Frugal Living: 25 new messages in 20 topics

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

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== 1 of 1 ==
Date: Sun, Feb 10 2008 2:05 am
From: make me friend

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TOPIC: Domains for $6.95 and Hosting for $3.99
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2de8f2ba9fd7687c?hl=en
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== 1 of 2 ==
Date: Sun, Feb 10 2008 2:05 am
From: fractalien

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== 2 of 2 ==
Date: Sun, Feb 10 2008 2:46 am
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TOPIC: Take home an iPod with www.shopndiscount.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/50e5809c03a89f85?hl=en
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== 1 of 1 ==
Date: Sun, Feb 10 2008 2:50 am
From: "kenny.mcgrill@googlemail.com"

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TOPIC: Beautiful Music xxx Live and the rare
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/107c5a87f6d1042b?hl=en
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== 1 of 1 ==
Date: Sun, Feb 10 2008 4:22 am
From: Hostel

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TOPIC: Don't Buy "Hormel REAL Bacon Bits"
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/96d82509a818239a?hl=en
==============================================================================

== 1 of 4 ==
Date: Sun, Feb 10 2008 4:44 am
From: Shawn Hirn

In article <betatron-84B902.11373409022008@news.ftupet.com>,
max <betatron@earthlink.net> wrote:

> In article
> <8dad3e80-8f5b-4e07-a89d-1d3b69888077@v46g2000hsv.googlegroups.com>,
> Dave <djensen36@cox.net> wrote:
>
> > Recently, we bought a large bag of Hormel "Real Bacon Bits" at Sam's
> > Club. The packaged promised the "delicious taste of real, fresh
> > premium bacon" and was a good buy for a year's supply (the way it
> > usually goes when you buy something at one of those club stores like
> > Sam's or Costco.)
> >
> >
> > Shame on you Hormel. I wonder how many other surprises there are in
> > the consumer packaged food business? Got any other good ones?
> > Full text article above extracted from http://shamusrham.brogspot.com/
>
>
> Sounds a lot like hot dogs or chicken nuggets. get over yourself.

And scrapple (everything from the pig, except the oink).

== 2 of 4 ==
Date: Sun, Feb 10 2008 4:49 am
From: George

Dave wrote:
> On Feb 9, 4:18 pm, George <geo...@nospam.invalid> wrote:
>> max wrote:
>>> In article <A9mdnQykYJ44aDDanZ2dnUVZ_o-dn...@comcast.com>,
>>> George <geo...@nospam.invalid> wrote:
>>>> max wrote:
>>>>> In article
>>>>> <8dad3e80-8f5b-4e07-a89d-1d3b69888...@v46g2000hsv.googlegroups.com>,
>>>>> Dave <djense...@cox.net> wrote:
>>>>>> Recently, we bought a large bag of Hormel "Real Bacon Bits" at Sam's
>>>>>> Club. The packaged promised the "delicious taste of real, fresh
>>>>>> premium bacon" and was a good buy for a year's supply (the way it
>>>>>> usually goes when you buy something at one of those club stores like
>>>>>> Sam's or Costco.)
>>>>>> Shame on you Hormel. I wonder how many other surprises there are in
>>>>>> the consumer packaged food business? Got any other good ones?
>>>>>> Full text article above extracted fromhttp://shamusrham.brogspot.com/
>>>>> Sounds a lot like hot dogs or chicken nuggets. get over yourself.
>>>> Not really, hot dogs can certainly be a "garbage product" when
>>>> considering "sams best" hot dogs at walmart. There are certainly quality
>>>> hot dogs that aren't made from mechanically separated scraps but they
>>>> won't be at the big box mart at 2lbs/$1 .
>>> i'm lucky. My girlfriend lives about a mile from the Vienna Beef hot dog
>>> factory. We go there for hot dogs, at their employee cafeteria, which
>>> is open to the public.
>> Me too, We have a great local 3rd generation butcher shop that makes
>> great dogs from actual meat using natural casings.
>
> Its hard to find places like that nowadays, because they are getting
> run out of town by places like Super Walmart. Our little town of
> 15,000 now has a Super Walmart and the "butchers" there have no real
> information about cuts of meat, etc.
>
> Dave

Walmart is the one who pioneered the idea of the embalmed case ready
meat that they sell. All of their "fresh meat" is precut and then pumped
up with preservatives and water. The "fresh meat" can be on display for
a month and they get a nice premium for the added water. The idea is
that no one in the store needs to know anything. The same person who
refills the motor oil isle refills the "fresh meat" display.

Marketing is an incredibly powerful thing. The big box places have giant
war chests and can buy mind share by constantly telling everyone how
good they are.

== 3 of 4 ==
Date: Sun, Feb 10 2008 8:04 am
From: suds mcduff

>> Its hard to find places like that nowadays, because they are getting
>> run out of town by places like Super Walmart. Our little town of
>> 15,000 now has a Super Walmart and the "butchers" there have no real
>> information about cuts of meat, etc.
>>
>> Dave
>
> Walmart is the one who pioneered the idea of the embalmed case ready
> meat that they sell.

-----I've read it's because they didn't want to pay on site butchers....

All of their "fresh meat" is precut

----Mostly by immigrants at minimum wage.

and then pumped
> up with preservatives and water. The "fresh meat" can be on display for
> a month and they get a nice premium for the added water. The idea is
> that no one in the store needs to know anything. The same person who
> refills the motor oil isle refills the "fresh meat" display.
>
> Marketing is an incredibly powerful thing. The big box places have giant
> war chests and can buy mind share by constantly telling everyone how
> good they are.

== 4 of 4 ==
Date: Sun, Feb 10 2008 8:48 am
From: barbie gee

On Sat, 9 Feb 2008, max wrote:
>
> You're eating scraps. Salted, cured, deep fried scraps. They're bacon
> bits for god's sake. What's next, a treatise of fried pork rinds?

mmmmmm, pork rinds!

we've got a company here in Chicago that makes the most pork rinds around.
they actually make a ton of them for EXPORT to Mexico.

scary stuff, that, though. pig skins?

==============================================================================
TOPIC: <<< Maria Sharapova And Sania Mirza Hot Hot Wallpapers >>>
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/58b20459161ab0f5?hl=en
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== 1 of 1 ==
Date: Sun, Feb 10 2008 5:27 am
From: behazameer22@gmail.com

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TOPIC: GET FREE LOANS ON HOME, VEHICLE..ETC
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9d72fc2490834c80?hl=en
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== 1 of 1 ==
Date: Sun, Feb 10 2008 6:56 am
From: randdy.syrus@gmail.com

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

== 1 of 2 ==
Date: Sun, Feb 10 2008 10:07 am
From: Paul M. Eldridge

On Sun, 10 Feb 2008 05:34:30 GMT, Gene S. Berkowitz
<first.last@verizon.net> wrote:

>In article <jpbqq3hg74qj9v72b9j7o3ih41f31mna1o@4ax.com>,
>paul.eldridge@ns.sympatico.ca says...
>> On Fri, 08 Feb 2008 19:04:18 -0500, Jeff <jeff@spam_me_not.com> wrote:
>>
>> >I don't do that. I did insulate my hot water lines and that makes a nice
>> >difference.
>>
>> Hi Jeff,
>>
>> I've insulated our hot water pipes as well, but if you seldom draw hot
>> water from the kitchen tap, it cools to the point where it must be
>> discarded anyway.
>
>Which, health-wise, is probably a good thing. Water standing in the
>fixtures will contain lead leached from typical "brass" faucets.
>Letting a few gallons down the drain will reduce the lead below
>detectable limits.
>
>http://www.mwra.state.ma.us/04water/html/Lead_Faucets.htm
>
>--Gene

Hi Gene,

Not to mention that since I seldom draw hot water from the kitchen
tap, the water in sitting in those lines can get a tad "skunky" over
time.

Cheers,
Paul

== 2 of 2 ==
Date: Sun, Feb 10 2008 12:42 pm
From: val189

On Feb 6, 1:58 pm, hchick...@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.
>
> In the old home, we had a regular big old top load clothes washer,
> washed some dishes by hand until the last few months there, had
> regular showerheads, had the old style toilets that were flushed
> whenever they were used, watered plants in the winter, had to add
> water to the pool every few months, and during the summer only,
> minimally used the roof sprinkler to extend the life of the roof (low
> flow setting, total of about 40 min of watering a day. Water pressure
> was about 60 psi.
>
> We were hooked to city water and tried to be prudent, but not
> obsessive about our water use. A low usage month was measured at
> 33000 gallons, with a couple months over a five year period close to 3
> times that figure. Looking back, I'm astounded how much water we
> used, or supposedly used, especially since we had our own irrigation
> well for watering the lawn, which isn't included in those figures.
>
> When we lived in the camper this past summer, our well could only
> produce 25 gal/day and we used less than 750 gal/mo. The toilet was a
> camper toilet, which might use a pint of water per flush, showers were
> limited to about five minutes or less, and we had no clothes washer,
> dishwasher, pool, or roof sprinkler. We did water plants, but there
> weren't as many to water.
>
> At our new home, we have a high-efficiency clothes washer, dishwasher,
> 1.6gpf toilets, spa tub, and we shower regularly using a low-flow
> showerhead (but less than in Florida where we were sweating all the
> time). Water is at about 45PSI through the regulator. We have an
> 1100 gal storage cistern, which gets filled about 3 times a month.
>
> 3300 gallons compared to 33000 gallons is a tenfold difference with no
> pain, and the camper use of 750 gallons per month is 1/4 of that
> amount. The differences are amazing, and I've become convinced that
> the water saving devices are all they claim to be. Even though our
> water here is essentially free, I'm tickled, since the septic system
> will be that much less loaded and the costs of heating water will be
> reduced.

I get billed for two thousand gallons a month, and about twice a year,
get billed for three thousand. If away on a trip, it's always 1
thousand. My water authority assured me that if it's one drop under
the next thousand, they don't bill for it. Has to be a full thousand
gallons.

Two person household. No swimming pool, low flow shower heads, two-
choice toilets, do dishes usually with the lab method. Cars go the car
wash (not frugal but it's fast and they do a good job). Lawn is
watered from a separate well source.

I watch the water use bec. my sewer bill is linked to it. I pay $1.70
for sewer for every dollar of water bill.

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TOPIC: How to deal with the deadbeat, the cheapskate and the moocher
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6b809d7a4bac47ea?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 10:33 am
From: Ablang

How to deal with the deadbeat, the cheapskate and the moocher

Kathy Kristof | Personal Finance
February 8, 2008

http://www.mcall.com/business/local/all-d2_kristoff-a.6263107feb08,0,2981342.column

When it comes to dealing with freeloading friends and deadbeat
relatives, Jeanne Fleming and Leonard Schwarz suggest that you be what
they call the three P's: prompt, polite and pointed.

All too often, people get taken advantage of for no better reason than
that cheapskates think they can get away with it, according to the
husband-and-wife writers, who pen a money and ethics column for Money
magazine.

''There's no indication that these are people who are down to their
last dollar,'' Schwarz said. ''Every indication is that they are
people who feel no moral obligation to pay.''

Kathy Kristof Kathy Kristof Recent columns

The authors, whose book ''Isn't It Their Turn to Pick Up the Check?''
was published last month, have categorized the people their readers
consistently complain about into several character types, along with
suggestions for dealing with each of them.

The deadbeat

An Internet survey conducted by Schwarz and Fleming indicates that 95
percent of adult Americans have lent money to a friend or family
member, and 36 percent have made a loan of $1,000 or more. When asked
about the largest such loan they had made, 43 percent said they hadn't
been paid in full -- and 27 percent hadn't been paid at all.

Women are more likely to be stiffed than men, and poorer lenders are
less likely to get their money back than those earning $100,000 or
more, the survey found. That suggests skipping out on a debt isn't so
much about what the borrower can afford but rather how vulnerable the
creditor is perceived to be.

''The decision not to pay,'' Schwarz said, ''is often the result of a
cynical analysis of the person that they owe money to, rather than a
sense of desperation.''

Fleming added: ''It's more about borrowers' calibrating whether they
can get away with it.''

How can you avoid getting skipped out on? Three tips:

First off, of course, be careful -- about whom you lend to and whether
you can afford to make the loan.

''While it's great to be generous and do good deeds, you need to be
analytic about whether the person is likely to repay you and whether
you can live without the money if they don't,'' Schwarz said.

Second, if you expect to be repaid, put the loan in writing. You might
not need a long contract, but you definitely need a few lines
documenting who lent whom what amount, and when and how that loan is
expected to be repaid. (If nothing else, the Internal Revenue Service
requires such documentation if you later want to write off a bad debt
on your income taxes.)

Finally, if a payment isn't made as stipulated, say something right
away.

''If one month goes by and they don't pay you, you had better ask
why,'' Schwarz said. ''It doesn't mean that you have to send somebody
to break their thumbs, but you need to put them on notice that they
need to pay you or explain. Otherwise they get comfortable not paying
you back.''

The cheapskate

You and your three siblings decide to give an expensive present to
your parents to celebrate their 50th anniversary. The problem:
Everybody knows that one sibling won't pay his fair share -- because
he never does. He either pays a small portion and forgets the rest or
never ponies up the cash at all.

Instead of splitting the bill by three and signing the card for four,
Fleming suggests that you either ask for the money in advance and
include the cheapskate only if he pays his share, or sign the card
from the three of you.

''The kids who pay can just tell their parents that it's a gift from
them,'' she said. ''They don't have to say anything bad about the
brother.''

In other words, let the cheapskate fend for himself.

The moocher

You go out to dinner with a group of friends, including one couple who
consistently pay less than their share. What do you do?

A. Let them get away with it, as they always do.

B. Stop scheduling these dinners because they leave you feeling used.

C. Tell the waitress you want separate checks.

D. Speak up and note politely but firmly that the cheapskate owes
more.

Plenty of people opt for one of the first two choices, but either of
the last two responses would be smarter, Schwarz and Fleming say.

The important thing, they say, is to speak your mind.

''Some people believe that they will be considered small if they stand
up for themselves and ask for what's theirs,'' Schwarz said. ''But we
have to quit letting the thieves of kindness make us feel bad for
counting. They are the bad guys, not you. ''You don't have to be
angry. You just need to say, 'Gee, John. I think you forgot about the
tip. I need you to kick in another $10.'''

==============================================================================
TOPIC: Money makes money we all know that but unless you win the lottery are
rich already or maybe marry into wealth, you don't have this advantage - so
you need to leverage your money.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/71b669ee7c490511?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 10:59 am
From: haba

Money makes money we all know that but unless you win the lottery are
rich already or maybe marry into wealth, you don't have this advantage
- so you need to leverage your money.

Leverage is simply trading more money than you have.

For example, if a broker lets you leverage 200:1 and you have $500
then you can trade $100,000.

One of the best ways to get leverage is to open a forex trading
account. Hang on you may say - I can't trade currencies it's to hard!
http://usef-free.blogspot.com

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TOPIC: CHEAP DIOR, AF1, DSQUARED, BAPESTA, HOGAN, CHANEL, VERSACE, SHOES,
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/88539be945d6350f?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 11:41 am
From: 65563082@qq.com

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TOPIC: 300 Mexicans (1 minute video)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/038dc2a47194d787?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 11:51 am
From: haber14@lycos.com

http://www.youtube.com/watch?v=WuFD7mIkL10

Look at the scumbags seeking the Presidency grovel and pander for
hispanic votes.

Dennis

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TOPIC: Cheap wholesale air max sneakers: max 87,max 90,max95,max97,max2003,max
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8f0581afe172c02?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 12:25 pm
From: shoestrade

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==============================================================================
TOPIC: cell phone plan - pay as you go - daily access fee
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5bb1a0780187549d?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 12:40 pm
From: "hallerb@aol.com"

On Feb 9, 9:59�pm, "Larry Mehl" <mehlREMOVET...@cyvest.com> wrote:
> Thanks for the information. �It will be a help in my search.
>
> L Mehl
>
> "mehlREMOVET...@cyvest.com" <m...@cyvest.com> wrote in message
>
> news:2f80e6cb-9eba-4727-8ff7-e91ae349d72a@d4g2000prg.googlegroups.com...
>
>
>
> > Hello --
>
> > My AT&T plan ($10 special at Radio Shack) charges $1/day "only on days
> > you use your phone"; airtime costs $0.10/min.
>
> > Can anyone recommend a pay as you go plan that does not have a cost/
> > day access fee?
> > Or, is such a fee pretty typical for this type of service?
>
> > Thanks for any help or suggestions.
>
> > L Mehl- Hide quoted text -
>
> - Show quoted text -

if you use the phone very little find a friend and get a phone on
their friends and family plan, for 10 bucks a month plus usage, and
just pay them for your part of the bill

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

== 1 of 1 ==
Date: Sun, Feb 10 2008 12:46 pm
From: "hallerb@aol.com"

there are advantages of having noting, get divorced? easy theres
nothinmg to split

now have assests and you got grief, wether its from divorce, medical
or any other bad event

==============================================================================
TOPIC: Calendar downloads?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/200a513c0b463960?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 1:07 pm
From: pc

Hi group ..

I am looking for free calendars that I can download. I am looking for
things similar to the Dayminder, Dayrunner options.

I went to a couple of stores recently and they all wanted a minimum of
15 dollars. This seems outrageous to me. Especially because none of
them were exactly what I wanted.

Surely, there's got to be a source online for calendar printouts that
fit a variety of planner cases/holders!

Any ideas would be greatly appreciated!

..PC

==============================================================================
TOPIC: Christian Dior Handbag Find a Sale on Christian Dior Handbags
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/41c36e216455ed7b?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Feb 10 2008 1:22 pm
From: swg4khpbqhsww7bdsncc@gmail.com

Tips on Finding a Christian Dior Handbag

What is Christian Dior?

Christian Dior is an incredibly popular French design company, which
was originated by Christian Dior, who was an extremely influential
French fashion designer, and who was born in Granville, Normandy,
France, heir to a fertilizer fortune. Currently, Dior operates 60
boutiques worldwide, with 15 of those being in Japan. Clothing is
exclusively sold in the Dior stores, and other retailers only carry
licensed Dior products such as eye-wear, lingerie, ties, handbags,
perfumes, and other accessories.

Find Christian Dior Handbags on Sale at:

CLICK HERE:

http://handbagsonsalenow.com/christian-dior-handbag.html

Frugal Living

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Sunday, February 10, 2008

25 new messages in 20 topics - digest

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