Frugal Living: Oct 30, 2008

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

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TOPIC: EASY MONEY 24/7. $100 to $500 per DAY at home,have payment proof
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/dd6af45b477e1479?hl=en
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== 1 of 1 ==
Date: Wed, Oct 29 2008 11:45 pm
From: ddddddddddds

EASY MONEY 24/7. $100 to $500 per DAY at home,have payment proof

http://boisp.com

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TOPIC: Federal Reserve Cuts Interest Rates, but a 'Floor' Lets Companies Keep
Credit Card Interest High
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f81570866a61e97?hl=en
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== 1 of 1 ==
Date: Thurs, Oct 30 2008 12:14 am
From: tarja.taylor@gmail.com

On Oct 27, 10:10 pm, "JonquilJan" <war...@imcnet.net> wrote:
> Lou <lpog...@hotmail.com> wrote in messagenews:ge5mfm$gm7$1@aioe.org...
>
> > "JonquilJan" <war...@imcnet.net> wrote in message
> >news:4905e877$0$7498$38cefb40@news.westelcom.com...
> > (snipped)
> > > Thanks Ron. Yes that is the information I also received on the printout
> > > from the financial advisor. I just don't understand why my CC company
> > uses
> > > that instead of Prime Rate. Well maybe I do - LIBOR is usually higher -
> > and
> > > more volitle - Prime Rate went down - and LIBOR (supposedly) went up.
>
> > Whatever's been happening recently is highly unusual, and I'd suggest both
> > not jumping to conclusions and putting the cyncism aside unless there's a
> > sound reason for it. For instance in January of this year the prime rate
> > was 6.50%, while the LIBOR 12-month rate was 3.445%. In March, the
> numbers
> > were 5.25% and 2.5133% and again, the prime was the higher of the two.
>
> > This isn't all that unusal - the prime tends to be 2.5% to 3.5% above the
> > LIBOR. Of the two, the prime tends to be more volatile - the prime lags
> > decreases in bank cost of capital but immediately reflects increases.
> > Historically, the spread between the two has been increasing, so over the
> > long term a loan based on the LIBOR will be less expensive than one based
> on
> > the prime (if the margin - the premium over the index - is the same).
> > (Source: -http://www.finaid.org/loans/prime_libor.phtml)
>
> > As to why a bank would base it's credit card rates on the LIBOR, my guess
> is
> > that the LIBOR reflects the market price for money, while the prime
> reflects
> > the Federal Reserve's Federal Funds Target Rate.
>
> > Concerning volatility, the federal funds target rate is usually reviewed
> > every six weeks, while the LIBOR is published daily. But small jiggles in
> > the daily rate don't fall into the definition of volatility in my book -
> the
> > price of every commodity fluctuates daily, even hourly, depending on a
> host
> > of factors.
>
> Well I'm totally confused now. The question came up for me when I got my
> last CC statement. I keep track of the APR rates charged and notice that it
> had gone up from the last statement - not much but up. And I knew Prime
> Rate had dropped. I called the CC company and was then told that APR was
> based on LIBOR and not Prime Rate. From there on I have just been trying to
> gather information, And am about to throw up my hands about the whole
> thing.
>
> JonquilJan
>
> Learn something new every day
> As long as you are learning, you are living
> When you stop learning, you start dying- Hide quoted text -
>
> - Show quoted text -
i am really trying to understand all of what is going on...i looked up
LIBOR today, because, for about 2 years i heard nothing about this
acronym(?)...abbreviation when i was growing up!!...all of a sudden,
LIBOR is everywhere, as if we should have known!!!....now, it is
connected to everything...God!! them there Britts...the Empire is not
dead after all!! - that there is very scary...are we going to have to
dump more Tea in Boston Harbour????....kind of quietly
humourous????...

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TOPIC: RECALLS: Pirate's gold chocolate coins
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5aece12681904d70?hl=en
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== 1 of 3 ==
Date: Thurs, Oct 30 2008 1:17 am
From: ultimauw@gmail.com

http://www.snopes.com/food/warnings/coins.asp

With Halloween fast approaching comes a warning to parents and kids
regarding Sherwood brand Pirate's Gold milk chocolate coins imported
from China.

The Canadian Food Inspection Agency is warning the public not to eat,
distribute or sell the candy.

It is sold across Canada by Costco and may also have been sold in bulk
packages or as individual pieces at various dollar and bulk stores.

The chocolate contains melamine which is the same chemical responsible
for killing several babies in China, and sickening thousands
more.<MORE INFO ON WEB PAGE>

== 2 of 3 ==
Date: Thurs, Oct 30 2008 4:47 am
From: Seerialmom

On Oct 30, 1:17 am, ultim...@gmail.com wrote:
> http://www.snopes.com/food/warnings/coins.asp
>
> With Halloween fast approaching comes a warning to parents and kids
> regarding Sherwood brand Pirate's Gold milk chocolate coins imported
> from China.
>
> The Canadian Food Inspection Agency is warning the public not to eat,
> distribute or sell the candy.
>
> It is sold across Canada by Costco and may also have been sold in bulk
> packages or as individual pieces at various dollar and bulk stores.
>
> The chocolate contains melamine which is the same chemical responsible
> for killing several babies in China, and sickening thousands
> more.<MORE INFO ON WEB PAGE>

Damn it Jim, is there nothing the Chinese won't put melamine in? I
wonder if all those years of eating off of Melamine plates in the 60's
did any damage? :p

== 3 of 3 ==
Date: Thurs, Oct 30 2008 12:32 pm
From: Dennis

On Thu, 30 Oct 2008 04:47:05 -0700 (PDT), Seerialmom
<seerialmom@yahoo.com> wrote:

>On Oct 30, 1:17 am, ultim...@gmail.com wrote:
>> http://www.snopes.com/food/warnings/coins.asp
>>
>> With Halloween fast approaching comes a warning to parents and kids
>> regarding Sherwood brand Pirate's Gold milk chocolate coins imported
>> from China.
>>
>> The Canadian Food Inspection Agency is warning the public not to eat,
>> distribute or sell the candy.
>>
>> It is sold across Canada by Costco and may also have been sold in bulk
>> packages or as individual pieces at various dollar and bulk stores.
>>
>> The chocolate contains melamine which is the same chemical responsible
>> for killing several babies in China, and sickening thousands
>> more.<MORE INFO ON WEB PAGE>
>
>Damn it Jim, is there nothing the Chinese won't put melamine in? I
>wonder if all those years of eating off of Melamine plates in the 60's
>did any damage? :p

Depends -- when you were done with the food, did you chew on the plate
for a while? ;-)
Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally

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TOPIC: FS: Boys Timberland boots & dress shoes (sz 6)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9d8cc2cd625380a0?hl=en
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== 1 of 1 ==
Date: Thurs, Oct 30 2008 3:44 am
From: Siskuwihane

On Oct 29, 1:04 am, ClothesOut <visual...@aol.com> wrote:
> Hi,
>
> I just listed two pairs of boys shoes - both size 6. One is a pair of
> wheat-colored Timberlands with a denim roll top. Auction starts at
> $24.99.

Or find them at a yard sale for around $2.00

> The other is a pair of leather-look black dress shoes made by State
> Street. Auction starts at $9.99.

Again, find them at a yard sale for less than $1.00

>
> Both items are gently used and the auctions end on Nov. 2nd. So, place
> your bid today! To view the photos and full descriptions, go tohttp://search.ebay.com/_W0QQsassZhelporgs

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TOPIC: The rain is winning
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/387ab70dc2616cff?hl=en
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== 1 of 1 ==
Date: Thurs, Oct 30 2008 3:58 am
From: "john d hamilton"

"john d hamilton" <bluestar@mail.invalid> wrote in message
news:gdncvd$p0c$1@registered.motzarella.org...
>I recently installed a yardmaster metal shed in the garden. After a good
> shower of rain the inside has huge wet patches on the concrete floor.

Many thanks to all. The bottom frame is in the 'n' way up, and its the
only way up it can go, due to the shed construction.

If the cement blotting paper type soaking is not seen as a major problem,
then i'm thinking it must be running down the walls and into the 'n' shaped
frame at the bottom.

At the moment i'm thinking the answer is endless silicone sealant
everywhere.

i dont really want to get involved in laying down plastic sheet and wooden
flooring, especially in part because i dont like the idea of wet laying
under the plastic sheeting, this being the u.k. that i would think means
mold, mold and more mold. Thanks to all for your advice.

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TOPIC: Cork hard to come by on wine bottles?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2b0408d66c4c1ad4?hl=en
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== 1 of 1 ==
Date: Thurs, Oct 30 2008 4:05 am
From: curly'q

Boothbay wrote:
> What's with the wine industry...replacing cork tops with metal caps
> and white ( ? )..I don't even know what the last one is made of. The
> last one is so difficult to open and forget about putting it back onto
> the bottle...its almost impossible. I even had to use a sharp razor to
> try and taper one end so it could be inserted and it was hard to
> carve. Finally, after thinking I succeeded, a few minutes later I
> heard a 'pop' and sure enough the pressure in the bottle, popped the
> stopper. Why can't they leave it as it was with the cork stopper? Its
> even harder to see when purchased if it has such a stopper, cause its
> covered with wax paper, that u can only take off after buying it.

That's what you get for not drinking the whole bottle :-)

One of the little secrets of the snobbish wine industry is that a screw
cap protects the unopened and opened wine better then natural or
synthetic cork

Good luck trying to market a $20.00 bottle of wine with a screw cap.

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TOPIC: How big is your entertainment budget?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3c6aa20660c0230b?hl=en
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== 1 of 2 ==
Date: Thurs, Oct 30 2008 4:55 am
From: Seerialmom

On Oct 28, 10:49 am, OhioGuy <n...@none.net> wrote:
> I'm just curious how much others set aside for this category. We
> have two adults and 2 children in our family, and we set aside $40 every
> two weeks for all entertainment purposes.
>
> This means eating out, movies, music, books, tickets to anything,
> etc.
> We have to have the $ in there, or we do an alternative low cost or free
> activity. (board games, DVD from the library, etc.)
>
> How much do you set aside in your budget for these things?
>
> Thanks

No budget, just very tight grasp on the purse strings. Which hasn't
changed, I've always been that way and why I'm not in over my head in
this housing market.

== 2 of 2 ==
Date: Thurs, Oct 30 2008 4:58 am
From: Seerialmom

On Oct 29, 8:24 am, OhioGuy <n...@none.net> wrote:
> I actually include the cost of my Internet connection in the
> entertainment category - $3.50 a month for 150 hours of connectivity.
> (since I play a lot of board games online for free on brettspielwelt)
>
> >Anyway why budget yourself it just
> > ruin the meaning of entertainment.
>
> We do it out of necessity. Rather than ruining it, I feel that it
> makes us more creative when it comes to entertainment. Out of habit, I
> usually want to go to the cheap theater with the family. However, that
> really adds up fast unless we can go on Tuesdays. ($8 on Tuesdays, vs
> $14 other days for 4) My wife has been getting me more interested in
> doing crafts and other less expensive things.

You know you can get discount movie tickets at Costco, right? $7.50
per ticket; not limited to matinees? I saw "Beverly Hills Chihuahua"
with one of those and plan to see Zach and Mira Make a Porno on Friday
with my last one.

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TOPIC: Devil Or Angel Lucy Finds Out sexo
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f0a0b67fe2f767c?hl=en
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== 1 of 1 ==
Date: Thurs, Oct 30 2008 5:24 am
From: krystinacarle@gmail.com

On a warm summer night last year, Lucy was walking alone on the side
of the road near a secluded ornamental park. http://sabir.servik.com/hardcore.htm
http://bdsm-big-tits.blogspot.com/ http://groups.google.com/group/salbon-lesbi

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TOPIC: VantagePoint software crack download www.topta.net
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b1fe168f1a4f3489?hl=en
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== 1 of 1 ==
Date: Thurs, Oct 30 2008 6:58 am
From: ecphd01@yahoo.com

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