Thursday, August 31, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

jcline389@gmail.com: Aug 31 09:18AM -0700

On Monday, July 8, 2002 at 8:49:55 PM UTC-4, PT wrote:
 
> Post a reply to this message in the newsgroups if any of you unhappy
> Staber users out there wish to add anything or confirm you are
> experiencing some of the same things I am.
 
We have had a Staber for over 20 years and have never had any problems or even repairs. We are replacing it simply because the frame is slowly rusting away. Those of us who live off-grid are looking for low energy, self repairable appliances that last a long time. That is what Staber provides, and in a very robust manner. I would agree with a previous post that the problems listed come across as not understanding or following the manual, and an expectation that all appliances should work the way the owner wants them to, rather than what they are designed for. And of course there can be lemons in any appliance (or car or computer, etc.)
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Wednesday, August 30, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

"Leroy N. Soetoro" <leroysoetoro@bho-rejected.com>: Aug 30 07:01PM

http://www.foxnews.com/opinion/2017/08/29/splc-smear-machine-is-being-
funded-by-liberal-billionaires-why.html
 
In a scathing August 24 New York Times op-ed, Ayaan Hirsi Ali, a Somali-
born feminist, author, scholar and former Dutch parliament member,
lamented that the far-left Southern Poverty Law Center (SPLC) "has hit the
jackpot" in huge donations in the aftermath of the violence in
Charlottesville. Hirsi Ali noted that Apple pledged $1 million to the
SPLC; JP Morgan Chase & Co. half a million; George and Amal Clooney $1
million.
 
While Hirsi Ali condemned Nazism, white supremacy and racial bigotry as
having no place in a civilized society, she made it clear that
contributing to the SPLC is the wrong way to combat this poison.
 
As I explained in a 2016 Fox News Opinion article, the Southern Poverty
Law Center is a left wing smear machine that tries to denigrate
conservative individuals and organizations by lumping them together with
white nationalists, KKK members and neo-Nazis on so-called hate lists. In
a recent Frontpage Magazine article, Daniel Greenfield described the SPLC
as "one of the longest running malicious jokes on the internet."
 
Conservatives targeted by the SPLC include American Enterprise Institute
scholar Charles Murray, Accuracy in Media President Cliff Kinkaid (who
SPLC has singled out for challenging global warming), the Family Research
Council, and WorldNetDaily founder Joseph Farah.
 
Smearing anyone who speaks out against radical Islam is one of the SPLC's
priorities. Accordingly, it has placed on its hate lists Jihad Watch and
its Director Robert Spencer; American Freedom Defense Initiative and its
director Pamela Geller; and Maajid Nawaz a Muslim reformer who runs
Quilliam, a London-based organization that aims to counter jihadism and
extremism. My organization, the Center for Security Policy and our
president Frank Gaffney, also are on the SPLC's hate lists due to our
principled stand against the Global Jihad Movement.
 
Despite how transparently political the SPLC's hate lists are, the main
stream media regularly cites them as authoritative sources.
 
Last October, the SPLC added Ayaan Hirsi Ali to its hate list, an
appalling act that ignored the decades of intimidation, hatred and fear
Ms. Hirsi Ali has endured from radical Islamists. This decision also
reflected the SPLC's disgraceful practice of turning a blind eye to the
violent hatred and extremism of radical Islam, which Hirsi Ali noted in
her op-ed includes weekly killing sprees around the world, justifying
wife-beating, enslavement of female unbelievers, murdering gay people and
virulent anti-Semitism.
 
The violence, hatred and intimidation radical Islamists have inflicted on
Ayaan Hirsi Ali have been extreme. She was subjected to female genital
mutilation (FGM) at the age of five when she lived in Somalia. She fled
to the Netherlands to escape an arranged marriage. After becoming a Dutch
citizen, Hirsi Ali was elected to the Dutch Parliament and began working
on a film with filmmaker Theo van Gogh titled "Submission" on the
oppression of women under Islam. Van Gogh was assassinated by a radical
Islamist for making this film. After other radical Islamists threatened
to kill Hirsi Ali for her work on the film, she was forced to live in a
secret location in the Netherlands under high security.
 
Hirsi Ali moved to the United States in 2006 and is now a fellow at
Harvard University's JFK School of Government and a Research Fellow at the
Hoover Institution. She has written two best-selling books, "Infidel"
(which chronicles her life) and "Heretic: Why Islam Needs Reformation
Now." Because of continuing threats against her life by radical
Islamists, Hirsi Ali lives with round-the-clock security and does not
travel without an armed security detail.
 
Despite how transparently political the SPLC's hate lists are, the main
stream media regularly cites them as authoritative sources. CNN recently
ran a story about hate groups in the U.S. citing these hate lists which it
was forced to partially retract after a backlash by conservatives.
Because of this CNN article and other recent misleading press stories
driven by the SPLC, PayPal suspended the accounts of Robert Spencer,
Pamela Geller and their organizations. Fortunately, another backlash
forced PayPal to quickly reverse this decision.
 
Targeting conservatives as haters has been very profitable for the SPLC.
It uses its hate lists to generate huge donations, in part through a
sophisticated direct mail fundraising operation. Based on its 2010 tax
return, the liberal website Daily Kos criticized the SPLC in 2012 for its
enormous wealth, offshore bank account in the Cayman Islands, and
ownership in several foreign corporations.
 
Ayaan Hirsi Ali concluded her op-ed by cheering efforts to stand up to
neo-Nazi displays like what happened in Charlottesville. But she urged
Apple, JP Morgan and the Hollywood A-list to find more trustworthy and
deserving partners to work with other than the odious SPLC to counter this
and all other forms of political violence and intolerance.
 
Let's hope Apple and George Clooney haven't mailed in their checks yet.
 
 
Fred Fleitz is senior vice president for policy and programs with the
Center for Security Policy, a national security think tank. Follow him on
Twitter@FredFleitz.
 
 
--
Donald J. Trump, 304 electoral votes to 227, defeated compulsive liar in
denial Hillary Rodham Clinton on December 19th, 2016. The clown car
parade of the democrat party has run out of gas.
 
Congratulations President Trump. Thank you for ending the disaster of the
Obama presidency.
 
Under Barack Obama's leadership, the United States of America became the
The World According To Garp.
 
ObamaCare is a total 100% failure and no lie that can be put forth by its
supporters can dispute that.
 
Obama jobs, the result of ObamaCare. 12-15 working hours a week at minimum
wage, no benefits and the primary revenue stream for ObamaCare. It can't
be funded with money people don't have, yet liberals lie about how great
it is.
 
Obama increased total debt from $10 trillion to $20 trillion in the eight
years he was in office, and sold out heterosexuals for Hollywood queer
liberal democrat donors.
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Tuesday, August 29, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

wilma6116@gmail.com: Aug 29 01:24AM -0700

It's corn starch. Right next to the baby powder are all the corn starch powders. Gold Bond total body powder is the one I have bedside.
 
If it ain't one thing it's another.
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Saturday, August 26, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 1 topic

ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 25 08:18PM -0700


> Any recommendations?:
 
> http://www.news.com.au/lifestyle/health/health-problems/should-we-stop-using-baby-powder-the-experts-weigh-in/news-story/52d9894b66cdd4ad20a5339793793ca3
 
Nope. But if you are afraid then by all means cease using it.
hchickpea@hotmail.com: Aug 26 12:38PM -0500


>Any recommendations?:
 
>http://www.news.com.au/lifestyle/health/health-problems/should-we-stop-using-baby-powder-the-experts-weigh-in/news-story/52d9894b66cdd4ad20a5339793793ca3
 
 
Comet. In a pinch, Ajax.
 
The talc suit was a spin-off of asbestosis suits (not to be confused with
flameproof suits). Talc and serpentine and asbestos are intermingled when
mined. The lawyers made big money on asbestos and are hungry for more. There
is no science backing up the claims.
 
What I really want to know though, is it true that this is how babies are made?
A woman uses baby powder on her noo-noo, adds water, and instant baby?
 
Either that, or is some sick bastard grinding up babies and selling it because
the smell is addictive?
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Friday, August 25, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

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Friday, August 18, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 5 updates in 1 topic

wilma6116@gmail.com: Aug 17 07:49PM -0700

Well, the items were sold and fulfilled by Amazon. I have been a Prime member for more than ten years. I have returned much less than $100 in all that time.
 
It seems like years since I've gotten something delivered in two days.
 
Low cost items cost less on Wal-Mart.com, but one needs a minimum to get free delivery. I've been reluctant to buy higher priced merchandise at WalMart, but with the punitive return policy at Amazon, I'm going to take few more chances.
 
I'm disappointed my local Fred Meyer doesn't have online shopping. Same with Trader Joe's.
 
Whatever, Amazon needs competition.
Bob F <bobnospam@gmail.com>: Aug 17 08:50PM -0700


> The next day they sent an email telling me my chair has shipped. I clicked on the chair to briefly admire it. But a big surprise!
 
> I was charged $260. All the other comparable ones we selling for $230!. Even the one I bought showed $230. Same manufacturer, same Prime delivery. Everything the same.
 
> I wrote Amazon. Should I refuse delivery and reorder later. Should I return it? Should I refuse delivery and order from the many contractors listed? Amazon has not replied and delivery is in about 16 hours? Or do I just suck it up and think about having my pocket picked every time I use that chair?
 
Is it really worth beating yourself up for $30? You OKed the order even
though you felt the price was too high. The vendor shipped it to you.
Just accept that you should have been more careful, and let it be a
learning experience. Then enjoy your new chair.
wilma6116@gmail.com: Aug 17 09:11PM -0700

If this was alt.allTheProblemsOfTheWorld.StarvingChildren then I would say, you're right! But since this is frugal living, as in a matter of life, then I am right and you are less so.
 
Amazon used to be the frugal choice. No brick and mortar, no holiday decorations, no shop lifters, everything computer controlled, what could go wrong?
 
But now Amazon has less competition. As it sniffs out each of its competitors, it's not as concerned as it used to be. Where are you going to go? Barnes and Nobel? Tower Records? Sears?
 
So I let off a little steam. Cry wolf in the wildness. Tilt my lance towards windmills. I got nothing better to do. I'm not going to go amok with my foot on the gas pedal. Promise to live more frugal and realize I have no need for another chair.
 
Written on a six-year old Kindle Fire.
wilma6116@gmail.com: Aug 17 09:16PM -0700

Oh, I forgot. The first rule about the beat yourself up on frugal living club is, don't talk about beating yourself up on frugal living club.
RJH <patchmoney@gmx.com>: Aug 18 06:39AM +0100

On 17/08/2017 22:49, BigDog811 wrote:
 
> If you're returning a defective or incorrectly described item for an exchange or refund you'll get a replacement or all your money back. If you get a refund then choose to buy it again, obviously you'll pay the increased price if it's gone up.
 
> I've been shopping at Amazon since '98, and been a prime member for over a decade. I don't recall that they ever had a price matching policy. But a lot of businesses will price match Amazon. I've done that twice in the past year with purchases from Best Buy. Once for a smart TV, and once for computer hard drive. The good part of those deals was I got to take them home with me - didn't have even a short two day Prime customer wait.
 
> Amazon isn't getting their hands around anyone's neck. They sell nothing you can't get elsewhere. If you don't like their business practices or prices just don't do business with them. No one's forcing you to. I always research my purchases and frequently find better prices than Amazon, including shipping. That's where I buy if the extra wait is worth the difference to me.
 
Amazon's prices seem to be driven by market-scouring algorithms, and IME
work out lowest on a casual internet search - in the UK at least. I'd
guess this is because of a combination of google favour, tax avoidance,
low pay and economies of scale.
 
I do try to avoid Amazon (moral choice), but have foudn a couple of
apparently unconnected ebay purchases have arrived in Amazon branded
packaging.
 
--
Cheers, Rob
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Thursday, August 17, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 9 updates in 2 topics

wilma6116@gmail.com: Aug 16 11:17PM -0700

The other night I went about buying a recliner online. I narrowed it down to Amazon. I went back and forth over design, fabric, and color. Finally decided and chose the one I wanted. I went through the shopping cart, clicked on my credit card. The total was $260. Hmmm... seems a little high, but I've spent hours on this, I'm sure it's right.
 
The next day they sent an email telling me my chair has shipped. I clicked on the chair to briefly admire it. But a big surprise!
 
I was charged $260. All the other comparable ones we selling for $230!. Even the one I bought showed $230. Same manufacturer, same Prime delivery. Everything the same.
 
I wrote Amazon. Should I refuse delivery and reorder later. Should I return it? Should I refuse delivery and order from the many contractors listed? Amazon has not replied and delivery is in about 16 hours? Or do I just suck it up and think about having my pocket picked every time I use that chair?
no-spam@sonic.net (Fake ID): Aug 17 08:43AM

In article <4660655a-6d45-4dc8-b991-d34dc3bc7847@googlegroups.com>,
>contractors listed? Amazon has not replied and delivery is in about
>16 hours? Or do I just suck it up and think about having my pocket
>picked every time I use that chair?
 
Probably the sucking. The latent resentment may fade over time. Or build.
There's also the uncertainty that when you go to repurchase the chair
that the $230 won't suddenly become $270.
 
I went through something similar a few years ago with a microwave oven.
Amazon was *the* place to get the one with the specific attributes I
needed, but they were backordered. I put my order in and eventually it
shipped and the instant after the price dropped by something like $50.
 
In a related Amazon gouge, my washing machine broke down recently so I
found the required part on Amazon. Things came up and hours later when
I finally got around to adding the part to my cart Amazon had raised the
price by $2. In this case it pushed me over the threshhold for free
shipping without having to find something cheaper than the shipping
charge to buy.
 
m
wilma6116@gmail.com: Aug 17 06:34AM -0700

Well, I got a reply from Amazon. They suggested I start a return. Great! The return costs $25 S&H. AND the price of the chair went back up to $260.
 
I remember when stores would match lower price, some plus ten percent. I thought Amazon was free returns for Prime (or was that Zappatos?).
 
As Amazon gets their fingers around the neck of the American consumer, look for a small breathing charge.
Dennis <dgw80@hotmail.com>: Aug 17 07:39AM -0700


>Well, I got a reply from Amazon. They suggested I start a return. Great! The return costs $25 S&H. AND the price of the chair went back up to $260.
 
>I remember when stores would match lower price, some plus ten percent. I thought Amazon was free returns for Prime (or was that Zappatos?).
 
>As Amazon gets their fingers around the neck of the American consumer, look for a small breathing charge.
 
Check out the camelizer browser add-on. It shows the price history of
items on Amazon and you can set an alert to let you know when/if the
item is offered for your desired price.
 
Dennis (evil)
--
My output is down, my income is up, I take a short position on the long bond and
my revenue stream has its own cash flow. -George Carlin
BigDog811 <bigdog811@gmail.com>: Aug 17 02:49PM -0700

> Well, I got a reply from Amazon. They suggested I start a return. Great! The return costs $25 S&H. AND the price of the chair went back up to $260.
 
> I remember when stores would match lower price, some plus ten percent. I thought Amazon was free returns for Prime (or was that Zappatos?).
 
> As Amazon gets their fingers around the neck of the American consumer, look for a small breathing charge.
 
Amazon Prime is free two day shipping, and a bunch of other stuff. But the other stuff is outside the context of this discussion. Returns are dependent on who the seller is. Free Prime returns only apply to items sold AND fulfilled by Amazon. There are many items on the Amazon site that are drop shipped by third party sellers to Amazon fulfillment centers, or shipped directly from the seller. There is a statement in each product listing that tells you where/who sells and fulfills the item. Return terms are also listed. If you're going to rely on free Prime returns you need to make sure the product is both sold and fulfilled by Amazon.
 
If you're returning a defective or incorrectly described item for an exchange or refund you'll get a replacement or all your money back. If you get a refund then choose to buy it again, obviously you'll pay the increased price if it's gone up.
 
I've been shopping at Amazon since '98, and been a prime member for over a decade. I don't recall that they ever had a price matching policy. But a lot of businesses will price match Amazon. I've done that twice in the past year with purchases from Best Buy. Once for a smart TV, and once for computer hard drive. The good part of those deals was I got to take them home with me - didn't have even a short two day Prime customer wait.
 
Amazon isn't getting their hands around anyone's neck. They sell nothing you can't get elsewhere. If you don't like their business practices or prices just don't do business with them. No one's forcing you to. I always research my purchases and frequently find better prices than Amazon, including shipping. That's where I buy if the extra wait is worth the difference to me.
Beaver_Fever@live.com: Aug 16 08:55PM -0700

Pros? Cons?
 
Much like rental insurance or medical insurance, I don't really understand how this works.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 16 09:52PM -0700


> Pros? Cons?
 
> Much like rental insurance or medical insurance, I don't really understand how this works.
 
I had no idea there was such a thing as 'frugal life insurance.'
I do know the younger you are the cheaper your premium will be
on any life insurance policy.
John Weiss <jrweiss98155@comcast.net>: Aug 16 10:41PM -0700

> Pros? Cons?
 
> Much like rental insurance or medical insurance, I don't really understand how this works.
 
Why do you need it? Do you support a wife and/or kids?
 
IF you need it, Term Life is cheapest. Lots of variations, though. The
shorter the term, the cheaper the initial cost, but more expensive when
you renew.
 
Find an Independent insurance agent that will get you the most for your
money. While you might find cheaper premiums on line, they might not be
worth it if you don't know what you're buying...
wilma6116@gmail.com: Aug 16 11:28PM -0700

Are you talking about cheap insurance for old people. That stuff is for funeral costs, primarily. Go to mortuary and funeral companies. Get an idea what you'll be spending. The local trash company will supply an over-size container for cheap enough.
 
Some people want something big and festive. Others want cheapo. I figure I always flew coach, now I'm dead I want to high-hat people?
 
Shop around, pre pay if you can. Lock in the price. Get insurance to make up the difference. Look into Costco, they have deals.
 
Now, if you're looking to keep your teenage orphans from a life of human trafficking... that's a different story.
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Saturday, August 12, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

ggggg9271@gmail.com: Aug 12 01:03AM -0700

> Or are there other ways of paying?
 
Thanks to all for your quick and informative replies.
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Friday, August 11, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 4 updates in 1 topic

ggggg9271@gmail.com: Aug 11 01:58AM -0700

Or are there other ways of paying?
BigDog811 <bigdog811@gmail.com>: Aug 11 06:25AM -0700

> Or are there other ways of paying?
 
It's up to the seller. They can accept any form of payment they want.
 
The smart ones will only accept PayPal, and will only ship to confirmed addresses with tracking number(s). Too many third party shenanigans and too much "I paid but didn't get my stuff" fraud out there to do otherwise. You can setup your sellers account so that only PayPal account holders with confirmed addresses can post bids on your items. That's how mine's setup.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 11 07:13AM -0700

On Friday, August 11, 2017 at 8:25:39 AM UTC-5, BigDog811 wrote:
 
> > Or are there other ways of paying?
 
> It's up to the seller. They can accept any form of payment they want.
 
> The smart ones will only accept PayPal, and will only ship to confirmed addresses with tracking number(s). Too many third party shenanigans and too much "I paid but didn't get my stuff" fraud out there to do otherwise. You can setup your sellers account so that only PayPal account holders with confirmed addresses can post bids on your items. That's how mine's setup.
 
That's true. Look at how the seller accepts payments. It might
be credit card or instantly out of your checking account. But
if the sellers states PAYPAL ONLY that's how you'll have to pay.
RJH <patchmoney@gmx.com>: Aug 11 04:59PM +0100

> Or are there other ways of paying?
 
Yes - depends what the seller specifies. Some will let you collect,
inspect and pay cash - my preferred option for higher value stuff.
 
--
Cheers, Rob
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Sunday, August 6, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 05 07:28PM -0700


> If there's anyone that is interested in watching free internet tv please check out http://www.cordcuttersnation.com; Here you will find great cable channels that are free. Premium subscriptions are also available! You will be able to save a buck or two!!!
 
Thanks for the spam, NOT.
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Saturday, August 5, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 1 update in 1 topic

"cfcarter1@gmail.com" <cfcarter1@gmail.com>: Aug 05 02:36PM -0700

If there's anyone that is interested in watching free internet tv please check out http://www.cordcuttersnation.com; Here you will find great cable channels that are free. Premium subscriptions are also available! You will be able to save a buck or two!!!
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Friday, August 4, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 1 topic

laurenheller0630@gmail.com: Aug 04 11:51AM -0700

On Wednesday, July 12, 2017 at 4:27:29 PM UTC-4, drpepper888 wrote:
> > who do not love their fellow man, and I hate people like that."
> > - Tom Lehrer
 
> Actually, there is a cheaper way than has been explained. Shop on the tracfone site and go to airtime basic service plans. Put the cheapest plan in your cart (though it should not matter which one you put in). They will then give you an option for buying a full year of time for $49.95. Delete the first plan you put in the cart!!! The full year for $49.95 will stay in the cart! Buy it. That is what I did today. I had over 3,000 minutes on my cell phone which I only have for emergencies and leave it in my car. I did not need any more time. I only paid $49.95 + tax and got another full year. You do not have to buy more minutes!
 
I just did this and i worked perfectly! Thank you for the tip!!!! :)
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 04 06:28PM -0700


> I just did this and i worked perfectly! Thank you for the tip!!!! :)
 
Thanks for the report back to let us know it works!!
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Thursday, August 3, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 2 updates in 1 topic

Beaver_Fever@live.com: Aug 02 07:19PM -0700

On Wednesday, August 2, 2017 at 6:26:19 PM UTC-7, ItsJoan NotJoann wrote:
 
> It's your problem and you are perpetuating his laziness. Deal with it
> as whatever we've suggested you reject it with some pitiful excuse for
> him. He's around your neck, not ours.
 
Well, he is an adult and I can't force him to get a job. And it's technically his place (as he was here before me). Maybe I should talk to an agent down the street and figure it out. I don't have to tell my roommate about the policy.
 
Also if he moves out I am afraid he will take the refrigerator and stove. And the money I am making now feels so unreal I don't want to count on it being here forever so I would prefer to keep my honest roommate now then have to find another one further down the line.
Beaver_Fever@live.com: Aug 02 07:25PM -0700

On Tuesday, August 1, 2017 at 12:55:31 PM UTC-7, Dennis wrote:
> --
> I'm behind the eight ball, ahead of the curve, riding the wave,
> dodging the bullet and pushing the envelope. -George Carlin
 
I've been there.
 
That's the thing about poverty of spirit, it makes you dependent on numbing agents such as drugs, alcohol and especially cable television. Thank gawd my attention span is too fried for TV.
 
However any parent who truly loved their children wouldn't force them to drink milk.
 
Section 8 ruined the Antelope Valley in California.
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Wednesday, August 2, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 3 updates in 1 topic

wilma6116@gmail.com: Aug 02 07:52AM -0700

I did extra work. The more you or into it, the more you make. More calls you go on. The bigger the wardrobe. I knew people who'd make six figures as an extra.
 
Now you know, the problem isn't renters insurance, it's having a poverty stricken roomie. And your hopeless situation.
Beaver_Fever@live.com: Aug 02 09:14AM -0700

> I did extra work. The more you or into it, the more you make. More calls you go on. The bigger the wardrobe. I knew people who'd make six figures as an extra.
 
> Now you know, the problem isn't renters insurance, it's having a poverty stricken roomie. And your hopeless situation.
 
Not totally hopeless. Just a weird thing I am not sure how to deal with. I don't blame him for not wanting to work, I also have no intention of getting another job either. However I was able to figure put how to generate some decent income in spite it.
 
What worries me most about him is that when he finally flames out, he leaves his cats with me and I have to be the one to take them to the shelter.
 
As long as he can pay the rent he stays. I just don't want him freeloading on my policy. Not drinking, doing drugs or being a lowlife counts A LOT with me and was my biggest worry when I was forced into sharing housing.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 02 06:26PM -0700


> Not totally hopeless. Just a weird thing I am not sure how to deal with. I don't blame him for not wanting to work, I also have no intention of getting another job either. However I was able to figure put how to generate some decent income in spite it.
 
> What worries me most about him is that when he finally flames out, he leaves his cats with me and I have to be the one to take them to the shelter.
 
> As long as he can pay the rent he stays. I just don't want him freeloading on my policy. Not drinking, doing drugs or being a lowlife counts A LOT with me and was my biggest worry when I was forced into sharing housing.
 
It's your problem and you are perpetuating his laziness. Deal with it
as whatever we've suggested you reject it with some pitiful excuse for
him. He's around your neck, not ours.
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Tuesday, August 1, 2017

Digest for misc.consumers.frugal-living@googlegroups.com - 11 updates in 1 topic

Beaver_Fever@live.com: Jul 31 11:52PM -0700

On Monday, July 31, 2017 at 10:23:21 AM UTC-7, ItsJoan NotJoann wrote:
 
> > Good idea- requiring roommate to insure. Not only does it allow you to easily insure your home, but it would weed out undesirables. If an insurance company won't insure a renter because of too many fires, floods, or riff-raff making off with the silverware; then why would you want them?
 
> That's the truth! And if they refuse to get their own renters policy
> then you definitely don't want to be sharing living quarters with them.
 
 
This dude does extra work a few times a month. He can barely afford the bare necessities. But he doesn't mess with my stuff. Keep in mind we are each paying $500 where average rent now over $2000.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 10:56AM -0700


> This dude does extra work a few times a month. He can barely afford the bare necessities. But he doesn't mess with my stuff. Keep in mind we are each paying $500 where average rent now over $2000.
 
What do you mean 'extra work a few times a month'? If he can't afford
to pay his renters insurance then he'll start having excuses of why
he can't pay his portion of the rent. Maybe he needs to live in a
homeless shelter if he's that strapped for cash.
 
"According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider."
Dennis <dgw80@hotmail.com>: Aug 01 12:55PM -0700

On Sat, 29 Jul 2017 11:59:52 -0700 (PDT), ItsJoan NotJoann
 
>Renters insurance really is cheap and a wise investment.
 
+1 on renter's insurance.
 
We used to own a small apartment building. One evening there was a
fire (caused by a cigarette dropped in a couch by a tenant's
boyfriend, it finally came out) that gutted one unit and caused smoke
and water damage on the rest. Fortunately no one was hurt. Our
landlord policy covered the damage to the building but, of course, did
not cover any damage to the tenant's possessions or provide money for
their accomodations while the building was repaired. We refunded
everyone's paid rent for the month and also paid for storage units for
tenant's stuff while the repairs were made, but that was all we could
manage.
 
Our insurance agent told us that they could have purchased renter's
insurance to cover their losses and expenses for about $15/month, but
no one had any insurance. Of course, these were the same people (all
single mothers on section 8) who complained that they couldn't afford
milk for their kids, but always seemed to have enough of money for
beer, cigarettes and cable TV.
 
Once all the repairs were made and everything was cleaned, shiny and
new, we decided it was a good time to sell. Never regretted it.
 
Dennis (evil)
--
I'm behind the eight ball, ahead of the curve, riding the wave,
dodging the bullet and pushing the envelope. -George Carlin
Bob F <bobnospam@gmail.com>: Aug 01 02:40PM -0700

On 8/1/2017 10:56 AM, ItsJoan NotJoann wrote:
> he can't pay his portion of the rent. Maybe he needs to live in a
> homeless shelter if he's that strapped for cash.
 
> "According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider."
 
Nice of you to make instant judgements on so9meone you have never met.
wilma6116@gmail.com: Aug 01 04:11PM -0700

I make that same instant judgement all the time- if you ain't got $0.40/day, you ain't getting the keys to my stuff.
Beaver_Fever@live.com: Aug 01 04:27PM -0700

On Tuesday, August 1, 2017 at 10:56:16 AM UTC-7, ItsJoan NotJoann wrote:
> he can't pay his portion of the rent. Maybe he needs to live in a
> homeless shelter if he's that strapped for cash.
 
> "According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider."
 
Extra as in movie extra. This is that kinda town and this is originally his place. Whatever with the rent is between him and the landlord. I can't make him pay any additional bills and don't want him freeloading on my policy.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 04:39PM -0700

On Tuesday, August 1, 2017 at 4:40:16 PM UTC-5, Bob F wrote:
> > homeless shelter if he's that strapped for cash.
 
> > "According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider."
 
> Nice of you to make instant judgements on so9meone you have never met.
 
I'm making my judgement on what Beaver has told us. Someone who apparently
is strapped for cash on a regular basis. If he's this broke regularly, how
is he expected to make his part of the monthly rent if he lives on less
than a shoestring budget?
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 04:42PM -0700


> Extra as in movie extra. This is that kinda town and this is originally his place. Whatever with the rent is between him and the landlord. I can't make him pay any additional bills and don't want him freeloading on my policy.
 
Has he ever gone out and actively searched for a job that has steady pay
or is he hoping to be 'discovered'?
 
If whatever 'the rent is between him and the landlord' and he doesn't
pay his share, you'll BOTH be at the homeless shelter.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 04:43PM -0700


> I make that same instant judgement all the time- if you ain't got $0.40/day, you ain't getting the keys to my stuff.
 
^5!
Beaver_Fever@live.com: Aug 01 04:51PM -0700

On Tuesday, August 1, 2017 at 4:42:57 PM UTC-7, ItsJoan NotJoann wrote:
> or is he hoping to be 'discovered'?
 
> If whatever 'the rent is between him and the landlord' and he doesn't
> pay his share, you'll BOTH be at the homeless shelter.
 
We both the pay the landlord individually. I am happy to pay half, if he hits the skids I will pay everything if I have to.
Beaver_Fever@live.com: Aug 01 04:53PM -0700

On Tuesday, August 1, 2017 at 4:39:57 PM UTC-7, ItsJoan NotJoann wrote:
> is strapped for cash on a regular basis. If he's this broke regularly, how
> is he expected to make his part of the monthly rent if he lives on less
> than a shoestring budget?
 
It's a mystery to me too but I am in much better financial shape than when I moved into this mess. However it would not be advantageous to move out at this time. He's lived here over 20 years under the same circumstances.
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