Sunday, December 2, 2007

25 new messages in 6 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:

* Living without a credit card - 7 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1543df3db7e868b6?hl=en
* Canned Mackerel - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f049abff31c44b3a?hl=en
* How much do you really save turning down the thermostat? - 6 messages, 3
authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e6b14ffb2d998b9e?hl=en
* more laptop selection help - 7 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/614f763badc82c6b?hl=en
* Christ in Islam - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/06c4482e668dd598?hl=en
* Discount wholesale AF1 Air Max Shoes,LV Bags,T-shirts, Nokia N95 Mobile
Phone, Lacoste Shoes,Gucci Handbags, Ipod Nano,Juicy Purses,Hoody, Jeans, MP3
MP4, GPS - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/097b533f5858accf?hl=en

==============================================================================
TOPIC: Living without a credit card
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1543df3db7e868b6?hl=en
==============================================================================

== 1 of 7 ==
Date: Sun, Dec 2 2007 1:20 pm
From: "Daniel T."


The Etobian <pdcorcoran@myway.com> wrote:
> <daniel_t@earthlink.net> wrote:
> >Neil Jones <castellan2004-atnews@yahoo.com> wrote:
> >
> >> I have problem with credit cards. I flash them for gas, sometimes for
> >> lunch, groceries etc. They are the small ticket items but are
> >> accumulating on my balance. Now that I have accepted that I have a
> >> problem, I want to really wean out of this reliance on credit card.
> >> Please share with me if anyone in this forum had this problem and have
> >> successfully detached from the credit card. The balance is really
> >> stressing me out.
> >
> >The credit card is not the problem, rather it is the fact that you are
> >spending more than you make that is the problem.
> >
> >1) Plan your spending before you spend your money. At the beginning of
> >the month, decide how much you are going to spend and what you are going
> >to spend it on. Don't spend more than you are going to make that month.
> >If you have a variable income, then don't spend more than you made last
> >month. Try to aim for spending about 10% less.
> >
> >2) Track your credit card balance as carefully as you track your
> >checkbook balance. It's a good idea to even keep an extra check register
> >on hand for credit card purchases and write them in the register when
> >you make a purchase.
> >
> >3) Make sure that your monthly statement balance is less this month than
> >it was last month, do that every month and you *will* pay off the pesky
> >card.
>
> 4) Build up your savings to at least 4 months take home pay. Use an
> online banking account to get interest over 4%. You could also have
> it direct deposited from your pay check. This money could be used for
> emergencies (new heating system, major car repairs) so you wouldn't
> have to use your credit card. Once you reach your savings goal,
> continue to save but put anything over your 4 months reserve in
> investment vehicles that could yiled higher than 4%. Keep your
> reserve liquid so you have a ready source of emergency funds.

I almost fell into that trap. I was saving up in my money market account
to pay my annual bills. Then with the help of someone here (sorry I
don't remember who,) I realized that it was costing me an extra $30 per
month average in CC interest to do that.

Now I put every spare dime into the credit card, keeping only about
$1000 buffer in my checking account (I need to maintain $750 in it for
it to be free, plus $250 in case something comes up.) Sometimes, I
manage to put whole paychecks into the credit card. When an annual bill
comes up, I pay it with the credit card.

This may sound counter-intuitive, but I use my credit card now more than
ever. I put almost my whole paycheck in it (leaving enough for rent and
utilities,) and then buy everything with it. My average balance is lower
because of this strategy which lowers my interest payments and the
amount I owe is steadily going down.

== 2 of 7 ==
Date: Sun, Dec 2 2007 1:24 pm
From: "Rod Speed"


Scott in SoCal <scottenaztlan@yahoo.com> wrote
> Just A User <ken@up-yours-spammer.net> wrote

>> I have 6 cards that I use on a rotating basis for normal
>> expenses. I pay the balance off every month.

> SIX cards?

> What's the advantage to rotating through 6 cards instead of just using 1 (or 2, or 3)?

The problem with 1 is that it isnt hard for that one to stop being viable
for some reason, like they sent the card very late, close to the renewal
date and you happened to be out of town on that date, or you managed
to run up against the limit accidentally, or the card stops being read in
the machines, or the card issuer stops the card because of what it
decides is evidence that its been stolen, or someone does steal from
the card and it takes a bit of time to get that reversed, etc etc etc.

Only a fool has just one card.


== 3 of 7 ==
Date: Sun, Dec 2 2007 1:43 pm
From: William Souden


Rod Speed wrote:
> Only a fool has just one card.
>
>

And welfare cases have no credit cards.

== 4 of 7 ==
Date: Sun, Dec 2 2007 3:04 pm
From: "Daniel T."


George Grapman <sfgeorge@paccbell.net> wrote:

> Get a debit card. You can use it just like a credit card except you
> can not spend the money if you do not have it.

Actually you can, and when you do the fees are through the roof.

== 5 of 7 ==
Date: Sun, Dec 2 2007 3:29 pm
From: "Daniel T."


"Rod Speed" <rod.speed.aaa@gmail.com> wrote:

> ...or the card issuer stops the card because of what it
> decides is evidence that its been stolen...

That happened to me once. A quick call to the number on the back of the
card cleared it up and I was able to use the card for that purchase.

== 6 of 7 ==
Date: Sun, Dec 2 2007 3:41 pm
From: George


Daniel T. wrote:
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>
>> ...or the card issuer stops the card because of what it
>> decides is evidence that its been stolen...
>
> That happened to me once. A quick call to the number on the back of the
> card cleared it up and I was able to use the card for that purchase.

Or they turn it off after it really is compromised. I was away from home
one day in another state. The card company called and asked if I was
making purchases in New Zealand and Austria. I told them I wasn't and
they said they were shutting the card off and would issue a new one.
Even though I am careful and seldom use the card someone got the info
and charged >$10,000 in a few hour period.

== 7 of 7 ==
Date: Sun, Dec 2 2007 4:39 pm
From: A Veteran


In article
<daniel_t-E3043E.18040902122007@earthlink.vsrv-sjc.supernews.net>,
"Daniel T." <daniel_t@earthlink.net> wrote:

> George Grapman <sfgeorge@paccbell.net> wrote:
>
> > Get a debit card. You can use it just like a credit card except you
> > can not spend the money if you do not have it.
>
> Actually you can, and when you do the fees are through the roof.

I rather enjoy my CC. Charge various monthly bills and pay it all off
every month. No charges. one stamp.

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


==============================================================================
TOPIC: Canned Mackerel
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f049abff31c44b3a?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Dec 2 2007 1:21 pm
From: PaPaPeng


On Sun, 02 Dec 2007 14:20:27 -0600, Logan Shaw
<lshaw-usenet@austin.rr.com> wrote:

>PaPaPeng wrote:
>> This is neat. I just bought a 115gm can of Mackerel, the flat can with
>> a pull tab to open it. Included inside is a plastic fork so that I
>> can eat from the can without further ado. Its a really brilliant
>> idea.
>
>How does the plastic fork not end up with fish juices and oil all over it?
>Is there a barrier between it and the fish? Or do you just have to wipe
>off the fork before using it?
>
> - Logan

Its packed outside the can but inside the cardboard box. Now that you
raised the point I didn't quite like the idea of the cardboard box as
it is unecessary landfill material. I think it will be a better idea
to incorporate a shallow spoon (with short fork tips) as part of the
pull tab for all canned non liquid food that can be eaten out of the
can..

To Al. Yes CDN1.59 is a bit overpriced for 115 gm of canned fish. A
regular 425 gm can of sardines form China is only CDN 1.29. I just
had to check out the CanAsia mackerel (love mackerel) as the picture
on the box looked so appetizing and bought one can of each in oil and
another in tomato sauce. The CanAsia fish is indeed more delicious,
cooked just right with the flesh just firm, slightly chewey, smooth
like fresh fish, and does really taste better. The regular sardines
turn powdery in the mouth, has a flat (overboiled) and somewhat fishy
taste that I disguise with chilisauce and chopped onions. The
Mackerel as a boneless steak I'd eat 'as is' to savor the flavor.

On fish, Chinatown grocery shops have a good selection of fresh frozen
fish, fish steaks and fillets you'll never fine in a western grocery
store. They are still pricey and, for me, too much work to prepare
and flavor to do them justice. My favorite in that section is whole
frozen smelts. CDN 2.09 for a 340 gm pack (good for 4 to 5 single
servings, real frugal). I nip off the head and throw in the rest
complete with fins, tail and stomach contents into the soup. The fins
are soft enough to swallow without problem. Its the stomach contents
that's the best part. It has a tangy, minty taste that goes well with
the fish. Smelts are gill feeders and the stomach contents are
planton. These are the 3 inch fish. The larger smelts (5 to 6 inches
whole, 4 inch gutted and headless ) go for CDN 2.99 for 340 gms.
Without the planton to me they don't taste as good.

== 2 of 3 ==
Date: Sun, Dec 2 2007 1:59 pm
From: The Real Bev


PaPaPeng wrote:

> <lshaw-usenet@austin.rr.com> wrote:
>
>> How does the plastic fork not end up with fish juices and oil all
>> over it? Is there a barrier between it and the fish? Or do you
>> just have to wipe off the fork before using it?

Perhaps a napkin is included. Oh, wait...

> Its packed outside the can but inside the cardboard box. Now that
> you raised the point I didn't quite like the idea of the cardboard
> box as it is unecessary landfill material. I think it will be a
> better idea to incorporate a shallow spoon (with short fork tips)

The technical term for this implement is "spork". Serious backpackers
get titanium sporks.

> as part of the pull tab for all canned non liquid food that can be
> eaten out of the can..

The problem there is contamination from the outside.

> I just had to check out the CanAsia mackerel (love mackerel) as the
> picture on the box looked so appetizing and bought one can of each in
> oil and another in tomato sauce.

I've never understood people who think fish is edible.

> On fish, Chinatown grocery shops have a good selection of fresh
> frozen fish, fish steaks and fillets you'll never fine in a western
> grocery store.

Lots of things like that. Pork bungs, for instance. I really like the
fact that there are a lot of Asian markets around here. Unfortunately,
their bok choy contains no less sand than the stuff from ordinary markets.

> Smelts are gill feeders and the stomach contents are planton. These
> are the 3 inch fish. The larger smelts (5 to 6 inches whole, 4 inch
> gutted and headless ) go for CDN 2.99 for 340 gms. Without the
> planton to me they don't taste as good.

This is information that will stay with me LOTS longer than I'd like.

--
Cheers, Bev
============================================
Buckle Up. It makes it harder for the aliens
to suck you out of your car.

== 3 of 3 ==
Date: Sun, Dec 2 2007 3:04 pm
From: "AllEmailDeletedImmediately"

"Anthony Matonak" <anthonym40@nothing.like.socal.rr.com> wrote in message
news:4752fa98$0$16509$4c368faf@roadrunner.com...
> Dennis wrote:
> ...
>> I'd bring up the hazards of mercury, but I guess that ship has sailed.
>
> Mercury is like lead... If it was bad for you they wouldn't put it in
> so many things. :)
>
add in hfcs.

> Anthony
>



==============================================================================
TOPIC: How much do you really save turning down the thermostat?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e6b14ffb2d998b9e?hl=en
==============================================================================

== 1 of 6 ==
Date: Sun, Dec 2 2007 1:34 pm
From: "Rod Speed"


Joe <joe5345@gmail.com> wrote:

> I'm struggling with the idea between keeping my thermostat
> at 66 degrees which I need to wear at least two layers of
> clothing around my house to feel comfortable and 69 degrees
> with which I can walk around comfortably in a t-shirt. Has any
> actually calculated actual savings of turning down the thermostat?

That isnt possible to do in general, it depends on
how lossy your house is, how well insulated it is.

For example, if its perfectly insulated, the thermostat
setting will make no difference to the cost.

> I've read all the articles about how you can save
> 10% per each degree you turn down your thermostat

Thats just a number plucked from someone's arse.

> but I would like to see if anyone actually
> have some real numbers to back me up.

Wont help much with your costs.

> I'm not sure it's worth $30 a month to live like this.

Sure, thats certainly one consideration.


== 2 of 6 ==
Date: Sun, Dec 2 2007 1:38 pm
From: "Rod Speed"


clams casino <PeterGriffin@drunkin-clam.com> wrote:
> Joe wrote:
>
>> I'm struggling with the idea between keeping my thermostat at 66
>> degrees which I need to wear at least two layers of clothing around
>> my house to feel comfortable and 69 degrees with which I can walk
>> around comfortably in a t-shirt. Has any actually calculated actual
>> savings of turning down the thermostat? I've read all the articles
>> about how you can save 10% per each degree you turn down your
>> thermostat but I would like to see if anyone actually have some real
>> numbers to back me up. I'm not sure it's worth $30 a month to live
>> like this.

> No hard figures, but logically there is a savings for any reduced temp level

Nope, not when its well insulated enough.

> (except with heat pumps).

Just as true of heat pumps. You're confusing the other problem with
heat pumps, the overnight setback, with the daytime lower setting.

> I suggest using programmable thermostats with several daily time adjustments. They should pay for themselves within
> months.

Easy to claim, hell of a lot harder to actually substantiate that claim.

> For a start, we have up and down zones / thermostats. During the day, we keep the upstairs at 62 (doors shut so the
> heat from downstairs stays primarily downstairs), with the heat increased to 68 early evening and down to 66 about
> midnight.

> Downstairs, we set the thermostat at 62 at 10pm & step up the temp to
> 66 about 4am, 67 at 8am, 68 and 3pm and 69 at 5pm. When we leave the
> house, we drop the thermostat a few degrees and usually reset as we
> enter. The thermostat is near the door we use most, so it's no bother
> to hit the buttons up / down as desired. During the morning, 66-67
> can be comfortable, but there is always a chill about the time the
> sun drops so the change helps keep the comfort..

> This will not work with a heat pump (secondary heating will kill the savings),

Not if it doesnt use secondary heat.

> but should work with gas & oil.


== 3 of 6 ==
Date: Sun, Dec 2 2007 2:31 pm
From: Usenet2007@THE-DOMAIN-IN.SIG


In article <4d1cb135-03bd-4b61-9616-
83f3692d03f1@p69g2000hsa.googlegroups.com>, joe5345@gmail.com
says...
> I'm struggling with the idea between keeping my thermostat at 66
> degrees which I need to wear at least two layers of clothing around my
> house to feel comfortable and 69 degrees with which I can walk around
> comfortably in a t-shirt. Has any actually calculated actual savings
> of turning down the thermostat? I've read all the articles about how
> you can save 10% per each degree you turn down your thermostat but I
> would like to see if anyone actually have some real numbers to back me
> up. I'm not sure it's worth $30 a month to live like this.


It depends on other factors.

If one person has good insulation and weatherstripping on
windows/doors, then the heat will stay in. And the heater or
furnace won't need to kick in as often. Regardless of where the
thermostat is set. If another person has poor insulation, and
drafts blowing in around window/door cracks, then the heater or
furnace will have to work harder.

I made sure to apply weatherstripping to windows and doors when I
moved into my current place, before the first winter.

And I don't have any problem with wearing a couple of layers (or
more) while at home. It isn't like I have to look good by some
snooty office/retail dress code standard. And thermal underwear
is good for all occasions.


--
Earn Money With Your Web Site
http://www.WebSponsorZone.Net
Web Site Advertising Directory

== 4 of 6 ==
Date: Sun, Dec 2 2007 2:35 pm
From: Usenet2007@THE-DOMAIN-IN.SIG


In article <sv56l3tt498vi4htn19ki2rd65f17iksj8@4ax.com>,
thismailautodeleted@comcast.net says...
> On Sun, 2 Dec 2007 12:27:39 -0800 (PST), Joe <joe5345@gmail.com>
> wrote:
>
> >I'm struggling with the idea between keeping my thermostat at 66
> >degrees which I need to wear at least two layers of clothing around my
> >house to feel comfortable and 69 degrees with which I can walk around
> >comfortably in a t-shirt. Has any actually calculated actual savings
> >of turning down the thermostat? I've read all the articles about how
> >you can save 10% per each degree you turn down your thermostat but I
> >would like to see if anyone actually have some real numbers to back me
> >up. I'm not sure it's worth $30 a month to live like this.


> The problem is dealing with others in the house. I gave up trying to
> convince them the savings was worth it.
> The best I could get out of them was 69 degrees - and they're still
> bitching.


Just tell them to put on their fashionable retro-70s "Jimmy
Carter" brand sweaters. With the little embroidered grinning
mouth logo.


--
Earn Money With Your Web Site
http://www.WebSponsorZone.Net
Web Site Advertising Directory

== 5 of 6 ==
Date: Sun, Dec 2 2007 3:41 pm
From: "Bob F"

<Usenet2007@THE-DOMAIN-IN.SIG> wrote in message
news:MPG.21bcd1f75334b168989de8@nntp.aioe.org...
> In article <4d1cb135-03bd-4b61-9616-
> 83f3692d03f1@p69g2000hsa.googlegroups.com>, joe5345@gmail.com
> says...
>> I'm struggling with the idea between keeping my thermostat at 66
>> degrees which I need to wear at least two layers of clothing around my
>> house to feel comfortable and 69 degrees with which I can walk around
>> comfortably in a t-shirt. Has any actually calculated actual savings
>> of turning down the thermostat? I've read all the articles about how
>> you can save 10% per each degree you turn down your thermostat but I
>> would like to see if anyone actually have some real numbers to back me
>> up. I'm not sure it's worth $30 a month to live like this.
>
>
> It depends on other factors.
>
> If one person has good insulation and weatherstripping on
> windows/doors, then the heat will stay in. And the heater or
> furnace won't need to kick in as often. Regardless of where the
> thermostat is set. If another person has poor insulation, and
> drafts blowing in around window/door cracks, then the heater or
> furnace will have to work harder.
>

Even if the house is leaky, turning down the thermostat saves energy. Even more,
in fact.

Bob


== 6 of 6 ==
Date: Sun, Dec 2 2007 3:39 pm
From: "Bob F"

"clams casino" <PeterGriffin@drunkin-clam.com> wrote in message
news:P1F4j.14098$KK1.11291@newsfe24.lga...
> Joe wrote:
>
>>I'm struggling with the idea between keeping my thermostat at 66
>>degrees which I need to wear at least two layers of clothing around my
>>house to feel comfortable and 69 degrees with which I can walk around
>>comfortably in a t-shirt. Has any actually calculated actual savings
>>of turning down the thermostat? I've read all the articles about how
>>you can save 10% per each degree you turn down your thermostat but I
>>would like to see if anyone actually have some real numbers to back me
>>up. I'm not sure it's worth $30 a month to live like this.
>>
>
>
> No hard figures, but logically there is a savings for any reduced temp level
> (except with heat pumps).

Keeping the thermostat down will cut costs even with heat pumps.

The only issue with heat pumps is raising the setting too much at a time, unless
you have a way to disable the secondary heat. If the secondary heat is disabled,
even big changes are no problem.

When I had a heat pump installed, they wired the trermostat so that setting the
"emergency" switch on disabled the strip heaters.

Bob



==============================================================================
TOPIC: more laptop selection help
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/614f763badc82c6b?hl=en
==============================================================================

== 1 of 7 ==
Date: Sun, Dec 2 2007 2:07 pm
From: "AllEmailDeletedImmediately"

"Gary Heston" <gheston@hiwaay.net> wrote in message
news:13l5rhhon7hkt4d@corp.supernews.com...
> In article <r8A4j.3888$xB.1301@trndny06>,
> AllEmailDeletedImmediately <derjda@hotmail.com> wrote:

> You can find some information about the differences between 32-bit and
> 64-bit architecures here:
>
>

http://en.wikipedia.org/wiki/64-bit

i don't usually think to go to wikipedia because anyone can write up
anything
for it.

> The primary limitation is memory. Software _never_ gets smaller, so buy
> a system that you can expand to 4GB when you need to. If you decide to
> run Vista (not recommended), you should start with 1GB.
>
> Get a CPU with a large cache--2MB minimum, 4GB is better; trade off clock
> speed for more cache. Get a fast hard drive. You're not doing things that
> push the limits of current technology, so the rest isn't critical.

the memory, cache and drive speed were all at the top of my list. since
most
off the shelf machines come with vista preloaded, i should get a custom
built one? what xp software would i load on it? i have a copy of xp, but
it's
registered to this current machine and dh will be using it. do the shops
still
sell xp? i thought ms was getting ready to stop supporting it.

oh, and now dh is thinking he'd like the laptop to deal with lyric, a
graphics
manipulating program (he'd prefer final cut pro but he says it usually run
on a mac).
just threw that at me today. so know i'm really looking at 4+G memory, min
2G cache,
7200rpm hd and really a good graphics card (like a gamer needs? anyone got
suggestions?)?
i just know this is gonna hit at least 2k (lyric not included), but getting
proficient in lyric
will let him get more overtime/freelance work. maybe a desktop with all
that stuff since
they're cheaper and get a laptop more for just what i need? might not be
much more than
the laptop all loaded up.

thanks for the help, gary.
>
> Gary

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

the ONLY copy?


== 2 of 7 ==
Date: Sun, Dec 2 2007 2:01 pm
From: Paul Pluzhnikov


Logan Shaw <lshaw-usenet@austin.rr.com> writes:

> A "bit" is in fact a digit. In fact, it's a contraction of the words
> "binary" and "digit".

No, it isn't: there are 2 binary digits: '0' and '1'. A bit is a
single binary digit, i.e. a 0 or a 1. Where is the contradiction?

> 32-bit computers have different instructions sets than 64-bit computers.

Partially true: 64-bit processors usually have additional instructions.

> With a 32-bit computer, the instructions are written as 32-bit numbers.

Completely false for all Intel (and compatible) processors.
True for most 32-bit RISC processors (but that isn't what makes
them 32-bit).

> With a 64-bit computer, the instructions are written as 64-bit numbers.

Completely false for all common 64-bit processors.

> That's the most important difference right there.

Except it isn't even close to reality.

This isn't the right forum for discussing computer architecture,
but your understanding of 32-bit vs. 64-bit difference is quite
incorrect.

Cheers,
--
In order to understand recursion you must first understand recursion.
Remove /-nsp/ for email.

== 3 of 7 ==
Date: Sun, Dec 2 2007 2:52 pm
From: "AllEmailDeletedImmediately"

"Logan Shaw" <lshaw-usenet@austin.rr.com> wrote in message
news:47531cb6$0$8880$4c368faf@roadrunner.com...
> AllEmailDeletedImmediately wrote:

snip

> Of course, as somebody else said, you almost can't buy anything *but*
> a 64-bit computer these days, so it doesn't really matter. But now
> you know.

thank you logan. this is what i was intuitively understanding but unable
to put into words. and gi joe to you, too! :) <<<---if you don't
understand,
let me know.


== 4 of 7 ==
Date: Sun, Dec 2 2007 2:57 pm
From: "AllEmailDeletedImmediately"

"Paul Pluzhnikov" <ppluzhnikov-nsp@charter.net> wrote in message
news:m3bq98vjrv.fsf@somewhere.in.california.localhost...
> Logan Shaw <lshaw-usenet@austin.rr.com> writes:
>
>> A "bit" is in fact a digit. In fact, it's a contraction of the words
>> "binary" and "digit".
>
> No, it isn't: there are 2 binary digits: '0' and '1'. A bit is a
> single binary digit, i.e. a 0 or a 1. Where is the contradiction?

i'm guessing because there are 2 digits in the binary numbering: 0 and 1,
hence (b)inary dig(its) = bits?
>
>> 32-bit computers have different instructions sets than 64-bit computers.
>
> Partially true: 64-bit processors usually have additional instructions.
>
>> With a 32-bit computer, the instructions are written as 32-bit numbers.
>
> Completely false for all Intel (and compatible) processors.
> True for most 32-bit RISC processors (but that isn't what makes
> them 32-bit).
>
>> With a 64-bit computer, the instructions are written as 64-bit numbers.
>
> Completely false for all common 64-bit processors.
>
>> That's the most important difference right there.
>
> Except it isn't even close to reality.
>
> This isn't the right forum for discussing computer architecture,
> but your understanding of 32-bit vs. 64-bit difference is quite
> incorrect.

thank you for your info, paul. i've tried the computer groups way
back when for info, but they were always explaining over my head.


== 5 of 7 ==
Date: Sun, Dec 2 2007 3:03 pm
From: "AllEmailDeletedImmediately"

"Dennis" <dgw80@hotmail.com> wrote in message
news:fhu5l3dcqgh0plugenba4gf9ducarf95og@4ax.com...
> On Sun, 02 Dec 2007 15:26:15 GMT, "AllEmailDeletedImmediately"
> <derjda@hotmail.com> wrote:
>
>>thank you everyone who helped me out. i'm learning and getting there.
>>
>>this is another question about the diff betw the turion 64x2 and the intel
>>core 2 duo. for what i do, i'd think either would work fine at this
>>time.
>>
>>i think i read that the intel is a 32x2; is that correct?
>>
>>if so, would there be an advantage to getting the turion 64x2 in terms of
>>future software/hardware? i'm not sure what the 32 and the 64 mean.
>>would software written for the 32 run on the 64? vice versa? is software
>>most likely to be written for one over the other in the future? does it
>>even affect the software? :) i'm thinking it might because i know there
>>are terms like 32 bit platform and 64 bit platform and i think this might
>>be
>>what it refers to, but, i'm a real dummy when it comes to hardware :(
>>
>>i usually keep my computer until i really need a new one in terms of
>>software, so i'm trying to make sure that the one i get will be able to
>>handle future software as far into the future as possible.
>>
>>thanks for all the help.
>>
>
> To run 64-bit applications, you would need to install a 64-bit OS.
> Generally, you would only need 64-bit OS/applications if you needed
> really large amounts of memory and did lots of crunching of big
> numbers. I suspect that neither would be an issue for you with the
> type of use you describe. Bottom line: either processor could
> accomodate a 64-bit OS, but you likely will never need one so don't
> sweat it.

that's what i kinda thought, but now dh has tossed something else into the
mix. it's in one of the later posts. might make a diff, now. thanks
for
the help, o evil one :)
>
>
> Dennis (evil)
> --
> I'm behind the eight ball, ahead of the curve, riding the wave,
> dodging the bullet and pushing the envelope. -George Carlin
>


== 6 of 7 ==
Date: Sun, Dec 2 2007 3:32 pm
From: Paul Pluzhnikov


"AllEmailDeletedImmediately" <derjda@hotmail.com> writes:

> i'm guessing because there are 2 digits in the binary numbering: 0 and 1,
> hence (b)inary dig(its) = bits?

Yes, that's the etymology of "bit".
http://en.wikipedia.org/wiki/Bit

> thank you for your info, paul. i've tried the computer groups way
> back when for info, but they were always explaining over my head.

For your practical purpose, the difference between 32-bit and 64-bit
CPU is as follows:

1. On a 64-bit Intel (or compatible) CPU you can run one of the
64-bit operating systems (OSes), such as Windows XP for x64,
Vista for x64, or Linux/x86_64.
(You can't run 64-bit OSes if you only have 32-bit CPU).
(You *can* run 32-bit OSes on 64-bit CPUs, and most systems sold
today are configured exactly that way.)

2. If you are running 64-bit OS, then you can run 64-bit applications
(such as Photoshop) on your computer.
(You can't run 64-bit applications if you are using 32-bit OS).

3. If you are using 64-bit application, then such application can
use much more memory (at once) than an equivalent 32-bit
application can. A 32-bit application can not easily use more than
2GB of memory on Windows, but 64-bit application can easily
use 6GB, or even 20GB.

When could point 3 matter?

Consider a 10 mega-pixel digital camera. An uncompressed image from
that camera will occupy at least 30 MBytes of RAM, when loaded in
its entirety into Photoshop (each pixel is described by 3 bytes --
the values of the 3 primary colors). This means that 32-bit Photoshop
will likely run out of memory if you try to load a 100 of such
pictures at once (2GB is 2048MB, and you are trying to use 3000MB).

So, *today* you are not very likely to run into too many 32-bit
limitations, unless you are doing professional digital photography,
or HD-video work.

Cheers,

P.S. Don't look for 4GB of cache either, such systems do not exist,
and are unlikely to ever exist. You are looking for 4MB cache,
not 4GB cache.

--
In order to understand recursion you must first understand recursion.
Remove /-nsp/ for email.

== 7 of 7 ==
Date: Sun, Dec 2 2007 3:52 pm
From: "AllEmailDeletedImmediately"

"Paul Pluzhnikov" <ppluzhnikov-nsp@charter.net> wrote in message
news:m37ijwvfj3.fsf@somewhere.in.california.localhost...
> "AllEmailDeletedImmediately" <derjda@hotmail.com> writes:
>
snip

> P.S. Don't look for 4GB of cache either, such systems do not exist,
> and are unlikely to ever exist. You are looking for 4MB cache,
> not 4GB cache.

see what i mean :)



==============================================================================
TOPIC: Christ in Islam
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/06c4482e668dd598?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Dec 2 2007 3:19 pm
From: George


231 wrote:
> AllEmailDeletedImmediately <derjda@hotmail.com> wrote:
>
>> here's what i know:
>
> Nope.
>
>> my God has a Son name Christ Jesus.
>
> You dont know that.

231 formally known as "Rod",

But since a negative can never be proved how do you know?


>
>> islam's god does not.
>
> Its the same god, stupid.
>
>> therefore they cannot be the same god
>
> Or it is the same god and its devotees cant get the basics right.
>
>> and they are not, no matter how hard islam tries to horn in and claim it as so.
>
> Just as true of the stupid xtians.
>
>> allah IS NOT the same god as the God of the hebrew and christians.
>
> Easy to claim. Hell of a lot harder to actually substantiate that claim.
>
> In spades that there is any 'god' at all.
>
>


==============================================================================
TOPIC: Discount wholesale AF1 Air Max Shoes,LV Bags,T-shirts, Nokia N95 Mobile
Phone, Lacoste Shoes,Gucci Handbags, Ipod Nano,Juicy Purses,Hoody, Jeans, MP3
MP4, GPS
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/097b533f5858accf?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Dec 2 2007 3:20 pm
From: globwholesale15@126.com


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25 new messages in 7 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:

* Living without a credit card - 15 messages, 10 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1543df3db7e868b6?hl=en
* Christ in Islam - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/06c4482e668dd598?hl=en
* Free Plant Seeds to Save Bees - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/069d01cc43edcd93?hl=en
* more laptop selection help - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/614f763badc82c6b?hl=en
* Canned Mackerel - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f049abff31c44b3a?hl=en
* How much do you really save turning down the thermostat? - 4 messages, 4
authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e6b14ffb2d998b9e?hl=en
* Free Dunkin' Donuts(r) Coffee - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e3934937368911bc?hl=en

==============================================================================
TOPIC: Living without a credit card
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1543df3db7e868b6?hl=en
==============================================================================

== 1 of 15 ==
Date: Sun, Dec 2 2007 10:55 am
From: "Rod Speed"


Paul Pluzhnikov <ppluzhnikov-nsp@charter.net> wrote
> clams casino <PeterGriffin@drunkin-clam.com> wrote

>> I think it will be difficult to find a low risk, 4%+ bank account.

> Not really:
> http://home.ingdirect.com/products/products.asp?s=OrangeSavingsAccount

Its less clear how those will fair in the sub prime fiasco.


== 2 of 15 ==
Date: Sun, Dec 2 2007 10:50 am
From: Paul Pluzhnikov


"** Frank **" <noemall@xyz.net> writes:

> clams casino <PeterGriffin@drunkin-clam.com> writes:
>> In fact, by paying them off every
>> month, I realize a good $500+ gain every year in rebates.
>>
>
> Wow, that is fantastic! Which card do you use and how much do you have to
> spend to get back $500?

I use REI Visa (http://www.reivisa.com), which gives %1 cash back
on everything, with no maximum. I pay for *everything* with it,
including (reimbursed) business travel and many utility bills.

When you fly a couple of times a year, rent cars, and stay in hotels,
it isn't hard to spend $50K/year, which produces that $500 rebate.

Cheers,
--
In order to understand recursion you must first understand recursion.
Remove /-nsp/ for email.

== 3 of 15 ==
Date: Sun, Dec 2 2007 11:06 am
From: Scott in SoCal


On Sun, 02 Dec 2007 12:39:22 -0500, Just A User
<ken@up-yours-spammer.net> wrote:

>I have 6 cards that I use on a
>rotating basis for normal expenses. I pay the balance off every month.

SIX cards?

What's the advantage to rotating through 6 cards instead of just using
1 (or 2, or 3)?

== 4 of 15 ==
Date: Sun, Dec 2 2007 10:53 am
From: Paul Pluzhnikov


Just A User <ken@up-yours-spammer.net> writes:

> I have 6 cards that I use on a rotating basis for normal expenses.

Why do you "rotate" them?
It's not like they will spoil if you don't use them, is it?

Cheers,
--
In order to understand recursion you must first understand recursion.
Remove /-nsp/ for email.

== 5 of 15 ==
Date: Sun, Dec 2 2007 11:17 am
From: The Etobian


On Sun, 02 Dec 2007 12:35:39 -0500, clams casino
<PeterGriffin@drunkin-clam.com> wrote:


>I think it will be difficult to find a low risk, 4%+ bank account. A
>better way (once all the credit card debt is paid off) may be to have
>that 4-month money in a three or perhaps six month CD which are
>currently paying above 4%. If a true emergency does arise, the CDs can
>be tapped to pay off such emergency charges.

Difficult but not impossible. Certainly more liquid than CDs. If you
go the CD route, then the best thing to do is have multiple CDs that
mature at different times, and keep rolling them over into new CDs
except when you need the cash.

== 6 of 15 ==
Date: Sun, Dec 2 2007 11:21 am
From: clams casino


** Frank ** wrote:

>>Can't help - Since I always pay all balance every month when due every
>>month, I don't have any problems. In fact, by paying them off every
>>month, I realize a good $500+ gain every year in rebates.
>>
>>
>>
>
>Wow, that is fantastic! Which card do you use and how much do you have to
>spend to get back $500?
>
>
>
>
Last year, I was able to get back 5% on all gas & groceries via a
Citibank / Amex card. That was unfortunately discontinued earlier
this year. About that time, Chase / Visa offered me $100 to set up a
new account with 3% off all gas, groceries & my cable bill. They will
pay an extra $50 if I wait until retrieving that cash refund at the
$250 level (if I recall that amount correctly - it might be at the $200
level) plus 1% on all other charges.

I was intending to discontinue another Visa card (2% on gas purchases),
but after a month of not renewing their card, they offered me $50 if I
would renew their card & charge $100. I charged just over $100, took
the cash and put that card away.

Discover pays 5% on gas during the 3nd quarter of the year, is currently
paying 5% on restaurant charges in the 4th quarter with 5% on all
grocery charges in December and has other 5% bonuses in the 1st & 2nd
quarters. They are currently advertising double mileage on the first
$3000 in travel & restaurant charges.

For all else, I tend to use a Bank of America Visa with Choice points,
getting 2% rebate on all other purchases payable as stays at Choice
hotels (plus an added bonus for charges at Choice hotels). Holiday Inn
recently paid an extra 2000 point bonus on my HI Priority club account
(essentially $20 ) for each of several stays I recently made & charged
to any Visa card.

All these are no annual fee cards.

Granted, I'm continually shuffling between 4-5 cards, but IMO, the
return of that much untaxed money is worth that minor inconvenience.

At 3%, $10k/yr in gas, groceries & cable charges can return about
$300. The 2% on all other charges plus the sign-on bonuses will easily
bring that above $500.

== 7 of 15 ==
Date: Sun, Dec 2 2007 11:32 am
From: Just A User


Scott in SoCal wrote:
> On Sun, 02 Dec 2007 12:39:22 -0500, Just A User
> <ken@up-yours-spammer.net> wrote:
>
>> I have 6 cards that I use on a
>> rotating basis for normal expenses. I pay the balance off every month.
>
> SIX cards?
>
> What's the advantage to rotating through 6 cards instead of just using
> 1 (or 2, or 3)?
Well sometime ago I read somewhere that having multiple open accounts is
better for rebuilding your credit. And the last time I checked my credit
report (creditreport.com) I was only using 3% of my available credit on
all my accounts. Actually I will probably cut it down somewhat in the
future. I started rebuilding my credit about 2 years ago, when my credit
score was about 500, now it's up to about 700. My goal is to get to
about 730 or 750 then cut down the number of cards.

== 8 of 15 ==
Date: Sun, Dec 2 2007 11:36 am
From: Just A User


Paul Pluzhnikov wrote:
> Just A User <ken@up-yours-spammer.net> writes:
>
>> I have 6 cards that I use on a rotating basis for normal expenses.
>
> Why do you "rotate" them?
> It's not like they will spoil if you don't use them, is it?
>
> Cheers,

No they won't spoil but by rotating through them that shows activity on
all my accounts. And as how I pay them off every month it's a good thing
for my credit report.

== 9 of 15 ==
Date: Sun, Dec 2 2007 11:42 am
From: Logan Shaw


clams casino wrote:
> I think it will be difficult to find a low risk, 4%+ bank account.

Not that difficult. Here's one:

http://www.capitalone.com/directbanking/hymm/index.php?linkid=WWW_Z_Z_Z_SP25_R3_05_G_SP25

That's a "high yield money market" account. There is no minimum balance
and no monthly fees, and you get a checkbook and an ATM card. However,
since it's a money market, there's a limit on transactions per month.
But it's just about perfect for a rainy day account: if you need money
for a big unexpected expense (like a repair on your home or whatever),
you can write a check and get effectively instant access to the money.

> A better way (once all the credit card debt is paid off) may be to have
> that 4-month money in a three or perhaps six month CD which are
> currently paying above 4%. If a true emergency does arise, the CDs can
> be tapped to pay off such emergency charges.

That can work great too. It really depends on whether the CD is paying a
higher rate and if so whether it's worth it to risk the penalty for early
withdrawal if/when you need the money. A lot of CDs don't have that big
a penalty, so it probably is pretty often worth it.

> Our preferred method for an emergency fund was to make extra payments
> against the mortgage where the (extra) equity could be made available
> in case of emergencies.

Did you get that type of loan in the US? You mentioned the IRS, making
me think you are in the US, but I thought that type of loan was only
available in other countries. If it is available in the US, that would
be great to know about since I want to get that type of loan.

- Logan

== 10 of 15 ==
Date: Sun, Dec 2 2007 11:30 am
From: Paul Pluzhnikov


Just A User <ken@up-yours-spammer.net> writes:

> Well sometime ago I read somewhere that having multiple open accounts
> is better for rebuilding your credit.

That is correct. But having multiple accounts with balance on them
is not. If your goal is to raise your credit score, you'll probably
be better off using one card primarily, and charging $5 once a
month on one of the other 5.

> And the last time I checked my
> credit report (creditreport.com) I was only using 3% of my available
> credit on all my accounts.

How many cards were reported with a balance on them?
If you "rotate" on a monthly basis, I am guessing at least 3 had
some substantial balance, which *lowers* your score.

BTW, wamu.com offers a credit card which allows you to see your
FICO score every month, answers "why is my score XXX?" question, and
has a FICO "simulator" which answers "what would happen to my FICO
score if I did..." question.

Cheers,
--
In order to understand recursion you must first understand recursion.
Remove /-nsp/ for email.

== 11 of 15 ==
Date: Sun, Dec 2 2007 11:47 am
From: "SpammersDie"

"Paul Pluzhnikov" <ppluzhnikov-nsp@charter.net> wrote in message
news:m3odd9udvc.fsf@somewhere.in.california.localhost...
> Just A User <ken@up-yours-spammer.net> writes:
>
>> I have 6 cards that I use on a rotating basis for normal expenses.
>
> Why do you "rotate" them?
> It's not like they will spoil if you don't use them, is it?

Only reason I can think of is to keep the utilization ratio from climbing
too high on any particular card (or more importantly, on whatever subset of
cards is reported to whatever credit bureau your next lender gets his
reports from.)


== 12 of 15 ==
Date: Sun, Dec 2 2007 12:14 pm
From: Logan Shaw


Scott in SoCal wrote:
> On Sun, 02 Dec 2007 08:06:37 -0500, Neil Jones
> <castellan2004-atnews@yahoo.com> wrote:
>
>> I have problem with credit cards. I flash them for gas, sometimes for
>> lunch, groceries etc. They are the small ticket items but are
>> accumulating on my balance. Now that I have accepted that I have a
>> problem, I want to really wean out of this reliance on credit card.
>
> Your problem is not credit cards per se. You problem is that you are
> not living within your means. In general, paying with a credit card is
> no worse than paying with cash (and sometimes better, since some
> credit cards pay cash rewards for using them). The problems only come
> in when you don't pay your balance in full each month.

I both agree and disagree.

I agree because the fundamental problem is in fact spending more than
you earn. Spending less than you earn is the goal.

I disagree because credit cards require somewhat more self-discipline
(or maybe just good habits) than cash requires in order to achieve
the goal. With credit cards, tracking is more difficult (not impossible)
because the amount you've spent is an invisible quantity. With cash,
you either have cash in your hand or you don't. Cash creates a barrier
that stops you from going into the red; with credit cards, there is a
line that you cross but it's invisible and unless you do the math, you
don't know when you've crossed it.

Granted, you shouldn't be flirting with that line in the first place.
But let's take it as a given that flirting with that line is exactly
what's going on, because otherwise the original poster wouldn't be
asking this question.

So, while credit cards are not the problem, getting rid of credit cards
may be one step on the path to solving the problem. The ultimate plan
should be to get to a point where you *can* carry credit cards and still
not spend too much. That's partly because credit cards are convenient,
but mainly because reaching that point is an indicator that you've really
solved the root problem, which is control over yourself and control over
your finances across the board.

> I had problems similar to yours many years ago, but my solution was to
> stop spending more money than I earned. I still have all my credit
> cards, BTW - I never cut them up or froze them in a block of ice or
> any of that crap. Those are crutches for people who are too
> weak-willed to stick to a spending plan. The real way to solve your
> problem is to develop some fiscal discipline.

I agree they're crutches, but if one is in this situation, they should
do one of the following:

(A) really, truly decide they are going to do it right and control
their spending for real, make the commitment, and keep the credit
cards; or
(B) decide they're going to do it in steps, ditch the credit cards
for now as the first step, and then be serious about getting
control overall by taking further steps later (but not too much
later).

In particular, it would not be a good idea to do:

(C) not be committed to completely reforming, but keep the credit cards
anyway because you think it's more impressive to do (A) than it is
to do (B).

I guess my point is, decide what you're willing to commit to, and then
make a plan that works based on that. I'll say that you will be
happiest if you decide to commit to controlling spending in general
so that credit cards aren't a temptation. But be realistic, and if
you're not willing to commit to that, make a plan that involves cutting
up the credit cards or something.

- Logan

== 13 of 15 ==
Date: Sun, Dec 2 2007 12:19 pm
From: Anthony Matonak


Scott in SoCal wrote:
> What's the advantage to rotating through 6 cards instead of just using
> 1 (or 2, or 3)?

The advantage is that while the credit card companies might not raise
your credit limit on any one card, there are always more cards you
can get. You can also pay off one card with another. Once you've
established that you regularly pay off your card at the end of the
month, they'll raise your limit.

Anthony

== 14 of 15 ==
Date: Sun, Dec 2 2007 12:41 pm
From: clams casino


Logan Shaw wrote:

> clams casino wrote:
>
>> I think it will be difficult to find a low risk, 4%+ bank account.
>
>
> Not that difficult. Here's one:
>
> http://www.capitalone.com/directbanking/hymm/index.php?linkid=WWW_Z_Z_Z_SP25_R3_05_G_SP25

>
>
> That's a "high yield money market" account. There is no minimum balance
> and no monthly fees, and you get a checkbook and an ATM card. However,
> since it's a money market, there's a limit on transactions per month.
> But it's just about perfect for a rainy day account: if you need money
> for a big unexpected expense (like a repair on your home or whatever),
> you can write a check and get effectively instant access to the money.
>
>> A better way (once all the credit card debt is paid off) may be to
>> have that 4-month money in a three or perhaps six month CD which are
>> currently paying above 4%. If a true emergency does arise, the CDs
>> can be tapped to pay off such emergency charges.
>
>
> That can work great too. It really depends on whether the CD is paying a
> higher rate and if so whether it's worth it to risk the penalty for early
> withdrawal if/when you need the money. A lot of CDs don't have that big
> a penalty, so it probably is pretty often worth it.
>
>> Our preferred method for an emergency fund was to make extra
>> payments against the mortgage where the (extra) equity could be
>> made available in case of emergencies.
>
>
> Did you get that type of loan in the US? You mentioned the IRS, making
> me think you are in the US, but I thought that type of loan was only
> available in other countries. If it is available in the US, that would
> be great to know about since I want to get that type of loan.
>
> - Logan


It was simply a home equity loan (US) where the loan interest is
typically deductible vs. conventional loans which are typically not
interest deductible.

I'm confident most every mortgage lender has a home equity loan option,
assuming one has enough equity..

== 15 of 15 ==
Date: Sun, Dec 2 2007 1:00 pm
From: pc


Logan Shaw wrote:
> Scott in SoCal wrote:
>> On Sun, 02 Dec 2007 08:06:37 -0500, Neil Jones
>> <castellan2004-atnews@yahoo.com> wrote:
>>
>>> I have problem with credit cards. I flash them for gas, sometimes
>>> for lunch, groceries etc. They are the small ticket items but are
>>> accumulating on my balance. Now that I have accepted that I have a
>>> problem, I want to really wean out of this reliance on credit card.
>>
>> Your problem is not credit cards per se. You problem is that you are
>> not living within your means. In general, paying with a credit card is
>> no worse than paying with cash (and sometimes better, since some
>> credit cards pay cash rewards for using them). The problems only come
>> in when you don't pay your balance in full each month.
>
> I both agree and disagree.
>
> I agree because the fundamental problem is in fact spending more than
> you earn. Spending less than you earn is the goal.
>
> I disagree because credit cards require somewhat more self-discipline
> (or maybe just good habits) than cash requires in order to achieve
> the goal. With credit cards, tracking is more difficult (not impossible)
> because the amount you've spent is an invisible quantity. With cash,
> you either have cash in your hand or you don't. Cash creates a barrier
> that stops you from going into the red; with credit cards, there is a
> line that you cross but it's invisible and unless you do the math, you
> don't know when you've crossed it.

Things have changed so much in the past 10, let alone 20, years. It
makes it hard for a lot of people to understand what cold, hard cash
really means.

My paycheck is automatically deposited [my company's rule]. Health,
life and auto insurance is deducted automatically by my employer.

I pay all the bills online. Most are set up on auto-pay.
In the past three years, I've written approximately two checks per year.
I've been to my bank only once in the past year [DH still gets paid by
paper check so he goes to the bank].

I've been considering opting into Ebills that my bank offers. But, I'm
not quite there yet. I like the hard copy reminder of the expense I've
incurred.

The 'cause and effect' experience of depositing a check, taking out
cash, balancing a checkbook is pretty much gone for many. This can make
things difficult for people.

..PC


==============================================================================
TOPIC: Christ in Islam
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/06c4482e668dd598?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Dec 2 2007 11:01 am
From: "231" <231@alok.com>


AllEmailDeletedImmediately <derjda@hotmail.com> wrote:

> here's what i know:

Nope.

> my God has a Son name Christ Jesus.

You dont know that.

> islam's god does not.

Its the same god, stupid.

> therefore they cannot be the same god

Or it is the same god and its devotees cant get the basics right.

> and they are not, no matter how hard islam tries to horn in and claim it as so.

Just as true of the stupid xtians.

> allah IS NOT the same god as the God of the hebrew and christians.

Easy to claim. Hell of a lot harder to actually substantiate that claim.

In spades that there is any 'god' at all.



==============================================================================
TOPIC: Free Plant Seeds to Save Bees
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/069d01cc43edcd93?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Dec 2 2007 11:25 am
From: "TheBestFreebies.com"


Receive a free packet of wildflower seeds. Just follow the planting
instructions and soon you will have a pretty patch of flowers where
bees can live and thrive.

Together, we can fight Colony Collapse Disorder for The Greater Good.

--
The Best Freebies

All free products are available at http://TheBestFreebies.com/ and
are intended for families, businesses, and individuals residing in
the United States, Canada, and the United Kingdom.


==============================================================================
TOPIC: more laptop selection help
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/614f763badc82c6b?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Dec 2 2007 11:13 am
From: Paul Pluzhnikov


gheston@hiwaay.net (Gary Heston) writes:

> AllEmailDeletedImmediately <derjda@hotmail.com> wrote:
>>i'm not sure what the 32 and the 64 mean.
>
> How many bits form an instruction.

That is incorrect: for x86_64 Intel architecture, the shortest
instruction takes just 1 byte (e.g. '0xC3' == RET) and the longest
is at least 12 bytes long). The 64-bit refers to the size of
integer/address registers in the CPU, as the wikipedia page you
referenced correctly states.

> 32-bit code will run on 64-bit architectures, although not always very well.

Do you have an example of a 32-bit application running "not very well"
on an x86_64 CPU? (My experience has been that they run *better*
than their 64-bit coutnerparts, until the task becomes too large
for 32-bit application to handle.)

Cheers,
--
In order to understand recursion you must first understand recursion.
Remove /-nsp/ for email.

== 2 of 2 ==
Date: Sun, Dec 2 2007 12:59 pm
From: Logan Shaw


AllEmailDeletedImmediately wrote:
> if so, would there be an advantage to getting the turion 64x2 in terms of
> future software/hardware? i'm not sure what the 32 and the 64 mean.
> would software written for the 32 run on the 64? vice versa? is software
> most likely to be written for one over the other in the future? does it
> even affect the software? :) i'm thinking it might because i know there
> are terms like 32 bit platform and 64 bit platform and i think this might be
> what it refers to, but, i'm a real dummy when it comes to hardware :(

OK, here's my crack at an explanation. You know when you're filling out
a paper form and there is a blank for your last name, and it's (say) 15
letters long? For some people the blank isn't long enough and they have
to write only the first 15 letters of their last name. This can lead to
problems.

In computers, everything is basically ultimately a number, and the easiest
way to build a computer is to pick some standard size of number (i.e. a
maximum number of digits, just like the maximum number of letters in the
blank on the form) and use that for almost everything. That way everything
is standardized and a whole bunch of stuff can all work the same way. And
that makes it easier to build the hardware mainly, but also the software.

A "bit" is in fact a digit. In fact, it's a contraction of the words
"binary" and "digit". So 64-bit bits means 64 digits. Specifically,
it means *up to* 64 digits. A "64-bit" computer uses (up to) 64-digit
binary numbers for most things. A "32-bit" computer uses 32-digit binary
numbers, so there are certain things it can't do as easily.

To make things a little more complicated, computer engineers wanted to give
people the option of not wasting space, so they allow you to use smaller
numbers if that's all that's needed. That means a 32-bit computer can use
32-bit numbers, but it also can use 16-bit numbers and 8-bit ones. And a
64-bit computer can use 64-bit, 32-bit, 16-bit, and 8-bit numbers.

And then it gets more complicated than that: computers not only have the
ability to deal with numbers, but they have "instructions" as well. An
instruction is just a code where the computer knows that a certain number
means to do a certain thing. One number means "reset the whole computer",
another number means "add some numbers together", another means "copy
some data from here to there", and so on. Software is ultimately built
by stringing together millions of the right numbers, i.e. instructions,
so that the computer knows what to do, one step after another. Different
types of computers have different instructions, and a particular type of
computer's instructions are collectively known as an "instruction set".
And when you build a piece of software, you've got to build it out of
the right kind of instructions for the target computer to use. The
software has to match the instruction set on the computer that's going
to run it.

32-bit computers have different instructions sets than 64-bit computers.
With a 32-bit computer, the instructions are written as 32-bit numbers.
With a 64-bit computer, the instructions are written as 64-bit numbers.
That's the most important difference right there.

However, the manufacturers aren't stupid. They don't want their processor
to completely flop in the marketplace, so they make it so the 64-bit
machines can understand either 64-bit or 32-bit instructions. And most
of the people who make software assemble their software out of 32-bit
instructions because that will work on either type of computer. Eventually,
there will come a day when enough people have 64-bit computers that people
will start building their software out of 64-bit instructions, but that
doesn't happen very much right now because software people are also not
stupid and don't want their software to flop in the marketplace. (Some
software people offer both 32-bit and 64-bit versions of the same software,
but very few offer only 64-bit.)

So, bottom line is, the 64-bit computer can do everything that the 32-bit
computer can do, but it can also do some "64-bit type things" that a 32-bit
computer can't do. But since not everybody has 64-bit computers, 99.9%
of the software out there doesn't take advantage of "64-bit type things".
So for the next several years, you don't *need* a 64-bit computer.

Of course, as somebody else said, you almost can't buy anything *but*
a 64-bit computer these days, so it doesn't really matter. But now
you know.

- Logan


==============================================================================
TOPIC: Canned Mackerel
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f049abff31c44b3a?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Dec 2 2007 12:20 pm
From: Logan Shaw


PaPaPeng wrote:
> This is neat. I just bought a 115gm can of Mackerel, the flat can with
> a pull tab to open it. Included inside is a plastic fork so that I
> can eat from the can without further ado. Its a really brilliant
> idea.

How does the plastic fork not end up with fish juices and oil all over it?
Is there a barrier between it and the fish? Or do you just have to wipe
off the fork before using it?

- Logan


==============================================================================
TOPIC: How much do you really save turning down the thermostat?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e6b14ffb2d998b9e?hl=en
==============================================================================

== 1 of 4 ==
Date: Sun, Dec 2 2007 12:27 pm
From: Joe


I'm struggling with the idea between keeping my thermostat at 66
degrees which I need to wear at least two layers of clothing around my
house to feel comfortable and 69 degrees with which I can walk around
comfortably in a t-shirt. Has any actually calculated actual savings
of turning down the thermostat? I've read all the articles about how
you can save 10% per each degree you turn down your thermostat but I
would like to see if anyone actually have some real numbers to back me
up. I'm not sure it's worth $30 a month to live like this.

== 2 of 4 ==
Date: Sun, Dec 2 2007 12:42 pm
From: Vic Smith


On Sun, 2 Dec 2007 12:27:39 -0800 (PST), Joe <joe5345@gmail.com>
wrote:

>I'm struggling with the idea between keeping my thermostat at 66
>degrees which I need to wear at least two layers of clothing around my
>house to feel comfortable and 69 degrees with which I can walk around
>comfortably in a t-shirt. Has any actually calculated actual savings
>of turning down the thermostat? I've read all the articles about how
>you can save 10% per each degree you turn down your thermostat but I
>would like to see if anyone actually have some real numbers to back me
>up. I'm not sure it's worth $30 a month to live like this.

The problem is dealing with others in the house. I gave up trying to
convince them the savings was worth it.
The best I could get out of them was 69 degrees - and they're still
bitching.

--Vic

== 3 of 4 ==
Date: Sun, Dec 2 2007 1:00 pm
From: clams casino


Joe wrote:

>I'm struggling with the idea between keeping my thermostat at 66
>degrees which I need to wear at least two layers of clothing around my
>house to feel comfortable and 69 degrees with which I can walk around
>comfortably in a t-shirt. Has any actually calculated actual savings
>of turning down the thermostat? I've read all the articles about how
>you can save 10% per each degree you turn down your thermostat but I
>would like to see if anyone actually have some real numbers to back me
>up. I'm not sure it's worth $30 a month to live like this.
>
>


No hard figures, but logically there is a savings for any reduced temp
level (except with heat pumps).

I suggest using programmable thermostats with several daily time
adjustments. They should pay for themselves within months.

For a start, we have up and down zones / thermostats. During the day, we
keep the upstairs at 62 (doors shut so the heat from downstairs stays
primarily downstairs), with the heat increased to 68 early evening and
down to 66 about midnight.

Downstairs, we set the thermostat at 62 at 10pm & step up the temp to 66
about 4am, 67 at 8am, 68 and 3pm and 69 at 5pm. When we leave the
house, we drop the thermostat a few degrees and usually reset as we
enter. The thermostat is near the door we use most, so it's no bother
to hit the buttons up / down as desired. During the morning, 66-67 can
be comfortable, but there is always a chill about the time the sun drops
so the change helps keep the comfort..

This will not work with a heat pump (secondary heating will kill the
savings), but should work with gas & oil.

== 4 of 4 ==
Date: Sun, Dec 2 2007 1:04 pm
From: Jeff


Joe wrote:
> I'm struggling with the idea between keeping my thermostat at 66
> degrees which I need to wear at least two layers of clothing around my
> house to feel comfortable and 69 degrees with which I can walk around
> comfortably in a t-shirt. Has any actually calculated actual savings
> of turning down the thermostat?

Look up the degree days of heating for your locale for each month.

If you have 600 degree days in November, that would be 20 "degree
day", so you would save roughly 3/20 or 15%.

Jeff

I've read all the articles about how
> you can save 10% per each degree you turn down your thermostat but I
> would like to see if anyone actually have some real numbers to back me
> up. I'm not sure it's worth $30 a month to live like this.


==============================================================================
TOPIC: Free Dunkin' Donuts(r) Coffee
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e3934937368911bc?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Dec 2 2007 1:08 pm
From: "TheBestFreebies.com"


Taste test our delicious original blend flavor--it's on us.
Just fill out the information below to get a free coffee
sample mailed to you. You'll be dunkin' at home in no time.

One package | Original Blend Flavor | Medium Roast

--
The Best Freebies

All free products are available at http://TheBestFreebies.com/ and
are intended for families, businesses, and individuals residing in
the United States, Canada, and the United Kingdom.

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25 new messages in 6 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:

* more laptop selection help - 5 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/614f763badc82c6b?hl=en
* Canned Mackerel - 4 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f049abff31c44b3a?hl=en
* Living without a credit card - 13 messages, 11 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1543df3db7e868b6?hl=en
* Free Printable Grocery Coupons - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/73cd6f3d558b13ce?hl=en
* Coinstar Warning - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0a78df299577cc2f?hl=en
* Cheap Wholesale Shoes Sneakers MP3 Handbag Jeans Hoody T-shirts Nokia GPS (
www.globwholesale.com) - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/57894c2ba3cbda18?hl=en

==============================================================================
TOPIC: more laptop selection help
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/614f763badc82c6b?hl=en
==============================================================================

== 1 of 5 ==
Date: Sun, Dec 2 2007 7:26 am
From: "AllEmailDeletedImmediately"


thank you everyone who helped me out. i'm learning and getting there.

this is another question about the diff betw the turion 64x2 and the intel
core 2 duo. for what i do, i'd think either would work fine at this time.

i think i read that the intel is a 32x2; is that correct?

if so, would there be an advantage to getting the turion 64x2 in terms of
future software/hardware? i'm not sure what the 32 and the 64 mean.
would software written for the 32 run on the 64? vice versa? is software
most likely to be written for one over the other in the future? does it
even affect the software? :) i'm thinking it might because i know there
are terms like 32 bit platform and 64 bit platform and i think this might be
what it refers to, but, i'm a real dummy when it comes to hardware :(

i usually keep my computer until i really need a new one in terms of
software, so i'm trying to make sure that the one i get will be able to
handle future software as far into the future as possible.

thanks for all the help.


== 2 of 5 ==
Date: Sun, Dec 2 2007 7:53 am
From: Jeff


AllEmailDeletedImmediately wrote:
> thank you everyone who helped me out. i'm learning and getting there.
>
> this is another question about the diff betw the turion 64x2 and the intel
> core 2 duo. for what i do, i'd think either would work fine at this time.
>
> i think i read that the intel is a 32x2; is that correct?

Everything is 64 bit now from the big two.

You can't go wrong with Intel. Buy the AMD if there is a big price break
in your favor, or if it has features you want that the Intel doesn't.

Jeff
>
> if so, would there be an advantage to getting the turion 64x2 in terms of
> future software/hardware? i'm not sure what the 32 and the 64 mean.
> would software written for the 32 run on the 64? vice versa? is software
> most likely to be written for one over the other in the future? does it
> even affect the software? :) i'm thinking it might because i know there
> are terms like 32 bit platform and 64 bit platform and i think this might be
> what it refers to, but, i'm a real dummy when it comes to hardware :(
>
> i usually keep my computer until i really need a new one in terms of
> software, so i'm trying to make sure that the one i get will be able to
> handle future software as far into the future as possible.
>
> thanks for all the help.
>
>

== 3 of 5 ==
Date: Sun, Dec 2 2007 9:41 am
From: gheston@hiwaay.net (Gary Heston)


In article <r8A4j.3888$xB.1301@trndny06>,
AllEmailDeletedImmediately <derjda@hotmail.com> wrote:
>thank you everyone who helped me out. i'm learning and getting there.

>this is another question about the diff betw the turion 64x2 and the intel
>core 2 duo. for what i do, i'd think either would work fine at this time.

Either should be fine for you for years.

You can find some information about the differences between 32-bit and
64-bit architecures here:

http://en.wikipedia.org/wiki/64-bit

>i think i read that the intel is a 32x2; is that correct?

No, it's 64x2.

>if so, would there be an advantage to getting the turion 64x2 in terms of
>future software/hardware? i'm not sure what the 32 and the 64 mean.

How many bits form an instruction.

>would software written for the 32 run on the 64? vice versa? is software
>most likely to be written for one over the other in the future? does it
>even affect the software? :) i'm thinking it might because i know there
>are terms like 32 bit platform and 64 bit platform and i think this might be
>what it refers to, but, i'm a real dummy when it comes to hardware :(

32-bit code will run on 64-bit architectures, although not always very well.
The Core2Duo and the Turion will have no problem with it.

64-bit code will not run on 32-bit architectures, to my knowledge.

>i usually keep my computer until i really need a new one in terms of
>software, so i'm trying to make sure that the one i get will be able to
>handle future software as far into the future as possible.

The primary limitation is memory. Software _never_ gets smaller, so buy
a system that you can expand to 4GB when you need to. If you decide to
run Vista (not recommended), you should start with 1GB.

Get a CPU with a large cache--2MB minimum, 4GB is better; trade off clock
speed for more cache. Get a fast hard drive. You're not doing things that
push the limits of current technology, so the rest isn't critical.

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?

== 4 of 5 ==
Date: Sun, Dec 2 2007 10:34 am
From: "** Frank **"

"AllEmailDeletedImmediately" <derjda@hotmail.com> wrote in message
news:r8A4j.3888$xB.1301@trndny06...
> thank you everyone who helped me out. i'm learning and getting there.
>
> this is another question about the diff betw the turion 64x2 and the intel
> core 2 duo. for what i do, i'd think either would work fine at this
> time.
>
> i think i read that the intel is a 32x2; is that correct?
>
> if so, would there be an advantage to getting the turion 64x2 in terms of
> future software/hardware? i'm not sure what the 32 and the 64 mean.
> would software written for the 32 run on the 64? vice versa? is software
> most likely to be written for one over the other in the future? does it
> even affect the software? :) i'm thinking it might because i know there
> are terms like 32 bit platform and 64 bit platform and i think this might
> be what it refers to, but, i'm a real dummy when it comes to hardware :(
>
> i usually keep my computer until i really need a new one in terms of
> software, so i'm trying to make sure that the one i get will be able to
> handle future software as far into the future as possible.
>
> thanks for all the help.
>

Intel is eating AMD's lunch. Year-to-date, AMD loss over 50% of market value
while Intel gain almost 30%. AMD completes on price alone. As for me, I
think either chip would be ok, as I'm don't need the fastest machines any
longer, especially if AMD is much cheaper. Great prices, day after Xmas if
you're willing get up early to fight the lines.

As for bits and bytes, check this out:

http://en.wikipedia.org/wiki/64-bit

In particular, see the section on "32 vs 64 bit".


== 5 of 5 ==
Date: Sun, Dec 2 2007 10:38 am
From: Dennis


On Sun, 02 Dec 2007 15:26:15 GMT, "AllEmailDeletedImmediately"
<derjda@hotmail.com> wrote:

>thank you everyone who helped me out. i'm learning and getting there.
>
>this is another question about the diff betw the turion 64x2 and the intel
>core 2 duo. for what i do, i'd think either would work fine at this time.
>
>i think i read that the intel is a 32x2; is that correct?
>
>if so, would there be an advantage to getting the turion 64x2 in terms of
>future software/hardware? i'm not sure what the 32 and the 64 mean.
>would software written for the 32 run on the 64? vice versa? is software
>most likely to be written for one over the other in the future? does it
>even affect the software? :) i'm thinking it might because i know there
>are terms like 32 bit platform and 64 bit platform and i think this might be
>what it refers to, but, i'm a real dummy when it comes to hardware :(
>
>i usually keep my computer until i really need a new one in terms of
>software, so i'm trying to make sure that the one i get will be able to
>handle future software as far into the future as possible.
>
>thanks for all the help.
>

To run 64-bit applications, you would need to install a 64-bit OS.
Generally, you would only need 64-bit OS/applications if you needed
really large amounts of memory and did lots of crunching of big
numbers. I suspect that neither would be an issue for you with the
type of use you describe. Bottom line: either processor could
accomodate a 64-bit OS, but you likely will never need one so don't
sweat it.


Dennis (evil)
--
I'm behind the eight ball, ahead of the curve, riding the wave,
dodging the bullet and pushing the envelope. -George Carlin


==============================================================================
TOPIC: Canned Mackerel
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f049abff31c44b3a?hl=en
==============================================================================

== 1 of 4 ==
Date: Sun, Dec 2 2007 7:42 am
From: Al Bundy


PaPaPeng wrote:
> This is neat. I just bought a 115gm can of Mackerel, the flat can with
> a pull tab to open it. Included inside is a plastic fork so that I
> can eat from the can without further ado. Its a really brilliant
> idea. The can is packed inside a cardboard box labelled CanAsia of
> Thailand. Costs CDN1.59 from the Chinese grocery shop. I rarely
> snack between meals and canned fish is a snack I like, not too
> filling, is delicious, nutiritious, easy to digest and no preparation
> needed.

First let me thank you for not pasting 15 paragraphs unrelated to this
group.
I buy the 425g can of mackerel from Chile for 99¢. It sometimes goes
for as little as 79¢.
I maintain a few of those reusable metal forks.
I have not eaten "snacks" since I as 13 years old.

== 2 of 4 ==
Date: Sun, Dec 2 2007 10:07 am
From: "** Frank **"

"PaPaPeng" <PaPaPeng@yahoo.com> wrote in message
news:ivc5l31hld99qld0r22sn62bmtv9l92kcv@4ax.com...
>
>
> This is neat. I just bought a 115gm can of Mackerel, the flat can with
> a pull tab to open it. Included inside is a plastic fork so that I
> can eat from the can without further ado. Its a really brilliant
> idea. The can is packed inside a cardboard box labelled CanAsia of
> Thailand. Costs CDN1.59 from the Chinese grocery shop. I rarely
> snack between meals and canned fish is a snack I like, not too
> filling, is delicious, nutiritious, easy to digest and no preparation
> needed.

Cool, I wouldn't have thought mackerel as a snack. Wife just bought some
seaweed paper laced with wasabi as snack. Careful, it will clear sinus,
flush tear ducts and blow your brain at the same time - good to have during
boring company meetings.


== 3 of 4 ==
Date: Sun, Dec 2 2007 10:29 am
From: Dennis


On Sun, 02 Dec 2007 13:34:53 GMT, PaPaPeng <PaPaPeng@yahoo.com> wrote:

>
>
>This is neat. I just bought a 115gm can of Mackerel, the flat can with
>a pull tab to open it. Included inside is a plastic fork so that I
>can eat from the can without further ado. Its a really brilliant
>idea. The can is packed inside a cardboard box labelled CanAsia of
>Thailand. Costs CDN1.59 from the Chinese grocery shop. I rarely
>snack between meals and canned fish is a snack I like, not too
>filling, is delicious, nutiritious, easy to digest and no preparation
>needed.

I'd bring up the hazards of mercury, but I guess that ship has sailed.


Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally

== 4 of 4 ==
Date: Sun, Dec 2 2007 10:36 am
From: Anthony Matonak


Dennis wrote:
...
> I'd bring up the hazards of mercury, but I guess that ship has sailed.

Mercury is like lead... If it was bad for you they wouldn't put it in
so many things. :)

Anthony


==============================================================================
TOPIC: Living without a credit card
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1543df3db7e868b6?hl=en
==============================================================================

== 1 of 13 ==
Date: Sun, Dec 2 2007 7:54 am
From: Scott in SoCal


On Sun, 02 Dec 2007 08:06:37 -0500, Neil Jones
<castellan2004-atnews@yahoo.com> wrote:

>I have problem with credit cards. I flash them for gas, sometimes for
>lunch, groceries etc. They are the small ticket items but are
>accumulating on my balance. Now that I have accepted that I have a
>problem, I want to really wean out of this reliance on credit card.

Your problem is not credit cards per se. You problem is that you are
not living within your means. In general, paying with a credit card is
no worse than paying with cash (and sometimes better, since some
credit cards pay cash rewards for using them). The problems only come
in when you don't pay your balance in full each month.

>Please share with me if anyone in this forum had this problem and have
>successfully detached from the credit card. The balance is really
>stressing me out.

I had problems similar to yours many years ago, but my solution was to
stop spending more money than I earned. I still have all my credit
cards, BTW - I never cut them up or froze them in a block of ice or
any of that crap. Those are crutches for people who are too
weak-willed to stick to a spending plan. The real way to solve your
problem is to develop some fiscal discipline.

== 2 of 13 ==
Date: Sun, Dec 2 2007 8:04 am
From: The Etobian


On Sun, 02 Dec 2007 08:23:23 -0500, "Daniel T."
<daniel_t@earthlink.net> wrote:

>Neil Jones <castellan2004-atnews@yahoo.com> wrote:
>
>> I have problem with credit cards. I flash them for gas, sometimes for
>> lunch, groceries etc. They are the small ticket items but are
>> accumulating on my balance. Now that I have accepted that I have a
>> problem, I want to really wean out of this reliance on credit card.
>> Please share with me if anyone in this forum had this problem and have
>> successfully detached from the credit card. The balance is really
>> stressing me out.
>
>The credit card is not the problem, rather it is the fact that you are
>spending more than you make that is the problem.
>
>1) Plan your spending before you spend your money. At the beginning of
>the month, decide how much you are going to spend and what you are going
>to spend it on. Don't spend more than you are going to make that month.
>If you have a variable income, then don't spend more than you made last
>month. Try to aim for spending about 10% less.
>
>2) Track your credit card balance as carefully as you track your
>checkbook balance. It's a good idea to even keep an extra check register
>on hand for credit card purchases and write them in the register when
>you make a purchase.
>
>3) Make sure that your monthly statement balance is less this month than
>it was last month, do that every month and you *will* pay off the pesky
>card.

4) Build up your savings to at least 4 months take home pay. Use an
online banking account to get interest over 4%. You could also have
it direct deposited from your pay check. This money could be used for
emergencies (new heating system, major car repairs) so you wouldn't
have to use your credit card. Once you reach your savings goal,
continue to save but put anything over your 4 months reserve in
investment vehicles that could yiled higher than 4%. Keep your
reserve liquid so you have a ready source of emergency funds.

== 3 of 13 ==
Date: Sun, Dec 2 2007 8:42 am
From: George Grapman


Neil Jones wrote:
> Hello,
>
> I have problem with credit cards. I flash them for gas, sometimes for
> lunch, groceries etc. They are the small ticket items but are
> accumulating on my balance. Now that I have accepted that I have a
> problem, I want to really wean out of this reliance on credit card.
> Please share with me if anyone in this forum had this problem and have
> successfully detached from the credit card. The balance is really
> stressing me out.
>
>
> Thank you in advance for any help.
>


Get a debit card. You can use it just like a credit card except you
can not spend the money if you do not have it.
If you travel get a card that does not have fees when you use other
financial institutions (my credit union has no fees for ATM withdrawals
at almost any 7/11) or, for pocket money, use the card to buy something
at a large store and use the cash back option.

== 4 of 13 ==
Date: Sun, Dec 2 2007 8:55 am
From: "John A. Weeks III"


In article <9il5l31he6rs7dg3cvskkillvgp7a02bpa@4ax.com>,
The Etobian <pdcorcoran@myway.com> wrote:

> 4) Build up your savings to at least 4 months take home pay. Use an
> online banking account to get interest over 4%. You could also have
> it direct deposited from your pay check. This money could be used for
> emergencies (new heating system, major car repairs) so you wouldn't
> have to use your credit card. Once you reach your savings goal,
> continue to save but put anything over your 4 months reserve in
> investment vehicles that could yiled higher than 4%. Keep your
> reserve liquid so you have a ready source of emergency funds.

I believe that to be an error in logic. Having a huge amount of
cash sitting earning almost nothing is silly when the OP has a
credit card debt that is accumulating interest fees at the rate
of 21% to 29%. The best strategy is to do whatever is possible
to pay down this bill. If you have an extra 2 cents, send it
in and don't pay rip-off interest on it.

If a person is wealthy or has a very high income, they can afford
to make a mistake like letting cash sit around doing nothing. But
most work-a-day people don't have that luxury. They have to have
every dollar work twice as hard because they don't have all that
many dollars to start with, and they are going to need a million
or more in retirement funds to avoid starvation when they are 92
years old.

To summarize:

- don't set up an "emergency fund" or "rainy day fund" unless
you are wealthy or have a high income.

- do pay every last penny towards credit card debt (and to other
high rate debt that is above 7%).

- don't incur new debt except for a primary home, and then, make
sure that it is a reasonable debt that you can live with.

- once bills are paid off, save like mad for retirement.

- keep a credit card for emergencies.

- try to minimize emergencies.

- pay off the emergency bills as soon as possible.

Avoid the rainy day fund trap if you want to get out of debt.

-john-

--
======================================================================
John A. Weeks III 952-432-2708 john@johnweeks.com
Newave Communications

http://www.johnweeks.com
======================================================================

== 5 of 13 ==
Date: Sun, Dec 2 2007 9:35 am
From: clams casino


John A. Weeks III wrote:

>In article <9il5l31he6rs7dg3cvskkillvgp7a02bpa@4ax.com>,
> The Etobian <pdcorcoran@myway.com> wrote:
>
>
>
>>4) Build up your savings to at least 4 months take home pay. Use an
>>online banking account to get interest over 4%. You could also have
>>it direct deposited from your pay check. This money could be used for
>>emergencies (new heating system, major car repairs) so you wouldn't
>>have to use your credit card. Once you reach your savings goal,
>>continue to save but put anything over your 4 months reserve in
>>investment vehicles that could yiled higher than 4%. Keep your
>>reserve liquid so you have a ready source of emergency funds.
>>
>>
>
>I believe that to be an error in logic. Having a huge amount of
>cash sitting earning almost nothing is silly when the OP has a
>credit card debt that is accumulating interest fees at the rate
>of 21% to 29%. The best strategy is to do whatever is possible
>to pay down this bill. If you have an extra 2 cents, send it
>in and don't pay rip-off interest on it.
>
>If a person is wealthy or has a very high income, they can afford
>to make a mistake like letting cash sit around doing nothing. But
>most work-a-day people don't have that luxury. They have to have
>every dollar work twice as hard because they don't have all that
>many dollars to start with, and they are going to need a million
>or more in retirement funds to avoid starvation when they are 92
>years old.
>
>To summarize:
>
>- don't set up an "emergency fund" or "rainy day fund" unless
>you are wealthy or have a high income.
>
>- do pay every last penny towards credit card debt (and to other
>high rate debt that is above 7%).
>
>- don't incur new debt except for a primary home, and then, make
>sure that it is a reasonable debt that you can live with.
>
>- once bills are paid off, save like mad for retirement.
>
>- keep a credit card for emergencies.
>
>- try to minimize emergencies.
>
>- pay off the emergency bills as soon as possible.
>
>Avoid the rainy day fund trap if you want to get out of debt.
>
>-john-
>
>
>
I think it will be difficult to find a low risk, 4%+ bank account. A
better way (once all the credit card debt is paid off) may be to have
that 4-month money in a three or perhaps six month CD which are
currently paying above 4%. If a true emergency does arise, the CDs can
be tapped to pay off such emergency charges.

Our preferred method for an emergency fund was to make extra payments
against the mortgage where the (extra) equity could be made available
in case of emergencies. Fortunately that never materialized, but we
did use the equity to buy a few cars - much lower interest rate
(especially after deductions) vs. conventional loans. It's unlikely
one will find a minimal risk investment paying more than the mortgage
interest, especially if the investor is not using deductions via IRS
long form.

== 6 of 13 ==
Date: Sun, Dec 2 2007 9:39 am
From: Just A User


Neil Jones wrote:
> Hello,
>
> I have problem with credit cards. I flash them for gas, sometimes for
> lunch, groceries etc. They are the small ticket items but are
> accumulating on my balance. Now that I have accepted that I have a
> problem, I want to really wean out of this reliance on credit card.
> Please share with me if anyone in this forum had this problem and have
> successfully detached from the credit card. The balance is really
> stressing me out.
>
>
> Thank you in advance for any help.
>
> NJ
> ---------------------
> Random URL found on the Internet
> http://memoriter.net/flash/test.html
The simple solution for your /problem/ is stop using them. Or like I do
pay the complete balance every month. I have 6 cards that I use on a
rotating basis for normal expenses. I pay the balance off every month.

== 7 of 13 ==
Date: Sun, Dec 2 2007 9:49 am
From: "** Frank **"


> Can't help - Since I always pay all balance every month when due every
> month, I don't have any problems. In fact, by paying them off every
> month, I realize a good $500+ gain every year in rebates.
>

Wow, that is fantastic! Which card do you use and how much do you have to
spend to get back $500?


== 8 of 13 ==
Date: Sun, Dec 2 2007 10:28 am
From: "Rod Speed"


John A. Weeks III <john@johnweeks.com> wrote:
> In article <9il5l31he6rs7dg3cvskkillvgp7a02bpa@4ax.com>,
> The Etobian <pdcorcoran@myway.com> wrote:
>
>> 4) Build up your savings to at least 4 months take home pay. Use an
>> online banking account to get interest over 4%. You could also have
>> it direct deposited from your pay check. This money could be used
>> for emergencies (new heating system, major car repairs) so you
>> wouldn't have to use your credit card. Once you reach your savings
>> goal, continue to save but put anything over your 4 months reserve in
>> investment vehicles that could yiled higher than 4%. Keep your
>> reserve liquid so you have a ready source of emergency funds.

> I believe that to be an error in logic. Having a huge amount of
> cash sitting earning almost nothing is silly when the OP has a
> credit card debt that is accumulating interest fees at the rate
> of 21% to 29%. The best strategy is to do whatever is possible
> to pay down this bill. If you have an extra 2 cents, send it
> in and don't pay rip-off interest on it.

Correct, but you have an error in your logic too.

> If a person is wealthy or has a very high income, they can
> afford to make a mistake like letting cash sit around doing
> nothing. But most work-a-day people don't have that luxury.

Most do actually, they arent flying that close to the wind.

> They have to have every dollar work twice as hard because
> they don't have all that many dollars to start with,

Most 'work-a-day people' dont need to do that.

> and they are going to need a million or more in retirement
> funds to avoid starvation when they are 92 years old.

No one starves at that age in america.

> To summarize:

> - don't set up an "emergency fund" or "rainy day fund"
> unless you are wealthy or have a high income.

Those dont need one either. In fact its those in the middle
that may benefit from having one, but its much better done
using a home equity loan instead as long as you arent one
of the fools that spends everything they have access to.

> - do pay every last penny towards credit card debt
> (and to other high rate debt that is above 7%).

Thats not necessarily the best thing to do in some situations,
most obviously when you have a real financial unusual event.

> - don't incur new debt except for a primary home,

Thats arguable too. It makes some sense for some
people whose transport needs to be reliable to produce
their income to borrow to get that reliable transport too.

> and then, make sure that it is a reasonable debt that you can live with.

> - once bills are paid off, save like mad for retirement.

> - keep a credit card for emergencies.

The home equity loan is better for that, basically because it costs less for that money.

> - try to minimize emergencies.

> - pay off the emergency bills as soon as possible.

> Avoid the rainy day fund trap if you want to get out of debt.

Yep, a home equity loan makes a lot more sense for that.


== 9 of 13 ==
Date: Sun, Dec 2 2007 10:32 am
From: krw


In article <E1C4j.14638$so3.8242@newsfe18.lga>, PeterGriffin@drunkin-
clam.com says...
> John A. Weeks III wrote:
>
> >In article <9il5l31he6rs7dg3cvskkillvgp7a02bpa@4ax.com>,
> > The Etobian <pdcorcoran@myway.com> wrote:
> >
> >
> >
> >>4) Build up your savings to at least 4 months take home pay. Use an
> >>online banking account to get interest over 4%. You could also have
> >>it direct deposited from your pay check. This money could be used for
> >>emergencies (new heating system, major car repairs) so you wouldn't
> >>have to use your credit card. Once you reach your savings goal,
> >>continue to save but put anything over your 4 months reserve in
> >>investment vehicles that could yiled higher than 4%. Keep your
> >>reserve liquid so you have a ready source of emergency funds.
> >>
> >>
> >
> >I believe that to be an error in logic. Having a huge amount of
> >cash sitting earning almost nothing is silly when the OP has a
> >credit card debt that is accumulating interest fees at the rate
> >of 21% to 29%. The best strategy is to do whatever is possible
> >to pay down this bill. If you have an extra 2 cents, send it
> >in and don't pay rip-off interest on it.
> >
> >If a person is wealthy or has a very high income, they can afford
> >to make a mistake like letting cash sit around doing nothing. But
> >most work-a-day people don't have that luxury. They have to have
> >every dollar work twice as hard because they don't have all that
> >many dollars to start with, and they are going to need a million
> >or more in retirement funds to avoid starvation when they are 92
> >years old.
> >
> >To summarize:
> >
> >- don't set up an "emergency fund" or "rainy day fund" unless
> >you are wealthy or have a high income.
> >
> >- do pay every last penny towards credit card debt (and to other
> >high rate debt that is above 7%).
> >
> >- don't incur new debt except for a primary home, and then, make
> >sure that it is a reasonable debt that you can live with.
> >
> >- once bills are paid off, save like mad for retirement.
> >
> >- keep a credit card for emergencies.
> >
> >- try to minimize emergencies.
> >
> >- pay off the emergency bills as soon as possible.
> >
> >Avoid the rainy day fund trap if you want to get out of debt.
> >
> >-john-
> >
> >
> >
> I think it will be difficult to find a low risk, 4%+ bank account. A
> better way (once all the credit card debt is paid off) may be to have
> that 4-month money in a three or perhaps six month CD which are
> currently paying above 4%. If a true emergency does arise, the CDs can
> be tapped to pay off such emergency charges.

Five-month (six aren't as good for some reason) CDs are pretty easy
to find that yield well above 4%. I'm trying to park the proceeds
from my house and found several, the highest I've found was with my
CU, at 5.75%. For such a rainy-day, a short-term CD (amazingly
higher interest than a long-term) should work, along with a few
credit cards for emergency use.

> Our preferred method for an emergency fund was to make extra payments
> against the mortgage where the (extra) equity could be made available
> in case of emergencies. Fortunately that never materialized, but we
> did use the equity to buy a few cars - much lower interest rate
> (especially after deductions) vs. conventional loans. It's unlikely
> one will find a minimal risk investment paying more than the mortgage
> interest, especially if the investor is not using deductions via IRS
> long form.

You could do the same with a slush fund. I never liked borrowing
against my house, so didn't even for major repairs like a roof. That
equity, in my mind, was always for housing.

--
Keith

== 10 of 13 ==
Date: Sun, Dec 2 2007 10:36 am
From: krw


In article <_ISdnV-SdvmObc_anZ2dnUVZ_tKdnZ2d@comcast.com>,
noemall@xyz.net says...
> > Can't help - Since I always pay all balance every month when due every
> > month, I don't have any problems. In fact, by paying them off every
> > month, I realize a good $500+ gain every year in rebates.
> >
>
> Wow, that is fantastic! Which card do you use and how much do you have to
> spend to get back $500?
>
I won't be getting back anything close to $500 but likely over half
that before we're done. We recently moved and used an AmEx for
pretty much all those expenses, stuff needed for the new place, and
business expenses (hotels, food, computer,...). The (up to) two
month float is nice too.

--
Keith

== 11 of 13 ==
Date: Sun, Dec 2 2007 10:37 am
From: A Veteran


In article <_aWdnVQwb7GKM8_anZ2dnUVZ_gqdnZ2d@comcast.com>,
Neil Jones <castellan2004-atnews@yahoo.com> wrote:

> Hello,
>
> I have problem with credit cards. I flash them for gas, sometimes for
> lunch, groceries etc. They are the small ticket items but are
> accumulating on my balance. Now that I have accepted that I have a
> problem, I want to really wean out of this reliance on credit card.
> Please share with me if anyone in this forum had this problem and have
> successfully detached from the credit card. The balance is really
> stressing me out.
>
>
> Thank you in advance for any help.
>
> NJ
> ---------------------
> Random URL found on the Internet
> http://memoriter.net/flash/test.html

Some freeze their card (s) in a block of ice in the freezer.
then they have to go home and Microwave it to make a "spontaneous"
purchase.

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

== 12 of 13 ==
Date: Sun, Dec 2 2007 10:34 am
From: Paul Pluzhnikov


clams casino <PeterGriffin@drunkin-clam.com> writes:

> I think it will be difficult to find a low risk, 4%+ bank account.

Not really:
http://home.ingdirect.com/products/products.asp?s=OrangeSavingsAccount

Cheers,
--
In order to understand recursion you must first understand recursion.
Remove /-nsp/ for email.

== 13 of 13 ==
Date: Sun, Dec 2 2007 10:54 am
From: "Rod Speed"


krw <krw@att.bizzzz> wrote:
> In article <E1C4j.14638$so3.8242@newsfe18.lga>, PeterGriffin@drunkin-
> clam.com says...
>> John A. Weeks III wrote:
>>
>>> In article <9il5l31he6rs7dg3cvskkillvgp7a02bpa@4ax.com>,
>>> The Etobian <pdcorcoran@myway.com> wrote:
>>>
>>>
>>>
>>>> 4) Build up your savings to at least 4 months take home pay. Use
>>>> an online banking account to get interest over 4%. You could also
>>>> have it direct deposited from your pay check. This money could be
>>>> used for emergencies (new heating system, major car repairs) so
>>>> you wouldn't have to use your credit card. Once you reach your
>>>> savings goal, continue to save but put anything over your 4 months
>>>> reserve in investment vehicles that could yiled higher than 4%.
>>>> Keep your reserve liquid so you have a ready source of emergency
>>>> funds.
>>>>
>>>>
>>>
>>> I believe that to be an error in logic. Having a huge amount of
>>> cash sitting earning almost nothing is silly when the OP has a
>>> credit card debt that is accumulating interest fees at the rate
>>> of 21% to 29%. The best strategy is to do whatever is possible
>>> to pay down this bill. If you have an extra 2 cents, send it
>>> in and don't pay rip-off interest on it.
>>>
>>> If a person is wealthy or has a very high income, they can afford
>>> to make a mistake like letting cash sit around doing nothing. But
>>> most work-a-day people don't have that luxury. They have to have
>>> every dollar work twice as hard because they don't have all that
>>> many dollars to start with, and they are going to need a million
>>> or more in retirement funds to avoid starvation when they are 92
>>> years old.
>>>
>>> To summarize:
>>>
>>> - don't set up an "emergency fund" or "rainy day fund" unless
>>> you are wealthy or have a high income.
>>>
>>> - do pay every last penny towards credit card debt (and to other
>>> high rate debt that is above 7%).
>>>
>>> - don't incur new debt except for a primary home, and then, make
>>> sure that it is a reasonable debt that you can live with.
>>>
>>> - once bills are paid off, save like mad for retirement.
>>>
>>> - keep a credit card for emergencies.
>>>
>>> - try to minimize emergencies.
>>>
>>> - pay off the emergency bills as soon as possible.
>>>
>>> Avoid the rainy day fund trap if you want to get out of debt.
>>>
>>> -john-
>>>
>>>
>>>
>> I think it will be difficult to find a low risk, 4%+ bank account.
>> A better way (once all the credit card debt is paid off) may be to
>> have that 4-month money in a three or perhaps six month CD which are
>> currently paying above 4%. If a true emergency does arise, the CDs
>> can be tapped to pay off such emergency charges.
>
> Five-month (six aren't as good for some reason) CDs are pretty easy
> to find that yield well above 4%. I'm trying to park the proceeds
> from my house and found several, the highest I've found was with my
> CU, at 5.75%. For such a rainy-day, a short-term CD (amazingly
> higher interest than a long-term) should work, along with a few
> credit cards for emergency use.
>
>> Our preferred method for an emergency fund was to make extra
>> payments against the mortgage where the (extra) equity could be
>> made available in case of emergencies. Fortunately that never
>> materialized, but we did use the equity to buy a few cars - much
>> lower interest rate (especially after deductions) vs. conventional
>> loans. It's unlikely one will find a minimal risk investment
>> paying more than the mortgage interest, especially if the investor
>> is not using deductions via IRS long form.
>
> You could do the same with a slush fund. I never liked borrowing
> against my house, so didn't even for major repairs like a roof.

More fool you, it is the cheapest money available.

> That equity, in my mind, was always for housing.



==============================================================================
TOPIC: Free Printable Grocery Coupons
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/73cd6f3d558b13ce?hl=en
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== 1 of 1 ==
Date: Sun, Dec 2 2007 9:53 am
From: "TheBestFreebies.com"


Print brand name coupons and use them at your favorite store.
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--
The Best Freebies

All free products are available at http://TheBestFreebies.com/ and
are intended for families, businesses, and individuals residing in
the United States, Canada, and the United Kingdom.


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TOPIC: Coinstar Warning
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0a78df299577cc2f?hl=en
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== 1 of 1 ==
Date: Sun, Dec 2 2007 10:08 am
From: krw


In article <475247c0$0$28870$4c368faf@roadrunner.com>, lshaw-
usenet@austin.rr.com says...
> krw wrote:
> > ;-) A friend had his SO's son take back his cans a while back. He
> > grabbed over $80. I kid the friend that those were only his Bud cans
> > for one weekend. The friend at one time had some thing like $35K in
> > quarters and SBAs. He lived off them for over a year.
>
> $35,000 in quarters and Susan B. Anthonies? Wow. I can only imagine
> how much more money he would've had if he had taken those and deposited
> them in some sort of investment account every year or so. It seems safe
> to assume that it would take something like 10 years to accumulate that
> many coins. The interest on $35K over a period of 10 years is a lot.
> (Of course, not all of it would be earning interest for that long, but
> you get the idea.) He might've been able to live off it for 2 years.

Well, he was hiding the money from the IRS, because of some "issues"
that were later cleared up. I don't remember all the details (some
business he was involved in, but not a principal), except that he
finally got them off his case.

It's also a tad easier to move $35K that's in a bank, too. $35K in
coin is rather heavy. The springs on a 3/4 ton truck were riding
pretty low!

I met another guy that claimed to have $75K, or some such, in coin in
55gal drums in his garage. He was a salesman had a side-business
owning weight-fortune and such machines in Interstate rest-stops. He
figured that no one could steal the money even if they knew it was
there. ...though I didn't know him and he could have been talking
though a secondary orifice.

--
Keith


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TOPIC: Cheap Wholesale Shoes Sneakers MP3 Handbag Jeans Hoody T-shirts Nokia
GPS (www.globwholesale.com)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/57894c2ba3cbda18?hl=en
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== 1 of 1 ==
Date: Sun, Dec 2 2007 10:28 am
From: globwholesale15@126.com


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