Frugal Living: 22 new messages in 11 topics

Thursday, March 20, 2008

22 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: comments from canandians, pls: canadian health care
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/190b5f62e6acf0e1?hl=en
==============================================================================

== 1 of 5 ==
Date: Thurs, Mar 20 2008 6:24 am
From: clams_casino

Bill Bowden wrote:

>On Mar 18, 9:16 am, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
>
>
>>Bill Bowden wrote:
>>
>>
>>
>>>Actually, lower income Americans don't pay any taxes
>>>
>>>
>>Hmm - how does one get to avoid FICA, sales, excise & property taxes?
>>
>>Neat trick. Care to share?
>>
>>
>
>Sure. First, you avoid FICA tax by not working for wages. Second, you
>avoid sales tax by buying most everything at swap meets and garage
>sales. Third, you avoid property tax by owning (real estate investment
>trusts) REITS in the stock market which has no property tax. And
>fourth, you reduce all taxes by owning an S-corporation that never
>makes a profit, but has lots of expenses.
>
>-Bill
>
>

All tricks widely used by the "lower income" groups who "pay no taxes"?

Never realized the lower income groups were so savvy.

== 2 of 5 ==
Date: Thurs, Mar 20 2008 12:29 pm
From: JonL

AllEmailDeletedImmediately wrote:
> From: xxxxxxx@comcast.net (gina)
> To:
>
> This is true. I have a friend in my writer's group from Canada and the last
> time she was
> here in Nashua we had lunch and this was a topic we discussed.

Doesn't sound like a transcript of a discussion, more like a written
letter. I notice she had no personal negative experiences. Seems to
me, Canadians posting here in the past were generally quite satisfied
with their system.

If it were me, think I'd snoop in some Canadian forums, such as:

http://www.healthpost.ca/

http://www.healthtalk.ca,

old, but might be interesting
http://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html

== 3 of 5 ==
Date: Thurs, Mar 20 2008 1:23 pm
From: James

On Mar 20, 3:29 pm, JonL <J...@Mayday.com> wrote:
> AllEmailDeletedImmediately wrote:
> > From: xxxx...@comcast.net (gina)
> > To:
>
> > This is true. I have a friend in my writer's group from Canada and the last
> > time she was
> > here in Nashua we had lunch and this was a topic we discussed.
>
> Doesn't sound like a transcript of a discussion, more like a written
> letter. I notice she had no personal negative experiences. Seems to
> me, Canadians posting here in the past were generally quite satisfied
> with their system.
>
> If it were me, think I'd snoop in some Canadian forums, such as:
>
> http://www.healthpost.ca/
>
> http://www.healthtalk.ca,
>
> old, but might be interestinghttp://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html

If I were paranoid I'd look to see if this existing back in the days
of Hillary's first healthcare proposals when Bill was president.

There was an ochestrated campaign to smear Canadian Healthcare then ,
paid for by the US health insurance industry.

I'm not satisfied with everything in our system, there is room for
improvement in many areas. But at least my care is determined by a
doctor of my choosing, not a bean counter whose mandate is to cut
costs.

James

== 4 of 5 ==
Date: Thurs, Mar 20 2008 2:07 pm
From: "Rod Speed"

James <jlinn@idirect.com> wrote:
> On Mar 20, 3:29 pm, JonL <J...@Mayday.com> wrote:
>> AllEmailDeletedImmediately wrote:
>>> From: xxxx...@comcast.net (gina)
>>> To:
>>
>>> This is true. I have a friend in my writer's group from Canada and
>>> the last time she was
>>> here in Nashua we had lunch and this was a topic we discussed.
>>
>> Doesn't sound like a transcript of a discussion, more like a written
>> letter. I notice she had no personal negative experiences. Seems to
>> me, Canadians posting here in the past were generally quite satisfied
>> with their system.
>>
>> If it were me, think I'd snoop in some Canadian forums, such as:
>>
>> http://www.healthpost.ca/
>>
>> http://www.healthtalk.ca,
>>
>> old, but might be
>> interestinghttp://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html
>
> If I were paranoid I'd look to see if this existing back in the days
> of Hillary's first healthcare proposals when Bill was president.
>
> There was an ochestrated campaign to smear Canadian Healthcare then ,
> paid for by the US health insurance industry.

> I'm not satisfied with everything in our system, there is room for
> improvement in many areas. But at least my care is determined by a
> doctor of my choosing, not a bean counter whose mandate is to cut costs.

Thats just plain wrong with your health insurance.

== 5 of 5 ==
Date: Thurs, Mar 20 2008 2:42 pm
From: JonL

JonL wrote:
> AllEmailDeletedImmediately wrote:
>> From: xxxxxxx@comcast.net (gina)
>> To:
>>
>> This is true. I have a friend in my writer's group from Canada and
>> the last time she was
>> here in Nashua we had lunch and this was a topic we discussed.
>
> Doesn't sound like a transcript of a discussion, more like a written
> letter. I notice she had no personal negative experiences. Seems to
> me, Canadians posting here in the past were generally quite satisfied
> with their system.
>
> If it were me, think I'd snoop in some Canadian forums, such as:
>
> http://www.healthpost.ca/
>
> http://www.healthtalk.ca,
>
> old, but might be interesting
> http://www.washingtonmonthly.com/features/2000/0003.gladwellgopnik.html
>
>
>
>
>
>
>
>
>

==============================================================================
TOPIC: Question about car early payoff
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/580d676208ebd736?hl=en
==============================================================================

== 1 of 4 ==
Date: Thurs, Mar 20 2008 6:28 am
From: clams_casino

timeOday wrote:

>clams_casino wrote:
>
>
>>somebody wrote:
>>
>>
>>
>>>I only have 5 months to pay on my car. At that point, I plan to trade it
>>>in on a new car. I'm thinking that instead of going through the
>>>hassle of
>>>completely paying it off, and going through the hassle of obtaining the
>>>title, I'll just trade it in with a month or two remaining. Does that
>>>sound reasonable?
>>>
>>>
>>>
>>>
>>>
>>Trading a well running car for a new car typically makes little sense.
>>
>>
>
>You always have hamburger and never steak?
>
>

Makes little sense to have one steak and pay for it for the rest of your
life.

It amuses me when college kids (and others) use their credit cards to
eat out & then pay interest on that debt for 10-20 years.

Banks love it.

== 2 of 4 ==
Date: Thurs, Mar 20 2008 11:34 am
From: Seerialmom

On Mar 20, 6:28 am, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
> timeOday wrote:
> >clams_casino wrote:
>
> >>somebody wrote:
>
> >>>I only have 5 months to pay on my car. At that point, I plan to trade it
> >>>in on a new car. I'm thinking that instead of going through the
> >>>hassle of
> >>>completely paying it off, and going through the hassle of obtaining the
> >>>title, I'll just trade it in with a month or two remaining. Does that
> >>>sound reasonable?
>
> >>Trading a well running car for a new car typically makes little sense.
>
> >You always have hamburger and never steak?
>
> Makes little sense to have one steak and pay for it for the rest of your
> life.
>
> It amuses me when college kids (and others) use their credit cards to
> eat out & then pay interest on that debt for 10-20 years.
>
> Banks love it.- Hide quoted text -
>
> - Show quoted text -

That's one of the reasons the company that owns one of my cards keeps
calling to ask if anything is wrong (or why I'm not buying anything).
I'm being very atypical by not having a balance on anything but my
mortgage right now. Sometimes buy something on a card and almost
immediately pay it off online to show I still "use" it. But I was one
of those college kids once upon a time; didn't equate the "have it
now" with "owe forever".

== 3 of 4 ==
Date: Thurs, Mar 20 2008 11:39 am
From: Seerialmom

On Mar 19, 5:03 pm, George Grapman <sfgeo...@paccbell.net> wrote:
> val189 wrote:
> > On Mar 18, 10:30 pm, somebody <s...@body.com> wrote:
> >> I only have 5 months to pay on my car. At that point, I plan to trade it
> >> in on a new car.
>
> > Why do you want to trade it in? Personally, I loved the years of not
> > having car payments. Gave me a chance to beef up the rainy day
> > account or be in better shape for the next car purchase..
>
> Reminds me of the best cars I ever had, dollar for dollar. In early
> 1998 my car died. I just wanted something to get me thorough the next 6
> months. Found a 1980 Honda for $350 that the owner admitted would need a
> clutch. I babied the clutch (not an easy task in San Francisco) but 4
> months later it had to be replaced, Had the car until late 1999 when I
> sold it for the same $350.
> I am still driving the car I purchased in 1999. About once every two
> years it needs a repair in the $300 range. Went to LA last month and got
> about 35 mpg,Saturn 4 door,fully paid for.

A man after my own heart! I've often bought used vehicles for $1200
or under, drive for 2-4 years....and then turn around and sell for the
same price. And none needed major work. Made me crazy when my
daughter and her bf wanted to dump the perfectly fine running 92 Camry
I found them for $500 (and it was the "luxury" model with moon roof,
etc) to buy a "new" Dodge Charger.

== 4 of 4 ==
Date: Thurs, Mar 20 2008 2:00 pm
From: James

On Mar 20, 2:39 pm, Seerialmom <seerial...@yahoo.com> wrote:
> On Mar 19, 5:03 pm, George Grapman <sfgeo...@paccbell.net> wrote:
>
>
>
>
>
> > val189 wrote:
> > > On Mar 18, 10:30 pm, somebody <s...@body.com> wrote:
> > >> I only have 5 months to pay on my car. At that point, I plan to trade it
> > >> in on a new car.
>
> > > Why do you want to trade it in? Personally, I loved the years of not
> > > having car payments. Gave me a chance to beef up the rainy day
> > > account or be in better shape for the next car purchase..
>
> > Reminds me of the best cars I ever had, dollar for dollar. In early
> > 1998 my car died. I just wanted something to get me thorough the next 6
> > months. Found a 1980 Honda for $350 that the owner admitted would need a
> > clutch. I babied the clutch (not an easy task in San Francisco) but 4
> > months later it had to be replaced, Had the car until late 1999 when I
> > sold it for the same $350.
> > I am still driving the car I purchased in 1999. About once every two
> > years it needs a repair in the $300 range. Went to LA last month and got
> > about 35 mpg,Saturn 4 door,fully paid for.
>
> A man after my own heart! I've often bought used vehicles for $1200
> or under, drive for 2-4 years....and then turn around and sell for the
> same price. And none needed major work. Made me crazy when my
> daughter and her bf wanted to dump the perfectly fine running 92 Camry
> I found them for $500 (and it was the "luxury" model with moon roof,
> etc) to buy a "new" Dodge Charger.- Hide quoted text -

I've had good luck and bad. Some cars manage to pass an independent
mechanics inspection and still need major work 6 months later.

I bought a three year old Chrysler Intrepid after having it inspecting
and having reviewed all the maintenance records, and it was a
disaster.

I ditched it when it needed another $1200 of repairs, and the tranny,
which I had already replaced once, was ready to go again.

My current vehicle, a Mazda MPV runs as well as the day I bought it 3
years ago, and other than one tranny flush and fill(not on scheduled
maintenance), I've only replaced lightbulbs, air filters etc. And it
was 3 years old when I bought it. I will easily get another 4 years
more if the body holds out.

James

==============================================================================
TOPIC: you want like me
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/322612690172bd3e?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 6:44 am
From: rajupriya74@gmail.com

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a90d021e54f37ba0?hl=en
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== 1 of 1 ==
Date: Thurs, Mar 20 2008 7:13 am
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/27f07963aef0d5bb?hl=en
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== 1 of 1 ==
Date: Thurs, Mar 20 2008 7:25 am
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/431e87607fdf8065?hl=en
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== 1 of 1 ==
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TOPIC: Subprime Crisis 2005 - 2014
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/34815c36fd6948b9?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 8:24 am
From: Klaudio Zic

First published by Klaudio Zic Publications, 2008, www.lulu.com/astrology.
Copyright (c) 2008 By Klaudio Zic. All Rights Reserved. No part of this
material may be reproduced or transmitted in any form or by any means,
electronic or otherwise, for commercial purposes or otherwise, without
the written permission of the author, except when permitted by law.

SUBPRIME MORTGAGE CRISIS

APOCALYPTIC PREDICTIONS

Albeit catastrophic, our predictions as based on the zodiacal
constellations of Cetus and Hydra receive their update through the
current subprime mortgage crisis.

WATER WARS

Underwater domains and water resources will become a primary focus and
currency in the new world that we are facing already tomorrow.

CRISIS PEAKS

The peaks of the current crisis have been studied and displayed
through a variety of diagrams ranging from 2002 AW197 perturbations to
the sword of Damocles. The years 2005 to 2012 have been covered in
detail. The present primary focus of the crisis is still the entrance
of 2002 AW197 and Venus in Hydra in the year 2007. The peaks are
accurately enlisted for the year 2007 through 2010 in the current
update, with portents covering 2005 through Mayan 2011 and the Vatican
crisis in the year 2014.

Klaudio Zic

Redistribution of this file in any form is violation of the Copyright
Law.

This copyrighted material has been previously published as available
from http://www.lulu.com/astrology

Transmitted in any form or by any means, electronic or otherwise, for
commercial purposes or otherwise,

without the written permission of the author, except when permitted by
law.

==============================================================================
TOPIC: How much is your electric bill?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/474b552ab22ee28c?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Mar 20 2008 10:00 am
From: Cindy Hamilton

On Mar 19, 2:47 pm, Jeff <jeff@spam_me_not.com> wrote:
> Cindy Hamilton wrote:
> > On Mar 19, 11:54 am, Jeff <jeff@spam_me_not.com> wrote:
> >> P.O.W. wrote:
> >>> In article
> >>> <c100f473-7d77-4156-b148-dc699521d...@e23g2000prf.googlegroups.com>,
> >>> Seerialmom <seerial...@yahoo.com> wrote:
> >>>> No place to put insulation without a LOT of trouble.
> >>> actually you don't "need" insulation if you heat with Radiant heating.
> >>> It works the same way the Sun heats the earth.,
> >>> The air is not heated, objects are warmed by Radiation.
> >>> Hint; the source of the heat must be in the space. not in the basement.
> >> Heat is transmitted via three methods.
>
> >> 1) Radiation: By being near something warm
> >> 2) Conduction: Insulation slows conduction losses
> >> 3) Convection: Air circulation currents convect heat
>
> >> Now, if you are outside and sitting by a fire, then you are being
> >> heated by radiation.
>
> >> The problem with that is that only one side is being warmed. Inside a
> >> house radiant heat heats all the objects inside the room including the
> >> walls. Those objects in turn warm (or cool) the house occupants, just as
> >> a radiator does. The temperature of a radiant floor is just a few
> >> degrees warmer than the rest of the environment because the surface area
> >> is large. Now, if you have cold walls, then you will feel those just as
> >> surely as you feel the warmth from the floor.
>
> >> Radiant heat works better in drafty and poorly insulated spaces, but
> >> it does not mean that you wouldn't be more comfortable in a better
> >> insulated space and that your heat bill would be lower.
>
> >> Radiant heat (from broad area sources) is more comfortable than what
> >> some people refer to as scorched air heating.
>
> >> Jeff
>
> > Thank you all for your very kind remarks and recommendations.
>
> > However, I am not going to rip up my interior walls because:
> > I don't want to perform the work; I have other projects lined up.
> > I don't want to live with the mess.
> > I don't want to do anything that would affect the lovely cove
> > ceiling in
> > my living room.
>
> Well, I hope don't think we were pushing you to do any of those!
>
>
>
> > I will keep my high-efficiency forced air furnace (rather than
> > switching
> > to radiant). It is only 5 years old.
>
> Forced air is common and radiant can be hard to retrofit. Few people
> retrofit radiant without a very good reason.
>
>
>
> > I will turn my attention to installing a proper HVAC system in my
> > husband's
> > workshop, which is currently being heated by portable electric
> > heaters.
> > That has cost a ton of money the last two winters.
>
> Adding insulation there might help if this is unfinished. There are
> insulation sheets (4' x 8') made of polyisocyanurate, usually with a
> foil cover. The polyiso has the advantage here of being flame retardant
> as well as being a green product. Cheap to boot.

Well, when we built it with our own four hands, we built it with 2x6
studs and had it insulated with NuWool. It's tighter and
better insulated than most houses hereabouts.

It has always been our plan to put in a proper HVAC system; we've
been dithering for two years trying to find someone with an HVAC
license who will let us do some of the work. You can't buy a furnace
around here without a license. We've finally lined up a semi-retired
HVAC guy and the system goes in next month.

Cindy Hamilton

==============================================================================
TOPIC: Free WiFi @ my local Chick-Fil-A
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/eecebb13c01f453d?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Mar 20 2008 12:10 pm
From: JonL

James wrote:
> Anyone here taking advantage? I've use WiFi at coffee houses but
> Chick seems a little too greasy to me. I'm afraid the frying might
> cause a oily film to attack my laptop.

Don't take the laptop to work, or try it from outside, in your car.

I get mine free at home from the flower shop on the corner, with the
help of a small dish antenna.

== 2 of 2 ==
Date: Thurs, Mar 20 2008 2:42 pm
From: JonL

JonL wrote:
> James wrote:
>> Anyone here taking advantage? I've use WiFi at coffee houses but
>> Chick seems a little too greasy to me. I'm afraid the frying might
>> cause a oily film to attack my laptop.
>
> Don't take the laptop to work, or try it from outside, in your car.
>
> I get mine free at home from the flower shop on the corner, with the
> help of a small dish antenna.
>

==============================================================================
TOPIC: Antihistamine nasal spray over the counter?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/adc29ba237b92133?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Mar 20 2008 12:33 pm
From: JonL

me@privacy.net wrote:
> Have and advice on one?
>
> I have a cold or something and my nose is running like
> a water faucet. Normally when that happens it drips
> down back of my throats and cause chest infection
>
> Instead of a histamine pill..... was wondering if any
> kind of over counter nose spray is available as it
> wouldn't be "systemic".

http://www.sinucleanse.com/

== 2 of 2 ==
Date: Thurs, Mar 20 2008 2:42 pm
From: JonL

JonL wrote:
> me@privacy.net wrote:
>> Have and advice on one?
>>
>> I have a cold or something and my nose is running like
>> a water faucet. Normally when that happens it drips
>> down back of my throats and cause chest infection
>>
>> Instead of a histamine pill..... was wondering if any
>> kind of over counter nose spray is available as it
>> wouldn't be "systemic".
>
>
>
>
> http://www.sinucleanse.com/
>

==============================================================================
TOPIC: QualityGenerics.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/993d292753f12680?hl=en
==============================================================================

== 1 of 3 ==
Date: Thurs, Mar 20 2008 12:48 pm
From: JonL

emanuele.giolfo@gmail.com wrote:
> Just a few lines about QualityGenerics.com.
>
> I've placed an order for finasteride pills on that website on january
> 28th and haven't received anything..
> The customer service operators tell me that there has been a change in
> website ownership and that they can take no responsability for
> previous orders.
>
> I've lost 106 euros !!
> Be careful.

try alldaychemist.com

Fast service from India.

== 2 of 3 ==
Date: Thurs, Mar 20 2008 1:39 pm
From: clams_casino

JonL wrote:

> emanuele.giolfo@gmail.com wrote:
>
>> Just a few lines about QualityGenerics.com.
>>
>> I've placed an order for finasteride pills on that website on january
>> 28th and haven't received anything..
>> The customer service operators tell me that there has been a change in
>> website ownership and that they can take no responsability for
>> previous orders.
>>
>> I've lost 106 euros !!
>> Be careful.
>
>
> try alldaychemist.com
>
> Fast service from India.

Best part about buying pills on line from overseas is that there is
rarely any allergic reactions (unless one is allergic to salt).

== 3 of 3 ==
Date: Thurs, Mar 20 2008 2:43 pm
From: JonL

JonL wrote:
> emanuele.giolfo@gmail.com wrote:
>> Just a few lines about QualityGenerics.com.
>>
>> I've placed an order for finasteride pills on that website on january
>> 28th and haven't received anything..
>> The customer service operators tell me that there has been a change in
>> website ownership and that they can take no responsability for
>> previous orders.
>>
>> I've lost 106 euros !!
>> Be careful.
>
> try alldaychemist.com
>
> Fast service from India.
>

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