Frugal Living: Feb 1, 2011

Tuesday, February 1, 2011

misc.consumers.frugal-living - 19 new messages in 8 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:

==============================================================================
TOPIC: how to choose a cat or kitten
http://groups.google.com/group/misc.consumers.frugal-living/t/6d0035aa1ee69ca2?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Jan 30 2011 8:16 pm
From: new nym

In article <4d44ec2d$0$9077$815e3792@news.qwest.net>,
"Brian Kraft" <bkraft@nyx.net> wrote:

> Thomas' promises wrote:
>
> > Your best bet is the
> >friendly, outgoing cat, who nudges an outstretched finger offered
> >through the cage bars
>
> Shelter staff might have written down which animals are suitable.

boy, when we went to the county pound the "sheriff" led us straight to
the best black kitty. Luna reached out of the cage and grabbed my sleeve.
We are happy, tho no kitty could really replace Xena. Our Norwegian
Forest Cat.
--
Karma, What a concept!

==============================================================================
TOPIC: question about 'revolving accounts'
http://groups.google.com/group/misc.consumers.frugal-living/t/ee228f3f89c08370?hl=en
==============================================================================

== 1 of 5 ==
Date: Mon, Jan 31 2011 12:48 am
From: Ohioguy

My wife and I fairly recently got a new credit card to use as our
primary credit card. It advertised a 5% cash back on gasoline
purchases, which caught my eye. In practice, however, it came with a
much lower credit limit - just $2k, instead of the $6k we were used to.
We ran into issues very quickly when we tried to put a vacation on it,
and came up close to the limit. Then we found out that for 6 months we
are 'on probation', so they don't apply a payment for a week after we
wire it. During our vacation, even though I had prepaid more than $2k
on the card, we ran into a situation where we were being told the card
could not be charged. I tried applying for a higher credit limit, and
it was showing we would get an $8k limit, but then I was told we would
have to wait until the 1 year anniversary of when we first signed up
before applying for a credit increase.

That was enough for my wife. Although we had asked the old $6k visa
to cancel the account, they were still sending us statements showing our
$50+ debit on there 5 or 6 months later. She called them, and asked to
have them reinstate the account. They mentioned something noncommittal
on the phone.

A few days ago, we got a letter stating that they were declining to
reissue our cards or reinstate the account. (this, despite the fact that
they had sent us 'preapproved' letters several times, and tried to get
us to sign up for new cards!) The reason listed was "too many revolving
accounts".

How many is too many?

== 2 of 5 ==
Date: Mon, Jan 31 2011 7:25 am
From: "Rod Speed"

Ohioguy wrote

> My wife and I fairly recently got a new credit card to use as our
> primary credit card. It advertised a 5% cash back on gasoline
> purchases, which caught my eye. In practice, however, it came with a
> much lower credit limit - just $2k, instead of the $6k we were used
> to. We ran into issues very quickly when we tried to put a vacation
> on it, and came up close to the limit. Then we found out that for 6
> months we are 'on probation', so they don't apply a payment for a
> week after we wire it. During our vacation, even though I had
> prepaid more than $2k on the card, we ran into a situation where we
> were being told the card could not be charged. I tried applying for
> a higher credit limit, and it was showing we would get an $8k limit,
> but then I was told we would have to wait until the 1 year anniversary of when we first signed up before applying for
> a credit increase.

> That was enough for my wife. Although we had asked the old $6k visa
> to cancel the account, they were still sending us statements showing
> our $50+ debit on there 5 or 6 months later. She called them, and
> asked to have them reinstate the account. They mentioned something
> noncommittal on the phone.

> A few days ago, we got a letter stating that they were declining to
> reissue our cards or reinstate the account. (this, despite the fact
> that they had sent us 'preapproved' letters several times, and tried
> to get us to sign up for new cards!) The reason listed was "too many
> revolving accounts".

> How many is too many?

There isnt a single number that applys to all cards at all times.

== 3 of 5 ==
Date: Mon, Jan 31 2011 7:32 am
From: Ohioguy

I guess my real question is this: Is the American Express card
somehow weighing negatively on our credit history? I thought it was
actually a positive, since that is the only credit card I have in my
name. (even though I don't use it)

== 4 of 5 ==
Date: Mon, Jan 31 2011 10:03 am
From: BigDog811

On Jan 31, 8:32 am, Ohioguy <n...@none.net> wrote:
> I guess my real question is this: Is the American Express card
> somehow weighing negatively on our credit history? I thought it was
> actually a positive, since that is the only credit card I have in my
> name. (even though I don't use it)

It's less a matter of the number of cards you hold (though the fewer
the better) as it is the total amount of unsecured credit you have
access to. It's a question of your potential unsecured debt to income
ratio combined with your existing debt (mortgage, car loan, etc.)

== 5 of 5 ==
Date: Mon, Jan 31 2011 2:07 pm
From: The Real Bev

On 01/31/11 00:48, Ohioguy wrote:

> A few days ago, we got a letter stating that they were declining to
> reissue our cards or reinstate the account. (this, despite the fact that
> they had sent us 'preapproved' letters several times, and tried to get
> us to sign up for new cards!) The reason listed was "too many revolving
> accounts".
>
> How many is too many?

If you have to ask that question, you've already answered it. Why not
call them on the phone and ask to speak to a supervisor.

If you have too many revolving accounts, they're probably worried that
you're overextended. If you can still charge to your other accounts,
why don't you? If you're maxed out on a number of accounts, I can see
why they're not willing to reinstate the one they canceled? Did they
actually cancel it? If not, why does it need to be reinstated?

Do you actually owe them $50? If so, why not pay it?

--
Cheers, Bev
==================================================
Is the Pope Catholic? Do bears shit in the woods?
Does Rose Kennedy have a black dress?

==============================================================================
TOPIC: NEW HOT PHOTOS
http://groups.google.com/group/misc.consumers.frugal-living/t/12019a108c7cb17b?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Jan 31 2011 1:48 am
From: RAMYA

==============================================================================
TOPIC: My greatest joy would be that the Egyptian revolution brought bike
facilities
http://groups.google.com/group/misc.consumers.frugal-living/t/20e95c70e024cb5e?hl=en
==============================================================================

== 1 of 4 ==
Date: Mon, Jan 31 2011 6:05 am
From: "His Highness the TibetanMonkey, the prophet of the deep jungle"

This copy & paste is not a perfect match but nearly so...

On Jan 31, 1:52 am, livvy <go...@yahoo.com> wrote:
> On Jan 31, 1:20 am, "His Highness the TibetanMonkey, the prophet of
> the deep jungle" <comandante.ban...@yahoo.com> wrote:
>
>
>
> > It's simple: China gets the jobs while the rest of the world --
> > including America-- hurts and eventually suffers from the domino
> > effect...
>
> > "One protester in Cairo waved a hand-drawn copy of his university
> > diploma amid clouds of tear gas and shouted what may best sum up the
> > complexities of the domino-style unrest in a single word: Jobs."
>
> >http://news.yahoo.com/s/ap/ap_on_re_us/ml_anatomy_of_anger
>
> > ***
>
> > This sounds like the fall of Communism and the emergence of a new
> > hope. At least that's what my crystal ball tells me.
>
> > ---------------------------------------------------------
>
> >http://webspawner.com/users/BANANAREVOLUTION
>
> It's not that "simple", your naivete is showing. Where was your
> "global acumen" before 9/11? Non-existent I'd guess. You were
> not the 1st on the planet, you won't be the last. Don't be so proud
> of yourself because you presented "an item" that you scooped from
> somewhere. Not how it works. What do you really know, how have
> you really lived, was your job sent somewhere else? Do
> tell....Accusatory is fine, when you have the stuff to back it up.
> Not so much here....phhhfffgghht!!

Well, my girlfriend's job and was sent to El Salvador. Does that count
for you?

But you seem to dismiss my ball without real arguments. If you want
reassurance to keep shopping at Walmart go elsewhere.

This is a world of Wisdom and Frugality. When was the last time you
rode a bike or spoke for those who do? It's your way or the highway,
lady, and the highway is deadly to cyclists.

== 2 of 4 ==
Date: Mon, Jan 31 2011 6:26 am
From: "His Highness the TibetanMonkey, the prophet of the deep jungle"

On Jan 31, 9:10 am, spiritrising <miketwofeath...@gmail.com> wrote:
> On Jan 31, 7:03 am, "His Highness the TibetanMonkey, the prophet of
> the deep jungle" <comandante.ban...@yahoo.com> wrote:
>
>
>
> > On Jan 31, 1:52 am, livvy <go...@yahoo.com> wrote:
>
> > > On Jan 31, 1:20 am, "His Highness the TibetanMonkey, the prophet of
> > > the deep jungle" <comandante.ban...@yahoo.com> wrote:
>
> > > > It's simple: China gets the jobs while the rest of the world --
> > > > including America-- hurts and eventually suffers from the domino
> > > > effect...
>
> > > > "One protester in Cairo waved a hand-drawn copy of his university
> > > > diploma amid clouds of tear gas and shouted what may best sum up the
> > > > complexities of the domino-style unrest in a single word: Jobs."
>
> > > >http://news.yahoo.com/s/ap/ap_on_re_us/ml_anatomy_of_anger
>
> > > > ***
>
> > > > This sounds like the fall of Communism and the emergence of a new
> > > > hope. At least that's what my crystal ball tells me.
>
> > > > ---------------------------------------------------------
>
> > > >http://webspawner.com/users/BANANAREVOLUTION
>
> > > It's not that "simple", your naivete is showing. Where was your
> > > "global acumen" before 9/11? Non-existent I'd guess. You were
> > > not the 1st on the planet, you won't be the last. Don't be so proud
> > > of yourself because you presented "an item" that you scooped from
> > > somewhere. Not how it works. What do you really know, how have
> > > you really lived, was your job sent somewhere else? Do
> > > tell....Accusatory is fine, when you have the stuff to back it up.
> > > Not so much here....phhhfffgghht!!
>
> > Well, my girlfriend's job and was sent to El Salvador. Does that count
> > for you?
>
> > But you seem to dismiss my ball without real arguments. If you want
> > reassurance to keep shopping at Walmart go elsewhere.
>
> > This is a world of Wisdom and Frugality. When was the last time you
> > rode a bike or spoke for those who do? It's your way or the highway,
> > lady, and the highway is deadly to cyclists.- Hide quoted text -
>
> > - Show quoted text -
>
> oh tell us ohhhh monkey what girlfriend do? pick bugs from hair or
> check bananass for dark spots and then get fired for not eating bugs?
> not much jobs out there for bug eating monkeys, but i don't think
> china wants the job tho.

Listen, the revolution is the opposite of Globalization.

This is its slogan: "BUY LOCALLY, BIKE LOCALLY"

Drill it into your head and if you don't like it, go to China!

Fuck world trade, what we need is a strong community free of homeless,
drug dealers and safe for bicycles. And no Gated Communities, of
course. That sounds like the Berlin Wall.

== 3 of 4 ==
Date: Mon, Jan 31 2011 11:03 am
From: "His Highness the TibetanMonkey, the prophet of the deep jungle"

On Jan 31, 1:41 pm, Father Haskell <fatherhask...@yahoo.com> wrote:
> On Jan 31, 1:50 am, "Zacharias Mulletstein" <zmulletst...@isright.com>
> wrote:
>
> > "His Highness the TibetanMonkey, the prophet of the deep jungle"<comandante.ban...@yahoo.com> wrote in message
>
> >news:3a64718c-5cb6-4424-9805-76b66b13d144@r16g2000yqk.googlegroups.com...
>
> > > You've made fun of innocent people's wounds; and your palm covered
> > > with their blood
>
> > What's wrong with that?
>
> Try to wash blood from your Sunday goin' to meetin'
> duds.

The only wounds they care about is those suffered by Jesus in the
Crucifiction.

I wonder how many gallons of blood Jesus spilled. Some say, the
soldiers nearby were drowned, and the shit...

Well, that's another story.

== 4 of 4 ==
Date: Mon, Jan 31 2011 2:29 pm
From: "His Highness the TibetanMonkey, the prophet of the deep jungle"

On Jan 31, 4:22 pm, default wrote:
> On Mon, 31 Jan 2011 07:24:01 -0800 (PST), "His Highness the
> TibetanMonkey, the prophet of the deep jungle"
>
>
>
> <nolionnoprob...@yahoo.com> wrote:
> >On Jan 31, 9:58 am, default wrote:
> >> On Sun, 30 Jan 2011 22:20:28 -0800 (PST), "His Highness the
> >> TibetanMonkey, the prophet of the deep jungle"
>
> >> <comandante.ban...@yahoo.com> wrote:
> >> >It's simple: China gets the jobs while the rest of the world --
> >> >including America-- hurts and eventually suffers from the domino
> >> >effect...
>
> >> >"One protester in Cairo waved a hand-drawn copy of his university
> >> >diploma amid clouds of tear gas and shouted what may best sum up the
> >> >complexities of the domino-style unrest in a single word: Jobs."
>
> >> >http://news.yahoo.com/s/ap/ap_on_re_us/ml_anatomy_of_anger
>
> >> >***
>
> >> >This sounds like the fall of Communism and the emergence of a new
> >> >hope. At least that's what my crystal ball tells me.
>
> >> More like world population crisis and human greed are the problem -
> >> lack of jobs to finance individuals is merely a symptom not a root
> >> cause.
>
> >> So somehow you get everybody in the world a job; what happens then?
> >> In 20 years you have to solve an even bigger problem.
>
> >So what's the best solution, shorter workweek?
>
> A shorter workweek is sorely needed, but that won't solve what amounts
> to overpopulation.
>
> I remember seeing this documentary about a South American rain forest
> tribe of small people. The 60 year old grandfather is showing his
> grandson how to chase down and spear monkeys in the canopy, and he's
> in perfect shape.
>
> Not only that, but he "works" maybe a whole six hours a week to
> provide for himself - his family works about the same amount of time.
>
> Of course the media misses the point and tells us how "poor" they are.

Yeah, they are poor by our standards, but they are free too.

It's the same idea the Christians applied to the "savage" Indians.
Only true free Americans there's ever been.

> >I think it's long overdue. How bout teaching people to have a healthy
> >life with bicycles and no cars, which is a drug.
>
> Cars a drug? Maybe if you are a teenager and the novelty of driving
> hasn't worn off yet . . .

http://www.cbsnews.com/video/watch/?id=1264930n

If America is ADDICTED TO OIL, then the car in the vehicle for the
addiction.

Solution? Good old-fashioned HUNTER-GATHERER practices, ie walking and
cycling.

Teenagers would have more fun in a scooter. The rest is advertisement.

==============================================================================
TOPIC: Trying to get preapproved for a loan -- am I getting ripped off?
http://groups.google.com/group/misc.consumers.frugal-living/t/acfc697b47c19020?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Jan 31 2011 9:33 am
From: g

On 30/01/2011 18:09, laredotornado wrote:
> Hi,
>
> I'm trying to get pre-approved for a loan so I can buy a condo. The
> real estate I was referred to referred me to a mortgage broker, who
> told me to bring some work history, tax forms, some other stuff and a
> $450 application fee. This got me thinking about how would you find
> the cheapest way to get the best loan? I have heard of services like
> Lending Tree and DiTech but I'm really not sure how those work and
> would value some opinions about the what steps you would take.
>
> Thanks, - Dave
Don't pay _any_ fees to lenders, unless they state in writing that the
fee is payable only on approval.

If you cannot get a bank loan, then maybe your finances are not up to
taking on a mortgage?

== 2 of 3 ==
Date: Mon, Jan 31 2011 9:45 am
From: BigDog811

On Jan 31, 10:33 am, g <g...@a.b> wrote:
> On 30/01/2011 18:09, laredotornado wrote:> Hi,
>
> > I'm trying to get pre-approved for a loan so I can buy a condo. The
> > real estate I was referred to referred me to a mortgage broker, who
> > told me to bring some work history, tax forms, some other stuff and a
> > $450 application fee. This got me thinking about how would you find
> > the cheapest way to get the best loan? I have heard of services like
> > Lending Tree and DiTech but I'm really not sure how those work and
> > would value some opinions about the what steps you would take.
>
> > Thanks, - Dave
>
> Don't pay _any_ fees to lenders, unless they state in writing that the
> fee is payable only on approval.
>
> If you cannot get a bank loan, then maybe your finances are not up to
> taking on a mortgage?

True on both points.

Many, maybe most, states are now licensing/registering mortgage
lenders these days. If yours does, check with the Secretary of States
office to make sure this lender is in order. If not, STAY AWAY.

== 3 of 3 ==
Date: Mon, Jan 31 2011 6:59 pm
From: "John Weiss"

g wrote:

> On 30/01/2011 18:09, laredotornado wrote:
> > Hi,
> >
> > I'm trying to get pre-approved for a loan so I can buy a condo. The
> > real estate I was referred to referred me to a mortgage broker, who
> > told me to bring some work history, tax forms, some other stuff and
> > a $450 application fee. This got me thinking about how would you
> > find the cheapest way to get the best loan? I have heard of
> > services like Lending Tree and DiTech but I'm really not sure how
> > those work and would value some opinions about the what steps you
> > would take.
> >
> > Thanks, - Dave
> Don't pay any fees to lenders, unless they state in writing that the
> fee is payable only on approval.
>
> If you cannot get a bank loan, then maybe your finances are not up to
> taking on a mortgage?

Further, make sure the broker puts ALL his promises in writing, and
specifies the entire fee is refundable if the loan is not approved
within ALL the promised parameters.

==============================================================================
TOPIC: converter box suck
http://groups.google.com/group/misc.consumers.frugal-living/t/c15f24ce7244b668?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Jan 31 2011 1:22 pm
From: Sofa Slug

On 1/29/2011 4:28 PM, Al wrote:
> On Jan 29, 4:41 pm, anthona<harri85...@aol.com> wrote:
>> On Jan 29, 4:27 pm, Shawn Hirn<s...@comcast.net> wrote:
>>
>>
>>
>>> In article
>>> <b6ef75b7-66d1-45da-95c8-02f962e86...@d12g2000vbz.googlegroups.com>,
>>
>>> anthona<harri85...@aol.com> wrote:
>>>> I live in NY and for the most part get excellent pictures with the box
>>>> off my indoor and outdoor antennas ( i have 2 separate box's for each
>>>> TV ). In the old days, there was always the problems with
>>>> 'ghosts'...seeing halo's around a figure. Now, with these box's we
>>>> lose usually at most inopportune times the dialogue and if the
>>>> picture is fine, the audio pops in and out. ..so what was the point of
>>>> these conversions..instead of ghosts, now it pixels. At least with
>>>> ghosts, the audio was in tact.
>>
>>> Those boxes aren't worth the cardboard they come in. Break open your
>>> wallet and buy modern LCD HD televisions. You'll probably make back the
>>> money is just power savings alone.
>>
>> These are older crt tv sets and this is a frugal forum isn't it? why
>> should I throw away good tv sets cause the government made changes? As
>> frugal as i may be, i have a 55'' lcd hd tv for your information...i
>> am talking about bedroom and kitchen tv sets where a box is needed.
>
> I hate to add more devices to your TV stream, but what would likely
> clear up your picture is an antenna booster. You can buy something
> like this for $10-30 or $1 at a garage sale. Only a small boost will
> keep the signal up enough. You could also experiment with placing an
> aluminum reflector near your antenna. This can be made by taking a
> piece of cardboard and covering it with tin foil. Before you get done
> your bedroom will look like Sanford and Son's back yard. I'm willing
> to do these things to save a buck. When the old TVs go bad, I'll buy
> something nice and new.

Try this. It's cheap & works better than most indoor antenna setups:
<http://mysite.ncnetwork.net/resr92x4/Content/DTV_antenna.html>

If you want an amplifier, you might try one of these:
<http://www.allelectronics.com/make-a-store/item/AMP-300/TV/FM-ANTENNA-AMPLIFIER/1.html>

== 2 of 2 ==
Date: Mon, Jan 31 2011 2:53 pm
From: me@privacy.net

Sofa Slug <sofaslug@invalid.invalid> wrote:

>Try this. It's cheap & works better than most indoor antenna setups:
><http://mysite.ncnetwork.net/resr92x4/Content/DTV_antenna.html>
>
>If you want an amplifier, you might try one of these:
><http://www.allelectronics.com/make-a-store/item/AMP-300/TV/FM-ANTENNA-AMPLIFIER/1.html>

Don't waste your time and money on the above

Get this instead

http://www.monoprice.com/products/product.asp?c_id=109&cp_id=10901&cs_id=1090102&p_id=4730&seq=1&format=2

==============================================================================
TOPIC: Bank of American Online Banking
http://groups.google.com/group/misc.consumers.frugal-living/t/c8578f6261069f06?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Jan 31 2011 2:57 pm
From: atdabank

Am considering online banking with BofA.

Anyone share their problems/experiences with them?

Are they any good? Reliable? Will be using overseas also, but supposedly
there is a branch in the countries I am headed.

== 2 of 2 ==
Date: Mon, Jan 31 2011 6:29 pm
From: "Bob F"

atdabank wrote:
> Am considering online banking with BofA.
>
> Anyone share their problems/experiences with them?
>
> Are they any good? Reliable? Will be using overseas also, but
> supposedly there is a branch in the countries I am headed.

I haven't had any problems.

==============================================================================
TOPIC: Hiking Boots
http://groups.google.com/group/misc.consumers.frugal-living/t/93e5637da7657a52?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Jan 31 2011 9:50 pm
From: gr

On 1/21/2011 5:51 PM, Alan Justice wrote:
> "SMS"<scharf.steven@geemail.com> wrote in message
> news:4d35d4a0$0$44056$742ec2ed@news.sonic.net...
>> On 1/6/2011 3:19 PM, fastfreddy wrote:
>>> Anyone give their recommendations for a good place to find good hiking
>>> boots and brand of boot for humid tropical climates where it rains alot?
>>> Something that breathes and can be made waterproof also. Something that
> you
>>> can walk a long ways in and still not get blisters. I am guessing
> leather
>>> uppers with maybe Vibram soles, but I don't really know. Is it even
>>> possible to have waterproof boots that still breath, maybe not?
>>
>> Look for:
>>
>> -Full grain leather upper. Not nubuck, not fabric.
>> -Goretex lining. Never buy hiking boots that are not Goretex lined.
>> -Vibram sole. Accept no substitutes.
>>
>> These won't be inexpensive of course. I.e.
>> <http://www.rei.com/product/693828>. I got these when they were on sale
>> a few years ago for around $160.
>>
>> Also be careful to buy the proper width (higher end boots come in
>> different widths), and wear the proper socks that help avoid blisters.
>>
>> Another excellent boot is this one
>>
> <http://www.danner.com/boots/mountain-lighttm-ii-mens-womens-hiking-boots.ht
> ml>
>> but it seems to be impossible to buy it anywhere except on-line. I had a
>> pair that I got at REI but they wore out after 20 years and REI doesn't
>> carry them anymore. The big advantage of this boot is that the sole is
>> stitched, rather than glued, which is very rare these days. These boots
>> are still made in the U.S.A. too.
>
> I have some Danners I bought locally. (I can't imagine buying footwear
> without trying it on first.) My feet love them. However they ruin all my
> socks by staining them maroon, the color of the leather. I assumed it would
> all get worn off eventually, but not after many hundreds of miles.
>
I found the wide Danners not to be wide enough for my feet (or shape of
my feet. Not Gortex, but decently water resistant are Alico boots, real
Vibram, Norwegian Welt stitched, excellent Italian craftsmanship, and
come in wide. Sierra trading post often sells them for around $150 (with
a stiffer model at around $300). Looks like right now they only have the
Alico XC ski boots.

They also sell Asolo boots, which I thought were well made and
comfortable, but not wide enough for me.

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Frugal Living

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Tuesday, February 1, 2011

misc.consumers.frugal-living - 19 new messages in 8 topics - digest