Frugal Living: Dec 30, 2009

Wednesday, December 30, 2009

misc.consumers.frugal-living - 14 new messages in 12 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

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TOPIC: "stanford university" "stanford business school" "stanford mba" "
stanford video lectures" "stanford law school" "stanford cs" "stanford
university history" "stanford medical school" ON http://stanford-edu.blogspot.
com/
http://groups.google.com/group/misc.consumers.frugal-living/t/a726792392173ee5?hl=en
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== 1 of 1 ==
Date: Mon, Dec 28 2009 11:54 pm
From: Naeem

"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ "stanford
university" "stanford business school" "stanford mba" "stanford video
lectures" "stanford law school" "stanford cs" "stanford university
history" "stanford medical school" ON http://stanford-edu.blogspot.com/
"stanford university" "stanford business school" "stanford mba"
"stanford video lectures" "stanford law school" "stanford cs"
"stanford university history" "stanford medical school" ON
http://stanford-edu.blogspot.com/ V

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TOPIC: Christmas Gifts made easy by Giftswish.com
http://groups.google.com/group/misc.consumers.frugal-living/t/80453a20e892c20a?hl=en
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== 1 of 2 ==
Date: Tues, Dec 29 2009 3:50 am
From: Bob Monk

Christmas Gift Baskets
[ Url: http://www.giftswish.com/gift-baskets-christmas-gift-baskets.html
]

Christmas Gifts are a tradition which might be as old as Christianity.
The custom of giving Christmas Gifts possibly started with the three
wise men who gave gifts of gold, frankincense, and myrrh to the Child
Christ. However, the true meaning of gift giving at Christmas is this.
"For God so loved the world that He gave His only begotten Son. That
whosoever believeth in Him shall not perish but have everlasting
life." (John 3:16).

Christmas Gifts starts with Christmas. The word Christmas means Christ
s Mass. For many centuries it was accepted that Jesus was born on this
day. However, later scholars started offering alternative theories
about the origin. Christmas as we know today was started during the
Victorian era in England and today we have a Christmas celebration
which some times seems far removed from the true meaning and learning
of Christ and is almost always a commercial celebration.

Christmas Gifts originated in western culture, where the holiday is
characterized by the exchange of gifts among friends and family
members. Santa Clause a jolly well nourished bearded man who typified
the spirit of good cheer at Christmas, who brings gifts to all and
sundry and more so for children.

Christmas Gifts allow us to remember all our friends and families and
say thank you. It allows us to re-connect and strengthen our bonds
with our loved ones. But it is also a very stressful time for most of
us. To find the right gift for every one in our list is no easy task.
No body wants the unwanted clutter in their life. What gift to give
when one has everything? Gifts are an expression of our feelings. The
gift represents the giver's feelings since the gift is an expression
of the giver's feelings toward the recipient. In theory anything goes.
And we have seen people giving thoughtless junks to others as gifts.

Christmas Gifts need not be expensive useless clutter. It can be a
simple pleasure of heart like good chocolates or cookies. Who does not
like a good chocolate or a box full of cookies or better still a
gourmet gift basket. These gifts always bring out the smile on the
face of the receiver and the feeling of happiness and joy is shared
all around. Gift Baskets are universal crowd pleasers. In an office,
staff members can share all the goodies and have fun. At home, kids
love the goodies and even the grown ups can not pass on the
temptations. Some one has said that the door to the heart is through
the stomach. However, all gift baskets are not made equal. Often times
a gourmet gift basket contains a collection of fancy boxes but little
of substance. To ensure that Christmas Gift Basket has the absolute
best products, which will convey the class and true feeling, select
the gift basket from the best purveyor of Gourmet Foods,
Giftswish.com.

visit here : http://www.giftswish.com/gift-baskets-christmas-gift-baskets.html

== 2 of 2 ==
Date: Tues, Dec 29 2009 6:09 am
From: clams_casino

Bob Monk the scammer wrote:

>Christmas Gift Baskets
>[ Url: http://www.giftspam.com/gift-baskets-christmas-gift-baskets.html
>]
>
>Christmas Gifts are a tradition which might be as old as Christianity.
>
>

posted via gmail / google through India.....

Are you suggesting they might arrive by 12/25/10?

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TOPIC: Discount wholesale Rolex Watch (www.brandshoes08.com) (paypal payment)
http://groups.google.com/group/misc.consumers.frugal-living/t/b9d26639f6cb34cc?hl=en
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== 1 of 1 ==
Date: Tues, Dec 29 2009 6:54 am
From: honst-trade

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TOPIC: I own the domain - but who owns the name? (blog question)
http://groups.google.com/group/misc.consumers.frugal-living/t/8b9ad36938211feb?hl=en
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== 1 of 1 ==
Date: Tues, Dec 29 2009 1:02 pm
From: jeff

Ohioguy wrote:
> > My understanding is that the owner of an established business has a
> >legal right to the domain name.
> I understand and support that, but she had no established business
> when I thought up the domain name, and searched for it. Somebody
> evidently saw my searches, and decided to register it shortly
> thereafter, because not that long afterwards, the domain was
> unavailable.

Don't search and not register. Your search suggestions then become
available for others. Not a lot of great easy names left.

I had to pay hundreds to get it, but decided that it would
> be worth it, since I wanted the best website for local dining when I
> eventually got around to developing it.
>
> >Such that if there was no FedEx.com, and someone other than FedEx had
> >registered FedEx.com, FedEx would be able to claim that domain name.
> But see, the reverse is true this time around. I registered the
> domain more than 5 years before she started her blog. In fact, you can
> see my address and contact info in the whois lookup. (keep in mind that
> 'dola' is not the actual city name, or domain name) Anyone looking up
> the whois info could clearly see what state and city I was aiming for.
> Evidently I thought much more protection came from owning a domain.

No, practically none at all. It's the business that has the protection,
and it's trademarks. Owning the domain name only entitles you to
protection from businesses that don't have a clear widespread claim on
the name, hence claim also to the domain name. Owning a domain name can
be more tenuous than you think!

Jeff
>
>

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TOPIC: Watch Hot Sexy Star Aishwarya rai Nude Bathing Videos In All Angles .
http://groups.google.com/group/misc.consumers.frugal-living/t/863309b5766a7427?hl=en
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== 1 of 1 ==
Date: Tues, Dec 29 2009 1:23 pm
From: KEERTHI

Watch Hot Sexy Star Aishwarya rai Nude Bathing Videos In All Angles
at

http://blogcreationandhosting.blogspot.com/2009/11/play-with-internet.html

< Due to high sex content,I have hidden these videos inside an Image.
In that website,click on big vertical shining image on the right side
of website & watch the videos >

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TOPIC: Arrest Information 1064 Fox Meadow Way
http://groups.google.com/group/misc.consumers.frugal-living/t/b75fa48338736924?hl=en
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== 1 of 1 ==
Date: Tues, Dec 29 2009 2:46 pm
From: crimewatcher@cooltoad.com

Arrest Information 1064 Fox Meadow Way Concord , CA 94518-2907
Verified Address Reported: 11/30/2009 by Crime Reporter No. 6040
Source: Pleasant Hill PD

M VC14601.1(A) Drive While License Suspended

Bail Amount:
Residing in Crime Beat Zone: Contra Costa County Central

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TOPIC: 2010 Financial Resolution Guide: 10 Choices – A La Carte Style
http://groups.google.com/group/misc.consumers.frugal-living/t/eeda5d034b049828?hl=en
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== 1 of 1 ==
Date: Tues, Dec 29 2009 4:10 pm
From: Ablang

2010 Financial Resolution Guide: 10 Choices – A La Carte Style
Posted: 29 Dec 2009 06:54 AM PST

Looking for Financial Resolutions that you can Actually Stick to this
Year?

If anyone knows how hard it is to stick to resolutions, it's me. If I
had a dollar for every time that I vowed that I was going to… stop
talking about how real Sasquatch is, or… stop farting in the company
of my dog and blaming it on him – then I'd be rich.

Giving a one-size-fits-all personal finance resolution list is
incredibly unrealistic, and just downright arrogant. That's why I
wanted to provide a list of 10 financial landmarks that you can set
out to achieve in 2010 to enhance your financial well being and build
a good foundation for the future.

My challenge to you is to pick 3 of the 10 to focus on in 2010 and
share what they are in the comments. Cross more than three off the
list? You're an all star. Have all of these crossed off your list
already? Then what is next for you? Share with us!
1. Start up an IRA

An IRA is ESSENTIAL to any retirement strategy. If you don't have one,
what are you waiting for? It wouldn't be a bad idea to have both a
traditional and a Roth IRA either, to give you options come tax time.

I recently moved my IRA from ETrade to TradeKing, because Tradeking
offers zero inactivity fees, zero annual fees, they get consistently
good reviews, and trades are only $4.95. It might be a good place to
start. Also, check out my recent post on 2010 maximum IRA
contributions for some pointers on IRA limits and deadlines.
2. Create a Budget – and Stick to it

This should really be step one for everyone. And I'm not just talking
about looking at your Mint income and expenses and if you're in the
black, calling it good. True planning requires you to know every
source of recurring expenses and income and then planning for the
larger one-off expenses. Here's a free budget planning worksheet that
I created and use to get you jump started.
3. Rollover Old 401K Monies Into your IRA

If you have old 401(k)'s from previous employers just sitting around,
they may be doing nothing but collecting high maintenance fees.
Consolidation of your retirement accounts can be extremely motivating
and save you money in the long run. Not to mention, it can be
extremely difficult to get an overview of your diversification across
a large number of retirement accounts.
4. Downgrade your Vehicle

My decision to sell my vehicle and start taking public transportation
was one of the best decisions that I ever made financially. If you are
able to go that far, I'd highly recommend it. I estimate that I was
able to save, at a minimum, $3,500 annually.

At the same time, I reduced my total carbon footprint by 1.3 tons
(10%) annually. If public transportation is not an option, and you are
making payments on a vehicle, consider downgrading to save extreme
cash in 2010.
5. Get your Full Employer's 401(k) Match

Whether your employer is willing to match 2 or 100% of your 401(k)
contributions, its crazy not to take advantage of the match, if you
have the money available to contribute. Check with your employer to
see how you can maximize their match.
6. Save a Year's Worth of Living Expenses in your Emergency Savings

It may sound like a bit much, but if you are able to do it, it can be
a life saver. With my wife being laid off for 3 months in 2009, I
don't know what we would have done had we been living paycheck-to-
paycheck. Here are some tips on getting your emergency savings ramped
up.
7. Eliminate all Bad Debt

Virtually all debt outside of student loans and mortgages could
rightly be considered 'bad debt'. Make 2010 the year that you will pay
it off and begin a new financial chapter in your life.
8. Clean up your Credit History

Annualcreditreport.com (a govt. mandated site) offers you three free
credit reports annually from each of the three major credit monitoring
companies – Equifax, TransUnion, and Experian. Space them out 4 months
apart to stay on top of any major changes. Close down all accounts
that you have no intention of using again and dispute any
discrepancies or strange items that you cannot explain.

Watch out for credit score upsells, and by all means, stay away from
less reputable sites such as freecreditreport.com.
9. Cut your Utility Bills

With a combination of simply asking and doing a little research, you
can cut your bills significantly. In 2009, I was able to cut my phone
bill in half with Ooma (for a savings of $30/mo.), and cut my Comcast
bill by 33% (for a savings of $43) without losing any service! That's
$73/mo. in savings, or $876 annually!
10. Plan your Meals at Least a Week in Advance

May sound kind of ridiculous, but planning out your meals ahead of
times ensures that when you go grocery shopping, you purchase
everything you need. This cuts down on impulse food spending from
eating out or worrying about where you're going to find your next
meal. It also eliminates the stress of not having your next meal
around (we're hunters by nature, after all).

Reader Discussion:

* Which 3 of the 10 would you pick to focus on? Why?
* Have all of these crossed off your list already? Then what is
next for you? Share with us!
* What are your financial goals for 2010?

http://feedproxy.google.com/~r/20somethingfinancecom/~3/cV3mqDgS_kw/?utm_source=feedburner&utm_medium=email

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TOPIC: Buy More For Less
http://groups.google.com/group/misc.consumers.frugal-living/t/1c385b821039f3e4?hl=en
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== 1 of 1 ==
Date: Tues, Dec 29 2009 4:49 pm
From: sashadro

If you're looking to find the best deals and learn how to buy more for
less, then you need to check out http://www.snagabargain.com.

==============================================================================
TOPIC: Atty Charles Novins Pursues Legal challenge to Protect Innocents From
Internet Vandals
http://groups.google.com/group/misc.consumers.frugal-living/t/0dbe412ed1fc840e?hl=en
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== 1 of 2 ==
Date: Tues, Dec 29 2009 7:28 pm
From: Atlas Bugged

Charles Novins, Esq., has received apologies from several of the
anonymous internet thugs attempting to libel him. The perpetrators
posted libelous musings about drug use and sex crimes, all outright
lies. Rather than face legal prosecution, most have backed down.

Novins is a prominent attorney from Toms River, a "Jersey-shore" town
in Ocean County, New Jersey.

[These newsgroups listed in the header were among the many where the
original libel of Novins (and others) was posted, thus the general
reporting of this matter here.]

Of course, the ability to post anonymously to the internet in such a
way that it is impossible to be traced is now trivially easy, so it is
likely further libel will appear. The only way this will ever be
addressed is to hold the "publishers" - online services ranging from
Google all the way down to bedroom-based chat-room providers -
responsible, just as was done in the days of print publishing.

The widely-despised "Communications Decency Act," a Clinton-era relic
meant to censor the internet, was mostly struck down by the Supreme
Court. It lives on in part, however, causing further harm. It
immunizes the publisher of damaging defamation from responsibility for
spreading the lies, the fraud, and for businesses harmed, in what
essentially amounts to stealing.

Novins hopes the damage that was caused to him can be remedied if the
law is changed. The defamation in his case was so egregious - and so
utterly false - that he hopes his case can serve as an example of what
happens when the law leaves an injured party without any legal means
of recourse.

In recent days, the Novins firm has become a clearinghouse for others
damaged in the same way. Several other victims have called Novins,
seeking information as to the laws, the technology, and in some cases,
providing information about some perpetrators. It's a serious uphill
battle to alter federal laws, but Novins, a 23-year practitioner, has
several times in the past been instrumental in changing unjust
provions in law.

== 2 of 2 ==
Date: Tues, Dec 29 2009 8:42 pm
From: "Malcom \"Mal\" Reynolds"

In article
<b1d44abd-394c-4152-a3c8-58c34fa33ce0@19
g2000vbq.googlegroups.com>,
Atlas Bugged <atlasbugged@gmail.com>
wrote:

> Charles Novins, Esq., has received apologies from several of the
> anonymous internet thugs attempting to libel him. The perpetrators
> posted libelous musings about drug use and sex crimes, all outright
> lies. Rather than face legal prosecution, most have backed down.

Any your proof of this can be found
where?

==============================================================================
TOPIC: Best online service for buying stocks?
http://groups.google.com/group/misc.consumers.frugal-living/t/dd13fdcbec4c4879?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Dec 29 2009 8:44 pm
From: SoCalMike

Ohioguy wrote:

> However, it did get me thinking - is Scottrade truly the lowest priced
> online place for buying and selling stocks if you just do it a few times
> a year, and are working with smaller amounts? I thought I would ask
> here to see if any of you had experiences you could share.

i looked into sharebuilder through costco when i was researching
alternatives right before the crash last year. scottrade was the best
alternative for what i wanted to do, which was primarily buy and hold
for a while. id been waiting for a time to jump in and buy. so far, so
good. up 40% since then with my only regret being i wish id bought more
ford stock. its quintupled in price since i bought my 400 shares.

==============================================================================
TOPIC: Global Warming and what you can do to against it
http://groups.google.com/group/misc.consumers.frugal-living/t/5a9e55634c24f34a?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Dec 29 2009 9:48 pm
From: "Nick Naim"

".." <sustainable.future115@gmail.com> wrote in message
news:cd2670be-2333-4d10-8d30-bfbea4a91df6@e27g2000yqd.googlegroups.com...
> Dear All,
> As you know global warming is endangering the future of life on the
> planet. It will also affect us;
> rising sea levels, dwindling water supplies, mass deaths due to heat
> waves, stoppage of the gulfstream, which
> brings milder climate to north of Europe, super hurricanes, less food
> due to droughts are some of the effects.
> As you also know global warming is produced due to CO2 emissions
> coming from burning of fossil fuels. So what
> can every single person do to reduce global warming ?
>
>
> 1) Insulation: Do you know that you can save 50% of heating energy
> (and money) by insulation ? Especially in
> the times the financial crisis, you can make the insulation cheaper
> and save the money when oil, natural gas and
> coal prices are higher due to higher demand. What needs to be
> insulated ? Firstly the Roof, since warmer air
> goes up, then the windows (tripple glass or at least dual glass and
> shutters for additional insulation at night,
> and in summer time), then the outer walls. Also small cracks, leaks in
> weatherstrips etc should be eliminated.
> An infrared inspection of your house for heat losses would be the best
> way to find out what else can be done.
> A wintergarden will help heating your house additionally in winter
> time.
>
> 2) Using rechargable batteries instead of alkaline batteries, and
> charge them during less demand ours like at night
> will also save a lot of energy and money.
>
> 3) Lightning; the use of Compact fluorescent lamps instead of
> traditioanl light bulbs will save 80% of energy, the
> use of very new LED lamps will save even more.
>
> 4) Buying local. Most of the energy is spent for transportation of
> imported goods, especially food. By buying local
> made food you not only save a lot of energy, but also create more jobs
> at home.
>
> 5) Heating; there are several way to save energy and money by changing
> the heating method; you can use the free heat of the nature by adding
> a solar thermal equipment to heat the water for taking showers and
> also to heat your home. Additionally you can use a heating pump, which
> funtions like a reverse fridge; it takes the heat of the outside and
> transfers it to your home. You use much much less energy to do this
> (electricity to pump a liquid).
>
> 6) Your car; by buying a hybrid car you save 30% of fuel, by
> converting your car to CNG (compressed natural gas) you can save a lot
> of CO2, since CNG has much less carbon but more hydrogen, which will
> result in water (CH4 instead of C8H18). CNG will also result in much
> more energy output per mass. The conversion is not very expensive. It
> is totally save, since the storage has to resist a certain pressure.
> Of course there are also other smaller things you have to consider:
> - Each 60 pounds increases fuel consumption by 10%.
> - Aggressive driving (speeding, rapid acceleration, and hard braking)
> wastes gas. It can lower your highway gas
> mileage 33% and city mileage 5%.
> - Drive at lowest and constant rpms; 2000 rpm are enough; you can save
> up to 30%. Even a Porsche can be driven
> at the 4th gear at 20 mph and at the 6th gear at 50 mph with 2.5
> times less fuel consumption.
> - Avoid high speeds. Driving 75 mph, rather than 65 mph, could cut
> your fuel economy by 15%.
> - Use air conditioning only when necessary
> - Keep tires properly inflated and aligned to improve your gasoline
> mileage by around 3.3%.
> - Replace clogged air filters to improve gas mileage by as much as 10%
> and protect your engine
> - Combine errands into one trip. Several short trips, each one taken
> from a cold start, can use twice as much fuel
> as one trip covering the same distance when the engine is warm. Do
> not forget that in the first mile your car uses
> 8 times more fuel, in the second mile 4 times and only after the
> fourth mile it becomes normal
>
> 7) Buying A++ or A+++ equipments. The extra money you pay for this
> will be back in 1-2 years. It will save a lot of
> CO2.
>
> 8) Try to save also energy at your job; you can do it by insulation,
> more efficient processes, heat recovery, more
> efficient pumps/engines, low temperature processses, material
> saving, water savings, optimization, automatic
> turning off of unnecessary energy using processes, control if some
> processes are really necessary (the change
> of some processes makes other processes sometimes unnecesarry on
> which nobody has thought about).
>
> 9) Solar cells for your own home; at the moment solar cells are very
> cheap since there is an overproduction.
> These cells can operate a fridge for example.
>
> Regards.
Stop Fcking and having kids

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TOPIC: Tylenol recall
http://groups.google.com/group/misc.consumers.frugal-living/t/ea8b2a1e0087429d?hl=en
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== 1 of 1 ==
Date: Tues, Dec 29 2009 11:17 pm
From: zeez

http://www.fda.gov/Safety/Recalls/ucm195690.htm

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misc.consumers.frugal-living - 14 new messages in 12 topics - digest