Frugal Living: 08/01/2009

Monday, August 17, 2009

misc.consumers.frugal-living - 18 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:

==============================================================================
TOPIC: help me :D:D
http://groups.google.com/group/misc.consumers.frugal-living/t/7dc92b7374da8c88?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Aug 16 2009 1:13 pm
From: Łukasz Tokar

To all who can help me and send for my profile video where say
"Lukas,Angela I wish you luck a lot in weeding day" etc...
I please people for all country help me. I want make fantastic
present for my girlfriends with yours help :D:D:D

Sory for my English :)

my profil on youtube - tokario
my e-mail tokario@wp.pl or tokar86@gmail.com

== 2 of 2 ==
Date: Sun, Aug 16 2009 6:10 pm
From: Al

On Aug 16, 4:13 pm, £ukasz Tokar <toka...@gmail.com> wrote:
> To all who can help me and send for my profile video where say
> "Lukas,Angela I wish you luck a lot in weeding day" etc...
> I please people for all country help me. I want make fantastic
> present for my girlfriends with yours help :D:D:D
>
> Sory for my English :)
>
> my profil on youtube - tokario
> my e-mail toka...@wp.pl or toka...@gmail.com

You need the best combination of a fat wallet and an 8" personality.
Done.

==============================================================================
TOPIC: Got preapproval, found house, now bank won't loan $
http://groups.google.com/group/misc.consumers.frugal-living/t/08ed8859599a428d?hl=en
==============================================================================

== 1 of 5 ==
Date: Sun, Aug 16 2009 1:47 pm
From: Al

On Aug 16, 1:44 pm, Dennis <dg...@hotmail.com> wrote:
> On Sat, 15 Aug 2009 13:59:10 -0700 (PDT), Al <albun...@mailinator.com>
> wrote:
>
>
>
> >On Aug 15, 8:14 am, "Bill" <billnomailnosp...@yahoo.com> wrote:
> >> "Al" wrote in message
>
> >> > One would think OG is smart enough to figure these things out without
> >> > asking here...
>
> >> Actually I've noticed a trend on the internet lately, and that is quite a
> >> few people need to be told to "try another bank", "go elsewhere", or in the
> >> case of how something should operate, to "read the instruction manual which
> >> came with the product". (Basic things.)
>
> >> One person was advised to call businesses listed in the yellow pages to find
> >> companies which could do the work that person needed to have done, but the
> >> person didn't want to call because some businesses might think he was asking
> >> dumb questions and would be "short" with him. (Well find a business which
> >> gives helpful advice!)
>
> >> Then it is common on automotive forums lately for people to say they have x
> >> amount of dollars available to spend on adding accessories to their new
> >> vehicle and asking other people what they should buy with this money!
>
> >> Total sheep mentality.
>
> >There was a discussion between Malcolm Forbes SR. and Bill Gates on
> >what makes a person successful. Mr. Forbes' view was that success had
> >little to do with intelligence or even education in many cases. He
> >said it had more to do with energy and focusing that energy on a
> >useful purpose. I'd like to hear that again on a PBS special.
> >OG views the new groups as his personal shopper, whether he's looking
> >for potato chips at so much per ounce or wanting to barter or beg 6-7
> >pepper seeds through the mail. Despite the criticism he has endured
> >here and in other groups (using various names), he's still willing to
> >come back for more. So in that limited sense, maybe he has the energy
> >Mr. Forbes was speaking about.
>
> I once knew a guy who was always looking for an angle. He wasn't
> happy unless he thought he was "gaming the system", often spending
> more time and resources looking for a backdoor "sweet deal" than
> following a more common straight-forward path would demand.
>
> OG sometimes reminds me of that guy.
>
> Dennis (evil)
> --
> The honest man is the one who realizes that he cannot
> consume more, in his lifetime, than he produces.

You nailed it precisely Dennis. OG is a gamer on another site. As Tom
and Ray, the Car Talk guys, say, the man who tries to save the most,
spends the most. It's somewhat like gambling. It's more about being in
the game than winning.

== 2 of 5 ==
Date: Sun, Aug 16 2009 1:57 pm
From: George

Dennis wrote:
> On Sat, 15 Aug 2009 13:59:10 -0700 (PDT), Al <albundy2@mailinator.com>
> wrote:
>
>> On Aug 15, 8:14 am, "Bill" <billnomailnosp...@yahoo.com> wrote:
>>> "Al" wrote in message
>>>
>>>> One would think OG is smart enough to figure these things out without
>>>> asking here...
>>> Actually I've noticed a trend on the internet lately, and that is quite a
>>> few people need to be told to "try another bank", "go elsewhere", or in the
>>> case of how something should operate, to "read the instruction manual which
>>> came with the product". (Basic things.)
>>>
>>> One person was advised to call businesses listed in the yellow pages to find
>>> companies which could do the work that person needed to have done, but the
>>> person didn't want to call because some businesses might think he was asking
>>> dumb questions and would be "short" with him. (Well find a business which
>>> gives helpful advice!)
>>>
>>> Then it is common on automotive forums lately for people to say they have x
>>> amount of dollars available to spend on adding accessories to their new
>>> vehicle and asking other people what they should buy with this money!
>>>
>>> Total sheep mentality.
>> There was a discussion between Malcolm Forbes SR. and Bill Gates on
>> what makes a person successful. Mr. Forbes' view was that success had
>> little to do with intelligence or even education in many cases. He
>> said it had more to do with energy and focusing that energy on a
>> useful purpose. I'd like to hear that again on a PBS special.
>> OG views the new groups as his personal shopper, whether he's looking
>> for potato chips at so much per ounce or wanting to barter or beg 6-7
>> pepper seeds through the mail. Despite the criticism he has endured
>> here and in other groups (using various names), he's still willing to
>> come back for more. So in that limited sense, maybe he has the energy
>> Mr. Forbes was speaking about.
>
> I once knew a guy who was always looking for an angle. He wasn't
> happy unless he thought he was "gaming the system", often spending
> more time and resources looking for a backdoor "sweet deal" than
> following a more common straight-forward path would demand.
>
> OG sometimes reminds me of that guy.

I think we knew the same guy and thats also the same impression I get.

>
>
> Dennis (evil)
> --
> The honest man is the one who realizes that he cannot
> consume more, in his lifetime, than he produces.

== 3 of 5 ==
Date: Sun, Aug 16 2009 4:50 pm
From: "Lou"

"Dennis" <dgw80@hotmail.com> wrote in message
news:33hg855r7t6bh2ri2rjavk34cegjm4tp3h@4ax.com...
>
> I once knew a guy who was always looking for an angle. He wasn't
> happy unless he thought he was "gaming the system", often spending
> more time and resources looking for a backdoor "sweet deal" than
> following a more common straight-forward path would demand.

Like Ralph Kramden on The Honeymooners.

Sad to say, my daughter is like that. Her first husband (poor guy died of
cancer many years ago) was like that in spades - they reinforced each other.

> OG sometimes reminds me of that guy.

That isn't my primary impression, but there may be some truth to it.

== 4 of 5 ==
Date: Sun, Aug 16 2009 7:40 pm
From: Balvenieman

Dennis <dgw80@hotmail.com> wrote:

>OG sometimes reminds me of that guy.
Nah; strikes me as just another run-of-the-mill dufus. Future
Congressman, maybe, in the Tim Ryan mold....
--
Running on single malt in U.S.A.
USDA zone 9b

== 5 of 5 ==
Date: Sun, Aug 16 2009 7:35 pm
From: "Rod Speed"

OhioGuy wrote:

> My wife and I have been house hunting for about a year. Perhaps 6 months ago, we found a house that met our needs. (4
> bedrooms, 2 bathrooms, an acre+ of land, in a location we liked, and
> unincorporated) It even had a second structure on the property that
> used to be a hair salon, which we thought would make a nice storage
> shed, or home office. It was bank owned, and bank was asking $65K. Probably needed about $10k to $15k in repairs.
> Long story short: it
> had failed to sell, and went to auction. We were outbid at auction,
> because somebody else bid $60k, and we stopped at $59k. So we forgot about it.

> Last week, the real estate agent called and told us that the auction
> deal fell though - purchasers were unable to complete the deal, so
> the house was back on the market. We had recently redone our
> preapproval through a local company affiliated with Wells Fargo, and were approved up to $120k. Bank is now asking
> $59,900 for the place. Funny thing is, we recently signed our oldest son up to attend kindergarten at a grade school
> only 1 mile from this place, to get him in a better school district. If we could get it, I'd be able to put in some
> work on it after dropping him off at school.

> Anyway, the rep at the mortgage company asked me some questions, and when I said we'd like to put in an offer, she
> told me that the zoning
> could be an issue. I had noticed that the property was zoned B-2,
> business. The larger structure is single family, a house built in 1900. If you zoom WAY in on the auditor's website,
> it has the word
> "residential" right on top of this house. It is evidently considered
> a "non conforming" structure, since it is residential, and does not
> fit the business zoning.

> I contacted the county zoning and planning folks, and was told that I
> could either, A) buy it and use the house for our family, and get a
> simple certificate if I wanted to use the smaller structure as a
> business or B) I could get the place rezoned as residential without very much trouble. It would take 3 months and a
> few hundred dollars

> The mortgage rep contacted Wells Fargo, but they told me they could
> not provide a loan for us to get this property. The main argument
> was that due to the current zoning, if the "non conforming" house was
> damaged more than 50%, we would not be allowed to rebuild it. Evidently this is because over time, they want the
> property to be
> fully a business zone there, since that is what the zoning is.

> I'm not sure why this is really an issue, since the zoning folks
> told us it would be a simple manner to either use it as is currently,
> or else rezone it residential. Plus, wouldn't the insurance on the
> place cover the mortgage if an tornado or file screwed up the place? The land itself is probably worth $25k to $30k,
> because it is a nice
> location at an intersection with decent traffic, and would probably
> be a good place eventually for a Dairy Queen, Subway, or whatever. There are lots of $150k to $250k houses going in
> just to the north,
> and most of the surrounding area is agricultural fields.

> I'm wondering if there is another way we need to be going about this.

> We were planning on getting an FHA 203k rehab loan, and
> rolling the repairs into the loan. We have about $6k of our own $ to put towards the loan. Total cost of the property
> is about 10x that. Anyone have any suggestions?

Tell the realtor that you will buy it when they get it rezoned
because you cant borrow for it with the current zoning.

See if any other lender is prepared to lend on that property.

> My wife would truly love it if we could somehow get this place. Her
> commute would be only about 14 minutes, and would be along the most
> scenic limited access highway in the area. Plus, she'd be facing
> away from the sun in the morning, and away from it again in the
> evening. We would live in the are where our son is already going to
> be going to school, so I would no longer have to drive him to and fro
> - the bus could pick him up.

> If anyone has any thoughts that might help us figure out how to get
> around the apparent hurdles here, we would really appreciate it. We are tired of looking, thought we had financing
> lined up, and THOUGHT we finally had a nice place to get with the financing that has, evidently, evaporated. Thanks!

==============================================================================
TOPIC: Who's rented out a room in their house before?
http://groups.google.com/group/misc.consumers.frugal-living/t/f3597144e975c00f?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Aug 16 2009 2:04 pm
From: Patricia Martin Steward

Having a flight of fancy -- "renting" out my guest bedroom in exchange
for housekeeping, maybe some meal preparation, etc.

Anyone have stories, horror or no? What did you do to make sure you
got a good person? Thanks all.

--
"Palin lied when she told Charlie Gibson that she does not pass judgment on gay
people; in fact, she opposes all rights between gay spouses and belongs to a church
that promotes conversion therapy."
"The Odd Lies of Sarah Palin: A Round-Up" by Andrew Sullivan
andrewsullivan.theatlantic.com

== 2 of 3 ==
Date: Sun, Aug 16 2009 5:25 pm
From: "Rod Speed"

Patricia Martin Steward wrote

> Having a flight of fancy -- "renting" out my guest bedroom in
> exchange for housekeeping, maybe some meal preparation, etc.

> Anyone have stories, horror or no?

Anyone who has done it has.

> What did you do to make sure you got a good person?

There is no way to make sure.

References can help, but they arent hard to fake up and
just like with job references, there is a real tendency to
give glowing references to get rid of a dud etc.

A trial period can be useful, but that isnt possible in quite a few
legal jurisdictions where that is covered by the law in most.

== 3 of 3 ==
Date: Sun, Aug 16 2009 11:35 pm
From: Dan Birchall

patstew@noteranews.com (Patricia Martin Steward) wrote:
> Having a flight of fancy -- "renting" out my guest bedroom in
> exchange for housekeeping, maybe some meal preparation, etc.
>
> Anyone have stories, horror or no? What did you do to make
> sure you got a good person? Thanks all.

I haven't done it in exchange for housekeepig or whatever. Some
years ago, a friend of a friend had moved to the area and was
working for a while, deciding whether to stay long-term. Said
friend was able to put him up for a short period, but asked if
we could offering something longer-term, so he stayed in our
spare bedroom in exchange for helping with bills.

What you're looking at might be appealing to someone who is, for
example, a college student, and therefore has to think about room
and board and all that.

--
"If you like to stand on your head and spit pickles in the snow, on the
Internet there are at least three other people just like you."
- Langston James Goree VI

==============================================================================
TOPIC: Tag Heuer New Link Quartz wj1311.ba0572
http://groups.google.com/group/misc.consumers.frugal-living/t/7de0c243fcd2070e?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Aug 16 2009 7:19 pm
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== 1 of 1 ==
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TOPIC: Jaeger LeCoultre Reverso Duetto Classique 256.84.02 (q2568402)
http://groups.google.com/group/misc.consumers.frugal-living/t/9a6d80079cad4e1e?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Aug 16 2009 7:20 pm
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TOPIC: Breitling Aeromarine Colt Automatic Steel Black Mens Watch A1735006-B5-
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== 1 of 1 ==
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==============================================================================
TOPIC: Baume & Mercier Hampton Milleis Ladies Watch MOA08745
http://groups.google.com/group/misc.consumers.frugal-living/t/504041aefadf75ce?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Aug 16 2009 7:21 pm
From: Lauren smith

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==============================================================================
TOPIC: Ebay Credit Card hassle
http://groups.google.com/group/misc.consumers.frugal-living/t/4ad566576a1cef5d?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Aug 16 2009 7:45 pm
From: ransack

On Aug 10, 3:45 pm, "JonquilJan" <war...@imcnet.net> wrote:
> Have a question about PayPal. Can't get an answer on the site but perhaps
> someone here knows. I gave them my credit card number - and now they also
> want my bank account number. Why both?? And if I give them both - which
> will be cahrged with any purchases I make using Pay Pal?
>
> Just cautious.
>
> JonquilJan
>
> --
> Learn something new every day
> As long as you are learning, you are living
> When you stop learning, you start dying"h" <tmcl...@searchmachine.com> wrote in message
>
> news:h5obvo$sjp$2@aioe.org...
>
>
>
>
>
> > "Shawn Hirn" <s...@comcast.net> wrote in message
> >news:srhi-70DBFA.14354406082009@93-136-209-74.adsl.net.t-com.hr...
> >> In article <h5d17g$oi...@news.tornevall.net>,
> >> webcompaniessuck <webcompaniess...@hotmail.com> wrote:
>
> >>> I have to use ebay for some difficult to sell items.
>
> >>> I don't want to give these suckers my credit card number.
>
> >>> Is there a way around this? Will prepaid credit card with limit work?
>
> >> Why don't you use Paypal?
>
> > You HAVE to use PayPal these days - it's an eBay requirement that PayPal
> > be a payment option. I can't understand what the OP's issue is. Just tie
> > the PayPal account to a checking account and get over it. Also, no one
> > will bid on items being sold by a non-verified (by PayPal) merchant
> > because of the very high likelihood of fraud. This is eBay 101. Yeesh.- Hide quoted text -
>
> - Show quoted text -

First don't give them your checking account numbers. If you do you
will get F.
They can take money. You can not get it back if you do. Your bank
won't give your money back to you.

By the way.

eBay Inc. owns PayPal, but in some ways, they remain independent. This
means that, while your PayPal and eBay accounts work together, they
are still managed separately. In some cases, certain things can only
be done at PayPal.com.

So look out.

==============================================================================
TOPIC: McDonald's Angus burger
http://groups.google.com/group/misc.consumers.frugal-living/t/f01368d5f882c9ff?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Aug 16 2009 10:06 pm
From: vjp2.at@at.BioStrategist.dot.dot.com

When my folks died, I balooned on McDungLumps until chums turned me on
to ChopHay sandwich shops. I still can't freaking comprehend how a
hamburger which should have two hundred calories ends up with five
times that. Still, McDungLumps has one thing in their corner, their
quality control would make any industrialist drool. Their product is
consistent anywhere in the world. In some foreign countries, after
all the fancy local foods, I crave McDungLumps. Sometimes I go there
just for the restroom.

- = -
Vasos Panagiotopoulos, Columbia'81+, Reagan, Mozart, Pindus, BioStrategist
http://www.facebook.com/vasjpan2
---{Nothing herein constitutes advice. Everything fully disclaimed.}---
[Homeland Security means private firearms not lazy obstructive guards]
[Urb sprawl confounds terror] [Phooey on GUI: Windows is for subprime Bimbos]

==============================================================================
TOPIC: Toe expander
http://groups.google.com/group/misc.consumers.frugal-living/t/98eb4a86955b09c5?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Aug 16 2009 10:08 pm
From: vjp2.at@at.BioStrategist.dot.dot.com

A lot of shoes blister my toes and crack my toenails.
I tried putting brad tacks on shoe horns.
Any better ideas to expand the show at the little toe.

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

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Monday, August 17, 2009

misc.consumers.frugal-living - 18 new messages in 11 topics - digest