Sunday, February 15, 2009

misc.consumers.frugal-living - 25 new messages in 7 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:

* OT - Survivalism Retail Style - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/da641b3711ca2726?hl=en
* Bubbles are caused by excessive credit. - 10 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/d06a55cb7610180d?hl=en
* Boston Globe humor: "Just splurge a little" - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/3d0295583fed36ba?hl=en
* Doorbell, etc. - Saving $2.50 per month! - 5 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/f28ae8d29331218e?hl=en
* Car Insurance - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/0743cd326690fd99?hl=en
* Living in CO - 4 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/6530b80539a24694?hl=en
* America is doomed without industrial restoration - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/3ac833194943bee0?hl=en

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

== 1 of 1 ==
Date: Sun, Feb 15 2009 11:11 am
From: "Ed Huntress"

<EskWIRED@spamblock.panix.com> wrote in message
news:gn9ouf$nem$7@reader1.panix.com...
> In misc.survivalism Ed Huntress <huntres23@optonline.net> wrote:
>
>> "Winston_Smith" <not_real@bogus.net> wrote in message
>
>> > Still the market deflates. Esk will
>> > explain why this isn't really happening in his little world.
>
>> I don't know about his world. What I'm talking about is the economic
>> world
>> as it's presently understood and how it influences policy.
>
> Thanks, Ed. You suffer fools more gladly than I.

I don't think the main problem here is fools, although there are a few very
weird ones -- or ones wearing very weird personnas. The main problem is...

...too much to get into. d8-)

>
> --
> The whole problem with the world is that fools and fanatics are always so
> certain of themselves, but wiser people so full of doubts.
> -- Bertrand Russell

Maybe that's it.

--
Ed Huntress

==============================================================================
TOPIC: Bubbles are caused by excessive credit.
http://groups.google.com/group/misc.consumers.frugal-living/t/d06a55cb7610180d?hl=en
==============================================================================

== 1 of 10 ==
Date: Sun, Feb 15 2009 11:27 am
From: "Rod Speed"


Bill Bonde { No matter what happens, it's caused by global warming )
wrote:
> "John A. Weeks III" wrote:
>>
>> In article
>> <0f7f84fa-962a-4b26-892c-d347ebdd8dfd@j35g2000yqh.googlegroups.com>,
>> "(David P.)" <imbibe@mindspring.com> wrote:
>>
>>> The main cause of the Population Bubble is also
>>> excessive credit,
>>
>> If that were true, then the highest birth rate should be
>> in countries that have the most available consumer credit.
>> But the facts show the countries with more available credit
>> actually have lower birth rates, and the highest birth rates
>> are in countries with little or no consumer credit available.
>> Therefore, your assertion is 100% wrong.

> High birth rates in general are caused by the uncertainty
> that the children you've already had will survive.

It hasnt been like that for a long time now.

> Of course negative birth rates can be seen as related to the cost
> of having children. In the first world, the cost can be enormous.

Thats not the reason not one of the modern first world countrys is
even self replacing on population now if you take out immigration.


== 2 of 10 ==
Date: Sun, Feb 15 2009 11:52 am
From: "(David P.)"


Klaus Schadenfreude <klausschadenfre...@yahoo.com> wrote:
> "(David P.)" <imb...@mindspring.com> wrote:
>
> >The main cause of the Population Bubble is also
> >excessive credit
>
> The main cause is food production and advances in medicine.http://www.commondreams.org/views07/0118-33.htm

Stopping the suppression of influenza would
be a good first step in the right direction.
.
.
--


== 3 of 10 ==
Date: Sun, Feb 15 2009 12:03 pm
From: Klaus Schadenfreude


In talk.politics.guns "(David P.)" <imbibe@mindspring.com> wrote:

>Klaus Schadenfreude <klausschadenfre...@yahoo.com> wrote:
>> "(David P.)" <imb...@mindspring.com> wrote:
>>
>> >The main cause of the Population Bubble is also
>> >excessive credit
>>
>> The main cause is food production and advances in medicine.http://www.commondreams.org/views07/0118-33.htm
>
>Stopping the suppression of influenza would
>be a good first step in the right direction.

If your intent would be to cause untold and widespread suffering, I
suppose it would. Wouldn't a nuke be quicker?


== 4 of 10 ==
Date: Sun, Feb 15 2009 12:20 pm
From: "Rod Speed"


(David P.) wrote:
> Klaus Schadenfreude <klausschadenfre...@yahoo.com> wrote:
>> "(David P.)" <imb...@mindspring.com> wrote:
>>
>>> The main cause of the Population Bubble is also
>>> excessive credit
>>
>> The main cause is food production and advances in
>> medicine.http://www.commondreams.org/views07/0118-33.htm

> Stopping the suppression of influenza would be a good first step in the right direction.

Stopping drunks would be MUCH better.


== 5 of 10 ==
Date: Sun, Feb 15 2009 1:33 pm
From: bw@barrk.net (B1ackwater)


On Sun, 15 Feb 2009 18:53:59 +0000, "Bill Bonde { No matter what
happens, it's caused by global warming )"
<tributyltinpint@yahoo.co.uk> wrote:

>
>
>B1ackwater wrote:
>>
>> "(David P.)" <imbibe@mindspring.com> wrote:
>>
>> >The main cause of the Population Bubble is also
>> >excessive credit, i.e., saying that everyone is a
>> >valuable asset as long as they live.
>> >L I K E H E L L T H E Y A R E ! !
>> >Hordes are no longer viable, due to infirmity,
>> >and become a drag on the system.
>>
>> Been watching "Logans Run" too much I see .....
>>
>> However, you're not ENTIRELY wrong.
>>
>> A deliberate effort to poop on the value/virtue
>> of mega-motherhood is needed. Breeding alone ought
>> not earn anyone any favors or respect.
>>
>The problem is that the people who should be reproducing either
>aren't or aren't reproducing enough and the ones who should be kind
>of holding back on the megasized families aren't holding back. Much
>of the first world is seeing either zero population growth or
>negative growth, excluding immigration.

First of all, be very careful with how you use that
"should/shouldn't be reproducing" notion. Too often it
has devolved into a sort of eugenic/pseudo-Darwinistic
line of thinking - most recently exploited in the film
"Idiocracy".

Todays success stories - business, science, arts - were
the products of yesterdays pig-ignorant turnip-munching
sheep-molesting witch-burning world-flattening medieval
dirt farmers who presented every sign of genetic mental
retardation. However the *potential* was always there,
simply masked by cultural circumstances. Given time and
the right tools, they straightened up, smartened up, and
took us to the moon and beyond.

"Should not" needs to be qualified - and bean-counter
arguments about 'resources' and 'bang per pound of
manflesh' aren't always adequate qualification because
they are inevitibly biased by the CURRENT model of
'successful societies'.

Frankly, lots of good company, living kinda poor, can be
just as 'successful' as a few people with lots of cash,
luxuries and free time.

It's a matter of perspective.

Only the extreme end of 'should not' - ie "far more
people than can possibly be fed" deserves consideration.
There ARE regions of the world where such situations
exist, and the size and scope of such grim circumstances
CAN grow as global resources are consumed faster than
thay can be produced. There's a real possibility of
extinction lurking there - if not through actual, total,
global stavation then more through resource wars that
eventually go the WMD route.

>The idea that old people are a drag on society is wrong. Of course
>old people who are very sick or whose mentally facilities have been
>lost are a cost, but it might take people until old age before they
>figure something important out.

Quite true. OFTEN true.

But the current model is money & youth oriented.
"Wisdom" and 'perspective' are less valued than
they used to be. Yesterdays ideas seem dated,
antique, irrelevant, worthless.

Of course a big global economic crash or two might
change that.

I wonder how many people bothered to listen to Granny
when she explained at length about how they managed to
live poor during the Depression and how, in retrospect,
she thinks they might have done even better. Seems like
that might be very VALUABLE information today, and for
tomorrow especially :-)

== 6 of 10 ==
Date: Sun, Feb 15 2009 3:35 pm
From: "Bill Bonde { No matter what happens, it's caused by global warming )"


Rod Speed wrote:
>
> Bill Bonde { No matter what happens, it's caused by global warming )
> wrote:
> > "John A. Weeks III" wrote:
> >>
> >> In article
> >> <0f7f84fa-962a-4b26-892c-d347ebdd8dfd@j35g2000yqh.googlegroups.com>,
> >> "(David P.)" <imbibe@mindspring.com> wrote:
> >>
> >>> The main cause of the Population Bubble is also
> >>> excessive credit,
> >>
> >> If that were true, then the highest birth rate should be
> >> in countries that have the most available consumer credit.
> >> But the facts show the countries with more available credit
> >> actually have lower birth rates, and the highest birth rates
> >> are in countries with little or no consumer credit available.
> >> Therefore, your assertion is 100% wrong.
>
> > High birth rates in general are caused by the uncertainty
> > that the children you've already had will survive.
>
> It hasnt been like that for a long time now.
>
Not in the first world, and in the first world the reproductive
rates are at or below replacement. But try out the third or fourth
world.


> > Of course negative birth rates can be seen as related to the cost
> > of having children. In the first world, the cost can be enormous.
>
> Thats not the reason not one of the modern first world countrys is
> even self replacing on population now if you take out immigration.
>
The cost of raising children and the knowledge that if you have one
child even, that child is likely to not die in childhood. Of course
it could happen, but it isn't anywhere near as likely as it was.
These two reasons are important reasons. Of course birth control
availability and abortion are important factors.

--
He and Evie soon fell into a conversation of the "No, I didn't;
yes, you did" type--conversation which, though fascinating to those
who are engaged in it, neither desires nor deserves the attention
of others.
-+E.M. Forster, "Howards End"


== 7 of 10 ==
Date: Sun, Feb 15 2009 3:36 pm
From: "Bill Bonde { No matter what happens, it's caused by global warming )"


"(David P.)" wrote:
>
> Klaus Schadenfreude <klausschadenfre...@yahoo.com> wrote:
> > "(David P.)" <imb...@mindspring.com> wrote:
> >
> > >The main cause of the Population Bubble is also
> > >excessive credit
> >
> > The main cause is food production and advances in medicine.http://www.commondreams.org/views07/0118-33.htm
>
> Stopping the suppression of influenza would
> be a good first step in the right direction.
>
People who are fearful that their children won't live to adulthood
reproduce *more* than those who are relatively sure they will live.
Leaving aside the moral issues of serviing Irish babies at table,
your plan is not going to reduce anything.

--
He and Evie soon fell into a conversation of the "No, I didn't;
yes, you did" type--conversation which, though fascinating to those
who are engaged in it, neither desires nor deserves the attention
of others.
-+E.M. Forster, "Howards End"


== 8 of 10 ==
Date: Sun, Feb 15 2009 4:09 pm
From: "Rod Speed"


Bill Bonde { No matter what happens, it's caused by global warming ) wrote
> Rod Speed wrote
>> Bill Bonde { No matter what happens, it's caused by global warming ) wrote
>>> John A. Weeks III wrote
>>>> David P. <imbibe@mindspring.com> wrote

>>>>> The main cause of the Population Bubble is also excessive credit,

>>>> If that were true, then the highest birth rate should be
>>>> in countries that have the most available consumer credit.
>>>> But the facts show the countries with more available credit
>>>> actually have lower birth rates, and the highest birth rates
>>>> are in countries with little or no consumer credit available.
>>>> Therefore, your assertion is 100% wrong.

>>> High birth rates in general are caused by the uncertainty
>>> that the children you've already had will survive.

>> It hasnt been like that for a long time now.

> Not in the first world, and in the first world the reproductive rates
> are at or below replacement. But try out the third or fourth world.

Not in the rest of the world either, essentially because child mortality is now so low.

>>> Of course negative birth rates can be seen as related to the cost
>>> of having children. In the first world, the cost can be enormous.

>> Thats not the reason not one of the modern first world countrys is
>> even self replacing on population now if you take out immigration.

> The cost of raising children and the knowledge that if you
> have one child even, that child is likely to not die in childhood.

That isnt the reason not one modern first world country is even self replacing on population now.

It appears to mostly be due to so many married women working now.

> Of course it could happen, but it isn't anywhere near as likely as it was.

In fact the infant mortality is now so low its an irrelevant consideration.

> These two reasons are important reasons.

Nope.

> Of course birth control availability and abortion are important factors.

Those are by far the most important factors in the modern first world.

== 9 of 10 ==
Date: Sun, Feb 15 2009 4:11 pm
From: "Rod Speed"


Bill Bonde { No matter what happens, it's caused by global warming ) wrote
> David P. wrote
>> Klaus Schadenfreude <klausschadenfre...@yahoo.com> wrote
>>> David P. <imb...@mindspring.com> wrote

>>>> The main cause of the Population Bubble is also excessive credit

>>> The main cause is food production and advances in
>>> medicine.http://www.commondreams.org/views07/0118-33.htm

>> Stopping the suppression of influenza would
>> be a good first step in the right direction.

> People who are fearful that their children won't live to adulthood
> reproduce *more* than those who are relatively sure they will live.

Nope, there is no correlation between infant mortality and the number of children people have anymore.

The real driver is cultural now.

> Leaving aside the moral issues of serviing Irish babies at table, your plan is not going to reduce anything.


== 10 of 10 ==
Date: Sun, Feb 15 2009 4:26 pm
From: "(David P.)"


Klaus Schadenfreude <klausschadenfre...@yahoo.com> wrote:
> "(David P.)" <imb...@mindspring.com> wrote:
> >Klaus Schadenfreude <klausschadenfre...@yahoo.com> wrote:
> >> "(David P.)" <imb...@mindspring.com> wrote:
> >>
> >> >The main cause of the Population Bubble is also
> >> >excessive credit
> >>
> >> The main cause is food production and advances in medicine.http://www.commondreams.org/views07/0118-33.htm
> >
> >Stopping the suppression of influenza would
> >be a good first step in the right direction.
>
> If your intent is to cause untold & widespread suffering,
> I suppose it would. Wouldn't a nuke be quicker?

It's better to let Mother Nature control population.
If you put people in charge of that, you're asking
for trouble.
.
.
--

==============================================================================
TOPIC: Boston Globe humor: "Just splurge a little"
http://groups.google.com/group/misc.consumers.frugal-living/t/3d0295583fed36ba?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 11:35 am
From: lenona321@yahoo.com


Not terribly funny.......

http://www.boston.com/news/local/massachusetts/articles/2009/02/08/just_splurge_a_little/

One thing the writer doesn't mention is how good it feels to have the
money you need for a rainy day, whether your methods are "extreme" or
not. As I wrote in a copy of "The Complete Tightwad Gazette" that I
gave to a relative a few years ago: "The great thing about frugality
is that you never have to lower your standard of living!"

There are 18 comments that follow. I smiled at the one by rick1954 at
February 08, 5:26 AM, even though *I* never considered "throwing them
away"!

And from this thread:

http://glennsacks.com/blog/?p=1553&cp=all#comments

(my posts were 11 and 14)

I wanted to add that regarding presents that are "too expensive," I
think there's almost always another good reason not to buy something,
so parents would do well to focus on that instead of saying "we can't
afford it." The only times it's really OK to say that, IMHO, are when
you're explaining why you can't pay for your kids to go to college or
go on school field trips, or why you can't get an apartment with more
than one bedroom, or why you can't afford more than two meals a day,
or why you can't even buy clothes from Goodwill. I.e., parents are not
obligated to "afford" luxuries, and if kids don't want something
enough to work for it, why should the parents?

(Check out the 1st post in the thread - it's by a father whose fifth-
grader(!) was distraught to hear from her teacher that Santa is a
myth! Sheesh.)

Lenona.

==============================================================================
TOPIC: Doorbell, etc. - Saving $2.50 per month!
http://groups.google.com/group/misc.consumers.frugal-living/t/f28ae8d29331218e?hl=en
==============================================================================

== 1 of 5 ==
Date: Sun, Feb 15 2009 12:41 pm
From: "DGDevin"


Bill wrote:

> Anyway my electric bill is now $2.50 per month less and will be so
> for the rest of my life. That's $30 a year or being as my electric
> bill is now under $30 a month - one month of free electricity!

And how much did you say you spent on power strips, switches, wiring etc.?


== 2 of 5 ==
Date: Sun, Feb 15 2009 1:36 pm
From: albundy2@mailinator.com


On Feb 15, 1:36 pm, "Jon Danniken" <jondanSPAMni...@yaSPAMhoo.com>
wrote:
> "aemeijers" wrote:
> > Oh, please don't encourage the guy. Of course what he is doing is not time
> > or cost effective, but if it gives him the illusion of having some control
> > over his universe, so what?
>
> It's no problem with the fellow in question, but often folks like that tend
> to want to spread their "blessings" onto other people who have not become so
> "enlightened", and often by force. That's when it no longer becomes cute
> and quirky.
>
> Jon

Plus, his reported savings are likely do to general cutbacks then
using power strips without the tiny neon light. It's like when people
go on a diet or start concentrating on auto mileage, they start making
more and more changes. When his house burns down from using a cheap
power strip or running wires on the floor, he won't be posting that
event here.


== 3 of 5 ==
Date: Sun, Feb 15 2009 2:15 pm
From: "John Grabowski"

"Bill" <billnomailnospamx@yahoo.com> wrote in message
news:6vqu7pFl4f65U1@mid.individual.net...
>I previously posted about re-wiring my doorbell so it would use electricity
>only when the button was pressed. I also went through my house and placed
>everything I could find which was "always on" on a switch or power strip.
>
> I replaced power strips which had lights on them with power strips which
> have no light. I wired switches to all GFCI outlets so I can turn them off
> when not in use. I have a rooftop TV antenna amplifier which was "always
> on" and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips (no
> lights) so I could turn on only what I was using. (Like just TV and DVD,
> or playstation, or satellite TV - don't need to have on components which
> are not being used.)
>
> I placed several power strips on my computer stuff. So just computer on -
> printer on separate power strip and off when not in use. Everything
> totally off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small stereos.
> Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so for the
> rest of my life. That's $30 a year or being as my electric bill is now
> under $30 a month - one month of free electricity!

*What is the payback time for the expenses that were outlayed to do all this
switching and changes? If you spent $100.00 the payback would be in 40
months based on the $2.50 per month savings.

== 4 of 5 ==
Date: Sun, Feb 15 2009 2:33 pm
From: "K"


clams_casino wrote:
> Tony Hwang wrote:
>
>>>
>>>
>> Hi,
>> My electricity costs 7 cents per KWh locked for 5 years. What if you
>> keep powering up/down multiple devices and a surge cause a damage.
>> The repair cost may far exceed the 2.00 per month. If I wanted to
>> save electric energy my way would be using more efficient devices or
>> minimize the usage by careful planning ahead.
>
>
> I'm envious. My last electric bill was 18.5 cents / KWhr.

Connecticut?


== 5 of 5 ==
Date: Sun, Feb 15 2009 5:06 pm
From: clams_casino


K wrote:

>clams_casino wrote:
>
>
>>Tony Hwang wrote:
>>
>>
>>
>>>>
>>>>
>>>Hi,
>>>My electricity costs 7 cents per KWh locked for 5 years. What if you
>>>keep powering up/down multiple devices and a surge cause a damage.
>>>The repair cost may far exceed the 2.00 per month. If I wanted to
>>>save electric energy my way would be using more efficient devices or
>>>minimize the usage by careful planning ahead.
>>>
>>>
>>I'm envious. My last electric bill was 18.5 cents / KWhr.
>>
>>
>
>Connecticut?
>
>
>
>
RI

==============================================================================
TOPIC: Car Insurance
http://groups.google.com/group/misc.consumers.frugal-living/t/0743cd326690fd99?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 11:51 am
From: Coffee's For Closers


In article <ec12c14d-cc1e-406f-8d17-
57234ac8e827@x10g2000yqk.googlegroups.com>, bm3719@gmail.com
says...
> If someone has enough money in the bank to cover damages in accidents,
> is it possible to not pay car insurance? If so, how would I go about
> doing so, and proving this fact if I got pulled over?


If you are in the US, contact your state's insurance commission
(or similar named agency.) Ask about options for "self-
insurance."

My understanding is that, this involves posting a large bond.
Meaning that you hand over the money to be held in case of a
claim. The amount would probably need to be at least equal to
the minimum coverage (e.g. $30K.) I expect that there are some
small administration fees.

You would receive a certificate of self-insurance, similar to the
proof document that an insurance company gives to its customers.

It might not be allowed in all states.


--
Get Credit Where Credit Is Due
http://www.cardreport.com/
Credit Tools, Reference, and Forum

==============================================================================
TOPIC: Living in CO
http://groups.google.com/group/misc.consumers.frugal-living/t/6530b80539a24694?hl=en
==============================================================================

== 1 of 4 ==
Date: Sun, Feb 15 2009 3:12 pm
From: The Real Bev


clams_casino wrote:

> Our son recently took a job between Denver & Boulder CO. It's been some
> 30 years since we vacationed in the area, but still have fond memories,
> having enjoyed that memorable vacation very much.
>
> When doing a Best Places comparison, the quality of life, taxes, climate
> & cost of living look appear very attractive. Sales and income taxes
> appear moderate while property taxes appear very reasonable. As I
> approach SS, income taxes have a minimal concern where property taxes
> will likely be the biggest (tax) cost after retirement. Downside
> appears to be the 100 inches/yr of snow,

This is a PLUS if you're a skier! Think about it...

--
Cheers, Bev
-----------------------------------------------------------
"Don't you wish there were a knob on the TV to turn up the
intelligence? There's one marked "brightness", but it
doesn't work." -- Gallagher


== 2 of 4 ==
Date: Sun, Feb 15 2009 3:47 pm
From: "LoveToMove"

"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:ErXll.4436$_U5.728@newsfe20.iad...
> Our son recently took a job between Denver & Boulder CO. It's been some
> 30 years since we vacationed in the area, but still have fond memories,
> having enjoyed that memorable vacation very much.
>
> When doing a Best Places comparison, the quality of life, taxes, climate &
> cost of living look appear very attractive. Sales and income taxes appear
> moderate while property taxes appear very reasonable. As I approach SS,
> income taxes have a minimal concern where property taxes will likely be
> the biggest (tax) cost after retirement. Downside appears to be the 100
> inches/yr of snow, but the number of sunny days & moderate temperatures
> for most of the year appear attractive. General cost of living, quality
> of life and housing costs appear attractive.
>
> Any one have thoughts / experience with retirement living in towns just
> northwest of Denver?

We lived there for 3 years. Before I got pregnant with our first child, we
had a Summit pass and skied every weekend. We often would get home in the
early evening, put on shorts and a t-shirt and run. If you like being
active, this is one of the best places to be. They have fitness centers all
over the Denver-Boulder corridor. But, one thing I missed terribly is the
lack of oaks and maples and birds! Aspens are OK, but I longed for the
oranges and reds. Colorado seems to have 2 real seasons: winter and summer,
with some crazy days in between (70s in the afternoon and 30s just a few
hours later). To cool our home, we used a "swamp cooler". It goes on the
roof of the house and is a large fan that blows a mist of tiny water
particles through the house (you have to leave at least 1 window open a tiny
bit to force the drier air out). It was amazing how cold the house got! And
it was much cheaper than air-conditioning to run.


== 3 of 4 ==
Date: Sun, Feb 15 2009 4:08 pm
From: William Boyd


Joan F (MI) wrote:
> To each his own, I don't understand how people can stand to live in Florida.
>
> --
> Retired in Michigan
>
>
> William Boyd wrote:
> |
> | I can not understand why some one would retire in a cold climate.
>
>
I suppose you are right, if you weren't there would be no one in Alaska.
I spent many years in the south Pacific and never had airconditioning,
only ceiling fans. Maybe I spoiled my body Climate Control. Actually the
seasons are only two, hot and wet and hot and dry.
I spent a 4th of July down in Rock Port Texas, on the coast. As long
as you could move the air you could stay cool.
But in the cold climate areas, you must either bundle up or have heat. I
spent several years in Newfoundland, never did get warm.

BP


== 4 of 4 ==
Date: Sun, Feb 15 2009 4:30 pm
From: clams_casino


Joan F (MI) wrote:

>To each his own, I don't understand how people can stand to live in Florida.
>
>
>

When my grandparents retired (CT), they thought about moving to FL. My
parents convinced them to spend time there in the spring, summer and
fall - not just in the winter.

A year later, they retired to NH.

==============================================================================
TOPIC: America is doomed without industrial restoration
http://groups.google.com/group/misc.consumers.frugal-living/t/3ac833194943bee0?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Feb 15 2009 3:57 pm
From: "Bill Bonde { No matter what happens, it's caused by global warming )"


Rod Speed wrote:
>
> Bill Bonde wrote
> > John A. Weeks III wrote
> >> wismel@yahoo.com wrote:
>
> >>> In the long run it all comes down to loss of US productivity.. the loss of US created wealth.
>
> >> Ummm, worker productivity has been at an all time high for quite
> >> some time, and has been surging ahead over the past few months.
> >> There is no issue with productivity.
>
> >>> Unless the US can rebuild its manufacturing capability it will be a
> >>> long slide into a third world level of subsistence.
>
> >> Ummm, the US is at an all time high for manufacturing at the moment.
> >> We manufacture far more than we did in 15 years ago. That is now
> >> an issue right now.
>
> >>> The only solution is to withdarw from the WTO and allow US workers -
> >>> and only US workers - the ability to make this country into a
> >>> powerhouse again
>
> >> That sounds like the old burry you head in the sand and hope it
> >> goes away theory. Good luck with that.
>
> > There is an issue with regards to the balance of trade.
> > For some reason the Chinese economy is tanking,
>
> Because the world economy is tanking and so exports are dropping.
>
I know that, the issue is why are their imports also dropped
quickly even as they have a trade surplus? Why not export $30bn a
month in food to China and balance things up? They could eat and
the US would be slightly less in trouble.


> > imports are going down,
>
> Because the chinese economy is tanking.
>
But they still have $30bn a month.


> > and yet they are still running about a $30bn a month trade surplus.
>
> Yep, because even when the world economy is tanking, that does not mean zero exports.
>
> People still need to buy lots of stuff.
>
But why are the Chinse starving when they get $30bn a month in
surplus?

> > Meanwhile the people are starving.
>
> Nope, no chinese are starving.
>
I bet you claim that Americans are.

> > How about employing Americans to grow some food and sell it to China?
>
> They do.
>
I'm talking about to make up the trade difference.

> > The blackhole that this money is going into needs to stop.
>
> Easier said than done.
>
People could start talking about it.


--
He and Evie soon fell into a conversation of the "No, I didn't;
yes, you did" type--conversation which, though fascinating to those
who are engaged in it, neither desires nor deserves the attention
of others.
-+E.M. Forster, "Howards End"


== 2 of 3 ==
Date: Sun, Feb 15 2009 4:20 pm
From: "Rod Speed"


Bill Bonde { No matter what happens, it's caused by global warming ) wrote
> Rod Speed wrote
>> Bill Bonde wrote
>>> John A. Weeks III wrote
>>>> wismel@yahoo.com wrote:

>>>>> In the long run it all comes down to loss of US productivity..
>>>>> the loss of US created wealth.

>>>> Ummm, worker productivity has been at an all time high for quite
>>>> some time, and has been surging ahead over the past few months.
>>>> There is no issue with productivity.

>>>>> Unless the US can rebuild its manufacturing capability it
>>>>> will be a long slide into a third world level of subsistence.

>>>> Ummm, the US is at an all time high for manufacturing at the
>>>> moment. We manufacture far more than we did in 15 years ago.
>>>> That is now an issue right now.

>>>>> The only solution is to withdarw from the WTO and allow US workers - and
>>>>> only US workers - the ability to make this country into a powerhouse again

>>>> That sounds like the old burry you head in the sand
>>>> and hope it goes away theory. Good luck with that.

>>> There is an issue with regards to the balance of trade.
>>> For some reason the Chinese economy is tanking,

>> Because the world economy is tanking and so exports are dropping.

> I know that, the issue is why are their imports also dropped quickly

Because so many of them have lost their jobs and hordes more worry about
how long they will have their jobs for, and so they dont buy whats imported.

> even as they have a trade surplus? Why not export
> $30bn a month in food to China and balance things up?

Because they arent interested in importing US food.

> They could eat and the US would be slightly less in trouble.

Yes, but they arent interested in importing US food.

>>> imports are going down,

>> Because the chinese economy is tanking.

> But they still have $30bn a month.

Yes, because the economy is taking and thats affecting both imports
and exports, and they still have a massive trade surplus in their favour.

>>> and yet they are still running about a $30bn a month trade surplus.

>> Yep, because even when the world economy is tanking, that does not mean zero exports.

>> People still need to buy lots of stuff.

> But why are the Chinse starving

No chinese are starving. They havent done that since the cultural revolution.

> when they get $30bn a month in surplus?

>>> Meanwhile the people are starving.

>> Nope, no chinese are starving.

> I bet you claim that Americans are.

Nope, I have in fact said repeatedly that the only americans who
are starving are those with mental conditions like anorexia etc.

They cant be starving with so many obscenely obese americans around.

When was the last time you saw an american with its ribs sticking out
like you see with concentration camps except those with anorexia etc ?

>>> How about employing Americans to grow some food and sell it to China?

>> They do.

> I'm talking about to make up the trade difference.

They grow enough of their own food to not need to import that much from america.

>>> The blackhole that this money is going into needs to stop.

>> Easier said than done.

> People could start talking about it.

They are, no one has been able to come up with any way to stop it happening.


== 3 of 3 ==
Date: Sun, Feb 15 2009 5:52 pm
From: Aviroce


You remind me of a logical fallacy I would like to entertain you
with. Mark Twain, not one of my favorite as he is a racist, wrote:

One time, a group of citizens were fighting the board of education
until one guy among them yelled, "I read it in the Holly Book."
Every body stopped and listened.
He continued, "God created all idiots. And that was for practice.
Then he created the board of education." Everyone was perplexed as
well excited to hear him. Everyone had a laught or two and left the
gathering.

On Feb 15, 8:20 am, Hiccum Blurpaedius <hic...@gmail.com> wrote:
> On Feb 12, 6:26 am, wis...@yahoo.com wrote:
>
>
>
>
>
> > All the bailouts... and the stimulii...all the hot air....the debt...
> > the debt servicing... they DON"T MATTER
>
> > In the long run it all comes down to loss of US productivity.. the
> > loss of US created wealth.
> > Unless the US can rebuild its manufacturing capability it will be a
> > long slide into a third world level of subsistence.
>
> > Generating paper has never saved a country from its expoitators.
>
> > The only solution is to withdarw from the WTO and allow US workers -
> > and only US workers - the ability to make this country into a
> > powerhouse again
>
> > This morning I was reading Sen. Leathy's comments supporting
> > immigration "reform". The old degenerate wants more immigrants!
>
> >http://www.numbersusa.com/ Numbers USA
>
> >http://www.wvwnews.net/ Western Voices World News
>
> > ted
>
> That is the solution.
>
> We manufature criminals.
> Then we manufacture drugs to sedate the voters.
> Then we allow illegal immigrants into the country.
> Then we sedate the voters. Those that refuse will be prosecuted.
>
> Now all we have yo do is sedate the rest of the world so we cam allow
> aliens from other planets to work for social security.
>
> Reganomics and the trickle down economy.- Hide quoted text -
>
> - Show quoted text -

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Google Groups: http://groups.google.com/?hl=en

misc.consumers.frugal-living - 25 new messages in 4 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:

* Doorbell, etc. - Saving $2.50 per month! - 11 messages, 10 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/f28ae8d29331218e?hl=en
* Living in CO - 4 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/6530b80539a24694?hl=en
* OT - Survivalism Retail Style - 8 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/da641b3711ca2726?hl=en
* Bubbles are caused by excessive credit. - 2 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/d06a55cb7610180d?hl=en

==============================================================================
TOPIC: Doorbell, etc. - Saving $2.50 per month!
http://groups.google.com/group/misc.consumers.frugal-living/t/f28ae8d29331218e?hl=en
==============================================================================

== 1 of 11 ==
Date: Sun, Feb 15 2009 9:19 am
From: "hallerb@aol.com"


On Feb 15, 11:29�am, "Bill" <billnomailnosp...@yahoo.com> wrote:
> I previously posted about re-wiring my doorbell so it would use electricity
> only when the button was pressed. I also went through my house and placed
> everything I could find which was "always on" on a switch or power strip.
>
> I replaced power strips which had lights on them with power strips which
> have no light. I wired switches to all GFCI outlets so I can turn them off
> when not in use. I have a rooftop TV antenna amplifier which was "always on"
> and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips (no
> lights) so I could turn on only what I was using. (Like just TV and DVD, or
> playstation, or satellite TV - don't need to have on components which are
> not being used.)
>
> I placed several power strips on my computer stuff. So just computer on -
> printer on separate power strip and off when not in use. Everything totally
> off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small stereos.
> Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so for the
> rest of my life. That's $30 a year or being as my electric bill is now under
> $30 a month - one month of free electricity!

congrats how much did you spend for all the power strips etc?

some devices may not like being powered off repeatedly like you are
doing

congress should legislate a power off control for people who desire to
save max energy, a added requirement for energy star

the satellite tv uses off hours to doiwnload guide updates, powered
off completely may get you a aging guide.

We use DVRs which arent compatible with no power. Ours record shows
all day and all nite long


== 2 of 11 ==
Date: Sun, Feb 15 2009 9:24 am
From: clams_casino


Tony Hwang wrote:

>>
>>
> Hi,
> My electricity costs 7 cents per KWh locked for 5 years. What if you
> keep powering up/down multiple devices and a surge cause a damage. The
> repair cost may far exceed the 2.00 per month. If I wanted to save
> electric energy my way would be using more efficient devices or
> minimize the usage by careful planning ahead.


I'm envious. My last electric bill was 18.5 cents / KWhr.


== 3 of 11 ==
Date: Sun, Feb 15 2009 9:25 am
From: "Charlie Darwin"


"Bill" <billnomailnospamx@yahoo.com> wrote in message
news:6vqu7pFl4f65U1@mid.individual.net...
>I previously posted about re-wiring my doorbell so it would use electricity
>only when the button was pressed. I also went through my house and placed
>everything I could find which was "always on" on a switch or power strip.
>
> I replaced power strips which had lights on them with power strips which
> have no light. I wired switches to all GFCI outlets so I can turn them off
> when not in use. I have a rooftop TV antenna amplifier which was "always
> on" and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips (no
> lights) so I could turn on only what I was using. (Like just TV and DVD,
> or playstation, or satellite TV - don't need to have on components which
> are not being used.)
>
> I placed several power strips on my computer stuff. So just computer on -
> printer on separate power strip and off when not in use. Everything
> totally off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small stereos.
> Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so for the
> rest of my life. That's $30 a year or being as my electric bill is now
> under $30 a month - one month of free electricity!
>

You could also flush only every other time, grow your own veggies, only wash
the sheets and towels once a month and shut off your car engine at red
lights or when going down hill...


== 4 of 11 ==
Date: Sun, Feb 15 2009 9:32 am
From: "HeyBub"


Bill wrote:
> I previously posted about re-wiring my doorbell so it would use
> electricity only when the button was pressed. I also went through my
> house and placed everything I could find which was "always on" on a
> switch or power strip.
> I replaced power strips which had lights on them with power strips
> which have no light. I wired switches to all GFCI outlets so I can
> turn them off when not in use. I have a rooftop TV antenna amplifier
> which was "always on" and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips
> (no lights) so I could turn on only what I was using. (Like just TV
> and DVD, or playstation, or satellite TV - don't need to have on
> components which are not being used.)
>
> I placed several power strips on my computer stuff. So just computer
> on - printer on separate power strip and off when not in use.
> Everything totally off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small
> stereos. Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so
> for the rest of my life. That's $30 a year or being as my electric
> bill is now under $30 a month - one month of free electricity!

Yeah, but it costs you an hour a day to reset all the blinking "12:00"
things.


== 5 of 11 ==
Date: Sun, Feb 15 2009 9:40 am
From: aemeijers


Charlie Darwin wrote:
> "Bill" <billnomailnospamx@yahoo.com> wrote in message
> news:6vqu7pFl4f65U1@mid.individual.net...
>> I previously posted about re-wiring my doorbell so it would use electricity
>> only when the button was pressed. I also went through my house and placed
>> everything I could find which was "always on" on a switch or power strip.
>>
>> I replaced power strips which had lights on them with power strips which
>> have no light. I wired switches to all GFCI outlets so I can turn them off
>> when not in use. I have a rooftop TV antenna amplifier which was "always
>> on" and I wired a switch to that.
>>
>> I placed my entertainment center things on 4 individual power strips (no
>> lights) so I could turn on only what I was using. (Like just TV and DVD,
>> or playstation, or satellite TV - don't need to have on components which
>> are not being used.)
>>
>> I placed several power strips on my computer stuff. So just computer on -
>> printer on separate power strip and off when not in use. Everything
>> totally off when not in use.
>>
>> Placed outlet switches on HEPA air cleaners (have always on timers for
>> filter replacement).
>>
>> Placed power strips (no power on light) on bedroom, garage small stereos.
>> Etc.
>>
>> Anyway my electric bill is now $2.50 per month less and will be so for the
>> rest of my life. That's $30 a year or being as my electric bill is now
>> under $30 a month - one month of free electricity!
>>
>
> You could also flush only every other time, grow your own veggies, only wash
> the sheets and towels once a month and shut off your car engine at red
> lights or when going down hill...
>
>
Oh, please don't encourage the guy. Of course what he is doing is not
time or cost effective, but if it gives him the illusion of having some
control over his universe, so what?

--
aem sends...


== 6 of 11 ==
Date: Sun, Feb 15 2009 9:49 am
From: "1D1OT"

"Charlie Darwin" <cd@evo.net> wrote in message
news:gn9j5i$ijm$1@news.motzarella.org...

> You could also flush only every other time, grow your own veggies, only
> wash the sheets and towels once a month and shut off your car engine at
> red lights or when going down hill...

Why wash towels - aren't we clean when we use them?


== 7 of 11 ==
Date: Sun, Feb 15 2009 9:50 am
From: "Pete C."

Bill wrote:
>
> I previously posted about re-wiring my doorbell so it would use electricity
> only when the button was pressed. I also went through my house and placed
> everything I could find which was "always on" on a switch or power strip.
>
> I replaced power strips which had lights on them with power strips which
> have no light. I wired switches to all GFCI outlets so I can turn them off
> when not in use. I have a rooftop TV antenna amplifier which was "always on"
> and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips (no
> lights) so I could turn on only what I was using. (Like just TV and DVD, or
> playstation, or satellite TV - don't need to have on components which are
> not being used.)
>
> I placed several power strips on my computer stuff. So just computer on -
> printer on separate power strip and off when not in use. Everything totally
> off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small stereos.
> Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so for the
> rest of my life. That's $30 a year or being as my electric bill is now under
> $30 a month - one month of free electricity!

I dropped cable and save $50 per month, every month. I'm saving 20X what
your savings, and I don't have to go to any effort daily for that
savings.


== 8 of 11 ==
Date: Sun, Feb 15 2009 9:53 am
From: Dennis


On Sun, 15 Feb 2009 12:24:12 -0500, clams_casino
<PeterGriffin@DrunkinClam.com> wrote:

>Tony Hwang wrote:
>
>>>
>>>
>> Hi,
>> My electricity costs 7 cents per KWh locked for 5 years. What if you
>> keep powering up/down multiple devices and a surge cause a damage. The
>> repair cost may far exceed the 2.00 per month. If I wanted to save
>> electric energy my way would be using more efficient devices or
>> minimize the usage by careful planning ahead.
>
>
>I'm envious. My last electric bill was 18.5 cents / KWhr.

Mine was $0.059 / kWh (plus a $7 fixed "customer charge"). PUD in the
PNW.


Dennis (evil)
--
My output is down, my income is up, I take a short position on the long bond and
my revenue stream has its own cash flow. -George Carlin


== 9 of 11 ==
Date: Sun, Feb 15 2009 10:36 am
From: "Jon Danniken"


"aemeijers" wrote:
> Oh, please don't encourage the guy. Of course what he is doing is not time
> or cost effective, but if it gives him the illusion of having some control
> over his universe, so what?

It's no problem with the fellow in question, but often folks like that tend
to want to spread their "blessings" onto other people who have not become so
"enlightened", and often by force. That's when it no longer becomes cute
and quirky.

Jon


== 10 of 11 ==
Date: Sun, Feb 15 2009 10:54 am
From: "Rod Speed"


Bill wrote:
> I previously posted about re-wiring my doorbell so it would use
> electricity only when the button was pressed. I also went through my
> house and placed everything I could find which was "always on" on a
> switch or power strip.
> I replaced power strips which had lights on them with power strips
> which have no light. I wired switches to all GFCI outlets so I can
> turn them off when not in use. I have a rooftop TV antenna amplifier
> which was "always on" and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips
> (no lights) so I could turn on only what I was using. (Like just TV
> and DVD, or playstation, or satellite TV - don't need to have on
> components which are not being used.)
>
> I placed several power strips on my computer stuff. So just computer
> on - printer on separate power strip and off when not in use.
> Everything totally off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small
> stereos. Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so for the rest of my life.

Nope, not when you get the oxygen machine.

> That's $30 a year

Pity about the cost of all those plug boards.

> or being as my electric bill is now under $30 a month - one month of free electricity!

You'll have to pardon us if we dont actually cream our jeans or sumfin.


== 11 of 11 ==
Date: Sun, Feb 15 2009 10:59 am
From: "1D1OT"

What do you do about the cost of ironing your socks?

==============================================================================
TOPIC: Living in CO
http://groups.google.com/group/misc.consumers.frugal-living/t/6530b80539a24694?hl=en
==============================================================================

== 1 of 4 ==
Date: Sun, Feb 15 2009 9:33 am
From: George


William Boyd wrote:
> clams_casino wrote:
>> Our son recently took a job between Denver & Boulder CO. It's been
>> some 30 years since we vacationed in the area, but still have fond
>> memories, having enjoyed that memorable vacation very much.
>>
>> When doing a Best Places comparison, the quality of life, taxes,
>> climate & cost of living look appear very attractive. Sales and
>> income taxes appear moderate while property taxes appear very
>> reasonable. As I approach SS, income taxes have a minimal concern
>> where property taxes will likely be the biggest (tax) cost after
>> retirement. Downside appears to be the 100 inches/yr of snow, but the
>> number of sunny days & moderate temperatures for most of the year
>> appear attractive. General cost of living, quality of life and
>> housing costs appear attractive.
>>
>> Any one have thoughts / experience with retirement living in towns
>> just northwest of Denver?
>
> I can not understand why some one would retire in a cold climate.

Interests, change of seasons and quite a few studies that show people
live longer with varying climate.


== 2 of 4 ==
Date: Sun, Feb 15 2009 10:36 am
From: "DanG"


I just received this from one of my other expatriated Colorado
friends. Every one of them rings so true.


You might be from Colorado if:
When:
98% OF AMERICANS SCREAM BEFORE GOING IN THE DITCH ON A
SLIPPERY ROAD. THE OTHER 2% ARE FROM COLORADO AND THEY
SAY, 'HOLD MY BEER AND WATCH THIS.

You're from Colorado if you'll eat ice cream in the winter.

When the weather report says it's going to be 65 degrees , you
shave
your legs and wear a skirt

It snows 5 inches and you don't expect school to be cancelled.

You'll wear flip flops every day of the year, regardless of
temperature.

You have no accent at all, but can hear other people's. And then
you
make fun of them.

'Humid' is over 25%.

Your sense of direction is: Toward the mountains and Away from the
mountains.

You say 'the interstate' and everybody knows which one.

You think that May is a totally normal month for a blizzard.

You buy your flowers to set out on Mother's day, but try and hold
off
planting them until just before Father's day.

You grew up planning your Halloween costumes around your coat.

You know what the Continental Divide is.

You don't think Coors beer is that big a deal.

You went to Casa Bonita as a kid, and as an adult.

You've gone off-roading in a vehicle that was never intended for
such
activities.

You always know the elevation of where you are.

You wake up to a beautiful, 80 degree day and you wonder if it's
going
to snow tomorrow.

You don't care that some company renamed it, the Broncos still
play at
Mile High.

Every movie theater has military and student discounts.

Everybody wears jeans to church.

You actually know that ** South Park ** is a real place not just
a show
on TV.

You know what a 'trust fund hippy' is, and you know its natural
habitat
is Boulder

You know you're talking to a fellow Coloradoan when they call it
Elitches, not Six Flags.

A bear on your front porch doesn't bother you.

Your two favorite teams are the Broncos and whoever is beating the
crap out of the Raiders.

When people out East tell you they have mountains in their state
too,
you just laugh.

You go anywhere else on the planet and the air feels 'sticky' and
you
notice the sky is no longer blue.

FORWARD IF YOU LIVE IN OR ARE FROM COLORADO !!!

--
______________________________
Keep the whole world singing . . . .
DanG (remove the sevens)
dgriff237@7cox.net

"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:ErXll.4436$_U5.728@newsfe20.iad...
> Our son recently took a job between Denver & Boulder CO. It's
> been some 30 years since we vacationed in the area, but still
> have fond memories, having enjoyed that memorable vacation very
> much.
>
> When doing a Best Places comparison, the quality of life, taxes,
> climate & cost of living look appear very attractive. Sales and
> income taxes appear moderate while property taxes appear very
> reasonable. As I approach SS, income taxes have a minimal
> concern where property taxes will likely be the biggest (tax)
> cost after retirement. Downside appears to be the 100 inches/yr
> of snow, but the number of sunny days & moderate temperatures
> for most of the year appear attractive. General cost of living,
> quality of life and housing costs appear attractive.
>
> Any one have thoughts / experience with retirement living in
> towns just northwest of Denver?


== 3 of 4 ==
Date: Sun, Feb 15 2009 10:51 am
From: "Joan F \(MI\)"


One of my daughters lives in Boulder and loves it. The weather is very
strange, one day it will be 70, the next day it will snow and then in a
couple of days it will be 50.

clams_casino wrote:
| Our son recently took a job between Denver & Boulder CO. It's been
| some 30 years since we vacationed in the area, but still have fond
| memories, having enjoyed that memorable vacation very much.
|
| When doing a Best Places comparison, the quality of life, taxes,
| climate & cost of living look appear very attractive. Sales and
| income taxes appear moderate while property taxes appear very
| reasonable. As I approach SS, income taxes have a minimal concern
| where property taxes will likely be the biggest (tax) cost after
| retirement. Downside appears to be the 100 inches/yr of snow, but
| the number of sunny days & moderate temperatures for most of the year
| appear attractive. General cost of living, quality of life and
| housing costs appear attractive.
|
| Any one have thoughts / experience with retirement living in towns
| just northwest of Denver?


== 4 of 4 ==
Date: Sun, Feb 15 2009 10:53 am
From: "Joan F \(MI\)"


To each his own, I don't understand how people can stand to live in Florida.

--
Retired in Michigan


William Boyd wrote:
|
| I can not understand why some one would retire in a cold climate.

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

== 1 of 8 ==
Date: Sun, Feb 15 2009 10:03 am
From: josejarvie@ssnet.net


On Sun, 15 Feb 2009 00:14:33 -0700, in misc.consumers.frugal-living Winston_Smith <not_real@bogus.net> wrote:

>You can have inflation in one area and deflation in another. Esk
>can't understand that.
>
>I'll bet your stocks and the value of your house is deflating.
>I'll bet your grocery bill is inflating.


Last year we saw relatively dramatic increases in inflation but at the same time unemployment went up.
Inflation was high because the price of oil reached all time highs and the cost of transporting all materials
went up with the increase in oil prices.
At the same time farmers began to sell more of their corn to make fuel instead of food. The reduced food corn
supply caused the price of food corn to up. Then the price of meat and dairy products went up because
animals are fed are fed with corn.


Stock and houses were inflated artificially with bubbles. The stock and housing bubbles are now correcting
back to more rational values. Groceries were going up with the price of oil but the oil bubble has now burst
so why aren't food prices going down? With unemployment on the rise the demand for expensive foods will go
down.


== 2 of 8 ==
Date: Sun, Feb 15 2009 10:03 am
From: Gunner Asch


On Sun, 15 Feb 2009 08:20:28 -0500, Strabo <strabo@flashlight.net>
wrote:

>
>In other words gentlemen, we're going back to ca 1957, and you won't
>be able to take technocracy with you.


Why not?

"Upon Roosevelt's death in 1945, H. L. Mencken predicted in his diary
that Roosevelt would be remembered as a great president, "maybe even
alongside Washington and Lincoln," opining that Roosevelt "had every
quality that morons esteem in their heroes.""


== 3 of 8 ==
Date: Sun, Feb 15 2009 10:55 am
From: EskWIRED@spamblock.panix.com


In misc.survivalism Winston_Smith <not_real@bogus.net> wrote:
> EskWIRED@spamblock.panix.com wrote:

> >In misc.survivalism Jones <jones@jones.com> wrote:
> >
> >> > I see no mitigating indicators in the near term to replace those which will inevitably peter out.
> >
> >> Because you dont have a clue about the basics.
> >
> >That is increasing apparent.
> >
> >Winston - this stuff interests you. But you are confused about basic
> >relationships. You'd enjoy these discussion more if you were on
> >solid ground.

> Who on earth are you talking to? I'm not in this sub thread. Do try
> to get a grip, man!

WTF?

--
The whole problem with the world is that fools and fanatics are always so
certain of themselves, but wiser people so full of doubts.
-- Bertrand Russell

== 4 of 8 ==
Date: Sun, Feb 15 2009 10:57 am
From: EskWIRED@spamblock.panix.com


In misc.survivalism Winston_Smith <not_real@bogus.net> wrote:

> Stagflation does not require anything as specific as double digit
> inflation.

OK, I'll bite. If Stagflation does not require double digit inflation,
then what DOES it require?


--
The whole problem with the world is that fools and fanatics are always so
certain of themselves, but wiser people so full of doubts.
-- Bertrand Russell

== 5 of 8 ==
Date: Sun, Feb 15 2009 10:59 am
From: EskWIRED@spamblock.panix.com


In misc.survivalism Winston_Smith <not_real@bogus.net> wrote:
> EskWIRED@spamblock.panix.com wrote:

> >In misc.survivalism Ed Huntress <huntres23@optonline.net> wrote:
> >
> >> <EskWIRED@spamblock.panix.com> wrote in message
> >> news:gk2ntk$ih9$2@reader1.panix.com...
> >> > In misc.survivalism Curly Surmudgeon <CurlySurmudgeon@live.com> wrote:
> >> >
> >> >> I wonder if it's possible to simultaneously suffer both deflation and
> >> >> inflation?
> >> >
> >> > Winston says Yes.
> >
> >> Winston be wrong. You can have inflation and a contracting economy
> >> (stagflation), or deflation and a contracting economy (recession), but you
> >> can't have aggregate inflation and aggregate deflation at the same time.
> >
> >Yep. But try to tell him that, and he will change the subject.

> But you keep telling me it's wrong for me to keep going back to the
> same subject.

Somehow, I don't think so.


I'll do it your way. Do you have a way or do you just
> run off at the mouth?

I have no idea of what point you are trying to make.

--
The whole problem with the world is that fools and fanatics are always so
certain of themselves, but wiser people so full of doubts.
-- Bertrand Russell

== 6 of 8 ==
Date: Sun, Feb 15 2009 11:01 am
From: EskWIRED@spamblock.panix.com


In misc.survivalism Winston_Smith <not_real@bogus.net> wrote:

> >Winston be wrong. You can have inflation and a contracting economy
> >(stagflation), or deflation and a contracting economy (recession), but you
> >can't have aggregate inflation and aggregate deflation at the same time.

> You can have inflation in one area and deflation in another. Esk
> can't understand that.

You seem to have ignored the word "aggregate". But you are welcome to
play again.

--
The whole problem with the world is that fools and fanatics are always so
certain of themselves, but wiser people so full of doubts.
-- Bertrand Russell

== 7 of 8 ==
Date: Sun, Feb 15 2009 11:03 am
From: EskWIRED@spamblock.panix.com


In misc.survivalism Ed Huntress <huntres23@optonline.net> wrote:

> "Winston_Smith" <not_real@bogus.net> wrote in message

> > Still the market deflates. Esk will
> > explain why this isn't really happening in his little world.

> I don't know about his world. What I'm talking about is the economic world
> as it's presently understood and how it influences policy.

Thanks, Ed. You suffer fools more gladly than I.

--
The whole problem with the world is that fools and fanatics are always so
certain of themselves, but wiser people so full of doubts.
-- Bertrand Russell

== 8 of 8 ==
Date: Sun, Feb 15 2009 11:11 am
From: "Ed Huntress"

<EskWIRED@spamblock.panix.com> wrote in message
news:gn9ouf$nem$7@reader1.panix.com...
> In misc.survivalism Ed Huntress <huntres23@optonline.net> wrote:
>
>> "Winston_Smith" <not_real@bogus.net> wrote in message
>
>> > Still the market deflates. Esk will
>> > explain why this isn't really happening in his little world.
>
>> I don't know about his world. What I'm talking about is the economic
>> world
>> as it's presently understood and how it influences policy.
>
> Thanks, Ed. You suffer fools more gladly than I.

I don't think the main problem here is fools, although there are a few very
weird ones -- or ones wearing very weird personnas. The main problem is...

...too much to get into. d8-)

>
> --
> The whole problem with the world is that fools and fanatics are always so
> certain of themselves, but wiser people so full of doubts.
> -- Bertrand Russell

Maybe that's it.

--
Ed Huntress

==============================================================================
TOPIC: Bubbles are caused by excessive credit.
http://groups.google.com/group/misc.consumers.frugal-living/t/d06a55cb7610180d?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Feb 15 2009 10:53 am
From: "Bill Bonde { No matter what happens, it's caused by global warming )"


B1ackwater wrote:
>
> "(David P.)" <imbibe@mindspring.com> wrote:
>
> >The main cause of the Population Bubble is also
> >excessive credit, i.e., saying that everyone is a
> >valuable asset as long as they live.
> >L I K E H E L L T H E Y A R E ! !
> >Hordes are no longer viable, due to infirmity,
> >and become a drag on the system.
>
> Been watching "Logans Run" too much I see .....
>
> However, you're not ENTIRELY wrong.
>
> A deliberate effort to poop on the value/virtue
> of mega-motherhood is needed. Breeding alone ought
> not earn anyone any favors or respect.
>
The problem is that the people who should be reproducing either
aren't or aren't reproducing enough and the ones who should be kind
of holding back on the megasized families aren't holding back. Much
of the first world is seeing either zero population growth or
negative growth, excluding immigration.

The idea that old people are a drag on society is wrong. Of course
old people who are very sick or whose mentally facilities have been
lost are a cost, but it might take people until old age before they
figure something important out.

--
He and Evie soon fell into a conversation of the "No, I didn't;
yes, you did" type--conversation which, though fascinating to those
who are engaged in it, neither desires nor deserves the attention
of others.
-+E.M. Forster, "Howards End"


== 2 of 2 ==
Date: Sun, Feb 15 2009 10:56 am
From: "Bill Bonde { No matter what happens, it's caused by global warming )"


"John A. Weeks III" wrote:
>
> In article
> <0f7f84fa-962a-4b26-892c-d347ebdd8dfd@j35g2000yqh.googlegroups.com>,
> "(David P.)" <imbibe@mindspring.com> wrote:
>
> > The main cause of the Population Bubble is also
> > excessive credit,
>
> If that were true, then the highest birth rate should be
> in countries that have the most available consumer credit.
> But the facts show the countries with more available credit
> actually have lower birth rates, and the highest birth rates
> are in countries with little or no consumer credit available.
> Therefore, your assertion is 100% wrong.
>
High birth rates in general are caused by the uncertainty that the
children you've already had will survive. Of course negative birth
rates can be seen as related to the cost of having children. In the
first world, the cost can be enormous.

--
He and Evie soon fell into a conversation of the "No, I didn't;
yes, you did" type--conversation which, though fascinating to those
who are engaged in it, neither desires nor deserves the attention
of others.
-+E.M. Forster, "Howards End"


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misc.consumers.frugal-living - 25 new messages in 10 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:

* Bubbles are caused by excessive credit. - 6 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/d06a55cb7610180d?hl=en
* * Hot Teen Boobs Videos - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/8ea2ec7d6b3071ea?hl=en
* OT - Survivalism Retail Style - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/da641b3711ca2726?hl=en
* The Problem With Whites ( Kevin MacDonald ) - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/1dffaa9574b66c0c?hl=en
* Reports - Mexican epidemics of diabetes, obesity, liver cirrhosis - just
sneak into U.S, gringo suckers FORCED to pay medical bills! - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/t/2ea92f6a9faf1ee8?hl=en
* America is doomed without industrial restoration - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/3ac833194943bee0?hl=en
* pl see open and remove your stress and enjoy the happyness in our life
continuously reg - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/48521ca51ef83dc8?hl=en
* Warning about Fieldbreeze clf light bulbs - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/7001956c61da27d6?hl=en
* Doorbell, etc. - Saving $2.50 per month! - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/f28ae8d29331218e?hl=en
* Living in CO - 7 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/6530b80539a24694?hl=en

==============================================================================
TOPIC: Bubbles are caused by excessive credit.
http://groups.google.com/group/misc.consumers.frugal-living/t/d06a55cb7610180d?hl=en
==============================================================================

== 1 of 6 ==
Date: Sat, Feb 14 2009 10:57 pm
From: B1ackwater


"(David P.)" <imbibe@mindspring.com> wrote:

>The main cause of the Population Bubble is also
>excessive credit, i.e., saying that everyone is a
>valuable asset as long as they live.
>L I K E H E L L T H E Y A R E ! !
>Hordes are no longer viable, due to infirmity,
>and become a drag on the system.

Been watching "Logans Run" too much I see .....

However, you're not ENTIRELY wrong.

A deliberate effort to poop on the value/virtue
of mega-motherhood is needed. Breeding alone ought
not earn anyone any favors or respect.

== 2 of 6 ==
Date: Sun, Feb 15 2009 12:28 am
From: "Rod Speed"


David P. wrote

> The main cause of the Population Bubble is also excessive credit,

Thanks for that completely superfluous proof that you have never ever had a fucking clue about anything at all, ever.

The only place population growth occurs now is in 3rd world countrys which have fuck all credit, let alone excessive
credit.

> i.e., saying that everyone is a valuable asset as long as they live.
> L I K E H E L L T H E Y A R E ! !
> Hordes are no longer viable, due to infirmity, and become a drag on the system.

And then there's the drunks.


== 3 of 6 ==
Date: Sun, Feb 15 2009 5:48 am
From: "John A. Weeks III"


In article
<0f7f84fa-962a-4b26-892c-d347ebdd8dfd@j35g2000yqh.googlegroups.com>,
"(David P.)" <imbibe@mindspring.com> wrote:

> The main cause of the Population Bubble is also
> excessive credit,

If that were true, then the highest birth rate should be
in countries that have the most available consumer credit.
But the facts show the countries with more available credit
actually have lower birth rates, and the highest birth rates
are in countries with little or no consumer credit available.
Therefore, your assertion is 100% wrong.

-john-

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


== 4 of 6 ==
Date: Sun, Feb 15 2009 5:52 am
From: "betweentheeyes"


"(David P.)" <imbibe@mindspring.com> wrote in message
news:0f7f84fa-962a-4b26-892c-d347ebdd8dfd@j35g2000yqh.googlegroups.com...
> The main cause of the Population Bubble is also
> excessive credit, i.e., saying that everyone is a
> valuable asset as long as they live.
> L I K E H E L L T H E Y A R E ! !
> Hordes are no longer viable, due to infirmity,
> and become a drag on the system.
> .

Actually, it is a statically proven event that Population Bubble (s) are
caused by liberal Democrats.


== 5 of 6 ==
Date: Sun, Feb 15 2009 7:12 am
From: "John A. Weeks III"


In article <k6Vll.377$Bl.280@nwrddc01.gnilink.net>,
"betweentheeyes" <betweentheeyes@supportingthesecond.org> wrote:

> "(David P.)" <imbibe@mindspring.com> wrote in message
> news:0f7f84fa-962a-4b26-892c-d347ebdd8dfd@j35g2000yqh.googlegroups.com...
> > The main cause of the Population Bubble is also
> > excessive credit, i.e., saying that everyone is a
> > valuable asset as long as they live.
> > L I K E H E L L T H E Y A R E ! !
> > Hordes are no longer viable, due to infirmity,
> > and become a drag on the system.
> > .
>
> Actually, it is a statically proven event that Population Bubble (s) are
> caused by liberal Democrats.

So that is why population boomed in China under a totalitarian
government? Like other wild assertions made by neo-conservatives,
this one is also blatantly false.

-john-

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


== 6 of 6 ==
Date: Sun, Feb 15 2009 8:23 am
From: Klaus Schadenfreude


In talk.politics.guns "(David P.)" <imbibe@mindspring.com> wrote:

>The main cause of the Population Bubble is also
>excessive credit

The main cause is food production and advances in medicine.
http://www.commondreams.org/views07/0118-33.htm

==============================================================================
TOPIC: * Hot Teen Boobs Videos
http://groups.google.com/group/misc.consumers.frugal-living/t/8ea2ec7d6b3071ea?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 12:12 am
From: 2chronicles8v18@gmail.com


Amazing http://imival.blogspot.com/ all these barely legal babes burn
it up fast with their gyrating mammoth mounds of sensuous sands of
titalating termultuous tazering taps of turbulent tasles, Enjoy

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

== 1 of 3 ==
Date: Sun, Feb 15 2009 2:31 am
From: "Ed Huntress"

"Winston_Smith" <not_real@bogus.net> wrote in message
news:brffp4tp2cnmgvp0d5sfvk713gdte1re5j@4ax.com...
> "Ed Huntress" <huntres23@optonline.net> wrote:
>
>>
>><EskWIRED@spamblock.panix.com> wrote in message
>>news:gk2ntk$ih9$2@reader1.panix.com...
>>> In misc.survivalism Curly Surmudgeon <CurlySurmudgeon@live.com> wrote:
>>>
>>>> I wonder if it's possible to simultaneously suffer both deflation and
>>>> inflation?
>>>
>>> Winston says Yes.
>>
>>Winston be wrong. You can have inflation and a contracting economy
>>(stagflation), or deflation and a contracting economy (recession), but you
>>can't have aggregate inflation and aggregate deflation at the same time.
>
> You can have inflation in one area and deflation in another. Esk
> can't understand that.
>
> I'll bet your stocks and the value of your house is deflating.
> I'll bet your grocery bill is inflating.

That's why it's best to confine the terms "inflation" and "deflation" to
aggregate, economy-wide effects. It just confuses the issues to mix those
aggregate rises and declines that are related to money-supply or
currency-value issues, or to GDP growth or shrinkage, with the price
increases and declines that occur in different sectors. The latter are
supply/demand issues, even if the demand is purely speculative.

The aggregate effects tell you about the state of an economy. The sector
effects tell you that something different is going on in different sectors.
They're different issues. Everyone has gotten a little loose in their use of
the terms inflation and deflation so now it's hard to tell what the hell is
going on or what it is they're talking about.

>
> It's Esk's oversimplification that asset/commodity values and retail
> prices are somehow magically linked. Take that up with him.

If you have aggregate inflation or deflation, they *are* linked. However,
effects going on in different sectors can be stronger than overall inflation
or deflation, so those sector effects can mask the aggregate effects in
specific sectors.

Again, that's why it just confuses things to talk about inflation or
deflation in a particular sector.

>
> Hasn't the Bush/Obama teams' answer to stock market deflation been to
> inflate the money supply?

No. Their answer to *declining demand* has been to inflate the money supply.
That's the monetary policy that's usually followed first to deal with
falling demand.

The stock market isn't something that policy deals with directly. It tends
to have a life of its own, but it does, in the long run, reflect what's
going on in the economy.

> Still the market deflates. Esk will
> explain why this isn't really happening in his little world.

I don't know about his world. What I'm talking about is the economic world
as it's presently understood and how it influences policy.

--
Ed Huntress


== 2 of 3 ==
Date: Sun, Feb 15 2009 5:20 am
From: Strabo


Ed Huntress wrote:
> "Winston_Smith" <not_real@bogus.net> wrote in message
> news:brffp4tp2cnmgvp0d5sfvk713gdte1re5j@4ax.com...
>> "Ed Huntress" <huntres23@optonline.net> wrote:
>>
>>> <EskWIRED@spamblock.panix.com> wrote in message
>>> news:gk2ntk$ih9$2@reader1.panix.com...
>>>> In misc.survivalism Curly Surmudgeon <CurlySurmudgeon@live.com> wrote:
>>>>
>>>>> I wonder if it's possible to simultaneously suffer both deflation and
>>>>> inflation?
>>>> Winston says Yes.
>>> Winston be wrong. You can have inflation and a contracting economy
>>> (stagflation), or deflation and a contracting economy (recession), but you
>>> can't have aggregate inflation and aggregate deflation at the same time.
>> You can have inflation in one area and deflation in another. Esk
>> can't understand that.
>>
>> I'll bet your stocks and the value of your house is deflating.
>> I'll bet your grocery bill is inflating.
>
> That's why it's best to confine the terms "inflation" and "deflation" to
> aggregate, economy-wide effects. It just confuses the issues to mix those
> aggregate rises and declines that are related to money-supply or
> currency-value issues, or to GDP growth or shrinkage, with the price
> increases and declines that occur in different sectors. The latter are
> supply/demand issues, even if the demand is purely speculative.
>

But there is no "aggregate, economy-wide effects". Different parts
act in different ways during the same time frame. Politicians want a
simple label to simplify spinning their BS. Same way with ideologies.
There is no 'left' or 'right' political spectrum. Either you have
rights and power or you do not. I hope the day of the politician is
over.

For example, real estate will have to be priced lower to accommodate
fewer buyers and a weakened dollar. There are excepted areas but that
will be the tendency. Expect 1960s or earlier house prices within a few
years. But don't hold on to dollars expecting to later make a killing
because the purchasing power of the dollar will fall.

In other words gentlemen, we're going back to ca 1957, and you won't
be able to take technocracy with you.


>
> The aggregate effects tell you about the state of an economy. The sector
> effects tell you that something different is going on in different sectors.
> They're different issues. Everyone has gotten a little loose in their use of
> the terms inflation and deflation so now it's hard to tell what the hell is
> going on or what it is they're talking about.
>
>> It's Esk's oversimplification that asset/commodity values and retail
>> prices are somehow magically linked. Take that up with him.
>
> If you have aggregate inflation or deflation, they *are* linked. However,
> effects going on in different sectors can be stronger than overall inflation
> or deflation, so those sector effects can mask the aggregate effects in
> specific sectors.
>
> Again, that's why it just confuses things to talk about inflation or
> deflation in a particular sector.
>
>> Hasn't the Bush/Obama teams' answer to stock market deflation been to
>> inflate the money supply?
>
> No. Their answer to *declining demand* has been to inflate the money supply.
> That's the monetary policy that's usually followed first to deal with
> falling demand.
>
> The stock market isn't something that policy deals with directly. It tends
> to have a life of its own, but it does, in the long run, reflect what's
> going on in the economy.
>
>> Still the market deflates. Esk will
>> explain why this isn't really happening in his little world.
>
> I don't know about his world. What I'm talking about is the economic world
> as it's presently understood and how it influences policy.
>
> --
> Ed Huntress
>


== 3 of 3 ==
Date: Sun, Feb 15 2009 8:50 am
From: "Ed Huntress"

"Strabo" <strabo@flashlight.net> wrote in message
news:FCUll.10686$lk5.9712@newsfe13.iad...
> Ed Huntress wrote:
>> "Winston_Smith" <not_real@bogus.net> wrote in message
>> news:brffp4tp2cnmgvp0d5sfvk713gdte1re5j@4ax.com...
>>> "Ed Huntress" <huntres23@optonline.net> wrote:
>>>
>>>> <EskWIRED@spamblock.panix.com> wrote in message
>>>> news:gk2ntk$ih9$2@reader1.panix.com...
>>>>> In misc.survivalism Curly Surmudgeon <CurlySurmudgeon@live.com> wrote:
>>>>>
>>>>>> I wonder if it's possible to simultaneously suffer both deflation and
>>>>>> inflation?
>>>>> Winston says Yes.
>>>> Winston be wrong. You can have inflation and a contracting economy
>>>> (stagflation), or deflation and a contracting economy (recession), but
>>>> you
>>>> can't have aggregate inflation and aggregate deflation at the same
>>>> time.
>>> You can have inflation in one area and deflation in another. Esk
>>> can't understand that.
>>>
>>> I'll bet your stocks and the value of your house is deflating.
>>> I'll bet your grocery bill is inflating.
>>
>> That's why it's best to confine the terms "inflation" and "deflation" to
>> aggregate, economy-wide effects. It just confuses the issues to mix those
>> aggregate rises and declines that are related to money-supply or
>> currency-value issues, or to GDP growth or shrinkage, with the price
>> increases and declines that occur in different sectors. The latter are
>> supply/demand issues, even if the demand is purely speculative.
>>
>
> But there is no "aggregate, economy-wide effects".

Yes there are, and you can measure them with a variety of summary measures,
ranging from GDP growth rates to currency exchange rates.

> Different parts
> act in different ways during the same time frame.

Of course. But inflation and deflation are measures of how they're connected
in a mutually reinforcing way. Employment rates and consumption rates, for
example. Some sectors are always countercyclical. There are people who make
their livings picking out which sectors those will be.

But on a macro scale, it matters whether you have aggregate inflation or
deflation. Once one takes hold in a big way it influences practically every
sector. And once one or the other is dominant, most sectors start feeding on
the spiral and forcing it all in the same direction. That's why aggregate
effects are the key issue: they often dominate the whole economy. Rarely
does one sector swing an economy around all by itself. People keep trying to
pin the current situation on a single sector -- housing speculation, or
financial derivatives -- but it's not that simple. One sector may act as a
trigger but it's the aggregate consequences that matter.

> Politicians want a
> simple label to simplify spinning their BS. Same way with ideologies.
> There is no 'left' or 'right' political spectrum. Either you have
> rights and power or you do not. I hope the day of the politician is
> over.

I was with you up until the last sentence. d8-) For the latter, see
Aristotle, _The Politics_.

>
> For example, real estate will have to be priced lower to accommodate
> fewer buyers and a weakened dollar. There are excepted areas but that
> will be the tendency. Expect 1960s or earlier house prices within a few
> years. But don't hold on to dollars expecting to later make a killing
> because the purchasing power of the dollar will fall.
>
> In other words gentlemen, we're going back to ca 1957, and you won't
> be able to take technocracy with you.

The bottom in real estate is replacement value plus land value. Land value
is very sensitive to the state of the economy, but even more sensitive to
local supply and demand. Replacement value can get out of wack when there is
lots of building going on, as there was until recently.

But 1960s prices are far below even replacement value alone. I was selling
Cape Cods in Lansing, Michigan for $18,000 in 1970, and "colonials" for
$26,000. That's far below the materials costs plus minimum-wage labor today.

I'm not a betting man but I doubt if house prices will fall in most regions
of the country by more than another 15%, or possibly 20% tops. That would be
the "real" bottom, IMO. But the nationwide averages could drop more than
that, because there are many overbuilt areas where there was lots of
speculative building but there just aren't going to be any buyers at all,
unless there is enough growth in local employment to make people able to
live there again.

BTW, house prices in my town are moving up slowly, but steadily, and only
took a slight two-month dip in early 2007. This is an area that's fully
built and what you're seeing is straight supply/demand effects in a mature
market. There are plenty of such places around the country, but they're not
the ones you hear about.

--
Ed Huntress

==============================================================================
TOPIC: The Problem With Whites ( Kevin MacDonald )
http://groups.google.com/group/misc.consumers.frugal-living/t/1dffaa9574b66c0c?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 2:38 am
From: Day Brown


On Sat, 14 Feb 2009 16:11:41 -0800, hpope wrote:
>> http://www.theoccidentalobserver.net/articles/MacDonald-Hsu.html
>>
>> Disclaimer
>>
>> MainPagehttp://www.rense.com
>>
>> This Site Served by TheHostPros
>
> Take some time to read this article which offers real insights.
And blindsidedness. The levantine religions are being abandoned by modern
young women who are seeking their own ethnic roots with 'wicca'. Which
makes the question of the Jews a dead issue.

==============================================================================
TOPIC: Reports - Mexican epidemics of diabetes, obesity, liver cirrhosis -
just sneak into U.S, gringo suckers FORCED to pay medical bills!
http://groups.google.com/group/misc.consumers.frugal-living/t/2ea92f6a9faf1ee8?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 2:55 am
From: wismel@yahoo.com


On Sat, 14 Feb 2009 17:33:49 -0800 (PST),
"GeorgeWashingtonAdmirer@adelphia.com" <guybannister58@aol.com> wrote:

>EXHIBIT 1:
>
>Mexico pays price for obesity trend
>February 9 2009
>http://www.ft.com/cms/s/0/81779544-f6ca-11dd-8a1f-0000779fd2ac.html?nclick_check=1
>
>Excerpt:
>
> "Obesity-related illnesses are now so widespread that they are
>beginning to place a severe strain on the health system: the treatment
>of type 2 diabetes alone consumes more than one-third of the entire
>social security budget. Estimates suggest that within five years it
>will account for two-thirds ..."
>
>EXHIBIT 2:
>
>Overweight Hispanic Children At Significant Risk For Pre-Diabetes
>13 Aug 2008
>http://www.medicalnewstoday.com/articles/118070.php
>
>Excerpt:
>
> "A study by researchers at the University of Southern California
>(USC) found that overweight Hispanic children are at significant risk
>for pre-diabetes ...With a population of more than 35 million,
>Hispanics are the largest and fastest growing minority group in the
>United States [due primarily to its massive illegal entry into the
>united states -GWA] ..."
>
>EXHIBIT 3:
>
>US Study Finds Latino Children More Likely Obese
>5 June 2006
>http://www.redorbit.com/news/health/527946/us_study_finds_latino_children_more_likely_obese/index.html
>
>Excerpt:
>
> "CHICAGO (Reuters) - U.S. Latino youngsters are more likely to
>become obese by age 3 than black or white children, for reasons that
>can not be explained by factors such as income and maternal education,
>a study said on Monday ... "
>
>EXHIBIT 4:
>
>Liver cirrhosis is not just a 'black' disease anymore
>http://www.scienceblog.com/community/older/2001/A/200110250.html
>
>Excerpt:
>
> "A new study has found that white Americans of Hispanic origin now
>have a greater risk of dying from cirrhosis than do black
>Americans ... the largest group was of Mexican ancestry. [i.e. Mexican
>illegal aliens - GWA]"
>++++++++++++++++++++++++++++++++++++++++++++
> What Would America's Founders Say?
>
> Democracy is two wolves and a lamb voting on what to have for lunch.
> Liberty is a well armed lamb contesting the vote.
> -- Benjamin Franklin
>
>"It does not take a majority to prevail ... but rather an irate,
> tireless minority, keen on setting brushfires of freedom in the
> minds of men."
> --Samuel Adams
>
> No free man shall ever be debarred the use of arms.
> -- Thomas Jefferson
>
> The strongest reason for the people to retain the right to
>keep and bear arms is, as a last resort, to protect themselves
>against tyranny in government.
> -- Thomas Jefferson
>
> If the freedom of speech is taken away then dumb and
> silent we may be led, like sheep, to the slaughter.
> -- George Washington
>
> If the representatives of the people betray their constituents,
>there is then no resource left but in the exertion of that
>original right of self-defense which is paramount to all positive
>forms of government ... The citizens must rush tumultuously to
>arms, without concert, without system, without resource;
>except in their courage and despair ...
> The natural strength of the people in a large community, in
>proportion to the artificial strength of the government, is greater
>than in a small ... the people, without exaggeration, may be said
>to be entirely the masters of their own fate.
> -- Alexander Hamilton
>
> We in America do not have government by the majority.
>We have government by the majority who participate.
> -- Thomas Jefferson
>
> All tyranny needs to gain a foothold is for people of good
>conscience to remain silent.
> -- Thomas Jefferson
>
> Every government degenerates when trusted to the rulers of
>the people alone. The people themselves are its only safe
>depositories.
> -- Thomas Jefferson
>
> As our enemies have found we can reason like men, so now
>let us show them we can fight like men also.
> -- Thomas Jefferson
>
> Don't talk about what you have done or what you are going
>to do.
> -- Thomas Jefferson
>
> Every citizen should be a soldier. This was the case with the
>Greeks and Romans, and must be that of every free state.
> -- Thomas Jefferson
>
> Do you want to know who you are? Don't ask. Act! Action will
>delineate and define you.
> -- Thomas Jefferson
>
> Merchants have no country. The mere spot they stand on
>does not constitute so strong an attachment as that from which
>they draw their gains.
> -- Thomas Jefferson
>
> I hope we shall crush in its birth the aristocracy of our monied
>corporations which dare already to challenge our government to
>a trial by strength, and bid defiance to the laws of our country.
> -- Thomas Jefferson
>
> I believe that banking institutions are more dangerous to our
>liberties than standing armies.
> -- Thomas Jefferson
>
> Experience hath shewn, that even under the best forms of government
>those entrusted with power have, in time, and by slow operations,
>perverted it into tyranny.
> -- Thomas Jefferson
>
Uncle Suckemoff wants you to pay for these diseased invaders. Medical
systems in southwest, bankrupt or nearly so.

http://wvwnews.net/ Western Voices World News

ted
>
>

==============================================================================
TOPIC: America is doomed without industrial restoration
http://groups.google.com/group/misc.consumers.frugal-living/t/3ac833194943bee0?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 5:20 am
From: Hiccum Blurpaedius


On Feb 12, 6:26 am, wis...@yahoo.com wrote:
> All the bailouts... and the stimulii...all the hot air....the debt...
> the debt servicing... they DON"T MATTER
>
> In the long run it all comes down to loss of US productivity.. the
> loss of US created wealth.
> Unless the US can rebuild its manufacturing capability it will be a
> long slide into a third world level of subsistence.
>
> Generating paper has never saved a country from its expoitators.
>
> The only solution is to withdarw from the WTO and allow US workers -
> and only US workers - the ability to make this country into a
> powerhouse again
>
> This morning I was reading Sen. Leathy's comments supporting
> immigration "reform". The old degenerate wants more immigrants!
>
> http://www.numbersusa.com/ Numbers USA
>
> http://www.wvwnews.net/ Western Voices World News
>
> ted

That is the solution.

We manufature criminals.
Then we manufacture drugs to sedate the voters.
Then we allow illegal immigrants into the country.
Then we sedate the voters. Those that refuse will be prosecuted.

Now all we have yo do is sedate the rest of the world so we cam allow
aliens from other planets to work for social security.

Reganomics and the trickle down economy.

==============================================================================
TOPIC: pl see open and remove your stress and enjoy the happyness in our life
continuously reg
http://groups.google.com/group/misc.consumers.frugal-living/t/48521ca51ef83dc8?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 6:17 am
From: "nshreyasri@gmail.com"


pl see open and remove your stress and enjoy the happyness in our
life continuously reg

Pl think a minute. read this tip


The slip between cup and lip : Be Quick and enjoy the life witout
stress
click the following:

The Stress cannot be removed but can be reduced;

**************************************************************************************

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stress doctor

==============================================================================
TOPIC: Warning about Fieldbreeze clf light bulbs
http://groups.google.com/group/misc.consumers.frugal-living/t/7001956c61da27d6?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 15 2009 7:57 am
From: albundy2@mailinator.com


skullu...@live.com wrote:
> pictures of CFL that melted down and burned http://www.execulink.com/~impact/fieldbreeze.htm

Only my experience, but I have been using them for years, both dollar
store and other and only had one brand burn out early. None of the
others have quit and I cycle them on and off quite often. When
Possible, I have purchased name brands like GE or Sylvania that were
on sale for less than $2. CFL bulbs are made differently. They don't
require the gas seal at the base and can be pulled apart without much
effort. I believe they should design a better locking system on
certain models.

==============================================================================
TOPIC: Doorbell, etc. - Saving $2.50 per month!
http://groups.google.com/group/misc.consumers.frugal-living/t/f28ae8d29331218e?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Feb 15 2009 8:29 am
From: "Bill"


I previously posted about re-wiring my doorbell so it would use electricity
only when the button was pressed. I also went through my house and placed
everything I could find which was "always on" on a switch or power strip.

I replaced power strips which had lights on them with power strips which
have no light. I wired switches to all GFCI outlets so I can turn them off
when not in use. I have a rooftop TV antenna amplifier which was "always on"
and I wired a switch to that.

I placed my entertainment center things on 4 individual power strips (no
lights) so I could turn on only what I was using. (Like just TV and DVD, or
playstation, or satellite TV - don't need to have on components which are
not being used.)

I placed several power strips on my computer stuff. So just computer on -
printer on separate power strip and off when not in use. Everything totally
off when not in use.

Placed outlet switches on HEPA air cleaners (have always on timers for
filter replacement).

Placed power strips (no power on light) on bedroom, garage small stereos.
Etc.

Anyway my electric bill is now $2.50 per month less and will be so for the
rest of my life. That's $30 a year or being as my electric bill is now under
$30 a month - one month of free electricity!


== 2 of 3 ==
Date: Sun, Feb 15 2009 8:50 am
From: Tony Hwang


Bill wrote:
> I previously posted about re-wiring my doorbell so it would use electricity
> only when the button was pressed. I also went through my house and placed
> everything I could find which was "always on" on a switch or power strip.
>
> I replaced power strips which had lights on them with power strips which
> have no light. I wired switches to all GFCI outlets so I can turn them off
> when not in use. I have a rooftop TV antenna amplifier which was "always on"
> and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips (no
> lights) so I could turn on only what I was using. (Like just TV and DVD, or
> playstation, or satellite TV - don't need to have on components which are
> not being used.)
>
> I placed several power strips on my computer stuff. So just computer on -
> printer on separate power strip and off when not in use. Everything totally
> off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small stereos.
> Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so for the
> rest of my life. That's $30 a year or being as my electric bill is now under
> $30 a month - one month of free electricity!
>
>
Hi,
My electricity costs 7 cents per KWh locked for 5 years. What if you
keep powering up/down multiple devices and a surge cause a damage. The
repair cost may far exceed the 2.00 per month. If I wanted to save
electric energy my way would be using more efficient devices or minimize
the usage by careful planning ahead.


== 3 of 3 ==
Date: Sun, Feb 15 2009 9:19 am
From: "hallerb@aol.com"


On Feb 15, 11:29�am, "Bill" <billnomailnosp...@yahoo.com> wrote:
> I previously posted about re-wiring my doorbell so it would use electricity
> only when the button was pressed. I also went through my house and placed
> everything I could find which was "always on" on a switch or power strip.
>
> I replaced power strips which had lights on them with power strips which
> have no light. I wired switches to all GFCI outlets so I can turn them off
> when not in use. I have a rooftop TV antenna amplifier which was "always on"
> and I wired a switch to that.
>
> I placed my entertainment center things on 4 individual power strips (no
> lights) so I could turn on only what I was using. (Like just TV and DVD, or
> playstation, or satellite TV - don't need to have on components which are
> not being used.)
>
> I placed several power strips on my computer stuff. So just computer on -
> printer on separate power strip and off when not in use. Everything totally
> off when not in use.
>
> Placed outlet switches on HEPA air cleaners (have always on timers for
> filter replacement).
>
> Placed power strips (no power on light) on bedroom, garage small stereos.
> Etc.
>
> Anyway my electric bill is now $2.50 per month less and will be so for the
> rest of my life. That's $30 a year or being as my electric bill is now under
> $30 a month - one month of free electricity!

congrats how much did you spend for all the power strips etc?

some devices may not like being powered off repeatedly like you are
doing

congress should legislate a power off control for people who desire to
save max energy, a added requirement for energy star

the satellite tv uses off hours to doiwnload guide updates, powered
off completely may get you a aging guide.

We use DVRs which arent compatible with no power. Ours record shows
all day and all nite long

==============================================================================
TOPIC: Living in CO
http://groups.google.com/group/misc.consumers.frugal-living/t/6530b80539a24694?hl=en
==============================================================================

== 1 of 7 ==
Date: Sun, Feb 15 2009 8:31 am
From: clams_casino


Our son recently took a job between Denver & Boulder CO. It's been some
30 years since we vacationed in the area, but still have fond memories,
having enjoyed that memorable vacation very much.

When doing a Best Places comparison, the quality of life, taxes, climate
& cost of living look appear very attractive. Sales and income taxes
appear moderate while property taxes appear very reasonable. As I
approach SS, income taxes have a minimal concern where property taxes
will likely be the biggest (tax) cost after retirement. Downside
appears to be the 100 inches/yr of snow, but the number of sunny days &
moderate temperatures for most of the year appear attractive. General
cost of living, quality of life and housing costs appear attractive.

Any one have thoughts / experience with retirement living in towns just
northwest of Denver?


== 2 of 7 ==
Date: Sun, Feb 15 2009 8:46 am
From: thenantz@gmail.com


On Feb 15, 10:31 am, clams_casino <PeterGrif...@DrunkinClam.com>
wrote:
> Our son recently took a job between Denver & Boulder CO.  It's been some
> 30 years since we vacationed in the area, but still have fond memories,
> having enjoyed that memorable vacation very much.
>
> When doing a Best Places comparison, the quality of life, taxes, climate
> & cost of living look appear very attractive.  Sales and income taxes
> appear moderate while property taxes appear very reasonable.  As I
> approach SS, income taxes have a minimal concern where property taxes
> will likely be the biggest (tax) cost after retirement.  Downside
> appears to be the 100 inches/yr of snow, but the number of sunny days &
> moderate temperatures for most of the year appear attractive.  General
> cost of living, quality of life and housing costs appear attractive.
>
> Any one have thoughts / experience with retirement living in towns just
> northwest of Denver?  

Don't know anything about living there but whenever I think of Denver
I think of all those "white tepees" on the airport roofs. They're
supposed to look like snow covered mt peaks but they sure look like
teepees to me. Also, when flying out of Denver, the pilot announced
that because of a noise ordinance he would have to make a much steeper
ascent than usual. Kinda like a carnival ride.:)

Nantz


== 3 of 7 ==
Date: Sun, Feb 15 2009 8:55 am
From: Capitalist Pig


On 15 fév, 17:46, thena...@gmail.com wrote:
> On Feb 15, 10:31 am, clams_casino <PeterGrif...@DrunkinClam.com>
> wrote:
>
> > Our son recently took a job between Denver & Boulder CO.  It's been some
> > 30 years since we vacationed in the area, but still have fond memories,
> > having enjoyed that memorable vacation very much.
>
> > When doing a Best Places comparison, the quality of life, taxes, climate
> > & cost of living look appear very attractive.  Sales and income taxes
> > appear moderate while property taxes appear very reasonable.  As I
> > approach SS, income taxes have a minimal concern where property taxes
> > will likely be the biggest (tax) cost after retirement.  Downside
> > appears to be the 100 inches/yr of snow, but the number of sunny days &
> > moderate temperatures for most of the year appear attractive.  General
> > cost of living, quality of life and housing costs appear attractive.
>
> > Any one have thoughts / experience with retirement living in towns just
> > northwest of Denver?  
>
> Don't know anything about living there but whenever I think of Denver
> I think of all those "white tepees" on the airport roofs. They're
> supposed to look like snow covered mt peaks but they sure look like
> teepees to me. Also, when flying out of Denver, the pilot announced
> that because of a noise ordinance he would have to make a much steeper
> ascent than usual. Kinda like a carnival ride.:)
>
> Nantz

The person asked if anyone had any experience with retirement town NW
of Denver, You said you don't know anything about living there. Why
did you bother to post anything? Get a life!


== 4 of 7 ==
Date: Sun, Feb 15 2009 9:01 am
From: "DanG"


I grew up in Boulder. Work has taken me elsewhere, but I still
consider Boulder and the front range as home. The Denver smog can
be atrocious when there is a heat inversion, though it is a
limited circumstance and easily dissipated by the winds. Winters
are mild, snow seldom stays on the ground more than a few days.
We never had air conditioning nor did anyone else we knew. There
are plenty of fine arts between Denver and the University.
Restaurants galore. More day trips than you can do in a life
time. Television signals suck as they bounce on the mountains,
but I suppose most have cable today. Hunting and fishing abound.
Professional sports and all the personal sports except surfing,
salt water fishing, and deep sea diving.

I'm starting to wonder why I ever left. I'm sounding like a
chamber of commerce ad.

--
______________________________
Keep the whole world singing . . . .
DanG (remove the sevens)
dgriff237@7cox.net

"clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
news:ErXll.4436$_U5.728@newsfe20.iad...
> Our son recently took a job between Denver & Boulder CO. It's
> been some 30 years since we vacationed in the area, but still
> have fond memories, having enjoyed that memorable vacation very
> much.
>
> When doing a Best Places comparison, the quality of life, taxes,
> climate & cost of living look appear very attractive. Sales and
> income taxes appear moderate while property taxes appear very
> reasonable. As I approach SS, income taxes have a minimal
> concern where property taxes will likely be the biggest (tax)
> cost after retirement. Downside appears to be the 100 inches/yr
> of snow, but the number of sunny days & moderate temperatures
> for most of the year appear attractive. General cost of living,
> quality of life and housing costs appear attractive.
>
> Any one have thoughts / experience with retirement living in
> towns just northwest of Denver?


== 5 of 7 ==
Date: Sun, Feb 15 2009 9:02 am
From: William Boyd


clams_casino wrote:
> Our son recently took a job between Denver & Boulder CO. It's been some
> 30 years since we vacationed in the area, but still have fond memories,
> having enjoyed that memorable vacation very much.
>
> When doing a Best Places comparison, the quality of life, taxes, climate
> & cost of living look appear very attractive. Sales and income taxes
> appear moderate while property taxes appear very reasonable. As I
> approach SS, income taxes have a minimal concern where property taxes
> will likely be the biggest (tax) cost after retirement. Downside
> appears to be the 100 inches/yr of snow, but the number of sunny days &
> moderate temperatures for most of the year appear attractive. General
> cost of living, quality of life and housing costs appear attractive.
>
> Any one have thoughts / experience with retirement living in towns just
> northwest of Denver?

I can not understand why some one would retire in a cold climate.


== 6 of 7 ==
Date: Sun, Feb 15 2009 9:14 am
From: thenantz@gmail.com


On Feb 15, 10:55 am, Capitalist Pig <cochon.capitali...@gmail.com>
wrote:
> On 15 fév, 17:46, thena...@gmail.com wrote:
>
>
>
>
>
> > On Feb 15, 10:31 am, clams_casino <PeterGrif...@DrunkinClam.com>
> > wrote:
>
> > > Our son recently took a job between Denver & Boulder CO.  It's been some
> > > 30 years since we vacationed in the area, but still have fond memories,
> > > having enjoyed that memorable vacation very much.
>
> > > When doing a Best Places comparison, the quality of life, taxes, climate
> > > & cost of living look appear very attractive.  Sales and income taxes
> > > appear moderate while property taxes appear very reasonable.  As I
> > > approach SS, income taxes have a minimal concern where property taxes
> > > will likely be the biggest (tax) cost after retirement.  Downside
> > > appears to be the 100 inches/yr of snow, but the number of sunny days &
> > > moderate temperatures for most of the year appear attractive.  General
> > > cost of living, quality of life and housing costs appear attractive.
>
> > > Any one have thoughts / experience with retirement living in towns just
> > > northwest of Denver?  
>
> > Don't know anything about living there but whenever I think of Denver
> > I think of all those "white tepees" on the airport roofs. They're
> > supposed to look like snow covered mt peaks but they sure look like
> > teepees to me. Also, when flying out of Denver, the pilot announced
> > that because of a noise ordinance he would have to make a much steeper
> > ascent than usual. Kinda like a carnival ride.:)
>
> > Nantz
>
> The person asked if anyone had any experience with retirement town NW
> of Denver, You said you don't know anything about living there. Why
> did you bother to post anything? Get a life!- Hide quoted text -
>
> - Show quoted text -

I told him what to expect at the Denver airport. What did you tell him
about Denver?


== 7 of 7 ==
Date: Sun, Feb 15 2009 9:19 am
From: clams_casino


William Boyd wrote:

> clams_casino wrote:
>
>> Our son recently took a job between Denver & Boulder CO. It's been
>> some 30 years since we vacationed in the area, but still have fond
>> memories, having enjoyed that memorable vacation very much.
>>
>> When doing a Best Places comparison, the quality of life, taxes,
>> climate & cost of living look appear very attractive. Sales and
>> income taxes appear moderate while property taxes appear very
>> reasonable. As I approach SS, income taxes have a minimal concern
>> where property taxes will likely be the biggest (tax) cost after
>> retirement. Downside appears to be the 100 inches/yr of snow, but
>> the number of sunny days & moderate temperatures for most of the year
>> appear attractive. General cost of living, quality of life and
>> housing costs appear attractive.
>>
>> Any one have thoughts / experience with retirement living in towns
>> just northwest of Denver?
>
>
> I can not understand why some one would retire in a cold climate.

75F is tends to be my upper temperature tolerance. My brother in law
has a condo just north of Tampa which he gladly offers us to use for
weeks. We tried it for a week (in February). No thanks - even free.

Our son was previously in Phoenix. We limited our visits to Feb -
March - glad he left.. Same for my wife's relatives in MS - strictly a
winter visit. Went once in July many years ago. Never again.


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