http://groups.google.com/group/misc.consumers.frugal-living?hl=en
misc.consumers.frugal-living@googlegroups.com
Today's topics:
* How cold is it? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/84ab0f022b770e69?hl=en
* Most roman and roll up blinds "recalled for repair" due to strangulation
hazard - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/ee3a18ac752c6454?hl=en
* The capability / material assets dichotomy. it seems for most of us only one
is fully attainable - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/412f6ebb9c00580d?hl=en
* Free Kaspersky 2010 Lifetime Hack tutorial---with screenshot - 2 messages, 2
authors
http://groups.google.com/group/misc.consumers.frugal-living/t/1fe22199f4b3b44a?hl=en
* BIG PHARMA Tells Americans, "No Fuckin' Way We'll Let You Buy Cheaper Drugs
From Canada, UK, India, Australia, New Zealand, Japan, China, South Korea, Or
Any Other Country! - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/3336f4cc2e321617?hl=en
* On keeping your friends after winning the lottery - 7 messages, 7 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/f282e39347b30a3c?hl=en
* Earn Money for using internet - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/2e30c8ed2718238d?hl=en
* Jayde Nicole Nude gallery video photo playboy pictures - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/t/101f333a28622438?hl=en
* Why Schwab Visa's 2 Percent Rebate May Fall - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/4528843b4cfe3eb6?hl=en
==============================================================================
TOPIC: How cold is it?
http://groups.google.com/group/misc.consumers.frugal-living/t/84ab0f022b770e69?hl=en
==============================================================================
== 1 of 1 ==
Date: Tues, Dec 15 2009 8:36 pm
From: "sr"
tp://ugan.com/543.htm Journalists freeze waiting to get into global warming
conference | newsbusters.org
==============================================================================
TOPIC: Most roman and roll up blinds "recalled for repair" due to
strangulation hazard
http://groups.google.com/group/misc.consumers.frugal-living/t/ee3a18ac752c6454?hl=en
==============================================================================
== 1 of 3 ==
Date: Wed, Dec 16 2009 12:24 am
From: enough
http://www.windowcoverings.org/
U.S Consumer Product Safety Commission and the Window Covering Safety
Council Announce Voluntary Corrective Action Plan
NEW YORK (December 2009) - The U.S. Consumer Product Safety Commission
(CPSC) and The Window Covering Safety Council (WCSC) are announcing an
industry-wide voluntary corrective action plan covering roman-style
shades and roll-up blinds to prevent the potential hazard of
strangulation to young children. The recall involves window coverings
that can form a loop and cause strangulation. According to information
provided by the U.S. Consumer Product Safety Commission, since 1990,
more than 200 infants and young children have died from accidentally
strangling in window cords.
Consumers can obtain free retrofit kits for roman style fabric looped
and flat panel shades and roll up blinds online at www.windowcoverings.org
or by calling WCSC's toll-free phone line at 1-800-506-4636.
Parents and caregivers are being reminded of potential window-cord
dangers and are urged to make the right choice and only use cordless
window products in homes with young children. Owners and renters
should replace all window coverings in the home made before 2001 with
today's safer products.
To maximize window-cord safety when young children are present,
consumers are urged to follow these safety guidelines:
* Install only cordless window coverings in homes with young
children. Replace window blinds, corded shades and draperies
manufactured before 2001 with today's safer products.
* Move all cribs, beds, furniture and toys away from windows and
window cords, preferably to another wall.
* Keep all window pull cords and inner lift cords out of the reach
of children. Make sure that tasseled pull cords are short and
continuous-loop cords are permanently anchored to the floor or wall.
Make sure cord stops are properly installed and adjusted to limit
movement of inner lift cords.
* Lock cords into position whenever horizontal blinds or shades
are lowered, including when they come to rest on a windowsill.
The Window Covering Safety Council is a coalition of major U.S.
manufacturers, importers and retailers of window coverings.
== 2 of 3 ==
Date: Wed, Dec 16 2009 12:50 am
From: "Rod Speed"
enough wrote:
> http://www.windowcoverings.org/
> U.S Consumer Product Safety Commission and the Window Covering
> Safety Council Announce Voluntary Corrective Action Plan
> NEW YORK (December 2009) - The U.S. Consumer Product Safety Commission
> (CPSC) and The Window Covering Safety Council (WCSC) are announcing an
> industry-wide voluntary corrective action plan covering roman-style shades and
> roll-up blinds to prevent the potential hazard of strangulation to young children.
The more that get strangled the better.
> The recall involves window coverings that can form a loop and cause strangulation.
Makes a hell of a lot more sense to get some darwinian selection back into the system.
> According to information provided by the U.S. Consumer Product
> Safety Commission, since 1990, more than 200 infants and young
> children have died from accidentally strangling in window cords.
> Consumers can obtain free retrofit kits for roman style fabric looped
> and flat panel shades and roll up blinds online at
> www.windowcoverings.org or by calling WCSC's toll-free phone line at
> 1-800-506-4636.
>
> Parents and caregivers are being reminded of potential window-cord
> dangers and are urged to make the right choice and only use cordless
> window products in homes with young children. Owners and renters
> should replace all window coverings in the home made before 2001 with
> today's safer products.
>
> To maximize window-cord safety when young children are present,
> consumers are urged to follow these safety guidelines:
>
> * Install only cordless window coverings in homes with young
> children. Replace window blinds, corded shades and draperies
> manufactured before 2001 with today's safer products.
> * Move all cribs, beds, furniture and toys away from windows and
> window cords, preferably to another wall.
> * Keep all window pull cords and inner lift cords out of the reach
> of children. Make sure that tasseled pull cords are short and
> continuous-loop cords are permanently anchored to the floor or wall.
> Make sure cord stops are properly installed and adjusted to limit
> movement of inner lift cords.
> * Lock cords into position whenever horizontal blinds or shades
> are lowered, including when they come to rest on a windowsill.
>
> The Window Covering Safety Council is a coalition of major U.S.
> manufacturers, importers and retailers of window coverings.
== 3 of 3 ==
Date: Wed, Dec 16 2009 5:30 pm
From: The Real Bev
Rod Speed wrote:
> enough wrote:
>> http://www.windowcoverings.org/ U.S Consumer Product Safety Commission and
>> the Window Covering Safety Council Announce Voluntary Corrective Action
>> Plan
>
>> NEW YORK (December 2009) - The U.S. Consumer Product Safety Commission
>> (CPSC) and The Window Covering Safety Council (WCSC) are announcing an
>> industry-wide voluntary corrective action plan covering roman-style shades
>> and roll-up blinds to prevent the potential hazard of strangulation to
>> young children.
>
> The more that get strangled the better.
Harsh. Still...
>> The recall involves window coverings that can form a loop and cause
>> strangulation.
>
> Makes a hell of a lot more sense to get some darwinian selection back into
> the system.
For once I agree. Might have been better if Darwin had started at least one
generation previously, though. Offspring tend toward the norm.
--
Cheers, Bev
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
"I can't stand this proliferation of paperwork. It's useless to
fight the forms. You've got to kill the people producing them."
-- Vladimir Kabaidze
==============================================================================
TOPIC: The capability / material assets dichotomy. it seems for most of us
only one is fully attainable
http://groups.google.com/group/misc.consumers.frugal-living/t/412f6ebb9c00580d?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Dec 16 2009 12:46 am
From: "Rod Speed"
phil scott wrote:
> I am involved in engineeing and physics
But have been too stupid to end up with decent assets.
> not real estate, or investments for instance,, so I have accumulated few investments
Or any real assets.
> but extensive capabilty.
Nope.
> a smaller percentage, brighter than myself have both capability and assets....
They have indeed.
> the very very brightest though, all through history seem to realize the futility
> of having many assets, and in fact the liability of assets,,, entrapment in them
Only fools have ever ran that line.
> from the outside those with assets are more impressive,
From the inside too.
> so that becomes a goal of many.... these though, occupied
> as they are are not so often in a high capability range.
Wrong, as always.
> Those with assets, tend to look down on those with minmmal
> assets because the grossly incapable also have very little. ..
And blotto drunks in spades.
> a way for those with assets to aloof themselves.
> and thats fine,,,, but a fatal mistake becoming obvious
> only when iits too late to actually attain something.
You've never ever done that.
> it has been apprent to me that once a person has capability across
> a broad spectrum, and keeps it in advance of the common capability,,,....
> that sufficiency is attained as a natural part of ones existence.
Just another blotto drunk.
> there is for some of us a value in capability..... limitlessly beyond
> the helplessness of simply holding assets, most especially with age.
Just another blotto drunk.
> each to his own however,,,, the tiger will never grow wool,,,,
> and the sheep will always be good eating.
Just another blotto drunk.
==============================================================================
TOPIC: Free Kaspersky 2010 Lifetime Hack tutorial---with screenshot
http://groups.google.com/group/misc.consumers.frugal-living/t/1fe22199f4b3b44a?hl=en
==============================================================================
== 1 of 2 ==
Date: Wed, Dec 16 2009 6:30 am
From: joeblack
http://hotfile.com/dl/20854705/e008a6d/Kaspersky_2010_Lifetime_Hack.rar.html
Note:
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== 2 of 2 ==
Date: Wed, Dec 16 2009 8:14 am
From: clams_casino
joe the spammer wrote:
>http://hotscam.com
>
>
Hmm - gmail / google via MALAYSIA
The trifecta of a scam?
==============================================================================
TOPIC: BIG PHARMA Tells Americans, "No Fuckin' Way We'll Let You Buy Cheaper
Drugs From Canada, UK, India, Australia, New Zealand, Japan, China, South
Korea, Or Any Other Country!
http://groups.google.com/group/misc.consumers.frugal-living/t/3336f4cc2e321617?hl=en
==============================================================================
== 1 of 2 ==
Date: Wed, Dec 16 2009 6:36 am
From: "STEPHEN"
Its rat poison
"Palin'sAnusRimmer" <perryneheum@hotmail.com> wrote in message
news:940ac607-6245-4272-8ecd-53cd0452d167@g25g2000vbl.googlegroups.com...
> "The heartburn medication Nexium, for example, costs $36 in Spain and
> $424 in the United States."
>
> But you just know most Republicans, the Chamber of Commerce, and the
> remnants of Bush's pro-industry, anti-consumer FDA will back
> drugmakers on this one!
>
> Now, who you seniors gonna get mad at?
> -----------------
>
> "Drugmakers fight plan to allow imports"
>
> By Dan Eggen
> Washington Post Staff Writer
> Tuesday, December 15, 2009
>
> Drugmakers intensified their lobbying push Monday against a popular
> proposal to allow Americans to buy cheaper drugs from other countries,
> one of several heated disputes that have bogged down negotiations over
> a heath-care reform bill.
>
> The talks prompted hospitals, insurers and other major industries
> attempting to steer the legislation in their favor to push for changes
> as lawmakers work through a handful of complex issues. Medical
> providers, for example, are battling a proposed Democratic compromise
> that would jettison a public insurance option in favor of a limited
> expansion of Medicare, while the U.S. Chamber of Commerce flew dozens
> of corporate executives to Washington last week to meet with
> lawmakers.
>
> The fight over the proposal further complicates Democrats' efforts to
> build support for health-care legislation in the Senate. The dispute
> also poses a particularly difficult political challenge for President
> Obama, who co-sponsored a similar bill when he was in Congress and who
> included funding for the idea in his first budget.
>
> The amendment, sponsored by Sen. Byron L. Dorgan (D-N.D.), would allow
> pharmacies and wholesalers to import U.S.-approved medication from
> Canada, Europe, Australia, New Zealand and Japan, where drug costs are
> far lower because of price controls. The measure has attracted
> bipartisan support from lawmakers, including Sens. Olympia J. Snowe (R-
> Maine) and John McCain (R-Ariz.).
>
> But the pharmaceutical industry -- which has been a key supporter of
> health-care reform after reaching an agreement with the White House
> earlier this year -- has responded with a fierce lobbying campaign
> aimed at killing the proposal, focusing on Democratic senators from
> states with large drug and research sectors.
>
> In addition, Margaret A. Hamburg, commissioner of the Food and Drug
> Administration, raised safety concerns about the Dorgan amendment in a
> letter to the Senate, warning that the agency is unable to ensure that
> such drug imports would not be counterfeited or contaminated. The FDA
> has cited such concerns for more than a decade, repeatedly rebuffing
> attempts by Congress to allow prescription drug imports.
>
> The dispute traps Obama between his campaign rhetoric and the
> political realities of health-care reform, which depends in large part
> on tacit support from drugmakers and other industry groups. Under the
> earlier agreement with the White House, the pharmaceutical industry
> agreed to contribute $80 billion toward reform over 10 years in
> exchange for protection from further cuts.
>
> "It's about being a candidate as opposed to being president," said Ken
> Johnson, senior vice president of the Pharmaceutical Research &
> Manufacturers of America (PhRMA). "When you become president, you
> realize that the sound bites don't always work in reality. . . . I
> think they've looked at the problems now and have concluded there's no
> way to ensure the safety of medicines reimported into the United
> States right now."
>
> The White House is attempting to strike a balance, expressing approval
> of the idea to allow drug imports while bowing to the FDA's safety
> concerns. "The president supports reimportation of safe and effective
> drugs," White House spokeswoman Linda Douglass said, adding that the
> FDA "will continue exploring policy options to create a pathway" to
> allow the purchases.
>
> An anticipated vote on Dorgan's amendment was initially blocked on
> Thursday by Democratic Sen. Thomas R. Carper of Delaware, home to the
> U.S. headquarters of pharmaceutical company AstraZeneca. Carper backs
> a different version of the legislation that supporters decry as a
> poison pill.
>
> Carper said in a statement that he shares the FDA's concerns that
> "Senator Dorgan's amendment could potentially allow unsafe,
> counterfeited drugs into the United States, contaminating our drug
> supply. This is a complicated issue that affects people's lives. We
> should make sure that the FDA says it's safe before we reimport drugs
> from other countries."
>
> McCain complained about the role of PhRMA, saying the powerful group
> "has been over here lobbying furiously" because the amendment "breaks
> the agreement that the White House made."
>
> AARP, the powerful seniors' group that supports drug importation, has
> notified senators that it will keep close track of votes on the Dorgan
> amendment and will use the tally in its rankings of senior-friendly
> lawmakers. AARP Senior Vice President David Sloane said Friday that
> the legislation "would create a system for safe, legal importation of
> prescription drugs from abroad" and would help lower drug costs.
>
> The Congressional Budget Office estimated the proposal would save the
> government $19 billion over the next 10 years, and Dorgan estimated
> that consumers would save $80 billion more. He pointed to vast price
> differences in drugs made in the same factories; an equivalent amount
> of the heartburn medication Nexium, for example, costs $36 in Spain
> and $424 in the United States, he said.
>
> "The pharmaceutical industry wouldn't be able to impose these price
> increases because then you would have competition," Dorgan said on the
> Senate floor last week. "Freedom equals competition in my judgment
> here on this issue."
>
> http://www.washingtonpost.com/wp-dyn/content/article/2009/12/14/AR2009121401409.html
== 2 of 2 ==
Date: Wed, Dec 16 2009 7:44 pm
From: don@manx.misty.com (Don Klipstein)
In article <hg9i13$j9r$1@aioe.org>, h wrote:
>
>"3877" <3877@nospam.com> wrote in message
>news:7oqtkrF3ma5tkU1@mid.individual.net...
>>h wrote:
>>> "Palin'sAnusRimmer" <perryneheum@hotmail.com> wrote in message
>>>> "The heartburn medication Nexium, for example, costs $36 in Spain and
>>>> $424 in the United States."
>>>>
>>>> But you just know most Republicans, the Chamber of Commerce, and the
>>>> remnants of Bush's pro-industry, anti-consumer FDA will back
>>>> drugmakers on this one!
>>>>
>>>> Now, who you seniors gonna get mad at?
>>>
>>>> -----------------
>>> Again, yet another reason to refuse to take prescription (or even OTC)
>>> drugs.
>>
>> What a terminal fuckwit.
>>>
>>> I really don't get the need. Doctors don't treat diseases, they
>>> prescribe drugs to combat symptoms. It makes them more money to treat
>>> symptoms forever rather than to fix the problem. Another reason to
>>> avoid doctors.
>>
>> You're always free to die.
>>
>>> When my mother moved back here (upstate NY) from NC after my father
>>> died, the first thing I did was convince her to STOP taking all the
>>> crap she'd been prescribed. She was in her mid-80s and taking
>>> diuretics, antacids, blood pressure meds, arthritis meds and doG
>>> knows what else - all expensive prescription meds. Sure, she had
>>> Medicare and teacher's retirement insurance, so the drugs were free,
>>> but NO ONE needs to take all that crap.
>>
>> What a terminal fuckwit.
>>
>>> Once she started eating a low-carb, low-wheat diet, ALL of her
>>> symptoms resolved, including the high blood pressure and the joint pain!
>>
>>> There is NO WAY I would EVER take prescription drugs on a regular basis.
>>
>> Great, when you end up with diabetes, you'll die.
>>
>
>I low-carb, dipshit. I CAN'T get type II diabetes (which isn't a real
>"disease" anyway, it's poor diet/lifestyle).
Then how do carnivores that eat too much all-low-carb get type II
diabetes? I have a relative who studied veterinary medicine, and he says
it happens and it's a bit common.
He even gives an explanation of the pancreas not only secreting insulin,
but also secreting a substance used for metabolizing fat on a systemic
level. Excessive fat intake can stress the pancreas, and those who
get type II diabetes mostly just eat too many calories of all forms.
(When the pancreas conks out from being stressed by fat, there is
another metabolic pathway for metabolizing fat that individual cells do on
their own.)
BTW, I have a close friend who made a dietary change and increased
exercise after getting a heart attack. He went from pudgy to lean (lost
30 pounds), reduced his total cholesterol, improved is LDL/HDL ratio and
more than halved his triglycerides. He reduced intake of all forms of
calories, though only slightly reducing intake of carbs. He reduced the
others more, and fat the most.
I would give more credibility to his cardiologist than to someone
advocating dump all the medicines and take on a diet that I sense has
pushing in a way where I look for "follow the money".
- Don Klipstein (don@misty.com)
==============================================================================
TOPIC: On keeping your friends after winning the lottery
http://groups.google.com/group/misc.consumers.frugal-living/t/f282e39347b30a3c?hl=en
==============================================================================
== 1 of 7 ==
Date: Wed, Dec 16 2009 7:59 am
From: ranck@vt.edu
Lenona <lenona321@yahoo.com> wrote:
> Just how often IS it possible to win and not have your name made
> public?
It depends on where you win. For example, in German lotteries it
is common to keep the winner's identity a secret, possibly even
from their spouse. On the other hand lotteries in some US states
*require* the winner to be identified publicly. Here is a link to
their FAQ which pretty much says you can't remain anonymous:
http://www.valottery.com/faq/kb_detail.asp?type=category&category=1&id=89
Bill Ranck
Blacksburg, Va.
== 2 of 7 ==
Date: Wed, Dec 16 2009 8:54 am
From: watcher
On 2009-12-16, h <tmclone@searchmachine.com> wrote:
>
> "Lenona" <lenona321@yahoo.com> wrote in message
> news:01ebb726-8b92-4216-a196-c25e43f20ab1@q16g2000vbc.googlegroups.com...
> On Dec 15, 9:45 am, VFW <george...@toast.net> wrote:
>>
>> I've heard that you have about the same odds of winning the lottery
>> whether you buy a ticket or not.
>
>
>>>Humorist Fran Lebowitz said that first, I believe.
Nope. I said it first; she heard it from me :-)
>
>>>Lenona.
>
> I've always heard that the lottery was a tax on people who suck at math.
>
>
There's a certain amount of truth to that, I think. However, I won't knock
people who play the lottery in my state, since the percentage the state takes
funds free public transit for geezers like me. As long as I keep my money in
my pocket and don't waste it playing the lottery, I'm ahead of the game :-)
W.
--
soneill@sdf.lonestar.org
SDF Public Access UNIX System - http://sdf.lonestar.org
== 3 of 7 ==
Date: Wed, Dec 16 2009 9:17 am
From: clams_casino
watcher wrote:
>On 2009-12-16, h <tmclone@searchmachine.com> wrote:
>
>
>>"Lenona" <lenona321@yahoo.com> wrote in message
>>news:01ebb726-8b92-4216-a196-c25e43f20ab1@q16g2000vbc.googlegroups.com...
>>On Dec 15, 9:45 am, VFW <george...@toast.net> wrote:
>>
>>
>>>I've heard that you have about the same odds of winning the lottery
>>>whether you buy a ticket or not.
>>>
>>>
>>
>>
>>>>Humorist Fran Lebowitz said that first, I believe.
>>>>
>>>>
>
>Nope. I said it first; she heard it from me :-)
>
>
>
>>>>Lenona.
>>>>
>>>>
>>I've always heard that the lottery was a tax on people who suck at math.
>>
>>
>>
>>
>
>There's a certain amount of truth to that, I think. However, I won't knock
>people who play the lottery in my state, since the percentage the state takes
>funds free public transit for geezers like me. As long as I keep my money in
>my pocket and don't waste it playing the lottery, I'm ahead of the game :-)
>
>W.
>
>
>
It's the 3rd largest source of state revenue for us. Keep buying those
tickets!!!!
== 4 of 7 ==
Date: Wed, Dec 16 2009 10:39 am
From: Lenona
On Dec 15, 9:54 pm, "h" <tmcl...@searchmachine.com> wrote:
>
> I've always heard that the lottery was a tax on people who suck at math.
Quote I found:
"Lottery: the closest we have to a tax on stupidity."
(And a depressing one, too, every time you choose to play.)
Lenona.
== 5 of 7 ==
Date: Wed, Dec 16 2009 4:59 pm
From: Les Cargill
Lenona wrote:
> On Dec 15, 9:54 pm, "h" <tmcl...@searchmachine.com> wrote:
>> I've always heard that the lottery was a tax on people who suck at math.
>
> Quote I found:
>
> "Lottery: the closest we have to a tax on stupidity."
>
> (And a depressing one, too, every time you choose to play.)
>
> Lenona.
I started playing when my child won a scholarship based on it. Seemed
the least I could do....
--
Les Cargill
== 6 of 7 ==
Date: Wed, Dec 16 2009 5:27 pm
From: The Real Bev
watcher wrote:
> On 2009-12-16, h <tmclone@searchmachine.com> wrote:
>> "Lenona" <lenona321@yahoo.com> wrote:
>> On Dec 15, 9:45 am, VFW <george...@toast.net> wrote:
>>>
>>> I've heard that you have about the same odds of winning the lottery
>>> whether you buy a ticket or not.
>>
>>>>Humorist Fran Lebowitz said that first, I believe.
>
> Nope. I said it first; she heard it from me :-)
>>
>> I've always heard that the lottery was a tax on people who suck at math.
>
> There's a certain amount of truth to that, I think. However, I won't knock
> people who play the lottery in my state, since the percentage the state takes
> funds free public transit for geezers like me. As long as I keep my money in
> my pocket and don't waste it playing the lottery, I'm ahead of the game :-)
That's a nice visible result. Ours supposedly gives money to the schools,
whatever that might mean. They (both schools and lotteries) still suck.
--
Cheers, Bev
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
"I can't stand this proliferation of paperwork. It's useless to
fight the forms. You've got to kill the people producing them."
-- Vladimir Kabaidze
== 7 of 7 ==
Date: Wed, Dec 16 2009 6:32 pm
From: Marsha
The Real Bev wrote:
> That's a nice visible result. Ours supposedly gives money to the
> schools, whatever that might mean. They (both schools and lotteries)
> still suck.
>
Ours does, too. Except for every dollar the lottery gives to the
schools, our government takes away - or so that's what I've heard.
Marsha
==============================================================================
TOPIC: Earn Money for using internet
http://groups.google.com/group/misc.consumers.frugal-living/t/2e30c8ed2718238d?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Dec 16 2009 8:04 am
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TOPIC: Jayde Nicole Nude gallery video photo playboy pictures
http://groups.google.com/group/misc.consumers.frugal-living/t/101f333a28622438?hl=en
==============================================================================
== 1 of 1 ==
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TOPIC: Why Schwab Visa's 2 Percent Rebate May Fall
http://groups.google.com/group/misc.consumers.frugal-living/t/4528843b4cfe3eb6?hl=en
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== 1 of 1 ==
Date: Wed, Dec 16 2009 5:53 pm
From: Ablang
December 16, 2009, 1:45 pm
Why Schwab Visa's 2 Percent Rebate May Fall
By RON LIEBER
The Schwab Bank Invest First Visa card is one of the most generous
credit cards in the land. It has no annual fee but takes 2 percent of
everything you spend and drops it back into a Schwab brokerage
account. Most cash-back credit cards pay half that.
Perhaps it is just a bit too good. While the company has only been
offering the card for just over a year, it recently stopped promoting
it on its Web site, which is never a good sign. Indeed, Matt Hurwitz,
a company spokesman, said in an e-mail that Schwab is "evaluating the
program going forward."
This is usually code for diminishing the rewards. So the natural
question to ask is what went wrong?
When Schwab introduced the card, I signed up right away. But I also
wondered whether the company could afford to offer a card that was
that generous for very long, and I mentioned my skepticism to a Schwab
executive, Richard Musci. "We don't put things out there that we don't
intend to stand behind," he told me in early January.
To afford to pay out 2 percent in rebates, Schwab and the Bank of
America subsidiary that is its partner in the product need to make
enough money from merchant fees and interest that cardholders pay. In
some instances, a partner like Schwab may be willing to finance a
chunk of the rebate in the hope that cardholders will move big
brokerage accounts to Schwab from other firms.
Given that Schwab is reconsidering the product, it's possible that a
lot of people opened new Schwab accounts just to collect the rebate
from the card but didn't put any other money there. Or, perhaps
current Schwab customers signed up for cards and ran plenty of money
through them but didn't carry balances often enough to make the
economics of the card work.
Mr. Hurwitz would not comment on my theories but did add that the
company had no plans to change the benefits for current cardholders.
What that would suggest is that if and when the company reduces the
rebate, people who already have the card will be grandfathered in at
the old earn rate of 2 percent.
So if you've been considering the card but still haven't signed up
yet, now's the time. While the application is gone from the Web, you
can still apply via phone at 866-724-9223.
Meanwhile, Fidelity still offers a couple of cash-back American
Express cards. Amex is not accepted at as many merchants as Visa,
though.
http://bucks.blogs.nytimes.com/2009/12/16/why-schwab-visas-2o-percent-rebate-may-fall/
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