Frugal Living: 17 new messages in 9 topics

Tuesday, January 1, 2008

17 new messages in 9 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: purchasing affordable health insurance
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3b58a29235321185?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Dec 31 2007 6:07 pm
From: someone@somedomain.invalid.com

>Check with your school. Some colleges offer a discount policy to
>students.

My present school has one, but when I transfer the current insurance will
not carry over. I can get my current insurance as an individual for my
transferring college, but will have to pay 400$ premium per month.

The school I am transferring to does not endorse any particular provider,
but requires their international students to purchase one. So, I have to
shop around to determine which is most affordable for someone like me.

Blue Cross Shield of Florida(http://www.bcbsfl.com/) has a premium of 126
per month with a deductible of 500 per individual and "No deductible for
in-network well care, but co-insurance for in-network services " It seems
if I visit a in-network provider most likely I will be charged 20% of the
cost? Did I understand it correctly?

Has anyone ever heard of this company Study USA Plan B and does this

http://www.serveglobe.com/insurance/affiliate/nriol/brochure/study-usa-
insurance.pdf seem legitimate?
I was told there is also HTH Worldwide
(http://www.hthstudents.com/insurance.cfm) which is 86 for standard(100$
deductible and basic medical is covered only 80% till 10K) and 116 for
preferred(100$ deductible and after basic medical of 5K, 80% till 245K).
Can anyone please advise if the companies are valid?

Also, how can I find if a health insurance company is legitimate and
treats their customers claims properly or not?

There are some other companies like

http://www.visitorsinsurance.com/international_student.php which offer
coverage upto 500K for 54$ monthly premium whose benefits are at

http://www.visitorsinsurance.com/patriotexchange_plan.php#Benefits
but they mention 100% in co-insurance. What might that mean?
I thought co-insurance is typically 10-20%, but 100% means I am
responsible for all costs? Am I understanding properly?

I would appreciate any advice in determining which insurance companies
are valid and handle claims properly.

Thanks

== 2 of 2 ==
Date: Mon, Dec 31 2007 6:17 pm
From: someone@somedomain.invalid.com

Rod Speed wrote

>Which part of 'the new college I am moving to does not offer health
>insurance
>to international students like me' are you having a problem with ?

I am moving from college A to college B. Presently, I have health
insurance through College A, but when I move to college B it will not
carry over as it was purchased as a group policy for college A students
only by college A. College B does not have any such health insurance
policies for its students, but requires its international students to
have health insurance. If I want to keep the same insurance which college
A provides me when I move to college B I have to get it as an individual
it is expensive about 300-400 per month for premium.

The problem is in finding a health insurance from a legitimate company
for an affordable price(less than 100) if possible which treats claims
properly so that I have health insurance for myself and to satisfy
college B's transfer requirements.

Thanks

==============================================================================
TOPIC: my brother-in-law's health insurance premium is going from $70/month to
$650/month starting in January
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/7698c1a871cd29ec?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Dec 31 2007 6:10 pm
From: "Leroy"

JL wrote:
>
> My questions are: how long would it take to get my brother-in-law
> signed up for Medicare/Medicaid, and do you think the private
> insurance co. will refund part of this ridiculous $650 premium for
> January?

You'd be advised to learn a bit about what Medicare and
Medicaid are. Start here, to see if BIL is eligible:
http://www.medicare.gov/default.asp

Then get on the phone, pronto.
contact info:

http://www.medicare.gov/ContactUs.asp

==============================================================================
TOPIC: www.wellnike.com sell nike jordan gucci air dunks
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9fa946a7b3162ded?hl=en
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== 1 of 1 ==
Date: Mon, Dec 31 2007 7:32 pm
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==============================================================================
TOPIC: Best prepaid or "Pay As You Go" cel plan for occasional user?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4dee5a0b0a1d2906?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Dec 31 2007 7:47 pm
From: Dean Hoffman <""dh0496\"@ine$br#as&ka.com">

Doc wrote:
> There are maybe half a dozen or fewer times a year when it might be
> convenient to have a cel phone, but I don't feel like tithing for a
> monthly fee for this little usage. Any opinions as to the best
> provider for a very occasional user?
>
> WalMart had something like 9 vendors on display, some of which seemed
> very pointedly aimed at the Hispanic market.
>
> Also wondering about issues like whether the given service is likely
> to be around for a while, how the service compares to other providers,
> if the phone itself is likely to work when I use it, etc. One of the
> complaints I keep seeing is customer service - activation being a
> hassle, reps somewhere in S. American who barely speak English.
>
> Thanks for all input.

You might take a look at Alltel. Their prepaid per minute
plan was 15¢/minute. They had a $4/month charge if the phone wasn't
used. One call lasting a minute would be enough to avoid the $4 charge.
I don't know if that's still the case. The bad thing about their
service is the need to double dial when roaming.

Dean

== 2 of 3 ==
Date: Mon, Dec 31 2007 9:44 pm
From: RobertPatrick

Shawn Hirn <srhi@comcast.net> wrote in news:srhi-
E65C33.09102630122007@newsgroups.comcast.net:

> In article
> <39351e0e-6585-4187-9e0b-792ec57599f3@a35g2000prf.googlegroups.com>,
> Doc <docsavage20@yahoo.com> wrote:
>
>> There are maybe half a dozen or fewer times a year when it might be
>> convenient to have a cel phone, but I don't feel like tithing for a
>> monthly fee for this little usage. Any opinions as to the best
>> provider for a very occasional user?
>>
>> WalMart had something like 9 vendors on display, some of which seemed
>> very pointedly aimed at the Hispanic market.
>>
>> Also wondering about issues like whether the given service is likely
>> to be around for a while, how the service compares to other providers,
>> if the phone itself is likely to work when I use it, etc. One of the
>> complaints I keep seeing is customer service - activation being a
>> hassle, reps somewhere in S. American who barely speak English.
>>
>> Thanks for all input.
>
> What's your definition of "best?"
>
> Where cell phone service is concerned, all bets are off if the reception
> is lousy in the area where you intend to use the cell phone most. Go
> with the service that offers the best reception. Talk with friends,
> neighbors, co-workers who are in your area to see what their experience
> is with the different cell phone carriers, then go for that carrier's
> pay as you go plan.

As much as I hate their customer service, if all goes well, then Tracfone
reception is the best. (well for me).

== 3 of 3 ==
Date: Mon, Dec 31 2007 10:19 pm
From: The Real Bev

SMS wrote:

> In general you want to avoid all the prepaid services sold at places
> like Wal-Mart. In particular, TracFone, Net10, Boost, Virgin, AT&T and
> Verizon InPulse should be avoided.
>
> Go to "http://www.prepaiduswireless.com/".
>
> There are basically three choices for very low cost and very low use.
> T-Mobile, which will cost you $100 the first year, but only $10 in
> subsequent years.

Perhaps a bit less. Last year Target had a sale on T-Mobile stuff --
for something like $90 you got a $100 top-up card, a free no-frills
phone and a $10 card. I have until March for them to have another sale,
but one of the survey groups pays me off in Target cards so the next
year will be free.

The supercheap dialarounds for LD landline service seem to have
evaporated. Either "billing fees" or exhorbitant per-call charges on
top of the reasonable per-minute charges seem to be the order of the day.

--
Cheers,
Bev
------------------------------------------------
There are 10 types of geek in this world,
those who understand binary and those who don't.

==============================================================================
TOPIC: Frugal house heating: better to keep the thermostat static night?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/674ef4c9a7457ae9?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Dec 31 2007 8:29 pm
From: Jeff

catalpa wrote:
> "Joe" <joe5345@gmail.com> wrote in message
> news:95a09070-9b83-4f4d-a58c-938605e7147b@e4g2000hsg.googlegroups.com...
>> At night I put my thermostat down to 62 degrees and my boiler (hot
>> water heat) basically doesn't cycle at all from 10pm to 7:30am when I
>> have it scheduled to heat the house back up to 66 degrees. Between
>> 7:30am and 9am the boiler cycles about 5-6 times in order to heat the
>> house back up to 66 degrees. My question: Is it better to just keep
>> the thermostat at 66 degrees all night? Normally it would cycle once
>> every 2 hours to maintain the temp - that would mean it would cycle a
>> minimum of 4 times during the night instead of 5 or 6 in the morning.
>> Anyone done any experimenting with this?
>
> Considering that hot water heat has a lag time, something about the
> information you provided doesn't make sense. In the 9.5 hours from 10 PM to
> 7:30 AM your house doesn't even lose 4 degrees,

I was struck by the same thing. Either the house is so well insulated he
doesn't need to worry about heating costs or, more likely, something is
screwy.

Another question is whether this a radiant floor, with a very long
time lag, or some other form of radiant.

If it's a radiant floor, the on / off set points should be moved
earlier as the floor takes a while to cool off, and then heat up again.

Jeff

but in the morning it can't
> keep a 66 degree temperature for more than 18 minutes. Sounds like the
> thermostat is turning off the heat too quickly after the temperature reaches
> or just approaches 66 degrees. You need a thermostat that has the proper
> margin (say plus/minus 1 to 1.5 degrees) around the setpoint to stop the
> short cycling in the morning. Sounds like your thermostat's current margin
> around the setpoint is a fraction of a degree.
>
> With a properly operating thermostat and heating system the setback at night
> is the best way to proceed.
>
>
>

== 2 of 2 ==
Date: Mon, Dec 31 2007 9:58 pm
From: Gene S. Berkowitz

In article <-cudnfLZRsSnGeTanZ2dnUVZ_qWtnZ2d@comcast.com>,
lpogodajr292185@comcast.net says...
>
> "Joe" <joe5345@gmail.com> wrote in message
> news:95a09070-9b83-4f4d-a58c-938605e7147b@e4g2000hsg.googlegroups.com...
> > At night I put my thermostat down to 62 degrees and my boiler (hot
> > water heat) basically doesn't cycle at all from 10pm to 7:30am when I
> > have it scheduled to heat the house back up to 66 degrees. Between
> > 7:30am and 9am the boiler cycles about 5-6 times in order to heat the
> > house back up to 66 degrees. My question: Is it better to just keep
> > the thermostat at 66 degrees all night? Normally it would cycle once
> > every 2 hours to maintain the temp - that would mean it would cycle a
> > minimum of 4 times during the night instead of 5 or 6 in the morning.
> > Anyone done any experimenting with this?
>
> I've never had hot water heat, so don't know if there are particular
> concerns with that type of heat that would mitigate against turning the heat
> down at night (like there are with an electric heat pump). But the general
> wisdom is that you save money by turning down the heat when you don't need
> it.
>
> I don't know what you mean by "cycle" but what counts is the total fuel
> consumed, not how many times the burner turns on. Presumably, the burner
> has two modes - off and on. So what would count here is the total burn
> time. My first guess approximation would be to compare the total burn time
> during the night when you don't turn down the heat against the total burn
> time in the morning when you do turn down the heat. I don't think one or
> two days is enough to form a valid comparison, and you should take degree
> days into account during the test period.

If the burner is cycling 6 times while the living area is still warming
up, I would say that the burner is running too high; it is heating the
furnace at a much higher rate than than the radiators are capable of
distributing it. And if it's taking 90 minutes to raise the temperature
4 degrees, either the radiators are too small, or the circulating pump
is.

If it's oil-fired, the cycles do count, as the burner is least efficient
at start-up. Even the best residential oil burners on the market do not
achieve complete combustion when igniting.

Check the service tag to see what nozzle size is installed; by using a
smaller nozzle, you lower fuel consumption, but prevent the burner from
heating the furnace so much faster than the radiators can remove it.
Unfortunately, most systems are sized for the coldest possible
conditions, which makes them oversized for TYPICAL conditions.

The problem with oil-fired hot water heat (which I have) is that most
furnaces maintain their internal water temp at the setpoint, regardless
of whether the living area thermostat is calling for heat. That means
that the burner might run several times during the night just to keep
the FURNACE warm, in case there is a call for heat.

Better control systems allow the furnace setpoint to be changed
dynamically, usually in response to the outside temperature, although it
would be a simple matter to put this under timer control as well.
There's no reason that the water temperature shouldn't be allowed to
drop by 20 to 50 degrees F during the night.

--Gene

==============================================================================
TOPIC: An Idea To Start The New Year
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2c742a4e5268a749?hl=en
==============================================================================

== 1 of 2 ==
Date: Mon, Dec 31 2007 8:44 pm
From: moonie1238@gmail.com

Get Control Of Your Time

The average person has absolutely no control of their time. When it
comes to managing this area of their lives, people tend to be
abysmal. Some might be competent when it comes to their working
hours. However, when their personal lives are factored in, they
receive a failing score.

Have you ever met someone who is consistently late? For whatever
reason, they are always 5-15 minutes behind. Of course, they will be
courteous by calling to let you know that they are running behind.
Yet the bottom line is that they never met you at the agreed upon
time. What is interesting is to note how these same people live their
lives in general. It seems that someone with this problem tends to
have a life that is a mess also. They cannot manage any aspect of
it. Their basic operation is to run from one situation to the next.
Amazingly, even though they are constantly busy, they appear to get
very little done.

There is a fundamental philosophy that comes true regardless of what
people do to get around it. Basically, if you do not get control of
your time, there is no way that you will ever have control in your
life. Failure to manage our time puts us in the position of
duplicating the aforementioned scenario. We move from one activity to
another without making any apparent progress. Our time is spent in a
continual state of emergency while we place our focus on the urgent
instead of the important. True success comes from being able to
handle those activities which have a meaningful impact upon our
lives. Getting to this point accelerates all our efforts in
everything we do.

There are two simple practices one can implement immediately to
garner a bit more control. The first involves keeping your word. It
is essential that we begin to do those things we say that we are going
to do at the time that we agreed upon. The habit of letting ourselves
off the hook is too easy a trap to fall into. We must raise our
standard of conduct in this area. Regardless of what else is
occurring, treating each time commitment as a life or death situation
will aid in creating a new habit. If we are consistently late, it is
a sign that we need to more attentive to the commitments that we
make. It is a good idea to initially cut back on some of the
activities we consent to. This relieves us of some of the pressure
which results in us operating at a harried pace.

The second area that can be immediately changed is to be conscious of
any perfectionism complex that we might have. Many people with time
management issues have an need to do everything perfectly. They will
continue with an activity far beyond the acceptable level of
performance. This stems from having a low self worth. To compensate,
they attempt to make their results extraordinary. Unfortunately, this
creates a situation where things take longer than they should. Watch
someone operating under this premise and you will see a task take 3
times as long as it should. The easiest way is to remember that a
great deal of success is derived from the simple act of completing
something. Often, others expectations are a lot less then ours. Give
them what they require, but allow yourself to be less than perfect.

Gaining control of our time instantly improves every area of our
lives. The more that we can focus our attention on those things which
are truly important to us, the fuller our lives will become. Some of
the most successful people operate at a pace that is fast yet
unhurried. People who are hurried tend to make senseless mistakes.
Careful consideration to how you are spending your time and what you
are agreeing to will show those tasks which are important to you. A
little planning will go a long way to achieving your ultimate end.

Dennis Harting is the Head Coach at Your Rich Life. He is an
acclaimed speaker, trainer, and best-selling author. His
international best selling books include Your Easiest Million and The
Ultimate Procrastination Handbook. He also has had thousands of
articles published worldwide. His programs and more information can
be found at

http://www.yourrichlifeinc.com.

== 2 of 2 ==
Date: Mon, Dec 31 2007 8:56 pm
From: "Rod Speed"

moonie1238@gmail.com wrote:

> Get Control Of Your Time

Get your spam shit out of this newsgroup.

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TOPIC: Free Werner ToolLasso with Beltclip
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f5b514c7e5534464?hl=en
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== 1 of 4 ==
Date: Mon, Dec 31 2007 10:25 pm
From: The Real Bev

FreebiesPl.us wrote:

> Free Werner ToolLasso with Beltclip
> http://www.freebies...

Now I see what others are complaining about. You click on this
asshole's link and you get half a dozen (maybe more) new tabs/windows
popping up offering crap. Bastard ought to be shot.

--
Cheers,
Bev
------------------------------------------------
There are 10 types of geek in this world,
those who understand binary and those who don't.

== 2 of 4 ==
Date: Mon, Dec 31 2007 10:49 pm
From: "Rod Speed"

The Real Bev <bashley101+usenet@gmail.com> wrote
> FreebiesPl.us wrote

>> Free Werner ToolLasso with Beltclip
>> http://www.freebies...

> Now I see what others are complaining about. You click on this
> asshole's link and you get half a dozen (maybe more) new tabs/windows popping up offering crap. Bastard ought to be
> shot.

Then do that. What are you, some sort of wimp or sumfin ?

== 3 of 4 ==
Date: Mon, Dec 31 2007 11:13 pm
From: Honey Flower Consultancy

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== 4 of 4 ==
Date: Mon, Dec 31 2007 11:14 pm
From: Honey Flower Consultancy

On Dec 31 2007, 6:06 pm, "FreebiesPl.us" <sa...@boostviews.com> wrote:
> Free Werner ToolLasso with Beltcliphttp://www.freebiespl.us/?p=387

HI this is too much to this country
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Tuesday, January 1, 2008

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