Frugal Living: Mar 20, 2008

Thursday, March 20, 2008

24 new messages in 18 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:

* QualityGenerics.com - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/993d292753f12680?hl=en
* WEDDING PLANS? Save Your Money, Your Solvency, and Your Sanity! - 1 messages,
1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e9237484d0ee0533?hl=en
* Free WiFi @ my local Chick-Fil-A - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/eecebb13c01f453d?hl=en
* Charles Novins rape, beat, and try to kill me - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e26fda5ef160264d?hl=en
* comments from canandians, pls: canadian health care - 5 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/190b5f62e6acf0e1?hl=en
* 401K - administrator holds contributions for 7 days before investing them -
2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/888b961bb237d482?hl=en
* china wholesale timberland ugg boots dsquared lacoste versace chanel 4us
gucci sneakers cheap wholesale fendi prada handbags at factory price - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f3e5677c927e34f9?hl=en
* Antihistamine nasal spray over the counter? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/adc29ba237b92133?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
* www.urbanhotsale.net china wholesale bapesta james hogan sneakers prada dior
gucci handbags & wallets,cheap UGG nike wook boots AF1 x jordans 12 fusion
shoes - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/303a1346add604cd?hl=en
* billigflug palma billig fluege nach palma mallorca inklusive flug flug
muenchen palma billigflug palma mallorca nur flug palma de mallorca billigflug
hannover palma billigflug palma flug berlin palma billigfluege duesseldorf
palma fluege koeln mallorca billigflug hamburg fluege hannover mallorca - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a9baf2aba008ce91?hl=en
* flug nach la palma flug muenchen palma fluege santa cruz la palma guenstige
fluege nach palma fluege palma flug bremen billigflug frankfurt palma flug
berlin mallorca mallorca mit flug flug bremen palma flug nuernberg la palma
billige fluege palma flug bremen nach mallorca palma de mallorca - 1 messages,
1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5ff0b2443e71eceb?hl=en
* Chloe 20083 white black cream dark coffee dark blue camel Replica AAA, Fake
HandBags Cheap - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a2dfc1ecb1b31cbf?hl=en
* Chloe 20086 coffee Replica AAA, Fake HandBags Cheap - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/53db84f30afeff9e?hl=en
* Chloe 50811 rosy gold white Replica AAA, Fake HandBags Cheap - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c29e8128ad772123?hl=en
* Jaeger LeCoultre Reverso Duo 18kt White Gold Mens Watch 272.31.40 Replica -
1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ff24714d0a1ca8a2?hl=en
* Jaeger LeCoultre Reverso Duo 18kt White Gold Mens Watch 272.34.40 Replica -
1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/137da5de2b621702?hl=en
* Jaeger LeCoultre Reverso Grande Date 18kt Rose Gold Mens Watch 273.24.2A
Replica - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f00e72977fd877d?hl=en

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

== 1 of 2 ==
Date: Thurs, Mar 20 2008 2:55 pm
From: JonL

clams_casino wrote:
> JonL wrote:
>
>> emanuele.giolfo@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.
>>>k the
>>> I've lost 106 euros !!
>>> Be careful.
>>
>>
>> try alldaychemist.com
>>
>> Fast service from India.
>
>
> Best part about buying pills on line from overseas is that there is
> rarely any allergic reactions (unless one is allergic to salt).

Axshully, imo, the best part is the price. Indian companies can legally
clone drugs as long as their process differs. I think Big Pharm from
the US either bribed or threatened them into stopping this practice, but
only new drugs, not those already on the market.

After googling for opinions on this site, I suggested it to an oldtimer
a few years ago. He much preferred paying $2 for his pills, than $10 in
the US.

== 2 of 2 ==
Date: Thurs, Mar 20 2008 4:44 pm
From: clams_casino

JonL wrote:

>
> Axshully, imo, the best part is the price. Indian companies can
> legally clone drugs as long as their process differs. I think Big
> Pharm from the US either bribed or threatened them into stopping this
> practice, but
> only new drugs, not those already on the market.
>
> After googling for opinions on this site, I suggested it to an
> oldtimer a few years ago. He much preferred paying $2 for his pills,
> than $10 in the US.

Considering India's notorious reputation for counterfeit goods, how can
you have any trust in what you are getting?

"China, with as high as 40% counterfeit drugs nationwide, and India are
at the center of the fake pharmaceutical trade, with their products
being used around the world. (39) One reason for the prevalence in
developing countries is a relaxed attitude toward both domestic patent
laws and poorly enforced legislation."

http://tinyurl.com/ywpcub

==============================================================================
TOPIC: WEDDING PLANS? Save Your Money, Your Solvency, and Your Sanity!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e9237484d0ee0533?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 3:49 pm
From: RIMme

If you're a prospective BRIDE (or bridegroom) and you're thinking
(dreaming) of that big, once-in-a-lifetime, EXPENSIVE wedding and
RECEPTION(!) -- why don't you think ... again.

As you know, half of U.S. marriages end up on the rocks.

And as you also know, planned wedding ceremonies and receptions are
COSTLY. Not too unlike FUNERALS, where a perfect stranger makes
outrageous arrangements the costs of which are not even close to the
actual funeral home's out-of-pocket expenses.

Wedding events, however, are way beyond the rip-offs generated by
morticians. And that wedding planner, the photographer, and all the
other highly dispensable hangers-on -- you'll never SEE 'em again.
Even if you have post-nuptial complaints!

Is it, are they, worth it?

You can do yourself and your betrothed a big favor by electing one of
the following options:

a) Get hitched at City Hall and forego going into the tens of
thousands of dollars of big DEBT your cousin spent on her wedding
three years ago, just three years before her divorce.

b) Plan your wedding/reception so carefully that you'll hardly miss
the dough you spent. And the disliked people you avoided.

c) Have your religious leader marry you in a small church ceremony,
just to be able to say your marriage is somehow "blessed," pay the
preach the $75, then go on a nice honeymoon within your budget(s).

d) Continue to live together sans license and go on making memories
and enjoying the closeness, conversations, cuddling -- and fine sex --
you've come to love -- and save, save, save for your future together.

When it comes your marriage, getting ripped-off doesn't guarantee
anything but the bills in the mail.

---------------------
"Your Big Fat Foolish Wedding"

By Michelle Singletary
Thursday, March 20, 2008; D02

In several recent online discussions, I've gotten into a debate about
the cost of a wedding.

It all started when someone on a tight budget asked: "How do I find a
place and feed 100 people?"

I responded that the best solution is to stick to your budget and cut
the guest list.

Well, you would have thought I had attacked the very institution of
family.

Here's what one person said: "I was surprised at your advice to the
poster who wanted to reduce wedding costs.
I absolutely agree that people should stick to a wedding budget, but I
was raised to believe that weddings are not just about the couple, but
about the families being joined together. So the guest list is the
last thing to cut, not the first."

Another wrote: "Certain cultures and religions do place a lot of
emphasis on family during a wedding celebration."

Then there was this response from someone who cut costs and was
ridiculed by relatives.

"My family was just appalled at the 'quaintness' of my wedding, a
lunch with a cocktail hour," the person wrote. "It wasn't a big New
York blowout. I got married in Atlanta. They wouldn't even have
thought about coming down here if they weren't getting fed. Honestly,
I would have been embarrassed to do much less."

There you have it, folks.

This is one the reasons so many people are broke. They -- perhaps even
you -- are trying to meet other people's expectations.

A wedding is not about the family. The families aren't being joined
together (although you likely will have to deal with a lot of family
drama). A wedding is about the couple. (And no, Bridezilla, it's not
about you.) It's supposed to be about the vows the two people make to
each other. Onlookers, except for the required official and/or
witnesses, are expendable.

Yes, I'm aware that many cultures have blowout bashes to celebrate the
holy matrimony of two people. In some cultures, brides, grooms or
their families spend precious resources -- money, farm animals, etc.
-- to pay for weddings.

But some traditions, no matter how venerable, should be abandoned if
they aren't reasonable. You can and should put a price on this special
day. You should have the wedding you can afford.

When I say afford, I mean weigh the wedding expenses against how that
money could be better used. Consider whether it's worth spending
upward of $30,000 for a wedding in which the majority of the costs
goes toward the reception and honeymoon -- a party and vacation.

At least ask yourself if the money you plan on spending for some
lavish wedding and honeymoon could be better used to pay down debt,
buy a home or invest for retirement.

I've always believed that you start with a budget. Then you plan for
the wedding. That's what I did when planning my own wedding almost 17
years ago. If you start with a guest list, the venue or any of the
other things you want, you will overspend.

ING Direct, the online banking company, surveyed British couples and
found that spiraling costs forced people to postpone their weddings or
abandon getting hitched altogether. Fifteen percent of the couples
said they didn't think they would ever get married, with the majority
claiming this was because of the huge cost involved.

How idiotic that folks who say they've found the love of their life
won't commit because they don't have the funds for the celebration.
You can get married for what it costs to attend a play.

Trust me, there are people who have found marital bliss by spending
less.

"I've already found the friend's back yard to hold the wedding/
reception," one person wrote. "The rest of our money will be spent on
a mini-weekend away until we can afford the European getaway of 'my'
dreams, perhaps as a five-year anniversary gift."

If friends or family complain about a small guest list, simply say,
"We would love to have a bigger bash but we just can't." End the
discussion there, because it's your life and your money.

Here's what I tell couples fretting over paying for a big wedding.
Spend lavishly for your wedding if you like -- with money you have
saved, not with any debt -- if you can check off the following:

* You have three to six months of living expenses saved up.

* You have a life-happens fund. This fund is used for everyday
expenses, such as car repairs.

* You both are saving for retirement.

* Neither of you has credit card or student loan debt.

* If you have children, there are college funds for each in place.

If you can't check off every single item on that list, then you need
to reconsider big reception plans and go on an inexpensive honeymoon,
because you can't afford more.

http://www.washingtonpost.com/wp-dyn/content/article/2008/03/19/A2008031903452.html

==============================================================================
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 1 ==
Date: Thurs, Mar 20 2008 4:07 pm
From: Seerialmom

On Mar 19, 12:04 pm, James <j0069b...@hotmail.com> 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.

Would you really be sitting in there long enough to get that much
grease? They do use powerful vents over the fryers...I'm sure your
laptop would live for an hour. Or you could get inventive...and use a
sheet of Saran wrap on the keyboard and one of them laptop
"envelopes" (kinda like a book cover).

==============================================================================
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: Thurs, Mar 20 2008 4:24 pm
From: Al Bundy

victim.of.charles.novins.viole...@gmail.com wrote:
> 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.
Ironic that both the supposed victim and alleged perp both chose to
hide in the good old USA.
Well, if he shows up here in this group, we will prison him with a
wall of flame posts.

==============================================================================
TOPIC: comments from canandians, pls: canadian health care
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/190b5f62e6acf0e1?hl=en
==============================================================================

== 1 of 5 ==
Date: Thurs, Mar 20 2008 4:36 pm
From: "Bob F"

"Bill Bowden" <wrongaddress@att.net> wrote in message
news:9a80e468-cb39-4474-8792-aa1a4c1abd9c@i12g2000prf.googlegroups.com...
On Mar 16, 11:38 pm, "Bob F" <bobnos...@gmail.com> wrote:
>> "Bill Bowden" <wrongaddr...@att.net> wrote in message
>
>> news:a3a7b224-db20-4a73-86c0-
>
>> >Actually, lower income Americans don't pay any taxes, the upper
>> >incomes pay most of the tax. People in the lower incomes of less than
>> >$30K pay little or no tax. And if they have a family, they may
>> >actually get a refund greater than the tax paid due to the earned
>> >income credit. Most people pay little or nothing in federal income
>> >tax.
>>
>> Thus making living in poverty a much better life than being filthy rich and
>> paying 15%.

>15% only applies to the first $22,000. It goes up from there. How do
>you expect to pay for all the entitlements and social programs with a
>15% tax rate on the few 'filthy rich' ? It's a lot higher than that.

Really? What's the long term capital gains rate in the U.S.? What's the tax on
dividends? Where do you suppose the "filthy rich" make mnost of their money?

== 2 of 5 ==
Date: Thurs, Mar 20 2008 5:48 pm
From: krw

In article <h9ydnVtamKCaaH_anZ2dnUVZ_oKhnZ2d@comcast.com>,
bobnospam@gmail.com says...
>
> "Bill Bowden" <wrongaddress@att.net> wrote in message
> news:9a80e468-cb39-4474-8792-aa1a4c1abd9c@i12g2000prf.googlegroups.com...
> On Mar 16, 11:38 pm, "Bob F" <bobnos...@gmail.com> wrote:
> >> "Bill Bowden" <wrongaddr...@att.net> wrote in message
> >
> >> news:a3a7b224-db20-4a73-86c0-
> >
> >> >Actually, lower income Americans don't pay any taxes, the upper
> >> >incomes pay most of the tax. People in the lower incomes of less than
> >> >$30K pay little or no tax. And if they have a family, they may
> >> >actually get a refund greater than the tax paid due to the earned
> >> >income credit. Most people pay little or nothing in federal income
> >> >tax.
> >>
> >> Thus making living in poverty a much better life than being filthy rich and
> >> paying 15%.
>
> >15% only applies to the first $22,000. It goes up from there. How do
> >you expect to pay for all the entitlements and social programs with a
> >15% tax rate on the few 'filthy rich' ? It's a lot higher than that.
>
> Really? What's the long term capital gains rate in the U.S.? What's the tax on
> dividends? Where do you suppose the "filthy rich" make mnost of their money?
>
Why don't you look up what the "filthy rich" (whatever your
definition) pays in taxes. You'll find it's a lot more than those
that aren't so "filthy".

--
Keith

== 3 of 5 ==
Date: Thurs, Mar 20 2008 6:02 pm
From: clams_casino

krw wrote:

>In article <h9ydnVtamKCaaH_anZ2dnUVZ_oKhnZ2d@comcast.com>,
>bobnospam@gmail.com says...
>
>
>>"Bill Bowden" <wrongaddress@att.net> wrote in message
>>news:9a80e468-cb39-4474-8792-aa1a4c1abd9c@i12g2000prf.googlegroups.com...
>>On Mar 16, 11:38 pm, "Bob F" <bobnos...@gmail.com> wrote:
>>
>>
>>>>"Bill Bowden" <wrongaddr...@att.net> wrote in message
>>>>
>>>>
>>>>news:a3a7b224-db20-4a73-86c0-
>>>>
>>>>
>>>>>Actually, lower income Americans don't pay any taxes, the upper
>>>>>incomes pay most of the tax. People in the lower incomes of less than
>>>>>$30K pay little or no tax. And if they have a family, they may
>>>>>actually get a refund greater than the tax paid due to the earned
>>>>>income credit. Most people pay little or nothing in federal income
>>>>>tax.
>>>>>
>>>>>
>>>>Thus making living in poverty a much better life than being filthy rich and
>>>>paying 15%.
>>>>
>>>>
>>>15% only applies to the first $22,000. It goes up from there. How do
>>>you expect to pay for all the entitlements and social programs with a
>>>15% tax rate on the few 'filthy rich' ? It's a lot higher than that.
>>>
>>>
>>Really? What's the long term capital gains rate in the U.S.? What's the tax on
>>dividends? Where do you suppose the "filthy rich" make mnost of their money?
>>
>>
>>
>Why don't you look up what the "filthy rich" (whatever your
>definition) pays in taxes. You'll find it's a lot more than those
>that aren't so "filthy".
>
>
>
Total or percentage of income?

== 4 of 5 ==
Date: Thurs, Mar 20 2008 6:48 pm
From: Bill Bowden

On Mar 20, 5:24 am, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
> Bill Bowden wrote:
> >On Mar 18, 9:16 am, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
>
> >>Bill Bowden wrote:
>
> >>>Actually, lower income Americans don't pay any taxes
>
> >>Hmm - how does one get to avoid FICA, sales, excise & property taxes?
>
> >>Neat trick. Care to share?
>
> >Sure. First, you avoid FICA tax by not working for wages. Second, you
> >avoid sales tax by buying most everything at swap meets and garage
> >sales. Third, you avoid property tax by owning (real estate investment
> >trusts) REITS in the stock market which has no property tax. And
> >fourth, you reduce all taxes by owning an S-corporation that never
> >makes a profit, but has lots of expenses.
>
> >-Bill
>
> All tricks widely used by the "lower income" groups who "pay no taxes"?
>
> Never realized the lower income groups were so savvy.

Doesn't take too many big tax payments to get savvy. There are many
low income carpet layers for example that do all work under contract,
thus avoiding FICA tax. The profits are all in the inflated materials
cost and the labor is a dollar an hour. The down side is the sales tax
goes up, but since the sales tax is only half the FICA tax, it makes
sense to move all the profits into materials and little in labor. They
are not as stupid as you think.

-Bill

== 5 of 5 ==
Date: Thurs, Mar 20 2008 7:23 pm
From: krw

In article <KODEj.12772$KJ1.1977@newsfe19.lga>,
PeterGriffin@DrunkinClam.com says...
> krw wrote:
>
> >In article <h9ydnVtamKCaaH_anZ2dnUVZ_oKhnZ2d@comcast.com>,
> >bobnospam@gmail.com says...
> >
> >
> >>"Bill Bowden" <wrongaddress@att.net> wrote in message
> >>news:9a80e468-cb39-4474-8792-aa1a4c1abd9c@i12g2000prf.googlegroups.com...
> >>On Mar 16, 11:38 pm, "Bob F" <bobnos...@gmail.com> wrote:
> >>
> >>
> >>>>"Bill Bowden" <wrongaddr...@att.net> wrote in message
> >>>>
> >>>>
> >>>>news:a3a7b224-db20-4a73-86c0-
> >>>>
> >>>>
> >>>>>Actually, lower income Americans don't pay any taxes, the upper
> >>>>>incomes pay most of the tax. People in the lower incomes of less than
> >>>>>$30K pay little or no tax. And if they have a family, they may
> >>>>>actually get a refund greater than the tax paid due to the earned
> >>>>>income credit. Most people pay little or nothing in federal income
> >>>>>tax.
> >>>>>
> >>>>>
> >>>>Thus making living in poverty a much better life than being filthy rich and
> >>>>paying 15%.
> >>>>
> >>>>
> >>>15% only applies to the first $22,000. It goes up from there. How do
> >>>you expect to pay for all the entitlements and social programs with a
> >>>15% tax rate on the few 'filthy rich' ? It's a lot higher than that.
> >>>
> >>>
> >>Really? What's the long term capital gains rate in the U.S.? What's the tax on
> >>dividends? Where do you suppose the "filthy rich" make mnost of their money?
> >>
> >>
> >>
> >Why don't you look up what the "filthy rich" (whatever your
> >definition) pays in taxes. You'll find it's a lot more than those
> >that aren't so "filthy".
> >
> >
> >
> Total or percentage of income?

Yes.

--
Keith

==============================================================================
TOPIC: 401K - administrator holds contributions for 7 days before investing
them
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/888b961bb237d482?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Mar 20 2008 5:32 pm
From: "Stormin Mormon"

How the heck would we know? Call an attorney. And an attorney is not likely
to post to this list.

--
Christopher A. Young
Learn more about Jesus

www.lds.org
.

"mehlREMOVETHIS@cyvest.com" <mehl@cyvest.com> wrote in message
news:e05c857c-4aa3-400b-8795-73a8fc0f4d62@h11g2000prf.googlegroups.com...
Hello --

Paychex administers my employer's 401K plan with Fidelity.

Paychex does not invest my twice-monthly paycheck contribution to the
plan until 7 days after the paycheck date.

That is a long time for my funds to not be invested. Contributions to
my former plan, administered by ING were invested on the same day the
paycheck was issued.

Is it legal for an administrator to hold funds that long?

I could not think of another group in which to post this question, and
will appreciate any response, or information about other resources or
names of more appropriate groups in which to post..

Thanks in advance for any help.

Larry Mehl

== 2 of 2 ==
Date: Thurs, Mar 20 2008 7:06 pm
From: Snowbound

In article <nu6dnWpqeZYx2n_anZ2dnUVZ_hSdnZ2d@giganews.com>,
Just A User <ken@up-yours-spammer.net> wrote:

> well it's just about impossible for money to "triple" in just three
> weeks. The financial markets don't really work like that.

Really? Well, I guess-- given your concern about your own money you set
aside to nurture you in your senescence-- you would know how money
grows.

Still I can't help but notice that you did not answer the question. BTW,
did you know that any small investor who placed a market order for Bear
Sterns (BSC) stock last Sunday night (when it was $30/share) nearly
tripled their money by Tuesday afternoon (purchased stock @ $2.86/share
@ market open on Monday morning and sold on Tuesday for ~ $8/share)?
Less $20 in brokerage fees, of course.

Of course, if a person doesn't really care where his money was while BSC
stock tripled, well, that's okay. After all, "financial markets don't
really work like that." More meat for me.

Just imagine what JP Morgan made on the deal. You know, like the people
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== 1 of 1 ==
Date: Thurs, Mar 20 2008 5:37 pm
From: "Stormin Mormon"

That's profound.

--
Christopher A. Young
Learn more about Jesus

www.lds.org
.

<ranck@vt.edu> wrote in message news:frrlb6$5ab$1@solaris.cc.vt.edu...

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.

Bill Ranck
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== 1 of 1 ==
Date: Thurs, Mar 20 2008 6:51 pm
From: "Lou"

"somebody" <some@body.com> wrote in message
news:hoydnXfmXYZ9FX3anZ2dnUVZ_hninZ2d@comcast.com...
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> 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?

It sounds like you're itching to buy a new car and will "justify" doing so
with any straw you can clutch out of the wind.

There's no added hassle in completely paying off your present car - you just
mail in your monthly payment as usual. If you're planning on buying the new
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Same for the title - when the car is paid off, you get a piece of paper in
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If you want a new car, and can afford it - hey, it's your money, you don't
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== 1 of 1 ==
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Jaeger LeCoultre Reverso Grande Taille Quartz Steel Mens Watch
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Jaeger LeCoultre Reverso Grande Taille Mechanical Stainless Steel Mens
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Jaeger LeCoultre Reverso Grande Taille Quartz Steel Mens Watch
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Jaeger LeCoultre Master Control Reserve de Marche Platinum Blue Mens
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==============================================================================
TOPIC: Jaeger LeCoultre Reverso Duo 18kt White Gold Mens Watch 272.34.40
Replica
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/137da5de2b621702?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 7:00 pm
From: sales032@aaa-replica-watch.com

Jaeger LeCoultre Reverso Duo 18kt White Gold Mens Watch 272.34.40
Replica, Fake, Cheap, AAA Replica watch

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Information :

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watch.com/Replica_Jaeger_LeCoultre.html )
Gender : Mens
Model : Jaeger-LeCoultre-272.34.40
Case Material : 18kt White Gold
Case Diameter : 272.34.40, Q272.34.40, 272-34-40, 2723440, Jaeger-
LeCoultre-272.34.40
Dial Color : Reversible Black and Silver
Bezel : Fixed
Movement : Manual Winding
Clasp : Brown Leather
Water Resistant : 30m/100ft
Crystal : Scratch Resistant Sapphire
Our Price : $ 218.00

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deployant clasp. Scratch resistant sapphire crystal. Manual winding
movement. Case size 26mm x 42mm. Case thickness 9.5mm. Water resistant
at 30 meters (100 feet). Alternate model number Q2723440. Jaeger
LeCoultre Reverso Duo 18kt White Gold Mens Watch 272.34.40 Brand
Jaeger LeCoultreSeries Jaeger LeCoultreGender MensCase Material 18kt
White GoldCase Thickness 9.5mmCase Diameter 26mm x 42mmDial Color
Reversible Black and SilverBezel FixedMovement Manual WindingClasp
DeploymentBracelet Brown LeatherWater Resistant 30m/100ftCrystal
Scratch Resistant SapphireWarranty 5 Year Original Manufacturer
WarrantyItem Variations 272.34.40, Q272.34.40, 272-34-40, 2723440,
Jaeger-LeCoultre-272.34.40Additional Information Small Seconds Subdial
at 6 O'clock Position; 24 Hour Day/Night Indicator; Alternate Model
Number Q2723440The early Jaeger-LeCoultre watch movements were
constructed by hand, and required approximately 1000 steps of manual
dexterity. The Jaeger-LeCoultre watchmakers of today still adjust
their watches by hand, as this traditional, labor-intensive method has
proven to enhance timekeeping accuracy. In the 1930s, the Art deco
movement greatly affected the Jaeger-LeCoultre watch product line; as
the company believed that the beauty of the watch appearance should be
a representation of the sophistication of the watch movement embedded
within. Today, the Jaeger-LeCoultre watches are constructed with these
same design principals, making the Jaeger-LeCoultre watches wearable,
functional works of modern art. Haob2b.com is proud to offer
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dealer of quality waches including Jaeger LeCoultre Reverso Duo 18kt
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will be exact watch you ordered. Each watch sold enjoy one year
Warranty for free repair. Every order from aaa-replica-watches is
shipped via EMS, the customer is responsible for the shipping fee on
the first order, but since the second watch you buy from our site, the
shipping cost is free. Please note that If the total amount of payment
is over $600(USD), the customer is required to contact our customer
service before sending the money in case failed payment. If you have
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us by service@aaa-replica-watch.com.

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Jaeger LeCoultre Reverso Grande Taille Mechanical 18kt Yellow Gold
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Jaeger LeCoultre Reverso Grande Taille Mechanical 18kt Yellow Gold
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Jaeger LeCoultre Reverso Grande Taille Mechanical 18kt Yellow Gold and
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Jaeger LeCoultre Reverso Grande Taille Quartz Steel Mens Watch
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==============================================================================
TOPIC: Jaeger LeCoultre Reverso Grande Date 18kt Rose Gold Mens Watch 273.24.2
A Replica
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f00e72977fd877d?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 7:00 pm
From: sales032@aaa-replica-watch.com

Jaeger LeCoultre Reverso Grande Date 18kt Rose Gold Mens Watch
273.24.2A Replica, Fake, Cheap, AAA Replica watch

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Gender : Mens
Model : Jaeger-LeCoultre-273.24.2A
Case Material : 18kt Rose Gold
Case Diameter : 273.24.2A, Q273.24.2A, 273-24-2A, 273242A, Jaeger-
LeCoultre-273.24.2A
Dial Color : Silver And White
Bezel : Fixed
Movement : Manual Winding
Clasp : Black Leather
Water Resistant : 30m/100ft
Crystal : Scratch Resistant Sapphire
Our Price : $ 225.00

Availability: Contact Us For Availability Need Assistance? Call us at
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winding movement. Water resistant at 30 meters (100 feet). Alternate
model number Q273242A. Jaeger LeCoultre Reverso Grande Date 18kt Rose
Gold Mens Watch 273.24.2A Brand Jaeger LeCoultreSeries Jaeger
LeCoultreGender MensCase Material 18kt Rose GoldCase Thickness
9.5mmCase Diameter 26mm x 42mmDial Color Silver And WhiteBezel
FixedMovement Manual WindingClasp DeploymentBracelet Black
LeatherWater Resistant 30m/100ftCrystal Scratch Resistant
SapphireWarranty 5 Year Original Manufacturer WarrantyItem Variations
273.24.2A, Q273.24.2A, 273-24-2A, 273242A, Jaeger-
LeCoultre-273.24.2AAdditional Information Hand with Red Arrow Points
to Date; Day Indicator in Upper Left Corner; Small Seconds Subdial;
Reverse Side in 18kt Rose Gold; Alternate Model NumberThe early Jaeger-
LeCoultre watch movements were constructed by hand, and required
approximately 1000 steps of manual dexterity. The Jaeger-LeCoultre
watchmakers of today still adjust their watches by hand, as this
traditional, labor-intensive method has proven to enhance timekeeping
accuracy. In the 1930s, the Art deco movement greatly affected the
Jaeger-LeCoultre watch product line; as the company believed that the
beauty of the watch appearance should be a representation of the
sophistication of the watch movement embedded within. Today, the
Jaeger-LeCoultre watches are constructed with these same design
principals, making the Jaeger-LeCoultre watches wearable, functional
works of modern art. Haob2b.com is proud to offer discounted Jaeger-
LeCoultre watches, featuring Master Compressor, Amvox, Grande
Complication, Ideale, Reverso, Master Control, and more Jaeger-
LeCoultre watch series.Jaeger LeCoultre Reverso Grande Date 18kt Rose
Gold Mens Watch 273.24.2A is brand new, join thousands of satisfied
customers and buy your Jaeger LeCoultre Reverso Grande Date 18kt Rose
Gold Mens Watch 273.24.2A with total satisfaction . A Haob2b.com 30
Day Money Back Guarantee is included with every Jaeger LeCoultre
Reverso Grande Date 18kt Rose Gold Mens Watch 273.24.2A for secure,
risk-free online shopping. Haob2b.com does not charge sales tax for
the Jaeger LeCoultre Reverso Grande Date 18kt Rose Gold Mens Watch
273.24.2A, unless shipped within New York State. Haob2b.com is rated 5
stars on the Yahoo! network.

Jaeger LeCoultre Reverso Grande Date 18kt Rose Gold Mens Watch
273.24.2A Replica, With the mix of finest craftsmanship and
contemporary styling, not only does it reflect the time but also care
you put into looking good. choose one to promote your quality and make
yourself impressive among people

Thank you for choosing www.aaa-replica-watch.com as your reliable
dealer of quality waches including Jaeger LeCoultre Reverso Grande
Date 18kt Rose Gold Mens Watch 273.24.2A . we guarantee every watch
you receive will be exact watch you ordered. Each watch sold enjoy one
year Warranty for free repair. Every order from aaa-replica-watches is
shipped via EMS, the customer is responsible for the shipping fee on
the first order, but since the second watch you buy from our site, the
shipping cost is free. Please note that If the total amount of payment
is over $600(USD), the customer is required to contact our customer
service before sending the money in case failed payment. If you have
any other questions please check our other pages or feel free to email
us by service@aaa-replica-watch.com.

The Same Jaeger LeCoultre Watches Series :

Jaeger LeCoultre Reverso Grande Date 18kt Yellow Gold Mens Watch
300.14.20 :
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Jaeger LeCoultre Reverso Grande Date Steel Mens Watch 300.81.20 :
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Jaeger LeCoultre Reverso Grande Date 18kt White Gold Mens Watch
274.34.7A :
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Jaeger LeCoultre Reverso Grande Date 18kt White Gold Mens Watch
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Jaeger LeCoultre Reverso Grande Date GMT Stainless Steel Mens Watch
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Jaeger LeCoultre Reverso Grande Automatique Stainless Steel Mens Watch
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18k Rose Gold Jaeger LeCoultre Reverso Grand Automatique Steel Mens
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Jaeger LeCoultre Reverso Grande Automatique Steel Mens Watch
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Jaeger LeCoultre Reverso Grande Reserve Stainless Steel Mens Watch
301.84.20 :
http://www.aaa-replica-watch.com/jaeger_le_coultre_grand_reserve_3018420.html

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

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

22 new messages in 11 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

== 1 of 5 ==
Date: Thurs, Mar 20 2008 6:24 am
From: clams_casino

Bill Bowden wrote:

>On Mar 18, 9:16 am, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
>
>
>>Bill Bowden wrote:
>>
>>
>>
>>>Actually, lower income Americans don't pay any taxes
>>>
>>>
>>Hmm - how does one get to avoid FICA, sales, excise & property taxes?
>>
>>Neat trick. Care to share?
>>
>>
>
>Sure. First, you avoid FICA tax by not working for wages. Second, you
>avoid sales tax by buying most everything at swap meets and garage
>sales. Third, you avoid property tax by owning (real estate investment
>trusts) REITS in the stock market which has no property tax. And
>fourth, you reduce all taxes by owning an S-corporation that never
>makes a profit, but has lots of expenses.
>
>-Bill
>
>

All tricks widely used by the "lower income" groups who "pay no taxes"?

Never realized the lower income groups were so savvy.

== 2 of 5 ==
Date: Thurs, Mar 20 2008 12:29 pm
From: JonL

AllEmailDeletedImmediately wrote:
> From: xxxxxxx@comcast.net (gina)
> To:
>
> This is true. I have a friend in my writer's group from Canada and the last
> time she was
> here in Nashua we had lunch and this was a topic we discussed.

Doesn't sound like a transcript of a discussion, more like a written
letter. I notice she had no personal negative experiences. Seems to
me, Canadians posting here in the past were generally quite satisfied
with their system.

If it were me, think I'd snoop in some Canadian forums, such as:

http://www.healthpost.ca/

http://www.healthtalk.ca,

old, but might be interesting
http://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html

== 3 of 5 ==
Date: Thurs, Mar 20 2008 1:23 pm
From: James

On Mar 20, 3:29 pm, JonL <J...@Mayday.com> wrote:
> AllEmailDeletedImmediately wrote:
> > From: xxxx...@comcast.net (gina)
> > To:
>
> > This is true. I have a friend in my writer's group from Canada and the last
> > time she was
> > here in Nashua we had lunch and this was a topic we discussed.
>
> Doesn't sound like a transcript of a discussion, more like a written
> letter. I notice she had no personal negative experiences. Seems to
> me, Canadians posting here in the past were generally quite satisfied
> with their system.
>
> If it were me, think I'd snoop in some Canadian forums, such as:
>
> http://www.healthpost.ca/
>
> http://www.healthtalk.ca,
>
> old, but might be interestinghttp://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html

If I were paranoid I'd look to see if this existing back in the days
of Hillary's first healthcare proposals when Bill was president.

There was an ochestrated campaign to smear Canadian Healthcare then ,
paid for by the US health insurance industry.

I'm not satisfied with everything in our system, there is room for
improvement in many areas. But at least my care is determined by a
doctor of my choosing, not a bean counter whose mandate is to cut
costs.

James

== 4 of 5 ==
Date: Thurs, Mar 20 2008 2:07 pm
From: "Rod Speed"

James <jlinn@idirect.com> wrote:
> On Mar 20, 3:29 pm, JonL <J...@Mayday.com> wrote:
>> AllEmailDeletedImmediately wrote:
>>> From: xxxx...@comcast.net (gina)
>>> To:
>>
>>> This is true. I have a friend in my writer's group from Canada and
>>> the last time she was
>>> here in Nashua we had lunch and this was a topic we discussed.
>>
>> Doesn't sound like a transcript of a discussion, more like a written
>> letter. I notice she had no personal negative experiences. Seems to
>> me, Canadians posting here in the past were generally quite satisfied
>> with their system.
>>
>> If it were me, think I'd snoop in some Canadian forums, such as:
>>
>> http://www.healthpost.ca/
>>
>> http://www.healthtalk.ca,
>>
>> old, but might be
>> interestinghttp://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html
>
> If I were paranoid I'd look to see if this existing back in the days
> of Hillary's first healthcare proposals when Bill was president.
>
> There was an ochestrated campaign to smear Canadian Healthcare then ,
> paid for by the US health insurance industry.

> I'm not satisfied with everything in our system, there is room for
> improvement in many areas. But at least my care is determined by a
> doctor of my choosing, not a bean counter whose mandate is to cut costs.

Thats just plain wrong with your health insurance.

== 5 of 5 ==
Date: Thurs, Mar 20 2008 2:42 pm
From: JonL

JonL wrote:
> AllEmailDeletedImmediately wrote:
>> From: xxxxxxx@comcast.net (gina)
>> To:
>>
>> This is true. I have a friend in my writer's group from Canada and
>> the last time she was
>> here in Nashua we had lunch and this was a topic we discussed.
>
> Doesn't sound like a transcript of a discussion, more like a written
> letter. I notice she had no personal negative experiences. Seems to
> me, Canadians posting here in the past were generally quite satisfied
> with their system.
>
> If it were me, think I'd snoop in some Canadian forums, such as:
>
> http://www.healthpost.ca/
>
> http://www.healthtalk.ca,
>
> old, but might be interesting
> http://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html
>
>
>
>
>
>
>
>
>

== 1 of 4 ==
Date: Thurs, Mar 20 2008 6:28 am
From: clams_casino

timeOday wrote:

>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?
>
>

Makes little sense to have one steak and pay for it for the rest of your
life.

It amuses me when college kids (and others) use their credit cards to
eat out & then pay interest on that debt for 10-20 years.

Banks love it.

== 2 of 4 ==
Date: Thurs, Mar 20 2008 11:34 am
From: Seerialmom

On Mar 20, 6:28 am, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
> timeOday wrote:
> >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?
>
> Makes little sense to have one steak and pay for it for the rest of your
> life.
>
> It amuses me when college kids (and others) use their credit cards to
> eat out & then pay interest on that debt for 10-20 years.
>
> Banks love it.- Hide quoted text -
>
> - Show quoted text -

That's one of the reasons the company that owns one of my cards keeps
calling to ask if anything is wrong (or why I'm not buying anything).
I'm being very atypical by not having a balance on anything but my
mortgage right now. Sometimes buy something on a card and almost
immediately pay it off online to show I still "use" it. But I was one
of those college kids once upon a time; didn't equate the "have it
now" with "owe forever".

== 3 of 4 ==
Date: Thurs, Mar 20 2008 11:39 am
From: Seerialmom

On Mar 19, 5:03 pm, George Grapman <sfgeo...@paccbell.net> wrote:
> 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.

A man after my own heart! I've often bought used vehicles for $1200
or under, drive for 2-4 years....and then turn around and sell for the
same price. And none needed major work. Made me crazy when my
daughter and her bf wanted to dump the perfectly fine running 92 Camry
I found them for $500 (and it was the "luxury" model with moon roof,
etc) to buy a "new" Dodge Charger.

== 4 of 4 ==
Date: Thurs, Mar 20 2008 2:00 pm
From: James

On Mar 20, 2:39 pm, Seerialmom <seerial...@yahoo.com> wrote:
> On Mar 19, 5:03 pm, George Grapman <sfgeo...@paccbell.net> wrote:
>
>
>
>
>
> > 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.
>
> A man after my own heart! I've often bought used vehicles for $1200
> or under, drive for 2-4 years....and then turn around and sell for the
> same price. And none needed major work. Made me crazy when my
> daughter and her bf wanted to dump the perfectly fine running 92 Camry
> I found them for $500 (and it was the "luxury" model with moon roof,
> etc) to buy a "new" Dodge Charger.- Hide quoted text -

I've had good luck and bad. Some cars manage to pass an independent
mechanics inspection and still need major work 6 months later.

I bought a three year old Chrysler Intrepid after having it inspecting
and having reviewed all the maintenance records, and it was a
disaster.

I ditched it when it needed another $1200 of repairs, and the tranny,
which I had already replaced once, was ready to go again.

My current vehicle, a Mazda MPV runs as well as the day I bought it 3
years ago, and other than one tranny flush and fill(not on scheduled
maintenance), I've only replaced lightbulbs, air filters etc. And it
was 3 years old when I bought it. I will easily get another 4 years
more if the body holds out.

James

==============================================================================
TOPIC: you want like me
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/322612690172bd3e?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 6:44 am
From: rajupriya74@gmail.com

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== 1 of 1 ==
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TOPIC: Subprime Crisis 2005 - 2014
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==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 8:24 am
From: Klaudio Zic

First published by Klaudio Zic Publications, 2008, www.lulu.com/astrology.
Copyright (c) 2008 By Klaudio Zic. All Rights Reserved. No part of this
material may be reproduced or transmitted in any form or by any means,
electronic or otherwise, for commercial purposes or otherwise, without
the written permission of the author, except when permitted by law.

SUBPRIME MORTGAGE CRISIS

APOCALYPTIC PREDICTIONS

Albeit catastrophic, our predictions as based on the zodiacal
constellations of Cetus and Hydra receive their update through the
current subprime mortgage crisis.

WATER WARS

Underwater domains and water resources will become a primary focus and
currency in the new world that we are facing already tomorrow.

CRISIS PEAKS

The peaks of the current crisis have been studied and displayed
through a variety of diagrams ranging from 2002 AW197 perturbations to
the sword of Damocles. The years 2005 to 2012 have been covered in
detail. The present primary focus of the crisis is still the entrance
of 2002 AW197 and Venus in Hydra in the year 2007. The peaks are
accurately enlisted for the year 2007 through 2010 in the current
update, with portents covering 2005 through Mayan 2011 and the Vatican
crisis in the year 2014.

Klaudio Zic

Redistribution of this file in any form is violation of the Copyright
Law.

This copyrighted material has been previously published as available
from http://www.lulu.com/astrology

Transmitted in any form or by any means, electronic or otherwise, for
commercial purposes or otherwise,

without the written permission of the author, except when permitted by
law.

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

== 1 of 1 ==
Date: Thurs, Mar 20 2008 10:00 am
From: Cindy Hamilton

On Mar 19, 2:47 pm, Jeff <jeff@spam_me_not.com> wrote:
> Cindy Hamilton wrote:
> > On Mar 19, 11:54 am, Jeff <jeff@spam_me_not.com> wrote:
> >> P.O.W. wrote:
> >>> In article
> >>> <c100f473-7d77-4156-b148-dc699521d...@e23g2000prf.googlegroups.com>,
> >>> Seerialmom <seerial...@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
>
> > Thank you all for your very kind remarks and recommendations.
>
> > However, I am not going to rip up my interior walls because:
> > I don't want to perform the work; I have other projects lined up.
> > I don't want to live with the mess.
> > I don't want to do anything that would affect the lovely cove
> > ceiling in
> > my living room.
>
> Well, I hope don't think we were pushing you to do any of those!
>
>
>
> > I will keep my high-efficiency forced air furnace (rather than
> > switching
> > to radiant). It is only 5 years old.
>
> Forced air is common and radiant can be hard to retrofit. Few people
> retrofit radiant without a very good reason.
>
>
>
> > I will turn my attention to installing a proper HVAC system in my
> > husband's
> > workshop, which is currently being heated by portable electric
> > heaters.
> > That has cost a ton of money the last two winters.
>
> Adding insulation there might help if this is unfinished. There are
> insulation sheets (4' x 8') made of polyisocyanurate, usually with a
> foil cover. The polyiso has the advantage here of being flame retardant
> as well as being a green product. Cheap to boot.

Well, when we built it with our own four hands, we built it with 2x6
studs and had it insulated with NuWool. It's tighter and
better insulated than most houses hereabouts.

It has always been our plan to put in a proper HVAC system; we've
been dithering for two years trying to find someone with an HVAC
license who will let us do some of the work. You can't buy a furnace
around here without a license. We've finally lined up a semi-retired
HVAC guy and the system goes in next month.

Cindy Hamilton

== 1 of 2 ==
Date: Thurs, Mar 20 2008 12:10 pm
From: JonL

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.

Don't take the laptop to work, or try it from outside, in your car.

I get mine free at home from the flower shop on the corner, with the
help of a small dish antenna.

== 2 of 2 ==
Date: Thurs, Mar 20 2008 2:42 pm
From: JonL

JonL wrote:
> 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.
>
> Don't take the laptop to work, or try it from outside, in your car.
>
> I get mine free at home from the flower shop on the corner, with the
> help of a small dish antenna.
>

== 1 of 2 ==
Date: Thurs, Mar 20 2008 12:33 pm
From: JonL

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
>
> Instead of a histamine pill..... was wondering if any
> kind of over counter nose spray is available as it
> wouldn't be "systemic".

http://www.sinucleanse.com/

== 2 of 2 ==
Date: Thurs, Mar 20 2008 2:42 pm
From: JonL

JonL 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
>>
>> Instead of a histamine pill..... was wondering if any
>> kind of over counter nose spray is available as it
>> wouldn't be "systemic".
>
>
>
>
> http://www.sinucleanse.com/
>

== 1 of 3 ==
Date: Thurs, Mar 20 2008 12:48 pm
From: JonL

emanuele.giolfo@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.

try alldaychemist.com

Fast service from India.

== 2 of 3 ==
Date: Thurs, Mar 20 2008 1:39 pm
From: clams_casino

JonL wrote:

> emanuele.giolfo@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.
>
>
> try alldaychemist.com
>
> Fast service from India.

Best part about buying pills on line from overseas is that there is
rarely any allergic reactions (unless one is allergic to salt).

== 3 of 3 ==
Date: Thurs, Mar 20 2008 2:43 pm
From: JonL

JonL wrote:
> emanuele.giolfo@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.
>
> try alldaychemist.com
>
> Fast service from India.
>

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