Why do you want/need a new car?

Why is the decision predicated on when your current car will be paid off?

:> I'm thinking that instead of going through the hassle of
:>completely paying it off, and going through the hassle of obtaining the
:>title, I'll just trade it in with a month or two remaining. Does that
:>sound reasonable?

I would expect that most car dealerships know how to handle such a
transaction.

But the earlier questions stand.

--
Binyamin Dissen <bdissen@dissensoftware.com>
http://www.dissensoftware.com

Should you use the mailblocks package and expect a response from me,
you should preauthorize the dissensoftware.com domain.

I very rarely bother responding to challenge/response systems,
especially those from irresponsible companies.

==============================================================================
TOPIC: Saving Money on Drugs (Free Samples Aren't Really Free)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9631815b7c86e5ac?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Mar 19 2008 8:24 am
From: Al Bundy

On Mar 18, 4:36 pm, "Evelyn C. Leeper" <elee...@optonline.net> wrote:
> Al Bundy wrote:
> > On Mar 17, 4:42 pm, "Evelyn C. Leeper" <elee...@optonline.net> wrote:
> >> We all know that generic drugs are cheaper than brand-name. And we all
> >> think that getting free samples from the doctor is cheaper yet. But it
> >> isn't.
>
> >> The samples that the doctors get to give out are pretty much only for
> >> those drugs that have no generics. So if you are diagnosed with
> >> condition X that requires a maintenance drug, and the doctor says,
> >> "Let's try drug Q; here's a month's worth of free samples," what happens
> >> at the end of the month? If drug Q works, he or she will prescribe drug
> >> Q--and it's available only as a name-brand. (That's why the drug
> >> company gives out the samples.)
>
> >> On the other hand, if you say up front that you want to try a generic
> >> first, you will have to pay for the first month's supply. but if it
> >> works, the on-going prescription will be for the (much cheaper) generic.
>
> >> --
> >> Evelyn C. Leeper
> >> Heretic: someone who disagrees with you about
> >> something neither of you knows anything about.
>
> > True enough, but not always possible. The new drug may offer symptom
> > control not proven with the generic. In other cases you might switch
> > to a generic of the same class if the free one worked. Of course, who
> > is not resistant to changing something that works. That's the way
> > marketing works. And if the new drug doesn't help, you spent nothing.
> > For routine stuff like infections, reflux, and high BP, generics often
> > prove as effective.
>
> Well, yes, sometimes one needs the new drug. But my point was that if
> you have something requiring a maintenance drug, starting with something
> with no available generic will just mean continuing with that brand
> name, even though the first month is free. Assuming the doctor has no
> specific reason to prescribe something *other* than a generic, most
> people will be better off starting with a generic.
>
>
I'd always start by asking for the generic and let the discussion go
from there. Then you have it covered.
Your point involved "maintenance" drugs. If you get to the point of
needing something on an ongoing basis, chances are you have gone
through a period of testing various things for efficacy.

For people who are insured, the drug policy tends to take care of this
issue in the first place by specifying generic.

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== 1 of 1 ==
Date: Wed, Mar 19 2008 9:03 am
From: clams_casino

emanuele.giolfo@gmail.com wrote:

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>
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>
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>Be careful.
>
>

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Wednesday, March 19, 2008

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