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Today's topics:
* What are currently your best saving tips ? - 14 messages, 7 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/a23335cb8985c73c?hl=en
* It wont stay shut by itself - 10 messages, 4 authors
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* Yet another spam source - 1 messages, 1 author
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==============================================================================
TOPIC: What are currently your best saving tips ?
http://groups.google.com/group/misc.consumers.frugal-living/t/a23335cb8985c73c?hl=en
==============================================================================
== 1 of 14 ==
Date: Sun, Jun 6 2010 4:05 pm
From: "Rod Speed"
Omelet wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Omelet wrote
>>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>>> Omelet wrote
>>>>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>>>>>> and much of the side job part time stuff has dried up.
>>>>>> Like hell it has. In many ways that has increased because so many
>>>>>> have binned full time employees and replaced them with part timers.
>>>>>> And anyone with even half a clue can make money
>>>>>> on the side independently of any employer anyway.
>>>>> I actually have to agree somewhat, but it takes money to make money.
>>>> No it does not. There are plenty of ways of making money that dont take any money at all.
>>> Okay, please enlighten me.
>> One obvious approach is to flog what you already have that you dont want to keep on ebay.
> 'scuse me
No way, you are completely inexcusable.
> but I PAID for said items.
Not necessarily. I have quite a bit of stuff that my parents discarded.
> They were not free.
Some of them are.
> Not unless I raid trash bins which I have known others to do actually. <g>
Or get stuff at yard sales for peanuts.
>> You only pay the commission on sales achieved.
>>> I just invested a rather large sum.
>> Its just one way of making money. The other obvious way its to sell your labor.
> I already do that. For $25.00 per hour.
You can sell more of that and that doesnt necessarily take any money to do that.
>>>>> One has to have assets to invest.
>>>> Nope. You can always borrow the money to invest.
>>> And pay interest! No thanks. <g>
>> What matters is whether you make more than you are paying.
> Which is harder than it sounds, for some.
Sure, but isnt that hard for plenty.
> There is a reason I just cashed in 25% of my IRA's. I'll be able to
> double my money on what I am selling rather than make 3% interest.
And if you know what you are doing, you can earn more
on the money you borrow than you are paying for it.
>>> Well actually, it was good planning. I saved.
>> Thats not necessarily the best approach, it can be more
>> profitable to borrow the money and get the extra income
>> earlier, most obviouslywith a job that requires a reliable car etc.
> Not necessarily.
I said can be for a reason.
>>>>>>> Increasing income may be better, but saving money is the only way for millions right now.
>>>>>> Thats just plain wrong.
>>>>> No, it's not.
>>>> Yes it is. Even the absolute dregs can beg for example.
>>> And I should resort to that? No thanks.
>> Separate matter entirely to you claim about the only way for millions. It clearly isnt.
>> It may be the prefered way, but it certainly isnt the only way.
> Well duh!
So your original was just plain wrong, like I said.
>>>>> Both strategies are best in the long term.
>>>> Thats wrong too.
>>>>> Quit living beyond your means. It really is that simple.
>>>> Its just one way. The other obvious approach is to increase your means.
>>> If you are good at planning!
>> Dont need to be, just need to get off your arse.
> <lol> And that's news? Hello!
You never could bullshit your way out of a wet paper bag.
>>>>> Follow a shopping list
>>>> No thanks. You can make quite a bit of money by taking advantage of what shows
>>>> up, most obviously with the specials that show up in the store. You just need to make
>>>> sure that what specials you do take advantage of are stuff you will need anyway.
>>> Well due! It's called shopping the sales. That's old news and I do it all the time!
>> So you arent actually following a shopping list.
> I make the shopping list based on what I need.
You dont need a list for what you use regularly.
> I still won't buy something on sale if I don't normally need or use it. There is no point.
You dont need a list for that.
> I will, however, take advantage of sales and go to that store based on my current needs.
So you dont need a list.
>>>> Someone I know makes significant money just trading in stuff from yard sales.
>>> <lol> Yes, and thrift stores. Ebay and Craig's list are both good for that.
>>> But that's work. While I don't mind it, some people are lazy.
>> Irrelevant to whether its one way to increase your income.
> Yah think?
I know.
>>>>> and re-asses your needs and quit buying crap you really do not need!
>>>> You 'really do not need' somewhere to 'live', you can always
>>>> 'live' on the street and take advantage of free food etc.
>>> I don't freakin' think so. <g> For one thing, I'd not have regular internet access. ;-)
>> Corse you do, you just use free wifi.
> And where will I get the laptop
From a dumpster, stupid.
> and electricity if I'm a street bum?
Plenty of places to plug it in.
>>>> Doesnt mean that it makes any sense to 'live' like that tho.
>>>>> Like i-phones for a start.<g>
>>>> You have to do something with the income you have.
>>> I don't "need" an i-phone!
>> You dont 'need' to 'live' either.
>>>> Otherwise you might as well just cut to the chase and hang yourself.
>>> Nope. Save up your money so you have it for when you do need it!
>> You wont need it if you hang yourself.
>>> Like having my house central air system serviced, and having the money to do it!
>> You dont need a central air system.
> I live in Texas. Yes I do. ;-)
No you dont.
>>> There is no sin in prioritizing saving money.
>> No one said it was a sin.
> YOU seem to think it's a waste of time and effort.
YOU need to get your seems machinery seen to.
>>> It's wisdom!
>> Nope. And with the derisory interest rates being paid, it makes more sense
>> to only save enough for whats likely to happen, not for any more than that.
> Think about the future...
Dont need to, I'm rolling in it because I have always been able
to earn a lot more on what I borrow than I paid in interest.
I in fact built my house from scratch using just borrowed money, because
I was earning more on that money on the stockmarket than I was paying
in interest was was interested to see if that was feasible.
It was in fact effortless and I earned a lot more that way than I was
being paid in a very well paid professional job that was paying a lot
more than that $25/hour at that time. And we dont pay any tax on the
capital gain tax on our principle dwelling either so that was all tax free.
== 2 of 14 ==
Date: Sun, Jun 6 2010 4:10 pm
From: The Daring Dufas
On 6/6/2010 6:03 PM, Lou wrote:
> "The Daring Dufas"<the-daring-dufas@peckerhead.net> wrote in message
> news:hugng7$km6$2@news.eternal-september.org...
>> On 6/6/2010 10:58 AM, Lou wrote:
>>> "The Real Bev"<bashley101@gmail.com> wrote in message
>>> news:hufdel$26s$2@news.eternal-september.org...
>>>> On 06/05/10 20:53, Ed Pawlowski wrote:
>>>>
>>>>> "marco polo"<markphd21@gmail.com> wrote in message
>>>>>
>>>
> news:d5334a06-add5-44fd-ad9d-9dee8bce3f3c@x27g2000prf.googlegroups.com...
>>>>>> .
>>>>>> in the long run,
>>>>>> you are much much better off increasing your income
>>>>>>
>>>>>> i know it's less fun, but just think about it:
>>>>>>
>>>>>> increase your income, say $1 an hour,
>>>>>> or $10 a week, or $25 a month, or whatever,
>>>>>> and see what you have at the end of the year,
>>>>>> vs saving $1 here or $5 there, is clearly better
>>>>>>
>>>>>> marc
>>>>>
>>>>> Sounds great, but not always easily done. With the present economy,
>>>>> employers have cut OT, cut wages, cut hours, and much of the side job
>>> part
>>>>> time stuff has dried up. Increasing income may be better, but saving
>>> money
>>>>> is the only way for millions right now.
>>>>
>>>> AND the money you save isn't taxable!
>>>>
>>>
>>> Well, that depends. When I lived in Georgia, money sitting in a bank
>>> account was taxable. If you had an account, you owed tax on the balance
> and
>>> had to pay. After a year went by and tax time rolled around again, you
> had
>>> to pay tax on whatever was in that account again, even if you hadn't
> touched
>>> the account at all. In essence, you paid tax on the same money again
> and
>>> again, for as long as you had it.
>>>
>>>
>>
>> Georgia? The state in the U.S.A. or the country of Georgia?
>>
> Georgia, the state in the U.S.A. All real and personal property in the
> state is taxable unless specifically exempted by law. At the time I lived
> there, money in a bank account was not exempt.
>
>
Here in Alabamastan, I believe a bank account would be taxed if it
earned interest.
TDD
== 3 of 14 ==
Date: Sun, Jun 6 2010 4:28 pm
From: "Rod Speed"
Colbyt wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Colbyt wrote
>>> marco polo <markphd21@gmail.com> wrote
>>>> in the long run, you are much much better off increasing your income
>>>> i know it's less fun, but just think about it:
>>>> increase your income, say $1 an hour,
>>>> or $10 a week, or $25 a month, or whatever,
>>>> and see what you have at the end of the year,
>>>> vs saving $1 here or $5 there, is clearly better
>>> I suspect you have limited experience in economic matters.
>> And you do in tax matters.
>>> Please consider these facts:
>>> If you are legal, you earn taxable dollars.
>> You earn taxable dollars even if you arent legal.
>>> One may then have 30-70 cents to spend after taxes.
>> In fact the bottom 50% of tax payers pay no nett federal income tax at all.
>>> Every dollar you save and don't spend is worth 1.30 to 1.70 earned.
>> Given that 50% figure, it is in fact much more complicated than that.
>>> Here is a quick example, a breakfast sandwich and drink at MickyD's place is about $5.
>>> One made at home in less time in less time is about a dollar.
>>> I am 4 after tax dollars ahead so that is six bucks I don't need to
>>> earn or $4 that I can invest.
>>> Very few people can control what they are paid.
>> Almost everyone can control what their income is.
>>> Every person can control what they spend.
>>> Now driving 5 miles to save a nickel on a gallon of gas when you
>>> tank only holds 12 gallons is really stupid but the same person who
>>> won't save where it matters does that all the time.
>> In fact the bottom 50% of tax payers pay no nett federal income tax at all.
> I haven't been that low on the totem pole for so many years.
Irrelevant to the situation for half the taxpayers in america.
> Every year I seem to pay. Due to astute tax management I manage to keep the Federal bite at around 15%. Of course I
> still have to add on Fica, Mediscare, the state and local leeches.
Those last arent necessarily income related.
> I must be a real dumbass. All those savings over the years have compounded to the point where I can no longer be a
> freeloader on the tax system.
> Maybe you could offer me some tips on how to reduce my income and get back to freeloader status.
Not interested. I was just pointing out that your claim was wrong for half the taxpayers.
== 4 of 14 ==
Date: Sun, Jun 6 2010 4:30 pm
From: "krw@att.bizzzzzzzzzzzz"
On Sun, 6 Jun 2010 18:52:38 -0400, "Lou" <lpogoda@hotmail.com> wrote:
>
><krw@att.bizzzzzzzzzzzz> wrote in message
>news:p2mn0659alncvvct1r39aokfr3pqlc30q1@4ax.com...
>> On Sun, 6 Jun 2010 11:58:51 -0400, "Lou" <lpogoda@hotmail.com> wrote:
>>
>> >
>> >"The Real Bev" <bashley101@gmail.com> wrote in message
>> >news:hufdel$26s$2@news.eternal-september.org...
>> >> On 06/05/10 20:53, Ed Pawlowski wrote:
>> >>
>> >> > "marco polo"<markphd21@gmail.com> wrote in message
>> >> >
>> >news:d5334a06-add5-44fd-ad9d-9dee8bce3f3c@x27g2000prf.googlegroups.com...
>> >> >> .
>> >> >> in the long run,
>> >> >> you are much much better off increasing your income
>> >> >>
>> >> >> i know it's less fun, but just think about it:
>> >> >>
>> >> >> increase your income, say $1 an hour,
>> >> >> or $10 a week, or $25 a month, or whatever,
>> >> >> and see what you have at the end of the year,
>> >> >> vs saving $1 here or $5 there, is clearly better
>> >> >>
>> >> >> marc
>> >> >
>> >> > Sounds great, but not always easily done. With the present economy,
>> >> > employers have cut OT, cut wages, cut hours, and much of the side job
>> >part
>> >> > time stuff has dried up. Increasing income may be better, but saving
>> >money
>> >> > is the only way for millions right now.
>> >>
>> >> AND the money you save isn't taxable!
>> >>
>> >
>> >Well, that depends. When I lived in Georgia, money sitting in a bank
>> >account was taxable. If you had an account, you owed tax on the balance
>and
>> >had to pay. After a year went by and tax time rolled around again, you
>had
>> >to pay tax on whatever was in that account again, even if you hadn't
>touched
>> >the account at all. In essence, you paid tax on the same money again and
>> >again, for as long as you had it.
>>
>> I've *never* heard of such a thing. Do you have a citation?
>
>I'm reporting my experience. I don't have citations for my experience.
>Possibly, I could dig out my tax returns from that time and post them
>online, but it's not worth my trouble.
No, I wouldn't expect that, just a pointer so I can see how stupid your
politicians really are. DO you know what the tax was called? ...and I kinda
like Atlanta but maybe it's close enough. ;-)
== 5 of 14 ==
Date: Sun, Jun 6 2010 4:32 pm
From: "krw@att.bizzzzzzzzzzzz"
On Sun, 06 Jun 2010 16:52:44 -0500, Omelet <ompomelet@gmail.com> wrote:
>In article <ivvn06t6bb49omrrk9ushr97l34raf058t@4ax.com>,
> "krw@att.bizzzzzzzzzzzz" <krw@att.bizzzzzzzzzzzz> wrote:
>
>> On Sun, 06 Jun 2010 13:33:39 -0500, Omelet <ompomelet@gmail.com> wrote:
>>
>> >In article <odmn06djkubb7k03vt2t7i70o067nj80eq@4ax.com>,
>> > "krw@att.bizzzzzzzzzzzz" <krw@att.bizzzzzzzzzzzz> wrote:
>> >
>> >> >One made at home in less time in less time is about a dollar.
>> >>
>> >> ...and can be had at McD's for 1$.
>> >
>> >Plus the time and gas spent to go there.
>>
>> Takes time and gas to drive to work, too. Chances are that there is a McD's
>> on the way.
>
>Nor on my route to work, and I can nuke a couple of eggs and toast for
>under $1.00.
But you don't get that nice piece of sausage. ;-)
>> >It's cheaper for me to make it at home. Period.
>>
>> Usually, but not always. It's even cheaper to skip it. I do bag a lunch, but
>> not because my ass squeaks.
>>
>> >AND it's usually healthier!
>>
>> Usually, but not always.
>
>So we are somewhat in agreement... <g>
Not bad for the Usenet. ;-)
== 6 of 14 ==
Date: Sun, Jun 6 2010 4:47 pm
From: Ron
On Jun 6, 6:11 pm, "Colbyt" <col...@-SPAMBLOCK-lexkyweb.com> wrote:
> <k...@att.bizzzzzzzzzzzz> wrote in message
>
> news:p2mn0659alncvvct1r39aokfr3pqlc30q1@4ax.com...
>
>
>
> > On Sun, 6 Jun 2010 11:58:51 -0400, "Lou" <lpog...@hotmail.com> wrote:
>
> >>Well, that depends. When I lived in Georgia, money sitting in a bank
> >>account was taxable. If you had an account, you owed tax on the balance
> >>and
> >>had to pay. After a year went by and tax time rolled around again, you
> >>had
> >>to pay tax on whatever was in that account again, even if you hadn't
> >>touched
> >>the account at all. In essence, you paid tax on the same money again and
> >>again, for as long as you had it.
>
> > I've *never* heard of such a thing. Do you have a citation? The obvious
> > conclusion that one has to draw is that Georgia doesn't want savings. The
> > solution is to never leave money in a Georgia bank. That's easy enough
> > since
> > there are many who would really like to store my money.
>
> Contrary to what someone one else posted this may be true.
If we are talking about Georgia, USA, it isn't true. It's not income.
Most of my family has lived there their entire life. My father who is
74 yrs old has never heard of such a thing, and he has lived there all
but about 12 yrs of his life.
You pay taxes on the interest only.
== 7 of 14 ==
Date: Sun, Jun 6 2010 4:49 pm
From: Ron
On Jun 6, 7:03 pm, "Lou" <lpog...@hotmail.com> wrote:
> "The Daring Dufas" <the-daring-du...@peckerhead.net> wrote in messagenews:hugng7$km6$2@news.eternal-september.org...> On 6/6/2010 10:58 AM, Lou wrote:
> > > "The Real Bev"<bashley...@gmail.com> wrote in message
> > >news:hufdel$26s$2@news.eternal-september.org...
> > >> On 06/05/10 20:53, Ed Pawlowski wrote:
>
> > >>> "marco polo"<markph...@gmail.com> wrote in message
>
> news:d5334a06-add5-44fd-ad9d-9dee8bce3f3c@x27g2000prf.googlegroups.com...
>
> > >>>> .
> > >>>> in the long run,
> > >>>> you are much much better off increasing your income
>
> > >>>> i know it's less fun, but just think about it:
>
> > >>>> increase your income, say $1 an hour,
> > >>>> or $10 a week, or $25 a month, or whatever,
> > >>>> and see what you have at the end of the year,
> > >>>> vs saving $1 here or $5 there, is clearly better
>
> > >>>> marc
>
> > >>> Sounds great, but not always easily done. With the present economy,
> > >>> employers have cut OT, cut wages, cut hours, and much of the side job
> > > part
> > >>> time stuff has dried up. Increasing income may be better, but saving
> > > money
> > >>> is the only way for millions right now.
>
> > >> AND the money you save isn't taxable!
>
> > > Well, that depends. When I lived in Georgia, money sitting in a bank
> > > account was taxable. If you had an account, you owed tax on the balance
> and
> > > had to pay. After a year went by and tax time rolled around again, you
> had
> > > to pay tax on whatever was in that account again, even if you hadn't
> touched
> > > the account at all. In essence, you paid tax on the same money again
> and
> > > again, for as long as you had it.
>
> > Georgia? The state in the U.S.A. or the country of Georgia?
>
> Georgia, the state in the U.S.A. All real and personal property in the
> state is taxable unless specifically exempted by law. At the time I lived
> there, money in a bank account was not exempt.
When did you live there?
== 8 of 14 ==
Date: Sun, Jun 6 2010 4:50 pm
From: "krw@att.bizzzzzzzzzzzz"
On Sun, 06 Jun 2010 18:10:47 -0500, The Daring Dufas
<the-daring-dufas@peckerhead.net> wrote:
>On 6/6/2010 6:03 PM, Lou wrote:
>> "The Daring Dufas"<the-daring-dufas@peckerhead.net> wrote in message
>> news:hugng7$km6$2@news.eternal-september.org...
>>> On 6/6/2010 10:58 AM, Lou wrote:
>>>> "The Real Bev"<bashley101@gmail.com> wrote in message
>>>> news:hufdel$26s$2@news.eternal-september.org...
>>>>> On 06/05/10 20:53, Ed Pawlowski wrote:
>>>>>
>>>>>> "marco polo"<markphd21@gmail.com> wrote in message
>>>>>>
>>>>
>> news:d5334a06-add5-44fd-ad9d-9dee8bce3f3c@x27g2000prf.googlegroups.com...
>>>>>>> .
>>>>>>> in the long run,
>>>>>>> you are much much better off increasing your income
>>>>>>>
>>>>>>> i know it's less fun, but just think about it:
>>>>>>>
>>>>>>> increase your income, say $1 an hour,
>>>>>>> or $10 a week, or $25 a month, or whatever,
>>>>>>> and see what you have at the end of the year,
>>>>>>> vs saving $1 here or $5 there, is clearly better
>>>>>>>
>>>>>>> marc
>>>>>>
>>>>>> Sounds great, but not always easily done. With the present economy,
>>>>>> employers have cut OT, cut wages, cut hours, and much of the side job
>>>> part
>>>>>> time stuff has dried up. Increasing income may be better, but saving
>>>> money
>>>>>> is the only way for millions right now.
>>>>>
>>>>> AND the money you save isn't taxable!
>>>>>
>>>>
>>>> Well, that depends. When I lived in Georgia, money sitting in a bank
>>>> account was taxable. If you had an account, you owed tax on the balance
>> and
>>>> had to pay. After a year went by and tax time rolled around again, you
>> had
>>>> to pay tax on whatever was in that account again, even if you hadn't
>> touched
>>>> the account at all. In essence, you paid tax on the same money again
>> and
>>>> again, for as long as you had it.
>>>>
>>>>
>>>
>>> Georgia? The state in the U.S.A. or the country of Georgia?
>>>
>> Georgia, the state in the U.S.A. All real and personal property in the
>> state is taxable unless specifically exempted by law. At the time I lived
>> there, money in a bank account was not exempt.
>>
>>
>
>Here in Alabamastan, I believe a bank account would be taxed if it
>earned interest.
Only the interest is taxed, not the principal. That's a normal capital gains
tax. Taxing the principal is *not* normal. Personal property is taxed in
some states but I've never heard of cash being considered personal property.
== 9 of 14 ==
Date: Sun, Jun 6 2010 4:54 pm
From: Omelet
In article <huh9t9$dha$1@news.eternal-september.org>,
The Daring Dufas <the-daring-dufas@peckerhead.net> wrote:
> >
>
> Here in Alabamastan, I believe a bank account would be taxed if it
> earned interest.
>
> TDD
But only the interest is taxed. Not the total value
--
Peace! Om
Web Albums: <http://picasaweb.google.com/OMPOmelet>
Only Irish coffee provides in a single glass all four essential food groups: alcohol, caffeine, sugar and fat. --Alex Levine
== 10 of 14 ==
Date: Sun, Jun 6 2010 5:06 pm
From: Omelet
In article <1ubo06hmlf6vu5luhl7c0odrmdds0vf5k0@4ax.com>,
"krw@att.bizzzzzzzzzzzz" <krw@att.bizzzzzzzzzzzz> wrote:
> On Sun, 06 Jun 2010 16:52:44 -0500, Omelet <ompomelet@gmail.com> wrote:
>
> >In article <ivvn06t6bb49omrrk9ushr97l34raf058t@4ax.com>,
> > "krw@att.bizzzzzzzzzzzz" <krw@att.bizzzzzzzzzzzz> wrote:
> >
> >> On Sun, 06 Jun 2010 13:33:39 -0500, Omelet <ompomelet@gmail.com> wrote:
> >>
> >> >In article <odmn06djkubb7k03vt2t7i70o067nj80eq@4ax.com>,
> >> > "krw@att.bizzzzzzzzzzzz" <krw@att.bizzzzzzzzzzzz> wrote:
> >> >
> >> >> >One made at home in less time in less time is about a dollar.
> >> >>
> >> >> ...and can be had at McD's for 1$.
> >> >
> >> >Plus the time and gas spent to go there.
> >>
> >> Takes time and gas to drive to work, too. Chances are that there is a
> >> McD's
> >> on the way.
> >
> >Nor on my route to work, and I can nuke a couple of eggs and toast for
> >under $1.00.
>
> But you don't get that nice piece of sausage. ;-)
I make home made when pork is on sale! <g>
>
> >> >It's cheaper for me to make it at home. Period.
> >>
> >> Usually, but not always. It's even cheaper to skip it. I do bag a lunch,
> >> but
> >> not because my ass squeaks.
> >>
> >> >AND it's usually healthier!
> >>
> >> Usually, but not always.
> >
> >So we are somewhat in agreement... <g>
>
> Not bad for the Usenet. ;-)
Indeed... ;-D
--
Peace! Om
Web Albums: <http://picasaweb.google.com/OMPOmelet>
Only Irish coffee provides in a single glass all four essential food groups: alcohol, caffeine, sugar and fat. --Alex Levine
== 11 of 14 ==
Date: Sun, Jun 6 2010 7:13 pm
From: HerHusband
Hi Rod,
>> Avoid taking loans for anything.
> I dont agree with that. There are situations where a loan does make
> sense, most obviously to buy a reliable car that is essential for a
> particular job etc.
> The loan allows you to start earning real money more quickly.
If you are starting with nothing, then yes, a loan might be the only way to
acquire the essentials you need for employment (transportation, clothing,
tools, or whatever). But I would think most folks over 20 years old or so
would already have many of the basic items.
That said, we have never paid more than $3000 for a car, and have never
needed a loan. We bought our cars from savings. If we only had $1000, we
didn't buy a vehicle that cost more than $1000. Of course, we've always
been willing to fix problems ourselves, scrounging salvage yards if needed
to get the car running. Obviously, not everyone is willing or able to do
that, but I've been driving the same car (a 1976 Rabbit) for over 20 years
now and it still runs and drives great.
> Yes, but if the loan is used to buy the car that produces significant
> income, a cheap reliable car can be paid for quickly and you dont
> end up paying much for the finance if you finance it properly.
I didn't mean to imply there were "never" situations a loan might be
needed, just to "avoid" them whenever possible. We've had a few loans over
the years, starting small to build a good credit rating, and the last was
the loan for our property about 20+ years ago. But we always paid well
above the minimum to keep interest charges down (we paid off our 15 year
loan in about 5 years).
Anthony
== 12 of 14 ==
Date: Sun, Jun 6 2010 7:50 pm
From: "h"
>
> Maybe you could offer me some tips on how to reduce my income and get back
> to freeloader status.
>
> Colbyt
>
Seriously. Last year, with a taxable income (after MAJOR business
deductions) of less than $10k, I paid out almost $3k in taxes. $1,500 was
self-employment tax, but $1,400 was fed tax. On an income of less than $10k?
30%? Really? Seems a bit high for some earning "poverty" income. Who the
hell are these people paying nothing? I guess I'm a moron for owning my
house outright. I have no deductions at all other than business stuff. doG
how I miss the Clinton years when I grossed $38k and paid $4,500 in taxes. I
just don't get it.
== 13 of 14 ==
Date: Sun, Jun 6 2010 7:54 pm
From: "h"
> I didn't mean to imply there were "never" situations a loan might be
> needed, just to "avoid" them whenever possible. We've had a few loans over
> the years, starting small to build a good credit rating, and the last was
> the loan for our property about 20+ years ago. But we always paid well
> above the minimum to keep interest charges down (we paid off our 15 year
> loan in about 5 years).
>
Very sensible!
== 14 of 14 ==
Date: Sun, Jun 6 2010 8:22 pm
From: Ron
On Jun 6, 10:54 pm, "h" <tmcl...@searchmachine.com> wrote:
> > I didn't mean to imply there were "never" situations a loan might be
> > needed, just to "avoid" them whenever possible. We've had a few loans over
> > the years, starting small to build a good credit rating, and the last was
> > the loan for our property about 20+ years ago. But we always paid well
> > above the minimum to keep interest charges down (we paid off our 15 year
> > loan in about 5 years).
>
> Very sensible!
PLONK!
==============================================================================
TOPIC: It wont stay shut by itself
http://groups.google.com/group/misc.consumers.frugal-living/t/b4b28ebf5a595a15?hl=en
==============================================================================
== 1 of 10 ==
Date: Sun, Jun 6 2010 4:13 pm
From: "Lobby Dosser"
"john hamilton" <bluestarx@mail.invalid> wrote in message
news:hugc8b$uec$1@news.eternal-september.org...
> When working on my car, I bring it right up close to the house and lay my
> tools out on the floor behind the front door. Since you never know when
> it will rain, it works out very handy since then all I have to do is close
> the door; and don't have to be picking up all the tools.
Get a portable carport.
== 2 of 10 ==
Date: Sun, Jun 6 2010 4:14 pm
From: "Lobby Dosser"
"Robatoy" <counterfitter@gmail.com> wrote in message
news:2e80ef8e-e9c1-48f4-8c20-924b1f2d8f39@d8g2000yqf.googlegroups.com...
On Jun 6, 11:13 am, dpb <n...@non.net> wrote:
> EXT wrote:
> > "Bob F" <bobnos...@gmail.com> wrote in message
> >news:hugcjh$ajm$1@news.eternal-september.org...
> >> john hamilton wrote:
> >>> When working on my car, I bring it right up close to the house and
> >>> lay my tools out on the floor behind the front door. ...
>
> >> Just about any door latch in the world will fix that.
>
> > Why not use a tool box next to the car, they close up quick too.
>
> How about a car that doesn't need fixing so much?
>
> --
Audi? Hobbyist tuner? Preventative maintenance?
----------------------------------------------------------------------
Check the weather forecast?
== 3 of 10 ==
Date: Sun, Jun 6 2010 4:24 pm
From: "Lobby Dosser"
"Toby Sleigh" <toby.sleigh@gmail.com> wrote in message
news:8dCdnWFN3LkBI5bRnZ2dnUVZ7qadnZ2d@bt.com...
>
> "Jeff The Drunk" <i-am@the.bar> wrote in message
> news:pan.2010.06.06.15.12.51@joesbarandgrilll.org...
>> On Sun, 06 Jun 2010 11:06:09 -0400, Ralph Mowery wrote:
>>
>>> "john hamilton" <bluestarx@mail.invalid> wrote in message
>>> news:hugc8b$uec$1@news.eternal-september.org...
>>>> Have tried using the strongest cuboard magnet I can find (In north
>>>> London u.k.), but if the wind picks up surprisingly it will just not
>>>> hold. Also
>>>
>>> The magnet out of a hard drive is flat and very strong.
>>
>> Really? What kind of hard drive has a big flat magnet inside? That defies
>> all logic on the principals of how a hard drive works.
>
> All hard drives, the head arm solenoid uses them. My shed's full of
> magnets from HDDs. For example I use them to store sash clamps out of the
> way on the ceiling. I've used one from a larger mainframe disk drive to
> fish 37lb sash weights from a skip, you've just got to make sure it
> doesn't touch the side of the skip.
Sounds like trying to get a prize out of one of those crane machines! :()
== 4 of 10 ==
Date: Sun, Jun 6 2010 4:26 pm
From: "Lobby Dosser"
"terry" <tsanford@nf.sympatico.ca> wrote in message
news:d1dc9a49-3a1a-46d5-8105-f150e5a6aed5@40g2000vbr.googlegroups.com...
> Agree: We have kept two such very powerful magnets from old hard
> drives.
> So strong that the two attracted each and clung through a 3 inch
> sapling!
> Wood not otherwise being magnetic AFIK! {:-)
>
> My neighbour recently borrowed one to get a piece of metal
> (successfully) out of his eye!
> We keep one magnet on the fridge. It's hard to dislodge!
>
> Got another couple of hard drives downstairs to be scrapped for small
> parts, especially the magnets.
>
> Development of stronger magnets has certainly progressed during the
> last 50 to 60 years! The magnets used for WWII magnetrons were huge.
> Nowadays each microwave oven normally contains two such annular
> (doughnut shape) magnets, which together will fit into a mail
> envelope!
>
> Suggestion about windy door, use a piece of
> string ........................... !
He's keeping his trousers up with that! :)
== 5 of 10 ==
Date: Sun, Jun 6 2010 4:48 pm
From: Tony
john hamilton wrote:
> When working on my car, I bring it right up close to the house and lay my
> tools out on the floor behind the front door. Since you never know when it
> will rain, it works out very handy since then all I have to do is close the
> door; and don't have to be picking up all the tools.
>
> Now if its not warm the family doesn't like the cold air coming into the
> house and they want the front door shut, which is fair enough. Since the
> door just swings open I have to keep getting the keys out of my pocket to
> open the door.
>
> I would like the door to stay shut on its own accord, yet just open with a
> push without having to use the keys. There is no room on the door jamb to
> screw one of those helical spring self closers. And anyway in general use we
> dont want the door to close by itself. Which also rules out one of those
> hydraulic self closers which could fit on at the top of the door.
>
> Have tried using the strongest cuboard magnet I can find (In north London
> u.k.), but if the wind picks up surprisingly it will just not hold. Also
> tried cutting a thin wedge of cork glued to an upright jamb which makes the
> door a tight fit when closed. However the door shrinks in the summer and
> expands in the winter so that only works for about half the year.
>
> Grateful for any suggestions, especially something similar to the cork
> arrangement which works just fine prividing the weather suits it. Thanks.
>
Would leaving the key in the door be too much trouble?
== 6 of 10 ==
Date: Sun, Jun 6 2010 5:01 pm
From: Oren
On Sun, 6 Jun 2010 16:26:30 -0700, "Lobby Dosser" <LD@invalid.invalid>
wrote:
>"terry" <tsanford@nf.sympatico.ca> wrote in message
>news:d1dc9a49-3a1a-46d5-8105-f150e5a6aed5@40g2000vbr.googlegroups.com...
>> Agree: We have kept two such very powerful magnets from old hard
>> drives.
>> So strong that the two attracted each and clung through a 3 inch
>> sapling!
>> Wood not otherwise being magnetic AFIK! {:-)
>>
>> My neighbour recently borrowed one to get a piece of metal
>> (successfully) out of his eye!
>> We keep one magnet on the fridge. It's hard to dislodge!
>>
>> Got another couple of hard drives downstairs to be scrapped for small
>> parts, especially the magnets.
>>
>> Development of stronger magnets has certainly progressed during the
>> last 50 to 60 years! The magnets used for WWII magnetrons were huge.
>> Nowadays each microwave oven normally contains two such annular
>> (doughnut shape) magnets, which together will fit into a mail
>> envelope!
>>
>> Suggestion about windy door, use a piece of
>> string ........................... !
>
>
>He's keeping his trousers up with that! :)
Trousers? Are those the same as Breeches?
== 7 of 10 ==
Date: Sun, Jun 6 2010 8:15 pm
From: "Lobby Dosser"
"Oren" <Oren@127.0.0.1> wrote in message
news:tgdo06ppb2961udjnkkrfh4mtafr58dn97@4ax.com...
> On Sun, 6 Jun 2010 16:26:30 -0700, "Lobby Dosser" <LD@invalid.invalid>
> wrote:
>
>>"terry" <tsanford@nf.sympatico.ca> wrote in message
>>news:d1dc9a49-3a1a-46d5-8105-f150e5a6aed5@40g2000vbr.googlegroups.com...
>>> Agree: We have kept two such very powerful magnets from old hard
>>> drives.
>>> So strong that the two attracted each and clung through a 3 inch
>>> sapling!
>>> Wood not otherwise being magnetic AFIK! {:-)
>>>
>>> My neighbour recently borrowed one to get a piece of metal
>>> (successfully) out of his eye!
>>> We keep one magnet on the fridge. It's hard to dislodge!
>>>
>>> Got another couple of hard drives downstairs to be scrapped for small
>>> parts, especially the magnets.
>>>
>>> Development of stronger magnets has certainly progressed during the
>>> last 50 to 60 years! The magnets used for WWII magnetrons were huge.
>>> Nowadays each microwave oven normally contains two such annular
>>> (doughnut shape) magnets, which together will fit into a mail
>>> envelope!
>>>
>>> Suggestion about windy door, use a piece of
>>> string ........................... !
>>
>>
>>He's keeping his trousers up with that! :)
>
> Trousers? Are those the same as Breeches?
>
I was translating to Brit.
Just got in from the Isle of Skye
I'm not very big and I'm awfully shy
The ladies shout as I go by
Donald where's your troosers?
Chorus:
Let the winds blow high,
Let the winds blow low,
Down the street in my kilt I go
And all the ladies say hello
Donald where's your troosers?
== 8 of 10 ==
Date: Sun, Jun 6 2010 9:40 pm
From: mm
On Sun, 6 Jun 2010 16:55:57 +0100, "John" <Who90nospam@ntlworld.com>
wrote:
>
>"Jeff The Drunk" <i-am@the.bar> wrote in message
>news:pan.2010.06.06.15.31.46@joesbarandgrilll.org...
>> On Sun, 06 Jun 2010 16:27:12 +0100, Mrcheerful wrote:
>>
>>> Jeff The Drunk wrote:
>>>> On Sun, 06 Jun 2010 11:06:09 -0400, Ralph Mowery wrote:
>>>>
>>>>> "john hamilton" <bluestarx@mail.invalid> wrote in message
>>>>> news:hugc8b$uec$1@news.eternal-september.org...
>>>>>> Have tried using the strongest cuboard magnet I can find (In north
>>>>>> London u.k.), but if the wind picks up surprisingly it will just not
>>>>>> hold. Also
>>>>>
>>>>> The magnet out of a hard drive is flat and very strong.
>>>>
>>>> Really? What kind of hard drive has a big flat magnet inside? That
>>>> defies all logic on the principals of how a hard drive works.
>>>
>>> ordinary IDE, the magnet is so strong that it is hard to get off a flat
>>> metal surface without tools!!!
>>
>> Well I guess you learn something new every day. I would think a magnet
>> anywhere near the metal recording medium where the data lives would wipe
>> it out.
>>
>
>Since Faraday all motors use magnets!
>
But this is Sunday. Faraday's not for 5 days.
== 9 of 10 ==
Date: Sun, Jun 6 2010 9:44 pm
From: mm
On Sun, 6 Jun 2010 16:24:59 -0700, "Lobby Dosser" <LD@invalid.invalid>
wrote:
>"Toby Sleigh" <toby.sleigh@gmail.com> wrote in message
>news:8dCdnWFN3LkBI5bRnZ2dnUVZ7qadnZ2d@bt.com...
>>
>> "Jeff The Drunk" <i-am@the.bar> wrote in message
>> news:pan.2010.06.06.15.12.51@joesbarandgrilll.org...
>>> On Sun, 06 Jun 2010 11:06:09 -0400, Ralph Mowery wrote:
>>>
>>>> "john hamilton" <bluestarx@mail.invalid> wrote in message
>>>> news:hugc8b$uec$1@news.eternal-september.org...
>>>>> Have tried using the strongest cuboard magnet I can find (In north
>>>>> London u.k.), but if the wind picks up surprisingly it will just not
>>>>> hold. Also
>>>>
>>>> The magnet out of a hard drive is flat and very strong.
>>>
>>> Really? What kind of hard drive has a big flat magnet inside? That defies
>>> all logic on the principals of how a hard drive works.
>>
>> All hard drives, the head arm solenoid uses them. My shed's full of
>> magnets from HDDs. For example I use them to store sash clamps out of the
>> way on the ceiling. I've used one from a larger mainframe disk drive to
>> fish 37lb sash weights from a skip, you've just got to make sure it
>> doesn't touch the side of the skip.
>
>Sounds like trying to get a prize out of one of those crane machines! :()
It was from a speaker, not a harddrive, but I used a big magnet to try
to fish my keys that were ten feet down a drain pipe in front of the
Union railroad station in Baltimore. I ended up with a 2 foot piece
of rebar, but no keys. (I carried two sets of keys in those days
so getting home was easy.) It was a ceramic pipe I think.
== 10 of 10 ==
Date: Sun, Jun 6 2010 9:59 pm
From: mm
On Sun, 06 Jun 2010 14:22:03 -0400, aemeijers <aemeijers@att.net>
wrote:
>
>Methinks that if OP can't figure a painless way to rig the front door to
>not lock him out every time it closes (like a snippet of duct tape over
>the the bolt),
Better than duct tape over the bolt (the triangular, wedge-like bolt,
I think you mean) is a paper wad stuck in the hole. It leaves no
residue and isn't visible if a burglar walks by when you take the car
for a test drive and leave the house unlocked.
The Watergate burglars used duct tape to keep one of the doors to the
hall open. The first time the guard walked by, he thought someone did
it during work hours, and removed it. The burglars replaced the
tape!!! **
The second time the guard walked by, he saw the tape and called the
police.
If I had been running the burglary, they wouldn't have been caught.
**I don't know why since I thought they were done coming and going by
then, and I thought all were inside. (Coming and going should be kept
at a minimum during a burglary.)
> he'd best not be doing any work on the brakes on his
>motorcar. Dunno about UK and Chubb or whoever, but door latch makers
>here in the states always put a little tab or button to disable the
>auto-lock feature when needed.
==============================================================================
TOPIC: Yet another spam source
http://groups.google.com/group/misc.consumers.frugal-living/t/0a2c8956e3506738?hl=en
==============================================================================
== 1 of 1 ==
Date: Sun, Jun 6 2010 9:42 pm
From: The Real Bev
On 06/06/10 08:13, h wrote:
> "The Real Bev"<bashley101@gmail.com> wrote in message
> news:hufdck$26s$1@news.eternal-september.org...
>> On 06/05/10 15:44, NancyR wrote:
>>
>>> "The Real Bev"<bashley101@gmail.com> wrote in message
>>> news:hu9tig$l20$1@news.eternal-september.org...
>>>> I've recently gotten spam text messages on my pre-paid T-Mobile
>>>> account,
>>>> which cost me a nickel each. Outrageous. I phoned tech support. The
>>>> first guy was barely able to speak English and hung up on me after 4
>>>> minutes. The second guy was OK and set my account up so that I would
>>>> NOT
>>>> receive marketing messages.
>>>>
>>>> What a crappy system. You're assumed to WANT to pay for spam unless
>>>> you
>>>> call and tell them different.
>>>>
>>>> I shouldn't complain, though. It costs me $10/year now and I'll
>>>> probably
>>>> never use up my minutes. Still...
>>>
>>> What plan do you have that is $10 a year?
>>
>> Cheap prepaid. Once you've bought $100 worth of minutes, from then on
>> they all roll over as long as you buy $10 worth (maybe 30 minutes or so)
>> each year. I've got 800 minutes now, and I don't make more than 4 calls a
>> month ("Hi, there's traffic, I'll be a little late."), rarely that. On a
>> per-minute basis it's not particularly cheap, but on a per-year basis you
>> can't find anything better.
>>
> Tracfone is like that, but they also require you to buy airtime. Works out
> to $6/month, not $10/year. Does your plan not charge for airtime?
That's what you're buying for your $10/year. Another 35 minutes added to the
total. If your phone takes pictures, it costs 2.5 minutes to send one -- I
wish I'd known that when I bought my phone (Samsung T319), which does NOT have
USB connection capability.
<http://www.t-mobile.com/shop/plans/prepaid-plans.aspx?WT.mc_n=PrePdPlnsOvrMain&WT.mc_t=OnsiteAd>
Connectivity at my house sucks. I have to walk up or down the street 50 feet,
and then it's fine. Not really all that important since we have a land line.
--
Cheers, Bev
===================================================================
"A democracy cannot exist as a permanent form of government. It can
only exist until a majority of voters discover that they can vote
themselves largess out of the public treasury."
-- Alexander Tytler (Unverified)
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