Frugal Living: 25 new messages in 11 topics

Tuesday, January 15, 2008

25 new messages in 11 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: Being The Frugal Person..What Did You Buy This Christmas?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23d6fe7a657db887?hl=en
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== 1 of 2 ==
Date: Tues, Jan 15 2008 1:20 pm
From: "Bob F"

"Too_Many_Tools" <too_many_tools@yahoo.com> wrote in message
news:168947b2-2e57-47e0-a106-76e08bd16163@s12g2000prg.googlegroups.com...
> Curious...as a frugal person what did you buy this Christmas?

Nothing.

== 2 of 2 ==
Date: Tues, Jan 15 2008 1:51 pm
From: Coffee's For Closers

In article <168947b2-2e57-47e0-a106-
76e08bd16163@s12g2000prg.googlegroups.com>,
too_many_tools@yahoo.com says...
> Curious...as a frugal person what did you buy this Christmas?

Absolutely nothing.

--
Want Privacy?
http://www.MinistryOfPrivacy.com/

==============================================================================
TOPIC: Plastic grocery bag debate question
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/76c040c2f7b9f6a6?hl=en
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== 1 of 1 ==
Date: Tues, Jan 15 2008 12:41 pm
From: Coffee's For Closers

In article <dzSij.41198$k27.10590@bignews2.bellsouth.net>,
pc@somewhere.com says...
> George wrote:
> > hchickpea@hotmail.com wrote:
> >> On Mon, 14 Jan 2008 17:00:00 -0500, pc <pc@somewhere.com> wrote:
> >>
> >>> Greetings group..
> >>>
> >>> I've seen news reports about a variety of cities in the US and China
> >>> banning, or planning to ban, plastic grocery bags [AKA teeshirt bags].
> >>
> >> And the proposed alternative is...?

> > No government requirement here but stores here offer inexpensive logoed
> > reusable canvas bags with carrying handles as an alternative.

> So..you buy the canvas bags to lug groceries home and buy garbage bags
> for all your house pails?

I combine the two. I usually bring my reusable bag. But
there are some times when I don't have it with me, so I receive
the disposable plastic bags then.

--
Get Credit Where Credit Is Due
http://www.cardreport.com/
Credit Tools, Reference, and Forum

==============================================================================
TOPIC: temporary health insurance for a recent graduate
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ca3c7cbfde6133a7?hl=en
==============================================================================

== 1 of 5 ==
Date: Tues, Jan 15 2008 1:24 pm
From: "Rod Speed"

h wrote:
> "Too_Many_Tools" <too_many_tools@yahoo.com> wrote in message
> news:9ba8fc16-752e-4dfc-af15-af2ae632af5f@z17g2000hsg.googlegroups.com...
> On Jan 13, 4:37 pm, Goomba38 <Goomb...@comcast.net> wrote:
>> clams_casino wrote:
>>> I fully agree. If you are a healthy young male, your likeliness of
>>> having a significant medical problem is nearly negligible (other
>>> than perhaps via traffic or job related accident, which should be
>>> covered elsewhere)
>>
>>> If you feel uneasy about having no coverage, I'd suggest the low
>>> premium / high deductible coverage if that helps you to sleep
>>> better.
>>
>> What insurance other than medical would cover him if he had a major
>> auto accident and he was at fault? Everyone should cover themselves
>> for such major hospitalization if nothing else, IMO. It should also
>> cover that odd appendix and the like.
>> The low premium, high deductible is ideal for a man this age.
>
>> You are a fool not to be covered for catastophic...it can happen to
>> ANYONE.
>
> But...if you're in the state of NY, you CAN'T get catastophic-only
> coverage, just full, HMO-style insurance. The state says they're
> trying to "protect" us, but if you're self-employed in NY you just
> can't get affordable/useful insurance. The best quote I could find
> was $5,000 a year with a $3,000 deductible, and then, only after
> you're out of pocket $8,000 each year do they begin to pay.

That is catastrophe only insurance.

> They only pay 40% and they NEVER pay ANYTHING for office visits, yet they say "you can see your own doctor". If I have
> to pay the whole bill, then of COURSE I can see any doctor I want. What's the point of insurance like that?

That it only covers catastophes, not routine visits to the doctor.

> I've only spent $1,500 on medical care since 1999 (10 stitches in the ER),

Thats pretty typical for someone of that age that isnt into high injury risk sports.

> and I've been putting the money I didn't have to spend on premiums into my Roth IRA. Insurance is a total scam. That
> said, I'm never sick, take no medications, and I don't believe in "check-ups".

Then all you need is catastrophe only insurance, and that is what that policy covers.

== 2 of 5 ==
Date: Tues, Jan 15 2008 1:29 pm
From: clams_casino

h wrote:

>"Too_Many_Tools" <too_many_tools@yahoo.com> wrote in message
>news:9ba8fc16-752e-4dfc-af15-af2ae632af5f@z17g2000hsg.googlegroups.com...
>On Jan 13, 4:37 pm, Goomba38 <Goomb...@comcast.net> wrote:
>
>
>>clams_casino wrote:
>>
>>
>>>I fully agree. If you are a healthy young male, your likeliness of
>>>having a significant medical problem is nearly negligible (other than
>>>perhaps via traffic or job related accident, which should be covered
>>>elsewhere)
>>>
>>>
>>>If you feel uneasy about having no coverage, I'd suggest the low premium
>>>/ high deductible coverage if that helps you to sleep better.
>>>
>>>
>>What insurance other than medical would cover him if he had a major auto
>>accident and he was at fault? Everyone should cover themselves for such
>>major hospitalization if nothing else, IMO. It should also cover that
>>odd appendix and the like.
>>The low premium, high deductible is ideal for a man this age.
>>
>>
>
>
>
>>You are a fool not to be covered for catastophic...it can happen to
>>ANYONE.
>>
>>
>
>But...if you're in the state of NY, you CAN'T get catastophic-only coverage,
>just full, HMO-style insurance. The state says they're trying to "protect"
>us, but if you're self-employed in NY you just can't get affordable/useful
>insurance. The best quote I could find was $5,000 a year with a $3,000
>deductible, and then, only after you're out of pocket $8,000 each year do
>they begin to pay. They only pay 40% and they NEVER pay ANYTHING for office
>visits, yet they say "you can see your own doctor". If I have to pay the
>whole bill, then of COURSE I can see any doctor I want. What's the point of
>insurance like that? I've only spent $1,500 on medical care since 1999 (10
>stitches in the ER), and I've been putting the money I didn't have to spend
>on premiums into my Roth IRA. Insurance is a total scam. That said, I'm
>never sick, take no medications, and I don't believe in "check-ups".
>
>
>
>
That was the whole premise for Hillary's heathcare plan. While there
will always be exceptions, most under 40 don't typically have enough
medical costs to exceed a typical heathcare plan beyond perhaps
occasional child birth costs, so their premiums can be used to subsidize
the older groups. With so many younger people opting out of medical
coverage, forcing them to purchase coverage could help to offset /
subsidize the higher costs of insuring the older groups.

== 3 of 5 ==
Date: Tues, Jan 15 2008 2:17 pm
From: Goomba38

Melinda Meahan - take out TRASH to reply wrote:
> Goomba38 wrote:
>>
>>> Look to every other industrialized country in this world. There's your
>>> suggestions and ideas on how to make it work. Insurance doesn't work -
>>> it's a scam. That's a fact.
>>
>> I think you meant it is a "business" rather than "scam"
>
> Well, I wouldn't call it a business. I would call it a gamble, and some
> gambles are closer to a scam than a business.
>
> As much as I detest the notion of government-sponsored health care, I
> have to concede that if health care was treated as a not-for-profit
> business, the cost of health care would certainly plummet.
>

I doubt it would plummet in reality, perhaps just your immediate
recognition of what you previously paid directly to the care provider?
Your taxes would increase, and services often decrease as it becomes
more rationed. Many in nationalized care countries pay extra for the
care they want.

== 4 of 5 ==
Date: Tues, Jan 15 2008 2:23 pm
From: Goomba38

h wrote:

> But...if you're in the state of NY, you CAN'T get catastophic-only coverage,
> just full, HMO-style insurance. The state says they're trying to "protect"
> us, but if you're self-employed in NY you just can't get affordable/useful
> insurance. The best quote I could find was $5,000 a year with a $3,000
> deductible, and then, only after you're out of pocket $8,000 each year do
> they begin to pay. They only pay 40% and they NEVER pay ANYTHING for office
> visits, yet they say "you can see your own doctor". If I have to pay the
> whole bill, then of COURSE I can see any doctor I want. What's the point of
> insurance like that? I've only spent $1,500 on medical care since 1999 (10
> stitches in the ER), and I've been putting the money I didn't have to spend
> on premiums into my Roth IRA. Insurance is a total scam. That said, I'm
> never sick, take no medications, and I don't believe in "check-ups".
>

Health Savings Accounts would be one idea you might benefit from?

As for never being sick, taking no medications and lack of any check-ups
whatsoever..... can I ask how old you are? While it is nice to be smug
about those things at 25, as one ages it becomes almost inevitable that
you'll need a tune up or something tweaked.

== 5 of 5 ==
Date: Tues, Jan 15 2008 2:55 pm
From: clams_casino

Goomba38 wrote:

> h wrote:
>
>> But...if you're in the state of NY, you CAN'T get catastophic-only
>> coverage, just full, HMO-style insurance. The state says they're
>> trying to "protect" us, but if you're self-employed in NY you just
>> can't get affordable/useful insurance. The best quote I could find
>> was $5,000 a year with a $3,000 deductible, and then, only after
>> you're out of pocket $8,000 each year do they begin to pay. They only
>> pay 40% and they NEVER pay ANYTHING for office visits, yet they say
>> "you can see your own doctor". If I have to pay the whole bill, then
>> of COURSE I can see any doctor I want. What's the point of insurance
>> like that? I've only spent $1,500 on medical care since 1999 (10
>> stitches in the ER), and I've been putting the money I didn't have to
>> spend on premiums into my Roth IRA. Insurance is a total scam. That
>> said, I'm never sick, take no medications, and I don't believe in
>> "check-ups".
>
>
> Health Savings Accounts would be one idea you might benefit from?
>
> As for never being sick, taking no medications and lack of any
> check-ups whatsoever..... can I ask how old you are? While it is nice
> to be smug about those things at 25, as one ages it becomes almost
> inevitable that you'll need a tune up or something tweaked.

true, but most won't be using $7-10K of medical until 60-70 +, with the
exceptions of perhaps heart attacks & some cancers.

I've been fortunately to have had company subsidized heath care for most
of my life. However, I'm not sure we ever used more in health care than
we ever paid as our portion of the annual premiums, deductibles, etc. I
doubt that we are atypical..

==============================================================================
TOPIC: Internet TV vs regular TV?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f04f08d896e09fd2?hl=en
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== 1 of 1 ==
Date: Tues, Jan 15 2008 1:28 pm
From: "Bob F"

<me@privacy.net> wrote in message
news:h4pno39ehhtm86eu5ub7treilreush3mp6@4ax.com...
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>
>>me@privacy.net wrote:
>>> Question...rather than viewing TV shows on your
>>> computer via TV signal input..... how possible is it to
>>> get TV shows right OFF the Internet period thereby
>>> bypassing the normal channels for TV anyway?
>>
>>Depends on what you want to watch. The popular fiction is fine,
>>other stuff like docos is much harder to find. Movies, effortless.
>>Some of the current affairs type stuff is much harder to find.
>>
>
> Unemployed..so can only afford either a new computer or
> an LCD TV
>
> And since I'm full time college student was hoping the
> new PC could "be" a TV as well by getting programming
> form Internet feed. No?

Get a TV tuner card and the right software (often included) and you can use your
computer as a PVR (personal video recorder)

==============================================================================
TOPIC: $8,000 Later - 5 Steps To Financial Freedom
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b53e6d66e321d69c?hl=en
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== 1 of 2 ==
Date: Tues, Jan 15 2008 1:32 pm
From: "ThomasConsultingCo@gmail.com"

If I died tomorrow, I would want you to know this.

http://www.squidoo.com/5-steps-to-financial-freedom

Warmest Regards and Win eM All

== 2 of 2 ==
Date: Tues, Jan 15 2008 2:11 pm
From: "Rod Speed"

ThomasConsultingCo@gmail.com wrote:

> If I died tomorrow, I would want you to know this.

No use to me, I've had financial freedom mostly likely since before you were even born thanks.

> http://www.squidoo.com/5-steps-to-financial-freedom
>
> Warmest Regards and Win eM All

==============================================================================
TOPIC: Top 5 Things To Ask About SPAM
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d7bc91433f0520e0?hl=en
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== 1 of 1 ==
Date: Tues, Jan 15 2008 1:38 pm
From: clams_casino

88059355 wrote:

>In the course of studying all of the different options
>

abuse@bluehost.com isn't going to like you using their server to spam
this newsgroup

==============================================================================
TOPIC: Why do people stay in overpriced real estate markets?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/56d80a4d61e1222e?hl=en
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== 1 of 2 ==
Date: Tues, Jan 15 2008 12:57 pm
From: Coffee's For Closers

In article <9m0no3tfrgis8mu5bheb897on0i82hvff2@4ax.com>,
hchickpea@hotmail.com says...
> I don't normally watch the home shows on tv anymore, but happened to
> watch a couple of them last night. One compared homes in Maui HI,
> Dallas TX, and San Fransisco CA.
>
> I know that circumstances dictate a lot of where people live, and some
> folks just can't live without a fix of seashore, mountains, big city
> life, etc., but surely not everyone is this way?
>
> A grad student and his wife were buying a $500K small condo near San
> Fransisco. How the f^&* are they going to pay the almost $2K mortgage
> payments and still have money for food, taxes, clothing, and
> everything else?
>
> $250K in Maui doesn't even get a person into the market. A million
> dollar home is a "starter" home.
>
> The only place that seemed anywhere near reasonable was Dallas, where
> a three million dollar home was a palace, and even the low end homes
> seemed nice.
>
> After watching this program and thinking about the mortgage "crisis,"
> I've come to a conclusion that it isn't a crisis at all, but a case
> where real estate costs in some areas are grossly out of proportion to
> incomes, and people have continued to buy-in to these markets.
>
> If a relative or friend of mine wanted to buy an 800 square foot condo
> in any area for $500K to a million, I'd be telling them "Here's yer
> sign!"
>
> What kind of shortsightedness has overtaken these millions of people?
> I think of the amounts of interest being paid, the taxes, the
> insurance, the riskiness of such over-the-top investments, and I shake
> my head in disbelief. Perhaps the mantra of real estate should be
> changed from location, location, location to stupidity, stupidity,
> stupidity.
>
> It isn't that we have a housing and mortgage crisis that occurred out
> of thin air, we have had a fever of speculation that is finally
> breaking.

There is your explanation right there, in that word -
"speculation." There are folks out there who simply cannot
comprehend the value of a house or condo going down. Or staying
stagnant, while inflation causes that amount of dollars to be
worth less. They absolutely assume that real estate is a
guaranteed, quick, easy, huge profit-maker.

Lots of people cannot see the overall big picture, because their
vision is blocked by the dollar-signs rolling up in their eyes.

And they want to buy NOW, because they don't have the patience or
attention span to think and act in terms of economic cycles
spanning several years or more.

If you try to warn them otherwise, they refuse to listen.

There is also snobbery. Some people don't have much to feel good
about within themselves. While, at the same time, they have a
craving to show superiority. So, they buy property (maybe the
cheapest apartment for which they can barely qualify on an ARM
time-bomb mortgage...) in order to feel cool, and to look down on
lowly tenants.

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

== 2 of 2 ==
Date: Tues, Jan 15 2008 3:49 pm
From: invalid@notreal.none (Beachcomber)

>There is your explanation right there, in that word -
>"speculation." There are folks out there who simply cannot
>comprehend the value of a house or condo going down. Or staying
>stagnant, while inflation causes that amount of dollars to be
>worth less. They absolutely assume that real estate is a
>guaranteed, quick, easy, huge profit-maker.
>
>Lots of people cannot see the overall big picture, because their
>vision is blocked by the dollar-signs rolling up in their eyes.
>
>And they want to buy NOW, because they don't have the patience or
>attention span to think and act in terms of economic cycles
>spanning several years or more.
>
>If you try to warn them otherwise, they refuse to listen.
>

And a lot of otherwise intelligent people would sign for a mortgage on
whatever terms their sub-prime lender served up for them. Many of
them were whipped into a frenzy and were afraid of missing out on
jumping on the home ownership train.

Everyone sort of gets into the act to encourage this "ownership at any
price mentality"... real estate agents don't want to sell you a house,
they want you to buy into having a home in a "neighborhood",
regardless of what you think you can afford. Appraisers and home
inspectors have a vested interest in turnover.

Beachcomber

==============================================================================
TOPIC: Most Frugal and Practical Pickup Truck?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1010359dbc3b29b0?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Jan 15 2008 2:39 pm
From: nick hull

In article <J08jj.3371$421.1934@news-server.bigpond.net.au>,
"Roger" <someone@microsoft.com> wrote:

> "Too_Many_Tools" <too_many_tools@yahoo.com> wrote in message
> news:b41fb467-5caf-4ccd-895a-6bd845cb95f9@t1g2000pra.googlegroups.com...
> >I am considering getting my next pickup truck...what is in your
> > opinion the best candidate for a frugal and practical pickup truck?
> >
> > Thanks
> >
> > TMT
>
> A 1958 Landrover diesel with a dropside tray.
> Frugal - has 4 wheels, 3 seats, sometimes 2 doors - they come (fall) off
> very easily, sometimes a windscreen - folds flat under heavy braking, canvas
> roof - rolls back on hot days, engine runs forever on a range of oily
> substances from diesel to used chip oil from McDonalds.
>
> Has amazing Chick pulling properties - they dont realise you are kidnapping
> them as they are laughing so much.
>
> Well you did ask.

I did well with my 1970 chev 1 ton I bought for $700 many years ago.
Lots of rust, still runs and has hauled a bull weighing close to a ton ;)

Free men own guns - www(dot)geocities(dot)com/CapitolHill/5357/

== 2 of 3 ==
Date: Tues, Jan 15 2008 2:41 pm
From: Seerialmom

On Jan 15, 11:25 am, Too_Many_Tools <too_many_to...@yahoo.com> wrote:
> I am considering getting my next pickup truck...what is in your
> opinion the best candidate for a frugal and practical pickup truck?
>
> Thanks
>
> TMT

1987 Nissan Hardbody, bought mine for $1100...needs a paint job but
that's all. Still see ton's of those being driven by the "lawnmowers"
out there, too.

== 3 of 3 ==
Date: Tues, Jan 15 2008 3:35 pm
From: Trevor Jones

Too_Many_Tools wrote:
> On Jan 15, 2:06 pm, James <jl...@idirect.com> wrote:
>
>>On Jan 15, 2:25 pm, Too_Many_Tools <too_many_to...@yahoo.com> wrote:
>>
>>
>>>I am considering getting my next pickup truck...what is in your
>>>opinion the best candidate for a frugal and practical pickup truck?
>>
>>>Thanks
>>
>>>TMT
>>
>>Too many unanswered questions. Why do you want/need a pickup, whats
>>the biggest load you will carry/tow, whats the max passengers you
>>carry etc.
>>
>>Domestic pickups are pretty price competitive given the market.
>>
>>If can fit your needs, the Ford Ranger is being heavily discounted as
>>its discontinued. Good on gas. I've rented one and it was fine.
>>
>>Of course you know that pickup brands are a dangerous territory
>>becuase people have life long prejudicies. My father grew up with
>>Chevies and will never have anything else. My brother has driven Fords
>>since 1980. Neither would buy a Dodge. Pickups tend to gather long
>>term loyalties.
>>
>>James
>
>
> So did cowboys to their horses...;<)
>
> I NEED a pickup ;<)...I haul too many items that would not fit inside
> a car and the spontaneous nature of the hauling (like finding that
> special tool hundreds of miles from home) means that a car-trailer
> combo won't work.
>
> As for the price competitiveness of domestic pickups, I am not sure on
> that. Try finding an used domestic pickup in good shape at a
> reasonable price...it takes years to find a good match with that
> criteria.
>
> Brand wise I do not care as long as long term maintainance costs are
> low.
>
> TMT

Reasonably new, used domestic trucks kind of suck, as they cost only a
little less than you can get a new truck for. When you factor in nearly
free financing, from the maker, you can do pretty well there.

There is a wide gap between the price of new, and the low end of the
market, where it costs you for the price of purchase, then it costs you
dear for repairs or perpetual problems. It has been my experience that
the middle ground, is a poor place to shop.
After that, in the low end, you have to be willing and able to twist
your own wrenches for the majority of things that might go wrong, and be
accepting of the other less urgent needs of the truck. Must resist urge
to run to the dealer because the check engine light is on! :-)

You nedd a little beater truck, or you gotta pull a fifth wheel with it?

Cheers
Trevor Jones

==============================================================================
TOPIC: Best cheap LED flashlight from Walmart?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/289e1ab2c0f56d4c?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Jan 15 2008 2:23 pm
From: skarkada@gmail.com

Here is a $8 flashlight for you to look at.

http://www.edealinfo.com/cgi-bin/meritline.cgi?21-leds-aluminum-flashlight-gun-metal

== 2 of 2 ==
Date: Tues, Jan 15 2008 2:26 pm
From: skarkada@gmail.com

On Jan 15, 4:23 pm, skark...@gmail.com wrote:
> Here is a $8 flashlight for you to look at.
>
> http://www.edealinfo.com/cgi-bin/meritline.cgi?21-leds-aluminum-flash...

Oops, there is more to it than just the above URL.
________________________
Meritline.com is carrying this Aluminum Flashlight for $15.99
During checkout, apply 50% off special coupon code "M24805650POFF" on
it (Expires 01/15/2008)
Meritline.com is offering Free Shipping on this item
Your Final Price: $15.99 - 50% = $8.00 + Free Shipping

==============================================================================
TOPIC: OT: Why I hate Geico ads
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c126ff8f6e76bda5?hl=en
==============================================================================

== 1 of 5 ==
Date: Tues, Jan 15 2008 2:59 pm
From: TomAldrich@newshosting.com

On 15-Jan-2008, "Green Xenon [Radium]" <glucegen1@excite.com> wrote:

> Fuck geico's piece of shit ads.

I'm just sick and tired of seeing the fuckin ads all the time.

== 2 of 5 ==
Date: Tues, Jan 15 2008 3:23 pm
From: "John A. Weeks III"

In article <478d3ad3$0$28185$9a6e19ea@unlimited.newshosting.com>,
TomAldrich@newshosting.com wrote:

> On 15-Jan-2008, "Green Xenon [Radium]" <glucegen1@excite.com> wrote:
>
> > Fuck geico's piece of shit ads.
>
> I'm just sick and tired of seeing the fuckin ads all the time.

Cool, a "yellow dog" posting. You see the GEICO ads because
(1) the ads work very well, and (2) you choose to see them.
There are easy ways to skip commercials, and those that still
watch commercials do so by choice as a result.

-john-

--
======================================================================
John A. Weeks III 612-720-2854 john@johnweeks.com
Newave Communications http://www.johnweeks.com

======================================================================

== 3 of 5 ==
Date: Tues, Jan 15 2008 3:34 pm
From: "Joel Olson"

<TomAldrich@newshosting.com> wrote in message
news:478d3ad3$0$28185$9a6e19ea@unlimited.newshosting.com...
>
> On 15-Jan-2008, "Green Xenon [Radium]" <glucegen1@excite.com> wrote:
>
>> Fuck geico's piece of shit ads.
>
> I'm just sick and tired of seeing the fuckin ads all the time.
>

Maybe that's why they're more expensive than damn near anyone else.

-------------------
For almost 70 years the life insurance industry has been a smug sacred cow
feeding the public a steady line of sacred bull. - Ralph Nader
-------------------

== 4 of 5 ==
Date: Tues, Jan 15 2008 3:39 pm
From: "Green Xenon [Radium]"

John A. Weeks III wrote:
> In article <478d3ad3$0$28185$9a6e19ea@unlimited.newshosting.com>,
> TomAldrich@newshosting.com wrote:
>
>> On 15-Jan-2008, "Green Xenon [Radium]" <glucegen1@excite.com> wrote:
>>
>>> Fuck geico's piece of shit ads.
>> I'm just sick and tired of seeing the fuckin ads all the time.
>
> Cool, a "yellow dog" posting. You see the GEICO ads because
> (1) the ads work very well, and (2) you choose to see them.
> There are easy ways to skip commercials, and those that still
> watch commercials do so by choice as a result.
>
> -john-
>

Not everyone has the luxury of being able to skip commercials. I am one
of these unfortunate ones. When I am watching an excellent show or movie
and it is interrupted by crap like those Geico ads, it really irritates me.

== 5 of 5 ==
Date: Tues, Jan 15 2008 3:55 pm
From: "John A. Weeks III"

In article <478d4419$0$31787$4c368faf@roadrunner.com>,
"Green Xenon [Radium]" <glucegen1@excite.com> wrote:

> John A. Weeks III wrote:
> > In article <478d3ad3$0$28185$9a6e19ea@unlimited.newshosting.com>,
> > TomAldrich@newshosting.com wrote:
> >
> >> On 15-Jan-2008, "Green Xenon [Radium]" <glucegen1@excite.com> wrote:
> >>
> >>> Fuck geico's piece of shit ads.
> >> I'm just sick and tired of seeing the fuckin ads all the time.
> >
> > Cool, a "yellow dog" posting. You see the GEICO ads because
> > (1) the ads work very well, and (2) you choose to see them.
> > There are easy ways to skip commercials, and those that still
> > watch commercials do so by choice as a result.
> >
> > -john-
> >
>
> Not everyone has the luxury of being able to skip commercials. I am one
> of these unfortunate ones. When I am watching an excellent show or movie
> and it is interrupted by crap like those Geico ads, it really irritates me.

I am so sorry that you are paralyzed and cannot move a single finger
to press a single button on the remote control to skip a commercial.
Or did I miss something in your posting and you are not paralyzed?

-john-

--
======================================================================
John A. Weeks III 612-720-2854 john@johnweeks.com
Newave Communications http://www.johnweeks.com

======================================================================

==============================================================================
TOPIC: HONESTO AND VERY EASY MONEY!!!!!what to in a year and did so in less
than a month
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cdd943a4be224525?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jan 15 2008 3:13 pm
From: gustarmas

Automatically translated text:
AND QUICK!
30 $ 30 DOLLARS. EARN MONEY AND SO $ H ONESTA
Fec A FRIEND (A) has: Mond! EUROS OR INVEST ay, 26 OCTOBER 2007
HOLA
Read this notice, surely you.
This is a great opportunity, to the extent that participants are
HONESTOS SOLIDARIOS And, since there is NO INTERMEDIATE only
Direct contact between persons interested ... This is a way
Honest attempt to improve our economic situation. It will take you
About 5 minutes to read this article and you will see that you
Interested.
If you really want to know if this works, just look at eople how many
p
Is doing this ... If this does not convince you, nothing will
not !!!!!...
Let this opportunity pass. If you want to read it several times until
Convince you ... I do not believe, but I am now convinced and
Improving my ECONOMIC SITUATION !!!!!, which was quite
Bad ... It has nothing to lose, but much to gain.
You will notice that something is truly ingenious, it is you and
Will earn a few euros or dollars and only need to invest! $
30 euros or $ 30 dollars! ... And this is nothing compared to what
Or report you could win if you take a little time and
Sacrifice ...
Remember that people only need SERIOUS, AND WITH GOOD HONESTAS
INTENSIONES ...!! BUSINESS FOR MAKING THIS IS NOT MAKE THE ROMPA
CHAIN !!...
NOW YOU EXPLICO AS CONOCI ON THIS SYSTEM ...
While sailing in a page news himself as what you
You are doing now ... I found an article like this,
Which read: "! YOU CAN WIN THOUSANDS OF DOLLARS IN FEW WEEKS WITH
AN INVESTMENT OF $ 30 OR $ 30 EUROS DOLLARS !"...
Then I thought: "How OH, NO, MORE ANOTHER SCAM?", But like most
Us, "curiosity might more", then went on reading ...
"You send $ 5 euros, or $ 5 dollars to each of the names
And addresses mentioned in this article ...
"After this, write your NAME AND ADDRESS at the end of the list,
Replacing the # 6 and I sent this article or put in at least 200
NEWSGROUPS (there are thousands of these on the Internet )"...
After thinking over and over again and consult with friends,
I decided to try it, I thought that the only thing that could lose
were 6
Mail stamps and $ 30 euros or dollars ...
As many of us probably felt a little concerned about the
Legality of this. Then I consulted the Local Mail and I
Confirmed that, in fact it was legal !!!!... I was astonished and
My immediate investing $ 30 euros ... INMAGINENSE THAT !!!!!...
Several days
Later, I began to receive mail MONEY !!...
I was happy as a child with a new toy and very surprised !!!!!...
And I thought that this would end in a few days and tried to forget
the
Matter, in any case had already recovered investment, but the money
Still coming !!!!!... In my first week I made between $ 100 and $ 300
Euro. By the end of the second week, had a total of $
5000 (thousand euros )!!!!!... NOT BELIEVE PODIA !!!!!... In the
fourth
Week, $ 25,000 (twenty five thousand euros) and were still
coming !!!!!.
In the fourth week, I had a total of $ 65000 euros and this continues
Arriving each day, the faster (in my house is the opening pass
Envelopes and I getting "NEWSGROUP").
THIS IS SERIOUSLY PUSO ... NOW PERMITEME EXPLICARTE THIS AND HOW IT
WORKS
THE MOST IMPORTANT, THE EXCELENTEMENTE WHY IT WORKS:
Step # 1: Get 6 sheets of paper and write to each one of them "PLEASE
INCLUIRME AT ITS LIST OF CORRESPONDENCE OR E-MAIL. "Then write
Your NAME, ADDRESS AND EMAIL (E-MAIL). NOTE: This
LEGAL is what makes the system since it is paying for the
Service to be included on a mailing list.
Now get 6 tickets for $ 5 euros, or $ 5 and enter the
5euros dollars or an envelope with the road, enveloping the ticket
with the
Sheet, so that the ticket is not through on !!...
It is better that the role is of a dark color to prevent thefts
Correlation. ¡¡¡¡¡ SL SUMAMENTE IMPORTANT THAT !!!!! Otherwise
Way, the people working in the mail, which could detect
Deals with money and stay with the thousands of envelopes you go
Coming ...
What you are doing is creating a service and as such, it does
FULLY LEGAL !!!!!... From now on, you are not mandándole five five
EUROS OR DOLLARS someone without any reason, they pay five dollars or
dollars for a SERVICE LEGITIMO !!!!!
.
You forward the 6 envelopes to the following addresses:
1) John Alexander Valverde del Carpio.
Jr. Spring j-6, Campo Marte, Paucarpata,
Arequipa, Peru.
2) Alexander Roldan Francisco Romero.
Carrera 65 # 10 - 102, Barrio El Limonar
Cali - Colombia.
(3) Humberto Zapata Sotelo.
Jr. Macará No. 279 Urb. Zarumilla, St. Martin de Porres, Lima, Peru.
Postcode Lima # 31.
(4) Sergio Urquiaga Gallegos.
Av. Alameda del Corregidor 1234 Dep. 102.
Urb. Sirius - La Molina.
Lima-Peru
(5) Agramonte Osiris Ricardo Pena.
John Paul Pina Street # 02, Villa Flores.
San Juan de la Maguana, Dominican Republic. Postcode San Juan de la
Maguana # 72000.
(6) Gustavo Artigas Fernando Lafuente, neighborhood san martin street
Paysandú esq. Island of Flores Maldonado Uruguay
Step # 2: Now remove the # 1 on the list and move the other names

Numbers up (# 6 becomes the # 5 and # 5 is
Becomes the # 4 and so on) and add your NAME AND
ADDRESS as # 6 on the list.
Step # 3: Change anything he deems necessary in this article, but
Tries to keep as close as possible to the original. Now enter or
Publish your article in at least 200 NEWSGROUPS (200 Announcements).
There are more than 24000000 of Newsgroups on the Internet. Just
200 as a minimum, but the more put this letter with your data
Newgroups more, the better the chance of receiving money as aid.
HOW TO MANAGE THE NEWSGROUPS (NEWSGROUPS)
1 .- You do not need to write this letter to all yours
Own. Just put your cursor at the beginning of this letter, please
Click with the left mouse button and let it pressed; download it
Until the end of the letter and release the mouse button.
The entire letter should be "shaded". Then make a "clicking"
The
Right mouse button anywhere in the shaded part and
COPY COPY or selected. This will cause the entire letter is at the
Temporary memory your computer.
2 .- Open a new file in NOTEPAD (Notebook) or WORD ... Make
Click with the right mouse button (Right click) and select PASTE or
PEGAR ... GRABE or SALVE file with the name you want and you
It can be identified at any time ... Since then
Will have this letter on your computer and you can add your name in
the
# 6 on the list following the instructions that appear more
Above.
3 .- (saved) recorded Taking this letter on your computer, every time
As you like, you can add or change anything without problems.
FOR THOSE WHO USE INTERNET EXPLORER
4 .- Go to "NEWSGROUPS" (Newsgroups), and select "POST AND
ARTICLE "or" WRITING NEW MESSAGE / DISCUSSION. "
5 .- Load, look, call or invoke the rule that kept
Previously.
6 .- Select the entire contents of the file containing the
Letter and copy it using the same procedure described
Above ... Back to "NEWSGROUPS and choose NEWS TO 'O' NEW
DISCUSSION, "in this way, you are creating the space for power
PEGAR the contents of the letter.
7 .- Press the "POST" or "SEND MESSAGE".
FOR WHICH MANEJAN NETSCAPE
4 .- Within the programme NETSCAPE, go to the window titled
"WINDOW" and select "NetscapeNews" ... Then go to the menu
"OPTIONS" and select "SHOW ALL NEWSGROUPS" ... Then you will see a
List all of its Server Newsgroups ... Then
Click on any Newsgroup ... This Newsgroup click
Under "TO NEWS", which should be up in the extreme
Left of the page ... Newsgroup This will take you to the box
Messages.
5 .- Fill this space. This is the title everyone will see that when
To travel through the list of a particular group.
6 .- Mark or select the entire contents of the file
Contains the letter and copy it using the same procedure described
Previously .... Back to Newsgroup, "TO NEWS" and you are creating
And empastando this letter within your program or "POSTING.
7 .- Press "SEND", which is in the top left corner and
You have completed your first Newsgroup.
.....¡¡¡¡¡ CONGRATULATIONS !!!!!..... .....¡¡¡¡¡ THAT IS
ALL !!!!!.....
IF YOU ACHIEVE .....¡¡¡¡¡ PUDE, YOU ALSO
CAN !!!!!..... .....¡¡¡¡¡ FORWARD !!!!!.....
All you have to do is meterte in different Newsgroups
(Newsgroups) or plaster and add your text. Once you have
Practice, only takes about 30 seconds for each ANNOUNCEMENT.
It is further recommended that when publishing the description of
this
Article, try to give a name to "catch" or call the lot
Care, such as: "Go NEED MONEY FAST? ... READ THIS ARTICLE"
"Go NEED MONEY TO PAY YOUR DEBT?", "BAJE ARCHIVE AND READ THIS
HOW CAN RECEIVE MONEY BY MAIL, "and so on., And not:" WINS MILLION
IN ONE WEEK, "that nobody takes seriously.
REMEMBER: IF YOU GET MORE NEWSGROUPS, MORE MONEY AND ANSWERS
RECEIVE !!!!!... BUT MUST ENTER IN AT LEAST 200 NEWSGROUPS ...
AND NOW THIS !!!!!...
Another way would be to use your CONDUCT OF E-MAIL and send
All your contacts this message. It also can expand
Chain.
You will be receiving money from all over the world in places that
neither
Known in a few days !!!!!... Eventually you will want to rent a P.
O. BOX. (Zip), the number of envelopes that will go
Receiving !!!!!...
(((ASEGÚRATE THAT ALL ADDRESSES ARE CORRECT )))...
Now the WHY of all this: Of 200 envoys, say that only
Receive 5 replies (very low example). Then I made $ 25 euros, or $
25 dollars with my name in the # 6 of this letter. Now, each
One of the people who sent me $ 5 euros, or US $ 5, also
Make a number of 200 Newsgroups or ads from the list and only
5 persons respond to each of the original 5, this makes $ 125
Euros or dollars more than I receive. Now, these 25 individuals put a
Minimum of 200 listings with my name on the # 4 and only received
5 responses each. It would make another $ 625 euros or dollars
Additional.
Now, those 125 people put a minimum of 200 groups with my name
In the # 3 and only get 5 replies each person, I
Get an additional $ 3,125 euros or dollars !!!!!, OK. Here is the
More fun part, each of those 625 people put their letters
Other 200 groups or ad with my name on the # 2 and each
5 receives an answer, and this makes me get $ 30,625 euros or
An additional $ !!!!!... These 3125 people send this message
To a minimum of 200 listings, with my name on the # 1 and only 5
People respond to the 200 ads, this means that I get $
78,125 euros or dollars !!!!!.
From an investment of $ 30 euros or dollars, do not believe it is
FABULOUS !!!!!?????. And as I said earlier, that only 5 people respond
to
200 groups or advertisements (the actual average is 20 to 30
People !!!!!)...
IF YOU WANT A calculation SACA !!!!!...
IF ONLY 15 PEOPLE RESPONDIERAN ... DARÍA THIS AS A RESULT:
Being in a position # 6 ...=$ 78.00
Being in a position # 5 ...=$ 768.00
Being in a position # 4 ...=$ 12.288.00
Being in a position # 2 ...=$ 184.552.00
¡¡¡¡¡ Now comes the good, do not be afraid !!!!!:
In the # 1 ........ ((((( $ 2.764.800.00 ))))).
!!!!! SÍÍÍÍÍ, ALMOST THREE MILLION DOLLARS OR !!!!!... THE IMPOSSIBLE
BELIEVE, TRUE !!!!!?????... BUT WITH SOME OF DEDICATION, AND TIME
EFFORT WE CAN ACHIEVE !!!!!...
Some people come to think ... "And if anyone answer me ?"...
QUEEEEE !!!!!... What is the likelihood that this will happen? ... If
Thousands and thousands of people HONESTAS (like us) looking for a
How to have financial independence and pay their debts !!!!!... And
Are willing to try. Because if I say "NO WORSE TO FIGHT
WHICH ARE NOT !"....
This is a fact that you may be interested:
There are an estimated 20000 to 50000 new Internet users ALL
DAILY (THROUGHOUT THE WORLD) ... REMEMBER TO DO SO HONESTA,
CLEAN AND PROPER and operate safely !!!...
*** In step: "! ONLY THE HONESTY AND INTEGRITY OF
PARTICIPANTS CAN MAKE THAT THIS OPERATING SYSTEM. "As you may have
Noticed, there is no middleman "MILAGROSO" multiply the
Money ... That intermediary each of the individuals involved
This "FLOW OF MONEY" ... So, the only way that this
Not work, is that unscrupulous individuals publish article WITHOUT
SEND MONEY those concerned. Now if they ALL OR MANY
This evil act and it is logical that this wonderful idea will not
work
As it should be ... So APELO YOUR HONESTY AND INTEGRITY ... And
remember,
There is a divine law which says that: "THERE THAT GIVE TO
RECEIVE" ...
!!!!! BENDICIONES
SUERTE !!!!!.....

FOR ALL AND

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