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• "Being Frugal is For the Rich" - 1 Update

"Being Frugal is For the Rich"

Beaver_Fever@live.com: Mar 30 10:43PM -0700 > You might have read their story in The Guardian, but in any event, here's the spiel. The Frugalwoods — real names Liz Willard Thames and Nate Thames — are a Millennial couple who did the nine-to-five non-profit thing in Cambridge, Massachusetts for several years before realizing they were trying to "buy their way into happiness" and deciding they had to break free. How? By retiring early, of course! So they squirreled away the majority of their income — in 2014, they saved an impressive 71 percent — cut back on things like eating out at restaurants and taking public transportation to work, and started a blog about their lives.   > The Frugalwoods soon had enough money saved to escape their "frenzied" city grind. They bought a four-bedroom house in Vermont and began a leisurely new life on 66 acres of woods, streams, and apple trees. Within a few years, the Frugalwoods garnered a vocal audience of aspiring frugalists, a book deal with HarperCollins, and enough guest spots on money podcasts to catch the attention of NPR and The New York Times...   > (snip)       I heard someone other than myself say the word frugal out loud for the first time in two decades yesterday. And he said it about me.

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• CA housing problems spilling over - 2 Updates

CA housing problems spilling over

ggggg9271@gmail.com: Mar 29 01:12AM -0700 https://lasvegassun.com/news/2018/mar/22/california-housing-problems-are-spilling-into-neva/

ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Mar 29 11:44AM -0700 > https://lasvegassun.com/news/2018/mar/22/california-housing-problems-are-spilling-into-neva/   Who cares?

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• "Being Frugal is For the Rich" - 1 Update
• NYT: "Single? No Kids? Don't Fret: How to Plan Care in Your Later Years" - 1 Update

"Being Frugal is For the Rich"

lenona321@yahoo.com: Mar 26 02:43PM -0700 Interestingly, there's no mention of the Dacyczyns. (Creators of "The Complete Tightwad Gazette," for you youngsters.)   https://theoutline.com/post/3840/frugalwoods-frugality-millennials?zd=1&zi=ju6a2dha   First paragraphs:       Miles Howard Mar—23—2018 11:15AM EST   What if buying a country house with its own apple orchard were as easy as giving up artisanal cheese and pre-sliced carrots for a while? What if you were able to retire in your thirties by simply living more "intentionally" and investing in low-fee index funds? If all that sounds peachy, then you've got to meet the Frugalwoods.   You might have read their story in The Guardian, but in any event, here's the spiel. The Frugalwoods — real names Liz Willard Thames and Nate Thames — are a Millennial couple who did the nine-to-five non-profit thing in Cambridge, Massachusetts for several years before realizing they were trying to "buy their way into happiness" and deciding they had to break free. How? By retiring early, of course! So they squirreled away the majority of their income — in 2014, they saved an impressive 71 percent — cut back on things like eating out at restaurants and taking public transportation to work, and started a blog about their lives.   The Frugalwoods soon had enough money saved to escape their "frenzied" city grind. They bought a four-bedroom house in Vermont and began a leisurely new life on 66 acres of woods, streams, and apple trees. Within a few years, the Frugalwoods garnered a vocal audience of aspiring frugalists, a book deal with HarperCollins, and enough guest spots on money podcasts to catch the attention of NPR and The New York Times...   (snip)

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NYT: "Single? No Kids? Don't Fret: How to Plan Care in Your Later Years"

lenona321@yahoo.com: Mar 26 02:17PM -0700 Useful, I hope! It's a bit long.   https://www.nytimes.com/2018/03/23/business/elder-orphans-care.html   First quarter:     By SUSAN B. GARLAND MARCH 23, 2018   Sarah Peveler lacks a support system that many older people count on: their adult children.   But Ms. Peveler, 71, who is divorced and childless, said she was determined not to let fear of an uncertain future get the best of her.   To help avoid the potential perils of a solitary old age, Ms. Peveler is carrying out a multipronged, go-it-alone plan. A key part of it was to find a small community where she could make friends and walk nearly everywhere, without worrying about the hazards of ice and snow.   A friend from North Carolina suggested that she look at Tarboro, in the eastern part of the state, about 75 miles from Raleigh. The city of 11,400 filled the bill, and she moved there several years before retiring in 2012 from her job as an executive at a Philadelphia-based nonprofit.   "At some point, I am not going to be able to drive," she said. From her downtown home, "I can walk to Main Street, the library, the church, the drugstore and the Piggly Wiggly."   Ms. Peveler paid $135,000 cash for a one-story house with longevity in mind. One of the three bedrooms, she said, can be converted into an apartment if she needs a caretaker to move in. She is thinking of checking out assisted-living facilities in case she ever needs more than home care. (There is a family history of dementia, she said.) Several mini-strokes caused some cognitive impairment, so her doctor monitors her regularly. With a brother on the West Coast and no nieces or nephews to step in, Ms. Peveler has, through her church and several civic activities, developed a surrogate family of friends and neighbors, many of them several decades younger, who keep tabs on her. For added protection, she signed up for a service, EyeOn App, that signals three friends if she does not reply within a half-hour to scheduled alerts on her cellphone.   "Once, I didn't respond, and everyone called me," she said. "My next-door neighbor sent her daughter over."   Although no plan is foolproof, Ms. Peveler said she was as confident as she could be. "I know people would have my back," she said.   Ms. Peveler is among a growing number of older Americans who are unmarried and childless. By 2030, about 16 percent of women 80 to 84 will be childless, compared with about 12 percent in 2010, according to a 2013 report by AARP...     (snip)         Lenona.

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• "American scam: My kid and I are both supposed to go broke paying for college? Forget it" (recent article) - 1 Update

"American scam: My kid and I are both supposed to go broke paying for college? Forget it" (recent article)

ggggg9271@gmail.com: Mar 24 12:16PM -0700 https://www.salon.com/2018/03/22/american-scam-my-kid-and-i-are-both-supposed-to-go-broke-paying-for-college-forget-it/

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• Anybody here? - 1 Update
• American Express Black Card - 1 Update

Anybody here?

Dennis <dgw80@hotmail.com>: Mar 22 07:29AM -0700 On Tue, 13 Mar 2018 23:14:04 -0700, The Real Bev   >Leeks might be nice. Somebody gave me some maybe 40 years ago, and I >keep thinking I should plant some...   One nice thing about leeks is, if you don't get around to harvesting some of them for eating, they produce really cool flowers.   Dennis (evil) -- I'm a hands-on, footloose, knee-jerk head case. -George Carlin

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American Express Black Card

Dennis <dgw80@hotmail.com>: Mar 22 07:43AM -0700 >> American Express black card requirements   >> The American Express Centurion Card, known informally as the Black Card, is an invitation-only charge card issued by American Express to platinum card holders after they meet certain criteria, while spending at least $21,000 a month.   >I only have a gold card. What a loser.   Yeah, it's the credit card.   Dennis (evil) -- "There is a fine line between participation and mockery" - Wally

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• How many therms (natural gas) do you use per day (per month)? - 2 Updates
• Am I paying the right amount of tax? - 1 Update
• Anybody here? - 2 Updates
• American Express Black Card - 3 Updates

How many therms (natural gas) do you use per day (per month)?

Thom Ianniccari <caedfaa9ed1216d60ef78a6f660f5f85_12635@example.com>: Mar 22 01:14PM replying to Donna Ohl, Grady Volunteer Coo, Thom Ianniccari wrote: I am in Northern NJ and in January (which was frigid weather) the gas company said I used 11.522 therms. Does that seem low for those conditions in a 1,500 sq ft house with thermostat set to 55 F?   -- for full context, visit https://www.homeownershub.com/maintenance/how-many-therms-natural-gas-do-you-use-per-day-per-month-728493-.htm

ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Mar 22 12:25PM -0700 On Thursday, March 22, 2018 at 8:14:08 AM UTC-5, Thom Ianniccari wrote: > said I used 11.522 therms. Does that seem low for those conditions in a 1,500 > sq ft house with thermostat set to 55 F?   > for full context, visit https://www.homeownershub.com/maintenance/how-many-therms-natural-gas-do-you-use-per-day-per-month-728493-.htm   I knew it, I knew it, I knew it. As soon as I saw the original post from 2008 I knew the reply would come from one of the knuckleheads at HomeMoanersHub. The posters there are simply incapable of reading dates of posts they show up 12 years later to reply to.

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Am I paying the right amount of tax?

LLevy <LLevy.14f9a4db@bargainbanter.co.uk>: Mar 22 06:55PM +0100 Hello everyone. I'm not totally sure if this post is in the correct place so mods/admins feel free to move it :) I've got a question about income tax - I earn (gross) £31,000 a year, and after tax 'this calculator' (http://after-tax.co.uk/?income=31000) says I should make £24,360 after tax and NI - however last year I made only £22,000 (same wages, no bonuses or other tax related stuff coming out) after tax. What should I do about this? I haven't received a tax return or any notice from HMRC so a bit confused. Does anyone have any ideas of what I should do?? Thanks!         -- LLevy

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Anybody here?

Dennis <dgw80@hotmail.com>: Mar 22 07:29AM -0700 On Tue, 13 Mar 2018 23:14:04 -0700, The Real Bev   >Leeks might be nice. Somebody gave me some maybe 40 years ago, and I >keep thinking I should plant some...   One nice thing about leeks is, if you don't get around to harvesting some of them for eating, they produce really cool flowers.   Dennis (evil) -- I'm a hands-on, footloose, knee-jerk head case. -George Carlin

The Real Bev <bashley101@gmail.com>: Mar 22 08:40AM -0700 On 03/22/2018 07:29 AM, Dennis wrote: >>keep thinking I should plant some...   > One nice thing about leeks is, if you don't get around to harvesting > some of them for eating, they produce really cool flowers.   So do all onion-variants. The guy who gave me the leek said that if you just cut it off at ground level it will produce more little leeks from the roots. If I ever plant any I'll remember that.   Juat got back from a 3-day marathon to Antelope Canyon, Zion and Kolob. Gas in Las Vegas. Antelope is wonderful, but it's filled with people :-(   -- Cheers, Bev "This software is as user-friendly as a cornered rat!"

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American Express Black Card

hchickpea@hotmail.com: Mar 21 12:21PM -0500 >> American Express black card requirements   >> The American Express Centurion Card, known informally as the Black Card, is an invitation-only charge card issued by American Express to platinum card holders after they meet certain criteria, while spending at least $21,000 a month.   >I only have a gold card. What a loser.   Tech giants have one made from unobtanium.   (Word is that Bill Gate's card has downtime because of frequent updates and can't be used to buy apples.)

Dennis <dgw80@hotmail.com>: Mar 22 07:37AM -0700 >This looks totally awesome and I want one, but I can't find any application online. How do I get one?   A can of black spray paint could work for you.   Dennis (evil) -- "There is a fine line between participation and mockery" - Wally

Dennis <dgw80@hotmail.com>: Mar 22 07:43AM -0700 >> American Express black card requirements   >> The American Express Centurion Card, known informally as the Black Card, is an invitation-only charge card issued by American Express to platinum card holders after they meet certain criteria, while spending at least $21,000 a month.   >I only have a gold card. What a loser.   Yeah, it's the credit card.   Dennis (evil) -- "There is a fine line between participation and mockery" - Wally

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• American Express Black Card - 4 Updates
• "A new era: What the Federal Reserve's interest rate hike means for you" - 1 Update
• American Express Black Card - 1 Update

American Express Black Card

Beaver_Fever@live.com: Mar 20 11:33PM -0700 On Monday, March 19, 2018 at 10:11:28 PM UTC-7, ItsJoan NotJoann wrote:   > A bit of digging that you could have done on your own but this pops up.   > American Express black card requirements   > The American Express Centurion Card, known informally as the Black Card, is an invitation-only charge card issued by American Express to platinum card holders after they meet certain criteria, while spending at least $21,000 a month.   I only have a gold card. What a loser.

Beaver_Fever@live.com: Mar 21 12:51AM -0700 On Monday, March 19, 2018 at 8:26:38 PM UTC-7, Bob F wrote: > On 3/19/2018 6:07 PM, Beaver_Fever@live.com wrote: > > This looks totally awesome and I want one, but I can't find any application online. How do I get one?   > "It looks awesome" is your reason for getting one?   it's my reason for getting anything

hchickpea@hotmail.com: Mar 21 12:21PM -0500 >> American Express black card requirements   >> The American Express Centurion Card, known informally as the Black Card, is an invitation-only charge card issued by American Express to platinum card holders after they meet certain criteria, while spending at least $21,000 a month.   >I only have a gold card. What a loser.   Tech giants have one made from unobtanium.   (Word is that Bill Gate's card has downtime because of frequent updates and can't be used to buy apples.)

Bob F <bobnospam@gmail.com>: Mar 21 04:47PM -0700 >>> This looks totally awesome and I want one, but I can't find any application online. How do I get one?   >> "It looks awesome" is your reason for getting one?   > it's my reason for getting anything   LOL!

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"A new era: What the Federal Reserve's interest rate hike means for you"

ggggg9271@gmail.com: Mar 21 11:25AM -0700 http://www.chicagotribune.com/business/ct-biz-what-interest-rate-hike-means-for-you-20180321-story.html

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American Express Black Card

Derald <derald@invalid.net>: Mar 20 08:06AM -0500 >On 3/19/2018 6:07 PM, Beaver_Fever@live.com wrote: >> This looks totally awesome and I want one, but I can't find any application online. How do I get one?   >"It looks awesome" is your reason for getting one? Probably as good a reason as any other.

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• Tracfone-adding service days? - 1 Update
• American Express Black Card - 1 Update
• American Express Black Card - 3 Updates

Tracfone-adding service days?

elginon48@gmail.com: Mar 20 03:39PM -0700 On Tuesday, January 20, 2009 at 6:37:23 AM UTC-5, Steve.IA wrote: > Thank you for sharing.   > Steve   > i did it once a few years ago but then they quit it , i have over 4000 min. len

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American Express Black Card

Derald <derald@invalid.net>: Mar 20 08:06AM -0500 >On 3/19/2018 6:07 PM, Beaver_Fever@live.com wrote: >> This looks totally awesome and I want one, but I can't find any application online. How do I get one?   >"It looks awesome" is your reason for getting one? Probably as good a reason as any other.

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American Express Black Card

Bob F <bobnospam@gmail.com>: Mar 19 08:23PM -0700 > This looks totally awesome and I want one, but I can't find any application online. How do I get one?   "It looks awesome" is your reason for getting one?

ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Mar 19 10:08PM -0700 > This looks totally awesome and I want one, but I can't find any application online. How do I get one?   It is my understanding you have to make HUGE bucks in order to qualify for one and you must have A+++ credit rating. Not 100% sure but I think the yearly fee to have this card is astronomical and you have regular interest charges like other cards.   It is a prestige card and once you lose your black card rating, that's it; you can never get another one. But I agree with Bob F, "it looks awesome" is a lame reason for getting one.

ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Mar 19 10:11PM -0700 > This looks totally awesome and I want one, but I can't find any application online. How do I get one?   A bit of digging that you could have done on your own but this pops up.   American Express black card requirements   The American Express Centurion Card, known informally as the Black Card, is an invitation-only charge card issued by American Express to platinum card holders after they meet certain criteria, while spending at least $21,000 a month.

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• Anybody here? - 2 Updates
• American Express Black Card - 1 Update
• My girlfriend exploded during sex - 1 Update

Anybody here?

Beaver_Fever@live.com: Mar 19 06:07PM -0700 On Saturday, March 10, 2018 at 10:41:57 PM UTC-8, The Real Bev wrote: > "If God had wanted us to use the metric system, > Jesus would have had 10 apostles." > - Jesse Helms     Hello.

Beaver_Fever@live.com: Mar 19 06:34PM -0700 On Friday, March 16, 2018 at 5:20:03 PM UTC-7, barbie gee wrote: > On Sat, 10 Mar 2018, The Real Bev wrote:   > > Hello?   > Usenet is dead. Long live Usenet!   It endlessly depresses me.   I liked the internet a lot of better when some intelligence was required for participation.   I miss my favorite groups.   At least at least of the regulars are hanging on, I feel some comfort when I see their names.

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American Express Black Card

Beaver_Fever@live.com: Mar 19 06:07PM -0700 This looks totally awesome and I want one, but I can't find any application online. How do I get one?

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My girlfriend exploded during sex

hillgraeme296@gmail.com: Mar 19 06:12AM -0700 > Maybe I should leave the country, and not say a word about it to > anyone.   > What would you do?   Just leave. Go to russia. Drink vodka. Make bombs. Fit in.

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Anybody here?

The Real Bev <bashley101@gmail.com>: Mar 17 09:42PM -0700 >>> to feel wierd.   >>Hubby eats the skins...   > No, no excessive fibers. They do get thicker right around the seed.   I'll keep my eyes open for them, then.   > Your hubby is strange.   No comment.     -- Cheers, Bev I love the way Microsoft follows standards. In much the same manner that fish follow migrating caribou. -- Paul Tomblin

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Anybody here?

The Real Bev <bashley101@gmail.com>: Mar 16 10:45PM -0700 > Kiett. Never had to write the name down and it is pronounced keet.   > https://en.wikipedia.org/wiki/Keitt_%28mango%29   "The flesh has fibers..." As many as the Tommies? Those are very nearly inedible. We get a lot of those, and only occasionally the Kents which are much better. Big AND good would be really nice.   We drove to Mexico for the 1991 eclipse below Mazatlan. On the way we bought a flat of mangos, and every once we would stop for a mango break. Fortunately we had brought far too much water with us...   > You have to be a little careful with mangos though, as too much and you may > start to develop an allergy to them. You can tell because your lips will start > to feel wierd.   Hubby eats the skins...   -- Cheers, Bev Of course SoCal has four seasons: Earthquake, Mudslide, Brushfire, and Riot

hchickpea@hotmail.com: Mar 17 12:58PM -0500 >> start to develop an allergy to them. You can tell because your lips will start >> to feel wierd.   >Hubby eats the skins...   No, no excessive fibers. They do get thicker right around the seed.   Your hubby is strange.

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• Tracfone-adding service days? - 1 Update
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Anybody here?

hchickpea@hotmail.com: Mar 16 12:48PM -0500 >tops. Managed to provide "almost" a year's supply of onions for the >kitchen in 2017 but not likely to do as well this year and many of what >I do have will be late.     Lived down there for about 20 years. Malabar spinach is quite good and handles heat well. With the nematodes, we found the way to garden veggies was in containers (homemade eearthboxes). Wander a Home Depot plant area and you'll see some square one marketed as garden boxes or some such..   The fun in Florida was the various fruiting trees - orange, grapefruit, lemon, lime, mangoes (keet is really good), papaya (but bag them because of the bugs), and with insanely heavy mulch and a protected spot - bananas.

The Real Bev <bashley101@gmail.com>: Mar 16 11:06AM -0700 > The fun in Florida was the various fruiting trees - orange, grapefruit, lemon, > lime, mangoes (keet is really good), papaya (but bag them because of the bugs), > and with insanely heavy mulch and a protected spot - bananas.   Keet? Is that an offshoot of Kent? Those are the only ones that we get around here that are worth eating. I planted a seed a couple of years ago, but the plant is less than a foot high now :-(   -- Cheers, Bev "Nothing in the universe can withstand the relentless application of brute force and ignorance." -- Frd, via Dennis (evil)

hchickpea@hotmail.com: Mar 16 06:57PM -0500 Kiett. Never had to write the name down and it is pronounced keet.   https://en.wikipedia.org/wiki/Keitt_%28mango%29   You have to be a little careful with mangos though, as too much and you may start to develop an allergy to them. You can tell because your lips will start to feel wierd.

barbie gee <booger@nosespam.com>: Mar 16 07:17PM -0500

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Tracfone-adding service days?

marge9027@gmail.com: Mar 16 07:20AM -0700 On Wednesday, July 12, 2017 at 4:27:29 PM UTC-4, drpepper888 wrote:

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My girlfriend exploded during sex

Derald <derald@invalid.net>: Mar 15 10:10PM -0500 >>HTH,   >I dunno, she sounds more jerky to me. Why take a chance on a freezer explosion >when you can have jerky that fizzes in your mouth? Any way she rolls, she's my kind of girl. Ol' Rick is one lucky dog. -- Derald ...the only traits that are passed down in your family are perversity, ego-centrism, laziness and sociopathic tendencies. --Lynn Barton, Filedheacht Music School, East Bridgewater, MA July, 2016 to Derald

Derald <derald@invalid.net>: Mar 15 10:10PM -0500 >Hmmm. My various starts are either still on the grow shelves or had to be taken >in because of frost. Tradition is that one can't plant safely here until the >week of Easter, and it has been true every year I have paid attention. We had a high-average warm winter this year but nothing record-setting. Cold finally took out the eggplants and most of the peppers. In a bit of a "march surprise" chilly spell now that has the remaining peppers a bit unhappy.   >I gave up the big garden here because it just wasn't financially practical. I >now grow in containers on the back deck, where the deer and groundhog can't >reach. I still garden in raised beds and containers. Trying to amend and maintain the native sand is a bit like rolling a boulder up a hill.... Our garden is small enough to manage, equipped with drip irrigation (which, btw, has required far less maintenance than I feared at the outset). Except for alfalfa and seeds, I don't have to bring in much from the outside. I try to grow the most of what we eat the most of because that's where most of the money would be spent. I live in a climate suitable for year 'round gardening but not suitable for food crops that need a long cool season such as broccoli (although, some years rapini does well), cauliflower, crisphead lettuce and, most years, carrots.   >Trying shallots this year, as the prices in the store are always outrageous for >them. Never have grown those. I grow fairly strongly flavored piquant cooking onions, a pot of perennial chives and frequent successive plantings of some generic off-the-rack onions for tender "green" onion tops. Managed to provide "almost" a year's supply of onions for the kitchen in 2017 but not likely to do as well this year and many of what I do have will be late. -- Derald Peninsular FL, USA USDA 9b

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• My girlfriend exploded during sex - 1 Update

My girlfriend exploded during sex

Beaver_Fever@live.com: Mar 15 09:24AM -0700 > Maybe I should leave the country, and not say a word about it to > anyone.   > What would you do?   The trolls sure ain't what they used to be.

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Digest for misc.consumers.frugal-living@googlegroups.com - 3 updates in 2 topics

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• Anybody here? - 2 Updates

My girlfriend exploded during sex

hchickpea@hotmail.com: Mar 14 01:30PM -0500 > Get the choice cuts and organ meat into the freezer as quickly as >possible, while still fresh. >HTH,     I dunno, she sounds more jerky to me. Why take a chance on a freezer explosion when you can have jerky that fizzes in your mouth?

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Anybody here?

The Real Bev <bashley101@gmail.com>: Mar 13 11:14PM -0700 > reach.   > Trying shallots this year, as the prices in the store are always outrageous for > them.   The zinnias, nasturtiums and cherry tomatoes just popped up. The basil from last year seems to be sprouting new growth (still trying to flower, but maybe it will give that up soon), A few flowers on the potted apricot tree and lots of buds on the potted orange tree. Life is good.   Leeks might be nice. Somebody gave me some maybe 40 years ago, and I keep thinking I should plant some...     -- Cheers, Bev "By the time they had diminished from 50 to 8, the other dwarves began to suspect 'Hungry.'" -Gary Larson

hchickpea@hotmail.com: Mar 13 12:17PM -0500 >Yep. One more cup of coffee and I'm out to the garden. Got >strawberries to pick this morning and peas to plant RSN while the >weather's still kind of cool.   Hmmm. My various starts are either still on the grow shelves or had to be taken in because of frost. Tradition is that one can't plant safely here until the week of Easter, and it has been true every year I have paid attention.   I gave up the big garden here because it just wasn't financially practical. I now grow in containers on the back deck, where the deer and groundhog can't reach.   Trying shallots this year, as the prices in the store are always outrageous for them.

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