Frugal Living: misc.consumers.frugal-living - 25 new messages in 13 topics

Thursday, January 15, 2009

misc.consumers.frugal-living - 25 new messages in 13 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: Frugal changes that save more than $100 per month
http://groups.google.com/group/misc.consumers.frugal-living/t/07f36911318eebe4?hl=en
==============================================================================

== 1 of 6 ==
Date: Wed, Jan 14 2009 10:39 pm
From: Too_Many_Tools

On Jan 14, 11:00 am, Too_Many_Tools <too_many_to...@yahoo.com> wrote:
> We all see suggestions that others offer that save a dime here, a
> nickel there.
>
> Well what frugal changes have you made that save at least a $100 a
> month?
>
> TMT

Well I am cheap...err...frugal too.

But it is a journey, not a destination, so I am always looking to
improve my lifestyle.

TMT

== 2 of 6 ==
Date: Thurs, Jan 15 2009 3:06 am
From: "Bill"

100 frugal changes which save $1 a month each.

Or 50 frugal changes which save $2 a month each.

"Too_Many_Tools" wrote in message
> We all see suggestions that others offer that save a dime here, a
> nickel there.
>
> Well what frugal changes have you made that save at least a $100 a
> month?
>
> TMT

== 3 of 6 ==
Date: Thurs, Jan 15 2009 10:23 am
From: me@privacy.net

I'm curious how many of you are TRACKING your finances

using Quicken on the computer?

use an online service like mint.com?

What?

== 4 of 6 ==
Date: Thurs, Jan 15 2009 11:39 am
From: "John A. Weeks III"

In article <anvum45kfta1gv4l4br5n7jkb710f4helu@4ax.com>, me@privacy.net
wrote:

> I'm curious how many of you are TRACKING your finances
> using Quicken on the computer?
> use an online service like mint.com?

Unless you have a mega-corporation to manage, why not just
do it in a small spreadsheet? Or a yellow note pad? How
complex could this be? You have a couple of bank accounts,
a small stack of bills, a few credit cards, and a 401K
statement. If you are doing more than that, then you are
really over-thinking the process.

-john-

--
======================================================================
John A. Weeks III 612-720-2854 john@johnweeks.com
Newave Communications http://www.johnweeks.com
======================================================================

== 5 of 6 ==
Date: Thurs, Jan 15 2009 12:12 pm
From: "JonquilJan"

h <tmclone@searchmachine.com> wrote in message
news:gklooq$t9r$1@adenine.netfront.net...
>
> "Evelyn Leeper" <eleeper@optonline.net> wrote in message
> news:496e3e2d$0$14297$607ed4bc@cv.net...
> > Too_Many_Tools wrote:
> >> We all see suggestions that others offer that save a dime here, a
> >> nickel there.
> >>
> >> Well what frugal changes have you made that save at least a $100 a
> >> month?
> >
> > It's hard to make changes to save that much when you've been frugal all
> > along. :-)
> >
>
> Agreed. I was reading an article in the local fishwrap about how to "be
more
> frugal". They offered 20 things you could either cut out or cut back on to
> save money. We don't have/do/spend money on any of them. They also
suggested
> dropping the thermostat to 65 in winter and 80 in summer. I laughed out
> loud. I've never set it above 55 in my life and we've never had AC in the
> house.
>
> We're at a loss as to what else we can cut.
>
>
Agreed here as well. I do have the thermostat set at 65 - at age 70 (in 3
weeks) and being disabled, have had to bump it up gradually over the past
few years due to increased problems with mobility. Never had AC -
occasionally a fan in the hotest days.

Don't smoke or drink or eat out or have a cell phone.. Use coupons at the
grocery, have a garden in the summer. My social entertainment is going to
Physical Therapy 3 times a week. Never had a new car. Use the libarary
instead of buying books.

JonquilJan

Learn something new every day
As long as you are learning, you are living
When you stop learning, you start dying

== 6 of 6 ==
Date: Thurs, Jan 15 2009 12:43 pm
From: "JonquilJan"

I made my own spread sheets. Expenditurs, income, propane usage - and
separate for medical records (changes) and food intake (calories, fiber,
sodium).

Spreadsheets are fun - but thats just me.

But I do my own taxes as well. Have to use that Accounting degree for
something.

JonquilJan

Learn something new every day
As long as you are learning, you are living
When you stop learning, you start dying

==============================================================================
TOPIC: OT - Survivalism Retail Style
http://groups.google.com/group/misc.consumers.frugal-living/t/da641b3711ca2726?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 12:27 am
From: terryc

On Wed, 14 Jan 2009 22:20:40 -0800, Sue Bilkens wrote:

> and if the usa decides to default on it's loans?

I hope you like walking and very plain food?

==============================================================================
TOPIC: Cheap things to do with your kids
http://groups.google.com/group/misc.consumers.frugal-living/t/5687c834d5e2ac40?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 5:51 am
From: OldRoads

On Jan 14, 7:44 pm, SMS <scharf.ste...@geemail.com> wrote:
> George wrote:
> >OldRoadswrote:
> >> You don't need to shell out big bucks taking your kids to an amusement
> >> park or water park, etc.
> >> There are plenty of other free things to do:
>
> >> - Take a hike
> >> - Ride your bicycles on the local Rail Trail
> >>http://www.trails.com/activities.aspx?area=12399
> >> - Go fishing
> >> - Go to the beach
> >> - Go camping
>
> >> Other ideas??
>
> >> Vin - Menotomy Vintage Bicycles
> >>http://OldRoads.com
>
> > Use this to locate rail trails without a subscription fee as required in
> > the other site:
>
> >http://www.traillink.com/
>
> Thanks for that link. I can't believe how expensive trails.com is for
> information that is available free from other web sources.- Hide quoted text -
>
> - Show quoted text -

Wow, I didn't realize the trails.com link charged anything. I guess I
was thinking of was traillink.com.
Not too frugal of me, eh?

To combine a couple suggestions above, often you local library has
free passes to local museums.

Vin - Menotomy Vintage Bicycles
http://OldRoads.com

==============================================================================
TOPIC: what to do with old Dot Matrix printer?
http://groups.google.com/group/misc.consumers.frugal-living/t/433f3de03338791a?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 7:04 am
From: Siskuwihane

On Jan 12, 7:09 pm, OhioGuy <n...@none.net> wrote:
> I've got a roughly 19 year old Panasonic KXP-1124 dot matrix printer
<snip>
> Anyone have any thoughts on finally getting rid of something you've
> had for a long time, which still works, but seems slow?

One just sold on Ebay for $42. That's 2 tanks of gas (more or less).

==============================================================================
TOPIC: Cheap doesn't mean frugal.
http://groups.google.com/group/misc.consumers.frugal-living/t/236d9191f133039a?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 8:16 am
From: blake murphy

On Wed, 14 Jan 2009 15:56:07 -0500, cybercat wrote:

> "blake murphy" <blakepmNOTTHIS@verizon.net> wrote in message
> news:o9ejjpr1kckf.1lwuv9h7x3r6z$.dlg@40tude.net...
>> On Tue, 13 Jan 2009 14:01:01 -0500, cybercat wrote:
>>
>>> "Kate Connally" <connally@pitt.edu> wrote
>>>> Well, it's still less scrap for the stockpot than with a whole
>>>> chicken. And then you don't have to figure out what to do with
>>>> the damned breasts. ;-)
>>>>
>>>
>>> We have that Jack Sprat thing going on around here, only with light and
>>> dark
>>> meat.
>>
>> a match made in heaven, or at least close by.
>>
>
> Not quite, sugar britches. My heart belongs to you alone. Only my white meat
> goes to my husband.

he's entitled. i'll take what's left over.

your pal,
blake

==============================================================================
TOPIC: DIY vs professional lawn fertilizing
http://groups.google.com/group/misc.consumers.frugal-living/t/d473e343bec64813?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 8:32 am
From: cr113

I'm trying to decide whether to apply my own fertilizer and weed
control vs using a professional. I live in north alabama and have a
2,000 sq ft bermuda grass lawn. Last year I tried cheap fertilizer and
spot treating with roundup but it didn't work very well. This year I'm
either going to hire a pro or use high quality fertilizer.

The estimate I got for a pro was $40 per liquid application, 5
applications per year. The liquid contains pre-emerge, fertilizer, and
post-emerge.

If I go DIY I was going to use Fertilome granules with Barricade per-
emerge. Not sure what to use for post-emerge.

==============================================================================
TOPIC: Sales Taxes on Web Purchases
http://groups.google.com/group/misc.consumers.frugal-living/t/9ed7426ab3321f7d?hl=en
==============================================================================

== 1 of 3 ==
Date: Thurs, Jan 15 2009 8:39 am
From: Brian Elfert

Vic Smith <thismailautodeleted@comcast.net> writes:

>I'm in Illinois.
>QVC is charging me sales tax. (HQ in PA)
>Cracker Barrel charged no tax (I know they have stores in Illinois)

Some companies have formed seperate companies that run their web site.
They have done this in part so the web company doesn't have to collect tax
in as many states.

If a ecommerce company hosts their web site on a company owned server
located in a third party data center in another state, do they have to
collect tax for that state?

== 2 of 3 ==
Date: Thurs, Jan 15 2009 8:47 am
From: "h"

"Dave Garland" <dave.garland@wizinfo.com> wrote in message
news:GoGdnUeCga6QPfPUnZ2dnUVZ_rLinZ2d@posted.visi...
> Vic Smith wrote:
>> In any case, I can see the automatic tax collection angle from both
>> sides, and don't have a strong opinion about it.
>
> Aargh, as somebody who sometimes has to collect tax, I do. There are
> something like 40,000 different taxing jurisdictions in the USA. They
> all have different rules about how much, what the tax applies to, what
> form you need to fill out, where to send the money. Even in the local
> area where I live, there's, lessee, 1) state tax (6.5%); 2) countywide
> tax for rich sports team owner (0.15%); 3) city tax (0.5%); 4) metro
> area transit/road tax (0.15%). Fortunately, I report them all on the
> same one form and the state divvies up the money, but I need to keep
> the records about how much for each. There is *no* easy way to tell
> where any particular address falls in this mess, the taxes do not go
> along zipcode boundaries.
>
> Now, multiply this by thousands of other greedy taxing authorities
> around the country. If I did a significant mail-order business, I
> could quite honestly spend all my time just sorting out the sales taxes.
>
> If we're going to collect taxes for this crap, the government(s)
> should be required to 1) all agree on exactly what is taxable and what
> isn't (here, a pint bottle of water is taxable, but not a gallon
> bottle); 2) all agree on a single rate of taxes to be charged on
> purchases; and 3) provide a single address to which I can send a check
> along with a printout of, say, amounts and zipcodes, and they (not me)
> take responsibility for sorting out who gets what.
>
> You touched a nerve there ;->
>
> Dave

Yup. Years ago, when I did the fair circuit, I used to have to collect sales
tax in 5 different states, with different tax amounts and different
reporting requirements (monthly, quarterly, annually). However, NY was the
only big problem. The forms for the other 4 states were pretty straight
forward, one side of one sheet, and could be filled out in a few minutes. NY
had different taxes for each county as well as different rates for different
items, and you had to break down all amounts for each county on the 6 page
8½x11 form. It took about 5 hours to fill out the form and check it against
my figures. It almost never came out to the penny. I had to do this 4 times
a year. Now that I don't travel it's SO much easier to do the taxes. I only
have to fill out the forms for my county in NY, since all NY sales are
considered to be from my county. I still have to break out the two different
rates, but it's still MUCH easier.

This is on top of the time required to record all the info at the time of
the sale and then log it in the computer later at home so I'd have all the
info at tax time.

I wouldn't mind collecting and remitting sales tax on internet sales, but it
would have to be streamlined. Expecting small businesses to charge and remit
taxes to individual counties or even states is insane.

Applying for the sales tax license is a hassle and usually has a $25 fee.
That's $1,225.00 for the 49 other states (assuming you only have a license
in your home state). Then there's the many hours of sorting out individual
forms and making sure that you don't miss a deadline. Failing to file a tax
form even if no tax is due results in a $50 fine. Requiring small businesses
to collect sales tax on internet sales could put a lot of us out of business
unless it is implemented uniformly.

== 3 of 3 ==
Date: Thurs, Jan 15 2009 9:28 am
From: Dave Garland

h wrote:
> Applying for the sales tax license is a hassle and usually has a $25 fee.

At least Minnesota has got that part right. It's a one-sheet form,
and doesn't cost anything to register.

Dave

==============================================================================
TOPIC: Q on Equity line
http://groups.google.com/group/misc.consumers.frugal-living/t/498fd17b6b88d192?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Jan 15 2009 9:09 am
From: irfanroberts@gmail.com

Q on Equity line
*****************************

We have a rental property ( townhome) that is fully paid up.
It has been continually rented for many years.

I would like to get an equity line- just in case the situation arises
where we need cash.
I called Schwab and they indicated that they do not have equity lines
on "rental property".

Can anyone please let me know which banks / institutions offer such
lines of equity on "rental properties"?
and if so are there any pointers ie do's and dont's.

The property is in the SF, Bay Area, CA.

Thanks in advance,

Irfan Roberts

== 2 of 2 ==
Date: Thurs, Jan 15 2009 9:19 am
From: "John A. Weeks III"

In article
<e1cde600-6467-4451-9f81-7adb71601e62@g1g2000pra.googlegroups.com>,
irfanroberts@gmail.com wrote:

> I would like to get an equity line- just in case the situation arises
> where we need cash.
> I called Schwab and they indicated that they do not have equity lines
> on "rental property".
>
> Can anyone please let me know which banks / institutions offer such
> lines of equity on "rental properties"?
> and if so are there any pointers ie do's and dont's.

Any traditional bank and most commercial mortgage lenders will
do H/E loans and lines of credit on rental property. The rates
are typically a point or two higher in income property, but
right now, that should still be pretty low.

Keep in mind that a line of credit might not do what you want.
In order to get large sums of money from a line of credit, you
sometimes have to get approval from the lender. If your
situation takes a turn for the south, and you need to get this
money, the lender can say no. There is also the risk that the
lender will simply cancel the line of credit just when you need
it the most. The the solution is to take the money now and
invest it in some fixed income vehicle. It will cost you if
your return is less than the loan interest, but it is a sure
thing since you have the cash in hand already.

-john-

==============================================================================
TOPIC: free rubbers. Planned Parenthood
http://groups.google.com/group/misc.consumers.frugal-living/t/38d53104d2fd9e29?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 9:10 am
From: doc marten

Planned Parenthood; Let every child be wanted;
P.P. offers these ;
birth control, vasectomies, annual exams, pap/cancer screenings, HIV/STD
tests,
pregnancy testing, colposcopy , 1st trimester abortions, HPV vaccine,and
emergency birth control.
Support its efforts.
thanks.
--
When the Power of Love,replaces the Love of Power.
that's Evolution.

==============================================================================
TOPIC: classic Mobile Home q.
http://groups.google.com/group/misc.consumers.frugal-living/t/64184a7b40f05c3d?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 9:53 am
From: doc marten

In article
<georgewkspam-F4F7AF.18552709012009@sn-ip.vsrv-sjc.supernews.net>,
doc marten <georgewkspam@humboldt1.com> wrote:

> In article
> <dcef1912-1217-4241-8eca-32e2319aade9@f40g2000pri.googlegroups.com>,
> MSfortune@mcpmail.com wrote:
>
> > On Jan 9, 12:15 am, doc marten <georgewks...@humboldt1.com> wrote:
> > > we have a '59 Rex Mobile home and we love it. but I was curious.
> > > why does it have complete running lights , two permanent axles , electric
> > > brakes and hitch . It is 45 x 10 ?
> > > No ones going traveling with this monster. It's a long , long long
> > > trailer. It features a lot on built ins. like cabinets and a full
> > > kitchen not the construction office type.
> > > --
> > > When the Power of Love,replaces the Love of Power.
> > > that's Evolution.
> >
> > You are truly living life large, Doc.
> > That's 450 square feet not counting the deduction for partitions and
> > the 1" wall thickness, kitchen cabinets and such.
>
> well, the first thing we did was additions and various outbuildings. Of
> course. but ya know I have no idea what the total sq. footage is.

and boy, did we insulate. and add a wood stove (radiant heat)
and our Micro-climate is so gentle on the body. today it's 70 F.
--
When the Power of Love,replaces the Love of Power.
that's Evolution.

==============================================================================
TOPIC: Batteries: Pays to shop around
http://groups.google.com/group/misc.consumers.frugal-living/t/5e9668558de59929?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 9:57 am
From: me@privacy.net

clams_casino <PeterGriffin@DrunkinClam.com> wrote:

>No wonder they have to
>pay celebrities to push on infomercials & sell it via Walmart. It's
>crap. DON'T even think about it.

Ok thanks so much for heads up!

I will stick with HP printer then

==============================================================================
TOPIC: cheap sell:nike shoes:$32,handbag:$35,NFL:$20,jean:$30,UGG boot:$50,(
FREE SHIPPING)FROM WWW.IOFFERKICKS.COM
http://groups.google.com/group/misc.consumers.frugal-living/t/f1e9daf59cf4cfa3?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jan 15 2009 10:27 am
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==============================================================================
TOPIC: Click n Clack say, don't buy a new car.
http://groups.google.com/group/misc.consumers.frugal-living/t/787b95b7a56331ff?hl=en
==============================================================================

== 1 of 5 ==
Date: Thurs, Jan 15 2009 11:11 am
From: doc marten

Yes, they said it in their latest column.
That it's Never cheaper even in the long run to buy a New Car.
and it you want proof.
get their book "How to buy a great used car",, you might find it on'
www.cartalk.com
--
When the Power of Love,replaces the Love of Power.
that's Evolution.

== 2 of 5 ==
Date: Thurs, Jan 15 2009 11:37 am
From: "John A. Weeks III"

In article
<georgewkspam-ECA0E1.11113215012009@sn-ip.vsrv-sjc.supernews.net>,
doc marten <georgewkspam@humboldt1.com> wrote:

> Yes, they said it in their latest column.
> That it's Never cheaper even in the long run to buy a New Car.
> and it you want proof.
> get their book "How to buy a great used car",, you might find it on'
> www.cartalk.com

I always used to get a new vehicle every 2-1/2 years by trading
in my old Ford Ranger for a new one. I drive 30K+ miles each
year, so I use up vehicles quickly. When I traded in #7, I felt
like they really ripped me (actually, I allowed to happen) since
I got what I thought was little for a truck that looked and drove
like new. As a result, with #8, I am running the wheels off of
this one. I just turned over 248,000. Other than one ding, it
looks and drives like a spring chicken. Yes, it has had to have
some repairs along the way, but as long as the engine is strong
and the transmission works, I'll keep doing small repairs. From
my math, I figure that I have gotten over 3 new vehicles worth
of service out of this one truck compared to what I used to
get, so if it cost $14K to trade, I have saved $28K. I put
maybe $5K into it since I had it.

-john-

== 3 of 5 ==
Date: Thurs, Jan 15 2009 11:40 am
From: SMS

doc marten wrote:
> Yes, they said it in their latest column.
> That it's Never cheaper even in the long run to buy a New Car.

They are mistaken. You need to do a spreadsheet of depreciation,
reliability and predicted out of warranty repair costs, and the street
price of the vehicle new versus used.

It's true that if you're going to buy a vehicle with terrible resale
value, i.e. something from the big 3 or one of the second tier Japanese
manufacturers, you're probably better off buying used. If you're buying
a three year old Toyota or Honda you're paying a big premium for the
brand name yet you're getting no warranty. Furthermore, someone selling
a three year old Honda or Toyota is likely the type of person that paid
way too much for it when it was new, and is counting on someone that
would be overpaying for a new one to buy his or her used one.

I remember looking at some used Camrys when we bought a new one. A one
year old Camry was about $1000 more than a new one, a two year old was
about $500 more than a new one, and a three year old was about
$500-$1000 less than a new one, depending on the mileage. Even though it
was a Toyota, there was still one warranty repair we needed, something
that was a common failure on that generation of Toyota. Had we bought
the three year old model and saved $500, we would have paid for a $400
repair.

== 4 of 5 ==
Date: Thurs, Jan 15 2009 11:46 am
From: "Rod Speed"

doc marten wrote:
> Yes, they said it in their latest column.
> That it's Never cheaper even in the long run to buy a New Car.

They're wrong, it can sometimes be cheaper in the long run to buy a new
car, particularly when the car is seeing stupid prices paid for the used cars.

> and it you want proof. get their book "How to buy a great used car",,

Just because they say it doesnt qualify as anything like proof.

> you might find it on'
> www.cartalk.com

== 5 of 5 ==
Date: Thurs, Jan 15 2009 1:41 pm
From: "Dave"

> I remember looking at some used Camrys when we bought a new one. A one
> year old Camry was about $1000 more than a new one, a two year old was
> about $500 more than a new one, and a three year old was about
> $500-$1000 less than a new one,

You noticed that too? I remember being on a Honda dealer's lot, and used
Accords were priced thousands higher than new ones. WHAT?!? -Dave

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Thursday, January 15, 2009

misc.consumers.frugal-living - 25 new messages in 13 topics - digest

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