Frugal Living: Mar 25, 2008

Tuesday, March 25, 2008

25 new messages in 11 topics - digest

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25 new messages in 8 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: Water/Electric consumption
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c17fdde8e1c9a8c8?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Mar 25 2008 7:51 am
From: Dawn

On Mon, 24 Mar 2008 09:13:07 -0600, hchickpea@hotmail.com wrote:

>
>Depending on time and money, we have a lot of projects planned, one of
>which is a more efficient and safer woodburning method. Right now
>though, I'm watching the markets in horror and fascination. The
>manipulations and rescues and behind the scenes deals are engrossing,
>if you can get beyond the mainstream media news. There are drops,
>sucker rallies, backdoor Fed bailouts and new agencies, banks taking
>the low interest money from the Fed and flipping it into Euro
>investments rather than pulling down interest rates, and games that
>are so complex that you can only touch the surface of what they might
>do.

Oh Harry you are making my head swim.
Dawn, happy to garden and stay calm.

== 2 of 3 ==
Date: Tues, Mar 25 2008 8:12 am
From: Paul M. Eldridge

On Tue, 25 Mar 2008 07:49:51 -0700, Dawn <linny4@hotmail.com> wrote:

>Our house was built in 2002. So a nice tune-up/check-up is in order
>for the heatpump.
>Dawn, still procrastinating.

Hi Dawn,

You're in pretty good shape since 1) your system is relatively new, 2)
you live in a reasonably mild climate and 3) your electricity costs
are low compared to other parts of the country. Nonetheless, a
tune-up would help ensure everything is running as it should and
hopefully extend the service life of your equipment. Dirt build-up on
the inside A-coil can hurt efficiency badly, so if you have an
electronic air cleaner clean it regularly, or if you have throw-away
filters change them once a month.

Cheers,
Paul

== 3 of 3 ==
Date: Tues, Mar 25 2008 9:49 am
From: hchickpea@hotmail.com

On Tue, 25 Mar 2008 07:48:19 -0700, Dawn <linny4@hotmail.com> wrote:

>Dawn, starting to think garden and that extra water consumption.

Cheap portable swimming pool, rainwater harvesting. Plants like the
rainwater better anyway.

==============================================================================
TOPIC: BodyDiagnostics system. Kingsdown mattresses and boxsprings. Sleepy's
Cambridge the mattress professionals.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a189e18e8f63c69b?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Mar 25 2008 8:00 am
From: the zak

How do you read the horizontal gradations?... and the vertical
gradations?... of the charts' printouts from the BodyDiagnostics
system for Kingsdown http://www.kingsdown.com/whybuykd/ mattresses and
boxsprings at Sleepy's Cambridge http://sleepys.com/BodyDiagnostics
the mattress professionals next to Trader Joe's grocery store.

The horizontal and vertical gradations tick marks haven't been
labeled !

==============================================================================
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 12 ==
Date: Tues, Mar 25 2008 8:18 am
From: "AllEmailDeletedImmediately"

"Bill Bowden" <wrongaddress@att.net> wrote in message
news:1ae52fe0-a245-4fa5-bf17-5899d31eedec@e6g2000prf.googlegroups.com...
snip

And
> fourth, you reduce all taxes by owning an S-corporation that never
> makes a profit, but has lots of expenses.

and then wait for the irs to check you out. i'm pretty sure a corporation
can't just go on never making a profit without the irs wondering.

== 2 of 12 ==
Date: Tues, Mar 25 2008 8:25 am
From: "AllEmailDeletedImmediately"

"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:pa5Fj.100443$Ft5.83246@newsfe15.lga...
> aemeijers wrote:
>
>>
>> Last carpet layer I hired (to do some patch work) had is own truck and
>> tools, and did installs for a big-box during the days. My work, he did
>> after supper, and I paid in cash. He did such a good fast job I had him
>> back two weeks later to do a bathroom floor revinyl.
>>
>> --
>> aem sends...
>
>
>
> The real (tax) advantage of being a small business...........

i'm reading in several tax publications i get that the irs is gearing up to
really go after those small businesses as they realize that they underreport
income and overreport deductions and it's a huge drain. be especially
careful if your business hires independent contractors since many are really
employees and the irs is fixing to take care of that.

== 3 of 12 ==
Date: Tues, Mar 25 2008 8:32 am
From: "AllEmailDeletedImmediately"

"JonL" <JonL@Mayday.com> wrote in message
news:47E2BB0B.1040908@Mayday.com...
> 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

thanks, will do.

== 4 of 12 ==
Date: Tues, Mar 25 2008 8:33 am
From: "AllEmailDeletedImmediately"

"krw" <krw@att.bizzzzzzzzzz> wrote in message
news:MPG.224ccff2e577f4609899b2@news.individual.net...
> 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".

i'm pretty sure teddy kennedy has stated that he pays no taxes.

== 5 of 12 ==
Date: Tues, Mar 25 2008 8:35 am
From: "AllEmailDeletedImmediately"

"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:S1YEj.12826$KJ1.8641@newsfe19.lga...
snip
> If you haven't figured it out yet, the sweet spot in the US is at about
> 100-150k when you factor in all taxes & government subsidies (medical,
> housing, etc) .

until that amt kicks in. they won't keep patching forever.

== 6 of 12 ==
Date: Tues, Mar 25 2008 8:38 am
From: Anthony Matonak

AllEmailDeletedImmediately wrote:
> "Bill Bowden" <wrongaddress@att.net> wrote in message
> And
>> fourth, you reduce all taxes by owning an S-corporation that never
>> makes a profit, but has lots of expenses.
>
> and then wait for the irs to check you out. i'm pretty sure a corporation
> can't just go on never making a profit without the irs wondering.

It wouldn't be unusual for a non-profit. :)

Anthony

== 7 of 12 ==
Date: Tues, Mar 25 2008 8:45 am
From: "AllEmailDeletedImmediately"

"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:KLTEj.56788$y05.5798@newsfe22.lga...
>h wrote:
>
snip

>>The problem is that my income is 100% business profit. I don't have an
>>employer to pay the 7.5% to SS, so I pay the full 15% myself. I've had a
>>CPA do my taxes for years, and he's saved me tons, and of course I
>>itemize. A few years ago I took my taxes to H&R Block to see if they could
>>beat my tax guy, and they missed lots of deductions. I would have been
>>paying at least an extra $500 if I used them. The real problem is I live
>>in NY, and our property/school taxes go up 15-20% a year. Also, since my
>>mortgage is nearly paid off and my rate is low, my interest deduction
>>amounts to very little.
>>
>>
> It appears you are including your SS taxes in that $5k of "Federal Income
> Taxes".

and why shouldn't he? the us.s supreme court has held that fica payments
ARE NOT
insurance payments of any kind and therefore you ARE NOT entitled to ss
checks.
fica payments are nothing more than A TAX ON INCOME. we're just lied to
and
led to believe differently.
>
> If so, you are actually paying 15% FICA ($3750) & 5% Federal Income
> ($1250) on your taxable profit (assuming you have declared all your
> income) - not your gross income as claimed.
>
> Nevertheless, you do likely pay a higher percentage of your income in
> taxes than typically for the "wealthy".

== 8 of 12 ==
Date: Tues, Mar 25 2008 8:48 am
From: "AllEmailDeletedImmediately"

"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:9tVEj.56796$y05.24899@newsfe22.lga...
>h wrote:
>
>>
>>
>>Between the Feds, State, Property, and School, it's over 40% of my gross
>>income. It makes buying health insurance impossible, and contributing to
>>my retirement account extremely difficult. If I can deposit $1,000 a year
>>I consider myself fortunate. Good thing I'm frugal!
>>
>>
> Subsidized health care is another significant advantage the higher income
> workers tend to enjoy. It's typically $12-15k / year in tax free benefits
> (essentially welfare for the wealthy) which significantly distorts the
> percent taxes paid by the upper income earners..
> Typically the lower income groups must purchase theirs pretax..

and let's not forget the 401k. that money is deducted from federal taxable
wages and some state taxable wages. usually matched in some way by the
employer, and that money isn't federal taxable either. lower income people
can't afford to put much in those accts.
>

== 9 of 12 ==
Date: Tues, Mar 25 2008 8:53 am
From: "AllEmailDeletedImmediately"

<mirage_35@msn.com> wrote in message
news:51622c6a-4c0d-4358-8950-495686d2d166@n58g2000hsf.googlegroups.com...
snip

> Sometimes I wonder when will they start taxing us to use the sidewalk!

here where i live, i have to repair the public sidewalk that runs in front
of my house. so i guess i do sorta get charged to use the sidewalk :)
that means i have to pay so that everyone else can walk on it :)

== 10 of 12 ==
Date: Tues, Mar 25 2008 8:57 am
From: "AllEmailDeletedImmediately"

<mirage_35@msn.com> wrote in message
news:51622c6a-4c0d-4358-8950-495686d2d166@n58g2000hsf.googlegroups.com...
> On 16 Mar, 17:36, "Rod Speed" <rod.speed....@gmail.com> wrote:
>> AllEmailDeletedImmediately <der...@hotmail.com> wrote:
>> > From: xxxx...@comcast.net (gina)
>> > To:

don't worry mirage. soon you'll be joining the u.s. and mexico in the
north american union. you're getting a new currency, the amero. we'll
take your natural resources and water and mexico's cheap labor. we are
making agreements to swap armies to quell the ensuing mass rioting. all 3
govts are currently in cahoots to get this done. be afraid; be very afraid
:(

== 11 of 12 ==
Date: Tues, Mar 25 2008 9:27 am
From:
------------------------------------------------------------------------------

"Anthony Matonak" <anthonym40@nothing.like.socal.rr.com> wrote in message
news:47e91c85$0$24099$4c368faf@roadrunner.com...
> AllEmailDeletedImmediately wrote:
>> "Bill Bowden" <wrongaddress@att.net> wrote in message And
>>> fourth, you reduce all taxes by owning an S-corporation that never
>>> makes a profit, but has lots of expenses.
>>
>> and then wait for the irs to check you out. i'm pretty sure a
>> corporation can't just go on never making a profit without the irs
>> wondering.
>
> It wouldn't be unusual for a non-profit. :)
>

If you declare a business loss for 3 years in a row, the IRS will declare it
a "hobby" in year 4, and you can no longer deduct your expenses. I know
someone who changes her business name every 3 years so she can always take a
business loss. Eventually this will catch up with her, but she doesn't seem
to care. She actually brags about it and thinks I'm an "idiot" for not doing
the same thing.

== 12 of 12 ==
Date: Tues, Mar 25 2008 10:10 am
From: "AllEmailDeletedImmediately"

<h> wrote in message news:47e926c2$0$16667$4c368faf@roadrunner.com...
>
> "Anthony Matonak" <anthonym40@nothing.like.socal.rr.com> wrote in message
> news:47e91c85$0$24099$4c368faf@roadrunner.com...
>> AllEmailDeletedImmediately wrote:
>>> "Bill Bowden" <wrongaddress@att.net> wrote in message And
>>>> fourth, you reduce all taxes by owning an S-corporation that never
>>>> makes a profit, but has lots of expenses.
>>>
>>> and then wait for the irs to check you out. i'm pretty sure a
>>> corporation can't just go on never making a profit without the irs
>>> wondering.
>>
>> It wouldn't be unusual for a non-profit. :)
>>
>
> If you declare a business loss for 3 years in a row, the IRS will declare
> it a "hobby" in year 4, and you can no longer deduct your expenses. I know
> someone who changes her business name every 3 years so she can always take
> a business loss. Eventually this will catch up with her, but she doesn't
> seem to care. She actually brags about it and thinks I'm an "idiot" for
> not doing the same thing.

i knew that worked that way for real estate, but i wasn't sure about a
business. it'll be easier to catch her now that the irs things are
getting more and more collated. but maybe she's within legal rights. is
there a law against changing your business name?

==============================================================================
TOPIC: Make Money Online....
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3b1fd8910703deed?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Mar 25 2008 8:48 am
From: Ramya

Make Money Online....

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Visit : http://mmeazy.blogspot.com

==============================================================================
TOPIC: how to bring down the price of gas.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/315edd6257d33731?hl=en
==============================================================================

== 1 of 4 ==
Date: Tues, Mar 25 2008 9:07 am
From: "AllEmailDeletedImmediately"

"Derald" <derald@invalid.net> wrote in message
news:13ufa6s23nu3k75@corp.supernews.com...
> max <betatron@earthlink.net> wrote:
>
>>loundeye amelican molon dort.
> my thoughts, exactly

benny hill?

== 2 of 4 ==
Date: Tues, Mar 25 2008 9:10 am
From: "AllEmailDeletedImmediately"

"Paul M. Eldridge" <paul.eldridge@ns.sympatico.ca> wrote in message
news:anthu3po1pnibfudgiq2pl58fps0hk8boo@4ax.com...
> On 25 Mar 2008 10:56:10 GMT, mustangsally <mustangsally@nym.hush.com>
> wrote:
>
>>good god you must be the dumbest person on the planet.
>>
>>REDUCE YOUR CONSUMPTION. it is what it is.

we just bought 2 bicycles. figured we'd get 'em before the rush :)
dh plans to ride 6 miles to work. now if i can just find a safe
way for him to do that.......

== 3 of 4 ==
Date: Tues, Mar 25 2008 9:23 am
From: Paul M. Eldridge

On Tue, 25 Mar 2008 16:10:44 GMT, "AllEmailDeletedImmediately"
<derjda@hotmail.com> wrote:

>we just bought 2 bicycles. figured we'd get 'em before the rush :)
>dh plans to ride 6 miles to work. now if i can just find a safe
>way for him to do that.......

Good thinking! There are some roadways I wouldn't go near and even on
quieter streets you can be taking your life into your hands. I take
it car pooling or public transit isn't a viable option?

Cheers,
Paul

== 4 of 4 ==
Date: Tues, Mar 25 2008 10:06 am
From: "AllEmailDeletedImmediately"

"Paul M. Eldridge" <paul.eldridge@ns.sympatico.ca> wrote in message
news:gf9iu3960hatlo7ud2ri8qv1aun94eobom@4ax.com...
> On Tue, 25 Mar 2008 16:10:44 GMT, "AllEmailDeletedImmediately"
> <derjda@hotmail.com> wrote:
>
>>we just bought 2 bicycles. figured we'd get 'em before the rush :)
>>dh plans to ride 6 miles to work. now if i can just find a safe
>>way for him to do that.......
>
> Good thinking! There are some roadways I wouldn't go near and even on
> quieter streets you can be taking your life into your hands. I take
> it car pooling or public transit isn't a viable option?
>
there's public transport, but his hours can change up any time, so neither
are viable. it wouldn't be unusual for me to get a call this afternoon
with: "you're not gonna believe it"..... good thing we like soups, which
reheat easily.

==============================================================================
TOPIC: you ask and quran answer
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6628ac9f4b1517ee?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Mar 25 2008 9:48 am
From: "AllEmailDeletedImmediately"

"Stormin Mormon" <cayoung61**spamblock##@hotmail.com> wrote in message
news:47e3b2b7$0$17370$4c368faf@roadrunner.com...
> Date: Thursday, January 10, 2008 9:43 AM
>
> Who is the creator?
> Jesus.

Who is Allah?

a pagan moon god, hence the crescent moon on everything. dh of allat.

> A pretender. Jealous of the power of Christ.

> 3) Did you think that Allah created you only for play and without any
> purpose?
>
> No, he created people to wage war and behead others.

(:-O)

> 10) Who should we worship?
>
> Depends, if you want everlasting life, or 72 virginians.
>
(:-O)

> Well, Jesus is holy and pure. Allah is a man.

no, allah is a pagan moon god, hence the crescent moon on everything. dh
of allat.
you're thinking of mohammad/ed/id/whatever, a descendent of the bastard
spawn of abraham. not that it was mo's fault.

> 21) What did Allah say about Mary?

well, catholic rosary beads were taken from the moslem worry beads.
constantinople was the seat of one the popes in the past -- i think there
were 3 at a time until the rome pope became all-powerful. now instead of
worrying, they can do 10 hail marys and 1 our father. a little strange to
give mary 10 times the attention as God, unless of course the our father is
the pope or they worship mary ten times more. i think they may have also
gotten her being born sinless from islam. and maybe her perpetual
virginity, as well. wonder if there's any more connections between the 2.

> "You got any good looking daughters, sweet cheeks?"
>
> 28) How could you save yourself from a painful torment?
>
> Follow Christ. Repent, and follow the teachings of Christ.
>
> 29) Whosoever puts his trust in Allah , what will happen to him?
>
> Lake of fire.
>
> 30) What is the destination of the disbelievers?
>
> Cast out, where there shall be much weeping. Hmm. Oh, you mean
> disbelievers
> of Allah? Well, most of them will be just fine.
>
no, most of them WILL NOT be fine. even when end time mass destruction
comes, the majority will still not bend their knee. too haughty and
arrogant, having given their minds over to lucifer.

> 31) What is the destination of the believers?
>
> Cast out from the presence of Jesus and God (Elohim).
>
> 32) How could you be happy?
>
> Serving Christ.

== 2 of 2 ==
Date: Tues, Mar 25 2008 9:49 am
From: "AllEmailDeletedImmediately"

"max" <betatron@earthlink.net> wrote in message
news:betatron-DBD6CE.08280921032008@news.ftupet.com...
> Normally, posts of this nature come from alt.white-power or anonymous
> trolls. You, however are a regular.
>
> Your post is absolutely unacceptable.
>
> You are an intolerant religious bigot and you befoul your chosen faith
> by posting such garbage under your username.
>
> I have long thought you were a little bit of a wingnut, now i am
> convinced that you're just a throbbing forehead shit-for-brains asshole.
>
> Kindly go fuck yourself, shut up and go away.
>
> .max

add me, too, but not mormon.

==============================================================================
TOPIC: china wholesale nike air max 87 shoes, af1+jordan4 shoes, mauri shoes,
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/431e87607fdf8065?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Mar 25 2008 10:03 am
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Tuesday, March 25, 2008

25 new messages in 11 topics - digest

25 new messages in 8 topics - digest