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* DC to AC to DC - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/5872826a6662376f?hl=en
* www.keephotsell.com wholesale NBA Jersey,MLB Jerset, NHL Jersey at low price
. Payment way: , Western Union , MoneyGram , T/T ; Delivery time : 5- 7 days ;
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professional - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/e174da3cef3c34bc?hl=en
* In what way are you LEAST frugal? - 4 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/18003f4ff7c65165?hl=en
* the "economy" and "good news" . - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/3fcb3ffec8403ec3?hl=en
* Finally a Price Dropped for Me - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/eb017626f295f4a6?hl=en
* Guess Who Wants To Continue FLEECING You With OVERDRAFT "Protection"? The U.
S. Repug Empire! - 3 messages, 3 authors
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* www.ebaychinaonline.com Cheap Branded gucci,louis handbags,shoes,belts,
watches,sunglasses,t-shirts,free shipping - 1 messages, 1 author
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* Could you live without clothes dryer? Washer only? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/c7faadfffe8e6e11?hl=en
* U.S. government to steal one hour - 2 messages, 2 authors
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* Review: "How To Live Well Without Owning a Car - Save Money, Breathe Easier,
and Get More Mileage Out of Life" by Chris Balish - 2 messages, 2 authors
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* Banking history note - 1 messages, 1 author
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* How much was your dollar worth, put year in slot - 2 messages, 2 authors
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* Wireless Speakers - 2 messages, 2 authors
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==============================================================================
TOPIC: DC to AC to DC
http://groups.google.com/group/misc.consumers.frugal-living/t/5872826a6662376f?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Nov 1 2009 10:55 am
From: jeff
hchickpea@hotmail.com wrote:
> On Fri, 30 Oct 2009 23:40:30 +0800, "Dave C." <noway@nohow.never>
> wrote:
>
>> On Fri, 30 Oct 2009 21:51:33 -0500
>> jeff <jeff_thies@att.net> wrote:
>>
>>> I'm taking a long car trip with a friend and we want to take along
>>> our laptops. Now we don't have the DC chargers for them, but we of
>>> course have the line chargers.
>>>
>>> Anyone have any experience with running battery charger type
>>> devices off those cigarette lighter AC converters. I know the AC out
>>> of them is rough and I wonder if there was either anything to look
>>> out for in buying a DC to AC converter or if there was any risk to
>>> the electronics.
>>>
>>> Jeff
>> You'll be fine, as far as the laptops go. The laptops will work great,
>> they won't be damaged or anything. Hard part is finding a reliable
>> inverter. After several brands over many years, I've finally settled
>> on DieHard (Sears). They seem to be the only brand that I haven't
>> been able to kill (somehow) after a few months of daily use.
>>
>> You want to aim for a wattage rating approximately twice (or more) of
>> your anticipated maximum wattage needs. That's because inverters are
>> rated for maximum surge current, which they can not sustain reliably
>> for long-term use.
>>
>> For two laptops, get a 400W dual-outlet model. -Dave
>
> FWIW, you can also get a driect to laptop car cord for somewhere
> around $100 at the office supply stores.
I had a tough enough time find an AC charger (that wasn't a fortune
for my odd Lenovo plug) for my laptop when it died! I wish they'd do
some standardizing. Since my laptop requires 19v, seems like to would
need to be upconverted anyways. Maybe next laptop I'll try that.
My buddy is out shopping with the info from this thread, I'll see
what he comes back with.
Jeff
== 2 of 2 ==
Date: Sun, Nov 1 2009 8:42 pm
From: gheston@hiwaay.net (Gary Heston)
In article <hcklj1$47c$1@news.albasani.net>, jeff <jeff_thies@att.net> wrote:
[ ... ]
> I had a tough enough time find an AC charger (that wasn't a fortune
>for my odd Lenovo plug) for my laptop when it died! I wish they'd do
>some standardizing. Since my laptop requires 19v, seems like to would
>need to be upconverted anyways. Maybe next laptop I'll try that.
> My buddy is out shopping with the info from this thread, I'll see
>what he comes back with.
Lenovo notebooks are the former IBM ThinkPad line; all of them use 19V
adapters. Some have higher current ratings, so make sure you get one
rated equal or higher than your original.
I loaned an adapter for my ancient 380ED to a co-worker whose much newer
ThinkPads' adapter died just before he was leaving on a trip. Didn't
inconvenience me, since I had two, and saved his bacon.
Should be able to find plenty of them on ebay or elsewhere for $30 or so.
Gary
--
Gary Heston gheston@hiwaay.net http://www.thebreastcancersite.com/
"Where large, expensive pieces of exotic woods are converted to valueless,
hard to dispose of sawdust, chips and scraps." Charlie B.s' definition of
woodworking.
==============================================================================
TOPIC: www.keephotsell.com wholesale NBA Jersey,MLB Jerset, NHL Jersey at low
price . Payment way: , Western Union , MoneyGram , T/T ; Delivery time : 5- 7
days ; Mode of transport: EMS , TNT , DHL, UPS ; best regards! Hello, we are a
professional
http://groups.google.com/group/misc.consumers.frugal-living/t/e174da3cef3c34bc?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Nov 1 2009 10:58 am
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==============================================================================
TOPIC: In what way are you LEAST frugal?
http://groups.google.com/group/misc.consumers.frugal-living/t/18003f4ff7c65165?hl=en
==============================================================================
== 1 of 4 ==
Date: Sun, Nov 1 2009 12:21 pm
From: "Rod Speed"
Rally2xs wrote
> Les Cargill <lcargil...@comcast.net> wrote
>> Rally2xs wrote
>>> Rod Speed <rod.speed....@gmail.com> wrote
>>>> Rally2xs wrote
>>>>> Go to your Borders Bookstore or Barnes and Noble books.
>>>>> Find the computer section. Pitiful, isn't it?
>>>> Because we need fuck all in the way of new PC software
>>>> and real programmers dont need books from Borders
>>>> Bookstore or Barnes and Noble to write software.
>>> Wrong. I am a programmer, and that is exactly where I buy my books,
>>> if they have them. I now need to go to Amazon to get most of them,
>>> 'cuz Borders doesn't have most of what I'm after. Only reason I'm an
>>> American citizen who is a programmer is because the stuff I work
>>> with has "Secret" stamped all over it, so they CAN'T send it to India.
>> India is sucking exhaust right now. The Bangalore Bandit game is not sustainable.
> Nevertheless, programming in the USA is doing very poorly.
Yes, it got grossly oversupplied and then comprehensively shafted by India.
> Have to watched the CNN Money website that lists the "best jobs"?
> In years past, "programmer" would be right up near the top. Now it
> doesn't even appear. When I got here (DC area) 13 years ago, the
> Washington Post had a whole section of job ads that was about 10
> pages thick, and was all tech jobs. Now there is no such section.
> The programming jobs may or may not be in Bangalore, but the
> significant diference is that they are not _here._
Yes, you chose the wrong field. That isnt true of the medical services industry.
And the bulk of that cant be offshored either.
>> And in effect, you're charging your employer rent on a security clearance :)
> I work directly for the US Navy.
And it remains to be seen how long Congress will keep funding that.
You may well have fucked up very comprehensively there too.
> Even if the programming was all done someplace else,
Unlikely they'll ever be THAT stupid. They may well stop doing much more of it tho.
> we'd still have to test it.
Not if they stop paying for that to be developed.
> I can do that too... Not nearly as satisfying, tho.
>>> Otherwise, I'm sure I'd be forced into the Wal Mart job that lots of the
>>> rest of the programmers who lost theirs had to accept, at crap wages.
>> No, things are actually picking up out there. People in industries
>> with good prospects for export are hiring. Defense spend my
>> not last much longer, though....
> It can pick up a little, sputter a little, etc. and so forth, but the
> cancer remains, and that cancer is the income tax. There is no
> recovery, long-term, while the income tax bleeds our industries dry.
Mindlessly silly. We saw the longest economic boom in
the entire recorded history with that income tax universal.
> Without good paying jobs for all the people, which only manufacturing can deliver,
Thanks for that completely superfluous proof that you have
never ever had a fucking clue about anything at all, ever.
Its a small part of any modern first world economy now.
> there won't be enough people with enough money to tax to run the gov't.
Even sillier. Those who dont work in manufacturing get paid a hell of a lot better
than most of those who do still work in manufacturing and so pay taxes fine.
> Therefore, the deficit spending will continue until the
> Chinese, Japanese, and Europeans wake up and see
> what a monumentally bad idea it is to loan us money.
They actually have enough of a clue to have worked out that if the
US economy fails, the rest of them will be in very deep shit indeed.
> Then they will of course stop.
They wont be that stupid, you watch.
> That will be the day of economic armageddon.
Have fun listing even a single example of that ever happening in the last thousand years.
Didnt even happen with Britain when it completely fucked up the return to the gold
standard and that crippled their manufacturing exports very dramatically indeed.
> The USA will most likely spiral down into a Zimbabwe-like economy.
Thanks for that completely superfluous proof that you have
never ever had a fucking clue about anything at all, ever.
> At that time, I expect the fair tax will be passed,
How odd that even Zimbabwe wasnt actually THAT stupid.
> and maybe it won't be too late. But there will be massive economic devastation
We didnt even see that during the great depression.
> and a monumental debt to deal with if it gets that far.
We had that during WW2 and it worked fine.
> Better to pass the Fair Tax now, and become the manufacting center of the world again.
Thats never going to happen again, fool. The world's moved on forever
and what matters is the vastly lower labor costs in china now.
The US continues to be where much of the design work is done, particularly
with the more high tech stuff like cpus and hard drives and military hardware etc.
== 2 of 4 ==
Date: Sun, Nov 1 2009 3:50 pm
From: me@privacy.net
"Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>Yes, you chose the wrong field. That isnt true of the medical services industry.
So would you recommend a person to get into healthcare
now days Rod?
Bottom line...where ARE the jobs in the USA say in two
years? Healthcare, engineering, etc?
== 3 of 4 ==
Date: Sun, Nov 1 2009 5:06 pm
From: "Rod Speed"
me@privacy.net wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Yes, you chose the wrong field. That
>> isnt true of the medical services industry.
> So would you recommend a person to get into healthcare now days Rod?
Yes, its one area where most of the work cant be readily exported
and the demand for those services will keep increasing.
> Bottom line...where ARE the jobs in the USA say in two years?
> Healthcare, engineering, etc?
One obvious area with engineering is the alternative
stuff with the US pouring quite a bit of money into that.
I think health care has much better prospects tho.
== 4 of 4 ==
Date: Sun, Nov 1 2009 5:31 pm
From: Les Cargill
Rally2xs wrote:
> On Nov 1, 1:59 pm, Les Cargill <lcargil...@comcast.net> wrote:
>> Rally2xs wrote:
>>> On Oct 31, 10:47 pm, "Rod Speed" <rod.speed....@gmail.com> wrote:
>>>> Rally2xs wrote
>> <snip>
>>
>>>>> Go to your Borders Bookstore or Barnes and Noble books.
>>>>> Find the computer section. Pitiful, isn't it?
>>>> Because we need fuck all in the way of new PC software
>>>> and real programmers dont need books from Borders
>>>> Bookstore or Barnes and Noble to write software.
>>> Wrong. I am a programmer, and that is exactly where I buy my books,
>>> if they have them. I now need to go to Amazon to get most of them,
>>> 'cuz Borders doesn't have most of what I'm after. Only reason I'm an
>>> American citizen who is a programmer is because the stuff I work with
>>> has "Secret" stamped all over it, so they CAN'T send it to India.
>> India is sucking exhaust right now. The Bangalore Bandit game
>> is not sustainable.
>
> Nevertheless, programming in the USA is doing very poorly. Have to
> watched the CNN Money website that lists the "best jobs"? In years
> past, "programmer" would be right up near the top. Now it doesn't
> even appear. When I got here (DC area) 13 years ago, the Washington
> Post had a whole section of job ads that was about 10 pages thick, and
> was all tech jobs. Now there is no such section. The programming
> jobs may or may not be in Bangalore, but the significant diference is
> that they are not _here._
>
I've been in programming for 24 years. The whole field got
oversold, about ... 13 or so years ago. But there's still
going to be demand for people. In addition to Bangalore
Bandits, other factors include increased webification,
a general sag in telecomms ( largely from rapacious abuse
by the investment community ) and free software.
Also WRT to the WaPo - the jobs aren't listed there any more - they
are online. And increasingly, we're dependent on networking tools
and knowing good - emphasis *good* - recruiters.
Now - the *military* will see significant drop in demand, as
that whole thing slides off into the sunset. In the private
sector, there's a different problem - employers getting much,
much dumber.
>> And in effect, you're charging your employer rent on a
>> security clearance :)
>
> I work directly for the US Navy. Even if the programming was all done
> someplace else, we'd still have to test it. I can do that too... Not
> nearly as satisfying, tho.
>
No, I understand. Programming is testing, ultimately.
>>> Otherwise, I'm sure I'd be forced into the Wal Mart job that lots of
>>> the rest of the programmers who lost theirs had to accept, at crap
>>> wages.
>> No, things are actually picking up out there. People in industries
>> with good prospects for export are hiring. Defense spend my not last
>> much longer, though....
>
> It can pick up a little, sputter a little, etc. and so forth, but the
> cancer remains, and that cancer is the income tax. There is no
> recovery, long-term, while the income tax bleeds our industries dry.
> Without good paying jobs for all the people, which only manufacturing
> can deliver, there won't be enough people with enough money to tax to
> run the gov't. Therefore, the deficit spending will continue until
> the Chinese, Japanese, and Europeans wake up and see what a
> monumentally bad idea it is to loan us money.
Yes. Three things, though:
1) The dollar cannot be the benchmark currency forever. But we don't
have to outrun the bear, we just have to outrun Europe. And they're
in worse shape than we are, in every dimension except those
published by propaganda centers like the WHO.
2) At some point, China will develop a consumer class, and we'll be able
to trade, roughly, goods for goods. Right now is a solution to the
problem the British ran against which led to the Boxer
Rebellion. How this will play out remains to be seen - it's quite
risky. But the cheapness of Chinese goods has made the quality of life
during this time of flat wages much more tolerable. In the end, it's
not really the number that matters, it's what that number will buy, and
that is actually pretty good, once you get outside of housing. And
housing is very sharply correcting as we speak...
3) The income tax is not optimal, but it's not that far off. And the
problem is that "government load" in all directions is much lower here
than it is in China, India, Europe or Japan.
The bottom line is that we can't have the sort of high growth we've
seen and a more-extensive social insurance system. Niall Ferguson has
discussed this at length in "The Ascent of Money" online.
> Then they will of
> course stop. That will be the day of economic armageddon.
Not with a bang, but with a whimper.
> The USA
> will most likely spiral down into a Zimbabwe-like economy.
Not likely. Zimbabwe has nothing anyone else wants. Of course it
*can* happen, but ... government debt is a funny thing.
> At that
> time, I expect the fair tax will be passed, and maybe it won't be too
> late. But there will be massive economic devastation and a monumental
> debt to deal with if it gets that far. Better to pass the Fair Tax
> now, and become the manufacting center of the world again.
>
But we don't *want* manufacturing jobs. Trust me on this; I've seen
it first hand. And I've posted "We Can't Make It Here Anymore" lyrics on
Usenet before...
> Dave Head
>
>
>
>> --
>> Les Cargill
--
Les Cargill
==============================================================================
TOPIC: the "economy" and "good news" .
http://groups.google.com/group/misc.consumers.frugal-living/t/3fcb3ffec8403ec3?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Nov 1 2009 12:50 pm
From: The Real Bev
Rod Speed wrote:
> rocket scientist wrote:
>> By Miral Fahmy Fri Oct 30, 12:59 am ET
>> SINGAPORE (Reuters) It seems the financial crisis isn't all doom and
>> gloom: one in four people are glad the world's economy slumped like it
>> did, because it helped them realize their priorities in life, according to a global survey.
Think -- would a sane person rejoice in misfortune because it made them get
their priorities in order? I posit that that response resulted from the
phrasing of the question.
Dumb people don't get smarter because they get slapped in the face with
unpleasant reality.
>> Market research firm Synovate polled around 11,400 people across the
>> world and found more than half had permanently changed their attitudes
>> toward money over the last 12 months.
>
> And it remains to be seen how much of that claimed permanent change actually is.
I may have taken that survey. I've been asked several times in a number of
surveys if my attitude has changed due to the current "hard times". I have to
answer no because it didn't need to. I've always been frugal and unwasteful
and careful with money. Sometimes they just don't ask the right questions.
> The great depression certainly did produce a permanent change in attitude in many, but its
> unlikely that the current recession will, it hasnt even reached double digits unemployment.
Depends on the area. Some are worse.
--
Cheers, Bev
Far away in a strange land
== 2 of 2 ==
Date: Sun, Nov 1 2009 1:06 pm
From: "Rod Speed"
The Real Bev wrote
> Rod Speed wrote
>> rocket scientist wrote
>>> By Miral Fahmy Fri Oct 30, 12:59 am ET
>>> SINGAPORE (Reuters) It seems the financial crisis isn't all doom and gloom: one in four people are glad the
>>> world's economy slumped like it did, because it helped them realize their priorities in life, according to a global
>>> survey.
> Think
Too radical.
> -- would a sane person rejoice in misfortune because it made them get their priorities in order?
It didnt say anything about rejoice.
> I posit that that response resulted from the phrasing of the question.
You quire sure you aint one of those rocket scientist gorgons ?
> Dumb people don't get smarter because they get slapped in the face with unpleasant reality.
Plenty of people do change what they do when slapped in the face with unpleasant reality.
>>> Market research firm Synovate polled around 11,400 people across the world and found more than half had permanently
>>> changed their attitudes toward money over the last 12 months.
>> And it remains to be seen how much of that claimed permanent change actually is.
> I may have taken that survey. I've been asked several times in a number of surveys if my attitude has changed due to
> the current "hard times". I have to answer no because it didn't need to. I've always been frugal and unwasteful and
> careful with money.
That isnt likely to be true with many they asked.
> Sometimes they just don't ask the right questions.
That particular one doesnt appear to be too bad.
>> The great depression certainly did produce a permanent change in attitude in many, but its unlikely that the current
>> recession will,
>> it hasnt even reached double digits unemployment.
> Depends on the area. Some are worse.
Sure, but nowhere is anything like as bad as during the great depression.
==============================================================================
TOPIC: Finally a Price Dropped for Me
http://groups.google.com/group/misc.consumers.frugal-living/t/eb017626f295f4a6?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Nov 1 2009 2:33 pm
From: TheHorror
I was getting tired of hearing about "deflationary pressures" and
the "lack of inflation", when all the stuff I buy was going up. Well,
finally I saw a price DROP on something I buy. Motor oil went from
$9.50 for a 5 quart bottle down to $8.00 !!! Woowee !! Not
kidding.
== 2 of 2 ==
Date: Sun, Nov 1 2009 10:44 pm
From: Les Cargill
TheHorror wrote:
> I was getting tired of hearing about "deflationary pressures" and
> the "lack of inflation", when all the stuff I buy was going up. Well,
> finally I saw a price DROP on something I buy. Motor oil went from
> $9.50 for a 5 quart bottle down to $8.00 !!! Woowee !! Not
> kidding.
>
Prices are "sticky". So perhaps the lubricating quality of the oil
had something to do with it.... :)
--
Les Cargill
==============================================================================
TOPIC: Guess Who Wants To Continue FLEECING You With OVERDRAFT "Protection"?
The U.S. Repug Empire!
http://groups.google.com/group/misc.consumers.frugal-living/t/bb65b39a2eee320a?hl=en
==============================================================================
== 1 of 3 ==
Date: Sun, Nov 1 2009 2:48 pm
From: Scott in SoCal
Last time on misc.consumers, spicpussy <clitteigh@yahoo.com> said:
>Legislation under consideration in the House would prohibit financial
>companies from levying more than one overdraft fee per month or six
>per year, according to Rep. Carolyn B. Maloney (D-N.Y.), who sponsored
>the bill.
Wow, so I can bounce 1000 checks a year but I'll only have to pay 6
overdraft fees?
Kewl!
>The House bill would make overdraft fees subject to the Truth in
>Lending Act, requiring consumers' permission before enrolling them,
>according a statement from Maloney. It would prohibit rearranging the
>order in which transactions are posted, which can trigger an
>overdraft.
Now that's a hoot.
There is no set of drafts that would result in an overdraft if
presented in one sequence but NOT result in an overdraft if presented
in some other sequence. Either there is enough money in the account to
cover them all or there isn't.
Yes, I know what the idiot reporter is trying to say, but as is common
in the mainstream media Jeffy boy screwed it up.
>And it would require fees to be in proportion to the amount
>overdrawn, so a $5 cup of coffee will not have a $35 fee, the
>statement said.
What moron is paying $5 for a cup of coffee?!?!?!? Even Starbucks only
charges $2 or so.
>Overdraft programs "maximize fees while jeopardizing the financial
>stability" of customers, said Jean Ann Fox, director of financial
>services at the Consumer Federation of America.
Um, no, Jean Ann, they don't.
Customers jeopardize their own financial stability by being unable to
balance a friggin' checkbook. If you keep your checkbook balanced and
don't try to spend more money than you have, you will never have to
pay any overdraft fees.
>Ending overdraft protection and letting checks bounce would lead to
>"infinitely worse" consequences for people who don't have sufficient
>funds, Bachus said.
Quite correct. If the customer writes a buch of small checks, and one
of them bounces, the fees may cause additional checks to bounce,
incurring additional fees, causing even more checks to bounce,
cascading into an enormous problem for the consumer (and enormous
profits for the banks).
A single $35 fee looks pretty good compared to that.
>Consumers have come to expect payments to go through to "avoid
>embarrassment and inconvenience," Feddis told the committee. Most
>consumers can easily avoid the fees by keeping track of their
>balances, she said.
See, Jean Ann? Someone else out there gets it.
== 2 of 3 ==
Date: Sun, Nov 1 2009 5:43 pm
From: Mason C
On Sun, 01 Nov 2009 14:48:42 -0800, Scott in SoCal <scottenaztlan@yahoo.com>
wrote:
>Last time on misc.consumers, spicpussy <clitteigh@yahoo.com> said:
>
>>Legislation under consideration in the House would prohibit financial
>>companies from levying more than one overdraft fee per month or six
>>per year, according to Rep. Carolyn B. Maloney (D-N.Y.), who sponsored
>>the bill.
>
>Wow, so I can bounce 1000 checks a year but I'll only have to pay 6
>overdraft fees?
>
>Kewl!
>
>>The House bill would make overdraft fees subject to the Truth in
>>Lending Act, requiring consumers' permission before enrolling them,
>>according a statement from Maloney. It would prohibit rearranging the
>>order in which transactions are posted, which can trigger an
>>overdraft.
>
>Now that's a hoot.
>
>There is no set of drafts that would result in an overdraft if
>presented in one sequence but NOT result in an overdraft if presented
>in some other sequence. Either there is enough money in the account to
>cover them all or there isn't.
>
>Yes, I know what the idiot reporter is trying to say, but as is common
>in the mainstream media Jeffy boy screwed it up.
>
>>And it would require fees to be in proportion to the amount
>>overdrawn, so a $5 cup of coffee will not have a $35 fee, the
>>statement said.
>
>What moron is paying $5 for a cup of coffee?!?!?!? Even Starbucks only
>charges $2 or so.
>
>>Overdraft programs "maximize fees while jeopardizing the financial
>>stability" of customers, said Jean Ann Fox, director of financial
>>services at the Consumer Federation of America.
>
>Um, no, Jean Ann, they don't.
>
>Customers jeopardize their own financial stability by being unable to
>balance a friggin' checkbook. If you keep your checkbook balanced and
>don't try to spend more money than you have, you will never have to
>pay any overdraft fees.
>
>>Ending overdraft protection and letting checks bounce would lead to
>>"infinitely worse" consequences for people who don't have sufficient
>>funds, Bachus said.
>
>Quite correct. If the customer writes a buch of small checks, and one
>of them bounces, the fees may cause additional checks to bounce,
>incurring additional fees, causing even more checks to bounce,
>cascading into an enormous problem for the consumer (and enormous
>profits for the banks).
>
>A single $35 fee looks pretty good compared to that.
>
>>Consumers have come to expect payments to go through to "avoid
>>embarrassment and inconvenience," Feddis told the committee. Most
>>consumers can easily avoid the fees by keeping track of their
>>balances, she said.
>
>See, Jean Ann? Someone else out there gets it.
I have a curious banking history note:
In the 1960's I received a phone call from my local Bank of America
branch. I had an overdraft on my checking account but had money
in a savings account. They asked me to come in and transfer money so
as to avoid the overdraft. It was late in the afternoon. The bank doors were
closed but they let me in to transfer the money.
Amazing what 40-50 years can do to banking / capitalist philosophy !!!!
Mason C
== 3 of 3 ==
Date: Sun, Nov 1 2009 7:55 pm
From: Pers3id
Mason C <masoncXXX@XXXfrontal-lobe.info> wrote in
news:p2ese5l889uf5harv6scllborijot0ndfe@4ax.com:
> On Sun, 01 Nov 2009 14:48:42 -0800, Scott in SoCal
> <scottenaztlan@yahoo.com> wrote:
>
>>Last time on misc.consumers, spicpussy <clitteigh@yahoo.com> said:
>>
>>>Legislation under consideration in the House would prohibit financial
>>>companies from levying more than one overdraft fee per month or six
>>>per year, according to Rep. Carolyn B. Maloney (D-N.Y.), who
>>>sponsored the bill.
>>
>>Wow, so I can bounce 1000 checks a year but I'll only have to pay 6
>>overdraft fees?
>>
>>Kewl!
>>
>>>The House bill would make overdraft fees subject to the Truth in
>>>Lending Act, requiring consumers' permission before enrolling them,
>>>according a statement from Maloney. It would prohibit rearranging the
>>>order in which transactions are posted, which can trigger an
>>>overdraft.
>>
>>Now that's a hoot.
>>
>>There is no set of drafts that would result in an overdraft if
>>presented in one sequence but NOT result in an overdraft if presented
>>in some other sequence. Either there is enough money in the account to
>>cover them all or there isn't.
>>
>>Yes, I know what the idiot reporter is trying to say, but as is common
>>in the mainstream media Jeffy boy screwed it up.
>>
>>>And it would require fees to be in proportion to the amount
>>>overdrawn, so a $5 cup of coffee will not have a $35 fee, the
>>>statement said.
>>
>>What moron is paying $5 for a cup of coffee?!?!?!? Even Starbucks only
>>charges $2 or so.
>>
>>>Overdraft programs "maximize fees while jeopardizing the financial
>>>stability" of customers, said Jean Ann Fox, director of financial
>>>services at the Consumer Federation of America.
>>
>>Um, no, Jean Ann, they don't.
>>
>>Customers jeopardize their own financial stability by being unable to
>>balance a friggin' checkbook. If you keep your checkbook balanced and
>>don't try to spend more money than you have, you will never have to
>>pay any overdraft fees.
>>
>>>Ending overdraft protection and letting checks bounce would lead to
>>>"infinitely worse" consequences for people who don't have sufficient
>>>funds, Bachus said.
>>
>>Quite correct. If the customer writes a buch of small checks, and one
>>of them bounces, the fees may cause additional checks to bounce,
>>incurring additional fees, causing even more checks to bounce,
>>cascading into an enormous problem for the consumer (and enormous
>>profits for the banks).
>>
>>A single $35 fee looks pretty good compared to that.
>>
>>>Consumers have come to expect payments to go through to "avoid
>>>embarrassment and inconvenience," Feddis told the committee. Most
>>>consumers can easily avoid the fees by keeping track of their
>>>balances, she said.
>>
>>See, Jean Ann? Someone else out there gets it.
>
> I have a curious banking history note:
>
> In the 1960's I received a phone call from my local Bank of America
> branch. I had an overdraft on my checking account but had money
> in a savings account. They asked me to come in and transfer money so
> as to avoid the overdraft. It was late in the afternoon. The bank
> doors were closed but they let me in to transfer the money.
>
> Amazing what 40-50 years can do to banking / capitalist philosophy
> !!!!
>
> Mason C
Oh yeah... and the legislation couldn't have happened to a nicer
bunch of thieves. If the bankers weren't making such horrendous
business decisions that were losing them tens, hundreds of
$$BBillions, then they wouldn't even be performing these
outrageous acts of thievery, and none of this legislation
would have been necessary.
Here are the details of why the bankers need to be corralled
into a pen.
==============================================================================
TOPIC: www.ebaychinaonline.com Cheap Branded gucci,louis handbags,shoes,belts,
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http://groups.google.com/group/misc.consumers.frugal-living/t/f2f9b8d4d6076dce?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Nov 1 2009 3:56 pm
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==============================================================================
TOPIC: Could you live without clothes dryer? Washer only?
http://groups.google.com/group/misc.consumers.frugal-living/t/c7faadfffe8e6e11?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Nov 1 2009 4:03 pm
From: "h"
"rocket scientist" <georgespamk@toast.net> wrote in message
news:georgespamk-8DFE0E.14224731102009@news.isp.giganews.com...
> In article <7ksh6oF3binhvU1@mid.individual.net>,
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>
>> Susan Bugher wrote
>> > Rod Speed wrote
>>
>> > I said "Line dried clothes are stiff and "boardy" if you don't have a
>> > good
>> > breezy drying day or if you dry them
>> > indoors."
>>
>> There's much better ways to quote than that.
>>
>> >> None of mine are, so it must be the clothes etc you choose to wear.
>>
>> > Do you often make these wild leaps to silly conclusions?
>>
>> Never ever could bullshit its way out of a wet paper bag.
>>
>> > (I note that you wrote in another post that you have good weather for
>> > your outdoor line-drying => lots of those "good breezy drying days". I
>> > guess you stopped reading what I wrote before you got to the "if".)
>>
>> Guess again. I never ever said that its always breezy when I line dry,
>> fool.
>>
>> Lets go thru this very very slowly for the terminally stupid.
>>
>> My clothes are not stiff and boardy when I line dry them on days with no
>> wind
>> at all.
>
> we dry outside on a nice day. No laws against that .... yet !
> when it turns rainey , like today, we have "laundry land" .. that is .
> in come the clothes and they get hung up near the wood stove.
Yeah, but then everything stinks of wood smoke. YUCK!
==============================================================================
TOPIC: U.S. government to steal one hour
http://groups.google.com/group/misc.consumers.frugal-living/t/66bbefd054bc4339?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Nov 1 2009 4:06 pm
From: "h"
"rocket scientist" <georgespamk@toast.net> wrote in message
news:georgespamk-E25934.16465331102009@news.isp.giganews.com...
> it's not fair. ;)
Umm, how, exactly, are they "stealing an hour"? Time just happens, it's all
about how it's measured. "Time" CANNOT be stolen.
== 2 of 2 ==
Date: Sun, Nov 1 2009 4:41 pm
From: RickMerrill
h wrote:
> "rocket scientist" <georgespamk@toast.net> wrote in message
> news:georgespamk-E25934.16465331102009@news.isp.giganews.com...
>> it's not fair. ;)
>
> Umm, how, exactly, are they "stealing an hour"? Time just happens, it's all
> about how it's measured. "Time" CANNOT be stolen.
>
>
Ho ho - that is relative! There was a time that the King decreed a time
change that "cheated" the workers of about 2 weeks of pay and they were
pissed! Maybe someone remembers the story.
==============================================================================
TOPIC: Review: "How To Live Well Without Owning a Car - Save Money, Breathe
Easier, and Get More Mileage Out of Life" by Chris Balish
http://groups.google.com/group/misc.consumers.frugal-living/t/dff28f482d02ae5c?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Nov 1 2009 4:39 pm
From: terryc
On Sun, 01 Nov 2009 15:51:31 +0000, Phil W Lee wrote:
> Look forward to becoming a dreg when your employer discovers your
> tenuous grasp on reality.
Rod-bot doesn't have an employer. His 24x7 posts indicate that. Plus his
in depth knowledge of welfare in this country indicates that he is
already a recipient.
== 2 of 2 ==
Date: Sun, Nov 1 2009 5:08 pm
From: "Rod Speed"
terryc wrote
> Phil W Lee wrote
>> Look forward to becoming a dreg when your
>> employer discovers your tenuous grasp on reality.
> Rod-bot doesn't have an employer. His 24x7 posts indicate that.
> Plus his in depth knowledge of welfare in this country indicates
> that he is already a recipient.
Never ever accepted even a cent of welfare ever, thanks, fool.
==============================================================================
TOPIC: Banking history note
http://groups.google.com/group/misc.consumers.frugal-living/t/f939a23411ed15ff?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Nov 1 2009 5:47 pm
From: Mason C
I have a curious banking history note:
In the 1960's I received a phone call from my local Bank of America
branch. I had an overdraft on my checking account but had money
in a savings account. They asked me to come in and transfer money so
as to avoid the overdraft. It was late in the afternoon. The bank doors were
closed but they let me in to transfer the money.
Amazing what 40-50 years can do to banking / capitalist philosophy !!!!
Mason C
==============================================================================
TOPIC: How much was your dollar worth, put year in slot
http://groups.google.com/group/misc.consumers.frugal-living/t/230848d63492d48a?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Nov 1 2009 8:05 pm
From: "sr"
http://data.bls.gov/cgi-bin/cpicalc.pl
I use to spend 15. on groceries every 2 weeks, in'62 See how much further
the dollar went in 62, or whatever year, get out your crying towel.
== 2 of 2 ==
Date: Sun, Nov 1 2009 9:13 pm
From: Questor
On Nov 1, 11:05 pm, "sr" <solo...@uninets.net> wrote:
> http://data.bls.gov/cgi-bin/cpicalc.pl
>
> I use to spend 15. on groceries every 2 weeks, in'62 See how much further
> the dollar went in 62, or whatever year, get out your crying towel.
Also compare your income. 1962 was about a dollar and hour. We did
not have HiDef TV or computers AT ANY PRICE so that is a
consideration.
I think I felt about 45 years younger, too.
It is a good calculator and I appreciate your link.
==============================================================================
TOPIC: Wireless Speakers
http://groups.google.com/group/misc.consumers.frugal-living/t/7a4dd76086357f32?hl=en
==============================================================================
== 1 of 2 ==
Date: Sun, Nov 1 2009 9:14 pm
From: Questor
On Oct 31, 9:36 pm, Questor <questor...@gmail.com> wrote:
> Understanding Audio equiptment is new to me but this is the
> information that I have so far. A Listen LT 800 broadcasts at
> 216.1250 Mhz. Can that be picked up on an ordinary radio? If not,
> are there wireless speakers that are tuned to that frequency? We want
> to put them in halls and classrooms.
>
> Any leads appreciated. Bestbuy put me on hold and I gave up.
Can you direct me to a group that discusses this subject?
== 2 of 2 ==
Date: Sun, Nov 1 2009 9:59 pm
From: "Malcom \"Mal\" Reynolds"
In article
<cc39b32f-66b8-4a65-90ba-e029973ad3de@z4
1g2000yqz.googlegroups.com>,
Questor <questor369@gmail.com> wrote:
> On Oct 31, 9:36 pm, Questor <questor...@gmail.com> wrote:
> > Understanding Audio equiptment is new to me but this is the
> > information that I have so far. A Listen LT 800 broadcasts at
> > 216.1250 Mhz. Can that be picked up on an ordinary radio? If not,
> > are there wireless speakers that are tuned to that frequency? We want
> > to put them in halls and classrooms.
> >
> > Any leads appreciated. Bestbuy put me on hold and I gave up.
>
> Can you direct me to a group that discusses this subject?
Search for a group with "radio" or
"wireless" in it
==============================================================================
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