Frugal Living: 20 new messages in 10 topics

Thursday, December 6, 2007

20 new messages in 10 topics - digest

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: Reverse Hiring Bonus: Legal?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/01bee59f170fec8b?hl=en
==============================================================================

== 1 of 4 ==
Date: Wed, Dec 5 2007 6:56 pm
From: Shawn Hirn

In article <E_adnf-_UqvR2cranZ2dnUVZ_jadnZ2d@comcast.com>,
"Lou" <lpogodajr292185@comcast.net> wrote:

> "Shawn Hirn" <srhi@comcast.net> wrote in message
> news:srhi-4B6395.22011404122007@comcast.dca.giganews.com...
> > In article
> > <32c6a717-3e3d-4078-96c6-6fdce6f37093@w56g2000hsf.googlegroups.com>,
> > jdrews88@yahoo.com wrote:
> >
> > > Hello. I have a question that I hope I can receive some feedback on.
> > >
> > > I live in a struggling manufacturing region of the country (few jobs,
> > > high unemployment).
> > >
> > > Since last summer I have been unemployed and pounding the pavement
> > > looking for work. Even minimum wage (no benefit) jobs are scarce where
> > > I live. I'm really at the end of my rope. If I don't get hired for
> > > something soon I don't know what I'm going to do. My savings are
> > > almost gone.
> > >
> > > I've been considering doing something that I would have never
> > > considered in a million years just a short time ago. I know all of you
> > > have heard about hiring bonuses that companies offer new employees.
> > >
> > > I'm thinking of perhaps offering a potential employer an amount of
> > > money so that I can get a job.
> > >
> > > I'm talking about maybe $300.00 or so. This would be a kind of
> > > "reverse hiring bonus" I guess.
> > >
> > > This is not a plan to offer some human resource person a "bribe" to
> > > pick me over the other candidates. I would be offering this money to
> > > the company itself (or small business).
> > >
> > > What do you guys think? This is a serious post and I'm open to all
> > > comments.
> > >
> > > I've always been a good employee at all my other jobs. But I've never
> > > gone thru such a problem in finding work. I don't know what I'll do if
> > > I don't find something soon.
> > >
> > > Is my plan even legal? Could it work for me?
> > >
> > > Even a minimum wage job without benefits would be good.
> > >
> > > It is near Christmas time. I'm sure there is someone out there who
> > > would accept such an offer.
> > >
> > > Thank you all for any replies or insight you can give.
> >
> > I understand that you are desparate for a job, but I doubt this idea
> > would pan out. Hiring someone is a major commitment. I seriously doubt
> > $300 would make all that big a difference to a company who could afford
> > to hire you. What might be better is to offer to work for free for a
> > week at a place where they might be tempted to hire you, but aren't
> > ready to make the commitment. Another option to consider is to move to
> > an area where jobs are available.
>
> It's not legal to work for free - federal and state minimum wage laws apply.

Nonsense. Those laws refer to wage earners. A volunteer would be exempt.

== 2 of 4 ==
Date: Wed, Dec 5 2007 7:21 pm
From: George Grapman

Shawn Hirn wrote:
> In article <E_adnf-_UqvR2cranZ2dnUVZ_jadnZ2d@comcast.com>,
> "Lou" <lpogodajr292185@comcast.net> wrote:
>
>> "Shawn Hirn" <srhi@comcast.net> wrote in message
>> news:srhi-4B6395.22011404122007@comcast.dca.giganews.com...
>>> In article
>>> <32c6a717-3e3d-4078-96c6-6fdce6f37093@w56g2000hsf.googlegroups.com>,
>>> jdrews88@yahoo.com wrote:
>>>
>>>> Hello. I have a question that I hope I can receive some feedback on.
>>>>
>>>> I live in a struggling manufacturing region of the country (few jobs,
>>>> high unemployment).
>>>>
>>>> Since last summer I have been unemployed and pounding the pavement
>>>> looking for work. Even minimum wage (no benefit) jobs are scarce where
>>>> I live. I'm really at the end of my rope. If I don't get hired for
>>>> something soon I don't know what I'm going to do. My savings are
>>>> almost gone.
>>>>
>>>> I've been considering doing something that I would have never
>>>> considered in a million years just a short time ago. I know all of you
>>>> have heard about hiring bonuses that companies offer new employees.
>>>>
>>>> I'm thinking of perhaps offering a potential employer an amount of
>>>> money so that I can get a job.
>>>>
>>>> I'm talking about maybe $300.00 or so. This would be a kind of
>>>> "reverse hiring bonus" I guess.
>>>>
>>>> This is not a plan to offer some human resource person a "bribe" to
>>>> pick me over the other candidates. I would be offering this money to
>>>> the company itself (or small business).
>>>>
>>>> What do you guys think? This is a serious post and I'm open to all
>>>> comments.
>>>>
>>>> I've always been a good employee at all my other jobs. But I've never
>>>> gone thru such a problem in finding work. I don't know what I'll do if
>>>> I don't find something soon.
>>>>
>>>> Is my plan even legal? Could it work for me?
>>>>
>>>> Even a minimum wage job without benefits would be good.
>>>>
>>>> It is near Christmas time. I'm sure there is someone out there who
>>>> would accept such an offer.
>>>>
>>>> Thank you all for any replies or insight you can give.
>>> I understand that you are desparate for a job, but I doubt this idea
>>> would pan out. Hiring someone is a major commitment. I seriously doubt
>>> $300 would make all that big a difference to a company who could afford
>>> to hire you. What might be better is to offer to work for free for a
>>> week at a place where they might be tempted to hire you, but aren't
>>> ready to make the commitment. Another option to consider is to move to
>>> an area where jobs are available.
>> It's not legal to work for free - federal and state minimum wage laws apply.
>
> Nonsense. Those laws refer to wage earners. A volunteer would be exempt.
Generally the law only recognizes volunteers performing for a
non-profit group.

== 3 of 4 ==
Date: Wed, Dec 5 2007 7:23 pm
From: Logan Shaw

jdrews88@yahoo.com wrote:
> I live in a struggling manufacturing region of the country (few jobs,
> high unemployment).
>
> Since last summer I have been unemployed and pounding the pavement
> looking for work. Even minimum wage (no benefit) jobs are scarce where
> I live. I'm really at the end of my rope. If I don't get hired for
> something soon I don't know what I'm going to do. My savings are
> almost gone.

I know this is probably not what you want to hear, but I would move.

The job market is pretty good right now. It's not a boom precisely,
but it's relatively easy to get a job as far as I can tell. I am the
last person who ever wants to move for a job (done it and didn't like
it), and life is not all about money, but I personally think you have
to ask yourself whether it's really worth it to stay if it is making
life that difficult. Do you love that part of the country enough that
it is worth it to you to be stressed out and desperate for even a
minimum-wage job, when in other areas, you could maybe have your choice
of jobs that pay considerably more?

I'm thinking if you are now considering things that, like you said,
you wouldn't have ever considered before, then maybe you should
consider moving. Or even a long-distance commute. With the wage
differences you're talking about, it might even be feasible to work
in some other city 5 days a week and rent an apartment or a room there.

- Logan

== 4 of 4 ==
Date: Wed, Dec 5 2007 7:38 pm
From: George Grapman

P.S. Regarding the "desperate" part. My company is looking for some
part times and I sometimes scan the craigslist resumes. Anything with
"desperate" or" will do anything" are never even opened.

When I do open messages I never reply to someones who description of a
job uses more words than the Constitution uses describe the powers and
duties of the president or has wording like "interfaced between middle
and upper management" (tells me you did the coffee run) .

==============================================================================
TOPIC: OT: donation scams over the phone
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cdf391d3cf5faa6c?hl=en
==============================================================================

== 1 of 2 ==
Date: Wed, Dec 5 2007 7:00 pm
From: Logan Shaw

Chloe wrote:
> Like you, though, our household gets far fewer of these calls than we did
> before the federal legislation. The worst problem seems to be the exception
> for companies you currently do business with, or have ever done business
> with.

Minor point, but I think it's *supposed* to be businesses you've done
business with in the last year. Or maybe 6 months. Not ever, in the
whole time you've been alive.

> Like the local newspaper with the repetitive calls trying to get me to
> subscribe, when I already do. I wish people could opt out of those calls,
> too.

That sounds annoying. I'd be tempted to keep a pad of paper next to the
phone, and when they call, say, "I already subscribe. I'm keeping a pad
of paper next to the phone and making a note of how many times you call me
asking me to subscribe even though I already do. When it gets to 5 calls,
I'm going to cancel my subscription. Can I have your name so I can add
it to the list of names I'll give them when they ask why I'm canceling?"

It's a tad bit snarky, but sometimes you have to get that way with big
corps if you want any results, sadly.

- Logan

== 2 of 2 ==
Date: Wed, Dec 5 2007 7:31 pm
From: George Grapman

Logan Shaw wrote:
> Chloe wrote:
>> Like you, though, our household gets far fewer of these calls than we
>> did before the federal legislation. The worst problem seems to be the
>> exception for companies you currently do business with, or have ever
>> done business with.
>
> Minor point, but I think it's *supposed* to be businesses you've done
> business with in the last year. Or maybe 6 months. Not ever, in the
> whole time you've been alive.
>
>> Like the local newspaper with the repetitive calls trying to get me to
>> subscribe, when I already do. I wish people could opt out of those
>> calls, too.
>
> That sounds annoying. I'd be tempted to keep a pad of paper next to the
> phone, and when they call, say, "I already subscribe. I'm keeping a pad
> of paper next to the phone and making a note of how many times you call me
> asking me to subscribe even though I already do. When it gets to 5 calls,
> I'm going to cancel my subscription. Can I have your name so I can add
> it to the list of names I'll give them when they ask why I'm canceling?"
>
> It's a tad bit snarky, but sometimes you have to get that way with big
> corps if you want any results, sadly.
>
> - Logan

Although companies that you have done business with over , I think,
six months are exempt the law requires them to abide by your wishes if
you ask to be placed on their own list. Failure to comply means they
broke the law.
Long before that law took effect the local daily was calling me
almost every night.I called their circulation manager who claimed he was
powerless because the firms were outside contractors. The next time I
got a call I gave them the name and direct line of the circulation guy
and said he was the one who made decisions in my household. A few
minutes later called asking why I gave out his office number. I
replied," because I do not have your home phone". The calls stopped.

==============================================================================
TOPIC: switching batteries to extend life
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/442ce6fdfe066f9e?hl=en
==============================================================================

== 1 of 4 ==
Date: Wed, Dec 5 2007 7:01 pm
From: Brian Elfert

gheston@hiwaay.net (Gary Heston) writes:

>I'm in agreement with the other poster--if you're a heavy user of batteries,
>get rechargables. Lithium-Ion work well, and will pay for themselves many
>times over.

Is anyone making lithium-ion rechargable batteries in AA yet? Energizer
makes lithium batteries in AA, but they are specifically not rechargeable.

I've been told Lithium-Ion rechargables can't be made small enough for AA.

== 2 of 4 ==
Date: Wed, Dec 5 2007 8:09 pm
From: Anthony Matonak

Brian Elfert wrote:
...
> Is anyone making lithium-ion rechargable batteries in AA yet? Energizer
> makes lithium batteries in AA, but they are specifically not rechargeable.
>
> I've been told Lithium-Ion rechargables can't be made small enough for AA.

The issue is that Lithium batteries are 3+ Volts while AA batteries
are 1.5 Volts (more or less). You'll see rechargeable lithium batteries
that are designed to replace two AA cells (usually side by side) used
in many digital cameras but none to replace a single AA cell.

Anthony

== 3 of 4 ==
Date: Wed, Dec 5 2007 8:30 pm
From: Jeff

johngood_____ wrote:
> Recently i bought a 3 Watt LED torch (flashlight) and it takes two AA sized
> batteries in series. (i.e. both in line with each other with the + end of
> one touching the - ve end of the other).
>
> Now 'one' battery always runs down much faster than the other ( the one
> nearest the bulb end). Why is that?

Nobody knows.

The both deliver the same amount of current.

Now, I would think 3 watts is a lot of power out of a set of AA
batteries, and would imagine the battery closer to the LED *could* be
hotter because the LED is shedding a lot of heat. A hotter battery
generally has a higher capacity than a cooler one though...

Why don't you load some NiMH rechargeables in it, I'll bet battery
life will be much longer and you'll save some money if you run that
flashlight much...

<URL: http://www.bushwalking.org.au/FAQ/FAQ_Batteries.htm />

If you go to the battery manufacturers' WWW sites (energizer.com for
instance) and look up the technical data on batteries, you will find
that alkaline batteries have vastly different energy content depending
upon the drain to which they're subjected. By 'vastly', I mean 3:1 or
more, getting worse and worse as the drain goes up. Alkalines are also
more temperature sensitive than lithium cells. Part of this has to do
with the internal impedance (resistance) of the battery, part to do with
the chemistry. That's why alkalines are absolutely worthless in
high-drain applications like digital cameras but work great in
relatively low-drain applications like LED headlamps, Walkman radios
(not CD players), etc.

Jeff
>
> Also is there a way to replace the batteries to get the *maximum frugal*
> life from them. For instance always putting the best or worst up at the bulb
> end, when i ditch one and replace with a new one? Thanks
>
>

== 4 of 4 ==
Date: Wed, Dec 5 2007 8:34 pm
From: gheston@hiwaay.net (Gary Heston)

In article <13lepg2ogt4mq2c@corp.supernews.com>,
Brian Elfert <belfert@visi.com> wrote:
>gheston@hiwaay.net (Gary Heston) writes:

>>I'm in agreement with the other poster--if you're a heavy user of batteries,
>>get rechargables. Lithium-Ion work well, and will pay for themselves many
>>times over.

>Is anyone making lithium-ion rechargable batteries in AA yet? Energizer
>makes lithium batteries in AA, but they are specifically not rechargeable.

>I've been told Lithium-Ion rechargables can't be made small enough for AA.

Perhaps Ni-MH would be a better choice:

http://www.softwareandstuff.com/CES10220.html

looks reasonable.

Gary

--
Gary Heston gheston@hiwaay.net

http://www.thebreastcancersite.com/

Yoko Onos' former driver tried to extort $2M from her, threating to
"release embarassing recordings...". What, he has a copy of her album?

==============================================================================
TOPIC: Renting VS Buying Homes
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/37be5c6af5aee907?hl=en
==============================================================================

== 1 of 3 ==
Date: Wed, Dec 5 2007 7:11 pm
From: Gordon

clams casino <PeterGriffin@drunkin-clam.com> wrote in news:AZb5j.2098
$su4.158@newsfe14.lga:

>>2) Taxes. rent is not tax deductable. Mortgage intrest is.
>>
>>
>
> Only useful when it exceeds the standard deduction. Fewer and fewer
> are qualifying for the long form.
>

1) You don't have to "Qualify" to use the long form.
2) There are other deductions you can take on the long form.
Mortgage intrest alone does not have to exceed the standard
deduction.

== 2 of 3 ==
Date: Wed, Dec 5 2007 7:42 pm
From: Gordon

clams casino <PeterGriffin@drunkin-clam.com> wrote in news:AZb5j.2098
$su4.158@newsfe14.lga:

>>1) Apprieciation. The value of your home will increase over time.
>>Current market dynamics excepted, there will be the occasional
>>downturn. But in the long run the trend will be up.
>>
>>
>
> As others have shown, homes appreciate about 4-5% over the long haul,
> but the same dollars have historically appreciated 9-10% with stocks.

So instead of making a monthly house payment I should be investing
that in stocks?? Then what?? Am I supposed to live out on the street??

So let's assume that I have divert some of my income toward a houes
or rent payment. Renting appreciates 0%. In fact, as a renter I
wouldn't participate in the appreciation of the property at all.

Compared to that, the 4-5% increase in housing actually looks good.

>
>>2) Taxes. rent is not tax deductable. Mortgage intrest is.
>>
>>
>
> Only useful when it exceeds the standard deduction. Fewer and fewer
> are qualifying for the long form.

Answered that in another post.

>
>>3) Equity building. As you pay down the mortgage and the value
>>of your home increases, you get build up equity in your home.
>>This is money that you get when you eventually sell (or take out
>>a home equity loan). This equity becomes the down payment on the
>>next house, letting you buy into bigger and larger properties
>>without creating a large monthly payment.
>>
>>
>
> Can be saved elsewhere with higher returns.

Yes, but see my first response. I have to spend some of my
income on a housing payment. Rent is money gone, never to be
seen again. But a mortgage payment reduces the ammount I owe
to the bank. When I sell the house I get the difference between
what the house is worth and what I owe (minus the closing costs).

>
>>4) Payment stability. (unless you buy an ARM with a teaser rate).
>>your monthly payment will not rise from year to year, while rents
>>will.
>>
>>
>
> Finally an advantage, but you also need to factor in maintenance for a
> home vs. care free living when one rents.
>
A bogus assertion. The landlord has factored in the maintenance costs
for the property and includes that in the rent. Since most landlords
are not in the business of losing money, your rent includes taxes,
insurance, and maintenance costs.

== 3 of 3 ==
Date: Wed, Dec 5 2007 7:49 pm
From: Gordon

Dennis <dgw80@hotmail.com> wrote in
news:ksdel3126d2sqpr7vfi6n8k8j29efnag5m@4ax.com:

> On Wed, 05 Dec 2007 15:46:28 -0500, clams casino
> <PeterGriffin@drunkin-clam.com> wrote:
>
>>A significant portion of a landlord's profit is from their tax
>>deductions (essentially subsidies). Many renters would never qualify
>>for any of these deductions if they owned a comparable 1200 ft2 home /
>>condo. In some respect, much of the landlord's profit likely actually
>>comes from tax payers rather than the renter.
>
> A landlord gets to subtract his expenses from gross receipts to arrive
> at taxable income, just like any other business. Hardly a subsidy.
>
> Dennis (evil)

He's refering to depreciation. It's not an expense.
Unfortuantly it cuts both ways. And certianly is not a subsidy.
Depretiation reduces the tax basis on a property. Thereby
increaseing the capital gains taxes that are owed when the
property is sold.

==============================================================================
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d710dbcebc0dbef8?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Dec 5 2007 7:56 pm
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==============================================================================
TOPIC: Men and women needed for research study
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b0bffda7e724b091?hl=en
==============================================================================

== 1 of 2 ==
Date: Wed, Dec 5 2007 8:12 pm
From: Anthony Matonak

lkerryy@gmail.com wrote:
> This is a research study about menstruation. People of all ages may
> participate in this study. This questionnaire will only take a few
> minutes to complete and it's anonymous. All results will be
> appreciated.

Are you sure you need Men for this study?

Anthony

== 2 of 2 ==
Date: Wed, Dec 5 2007 8:15 pm
From: George Grapman

Anthony Matonak wrote:
> lkerryy@gmail.com wrote:
>> This is a research study about menstruation. People of all ages may
>> participate in this study. This questionnaire will only take a few
>> minutes to complete and it's anonymous. All results will be
>> appreciated.
>
> Are you sure you need Men for this study?
>
> Anthony
we know that legitimate researchers always post from gmail.

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TOPIC: "Golden" showers save water.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/17f1ab729164e243?hl=en
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== 1 of 1 ==
Date: Wed, Dec 5 2007 8:24 pm
From: A Veteran

you do want to save water ,don't you?

--
when you believe the only tool you have is a hammer.
All problems look like nails.

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TOPIC: the Dali Lama advises one to..
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f266670bdb3068af?hl=en
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== 1 of 1 ==
Date: Wed, Dec 5 2007 8:42 pm
From: A Veteran

Live a good honorable like, then when you get older and think back,
you'll be able to enjoy it a second time.

--
when you believe the only tool you have is a hammer.
All problems look like nails.

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TOPIC: Canned Mackerel
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f049abff31c44b3a?hl=en
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== 1 of 1 ==
Date: Wed, Dec 5 2007 10:48 pm
From: PaPaPeng

On Thu, 6 Dec 2007 08:15:30 +1100, "Rod Speed"
<rod.speed.aaa@gmail.com> wrote:

>> you are not even in the game any more.
>
>How odd that there are almost no chinese involved in our mining industry,
>which just happens to produce a positive balance of trade in OUR favour
>with both china and japan, something neither canada or america can manage.

Patience Rod, patience. Rome wasn't built in a day. Oil and gas has
priority. The game is global in which Ozzieland is a side show.
There is no grand scheme from the evil empire to take over the world.
They aren't that smart. But much will happen anyway. Remember that
famous quote from Napoleon.

==============================================================================
TOPIC: SEX PACKISTAN SEX VIDEO MASALA FREE

http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/91a4f087dcf84139?hl=en
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== 1 of 1 ==
Date: Wed, Dec 5 2007 11:09 pm
From: h

~ 1 PACKISTAN MASALA SEX VIDEO 1

~ 1 PACKISTAN MASALA SEX VIDEO
http://jumanose.blogspot.com/

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Thursday, December 6, 2007

20 new messages in 10 topics - digest

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