Monday, October 12, 2009

misc.consumers.frugal-living - 25 new messages in 12 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:

* Cell phone service on Verizon's Network: $24.60 for 1200 minutes/1200 text
or picture messages/50MB of Data. - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/9c475631a4242f50?hl=en
* ∴★paypal payment★∴ wholesale cheap the hottest Belt at www.ecyaya.com - 1
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http://groups.google.com/group/misc.consumers.frugal-living/t/27ad371f29a6c44f?hl=en
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Fashion lady shoes boots from china www.dotradenow.com <free shipping> - 1
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http://groups.google.com/group/misc.consumers.frugal-living/t/62e84e1136b2fda9?hl=en
* 。◕ω◕。 *paypal payment* Cheap wholesale Chanel handbag and purse at WEBSITE --
- www.fjrjtrade.com --- Free shipping!!! - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/49eed833066373ef?hl=en
* recover heat from clothes dryer? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/b147b338ff73f881?hl=en
* There is no "right" to health care - 10 messages, 8 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/e14cb160c2e4a0dd?hl=en
* ①①①Cheap Wholesale Brand Fashion Clothes (Coat, T-shirt, Jackets, Suit, Long
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http://groups.google.com/group/misc.consumers.frugal-living/t/3060ba731cc59103?hl=en
* &★∷★&wholesale cheap CAP etc in www.ecyaya.com - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/41edd0c763c28f5e?hl=en
* How to get rid of a roommate? - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/a3fd1dedade4e5a6?hl=en
* ♥Paypal Payment♥cheap SMET jeans wholesale(www.wholesale789.com) - 1
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www.fjrjtrade.com - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/0bcc29472614fc7b?hl=en
* Top 5 Best Blogs Of the Blogger - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/948246272457b071?hl=en

==============================================================================
TOPIC: Cell phone service on Verizon's Network: $24.60 for 1200 minutes/1200
text or picture messages/50MB of Data.
http://groups.google.com/group/misc.consumers.frugal-living/t/9c475631a4242f50?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Oct 12 2009 12:02 am
From: SMS


OMG, following PagePlus's unlimited service for under $33, now they have
a new plan that offers 1200 voice minutes, 1200 text/picture messages,
and 50MB of data for $24.60/month (with no extra garbage fees). PagePlus
is a MVNO (Mobile Virtual Network Operator) that offers prepaid service
on Verizon's network.

This plan includes 50MB of data rather than the 20MB of data on their
$32.82 unlimited plan. Another feature of this plan is that, unlike the
unlimited plan, MMS messages are included in the 1200 messages (on the
unlimited plan, MMS comes out of your 20MB data allocation and it's easy
to burn through 20MB of data sending photos).

The net cost is less than the advertised $29.95. You can use refill
cards that add 12% more money than their face value to your account and
that cost 8.00% less than their face value. You do not have to use the
$29.95 cards that they sell for this plan. The best card to buy is the
$50 card that adds $56 of value to your account and that sells for $46
during periodic 8% off promotions from callingmart.com. The $50 face
value card adds the largest percentage of extra value to your account
(12% extra).

With an 8% Discount Code from CallingMart (offered about six times a
year) $46 buys you $56 worth of PagePlus money on the $50 refill card.
$29.95 of PagePlus money is deducted each month for unlimited service,
so the math works out like this: $29.95 x 46.00 ÷ 56.00 = 24.60.

You can see this plan at
"http://www.pagepluscellular.com/Plans/Talk%20n%20Text%201200.aspx". But
remember, to get the plan for lower than the $29.95 regular rate you
need to buy the $50 refill cards from a reseller that offers them at a
discount. If you sign up as a fan of Calling Mart on Facebook then
they'll notify you of their periodic promotions (often with an 8%
discount) but you can always get a 5.91% discount with Use coupon code
ca3p-1207.

If you don't have native Verizon coverage in the areas you usually use a
phone in then don't sign up with PagePlus. Roaming on non-Verizon CDMA
networks will incur roaming charges. Also note that there are no
off-peak (night and weekend) or free Mobile to Mobile minutes--all
minutes used are deducted from your 1200 minutes. Extra MB of data are
$0.60 each (which can really add up if you're a heavy data user, but
AT&T and Verizon charge about $2/MB so it's not a bad deal).

You can use any Verizon phone, new or used, on PagePlus, including 3G
smart phones that Verizon won't let you use unless you sign up for a
data plan (and including very old non E-911 capable phones). You can
also use Verizon InPulse phones sold at Wal-Mart, Target, Best Buy,
Walgreen's, etc (do not activate the phone on InPulse prepaid).

I have no affiliation with CallingMart or PagePlus other than being a
customer of both.


== 2 of 3 ==
Date: Mon, Oct 12 2009 5:43 am
From: George


SMS wrote:

> If you don't have native Verizon coverage in the areas you usually use a
> phone in then don't sign up with PagePlus. Roaming on non-Verizon CDMA
> networks will incur roaming charges. Also note that there are no
> off-peak (night and weekend) or free Mobile to Mobile minutes--all
> minutes used are deducted from your 1200 minutes.


And because of that a family plan is usually the best deal for multiple
phones. Since mobile to mobile calling is "free". That means you only
need a small plan. Also your friends and relatives won't appreciate that
when you get your Pageplus plan they will now be paying for minutes when
you call. One of the nice parts of staying with one carrier is that
network calling is "free". All of my family and most of my friends use
VZW so it isn't costing us minutes to stay in touch whenever we want.
Plus with all of the phones on a postpaid plan I don't have to remember
to "recharge" minutes and get a NE2 subsidy for periodic "free" phones.

Extra MB of data are
> $0.60 each (which can really add up if you're a heavy data user, but
> AT&T and Verizon charge about $2/MB so it's not a bad deal).

But basically useless for a smartphone.


== 3 of 3 ==
Date: Mon, Oct 12 2009 7:04 am
From: SMS


George wrote:

> And because of that a family plan is usually the best deal for multiple
> phones.

I think that this was true up until this new plan was made available. It
would cost about 3-4x for four phones on a family plan for a similar
amount of minutes and messaging and data, but that doesn't include the
value of the subsidized phones from Verizon. It's more like 2-3x if you
factor in the cost of the free/discounted phones every two years.

> Since mobile to mobile calling is "free". That means you only
> need a small plan.

I find that even with nearly everyone I know in the Bay Area on Verizon,
that 450 peak minutes per person is necessary. It's not the same in
all areas of the country since in most areas the other carriers aren't
as bad as they are here and users are more spread out onto other
carriers. In my area, prior to the iPhone, it'd be rather rare to find
many users not on Verizon, at least in my circles of relatives,
co-workers, and friends because the difference in coverage quality is so
stark.

> Also your friends and relatives won't appreciate that
> when you get your Pageplus plan they will now be paying for minutes when
> you call.

This is true.

> Extra MB of data are
>> $0.60 each (which can really add up if you're a heavy data user, but
>> AT&T and Verizon charge about $2/MB so it's not a bad deal).
>
> But basically useless for a smartphone.

I find the exact opposite. While my regular account is on Verizon (for
now) I have a smart phone on PagePlus. I don't use it like some people
use their iPhones, using it on the web every free moment of my life, I
just use it when I actually have a need to use it. It would be hard to
us 50MB a month when free WiFi has become ubiquitous, when MMS doesn't
come out of the 50MB, and when I have high speed connectivity at home
and work. If I commuted by train, and tethered, then that would be a
different story. On Verizon, if I wanted just a small data plan I'd be
paying $10 for 25MB per phone and if I had a smart phone I would be
required to sign up for a minimum of a $30/month data plan.

==============================================================================
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http://groups.google.com/group/misc.consumers.frugal-living/t/27ad371f29a6c44f?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Oct 12 2009 1:13 am
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http://groups.google.com/group/misc.consumers.frugal-living/t/62e84e1136b2fda9?hl=en
==============================================================================

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== 1 of 1 ==
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==============================================================================
TOPIC: recover heat from clothes dryer?
http://groups.google.com/group/misc.consumers.frugal-living/t/b147b338ff73f881?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Oct 12 2009 4:53 am
From: RickMerrill


sr wrote:
> For Lint. I've used a nylon stocking, you know , those panty hose things
> over the duct
> "Lou" <lpogoda@hotmail.com> wrote in message
> news:hato4p$56l$1@news.eternal-september.org...
>> "RickMerrill" <Rick0.merrill@gmail.lessspam.com> wrote in message
>> news:hate03$f5c$3@news.eternal-september.org...
>>> Has anyone found a way to recover the heat without
>>> too much humidity and lint?
>> Most of the heat generated by a clothes dryer is used to evaporate the
>> water
>> contained in the clothes - to get it back, you'd have to condense the
>> vapor
>> back to liquid water. Such machines exist - they're called condensing
>> dryers. They're not cheap.
>>
>> If you just direct the vent from a normal dryer inside, the amount of
>> humidity is the same as you'd get if you hung the clothes up to dry
>> inside,
>> though it probably gets dumped into the room in a shorter amount of time.
>>
>> I'd worry more about lint - breathing it in.
>>
>>
>
>

I've used the nylon stocking trick also - but they are harder to find
these days!

I guess what I need is a way to measure the humidity remotely.

==============================================================================
TOPIC: There is no "right" to health care
http://groups.google.com/group/misc.consumers.frugal-living/t/e14cb160c2e4a0dd?hl=en
==============================================================================

== 1 of 10 ==
Date: Mon, Oct 12 2009 5:01 am
From: RickMerrill


Roger wrote:
> If you watched the gay RIGHTS march on Washington DC today...they are
> demanding the RIGHT to make all of us paying for HIV research and AIDS
> treatment. In return, they promise NOT TO STOP their rediculously
> risky behavior.

Surveys indicate that non-gays engage in about the same level of risky
behavior.


> They act like they don't know what the hell causes HIV! It needs MORE
> research...they say. They're not totally sure yet why they get
> AIDS.

In Africa HIV is about to kill nearly everybody - and Africa has few "gays".


> They say: "Cough up another $50 billion or so MORE of your money so
> we can feel like we have equal rights".

Is that so different from any other "special interest"?


> They'll do what they want and WE are obligated to pay for the
> consequences!

You mean you pay taxes and "they" don't???


...
> On Oct 9, 12:17 pm, K <Kvisi...@live.con> wrote:
>> In fact, no one has a "right" to any material good or service. Someone
>> might choose to provide some goods and services to deadbeats, but that
>> doesn't imply a right to them; and the provider may subsequently decide
>> to stop providing them.
>>
>> You have no more "right" to health care than you have to a big screen
>> TV, Hawaiian holidays, a car, or a lobster dinner. You don't have a
>> "right" to goods or services. If you want goods and services, you must
>> pay for them, or you must persuade someone to give them to you
>> voluntarily. If your powers of persuasion are weak, you'll fare poorly.

You and I have no "right to stuff", only the right to persue it - if
that's what floats your boat.

== 2 of 10 ==
Date: Mon, Oct 12 2009 5:02 am
From: me@privacy.net


Wilson Woods <banmilk@hotmail.com> wrote:

>> Why do you snip my argument and then lie about it?
>
>I don't.

=========================================================
Try to make me, fuckwit - I'll shoot you dead, and laugh about it over a
beer later. Then I'll stub a cigar butt out on your orphan child's head.-Wilson Woods


== 3 of 10 ==
Date: Mon, Oct 12 2009 5:02 am
From: me@privacy.net


Wilson Woods <banmilk@hotmail.com> wrote:

>> Wrong. In the USA, all people have the "right" to a free, publicly-
>> provided education.
>
>No, they do not

=========================================================
Try to make me, fuckwit - I'll shoot you dead, and laugh about it over a
beer later. Then I'll stub a cigar butt out on your orphan child's head.-Wilson Woods


== 4 of 10 ==
Date: Mon, Oct 12 2009 6:23 am
From: tmclone


On Oct 11, 10:08 pm, Michael Coburn <mik...@verizon.net> wrote:
> On Sun, 11 Oct 2009 18:22:56 -0700, tmclone wrote:
> > On Oct 10, 3:22 pm, Michael Coburn <mik...@verizon.net> wrote:
>
> >> Ans when morons refuse to insure their bodies, we end up paying for
> >> that negligence.
>
> > Wow, are you clueless. I don't have insurance, and I can assure you, NO
> > ONE
> > else pays for my healthcare. I simply don't get any. Period. Full Stop.
> > If I
> > could find a premium that was less than 35% of my gross income which
> > didn't
> > also have a $2k yearly deductible, I would consider it. Good thing I'm
> > healthy. The only "insurance" I can afford is a Planet Fitness
> > membership
> > which I use at least 6 times a week.
>
> This is the typical young squirt response.  I would suggest that young
> people who have no assets do not feel they need medical insurance.  When
> young and healthy and assetless then there is no personal threat: If you
> crack up on the freeway or a safe falls on you then you do a bankruptcy
> and lose nothing, sticking the rest of the society with the bill. Are you
> a member of the Young Republicans?  DO you wear a coonskin cap?
>

What a moron. I'm a female homeowner in my 50s and I own my own
business. I'm a self-employed, life-long democrat. I have lots of
assests, but I still can't afford health insurance. It's more than my
mortgage payment with a deductible I could never meet. You lose.


== 5 of 10 ==
Date: Mon, Oct 12 2009 7:38 am
From: Ron Hamilton


RickMerrill wrote:
> Roger wrote:
>> If you watched the gay RIGHTS march on Washington DC today...they are
>> demanding the RIGHT to make all of us paying for HIV research and AIDS
>> treatment. In return, they promise NOT TO STOP their rediculously
>> risky behavior.
>
> Surveys indicate that non-gays engage in about the same level of risky
> behavior.

That's a lie, of course.


== 6 of 10 ==
Date: Mon, Oct 12 2009 7:38 am
From: Wilson Woods


me@privacy.net wrote:
> Wilson Woods <banmilk@hotmail.com> wrote:
>
>>> Why do you snip my argument and then lie about it?
>> I don't.

Your concession of defeat is noted and accepted, creampuff.


== 7 of 10 ==
Date: Mon, Oct 12 2009 7:40 am
From: Wilson Woods


tmclone wrote:
> On Oct 11, 10:08 pm, Michael Coburn <mik...@verizon.net> wrote:
>> On Sun, 11 Oct 2009 18:22:56 -0700, tmclone wrote:
>>> On Oct 10, 3:22 pm, Michael Coburn <mik...@verizon.net> wrote:
>>>> Ans when morons refuse to insure their bodies, we end up paying for
>>>> that negligence.
>>> Wow, are you clueless. I don't have insurance, and I can assure you, NO
>>> ONE
>>> else pays for my healthcare. I simply don't get any. Period. Full Stop.
>>> If I
>>> could find a premium that was less than 35% of my gross income which
>>> didn't
>>> also have a $2k yearly deductible, I would consider it. Good thing I'm
>>> healthy. The only "insurance" I can afford is a Planet Fitness
>>> membership
>>> which I use at least 6 times a week.
>> This is the typical young squirt response. I would suggest that young
>> people who have no assets do not feel they need medical insurance. When
>> young and healthy and assetless then there is no personal threat: If you
>> crack up on the freeway or a safe falls on you then you do a bankruptcy
>> and lose nothing, sticking the rest of the society with the bill. Are you
>> a member of the Young Republicans? DO you wear a coonskin cap?
>>
>
> What a moron. I'm a female homeowner in my 50s and I own my own
> business. I'm a self-employed, life-long democrat. I have lots of
> assests, but I still can't afford health insurance. It's more than my
> mortgage payment with a deductible I could never meet. You lose.

You may not have health insurance, but I find it impossible to believe
you don't receive any health /care/.


== 8 of 10 ==
Date: Mon, Oct 12 2009 7:54 am
From: "Wayne"

"tmclone" <tmclone@searchmachine.com> wrote in message
news:bcedb7bc-0004-40dc-9480-088c38e95085@z34g2000vbl.googlegroups.com...

> On Oct 10, 2:17 am, K <Kvisi...@live.con> wrote:
>
> > In fact, no one has a "right" to any material good or service. Someone
> > might choose to provide some goods and services to deadbeats, but that
> > doesn't imply a right to them; and the provider may subsequently decide
> > to stop providing them.
>
> > You have no more "right" to health care than you have to a big screen
> > TV, Hawaiian holidays, a car, or a lobster dinner. You don't have a
> > "right" to goods or services. If you want goods and services, you must
> > pay for them, or you must persuade someone to give them to you
> > voluntarily. If your powers of persuasion are weak, you'll fare poorly.
>
> > That's simply how it is, and it's good and just.
<
<Wrong. In the USA, all people have the "right" to a free, publicly-
<providededucation.
-
Nope. Where do you get this stuff.
And I suppose everyone has a right to government provided electricity,
water, housing, etc. along with healthcare?


== 9 of 10 ==
Date: Mon, Oct 12 2009 8:13 am
From: Topaz

A great nation would make sure all citizens got proper health care.
But it is true that today most welfare is White people giving to Black
people. And the Black people hate the White race and blame all their
problems on us. We clearly need a nation for White people.


http://www.ihr.org/ www.vanguardnewsnetwork.com/

http://www.natvan.com http://www.nsm88.org

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== 10 of 10 ==
Date: Mon, Oct 12 2009 8:43 am
From: Geopinion


On Oct 11, 6:55 pm, John...@BadISP.org wrote:
> Geopinion<walk...@easystreet.net> wrote:
> >On Oct 10, 3:33 pm, John Q Public <my2ce...@me.com> wrote:
> >> On 2009-10-10 15:20:30 -0400, Michael Coburn <mik...@verizon.net> said:
> >> > On Sat, 10 Oct 2009 14:50:01 -0400, Beam Me Up Scotty wrote:
> >> >>> On Oct 9, 5:42 pm,Geopinion<walk...@easystreet.net> wrote:
> >> >>>> On Oct 9, 9:17 am, K <Kvisi...@live.con> wrote:
> >> >>>>> In fact, no one has a "right" to any material good or service.
> >> >>>>> Someone might choose to provide some goods and services to deadbeats,
> >> >>>>> but that doesn't imply a right to them; and the provider may
> >> >>>>> subsequently decide to stop providing them.
> >> >>>>> You have no more "right" to health care than you have to a big screen
> >> >>>>> TV, Hawaiian holidays, a car, or a lobster dinner.  You don't have a
> >> >>>>> "right" to goods or services.  If you want goods and services, you
> >> >>>>> must pay for them, or you must persuade someone to give them to you
> >> >>>>> voluntarily.  If your powers of persuasion are weak, you'll fare
> >> >>>>> poorly. That's simply how it is, and it's good and just.
> >> >>>> There is a right to health care if we, the people, decide there is. We
> >> >>>> aren't limited to rights specifically outlined in the Constitution,
> >> >>>> but are assumed to possess a whole host of unenumerated rights.  It is
> >> >>>> also within our power to decide that there are rights and policies
> >> >>>> that serve the greater good, and there is nothing in the constitution
> >> >>>> that prohibits that.
> >> >> Where is your "right" to force me to into your health care?
> >> >> Try amendment 9, your rights don't supersede my rights.
> >> > We have the right to protect ourselves from your ingrained stupidity and
> >> > the damage it causes us.
> >> Your a fucking idiot, your socialist policies you love are what got us
> >> to this point, the free market
> >> is the only solution, its not perfect and it doesn't provide your so
> >> called social justice but in the
> >> end it always be more efficient and fair than any other system- Hide quoted text -
> >> - Show quoted text -
> >The free market assumes several things: that everyone has sufficient
> >information to make a choice, that choices are not made under duress,
> >and that choices are available.  It also assumes that the consumer has
> >the power to simply not make a choice at all - do without - as a way
> >of forcing the market to respond.
>
> Absolutely. The free market assumes these things and they're necessary
> for it to work its magic, to keep prices as low as possible, to ensure
> provision of the goods and services needed and in the proportion
> necessary, and to provide the freedom to choose (a good in and of
> itself). The problem is that no one empowers the consumer, forces the
> providers to compete, and forces the consumer to find out about the
> options available to him. Quite the contrary. Due (usually) to venal
> and nannyistic considerations we have actually gone the other way and
> stopped the consumer from performing his role in the system.
>
> >No one knows which physicians or hospitals provide the best care for
> >the least cost.  That information is not available anywhere, so the
> >free market provides no choices for the health-care consumer.
>
> Someone does know, or at least can find out. However, the physicians
> and hospitals don't want this to happen so they pressure and are
> largely successful in preventing governments from collecting and
> disseminating the information. As with all these areas there is some
> truth to the (usual) accusation of the weakness of the information,
> and as usual the concept that we can't achieve perfection is used to
> avoid any action whatsoever.

OK, let's say you've done your homework and have somehow managed to
find enough information about physicians/hospital who are the best and
most affordable local options for the conditions you are most likely
to face: heart disease, cancer, Alzheimers, diabetes; but then you
develop a rare nerve disease and must start all over. Weakness of the
information is critical and unless/until sufficient information is
available to all patients, and unless/until all patients are
sufficiently educated to evaluate the information, the free-market has
failed at the critical first step: finding the best, most affordable
care.

>
> >No one can afford to take the time and perform the research needed to
> >determine where to get the most effective treatment for the least cost
> >in the shadow of a potentially life-threatening illness.  So the free
> >market has no answers in that situation.
>
> That's exactly when you want to do your homework and when the
> government should be working to make the suppliers cough up the
> relevant information. But maybe you mean "in an emergency situation"
> instead of "in the shadow of a life-threatening illness." In that
> case, true, you can't spend the time to find out which is the best
> hospital to stabilize you. This is where we need trauma insurance, or
> perhaps there's a place for 100% government control and operation,
> much like the fire brigade.  

Again, the needed information is not currently available, nor is it
likely to become available. Expecting lay people to become
sufficiently well informed about something that took physicians years
and years of medical training to understand, is another failure of the
free-market with regard to health care. And how does one weight
quality vs. cost? Should I chose the second or third cheapest
provider of that's the best? or does cost outweigh everything else?

>
> >Rural areas and small towns may have only one source for health care,
> >so there are no choices to be made among competing providers because
> >there are no competing providers.  The free market offers no solutions
> >there.
>
> Oh, come on. Under all systems the rural ill are going to be at a
> significant disadvantage. If they want the choice they have to move to
> a big city. In practice, just as in other sectors of the economy,
> competition comes via mail order, the internet, and travel to the
> appropriate competing supplier. We even have people going to India,
> Thailand, and Mexico (and probably other countries) for lower cost
> health care. There's the competition.

The absence of rural/small-town medical services means the free-market
has not been successful outside large metropolitan areas. And
suggesting that all Americans move to cities large enough to have
multiple providers is kind of ludicrous.

>
> >The same limits exist with regard to insurers; most people have no
> >choice but must use the insurer - and the participating physicians/
> >hospitals - their employer selects.  Those without employer-provided
> >health care likewise have very limited choices and usually must simply
> >obtain coverage they can afford.  So, the free market hasn't performed
> >for those people, either.
>
> And that's because the free market hasn't been allowed/forced to
> function. Several years ago I attempted to compare the reimbursement
> levels between the (supposedly) competing plans my employer offered.
> Big problem: the DRG's (Diagnostic Related Groups) are not the same
> between plans and the actual coding is copyright (even Medicare's) so
> you can't get a list of the DRG's (without paying megabucks for them)
> and even if you do you can't compare them nor can anyone else and
> publish the comparison. Obviously this is to prevent competition
> something the free marketeers should have outlawed long ago. But they
> don't / didn't. Further most insurance companies won't even talk to
> you (the insured or potential insured). They make it as hard as
> possible to find out what you're actually getting for your money. This
> is like the restaurant telling you it won't tell you the price of your
> food until after you've consumed it.

And insurance companies wouldn't pay out a dime if they didn't have
to. That's why "insurance" is ill-fitted to health care. Health
problems are a given; most individuals WILL become ill at some point
in their life. Insurance is for "in case of," rare, unforeseen
losses. Insurance companies never consider themselves to be involved
in their clients' lives from cradle-to-grave. Their risks are usually
limited by term of employment or membership in a covered
organization. Insurance companies Number One task is to limit payouts
and maximize shareholder/CEO/lobbyist profits. Insurance companies do
not provide health care.

>
> >And people in need of health care aren't really in a position to
> >simply say, "Forget it, I'll go without," because sometimes that
> >decision means death or permanent disability for oneself or one's
> >child or spouse or parent. So, the consumer cannot influence the
> >market by rejecting the available choices.
>
> "Sometimes" doesn't mean "always" and it's all those "not always"
> occurrences that will have a profound effect on the supplier.
>
> In a free market however, it's not usually "go without" but rather
> choose a cheaper supplier. Hopefully I'm not going to be too
> long-winded here. Let's take an analogy: your can needs new brake pads
> so you have several alternatives:
>
> - buy the pads yourself and install them yourself. Not too difficult.
> Cost: say $50
>
> - get the gear-head teenager down the block to do the job. Cost: $50
> plus $20 labor.
>
> - get the local garage to do it. Cost: $50 plus $50 labor.
>
> - get "Brakes 'r' Us" to do it. Cost $50 plus $75 labor.
>
> - get the dealer to do it. Cost $50 plus $150 labor.
>
> - or finally something that doesn't really exist: get the automotive
> engineer with a degree from MIT to do it. He'll bring in a consulting
> metallurgist and they'll X-ray the disks to find hairline fractures.
> It'll probably take a couple of months and who knows how much it'll
> cost because they won't tell you up front... "You don't want to put a
> price on your car's safety, do you ?" Conservatively we're probably
> talking a few thousand bucks.
>
> In our wonderful health care system we have today we only have the
> option of the automotive engineer and the thousands of dollars fees.
> We can't do it ourselves because the powers-that-be have decided we
> might make a mistake and we can't employ any of the other
> "unqualified" people (in reality "Brakes 'r' Us", for example, are
> probably vastly more qualified than anyone else in the group above)
> because ... well, the real reason is that they (or ourselves) will
> take business away from the equivalent of the automotive engineer. If
> you want to break the current system you have to give the consumer
> "skin in the game" and empower him to make his own choices.
>
> >Free-market zealots think the market is a one-size-fits-all solution
> >to everything - it's not.  It works for commerce, only, and then only
> >for things that aren't vital to life.
>
> In all instances it has to be made to work usually by government force
> applied to the suppliers in this (and most) cases. The problem is that
> those suppliers have our elected officials in their back pockets and
> have done so for so long that the current wasteful system has become
> ingrained in the minds of the people.- Hide quoted text -

As long as the bottom line for insurance companies is their bottom
line, they will never operate in the interest of patients. Never.

MLW

>
> - Show quoted text -


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== 1 of 3 ==
Date: Mon, Oct 12 2009 7:45 am
From: "Bill"


Check with the police department about your options (depends on your state
laws).

Also check with your county health department or state health or human
services department or even a hospital. I've seen pamphlets in these places
which on the front say; "Are you in an abusive relationship?" Then it gives
a number to call. I don't know what they can do for you when you call???

Then when moving day arrives and it is legal to make him move out that day
(whatever depending on your state laws), and if the police department will
not help get rid of him, a "show of force" will encourage him to get going.
That is 6 or 8 people all arrive and inform him he is moving out RIGHT NOW.
Place his stuff on the sidewalk if necessary and change the locks. Get a
restraining order. (whatever is legal to do in your area.) Also you can hire
an off duty police officer. One for a couple of hours should do the trick!
These guys don't put up with any crap, know the laws, and will call their
buddies with a quickness.

But most important is that with a "show of force", persons who are combative
suddenly become meek as a lamb and will do as they are told.


"Marsha" wrote in message
> My milktoast sister does plan on consulting an attorney finally, but does
> anyone know what she has to do to get rid of a roommate (boyfriend)? She
> owns the home outright. He's a verbal abuser and plays mind games, like
> hiding her jewelry and undoing a couple small improvements he's made to
> her home. She owns the home outright. He has never paid anywhere near an
> equal share of the bills. I'm thinking she may have to formally give him
> 30 days notice and then just evict him, probably with the help of some law
> enforcement.
>
> Marsha


== 2 of 3 ==
Date: Sun, Oct 11 2009 8:28 pm
From: "Dave C."


On Sun, 11 Oct 2009 23:59:35 -0500
Balvenieman <balvenieman@invalid.net> wrote:

>
> "Dave C." <noway@nohow.never> wrote:
>
> >If you are living with someone long enough, he becomes your common law husband.
> Strictly speaking that simply is not the case in most, if not all,
> jurisdictions in the U.S.A. A narrow set of conditions must prevail in
> order for a judge (the only person who can do so) to declare persons to
> be "common law" spouses. "Common law" spouse just as "fiancé" is, in
> common parlance, simply PCSpeak for "cohabitant", "live-in" or
> "shackup".
> In my view, OP's most constructive and civilized course of action
> is to butt out and let her sister live her own life in return for the
> same respect and regard.
> --

And when the sister ends up dead? Will it make the OP feel better to know that she took the civilized course of action and let her sister die? -Dave


== 3 of 3 ==
Date: Sun, Oct 11 2009 8:30 pm
From: "Dave C."


On Mon, 12 Oct 2009 14:27:08 +1100
"holarchy" <holarchy@nospam.com> wrote:

Damn Rod, that's about what, nymshift number 20 or so?

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