Frugal Living: Dec 7, 2007

Friday, December 7, 2007

25 new messages in 17 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:

* http://www.silkonroad.com/air+jordan+1/ - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a3238c6f6428ca44?hl=en
* Shopping online (upcoming online discussion) - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/63de7ebd1c872210?hl=en
* Hot Sell Shoes, Jeans, Handbags,Hoody, T-shirts, Coat - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ac400572040c62e7?hl=en
* an alternative to a grass lawn - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c65e57af89773af2?hl=en
* buy cheap nike shox NZ OZ R2 R3 R4 R5 TN RIFT shoes clothe jean handbag $
19.99 www.netfashion2008.cn

==============================================================================
TOPIC: http://www.silkonroad.com/air+jordan+1/
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a3238c6f6428ca44?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Dec 7 2007 12:06 am
From: yuwenwu001@gmail.com

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==============================================================================
TOPIC: Shopping online (upcoming online discussion)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/63de7ebd1c872210?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Dec 7 2007 1:23 am
From: "aesthete8@hotmail.com"

http://www.washingtonpost.com/wp-dyn/content/discussion/2007/11/30/DI2007113001116.html

==============================================================================
TOPIC: Hot Sell Shoes, Jeans, Handbags,Hoody, T-shirts, Coat
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ac400572040c62e7?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Dec 7 2007 1:27 am
From: globwholesale@126.com

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==============================================================================
TOPIC: an alternative to a grass lawn
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c65e57af89773af2?hl=en
==============================================================================

== 1 of 3 ==
Date: Fri, Dec 7 2007 3:29 am
From: Just A User

Anthony Matonak wrote:
> A Veteran wrote:
>> Sand dune sedge a native plant.
>> Proven durable in texas , colorado and calif.
>> tolerates various soil conditions .
>> requires less water than a turf grass lawn.
>
> http://en.wikipedia.org/wiki/Xeriscaping
> : Xeriscaping refers to landscaping in ways that do not require
> : supplemental irrigation.
>
> I've seen a lot of rock gardens in place of lawns in Texas
> and some folks who just gave up completely and paved their
> lawns over with concrete.
>
> Anthony

Just let the land go to it's natural state, mow if needed.

== 2 of 3 ==
Date: Fri, Dec 7 2007 4:02 am
From: Jeff

Just A User wrote:
> Anthony Matonak wrote:
>> A Veteran wrote:
>>> Sand dune sedge a native plant.
>>> Proven durable in texas , colorado and calif.
>>> tolerates various soil conditions .
>>> requires less water than a turf grass lawn.
>>
>> http://en.wikipedia.org/wiki/Xeriscaping
>> : Xeriscaping refers to landscaping in ways that do not require
>> : supplemental irrigation.
>>
>> I've seen a lot of rock gardens in place of lawns in Texas
>> and some folks who just gave up completely and paved their
>> lawns over with concrete.
>>
>> Anthony
>
> Just let the land go to it's natural state, mow if needed.

I'm somewhere near there. You have to remove anything you don't want,
and trust me, stuff will grow that you don't want! I used to pull up the
japan grass, poke salad and wild strawberries (completely inedible) but
the drought has kept all of them from growing, well some Japan Grass...

I'm in a drought 4 zone (Atlanta) with a complete no watering ban.
Some established plants do OK. Rose of Sharon seems to do fine, my
butterfly bush is OK, the oak leaf hydrangia is doing fair, the regular
hydrangias are kaput. The roses are hanging in there and some of the
spices are fine.

Jeff

== 3 of 3 ==
Date: Fri, Dec 7 2007 5:02 am
From: Just A User

Jeff wrote:
> Just A User wrote:
>> Anthony Matonak wrote:
>>> A Veteran wrote:
>>>> Sand dune sedge a native plant.
>>>> Proven durable in texas , colorado and calif.
>>>> tolerates various soil conditions .
>>>> requires less water than a turf grass lawn.
>>>
>>> http://en.wikipedia.org/wiki/Xeriscaping
>>> : Xeriscaping refers to landscaping in ways that do not require
>>> : supplemental irrigation.
>>>
>>> I've seen a lot of rock gardens in place of lawns in Texas
>>> and some folks who just gave up completely and paved their
>>> lawns over with concrete.
>>>
>>> Anthony
>>
>> Just let the land go to it's natural state, mow if needed.
>
> I'm somewhere near there. You have to remove anything you don't want,
> and trust me, stuff will grow that you don't want! I used to pull up the
> japan grass, poke salad and wild strawberries (completely inedible) but
> the drought has kept all of them from growing, well some Japan Grass...
>
> I'm in a drought 4 zone (Atlanta) with a complete no watering ban.
> Some established plants do OK. Rose of Sharon seems to do fine, my
> butterfly bush is OK, the oak leaf hydrangia is doing fair, the regular
> hydrangias are kaput. The roses are hanging in there and some of the
> spices are fine.
>
> Jeff
Well right now I am in Florida, and the native grasses seem to do okay,
but there are so many northern'ers down here that try to grow the same
type of grass that grows wherever they are from that just doesn't grow
well here and they try to keep it alive by dumping massive amounts of
fertilizer and water into it that it must cost them hundred of dollars a
month to keep it green, I just don't see the sense.

I also own some land in TX that I am going to build a house on in the
future. It's west TX landscape (almost desert) but I will let most of it
go into it's natural state and just keep 30 to 40 feet around the house
with some type of low maintenance lawn.

==============================================================================
TOPIC: buy cheap nike shox NZ OZ R2 R3 R4 R5 TN RIFT shoes clothe jean
handbag $19.99 www.netfashion2008.cn

http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c1cc71481cf56760?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Dec 7 2007 4:02 am
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==============================================================================
TOPIC: buy cheap shoes ( www.shoes-ec.com)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a21ac4eaf9cb7adf?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Dec 7 2007 4:05 am
From: yifeng01@gmail.com

hello ! ! !welcome to visit our website:

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== 2 of 2 ==
Date: Fri, Dec 7 2007 4:09 am
From: yifeng03@gmail.com

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==============================================================================
TOPIC: Breakthrough - How To Turn Your Dull Website into Money Making Website
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1fb987dbd6c053e3?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Dec 7 2007 4:51 am
From: "jyoti81733@gmail.com"

Breakthrough - How To Turn Your Dull Website into Money Making Website

100% Free Tool to Improve your Conversion Rate & Boost Website Sales

ClickTale - Highly Recommended Tool to Boost Conversion Rates and Sell
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It provides wonderful HEATMAPS -A Movie on how a visitor scroll any
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* Lets you view movies of how each one of your visitors has been
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* Provides number of visitors to each page.
* How many pages on your website to which each visitor clicked.
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* Perhaps also final product offers at reduced prices.
* A forum of members so that you can talk to each other.

== 2 of 2 ==
Date: Fri, Dec 7 2007 8:35 am
From: Gene Seibel

On Dec 7, 6:51 am, "jyoti81...@gmail.com" <jyoti81...@gmail.com>
wrote:
> Breakthrough - How To Turn Your Dull Website into Money Making Website
>
> 100% Free Tool to Improve your Conversion Rate & Boost Website Sales
>
> ClickTale - Highly Recommended Tool to Boost Conversion Rates and Sell
> Products ...
>
> It provides wonderful HEATMAPS -A Movie on how a visitor scroll any
> webpage!
>
> * Lets you view movies of how each one of your visitors has been
> looking at your web page.
> * Provides number of visitors to each page.
> * How many pages on your website to which each visitor clicked.
> * How long each visitor stayed on your website.
> * The time spent on each part of your web page
> * The number of clicks made to each of the links on your pages.
> * The favorite entry pages on your site.
> * The exit pages on your website: great information for where to place
> exit pop-ups or final opt-in form offers.
> * Perhaps also final product offers at reduced prices.
> * A forum of members so that you can talk to each other.

What an informative post. Assuming of course, that no one wants to
contact you. ;)
--
Gene Seibel
Sue Seibel's Pillsbury Doughboys - http://pad39a.com/sue/doughboy.html
Because we fly, we envy no one.

==============================================================================
TOPIC: The sale of the old Guinness Super watches. LV packs. And hat. Clothes.
Some products, etc.The sale of the old Guinness Super watches. LV packs. And
hat. Clothes. Some products, etc.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/70540d5d54873543?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Dec 7 2007 7:07 am
From: swukong40@gmail.com

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==============================================================================
TOPIC: MAn X Project
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a37b71292bf0980b?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Dec 7 2007 7:38 am
From: "www.Man-X.org"

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==============================================================================
TOPIC: Franchise Broker Wanted
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3f8dfd52a917e7fb?hl=en
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== 1 of 1 ==
Date: Fri, Dec 7 2007 7:43 am
From: m2p3@mail.com

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TOPIC: Abn Amro Bank Personal Loans
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3d6842dc40d8f825?hl=en
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== 1 of 1 ==
Date: Fri, Dec 7 2007 7:50 am
From: Abel

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TOPIC: apartment vs. condo
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/79a5a7ff6098daba?hl=en
==============================================================================

== 1 of 4 ==
Date: Fri, Dec 7 2007 8:07 am
From: Tony Sivori

clams casino wrote:

> a good two years). On the other hand, it's likely cheaper to continue
> renting a smaller apartment (perhaps 1000 - 1200 ft) vs. jumping into a
> 2000 ft2+ home just to "save money", considering most will probably not

You consider a 1200 square foot apartment to be "smaller"? I've very
curious about the market and price ranges you're talking about. Where I'm
located, a 700 to 800 square foot two bedroom apartment is typical.

--
Tony Sivori

== 2 of 4 ==
Date: Fri, Dec 7 2007 8:49 am
From: Logan Shaw

clams casino wrote:
> For someone who will not have enough deductions to itemize (a clear
> majority of tax payers, especially perhaps < $50K), will there be a
> significant savings buying a condo vs. renting the same sized
> apartment considering maintenance fees, potential return on investment
> for the down payment & equity and the full cost of property taxes &
> mortgage interest vs. the eventually return on a typical condo. Or is
> the advantage of home ownership primarily due to itemizing which is
> obviously more of an advantage for higher income earners?

I don't think it's all about the mortgage interest deduction. Sure, that
makes a difference, but there are other factors as well. To me, one of the
biggest factors is that in 5 years, rents will have gone up some, but your
mortgage payment will be the same. Imagine what a difference there will
be in 10 years, 15 years, and especially when the mortgage is paid off.

As others have said, I wouldn't worry about the eventual return. For as
long as you have to worry about financial matters, you are always going
to have to worry about having a place to live. Unless you plan on
downgrading to a smaller place[1], the only thing you're ever going to
do with that equity is put it into your next place you live. So it's
basically never available. It doesn't mean anything except to whoever
inherits it.

As to whether it's worth it, I think it depends on the specifics. It
can be, or it might not be. What are the membership dues for the
condo association? How much are rents going to go up over time in
your area? How good of a price can you negotiate when you buy the
condo? What's your credit like and how high will the interest rate on
the mortgage be? Are the benefits to living in the condo over living
in the apartment (like thicker walls or neighbors not moving in and
out all the time) worth anything to you? To me, that kind of thing
is what it really depends on.

- Logan

[1] Or moving to a cheaper market, or getting a reverse mortgage, or
moving in with your kids when you get old, or marrying someone
who also owns a home and selling one of them.

== 3 of 4 ==
Date: Fri, Dec 7 2007 9:01 am
From: George Grapman

San Francisco has something called tenants in common. Any landlord
with a building of 6 or more units can offer to sell the building to his
renters. I think at las half have to accept. Those that accept are
basically condo owners with fees going for general upkeep. Those who
decline remain as renters with the same rights they had before and they
pay rent to the association formed by the owners.

Some states have laws that allow renters to stay on after a building
goes the condo route.

== 4 of 4 ==
Date: Fri, Dec 7 2007 10:24 am
From: Cindy Hamilton

On Dec 7, 11:07 am, Tony Sivori <TonySiv...@yahoo.com> wrote:
> clams casino wrote:
> > a good two years). On the other hand, it's likely cheaper to continue
> > renting a smaller apartment (perhaps 1000 - 1200 ft) vs. jumping into a
> > 2000 ft2+ home just to "save money", considering most will probably not
>
> You consider a 1200 square foot apartment to be "smaller"? I've very
> curious about the market and price ranges you're talking about. Where I'm
> located, a 700 to 800 square foot two bedroom apartment is typical.

No only that, but 1000-1200 sq-ft houses are easy to find, at least
around
here (southeast Michigan), so you can compare apples to apples on
housing costs.

I'd never rent. It's like pissing money down a hole and only enriches
the
landlord. In 10 years my house will be paid for, and then we'll see my
costs really drop. Plus, I get virtually complete control over my
environment:
nobody on the other side of the wall listening to us have sex, nobody
to burn
me out because they left the stove on, etc.

Cindy Hamilton

==============================================================================
TOPIC: New Real Estate Company
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/adace33e53f49581?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Dec 7 2007 8:18 am
From: timeOday

George Grapman wrote:
> And industry leaders always post from gmail .

My first thought was their incredible timing of jumping into real estate
just now. A bit late to the party I'd say.

== 2 of 2 ==
Date: Fri, Dec 7 2007 8:24 am
From: George Grapman

timeOday wrote:
> George Grapman wrote:
>> And industry leaders always post from gmail .
>
> My first thought was their incredible timing of jumping into real estate
> just now. A bit late to the party I'd say.

My guess is they will tell you how to obtain foreclosed property. A
friend almost fell for one of these things. A company was offering to
sell him lists of foreclosure auctions in his areas. This was
pre-internet but I told him to check the legal ads in the paper where
he found this.

==============================================================================
TOPIC: INTERNET CASH MAKING SOLUTIONS
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/89aa972c08ffd62f?hl=en
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== 1 of 1 ==
Date: Fri, Dec 7 2007 8:52 am
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== 1 of 1 ==
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3 new messages in 3 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:

* buy cheap AF1 shox 25year basketball new city 2007 shoes coat shirt belt
watches $19.99 www.silkonroad.com

- 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/80233911dd305ab2?hl=en
* Coinstar Warning - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0a78df299577cc2f?hl=en
* http://www.silkonroad.com/nike+shox+NZ/ - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/472653e8911cbd40?hl=en

==============================================================================
TOPIC: buy cheap AF1 shox 25year basketball new city 2007 shoes coat shirt
belt watches $19.99 www.silkonroad.com

http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/80233911dd305ab2?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 6 2007 11:18 pm
From: xiaoshifeng008@gmail.com

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TOPIC: Coinstar Warning
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0a78df299577cc2f?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 6 2007 11:32 pm
From: Bill

Here and Kickin' wrote:
>
> On Sat, 1 Dec 2007, The Real Bev wrote:
> >
> > Bill wrote:
> >
> >> The Real Bev wrote:
> >>>
> >>> The Coinstar machines here have NEVER not charged a fee.
> >>
> >> Real Coinstar machines that do not charge a fee when just
> >> converting coins to bills? I've never heard of that. How do they
> >> make their money?
> >
> > Some posters have said that Coinstar doesn't charge a fee when it issues a
> > store certificate instead of cash. I assume the store subsidizes it in some
> > way.
>
> Yeah, send the list over here. The Coinstar machines in my area do NOT
> issue store certificates. I could use the receipt printed by the machines
> to buy things from the store where the machine is located, however.
>
> I looked at the company's web site. The conpany does waive the fee if you
> buy a gift certificate for a national chain.
>
> -d

Right, I knew that (I recently cashed in $30 in quarters for an
Amazon gift certificate and got a $10 bonus certificate for
free). But that's not what Bev said. She said that the Coinstar
machines "here" have never charged a fee.

Bill

==============================================================================
TOPIC: http://www.silkonroad.com/nike+shox+NZ/
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/472653e8911cbd40?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Dec 7 2007 12:01 am
From: yuwenwu010@gmail.com

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Frugal Living

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Friday, December 7, 2007

25 new messages in 17 topics - digest

3 new messages in 3 topics - digest