Saturday, September 29, 2007

25 new messages in 18 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:

* Free 7-Day Supply of Coffee-Mate - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e1459843c032723d?hl=en
* Free Arabic Bible Book - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/57d28dd0a3f59a49?hl=en
* Free New Believer's Bible - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a2b37c3e031fdd69?hl=en
* Disney Mobile calls it Quits - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/db605ad0907838b0?hl=en
* Crowd cheers as Tancredo blasts illegal -- and legal -- immigration in U.S. -
4 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/defc6d96c0bb0533?hl=en
* Cheap/free dining on your birthday - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/48b6d8a6b225456a?hl=en
* What (rodent?) did this??? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6860ccc82111612e?hl=en
* An Allentown house - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a111237f5724e25?hl=en
* Loan website has been uploaded - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c33a5f7f21b9a501?hl=en
* Free Pantene PRO-V Color Expressions Shampoo Sample! - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e19750c5b3575215?hl=en
* How Marketing Manipulates You - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2d9db3821c2b5972?hl=en
* Steps to Stop ID Theft - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/65de15d8749bb944?hl=en
* Free Virtual Hairstyles - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/22eb14ca3d6a82b9?hl=en
* Are you Waiting for Google Smart Phone - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6d56456586631245?hl=en
* FREE HEALTH CARE QUOTE - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4215d497b4a967ce?hl=en
* Regaining lost money per cutting back? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ca7f020e84a4c00b?hl=en
* The loan website is uploaded - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7db052d26104a480?hl=en
* accept paypal [c h e a p e s t s e l l ] the web url had been change www.
cheapest-sell.net or.com and .cn,please chose the web which you like( our
company wholesales jordan shoes,air max,AF1,bape hoodie,gucci,parada,lv,evisu)
- 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b58b75bc6902142f?hl=en

==============================================================================
TOPIC: Free 7-Day Supply of Coffee-Mate
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e1459843c032723d?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 4:57 am
From: "TheBestFreebies.com"


Enhance your coffee-drinking experience. It won't cost you a dime. Sign up now
to receive a coupon for free Coffee-Mate (a $3.99 value) and discover for
yourself why Coffee-Mate is coffee's perfect mate.

--
The Best Freebies
All freebies are available at http://TheBestFreebies.com


==============================================================================
TOPIC: Free Arabic Bible Book
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/57d28dd0a3f59a49?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 5:05 am
From: "TheBestFreebies.com"


Receive a free New Testament Arabic Bible Book. Allow 10-12 weeks for delivery.

--
The Best Freebies
All freebies are available at http://TheBestFreebies.com


==============================================================================
TOPIC: Free New Believer's Bible
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a2b37c3e031fdd69?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 5:14 am
From: "TheBestFreebies.com"


Receive a free copy of the New Believer's New Testament Bible in
easy-to-understand English with notes by Pastor Greg Laurie. You
will receive this, along with other materials, to help you grow
in your relationship with Christ. (NLT, Softcover)

--
The Best Freebies
All freebies are available at http://TheBestFreebies.com


==============================================================================
TOPIC: Disney Mobile calls it Quits
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/db605ad0907838b0?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 5:46 am
From: zeez


On Sep 28, 10:45 am, Larry <no...@home.com> wrote:
> SMS <scharf.ste...@geemail.com> wrote innews:46fc7353$0$27199$742ec2ed@news.sonic.net:
>
> >http://www.thestreet.com/s/signal-fades-for-disney-mobile/newsanalysis/
> > techtelecom/10381822.html?puc=googlefi
>
> Of much greater interest from the webpage is the one on Vonage's demise:http://www.thestreet.com/s/vonages-vanishing-
> act/newsanalysis/techtelecom/10381531.html?
>
> They're TOAST! My condolences to Vonage users stuck with useless equipment
> once the company goes dark.
>

Which ultimately ends up in a land fill along with the toxic metals
and materials it contains :\


==============================================================================
TOPIC: Crowd cheers as Tancredo blasts illegal -- and legal -- immigration in
U.S.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/defc6d96c0bb0533?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Sep 29 2007 6:00 am
From: BTR1701


In article <KykLi.884$6Y5.271@trnddc07>,
"Bill Walker" <bill.walker2@verizon.net> wrote:

> "William December Starr" <wdstarr@panix.com> wrote in message
> news:fdkhvn$mff$1@panix3.panix.com...
> > In article <VhcKi.3758$Wo4.906@trnddc03>,
> > "Bill Walker" <bill.walker2@verizon.net> said:
> >
> >> I have to admit to being sadly disappointed in this crop of
> >> Democrat leaders that are running our Party, though.. They are
> >> certainly not doing the job they were elected to do, last year..
> >
> > To a large extent they can't. These days you need _sixty_ votes in
> > the Senate to accomplish anything, not just fifty-one. And that's
> > just to _pass_ legislation -- if there's a veto then of course it
> > takes 2/3 of each house to override it.
>
> Leadership.. that's the clue.. When we've got genuine leadership
> instead of a bunch of apologists, we'll see some movement rather
> than hearing all the excuses coming out of Washington..
>
> When Pelosi publicly took impeachment off the table .. that was
> the first clue that Americans had been bamboozled, again..

LOL! You Bushwhore...

== 2 of 4 ==
Date: Sat, Sep 29 2007 6:51 am
From: tomcervo


On Sep 25, 9:02?pm, BTR1701 <btr1...@ix.netcom.com> wrote:
> Republican, Democrats, just two sides of the same tarnished coin.

Libertarian?
Tell me, do you do that with one hand or two?

== 3 of 4 ==
Date: Sat, Sep 29 2007 7:30 am
From: "Bill Walker"

"BTR1701" <btr1702@ix.netcom.com> wrote in message
news:btr1702-7DCBFC.09000929092007@news.giganews.com...
> In article <KykLi.884$6Y5.271@trnddc07>,
> "Bill Walker" <bill.walker2@verizon.net> wrote:
>
>> "William December Starr" <wdstarr@panix.com> wrote in message
>> news:fdkhvn$mff$1@panix3.panix.com...
>> > In article <VhcKi.3758$Wo4.906@trnddc03>,
>> > "Bill Walker" <bill.walker2@verizon.net> said:
>> >
>> >> I have to admit to being sadly disappointed in this crop of
>> >> Democrat leaders that are running our Party, though.. They are
>> >> certainly not doing the job they were elected to do, last year..
>> >
>> > To a large extent they can't. These days you need _sixty_ votes in
>> > the Senate to accomplish anything, not just fifty-one. And that's
>> > just to _pass_ legislation -- if there's a veto then of course it
>> > takes 2/3 of each house to override it.
>>
>> Leadership.. that's the clue.. When we've got genuine leadership
>> instead of a bunch of apologists, we'll see some movement rather
>> than hearing all the excuses coming out of Washington..
>>
>> When Pelosi publicly took impeachment off the table .. that was
>> the first clue that Americans had been bamboozled, again..
>
> LOL! You Bushwhore...

You must be very new around here.. <chuckle>


== 4 of 4 ==
Date: Sat, Sep 29 2007 11:24 am
From: Thanatos


In article <1191073907.471632.151430@g4g2000hsf.googlegroups.com>,
tomcervo <tomcervo@aol.com> wrote:

> On Sep 25, 9:02?pm, BTR1701 <btr1...@ix.netcom.com> wrote:

> > Republican, Democrats, just two sides of the same
> > tarnished coin.
>
> Libertarian?
> Tell me, do you do that with one hand or two?

Ah, so if one doesn't choose to align themselves with either of
big-money corrupt-a-thon political parties, they should be insulted and
denigrated?

Interesting...


==============================================================================
TOPIC: Cheap/free dining on your birthday
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/48b6d8a6b225456a?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 6:43 am
From: FluorideFreeMN


Just having had a birthday a couple weeks ago, I hunted for some free
stuff around the net.

If you are already familiar with the site, I apologize (just found and
joined this group today).

Go to http://www.birthdayfreebies.com/ and enter your state. I didn't
pay as much attention to the search results as the sponsored links to
the right hand side of the page. It listed probably 12 different
restaurants and links to their various birthday clubs.

Needless to say, I enjoyed a DQ Blizzard, a Cold Stone Creamery
dessert, $10 off at Timberlodge, and some Red Lobster freebies as well.


==============================================================================
TOPIC: What (rodent?) did this???
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6860ccc82111612e?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 6:54 am
From: Gene S. Berkowitz


In article <1191035924.408023.10800@y42g2000hsy.googlegroups.com>,
condor_222@yahoo.com says...
> Hello,
>
> Recently I found something odd had happened to
> the anttraps in my finished basement. The traps
> were under the hot water radiator pipes.
>
>
> You can see some pictures I took here:
>
> http://www.geocities.com/condor_222/anttrap/
>
> http://www.geocities.com/condor_222/anttrap/dsc_2289.jpg
> http://www.geocities.com/condor_222/anttrap/dsc_2290.jpg
> http://www.geocities.com/condor_222/anttrap/dsc_2291.jpg
> http://www.geocities.com/condor_222/anttrap/dsc_2292.jpg
> - as I found them
>
>
> http://www.geocities.com/condor_222/anttrap/dsc_2293.jpg
> http://www.geocities.com/condor_222/anttrap/dsc_2294.jpg
> - One corner was chewed out on each of the traps
>
>
> http://www.geocities.com/condor_222/anttrap/dsc_2296.jpg
> - there were lots of pieces of plastic remaining.
> - note the size and round shape.
>
>
> I thought this was really odd. What would be going for
> an ant trap? What would chew out the corners, and leave
> pieces the shape of crescent moons? A snake?
>
>
> Any ideas??

Mice. Ant traps typically use sugar as bait mixed with boric acid or
something nastier. Like all rodents, mice need to chew to keep their
incisors from getting too long.

--Gene


==============================================================================
TOPIC: An Allentown house
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a111237f5724e25?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 7:04 am
From: nicksanspam@ece.villanova.edu


>The radiator and its fans could be at the top of a vertical duct that
>returns sunspace air to the lower sunspace without mixing with room air.
>On cloudy days, pump water up through the radiator to warm the house...

Air might flow as below, with no room air fan, just the 2 radiator fans
in series and an upper motorized sdamper, hinged at the bottom, with
a windshield wiper motor with limit switches that opens inwards up to 90
degrees (moving counterclockwise) to block room airflow in the horizontal
position, like this, viewed in a fixed font:

top 2' top
---------------------------- -----------
| r motor s. | | |
| a <--> d. | | |
| fd a. | | |
| <== ai <== m. 2' | | sdamper | 2'
| na p. | | |
| st e. | | |
| o 2' r. s | | (sdamper) |
| r-........-| u | |-----------|
| | ^ | n | s | ^ | cool
| | | | s | o | | | room
| | cool room| p | u 20' | --- | air east
| | air inlet| a | t | | inlet
| ----------| c | h |-----------|
| | e | | |
| | | | |
. .s | | |
. sunspace .d | | |
. air .a ^ | | |
.<== warm room ==> .m | | | sdamper |
. air outlet .p | | | |
. .e | | |
. .r | | |
---------------------------- -----------

cool room 12'
air inlet
| Drawing not to scale.
v
----------------------------
| r top s|s |
| fa view d|d |
| d a|a |
| <== ai <== m|m 4' | 12' south
| a p|p |
| nt e|e |
| o r|r |
----------r------------------
west
Modes:

1. To heat the tank, pull sunspace air through the radiator with its fans
and return it to the sunspace below, with the motorized sdamper horizontal
and Grainger's 4PC93 pump on if the tank is less than 140 F and the sunspace
is warmer than the tank. A lower one-way lightweight vertical plastic film
convection sdamper opens over a hardware cloth grate when the fan runs and
prevents reverse sunspace thermosyphoning at night.

2. To heat the house, pull room air through the radiator and back into
the room via the lower room air grate, with the upper sdamper horizontal
and the pump off if the sunspace is warmer than the room, and the upper
sdamper vertical and the pump on if the sunspace is colder.

3. To do both, alternate modes 1 and 2, moving the damper slowly, with
full action in about 5 minutes at a 1% PWM duty cycle. At full speed,
our '97 Ford Taurus wiper motor opened a 1' damper with a 3" pulley in
about 3 seconds. We put a 10 ohm resistor in series to reduce coasting.

house tank sunspace
<70? <140? >70? >tank? | damper fans pump notes
--------------------------------------------------------------------------
0 0 - - | up off off default
0 1 1 1 | down on on heat tank
1 0 0 - | up on on heat house with tank
1 0 1 - | down on off heat house with sunspace
1 1 1 1 | down on on heat house and tank

The room air temp might be 70 F during the day and 60 at night, with
a setback thermostat. The damper motor circuit might look like this,
with the damper normally down:

+12 --------------------------------------
| |
- opens when up, - opens when down,
| to limit travel | to limit travel
| |
| |
x close to raise - open to raise
| |
| lower |
| <------ |
| ----- |
|--------------|motor|-------------|
| ----- |
| |
| |
- open to raise x close to raise
| |
| |
| |
|--------------------------------------
--
The damper might look like this, in a fixed font: / \
/|motor&|
/ |pulley|
/ \ /
/ | -- |
-----------------------------------------------------------------
| . / |
| . / o|
| . / \
| . / |-
| r . / |s| upper limit
| . / f| | roller leaf
F | . / e|s| switch
| a . / l|-
| . / t|
| . / |
| d . / (up) |
| . <== / | <-- sunspace
A | . / | air
| i . / |
| . / | ~2'
| . / h |
| a . / i |
| . / n |
N | . / g |
| t . | (down) strape |
| . ---------------------------------------- |
| .| 1/2" plywood | |
| o .|----------------------------------------| |
| .| | |
S | .| 2" foil-polyiso board | |
| r .| | |
| .|----------------------------------------| |
| .| 1/2" plywood | |
| . ---------------------------------------- |
| . |
| . ~~~~~~~~~~~felt weatherstripping~o~~~~~~~~|
---------------------------------------\---------------------
^ |s s|
| ---- lower limit
room air roller leaf switch
Nick


==============================================================================
TOPIC: Loan website has been uploaded
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c33a5f7f21b9a501?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Sep 29 2007 7:09 am
From: e922nmwt


hi al,
the loan website has been uploaded to www.loans-website.com
thanks
Louis

== 2 of 2 ==
Date: Sat, Sep 29 2007 7:48 am
From: ejn14ls6


hi al,
the loan website has been uploaded to www.loans-website.com
thanks
Louis


==============================================================================
TOPIC: Free Pantene PRO-V Color Expressions Shampoo Sample!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e19750c5b3575215?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Sep 29 2007 7:39 am
From: eHDMI


Free Pantene PRO-V Color Expressions Shampoo Sample!

Pantene is by far my favorite shampoo! Now you can get a Free Sample!
http://www.FreebiesPl.us/?p=108


==============================================================================
TOPIC: How Marketing Manipulates You
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2d9db3821c2b5972?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Sep 29 2007 8:36 am
From: Too_Many_Tools


Here is an example of how marketing will try to manipulate you to buy.

And when buying an used car overwhelmingly is a better deal in almost
all cases, the article chips away at that fact to push you into buying
new.

TMT


Motley Fool
When a New Car Beats a Used Car
Tuesday August 7, 10:10 am ET

By Mary Dalrymple


You've probably heard the maxim of car-buying, which warns you that a
new vehicle will lose 20% to 30% of its value the moment it's driven
off the dealer's lot. Beware the heady and intoxicating perfume of new
car smell, all ye car-crazy Fools. You'll end up with a sorry hangover
dragging down your bank account.
Well, rules were meant to be broken, right? Even this rule of car
depreciation doesn't always hold true when you look more closely at
reality. Both buyers and sellers need to get specific about vehicle
depreciation. Let's start with buyers.

A guaranteed money-loser
All car buyers should first remember that a car isn't an investment.
It won't appreciate in value and leave a Fool richer than when he or
she started. That's why personal finance columnists, myself included,
often equate new vehicles and car loans with moldy old cheese. They
stink.

Even though cars, trucks, and monster SUVs tend to lose a lot of value
during their first few years, some lose that value faster than others.
In fact, a few hardly lose much value at all. If you've tried shopping
for a hybrid, or an especially trendy car, you've probably found out
that a used car won't be the bargain you had hoped.

As an experiment, I took a look at some typical cars from
DaimlerChrysler (NYSE: DCX - News), Toyota (NYSE: TM - News), and
Honda (NYSE: HMC - News) to see how prices fell as you go back several
model years. I used the Kelley Blue Book, but there are plenty of
other resources you can use, including the Edmunds website, Internet
sites like eBay Motors or Cars.com, or even just patrolling local used
car lots and private-party ads to get a better feel for the market in
your neighborhood.

What's hot, what's not
The first vehicle I looked at was a kid-friendly Dodge Grand Caravan.
The price of a 2008 model starts at $22,470, according to the
company's website. Kelley Blue Book says I can find a 2006 Grand
Caravan in excellent condition with standard features selling for
about $16,345 at my local used car dealership.

While I'm sure a 2008 will have some extra bells and whistles that
won't appear on the 2006 used car, the comparison suggests I can save
over $6,000 just by buying a slightly used minivan.

Not so, however, if you're looking for something, say, smaller and
greener. You won't find such bargains when shopping for a Toyota Prius
or a Honda Civic Hybrid. A new Prius starts at $22,175. A 2006 Prius
in excellent condition, according to Kelley Blue Book, might carry a
retail value of $22,570.

Yep, you read that correctly. The used hybrid retails for just as much
as a new one. That's a major drawback of shopping for a scarce or a
popular car. You just won't find the same bargains by shopping used.

The fuzzy math of taxes
Let's make the math even trickier. What happens when you factor in
other things, like the hybrid car tax credit? That can knock a sizable
chunk of change off the purchase of certain new hybrids, but it's not
available for used cars. Or, what if you get special financing for a
new car, which narrows the cost gap between a new and a slightly used
one?

These factors may make it worth your time and money to consider buying
new. For the same price, or just a tiny bit more, you'll get a brand-
new vehicle with all the bells and whistles you want. Or, it may be
time to reconsider whether you need that trendy Mini Cooper after all.

Buyers aren't the only ones who should ponder the nature of
depreciation. Sellers should take a moment for reflection, too.

Fool contributor Mary Dalrymple does not own stock in any company
mentioned in this article. She welcomes your feedback. The Motley Fool
disclosure policy drives a convertible.

== 2 of 2 ==
Date: Sat, Sep 29 2007 10:40 am
From: Logan Shaw


Too_Many_Tools wrote:
> Here is an example of how marketing will try to manipulate you to buy.
>
> And when buying an used car overwhelmingly is a better deal in almost
> all cases, the article chips away at that fact to push you into buying
> new.

I don't think the writer from The Motley Fool is a marketing person trying
to get you to buy a new car rather than a used one. Instead, I think it's
an article about the fact rules have exceptions. In this case, the rule
that buying a late-model used car is a better deal than buying new is the
rule with exceptions.

And, as far as I can tell, it's a bona fide exception. In recent years,
some hybrids have been just as expensive used as they have been new. In
that case, buying used means getting an inferior product for the same price.
Not a good deal, and definitely an exception to the rule.

Of course, when used prices are the same as new, it does make things sound
a little fishy, so what's going on? Well, personally, I think it's a matter
of pricing quirks. Pricing is a complex thing. Think of supply and demand,
but there are also a bunch of other variables, many of them psychological,
that influence prices.

The important thing in this case is that hybrid vehicles were an unexpected
hit for the auto industry. They sold way more than they projected. So, what
happens in the auto industry when a model is in much more demand than projected?

Well, a couple of things. First, the auto industry works in such a way that
the products (cars) almost always sell for less than the price on the sticker.
There is some room for negotiation built in to the sticker price, and
negotiating is the norm. Second, the auto industry is a pretty stable
industry. Automakers stand to lose millions or billions if they introduce
a model that's a flop, so they are pretty conservative with things. They
usually have a pretty good idea in advance how well something is going to
sell.

So, in the auto industry, if a product is in strong demand, the automaker
doesn't need to do all that much to adjust the sticker price. The leeway
that's already built in for negotiating will generally take care of that;
the dealers just get less flexible on how much they'll be talked down.
And because prices are stable, not only do they not need to do much to
the sticker price, but there is also not that much precedent for it.
Automakers will adjust the sticker price by $500 or even $1000 sometimes
during the course of a model-year, but not much more than that.

The net result, I think, is that the demand went up but the prices stayed
the same. And since the demand went up, the actual selling price rose.
And since the demand went up spectacularly (by auto industry standards),
the actual selling price rose to the point where it actually matched the
sticker price. And when the sticker price is the actual selling price,
you sell out of the cars. And if you're the auto industry, apparently
you don't respond by raising the sticker price. You just let the cars
get back-ordered. (And maybe you have reasons for doing this, like that
the volume of orders is low and you stand to lose more in public relations
than you gain in profits by raising the prices.)

So what that amounts to is that the sticker price didn't budge (much?),
and the prices on new hybrid cars became artificially low.

But the same did not happen with used hybrid vehicles. The prices there
weren't set by automakers but by individual used car lots. So they were
free to set the price how they wanted. So the prices were not artificially
low on used vehicles.

So basically, the point is this: if prices are artificially low on new
vehicles but aren't artificially low on used ones, then maybe it DOES make
sense to buy a new vehicle.

- Logan


==============================================================================
TOPIC: Steps to Stop ID Theft
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/65de15d8749bb944?hl=en
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== 1 of 2 ==
Date: Sat, Sep 29 2007 9:08 am
From: Joe


If you think your identity has been stolen, take these steps ASAP:

__ Contact the fraud departments of any one of the three major credit
bureaus to place a fraud alert on your credit file. The fraud alert
requests creditors to contact you before opening any new accounts or
making any changes to your existing accounts. (As soon as the credit
bureau confirms your fraud alert, the other two credit bureaus will be
automatically notified to place fraud alerts.)

To read all these steps, please go to or click on:
http://www.contactomagazine.com/articles/stopidtheft0907.htm

== 2 of 2 ==
Date: Sat, Sep 29 2007 9:52 am
From: aice


my blog

very good
http://www.5dx.net


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TOPIC: Free Virtual Hairstyles
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/22eb14ca3d6a82b9?hl=en
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== 1 of 2 ==
Date: Sat, Sep 29 2007 9:43 am
From: "TheBestFreebies.com"


Get a free Virtual Hairstyle. Just upload your photograph, choose a hair style,
print the picture for your hairdresser, or e-mail your new look to a friend.
Dozens of celebrity haircuts!

--
The Best Freebies
All freebies are available at http://TheBestFreebies.com

== 2 of 2 ==
Date: Sat, Sep 29 2007 9:52 am
From: aice


my blog

very good
http://www.5dx.net


==============================================================================
TOPIC: Are you Waiting for Google Smart Phone
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6d56456586631245?hl=en
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== 1 of 1 ==
Date: Sat, Sep 29 2007 9:53 am
From: aice


my blog

very good
http://www.5dx.net


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TOPIC: FREE HEALTH CARE QUOTE
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4215d497b4a967ce?hl=en
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== 1 of 1 ==
Date: Sat, Sep 29 2007 9:55 am
From: DevBasic Marketing Support


We are affiliated with a network of participating insurance
professionals
across the United States. With health care costs going up, you need
to
find cheap medical insurance.

Once you have completed our online form, our system instantly finds
partners who will provide you with the best coverage at best rates.
Get the information you need to make good decisions today.

http://www.illinois.devbasic.com/index.php?option=com_content&task=view&id=38&Itemid=46


==============================================================================
TOPIC: Regaining lost money per cutting back?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ca7f020e84a4c00b?hl=en
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== 1 of 1 ==
Date: Sat, Sep 29 2007 10:17 am
From: difdrummer@webtv.net (Bob Young)


Rick wrote:

"Yeah - that's called "spaving" - spending on deals, markdowns, sales,
closeouts etc. thinking you save money in the process. The trap in
thinking that way is you end up fearing that "X" won't ever be seen for
such a good price again. And you end up buying way too much of "X" just
because it's at a sales price.

One obvious and easy reality check you can do is start marking the
month/year you buy your grocery items on the package. And then see how
long you have that item before you finally use it up. Some things turn
over real fast. But if you find two years later that you still have cans
of tomato products or canned soups in your pantry you marked "03/2005"
it's gonna cause you to think about how much of what you are buying that
you don't end up using in a reasonable time frame.

Adjust your purchasing accordingly. If you keep buying bargain after
bargain just because it's a good price, and the stuff just sits there
beyond expiration dates, you are wasting money buying bargains, not
saving it."
-------------------------
__________________
Thanks Rick. I think you're the only one that understood my situation
and gave me the proper diagnoses: "spaving". I think I am back in
remission now.

I was not in a financial emergency , but mad at myself for the
'spaving'. I did not see the extent of it til about a month later. It
is so easy to fall into...."2 for the price of one", "buy one, get one
FREE." "Rebate if you tear this coupon off" etc. Garage sales, resale
shops etc.

I sort of see it as part of the emotional adjustment period of
being retired only 2 years. I have a working budget and I have an
income that covers that budget and I often save money on my electric
bill certain months and groceries.

But I was spending money like I had a job. And Gawd knows I
would rather starve to death than to go back to work. Not to blame
anyone else, but I had a buddy who was showing me how to save money here
and there. We spent the morning running here and there. Well it all
looked great at the time, but it came back to bite me in the ass later.

I am grateful for what I do have and am happy being retired and I
have always lived a simple life style, so it wasn't like I wanted to
keep up with the Jones. But I have to always keep my 'actual' income
in mind. I created my monthly budget for my Edward Jones folks and they
helped me supplement it with two federal bonds, who pay me so much per
month, so my budget is realistic.

I think part of it was the fun of running around with a friend
too and it seemed so 'harmless' til my chronic flare of 'spaving' hit
me. :)


==============================================================================
TOPIC: The loan website is uploaded
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7db052d26104a480?hl=en
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== 1 of 1 ==
Date: Sat, Sep 29 2007 10:51 am
From: szl5f9v7z4xu8yxeoyd1@gmail.com


Hi, the url is www.loans-website.com
thanks
louis


==============================================================================
TOPIC: accept paypal [c h e a p e s t s e l l ] the web url had been change

www.cheapest-sell.net or.com and .cn,please chose the web which you like( our
company wholesales jordan shoes,air max,AF1,bape hoodie,gucci,parada,lv,evisu)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b58b75bc6902142f?hl=en
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== 1 of 1 ==
Date: Sat, Sep 29 2007 11:26 am
From: cheapestsell


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5.Shoes/Shoes/Shoes/rift/Sports shoes
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our email : cheapests...@yahoo.com.cn
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