Frugal Living: 16 new messages in 8 topics

Monday, January 21, 2008

16 new messages in 8 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: Soldering eyeglass Frames
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ffd45cd171f652d0?hl=en
==============================================================================

== 1 of 6 ==
Date: Sun, Jan 20 2008 9:06 pm
From: PaPaPeng

On Sun, 20 Jan 2008 02:21:31 +0000 (UTC),
vjp2.at@at.BioStrategist.dot.dot.com wrote:

>I can reasonably solder electronics although I get an occasional cold
>solder joint. I have this pair of glasses I didn't wear much which
>cracked near the temple joint. (The temple cracked). The repair shops
>ask too much, compared to what I paid for the glasses. I tried online
>to find temples, to no luck. So I'm considering soldering it. My
>uncle (a retired EE) told me it would never hold. Part of the problem
>is it cracked very near the screw joint. and so would suffer a lot
>more torque than if it was further back. Any tips?
>
> - = -
>
The only time I did it successfully was with an acetylene-air torch
and silver solder it. It needs to be heated red hot, the borax flux
melts. A touch of silver solder instantly melts and wicks into the
heated metal frame.

== 2 of 6 ==
Date: Sun, Jan 20 2008 9:11 pm
From: PaPaPeng

On Sun, 20 Jan 2008 04:34:20 -0500, Shawn Hirn <srhi@comcast.net>
wrote:

>True, but the OP could use the original lenses in new frames. There's no
>law that says a frame and lenses must be sold together.

The Dollar Store reading glasses have excellent eyeglass frames.
Marginally better ones (as in looks) can be got at the pharmacists for
$10 or less.

== 3 of 6 ==
Date: Sun, Jan 20 2008 10:37 pm
From: "JoeSpareBedroom"

"Richard J Kinch" <kinch@truetex.com> wrote in message
news:Xns9A2BDB008EB69someconundrum@216.196.97.131...
> Edwin Pawlowski writes:
>
>> Have you priced prescription glasses recently?
>
> Yep. Get them mailed here from offshore places like
> http://www.zennioptical.com/ where they do a first-class job.
>
> You're a sucker to pay the hometown optician racket any more.

Looks interesting, but do they do a perfect job with wacky prescriptions,
like bifocals with extreme astigmatism?

== 4 of 6 ==
Date: Sun, Jan 20 2008 11:19 pm
From: John Smith

Richard J Kinch wrote:
> Edwin Pawlowski writes:
>
>> Have you priced prescription glasses recently?
>
> Yep. Get them mailed here from offshore places like
> http://www.zennioptical.com/ where they do a first-class job.
>
> You're a sucker to pay the hometown optician racket any more.

Geesh!

I was truly unaware such existed. Where are these people located? Have
you done satisfactory business with them? The product is good?

As I type this, with my ~$600.00 glasses, I am beginning to wish I'd
known about this sooner!

Regards,
JS

== 5 of 6 ==
Date: Sun, Jan 20 2008 11:31 pm
From: "JoeSpareBedroom"

"John Smith" <assemblywizard@gmail.com> wrote in message
news:fn1h1d$2re$1@news.albasani.net...
> Richard J Kinch wrote:
>> Edwin Pawlowski writes:
>>
>>> Have you priced prescription glasses recently?
>>
>> Yep. Get them mailed here from offshore places like
>> http://www.zennioptical.com/ where they do a first-class job.
>>
>> You're a sucker to pay the hometown optician racket any more.
>
> Geesh!
>
> I was truly unaware such existed. Where are these people located? Have
> you done satisfactory business with them? The product is good?
>
> As I type this, with my ~$600.00 glasses, I am beginning to wish I'd known
> about this sooner!
>
> Regards,
> JS

Me, too. But, I've got an odd prescription (very nearsighted, bad
astigmatism, bifocals). A few years back, I tried to save some money. Pearl,
LensCrafters and Wal-Mart completely phuqued up the prescription, but all
said "We followed the numbers provided by the doctor". Well, not really.
Back to the usual expensive optician, who did a perfect job, as usual.

Fortunately, this little experiment cost me nothing but wasted time.

== 6 of 6 ==
Date: Sun, Jan 20 2008 11:42 pm
From: John Smith

JoeSpareBedroom wrote:

>> ...
>> Geesh!
>>
>> I was truly unaware such existed. Where are these people located? Have
>> you done satisfactory business with them? The product is good?
>>
>> As I type this, with my ~$600.00 glasses, I am beginning to wish I'd known
>> about this sooner!
>>
>> Regards,
>> JS
>
>
> Me, too. But, I've got an odd prescription (very nearsighted, bad
> astigmatism, bifocals). A few years back, I tried to save some money. Pearl,
> LensCrafters and Wal-Mart completely phuqued up the prescription, but all
> said "We followed the numbers provided by the doctor". Well, not really.
> Back to the usual expensive optician, who did a perfect job, as usual.
>
> Fortunately, this little experiment cost me nothing but wasted time.

JoeSpareBedroom:

I am sure you realize that did NOT actually answer the questions I
posed. Mainly why I asked, when I do business with off-shore
associates, I get a mastercard debit card, place an appropriate sum on
the card and handle it that way ...

Could you expand on what I previously asked, it would be greatly
appreciated?

Such as, you have a pair of these glasses which you find acceptable? I
do take your previous text as an affirmative, but would like concrete
confirmation--I know the money is small, which is at risk, still I don't
like being "stiffed."

Regards,
JS

==============================================================================
TOPIC: Boo-hoo for bloodsucking retailers
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/81b94728ed0f8519?hl=en
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== 1 of 2 ==
Date: Sun, Jan 20 2008 9:16 pm
From: "Rod Speed"

Logan Shaw <lshaw-usenet@austin.rr.com> wrote
> Jeff wrote

>> A lot of people don't understand just how rotten the underpinnings of the economy have become.

>> The value of the dollar has fallen by nearly half in the last 7 years. The credit markets are a mess, no one knows
>> the amount of risk in the debt. And the economy is kept sputtering along by cheap money and debt.

>> The DJIA closed at 12,100 friday and when "W"onder President was
>> inaugurated it was 10,700. 1 1/2 % a year, and that is the group that
>> has gotten the top deal.

> I'm not fond of the current US President. I voted for the other guy both times.

> And I think that GW has done a lot damage, possibly permanent damage, to the Bill of Rights.

No he hasnt.

> But let's not lose sight of the relevant facts. When Bush took
> office, possibly the biggest stock market bubble in US history
> was bursting. Stocks had been falling like a lead balloon for
> quite some time before he was even elected. And the rate at which they fell was getting worse and worse as time went
> on.

> Go take a look at this historical chart of the S&P 500:

http://finance.yahoo.com/q/bc?s=%5EGSPC&t=my&l=on&z=l&q=l&c=

> The overall shape you're going to see is a relatively smooth,
> straight line going gradually upwards. Starting in about 1985,
> the market just goes steadily up. Then in 1995, it veers off
> course and the value goes up like crazy. Then it drops, and
> eventually the correction finishes in about 2003. At that point,
> it resumes following the exact same line that it had followed
> before that.

> My point is that you're comparing a point near the peak of the
> Internet boom with a point that fits in much better with the
> longer term picture. Sure, right now there is a lot of worry,
> and the economy has problems, but when you take a wider view
> (literally -- when you scale the graph out to show more years),
> it looks like the point we're at now is less of an outlier than
> when Bush took office.

> So yeah, maybe the market only went up 1.5% per year during the time Bush was in office. But maybe that was the
> *right* *amount* for it to have gone up in that time considering how over-inflated it was when he got there.

And there is a lot more involved than just the stockmarket too.

== 2 of 2 ==
Date: Sun, Jan 20 2008 10:10 pm
From: don@manx.misty.com (Don Klipstein)

In article <47942483$0$31767$4c368faf@roadrunner.com>, Logan Shaw wrote:
>Jeff wrote:
>> A lot of people don't understand just how rotten the underpinnings of
>> the economy have become.
>>
>> The value of the dollar has fallen by nearly half in the last 7
>> years. The credit markets are a mess, no one knows the amount of risk in
>> the debt. And the economy is kept sputtering along by cheap money and debt.
>>
>> The DJIA closed at 12,100 friday and when "W"onder President was
>> inaugurated it was 10,700. 1 1/2 % a year, and that is the group that
>> has gotten the top deal.
>
>I'm not fond of the current US President. I voted for the other guy
>both times. And I think that GW has done a lot damage, possibly
>permanent damage, to the Bill of Rights.
>
>But let's not lose sight of the relevant facts. When Bush took
>office, possibly the biggest stock market bubble in US history
>was bursting. Stocks had been falling like a lead balloon for
>quite some time before he was even elected. And the rate at which
>they fell was getting worse and worse as time went on.
>
>Go take a look at this historical chart of the S&P 500:
>
>

http://finance.yahoo.com/q/bc?s=%5EGSPC&t=my&l=on&z=l&q=l&c=
>
>The overall shape you're going to see is a relatively smooth,
>straight line going gradually upwards. Starting in about 1985,
>the market just goes steadily up. Then in 1995, it veers off
>course and the value goes up like crazy. Then it drops, and
>eventually the correction finishes in about 2003. At that point,
>it resumes following the exact same line that it had followed
>before that.
>
>My point is that you're comparing a point near the peak of the
>Internet boom with a point that fits in much better with the
>longer term picture. Sure, right now there is a lot of worry,
>and the economy has problems, but when you take a wider view
>(literally -- when you scale the graph out to show more years),
>it looks like the point we're at now is less of an outlier than
>when Bush took office.
>
>So yeah, maybe the market only went up 1.5% per year during the
>time Bush was in office. But maybe that was the *right* *amount*
>for it to have gone up in that time considering how over-inflated
>it was when he got there.

I do want to add:

Go from the 1929 high to the 1971 high or the 1999-2000 high

Go from the 1932 low to the 1982 low

As for downside when you can put time into making stock investing pay
off from a young age - go from the 1929 high to the 1982 low.

Find what the S&P 500 did with dividends reinvested. It appears to me
to have given annual rate of return close to 9.5-9.8% from high-to-high or
low-to-low. Subtract from that the "expense ratio" of a major S&P 500
index mutual fund, such as the major such one offered by Vanguard.

Even from 1929 high to 1982 low the "broad stock market"
(with dividends reinvested) outperformed all savings accounts and
certificates of deposit, house prices, and most commodity prices. From
low to low or from high to high on decades scale, broad market stock
investing has even beaten precious metals and crude oil prices.

If you want a more-true USA "broad market" stock index mutual fund than
an S&P-500 one, Vanguard has "Index Total". That one invests into the
S&P 500 as well as (in my words) a "scientifically selected" sampling
of smaller stocks, which I found totally adequate. Last time I checked,
they charged 1/4% "transaction fee" to buy in to cover such extra expenses
as bid-ask-spreads of smaller stocks, though annual expense ratio has been
impressively low. The Vanguard "Index Total" is designed to track the
"Wilshire 5000", except for an impressively low annual expense ratio, and
with automatic reinvestment of dividends into purchasing more shares of
this mutual fund.

- Don Klipstein (don@misty.com)

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TOPIC: OT: Why I hate Geico ads
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c126ff8f6e76bda5?hl=en
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== 1 of 1 ==
Date: Sun, Jan 20 2008 10:46 pm
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Monday, January 21, 2008

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