Frugal Living: 25 new messages in 14 topics

Thursday, February 7, 2008

25 new messages in 14 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: 1099-R tax question
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a3871b8a4ca96e02?hl=en
==============================================================================

== 1 of 3 ==
Date: Thurs, Feb 7 2008 12:54 pm
From: "OhioGuy"

I've been trying to finish my 1040 tax form, but have run into some
difficulties. My big problem is the 1099-R form, which shows the rollover
we did from a 457 plan to an intermediary account at Vanguard, and finally
into a Vanguard Roth IRA. We got two 1099-R forms. One says 0 was
withheld, and the other says that 10% was withheld for the IRS. I'm not
exactly sure how to enter this on my 1040. I obviously don't want to be
double taxed, if they've already taken 10%!

On the first 1099-R box 7, it says "G", and on the other it says "02".
Any idea what these might mean? Thanks!

== 2 of 3 ==
Date: Thurs, Feb 7 2008 1:01 pm
From: clams_casino

OhioGuy wrote:

> I've been trying to finish my 1040 tax form, but have run into some
>difficulties. My big problem is the 1099-R form, which shows the rollover
>we did from a 457 plan to an intermediary account at Vanguard, and finally
>into a Vanguard Roth IRA. We got two 1099-R forms. One says 0 was
>withheld, and the other says that 10% was withheld for the IRS. I'm not
>exactly sure how to enter this on my 1040. I obviously don't want to be
>double taxed, if they've already taken 10%!
>
> On the first 1099-R box 7, it says "G", and on the other it says "02".
>Any idea what these might mean? Thanks!
>
>
>
>
Have you called Vanguard? Certainly they have a help line for their
tax forms. I know Fidelity does.

== 3 of 3 ==
Date: Thurs, Feb 7 2008 1:42 pm
From: Dennis

On Thu, 7 Feb 2008 15:54:10 -0500, "OhioGuy" <none@none.net> wrote:

When you put them together, it makes G0 2.

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

==============================================================================
TOPIC: Can't pay? Just walk away.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5a07413ffe1cd66b?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Feb 7 2008 12:56 pm
From: Seerialmom

On Feb 7, 9:45 am, Larry Bud <larrybud2...@yahoo.com> wrote:
> > And please spare me the canard about how it's a Catch-22 because you
> > can't fix a bad credit rating without being able to borrow money,
> > because it isn't true.
>
> Not only that, paying your rent on time every month will help ones
> credit rating.

Since when did paying "rent" on time help a credit rating? Landlords
don't submit payment records to the big 3 credit reporting agencies;
however if you default and get evicted; the judgement from that might.

==============================================================================
TOPIC: Am I paranoid about saving?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d8876827bf8e4634?hl=en
==============================================================================

== 1 of 3 ==
Date: Thurs, Feb 7 2008 1:08 pm
From: ranck@vt.edu

oprah.chopra@gmail.com wrote:

> 1) Just defending yourself in a lawsuit that you are 'right' can cost
> you 100k . If you lose, expect to be in debt 10X that much! I suppose
> a counter argument is not to have too much assetts in your own name,
> thus reducing the size of a judgement against you? Is that right?

You should look into what is called an "umbrella policy." It covers
you against large judgements and is very cheap (because they are
really not very likely).

> 2) Long-term health care in case of medical problems as you get
> older . I am not sure about this one, does insurance cover this?

Depends on your insurance. You can buy specific insurance for
long term health care, and some employer provided health insurance
covers it, but you have to check with your specific employer's
insurer about what the limits are.

> 3) One 4-year college education at a top school for 2-kids will easily
> set you back 250k

If your kid gets into Harvard he'll be able to pay off some loans
when he gets done. Also, there are grants and other things which,
perversely enough, help pay for college if you don't have too
much in savings.

> 4) Emergency medical procedures are expensive, particularly if you
> want the best surgeons to do them. Again does insurance cover this?

Emergency medical procedures are generally done by the first
available qualified doctor. If you have time to pick an choose it's
not an emergency. Yes, insurance generally covers this, again within
limits.

> 5) What if your kids develop autism or some other mental/physical
> disability. Who is going to pay for their care? I am curious what do
> families do in these cases, does government provide any help or
> insurance again.

You suck it up and deal with it. Some employer provided health insurance
will pay for some things, but it varies and has limits.

> 6) What if your parents or sibling runs into any one of the above
> problems, is it your duty to bail them out?

Not if you haven't co-signed a promisory note or something. You
are responsible for yourself and your dependants and usually
your spouse. Your parents or siblings are not your legal responsibility.

> Anything else to add/correct?

I think you worry too much.

Bill Ranck
Blacksburg, Va.

== 2 of 3 ==
Date: Thurs, Feb 7 2008 1:20 pm
From: "Rod Speed"

me@privacy.net wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote

>>> 3) One 4-year college education at a top
>>> school for 2-kids will easily set you back 250k

>> It aint the only way to fund that.

> What other way you suggest?

Have the kids pay for it themselves, like you are doing.

== 3 of 3 ==
Date: Thurs, Feb 7 2008 4:24 pm
From: "Melissa"

<oprah.chopra@gmail.com> wrote in message
news:f041e4fe-88d6-4824-916d-77c7ea014a52@i29g2000prf.googlegroups.com...
> Most people are short-sighted and can not see the long-term benefits
> of savings. I am in my early 30's and here are the situations I remind
> myself for reasons to save. Perhaps I am naive or paranoid so am
> looking for your experiences in these situations.
>
> 3) One 4-year college education at a top school for 2-kids will easily
> set you back 250k

I have 3 sons in college. They are all paying their own way. There is no way
we could have funded even one of them. All are paying as they go, no school
loans or help from the Fed. One son & his wife have graduated already and
he has gone on for his Masters. One is still plugging away with his wife,
the other is at a State school working full time and going to school part
time. They have all worked full time since they married and don't expect
anyone to pay their way, nor do they want to borrow huge amounts of money.
They are 23, 26 and 28.

Mel

==============================================================================
TOPIC: BEST LCD OR PLASMA 42" TV SET ON MARKET???
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3cb34b276c0ce20e?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Feb 7 2008 1:16 pm
From: Dennis

On Wed, 06 Feb 2008 23:08:40 -0500, Shawn Hirn <srhi@comcast.net>
wrote:

>In article <nl6kq3t9q83tud99nl96pajfr8454coibh@4ax.com>,
> Dennis <dgw80@hotmail.com> wrote:
>
>> On Wed, 06 Feb 2008 05:39:41 -0500, Shawn Hirn <srhi@comcast.net>
>> wrote:
>>
>> >My Scientific Atlanta HD DVD box from Comcast has an HDMI connector;
>> >however, my HD TV does not, so I use its component video connectors.
>> >Works fine for TV viewing and recording.
>>
>> Please explain how you record HD signal from component (not composite
>> or S-video) outputs in full resolution.
>
>I haven't tried it in full resolution. What I do is record it to my DVR,
>then record it to my DVD set-top recorder or record directly to video
>tape or standard definition DVD. I don't own an optical media recorder
>that handles high definition media, so I have no way to try it.

What you are recording is down-converted to Standard Def NTSC by your
DVR. Which can still look pretty good -- close to DVD quality -- but
is not High Def. There is only a very limited, very expensive set of
hardware available that will capture the output of component or HDMI
at full resolution High Def, and then the uncompressed stream is
something like 30GBytes per hour.

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

==============================================================================
TOPIC: The One-Page Protocols of the Learned Elders of Zion. Now you have no
excuse for not reading it!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f273668af3697a63?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Feb 7 2008 1:19 pm
From: z

On Feb 4, 1:44 pm, professorpaul <deadgo...@comcast.net> wrote:
> You *DO* understand that that is a hoax????

Um, it's not that they hate Jews because they are deceived by a pile
of BS.
It's that they are deceived by a pile of BS, because they hate Jews.

==============================================================================
TOPIC: What is your water usage?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bd562b37685d1e02?hl=en
==============================================================================

== 1 of 4 ==
Date: Thurs, Feb 7 2008 2:09 pm
From: "AllEmailDeletedImmediately"

"George" <george@nospam.invalid> wrote in message
news:zdednTzx3LeQpDbanZ2dnUVZ_h6dnZ2d@comcast.com...
> Dawn wrote:
>> On Wed, 06 Feb 2008 13:58:27 -0500, hchickpea@hotmail.com wrote:
>>
>>> I just had a chance to do some comparisons, and I'm stunned how much
>>> less water we are using in our manufactured home in Alabama than we
>>> were in our old home in south Florida. There are a number of factors
>>> involved, including climate, but the variations in useage bear
>>> examining.
>>>
>>> If you want to compare from your own water bills, a hundred cubic feet
>>> of water is 750 gallons.
>>>
>>
>> for a quick second there I was very unhappy. I just got a bill in the
>> past couple of weeks and did the math. Used 55000 gallons of water.
>> I was like soooo annoyed and thinking that is way too much water we
>> are using. Looking at my past useage it was right in line with what
>> we used the last two years at this time. Then I remembered.....it is
>> a two month bill. Whew. 27500 is still a lot of water but not quite
>> so bad for a month.
>> Dawn, still thinking we could do better.
>
> We use ~2,000 gallons/month for two people. That includes laundry and an
> automatic dishwasher.

we use 2k-3k/month as well. top load washer and dishwater. how the hell do
you use 33k gal of water a month unless you have a farmette? that's more
that i use in a yr.

== 2 of 4 ==
Date: Thurs, Feb 7 2008 2:18 pm
From: Dawn

On Thu, 07 Feb 2008 22:09:18 GMT, "AllEmailDeletedImmediately"
<derjda@hotmail.com> wrote:

>
>"George" <george@nospam.invalid> wrote in message
>news:zdednTzx3LeQpDbanZ2dnUVZ_h6dnZ2d@comcast.com...

>>> for a quick second there I was very unhappy. I just got a bill in the
>>> past couple of weeks and did the math. Used 55000 gallons of water.
>>> I was like soooo annoyed and thinking that is way too much water we
>>> are using. Looking at my past useage it was right in line with what
>>> we used the last two years at this time. Then I remembered.....it is
>>> a two month bill. Whew. 27500 is still a lot of water but not quite
>>> so bad for a month.
>>> Dawn, still thinking we could do better.
>>
>> We use ~2,000 gallons/month for two people. That includes laundry and an
>> automatic dishwasher.
>
>we use 2k-3k/month as well. top load washer and dishwater. how the hell do
>you use 33k gal of water a month unless you have a farmette? that's more
>that i use in a yr.
>
Bad, bad math. I forgot a step. We use 2750 a month ave. this time
of year.
Dawn, feeling a whole lot better now.

== 3 of 4 ==
Date: Thurs, Feb 7 2008 3:24 pm
From: "AllEmailDeletedImmediately"

"Dawn" <linny4@hotmail.com> wrote in message
news:tr0nq39t25ie2sa27lplv3nf13l06hbsv7@4ax.com...
> On Thu, 07 Feb 2008 22:09:18 GMT, "AllEmailDeletedImmediately"
> <derjda@hotmail.com> wrote:
>
>>
>>"George" <george@nospam.invalid> wrote in message
>>news:zdednTzx3LeQpDbanZ2dnUVZ_h6dnZ2d@comcast.com...
>
>>>> for a quick second there I was very unhappy. I just got a bill in the
>>>> past couple of weeks and did the math. Used 55000 gallons of water.
>>>> I was like soooo annoyed and thinking that is way too much water we
>>>> are using. Looking at my past useage it was right in line with what
>>>> we used the last two years at this time. Then I remembered.....it is
>>>> a two month bill. Whew. 27500 is still a lot of water but not quite
>>>> so bad for a month.
>>>> Dawn, still thinking we could do better.
>>>
>>> We use ~2,000 gallons/month for two people. That includes laundry and an
>>> automatic dishwasher.
>>
>>we use 2k-3k/month as well. top load washer and dishwater. how the hell
>>do
>>you use 33k gal of water a month unless you have a farmette? that's more
>>that i use in a yr.
>>
> Bad, bad math. I forgot a step. We use 2750 a month ave. this time
> of year.
> Dawn, feeling a whole lot better now.

yeah, but chickpea used 33k!!!
>

== 4 of 4 ==
Date: Thurs, Feb 7 2008 3:30 pm
From: hchickpea@hotmail.com

On Thu, 07 Feb 2008 23:24:04 GMT, "AllEmailDeletedImmediately"
<derjda@hotmail.com> wrote:

>
>"Dawn" <linny4@hotmail.com> wrote in message
>news:tr0nq39t25ie2sa27lplv3nf13l06hbsv7@4ax.com...
>> On Thu, 07 Feb 2008 22:09:18 GMT, "AllEmailDeletedImmediately"
>> <derjda@hotmail.com> wrote:
>>
>>>
>>>"George" <george@nospam.invalid> wrote in message
>>>news:zdednTzx3LeQpDbanZ2dnUVZ_h6dnZ2d@comcast.com...
>>
>>>>> for a quick second there I was very unhappy. I just got a bill in the
>>>>> past couple of weeks and did the math. Used 55000 gallons of water.
>>>>> I was like soooo annoyed and thinking that is way too much water we
>>>>> are using. Looking at my past useage it was right in line with what
>>>>> we used the last two years at this time. Then I remembered.....it is
>>>>> a two month bill. Whew. 27500 is still a lot of water but not quite
>>>>> so bad for a month.
>>>>> Dawn, still thinking we could do better.
>>>>
>>>> We use ~2,000 gallons/month for two people. That includes laundry and an
>>>> automatic dishwasher.
>>>
>>>we use 2k-3k/month as well. top load washer and dishwater. how the hell
>>>do
>>>you use 33k gal of water a month unless you have a farmette? that's more
>>>that i use in a yr.
>>>
>> Bad, bad math. I forgot a step. We use 2750 a month ave. this time
>> of year.
>> Dawn, feeling a whole lot better now.
>
>yeah, but chickpea used 33k!!!
>>

...and I'm still trying to figure that one out, since that was from a
fairly low bill!! I know that topping off a swimming pool can mean a
hose running for about four hours, but even that should be not much
more than a thousand gallons. There were a couple of times I had to
drain and refill the whole thing, which was over 15,000 gallons, but
that wasn't (trust me) an everyday occurence.

I'm beginning to wonder if the meter was being read at ten times the
actual amount. I think I may have to call some of the ex-neighbors
and see what their usage has been. Oh well, whatever it was, it ain't
happening now.

==============================================================================
TOPIC: 17" Apple iMac Superdrive now only for 60 Pounds Only .. www.
shopndiscount.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/84f485a47dd0b14a?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Feb 7 2008 2:11 pm
From: "kenny.mcgrill@googlemail.com"

17" Apple iMac Superdrive now only for 60 Pounds Only .. www.shopndiscount.com

==============================================================================
TOPIC: IDT wants to charge me a dollar to send me a bill
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ac164cb61a75e7fd?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Feb 7 2008 2:14 pm
From: "AllEmailDeletedImmediately"

"Terry" <kilowatt@charter.net> wrote in message
news:pc1kq3ttlt7gegde6kbrnqm5etehdnvqlf@4ax.com...
> IDT added a dollar to my three dollar phone bill. It was to send me a
> paper statment.
>
> I asked for a hard copy bill, only because it is a pain in the ass to
> have to log on to the utility company's web site to check my bill.
>
> I would love it if they just sent the statement in an email, but they
> don't do it that way. I have to set up a username and password.
> I pay the bill using direct draft so the only reason I want to see my
> statement is to check the call log. I then just throw the statement
> away.
>
> We are talking about a phone bill not a CIA secret document.
>
> Just sending an email should be enough security just to view the bill.
> I told them I was not going to pay for them to send me a bill. They
> could just cancel my service. They waived the charge, but ignored my
> suggestion just to email it to me.

this just pisses me right off. it's a business job to send me a bill.
it's not
mine to go find it. what they really want is for you to forget to go get
it
and be late so they can slap you with a large late payment.

==============================================================================
TOPIC: Has college dropout done the impossible and created a perpetual motion
machine?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2ebb35c6e713de31?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Feb 7 2008 2:17 pm
From: "AllEmailDeletedImmediately"

Thane Heins is nervous and hopeful. It's Jan. 24, a Thursday afternoon,
and in four days the Ottawa-area native will travel to Boston where he'll
demonstrate an invention that appears - though he doesn't dare say it -
to operate as a perpetual motion machine.

The audience, esteemed Massachusetts Institute of Technology professor
Markus Zahn, could either deflate Heins' heretical claims or add momentum
to a 20-year obsession that has broken up his marriage and lost him custody
of his two young daughters.

Zahn is a leading expert on electromagnetic and electronic systems. In a
rare move for any reputable academic, he has agreed to give Heins'
creation an open-minded look rather than greet it with outright dismissal.

It's a pivotal moment. The invention, at its very least, could moderately
improve the efficiency of induction motors, used in everything from
electric cars to ceiling fans. At best it means a way of tapping the
mysterious powers of electromagnetic fields to produce more work out
of less effort, seemingly creating electricity from nothing.

more at the toronto star:

http://www.thestar.com/sciencetech/article/300042

==============================================================================
TOPIC: Save Money-Stay At Home!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6518857f3e9d97dd?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Feb 7 2008 2:35 pm
From: richie1115

It's getting really expensive to drive a car.

We all know this. However, we have been programmed to think of fuel
cost as miles per gallon. The more miles per gallon, the better.

This view fosters consumption. We say, "my car gets 20 miles per
gallon, this is OK." Combine this with credit purchases of fuel, and
we do not feel the true cost of fuel consumption.

Its time we look at fuel from a much different view. A new way of
seeing the fossil-fuel supported economy. Let's look at how much money
it takes to drive my car one mile, or kilometer.

-MILES PER DOLLAR-

When we look at fuel this way, we get an immediate feeling of the high
cost of moving ourselves and our family from one place to another. We
also clearly understand how much it costs to work outside our homes.

At the Link below, I have included a miles-per-dollar calculator for
you to immediately determine the cost of fuel to drive your car
anywhere. It is truly enlightening.

Home Income becomes more important every day for two reasons:

1) We don't consume automotive fuel and cost when we work from home.

2) We can use home income to help pay for our automotive fuel
consumption and cost when we leave the house.

To find out more about the best income sites for home income and the
Miles Per Dollar Calculator, please visit http://www.best-income-sites.com/

Miles Per Dollar Gas Calculator

Gadgets powered by Google

== 2 of 2 ==
Date: Thurs, Feb 7 2008 4:31 pm
From: Al Bundy

richie1115 wrote:
> It's getting really expensive to drive a car.
>
This reminded me of that Seinfeld episode where they try to sell a
"show about nothing."

==============================================================================
TOPIC: garbage disposal problem
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3de3b07d6b3c16f9?hl=en
==============================================================================

== 1 of 3 ==
Date: Thurs, Feb 7 2008 2:39 pm
From: "AllEmailDeletedImmediately"

when i used it this morning, it stopped spinning, but still hums. i can
find nothing in it that's causing it. i pushed the button on the bottom
and used the allen wrench on the bottome to turn it, but it just hums and
won't turn.

anyone know what the problem might be?

== 2 of 3 ==
Date: Thurs, Feb 7 2008 4:13 pm
From: Al Bundy

AllEmailDeletedImmediately wrote:
> when i used it this morning, it stopped spinning, but still hums. i can
> find nothing in it that's causing it. i pushed the button on the bottom
> and used the allen wrench on the bottome to turn it, but it just hums and
> won't turn.
>
> anyone know what the problem might be?

If it won't turn, especially if you can't turn it with the wrench
either, the motor must be locked up. Of course, you look down the
drain and try to move the mechanism in both directions in case
something is jambed. Over a period of time, water get into the
bearings and they rust up. Beyond what you are doing, and perhaps more
aggressively in both directions, it sounds like time to go shopping.
They are not very expensive or difficult to install. If you do
purchase a new one, finding one exactly the same as you have makes
changing it easier.

== 3 of 3 ==
Date: Thurs, Feb 7 2008 3:36 pm
From: hchickpea@hotmail.com

On Thu, 07 Feb 2008 22:39:33 GMT, "AllEmailDeletedImmediately"
<derjda@hotmail.com> wrote:

>when i used it this morning, it stopped spinning, but still hums. i can
>find nothing in it that's causing it. i pushed the button on the bottom
>and used the allen wrench on the bottome to turn it, but it just hums and
>won't turn.
>
>anyone know what the problem might be?
>
If it was loose with the allen wrench, then my vote would be (an
unlikely) separation of the grinding shaft from the motor, or a motor
gone bad. In either case, I'd just replace the whole thing or
eliminate it entirely and start a compost bucket. We do just fine
without one, and I'll bet it contributed to our high water usage. :-)
Yeah, that's it.

==============================================================================
TOPIC: Cheap wholesale gucci prada adidas lacoste tainers, discount nike
jordan af1 dunk sb neakers shoes nba sports shoes china supplier
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/139d27db54f4d5ba?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Feb 7 2008 2:48 pm
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TOPIC: Cheap Designer Handbag - Find Sales on Cheap Designer Handbags
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/fccb5ae873a4d4b8?hl=en
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== 1 of 1 ==
Date: Thurs, Feb 7 2008 3:24 pm
From: swg4khpbqhsww7bdsncc@gmail.com

How To Get A Cheap Designer Handbag

Designer handbags are known for many reasons, some of which are:
quality, fashionable latest looks, durability and last, but definitely
not least, huge price tags. How to get a cheap designer bag yet make
sure it is not a replica; let us find out together.

Shop Around

Smart shoppers know that they need to stay well informed in order to
take advantage of the latest sales, bargains and promotional events.
All designers pride themselves on providing a brand new collection at
least twice a year, which in turn means that they will eliminate as
much as possible of the previous collection(s).

Find Handbags on Sale at:

http://handbagsonsalenow.com/cheap-designer-handbag.html

Many Brand Names on Sale at Above Site!

Frugal Living

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