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• "About people complaining about the loan forgiveness" - 2 Updates
• "Woman spends $13K on a truck filled with lost packages worth over $50K" - 1 Update

"About people complaining about the loan forgiveness"

Dim Witte <dakadldo2@gmail.com>: Aug 29 11:44PM -0700 On Sunday, August 28, 2022 at 5:50:26 PM UTC-8, Lenona wrote: ---------- What I remember about students using loans to pay for college is that, from the beginning, the programs have been taken advantage of by clever students who put the money into other uses, like investing in stocks and bonds. Like many pyramid schemes, it's simply a matter of collecting the money now, then paying back later, when interests are factored in. So by all means, get your student loan, even better now that you get it as a freebie.

Bob F <bobnospam@gmail.com>: Aug 30 04:12PM -0700 On 8/29/2022 11:44 PM, Dim Witte wrote:   >> 42 comments. > ---------- > What I remember about students using loans to pay for college is that, from the beginning, the programs have been taken advantage of by clever students who put the money into other uses, like investing in stocks and bonds. Like many pyramid schemes, it's simply a matter of collecting the money now, then paying back later, when interests are factored in. So by all means, get your student loan, even better now that you get it as a freebie.   I wouldn't be surprise that your rightie friends would stoop that low.

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"Woman spends $13K on a truck filled with lost packages worth over $50K"

Lenona <lenona321@yahoo.com>: Aug 30 08:18AM -0700 It's a slideshow.   Fascinating, but I don't understand why these items shouldn't go to the owners - unless the addresses are missing. https://www.msn.com/en-us/lifestyle/fashion/woman-spends-dollar13k-on-a-truck-filled-with-lost-packages-worth-over-dollar50k/ss-AA11emnZ?ocid=mailsignout&li=BBnbfcL#image=1   "A vlogger spent $12,643 on a truck filled with lost packages after she won a bidding contest for the items in hopes of making her money back and found some treasure, including a Dior purse, Dyson vacuum and diamond jewelry. Hope Aleen (pictured), 28, from Utah, regularly posts videos of herself buying lost mail packages, lost luggage and even buying returns from department stores..."

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• "About people complaining about the loan forgiveness" - 1 Update

"About people complaining about the loan forgiveness"

Lenona <lenona321@yahoo.com>: Aug 28 06:50PM -0700 I thought this was thought-provoking.   https://www.reddit.com/r/childfree/comments/wzd88w/rant_here_about_people_complaining_about_the_loan/   "As many of you (in) the usa may know. Biden, passed a long forgiveness program that would bring some much needed relief for those of who have been working hard to get those student loans. One of the things I hate its how so many people are complaining about how 'My tax dollars are going to pay for this.' but those same people have children.   "Yes it was my choice to go to college but it was also your choice to have kids.   "I wouldn't dream of asking the government to stop paying for public schools and putting that 15-20k per child cost onto the parents directly. I also pay more in taxes than people my own age with kids because they get a bigger refund due to their children. Maybe I should write my congressmen and point out that since people choose to have kids they shouldn't be rewarded for having them by child free tax payers?   "Note: I am not against funding for public schools as I attended one and believe all children should have a fine education and also agree that kids are expensive so I understand the logic for things like child tax credits etc. but it irks me to no end how many people with children are complaining about the tax payers picking up the bill for student loan forgiveness while they get a bigger tax rebate and I help pay for their kids education."   (end)   80-plus comments so far. Many are quite good. Here's one:   heresmytwopence "THEY benefit too. Tradespeople don't create cars and trucks, HVAC systems, appliances, heavy machinery or power tools. They don't design buildings, roads and bridges. They don't handle complex business, financial and legal issues. Unless they live and work directly off the land using their bare hands or handmade tools, their careers are dependent on the work of others, many of them college graduates. They, get to walk into careers created for them by people who had to pay out of their own pockets to train for their jobs."     And elsewhere, I said (not on Reddit): "imagine a world in which people who say they can't wait to have a first or second child actually gave it as much careful financial thought as they would before getting a dog or a car."   Well, what do you know...I was right, contrary to what a nasty person said to me about that. Dumb couples like that DO exist. In large numbers.   "We can't afford to replace a car battery so we're down to 1 car" but also "We can't wait to be pregnant! We're going to start trying soon!" https://www.reddit.com/r/childfree/comments/wzjkwo/we_cant_afford_to_replace_a_car_battery_so_were/   42 comments.

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• Using grocery delivery service - 1 Update

Using grocery delivery service

Dim Witte <dakadldo2@gmail.com>: Aug 28 03:23PM -0700 I opted to invests in a store delivery service, using Boost at Fred Meyer. For I get free delivery for a year for $60, plus a tip of 5% or more. Can get deliver to my doorstep the same or following day.   Problem is that chosen items offered on-line turn out not to be "unavailable," in which case you can allow substitutions at your discretion.   What happened to prompt my post is that my last delivery was for only about half of what I chose from advertised items, and two items said to be "substitutions" were, in fact, not delivered.   Result was that I contacted Fred Meyer about this, then got their email response, apologizing and paying to my account about double what wasn't delivered.   I'm keeping an eye on the Fred Meyer delivery service, but have thanked them for responding responsibly. In future, I'm going to try ordering without authorizing any substitutes.   Another delivery service out there is InstaCart, which you can use free for three deliveries.

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• "Millennials and Gen-Z cannot afford to have children" - 1 Update

"Millennials and Gen-Z cannot afford to have children"

Lenona <lenona321@yahoo.com>: Aug 27 08:37AM -0700 https://www.reddit.com/r/childfree/comments/wyp44r/millennials_and_genz_cannot_afford_to_have/   60-plus comments so far.   One of the more popular comments:   KittiesB4Kids "It's mind-blowing to me that in the fifties you could have a house and children on ONE income. I was born in 1987. I didn't go to college and therefore don't have student loan debt. I never wanted children and my husband is sterilized, thank God. We don't drink Starbucks or blow our money on alcohol or tattoos. We are trying to be frugal, but with inflation of everything and having car repairs, this is really tough on us. Education cost is through the roof. Housing costs, gas prices, grocery prices, utility bills - everything is horrible. The boomers are saying we need to live simpler: not buy $800 phones and so many streaming services. Okay. Except literally our whole system is technology dependent. I don't agree with it, I think it's risky and stupid, but it is what it is. We have to adapt to keep up. And I pay for Hulu and nothing else. And that doesn't change the fact that pay wages have NOT kept up with inflation. They had an easier path than us. Plain and simple.   "Basically you have to learn a sought after trade or get a CDL or you're screwed."   And the long response from bifuriouslypersist is even better:   " 1985 here, and even my single mother, poverty born and frugal, believes that bullshit line. She says 'what are you spending all of your money on???'   "I literally showed her my bank account. Gas, car payment (reasonable, and allllmost paid off... but also now about to be without a warranty), insurance, gas, rent, utilities, food, gas... school loan/medical bill payments, and also, gas. I wear my clothes until they're shreds, my phone is 6yrs old, I don't wear makeup, get my nails done, and cut my own hair. I only buy Starbucks (drip, not fucking lattes) and cheap prepared food when I've been so busy working/stuck in traffic that I'm literally starving and too exhausted to also go to the grocery store and make food that was just as expensive to buy and now I have to cook..."   (snip, but do read the rest, please!)   Me - I didn't actually post at Reddit; I never do:   I didn't even turn my heat on last winter, something that may well happen often, in the future, so my home gas bill was $200 for the whole YEAR. I don't have cable or my own computer, but there are 1,000s of free movies at the library (not to mention all the free music). I use their free laptops as well, but I want to cut back on that. Screen time is depressing anyway, especially as you get older. I buy maybe $20 worth of clothing per year, at thrift stores and yard sales. I cut my own hair too.   I have only two current monthly expenses I could possibly cut back on - my landline and my sweet tooth (the latter costs me $20 a month or less - if I want a takeout meal, I cut back on sweets). However, aside from the much-appreciated security of a landline, I like being able to keep my cell turned off 95% of the time, so it doesn't need much charging. For the most part, only telemarketers would call my cell anyway - and for that reason, it's not set up for voice mail, as my friends know, so of course we have to rely on my landline. I carry my cell in public only when truly necessary and I use it at home for long-distance calls, since my landline no longer does that. (Not to mention that many - most? - employers aren't happy if they can't text you for emergencies, at least.)   More advantages of landlines:   https://www.lpcconnect.net/landline-benefits/   And I still can't afford even a dog. Or a car. (Luckily, I don't need/want either.) At least, not if I want my savings account to increase every year instead of decreasing.   Btw, a neighbor's pickup truck was stolen a couple of weeks ago - I just found out. To me, that suggests a certain level of desperation - i.e., not something that some rotten teenager would do for fun.

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

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• "11 Most Useless Job Skills" - 2 Updates

"11 Most Useless Job Skills"

The Real Bev <bashley101@gmail.com>: Aug 23 09:59PM -0700 On 8/22/22 5:26 PM, Beaver Fever wrote:   >> https://www.msn.com/en-us/money/other/11-most-useless-job-skills-companies-dont-want-today/ss-AA10VzbU?ocid=mailsignout&li=BBnb7Kz&fullscreen=true#image=1   > ZOMG there is an Adulting Reddit. If only they had that when I was a young 30 year old.   > Too bad some of that stuff up there I actually know how to do.   It's not that they don't want it, they just assume that everyone already knows how to do it. You don't put "reading" on your resume, do you?   BTW, the site that the MSN link points to is itself useless in a lot of ways.   -- Cheers, Bev I've enjoyed just about as much of this as I can stand.

Beaver Fever <Beaver_Fever@live.com>: Aug 24 04:44PM -0700 On Tuesday, August 23, 2022 at 9:59:38 PM UTC-7, The Real Bev wrote:   > -- > Cheers, Bev > I've enjoyed just about as much of this as I can stand.     I have never written a resume.   I haven't applied for a job since 1995

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• "11 Most Useless Job Skills" - 1 Update

"11 Most Useless Job Skills"

gggg gggg <ggggg9271@gmail.com>: Aug 23 09:50AM -0700 On Monday, August 22, 2022 at 11:45:06 AM UTC-7, Lenona wrote: > If anyone wants to know this writer's opinion...   > https://www.msn.com/en-us/money/other/11-most-useless-job-skills-companies-dont-want-today/ss-AA10VzbU?ocid=mailsignout&li=BBnb7Kz&fullscreen=true#image=1   (Youtube upload):   "The Most REGRETTED Majors!"

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

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• "11 Most Useless Job Skills" - 2 Updates
• Mouthwashes - 1 Update

"11 Most Useless Job Skills"

Lenona <lenona321@yahoo.com>: Aug 22 11:45AM -0700 If anyone wants to know this writer's opinion...   https://www.msn.com/en-us/money/other/11-most-useless-job-skills-companies-dont-want-today/ss-AA10VzbU?ocid=mailsignout&li=BBnb7Kz&fullscreen=true#image=1

Beaver Fever <Beaver_Fever@live.com>: Aug 22 05:26PM -0700 On Monday, August 22, 2022 at 11:45:06 AM UTC-7, Lenona wrote: > If anyone wants to know this writer's opinion...   > https://www.msn.com/en-us/money/other/11-most-useless-job-skills-companies-dont-want-today/ss-AA10VzbU?ocid=mailsignout&li=BBnb7Kz&fullscreen=true#image=1     ZOMG there is an Adulting Reddit. If only they had that when I was a young 30 year old.   Too bad some of that stuff up there I actually know how to do.

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Mouthwashes

gggg gggg <ggggg9271@gmail.com>: Aug 21 08:13PM -0700 https://www.verywellhealth.com/best-mouthwashes-for-gingivitis-4174852

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• 2022 Inflation issues - 1 Update

2022 Inflation issues

gggg gggg <ggggg9271@gmail.com>: Aug 21 10:16AM -0700 On Wednesday, January 12, 2022 at 5:43:29 PM UTC-8, wrote: > https://www.pbs.org/newshour/show/inflation-surged-at-the-fastest-pace-in-40-years-what-will-it-mean-for-consumers   https://www.eatthis.com/news-most-expensive-grocery-before-fall/

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• "Here are 5 reasons that the bull run in stocks may be about to morph back into a bear market" - 1 Update

"Here are 5 reasons that the bull run in stocks may be about to morph back into a bear market"

gggg gggg <ggggg9271@gmail.com>: Aug 20 01:46PM -0700 https://www.marketwatch.com/story/here-are-5-reasons-why-the-bull-run-in-stocks-may-be-about-to-morph-back-into-a-bear-market-11660942705

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• How to clean drains - 1 Update

How to clean drains

gggg gggg <ggggg9271@gmail.com>: Aug 19 06:08PM -0700 https://www.wikihow.com/Clean-Drains

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• If you want to be rich - 1 Update

If you want to be rich

gggg gggg <ggggg9271@gmail.com>: Aug 16 08:40PM -0700 https://www.marketwatch.com/picks/if-you-really-want-to-be-rich-you-need-to-do-this-says-mark-cuban-01660495225

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

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• "McDonald's and Chipotle said low-income customers are spending less, while higher-income consumers are visiting more frequently." - 1 Update
• 2022 Inflation issues - 1 Update
• "Costly Mistakes People Make While Grocery Shopping" - 1 Update

"McDonald's and Chipotle said low-income customers are spending less, while higher-income consumers are visiting more frequently."

gggg gggg <ggggg9271@gmail.com>: Aug 16 10:27AM -0700 On Sunday, August 7, 2022 at 12:46:48 PM UTC-7, wrote: > https://www.cnbc.com/2022/08/07/consumers-are-cutting-back-on-restaurant-spending-but-ceos-say-not-all-chains-are-affected.html   According to Walmart:   https://www.cnbc.com/2022/08/16/walmart-ceo-doug-mcmillon-says-even-wealthier-families-are-penny-pinching-.html

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2022 Inflation issues

gggg gggg <ggggg9271@gmail.com>: Aug 15 10:06PM -0700 On Wednesday, January 12, 2022 at 5:43:29 PM UTC-8, wrote: > https://www.pbs.org/newshour/show/inflation-surged-at-the-fastest-pace-in-40-years-what-will-it-mean-for-consumers   (2022 Youtube upload):   "Inflation: The Real Cause"

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"Costly Mistakes People Make While Grocery Shopping"

Dim Witte <dakadldo2@gmail.com>: Aug 15 07:18PM -0700 On Thursday, August 11, 2022 at 8:01:34 AM UTC-8, Lenona wrote:   > https://www.msn.com/en-us/money/other/costly-mistakes-people-make-while-grocery-shopping/ss-AASvY8d?ocid=mailsignout&li=BBnb7Kz&fullscreen=true#image=1   > At any rate, I have to wonder if all these tips would REALLY result, for one adult consumer, in a grocery bill that's lower than $80 per month - or even lower than $90.   > (But yes, buying in bulk can be a bad idea if 20% of the food rots.)   Problem with fruit is that it doesn't often square with keto, which denies carbohydrates and starches. LIke one medium apple has more than the 20 carbohydrates allotted in keto daily. But there are exceptions considered keto-friendly. Tomatoes contain around 2–3 grams of net carbs per 3.5 ounces (100 grams) — or up to 10 times fewer net carbs than most fruit. Berries like blueberry and blackberry are okay.

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• Bottom line on grocery shopping - 1 Update

Bottom line on grocery shopping

Dim Witte <dakadldo2@gmail.com>: Aug 14 03:25AM -0700 On Tuesday, July 12, 2022 at 10:32:44 AM UTC-8, Dim Witte wrote: ------------------- Another note on best keto diet items, found at: https://www.healthline.com/nutrition/ketogenic-diet-foods

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• Bottom line on grocery shopping - 1 Update

Bottom line on grocery shopping

Dim Witte <dakadldo2@gmail.com>: Aug 13 01:06AM -0700 On Friday, August 12, 2022 at 5:22:46 AM UTC-8, Dim Witte wrote:   > I have to reverse some of my suggestions, in the above, because of new information (for me) about changing diet, from starches and carbohydrates, to proteins and greens. Happened to stumble on an article on learning about Keto, and don't see any downside to it. They are saying that in a few months, you can lose weight, BIG time, without side effects.   > So see how I have changed my list to include suggestions others make about going Keto. BAD news is that all the keto products are expensive, so you have to rationalize that, especially for salads and fruits, except for canned. GOOD news is that some bread, like Franz, are keto and even gluten-free.   > [Note: don't worry that I'm trying to sell something, because my post is mostly for myself.] [Note: Cheese is a YES.]

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• "Costly Mistakes People Make While Grocery Shopping" - 1 Update

"Costly Mistakes People Make While Grocery Shopping"

Lenona <lenona321@yahoo.com>: Aug 11 09:01AM -0700 There are 43 slides. A lot of the tips involve apps, which I don't have, since my phone isn't set up for that.   https://www.msn.com/en-us/money/other/costly-mistakes-people-make-while-grocery-shopping/ss-AASvY8d?ocid=mailsignout&li=BBnb7Kz&fullscreen=true#image=1   At any rate, I have to wonder if all these tips would REALLY result, for one adult consumer, in a grocery bill that's lower than $80 per month - or even lower than $90.   (But yes, buying in bulk can be a bad idea if 20% of the food rots.)

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• "McDonald's and Chipotle said low-income customers are spending less, while higher-income consumers are visiting more frequently." - 1 Update

"McDonald's and Chipotle said low-income customers are spending less, while higher-income consumers are visiting more frequently."

gggg gggg <ggggg9271@gmail.com>: Aug 07 12:46PM -0700 https://www.cnbc.com/2022/08/07/consumers-are-cutting-back-on-restaurant-spending-but-ceos-say-not-all-chains-are-affected.html

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• "21 Times Homeowners Associations Were Invasive, Creepy, Annoying, And Downright Out-Of-Control" - 1 Update
• "Warren Buffett says this is the 'biggest mistake' people make with their money (and psst: it has to do with savings)" - 1 Update

"21 Times Homeowners Associations Were Invasive, Creepy, Annoying, And Downright Out-Of-Control"

gggg gggg <ggggg9271@gmail.com>: Aug 05 10:32PM -0700 https://news.yahoo.com/think-just-wanted-waste-time-184502755.html

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"Warren Buffett says this is the 'biggest mistake' people make with their money (and psst: it has to do with savings)"

gggg gggg <ggggg9271@gmail.com>: Aug 05 10:18PM -0700 https://news.yahoo.com/m/8c2830d0-23a0-346c-a535-14e2724c43fd/warren-buffett-says-this-is.html

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