http://groups.google.com/group/misc.consumers.frugal-living?hl=en
misc.consumers.frugal-living@googlegroups.com
Today's topics:
* Concord Sportivo Steel Ladies Watch 0310404 Replica - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0325af2e236e9632?hl=en
* Concord Sportivo Diamond Steel Ladies Watch 0310412 Replica - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b117ef590e7d41bd?hl=en
* cheap cigarettes store www.cigsdepot.com - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/005a1db355197563?hl=en
* Ayone watching Hulu.com frre Internet TV? - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2c304c568cdd9f71?hl=en
* Bottega Veneta Woven Nappa,handbags retail,wholesale,dropship - 1 messages,
1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/425660c15abb5bab?hl=en
* Your satisfactions,Our pursuit! (www.ec231-silkonroad.cn) - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0927e0cbcf08bcfd?hl=en
* cheapes jordan shoes , nike shoes, clothing, bbc, bag, ipod nano for sale
http://www.nikesoul.com - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/68f556f6ab3998f2?hl=en
* Is Buying A Hybrid Really Smart?? - 5 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/fbeb9906bdd8972d?hl=en
* Advertising Articles - Freeinformationwebsite.com - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ca58530ab2f8d71a?hl=en
* Is it fraud or thinking ahead? - 7 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e2dd240757c24097?hl=en
* Using laptop as full time "desktop"? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a2018c122b61360?hl=en
* Water softener, iron reducing bacteria (IRB) - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/50960dcbcfdc675d?hl=en
==============================================================================
TOPIC: Concord Sportivo Steel Ladies Watch 0310404 Replica
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0325af2e236e9632?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 7:49 am
From: sales037@aaa-replica-watch.com
Concord Sportivo Steel Ladies Watch 0310404 Replica, Fake, Cheap, AAA
Replica watch
Concord Sportivo Steel Ladies Watch 0310404 Link :
http://www.aaa-replica-watch.com/Concord_0310404.html
Buy the cheapest Concord Sportivo Steel Ladies Watch 0310404 in
toppest Replica . www.aaa-replica-watch.com helps you to save money!
Concord-0310404 , Concord Sportivo Steel Ladies Watch 0310404 ,
Replia , Cheap , Fake , imitation , Concord Watches
Concord Sportivo Steel Ladies Watch 0310404 Information :
Brand : Concord Watches (http://www.aaa-replica-watch.com/
Replica_Concord.html )
Gender :
Model : Concord-0310404
Case Material :
Case Diameter :
Dial Color :
Bezel :
Movement :
Clasp :
Water Resistant :
Crystal :
Our Price : $ 215.00
Availability: Contact Us For AvailabilityConcord Sportivo Steel Ladies
Watch 0310404Stainless steel case and bracelet. Silver dial. Scratch
resistant sapphire crystal. Push button deployment clasp. Case
diameter 19mm. Case thickness 6mm. Quartz movement. Water resistant at
50 meters (165 feet). Concord Sportivo Steel Ladies Watch
0310404Concord Sportivo Steel Ladies Watch 0310404 is brand new, join
thousands of satisfied customers and buy your Concord Sportivo Steel
Ladies Watch 0310404 with total satisfaction . A Haob2b.com 30 Day
Money Back Guarantee is included with every Concord Sportivo Steel
Ladies Watch 0310404 for secure, risk-free online shopping. Haob2b.com
does not charge sales tax for the Concord Sportivo Steel Ladies Watch
0310404, unless shipped within New York State. Haob2b.com is rated 5
stars on the Yahoo! network.
Concord Sportivo Steel Ladies Watch 0310404 Replica, With the mix of
finest craftsmanship and contemporary styling, not only does it
reflect the time but also care you put into looking good. choose one
to promote your quality and make yourself impressive among people
Thank you for choosing www.aaa-replica-watch.com as your reliable
dealer of quality waches including Concord Sportivo Steel Ladies Watch
0310404 . we guarantee every watch you receive will be exact watch you
ordered. Each watch sold enjoy one year Warranty for free repair.
Every order from aaa-replica-watches is shipped via EMS, the customer
is responsible for the shipping fee on the first order, but since the
second watch you buy from our site, the shipping cost is free. Please
note that If the total amount of payment is over $600(USD), the
customer is required to contact our customer service before sending
the money in case failed payment. If you have any other questions
please check our other pages or feel free to email us by service@aaa-
replica-watch.com.
The Same Concord Watches Series :
Concord Sportivo Steel Black Ladies Watch 0310401 :
http://www.aaa-replica.com/Concord_0310401.html
Concord Sportivo Steel Mens Watch 0310399 :
http://www.aaa-replica.com/Concord_0310399.html
Concord Saratoga Sl Ladies Watch 0301003 :
http://www.aaa-replica.com/Concord_0301003.html
Concord Saratoga SL 18kt Yellow Gold And Steel Ladies Watch 0306767 :
http://www.aaa-replica.com/Concord_0306767.html
Concord Saratoga Chronograph Steel Mens Watch 0310986 :
http://www.aaa-replica.com/Concord_0310986.html
Concord Saratoga Steel Mini Ladies Watch 0310956 :
http://www.aaa-replica.com/Concord_0310956.html
Concord Saratoga Diamond Mother-of-Pearl Steel Mini Ladies Watch
0310958 :
http://www.aaa-replica.com/Concord_0310958.html
Concord Saratoga SL 18kt Yellow Gold Diamond Ladies Watch 0307574 :
http://www.aaa-replica.com/Concord_0307574.html
Concord Saratoga SL 18kt Yellow Gold Diamond Blue Ladies Watch
0301560 :
http://www.aaa-replica.com/Concord_0301560.html
Concord Saratoga Diamond 18kt Yellow Gold And Steel Mini Ladies Watch
0310566 :
http://www.aaa-replica.com/Concord_0310566.html
Concord Saratoga Diamond 18kt Yellow Gold Mini Ladies Watch 0310823 :
http://www.aaa-replica.com/Concord_0310823.html
Concord Saratoga 18kt Yellow Gold Mens Watch 0310821 :
http://www.aaa-replica.com/Concord_0310821.html
==============================================================================
TOPIC: Concord Sportivo Diamond Steel Ladies Watch 0310412 Replica
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b117ef590e7d41bd?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 7:49 am
From: sales037@aaa-replica-watch.com
Concord Sportivo Diamond Steel Ladies Watch 0310412 Replica, Fake,
Cheap, AAA Replica watch
Concord Sportivo Diamond Steel Ladies Watch 0310412 Link :
http://www.aaa-replica-watch.com/Concord_0310412.html
Buy the cheapest Concord Sportivo Diamond Steel Ladies Watch 0310412
in toppest Replica . www.aaa-replica-watch.com helps you to save
money! Concord-0310412 , Concord Sportivo Diamond Steel Ladies Watch
0310412 , Replia , Cheap , Fake , imitation , Concord Watches
Concord Sportivo Diamond Steel Ladies Watch 0310412 Information :
Brand : Concord Watches (http://www.aaa-replica-watch.com/
Replica_Concord.html )
Gender :
Model : Concord-0310412
Case Material :
Case Diameter :
Dial Color :
Bezel :
Movement :
Clasp :
Water Resistant :
Crystal :
Our Price : $ 215.00
Availability: Contact Us For AvailabilityConcord Sportivo Diamond
Steel Ladies Watch 0310412Stainless steel case and bracelet. Mother-of-
pearl dial with 8 diamond hour markers. Bezel set with 22 diamonds.
Scratch resistant sapphire crystal. Hidden deployment clasp. Case size
20mm x 26mm. Case thickness 6mm. Quartz movement. Water resistant at
30 meter (100 feet). Concord Sportivo Diamond Steel Ladies Watch
0310412 Concord Sportivo Diamond Steel Ladies Watch 0310412 is brand
new, join thousands of satisfied customers and buy your Concord
Sportivo Diamond Steel Ladies Watch 0310412 with total satisfaction .
A Haob2b.com 30 Day Money Back Guarantee is included with every
Concord Sportivo Diamond Steel Ladies Watch 0310412 for secure, risk-
free online shopping. Haob2b.com does not charge sales tax for the
Concord Sportivo Diamond Steel Ladies Watch 0310412, unless shipped
within New York State. Haob2b.com is rated 5 stars on the Yahoo!
network.
Concord Sportivo Diamond Steel Ladies Watch 0310412 Replica, With the
mix of finest craftsmanship and contemporary styling, not only does it
reflect the time but also care you put into looking good. choose one
to promote your quality and make yourself impressive among people
Thank you for choosing www.aaa-replica-watch.com as your reliable
dealer of quality waches including Concord Sportivo Diamond Steel
Ladies Watch 0310412 . we guarantee every watch you receive will be
exact watch you ordered. Each watch sold enjoy one year Warranty for
free repair. Every order from aaa-replica-watches is shipped via EMS,
the customer is responsible for the shipping fee on the first order,
but since the second watch you buy from our site, the shipping cost is
free. Please note that If the total amount of payment is over
$600(USD), the customer is required to contact our customer service
before sending the money in case failed payment. If you have any other
questions please check our other pages or feel free to email us by
service@aaa-replica-watch.com.
The Same Concord Watches Series :
Concord Sportivo Steel Ladies Watch 0310404 :
http://www.aaa-replica.com/Concord_0310404.html
Concord Sportivo Steel Black Ladies Watch 0310401 :
http://www.aaa-replica.com/Concord_0310401.html
Concord Sportivo Steel Mens Watch 0310399 :
http://www.aaa-replica.com/Concord_0310399.html
Concord Saratoga Sl Ladies Watch 0301003 :
http://www.aaa-replica.com/Concord_0301003.html
Concord Saratoga SL 18kt Yellow Gold And Steel Ladies Watch 0306767 :
http://www.aaa-replica.com/Concord_0306767.html
Concord Saratoga Chronograph Steel Mens Watch 0310986 :
http://www.aaa-replica.com/Concord_0310986.html
Concord Saratoga Steel Mini Ladies Watch 0310956 :
http://www.aaa-replica.com/Concord_0310956.html
Concord Saratoga Diamond Mother-of-Pearl Steel Mini Ladies Watch
0310958 :
http://www.aaa-replica.com/Concord_0310958.html
Concord Saratoga SL 18kt Yellow Gold Diamond Ladies Watch 0307574 :
http://www.aaa-replica.com/Concord_0307574.html
Concord Saratoga SL 18kt Yellow Gold Diamond Blue Ladies Watch
0301560 :
http://www.aaa-replica.com/Concord_0301560.html
Concord Saratoga Diamond 18kt Yellow Gold And Steel Mini Ladies Watch
0310566 :
http://www.aaa-replica.com/Concord_0310566.html
Concord Saratoga Diamond 18kt Yellow Gold Mini Ladies Watch 0310823 :
http://www.aaa-replica.com/Concord_0310823.html
==============================================================================
TOPIC: cheap cigarettes store www.cigsdepot.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/005a1db355197563?hl=en
==============================================================================
== 1 of 3 ==
Date: Wed, Mar 12 2008 7:51 am
From: burton
buy cheap cigarettes
We deliver cheap cigarettes for USA customers
http://www.cigsdepot.com
http://cheapcigarettes-best.blogspot.com/
http://cheapcigarettes-buy.blogspot.com/
http://tobacco-history.blogspot.com/
http://cigarette-history.blogspot.com/
http://cheap-online-store.blogspot.com/
http://weblog.xanga.com/sella82/
http://camel-cigarettes-camel.blogspot.com/
== 2 of 3 ==
Date: Wed, Mar 12 2008 11:13 am
From: "Tockk"
It's cheaper to quit smoking . . .
== 3 of 3 ==
Date: Wed, Mar 12 2008 11:35 am
From: clams_casino
Tockk wrote:
>It's cheaper to quit smoking . . .
>
>
>
>
but encouarging smoking helps to keep social security funding in balance.
==============================================================================
TOPIC: Ayone watching Hulu.com frre Internet TV?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2c304c568cdd9f71?hl=en
==============================================================================
== 1 of 2 ==
Date: Wed, Mar 12 2008 7:54 am
From: me@privacy.net
Seems pretty cool!
Decent selection...... works...etc
What YOU think?
== 2 of 2 ==
Date: Wed, Mar 12 2008 10:33 am
From: clams_casino
me@privacy.net wrote:
>Seems pretty cool!
>
>Decent selection...... works...etc
>
>What YOU think?
>
>
>
>
I think your virus containing Spam is a sham.
==============================================================================
TOPIC: Bottega Veneta Woven Nappa,handbags retail,wholesale,dropship
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/425660c15abb5bab?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 8:11 am
From: lottutrade@gmail.com
Bottega Veneta Woven Nappa
An expandable bag just sounds so utilitarian and down-to-earth that
there?s no possible way it could pass for glamorous. Yet Bottega
Veneta proves us wrong with the newest version of their classic
Interecciato Tote. This roomy carryall adjusts easily - and without
succumbing to schlubby-purse syndrome - and holds your plentiful
essentials in style. As usual, another winner from Bottega Veneta
Color: Dark Brown /Black Supple, pebbled with woven detail ? Brushed
pewtertone hardware ? Open top, with no closure ? 16?' double handles
with 5?' drop; fits on shoulder ? Khaki Fabric lining with zip pocket
Size: 16.25 x 12.5 x 6 Inches
Please visit our website for more choice, welcome to visit:
http://www.lottutrade.cn
Hi,we are Designer handbag supplier,we can offer mirror image designer
handbag,such as louis vuitton,chloe,balenciaga,prada,fendi,our bags
are top quality with best price.
We accept small orders!drop shipping
please visit our website:
http://www.lottutrade.cn
http://www.lottutrade.cn
http://www.lottutrade.cn
http://www.lottutrade.cn
for more information
Welcome to become our distributors.
We are China wholesale cn , retail cn, wholesaler cn, retailer cn, we
offer top quality leather designer handbags, we offer drop ship,
dropship cn, drop shipping cn, dropshipping cn,dropshipper,drop
shipper.
=========================
Our Catalog as follow:
LOUIS VUITTON~Damier Azur Saleya PM bag/purse
LOUIS VUITTON CHERRY BLOSSOM RETRO BAG PURSE
LOUIS VUITTON MULTICOLORE PORTE TRESOR WALLET
LOUIS VUITTON PERF FUSCHIA COMPACT ZIPPED WALLET
CHANEL COCO CABAS BLACK LEATHER TOTE BAG
Chanel Blanco Quilted Orange
Chanel Cambon Flap bag Black
Chanel Denim Bag with long strap
Chanel Denim Messenger Bag
Chanel Denim Tote
Chanel Leather Bowler Bag Brown
Chanel Ligne Cambon Bowling Bag Black/white
Chanel Ligne Cambon Bowling Bag White/Black
Chanel Ligne Cambon Bowling Bag White/Snake
Chanel Ligne Cambon Flap Bag White Snake
Chanel Ligne Cambon Large Tote White
Chanel Ligne Cambon Multipocket Bag Black
Chanel Ligne Cambon Small Messenger Pouch White
Chanel Ligne Cambon Waist Pouch White Snake
Chanel Pink Wallet Key Holder with Black CC Logo
Chanel Pony Tote Cambon Black
Chanel Wallet cambon elegant White
Chanel Wallet Cambon White Key Holder
Chanel Wallet Large Black Leather Purse with Black Shiny CC LogoChanel
Fall 2007
Chanel Chain Strap Handbag
New Season Chanel Purses
Chanel Shoulder Bag in Eggshell
NEW CHANEL 2.55 Perforated Quilted Lambskin Classic Bag
CHANEL COCO CABAS BRONZE LEATHER TOTE
RJC BRONZE MODERN CHAIN AUTHENTIC New CHANEL BAG
NWT CHANEL CLASSIC CAVIAR BAG 2006121204
RJC 07C 2.55 NAVY BLUE PATENT New CHANEL BAG
CHANEL PERFORATED LAMBSKIN Red/Pink CLASSIC 2.55 HANDBAG
CHANEL Luxury Line Metallic Black Flap Bag
CHANEL 2007 LARGE DENIM COCO CABAS BAG/PURSE
New Gucci Beige White Handbag Tote Bag
GUCCI SHOULDER HANDBAG PURSE BAG TOTE
GUCCI Medium Shoulder Bag/ in Brown
GUCCI Boston Bag
BALENCIAGA LEDIX MOTORCYCLE BAG
Gucci Britt medium shoulder bag with handle black
Gucci Handbag Large Hobo Beige Brown
Gucci Handbag Medium Eclipse Beige Brown
Gucci Handbag Medium Tote Beige Brown
Gucci 'hasler' medium top handle tote whit brown leather
Gucci large boston Black bag 85th limited edition Collection
Gucci large Wave boston bag black
Gucci large Wave boston bag green
Gucci Medium Boston Bag
Gucci Messenger Chocolate Bag
Gucci 'positano' medium tote chocolate
Gucci treasure boston bag black
Gucci Belt Bag 2006092814
Gucci Race Medium Top Handle Handbag 2007030505
Gucci Pelham Medium Shoulder Bag 2006103101
Gucci Peggy Large Shoulder Bag 2007011616
Gucci Medium Top-Handle Tote 2006112123
Gucci Britt Medium Tote 2006112201
Gucci Bouvier Large Hobo 2006111012
Gucci Pelham Medium Shoulder Bag 2006103101
Gucci Large 85th Anniversary Hobo 2006112201
GUCCI JOLICOEUR MEDIUM TOTE
Gucci Handbags Spring - Summer 2007 - BOUVIER BAG
Gucci Handbags - Spring-Summer 2007 - POSITANO BAG 2006101405
Gucci Handbags - Spring-Summer 2007 - PRINCY 2006111701
Gucci Handbags - Fall-Winter 2006/07 - BRITT 2006112123
Gucci Handbags - Fall-Winter 2006/07 - 85th ANNIVERSARY - RUSTY
2006082008
Gucci Handbags - BOUVIER - Fall - Winter 2006/07 2006112208
Gucci women's handabgs "85th GUCCI" Fall/Winter 2006/2007
Gucci women's handabgs "BELT BAG" Spring/Summer 2007
Gucci Hobo fur bag
GUCCI LARGE Boston GUCCISSIMA Leather Tote Bag
GUCCI Black Guccissima Medium BRITTS Bag
GUCCI Bouvier Suede Hobo Bag Handbag
Gucci Pelham Horsebit Shoulder Bag
Gucci Britt Braided Suede Hand Bag
GUCCI Guccissima Jackie Hobo Bag Handbag
GUCCI MONOGRAM BOSTON BAG WITH KEYS
GUCCI JOLICOEUR med. Pink Bag
New GUCCI Guccissima Belt Pocket Bag
GUCCI BAMBOO HORSEBIT AMALFI BAG
Gucci Pelham Horsebit Shoulder Bag
GUCCI MEDIUM SCARF TOTE BAG
GUCCI ABBEY MEDIUM MESSENGER BAG
Vintage Gucci Doctors Bag Purse
GUCCI HORSEBIT BAG - LARGE BEIGE BROWN
GUCCI Cruise Bag with Scarf
Gucci Boston Brown Medium Tote Bag w/Stripes
GUCCI navy LEATHER tote bag BIG GG
GUCCI BROWN MONOGRAM HORSEBIT PELHAM BAG
Gucci Waist Pouch w/ Dust Bag
GUCCI Monogram Waist Bag/Fanny Pack
Christian Dior Gaucho Bag in Warm Brown
Christian Dior Gaucho Large Double Saddle Bag Brown
Dior Cannage Large Shopper Dark Brown Cannage Large Shopper Dark
Brown
Christian Dior Spring 2007 gimmick-free chain-handled handbags
2006122005
Metallic Dior Gaucho
Dior Gaucho Washed Metallic Leather Medium Saddle Bag
Dior Gaucho Denim/Leather Medium Saddle Bag
Dior Jeanne Nubuck Medium Bag
Dior Metallic Cannage Medium Shoulder Bag 2006110704
Dior Gaucho Washed Metallic Leather Medium Saddle Bag
Dior Gaucho Croc Embroidered Medium Saddle Bag
Jeanne Aged Goatskin Medium Bag
Chloe East West Paddington Handbag Antique White
Chloe East West Paddington Handbag White
Chloe Edith Leather Tobacco Bag Black
Chloe PYTHON Silverado Handbag Black 002
Chloe PADDINGTON Leather Handbag y630
Chloe Ivory leather Edith Long Shopper
Chloe Large Paddington Tote Blue
Chloe Large Pouch Pocket Paddington Bag Red
Chloe Paddington Handbag Black/Black
Chloe Tracy Satchel Black
Chloe Large PADDINGTON Satchel Handbag 2007
Chloe Handbags Spring - Summer 2007 - Mini Paddington Bag
Chloe Betty Satchel Bags
Chloe Silverado Python bags are
CHLOE Paddington Satchel Tote Bag
FENDI SPY LEOPARD PRINT BAG 2582
FENDI SPY BAG - Brown Nappa Leather & Zucca 2581
Amazing Fendi Spy Bag Horse Hair 2580
FENDI SPY BAG in Crocodile Print With Zucca
FENDI SPY BAG NAPPA Leather Handbag in Brown Braided
FENDI B Bag: NAPPA VERNICE/Black Python Purse
Fendi Palazzo BUCKET BAG
Fendi Fur Skunk Bag
FENDI BRN PATEN LEATHER W GOLD DECOR PURSE
Fendi Mink Spy Bag
Fendi Jessica Simpson Style: Fendi Small Spy Bag
Fendi Canvas B Bag
Fendi Leopard B Bag
Fendi Spy Handbag
Fendi Patent Leather B Bag
Fendi Crossword Grande Mirrored Bag
Fendi Transparent Zucca Tote with Pouch
Fendi Crossword Patent Clutch
Fendi Crossword Grande Net Bag
Fendi Handbags Spring - Summer 2007 - LEOPARD PRINT 2006110804
Fendi Handbags Spring - Summer 2007 - CANVAS METALLIC TRIM
Fendi Handbags Spring - Summer 2006 - SPY BAG - GOLD LEATHER PLEATED
BAG 2007031126
Fendi Handbags Spring - Summer 2007 - SPY BAG 2007010717
Fendi Handbags - SQUIRREL SPY BAG - Spring - Summer 2007 2007011703
Fendi women's handbags "MEDIUM B BAG" Spring/Summer 2007 2007031127
Fendi women's handabgs "SMALL B BAG" Spring/Summer 2007 2006112730
Fendi women's handabgs Fall/Winter 2006/2007 2006112732
Fendi B. Fendi Metallic Leather Shoulder Bag 2006112821
Fendi B. Leopard Print Fur Medium Bag 2006112727
Fendi Grained Leather Small Bucket Bag 2006112731
Fendi Zucca Small Bucket Bag 2006112732
Fendi Large Twill Bag 2006101406
Fendi B. Fendi Patent Leather Medium Shoulder Bag
Miu Miu Coffer 2007031119
Miu Miu Antiqued Leather Handbag
Miu Miu Quilted Linen Hobo 2007040703
MIU MIU BY PRADA HANDBAG BAG PURSE TOTE BROWN
MIU MIU HANDBAG BAG PURSE TOTE ON CELEBRITY COFFER
MIU MIU HANDBAG BAG PURSE TOTE LEATHER
MIU MIU Nappa Sport Satchel Bag
MIU MIU PURSE BLUE VELVET DOCTOR BAG W/ BRAIDED HANDLES
MIU MIU by PRADA Bufalo Washed Leather Hobo Bag
MIU MIU Runway Tobacco Nappa Leather Ruched Bag
suede ruched MIU MIU by Prada bag
Miu Miu Matelasse Quilted Black Leather Hobo Bag
Dolce & and Gabbana, D&G Black Leather Spring Hand Bag Purse
2007 new arrival D&G handbag/bag/shoulder
DOLCE & GABBANA CELTIC SHOPPING TOTE BAG BRONZE NR
Prada Handbags Spring - Summer 2007
Prada Handbags - Spring-Summer 2007 - GAUFRE ANTIK
Prada Nappa Gaufre Convertible Handbag
Prada Gauffre
New 2007 PRADA Leather DRAGON Bag Handbag
PRADA HANDBAG BAG PURSE TOTE NAPPA GAUFFRE BROWN
NEW MPRS PRADA Patent Vinyl Vernice Gauffre Gaufre Bag
PRADA NYLON RUCHED GAUFRE SATCHEL BAG
PRADA Men's Runway Nylon & Leather Carry-On Travel Bag
Prada Gauffre Antik Nappa bag
PRADA BLACK WATERPROOF LEATHER BAG HANDBAG PURSE
Loewe handbag
Marc Jacobs Patchwork STAM BAG HANDBAG PURSE TOTE BLUE/BLACK
HERMES wallet
THOMASWYLDE cffee real leather evening bag/handbag
Juicy Couture Handbag YHRU0482, Tote Brown Bag
Juicy Couture Cocoa Large Leather Tote Bag
JUICY COUTURE DAYDREAMER DAY DREAMER BAG HANDBAG TOTE
YSL/Yves Saint Laurent Black Leather With Barrel Closure Rive Gauche
Bag
GUESS handbag
Versace purse
And we provide some Brand Shoes including Gucci,Nick Airmax 2004,Nick
Airmax 2003,Nick Airmax 97,Nick Airmax 95,Nick NZ,Nick TN,Nick TL,Nick
R4,Nick Reebok,Puma,Jordan,Dunk
Louis Vuitton Monogram Canvas Stephen
Louis Vuitton Monogram Canvas Tulum PM
Louis Vuitton Monogram Croissant GM
Louis Vuitton Monogram Macha Waltz Oscar
Louis Vuitton Denim Cruise Mini Pleaty Raye
Louis Vuitton monogram leopard Adele
Louis Vuitton monogram leopard Stephen
Louis Vuitton Monogram Trouville
Louis Vuitton Monogram Tikal Pm
Louis Vuitton Monogram Tikal GM
Louis Vuitton Monogram Multicolore Black Aurelia MM
Louis Vuitton Monogram Multicolore Eliza Black
Louis Vuitton Multicolor Alma Black
Louis Vuitton Multicolor Black Papillon 30
Louis Vuitton Multicolor Black Petit Neo
Louis Vuitton Multicolor Black Speedy 30
Louis Vuitton Multicolor Black Trouville
Louis Vuitton Multicolor Lodge GM Black
Louis Vuitton Multicolor Lodge GM White
Louis Vuitton Multicolor White Audra
Louis Vuitton Multicolor White Boulogne
Louis Vuitton Multicolor White Keepall 45
Louis Vuitton Antigua Navy Striped Cabas PM
LV Louis Vuitton TULUM PM Handbag Purse Bag
Louis Vuitton Denim Alligator Sac Speedy Hand Bag
We are China wholesale cn , retail cn, wholesaler cn, retailer cn, we
offer top quality leather designer handbags, we offer drop ship,
dropship cn, drop shipping cn, dropshipping cn,dropshipper,drop
shipper.
New Louis Vuitton Patchwork Denim Bowly Bag Purse
LOUIS VUITTON MONOGRAM GOLD DENTELLE SPEEDY BAG Handbag
LOUIS VUITTON DENIM CRUISE CABAS GM BAG
LOUIS VUITTON DENTELLE DENTEL SILVER LACE SPEEDY 30 Spring 07
LOUIS VUITTON~Damier Azur Saleya PM bag/purse
LOUIS VUITTON CHERRY BLOSSOM RETRO BAG PURSE
LOUIS VUITTON MULTICOLORE PORTE TRESOR WALLET
LOUIS VUITTON PERF FUSCHIA COMPACT ZIPPED WALLET
==============================================================================
TOPIC: Your satisfactions,Our pursuit! (www.ec231-silkonroad.cn)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0927e0cbcf08bcfd?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 8:19 am
From: air jordan 23
Your satisfactions,Our pursuit! (www.ec231-silkonroad.cn)
Yhnetstore Co.,LTD greets and desires of success and wishes you
happy times.
This is professional export company from china who carry PAYPAL
payment and DROPSHIP .
We greated in 2007 year ,and now we become the one of best supplier
here because of we keep our credit standing .
Pls visit our site if u are interest in any products below ,
www.ec231-silkonroad.cn
Our main products :
Fashion shoes:
Air Jordan , Air force , Air max , Shox , Dunk , Adidas , Puma ,
Prada , Chanel , Gucci , Lacoste , LouisVuiton and more .
Fashion Hoodies&T-Shirt&Jeans&Jacket:
Gino Green Globa , Bape , BBC , Evsiu , Juicy couture , Burberry , 10
Deep , LRG , ED Hardy , Chanel , G-Star , Red monkey , lacoste ,
POLO,
Armani ,Replay , Tommy and more.
Fashion bags:
LouisVuiton , Pada , Chanel , Fendi , Versace , Burberry , MIUMIU ,
Y-3 , Gucci ,Chloe , Guess , Juicy and more
Electronic :
IPOD NANO ,
Features:
1) All Package are original ,coming with guarantee cards
2) Main Market : U.S.A . U.K ,ITALY , EURO COUNTRY ,
AUSTRALIA
3) Ship Company : DHL , TNT , UPS , SODIEX , EMS
4) Payment Method : PAYPAL , WESTERN UNION ,T/T .
5) Custom : We carry the custom clear and promise items
must be arrive .
Thanks for your reading , pls mail us if u have any problem
with
the business . We hope that will make a long&great business with you
in future.
Your satisfactions,Our pursuit!
==============================================================================
TOPIC: cheapes jordan shoes , nike shoes, clothing, bbc, bag, ipod nano for
sale http://www.nikesoul.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/68f556f6ab3998f2?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 8:24 am
From: shark lin
Hello, friends, We can mainly supply quality branded shoes, jordans,
af1, air max, air shox, adidas,timberland,prada,puma, and clothes like
bape, evisu, bbc. We can also supply handbags, sunglasses, hats. We
accept the small order even one pair.We can delivery goods to your
door within 5 workin days. Any interest in our products, pls feel free
to ask.
Our website: http://www.nikesoul.com
My msn: nikesoul@msn.com
MY SKYPE: nikesoul@msn.com
email: nikesoul88@yahoo.com.cn
We await your good news.
Price list:
Shoes $20-$40,T-shirt $10-$16, Jeans $20-$30,bags $25-$35
Hoody:$30-42$,hats:$10-$15,sunglass:$10-$15,belts:$10-$15
ipod nano:238usd.
==============================================================================
TOPIC: Is Buying A Hybrid Really Smart??
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/fbeb9906bdd8972d?hl=en
==============================================================================
== 1 of 5 ==
Date: Wed, Mar 12 2008 9:39 am
From: Jeff
P.O.W. wrote:
> In article <13tdpn9og7q9i34@corp.supernews.com>,
> Jeff <jeff@spam_me_not.com> wrote:
>
>> barbie gee wrote:
>>>
>>> On Tue, 11 Mar 2008, Anthony Matonak wrote:
>>>
>>>> Shawn Hirn wrote:
>>>> ...
>>>>> Even so, the Prius does not get its energy entirely from gas. You are
>>>>> simply wrong on that statement. A good deal of the battery recharging
>>>>> on a Prius comes from what Toyota calls "regenerative braking" which
>>>>> takes kinetic energy that would have been wasted from the brakes and
>>>>> uses it to recharge the battery. Its quite ingenious.
>>>> Just to be technical, the kinetic energy from the moving car was
>>>> provided by the gas engine. This means that all the energy came
>>>> from gas to start with.
>>> even when it's running in battery only mode?
>> But, where does the battery get it's energy from? The gas engine, of course!
>>
>> We are not talking about plug ins.
>>
>>> this starts to look like a bit of hair-splitting, dontcha think?
>> Not really, the energy from the regenerative braking originally came
>> from the gas engine. Even if you are going down hill, the energy to get
>> uphill came from the gas engine, or the battery which of course is
>> charged from the gas engine.
>>
>> What we are doing is managing the energy from the gas engine very
>> effectively.
>>
>> Now, I wonder about using some other engine. Stirlings could make an
>> efficient battery charger. That would require a larger battery as you
>> would be running primarily off the electric motor, but I suspect that
>> the mileage could be very good. Now, I don't expect anything like this
>> in the near future, but I suspect in 25 years stirling hybrids and
>> plugins will be common.
>>
>> Jeff
>
> why not put a solar panel on the roof / hood?
There's just not enough electricity per square foot. The solar cars that
run the solar races are pretty exotic creatures designed to have very
low drag and low weight.
> they make flexible panels now. or plug into a solar panel at home or at
> work.
The flexible panels will get less watts per SF than the polycrystaline
very expensive panels used on the solar cars.
Now, if you have a lot of south facing space on your home roof, that's a
different story. There's a new generation of more affordable solar
coming with printed technology like what Nanosolar is doing. They are
currently selling panels for under $1/watt for wholesale (power plant)
use. You can buy other technologies now for $5/watt (just for the
panels). It's not really *there* yet for us. Wait a few years and you'll
be rewarded by much lower costs.
Remember what happened with computer memory. It drifted higher until
the price collapsed. Don't expect as big a collapse for solar, but I
think in a few years we'll see half the cost we do now.
For now, it's enough of a challenge running either solar PV to a home
or running a plugin electric, to consider combining the two!
You may very well see the the PV breakthroughs go large scale before
the plugin cars. Some countries, notable Germany, have intensive solar
programs.
Wait until later this year and you should see more of everything. The
Tesla will be shipping and we'll see where NanoSolar is going.
Jeff
Now that would be a great "employee of the month" bonus.
> a carport with an array . Hey, I might get a job.
>
== 2 of 5 ==
Date: Wed, Mar 12 2008 11:02 am
From: Jeff
Lou wrote:
> "TKM" <noname@no.net> wrote in message
> news:WClBj.297039$MJ6.213849@bgtnsc05-news.ops.worldnet.att.net...
> (snipped)
>> Discussions about payback don't make any sense to me. No car has a
> payback.
>
> The payback discussion makes sense in the following way -
>
> You can buy a Honda Civic that is not a hybrid, or you can buy a Honda Civic
> that is a hybrid. The hybrid version costs more to buy than the non hybrid
> version, but gets better mileage and so uses less gas. The non hybrid
> version costs less to buy than the hybrid version, but uses more gas.
>
> So it becomes a question of do you want jam today or jam sometime in the
> future. How long will it take for the total cost of owning and operating
> the hybrid version to be less than the total cost of owning and operating
> the non hybrid version. That period is the payback period, the amount of
> time it takes before you begin to realize a return on the money invested in
> the hybrid version that's over and above what it would have cost to buy the
> non hybrid version.
>
> That period is going to be different for every car and for every driver, but
> overall there will be some average figure. Right now it looks to be
> somewhere around six years.
For similar cars like Civic to Civic Hybrid the payback times look
much longer, more like 12 years:
<URL:
Of course driving more and higher gas cost reduce that. Some of the
delivery services are going hybrid because of the high daily mileage and
the nature of the driving is ideally suited to hybrids.
As someone else pointed out, there is no payback in owning a car! It's
all payout.
Jeff
If the price of gas continues to climb, that
> time will get shorter. If the current price of gas is at least partly a
> "bubble" phenomenon (like the late housing bubble or the stock bubble before
> that) then once the bubble bursts, that time will get longer.
>
>
== 3 of 5 ==
Date: Wed, Mar 12 2008 11:15 am
From: "John Weiss"
Patient Guy <sevisen.adam@gmailDOTHEREcom> writes:
>
> I will have get some wheels soon, and my net worth is effectively zero upon
> re-patriation (all my net worth is back with my wife and kid overseas). I
> am wondering if I should get something used (pre-owned) for maybe up to
> $5000 or try to get credit on a new vehicle, gas or hybrid...now I am no
> longer convinced the hybrid will pay off for me if I go new.
If cost is the major consideration, a used Kia or Hyundai at <$10K will be your
best bet. Low initial cost, long warranty, and good gas mileage are all there.
After a couple years and you have built up your net worth again, look for
another [better] car.
A hybrid will not likely "pay off" in strict terms of dollar cost of ownership,
but the more fuel efficient your car is, the more "socially responsible" you
will be.
== 4 of 5 ==
Date: Wed, Mar 12 2008 12:56 pm
From: Dennis
On Tue, 11 Mar 2008 20:59:49 -0400, Shawn Hirn <srhi@comcast.net>
wrote:
>In article <47d6bb36$0$17339$4c368faf@roadrunner.com>,
> Anthony Matonak <anthonym40@nothing.like.socal.rr.com> wrote:
>
>> Shawn Hirn wrote:
>> ...
>> > Even so, the Prius does not get its energy entirely from gas. You are
>> > simply wrong on that statement. A good deal of the battery recharging on
>> > a Prius comes from what Toyota calls "regenerative braking" which takes
>> > kinetic energy that would have been wasted from the brakes and uses it
>> > to recharge the battery. Its quite ingenious.
>>
>> Just to be technical, the kinetic energy from the moving car was
>> provided by the gas engine. This means that all the energy came
>> from gas to start with.
>
>Not quite. Perhaps you are right for a flat road. Gravity helps for a
>road that slopes downward when a Prius is being driven down the road.
But the gas engine was used (directly or indirecty by charging the
battery) to get up that hill in the first place. There ain't no free
lunch.
Or your drive to and from work downhill both ways? ;-)
Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally
== 5 of 5 ==
Date: Wed, Mar 12 2008 12:59 pm
From: Dennis
On Wed, 12 Mar 2008 11:15:53 -0700, "John Weiss"
<jrweiss98155NOSPAM@NOSPAM.comcast.net> wrote:
>A hybrid will not likely "pay off" in strict terms of dollar cost of ownership,
>but the more fuel efficient your car is, the more "socially responsible" you
>will be.
>
Personally, I get all the "socially responsible" brownie points I need
by not flying around the country in a private jet. ;-)
Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally
==============================================================================
TOPIC: Advertising Articles - Freeinformationwebsite.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ca58530ab2f8d71a?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 10:24 am
From: "kenny.mcgrill@googlemail.com"
Advertising Articles - Freeinformationwebsite.com
http://www.freeinformationwebsite.com/advertising.html
==============================================================================
TOPIC: Is it fraud or thinking ahead?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e2dd240757c24097?hl=en
==============================================================================
== 1 of 7 ==
Date: Wed, Mar 12 2008 11:36 am
From: "John Weiss"
"Seerialmom" <seerialmom@yahoo.com> wrote...
> Ok...so yesterday someone I know said their family was moving into a
> new house (not brand new..but newer than where they are now). When
> asked if they had sold their current house or if they were going to
> rent it out; this person disclosed that they were still current on the
> house payment where they are now....but once they move into the other
> house they're buying the old house would eventually go into
> foreclosure. Aside from the major "ding" on the credit rating for the
> next 7 years....I'm still trying to figure out if this was smart
> planning on their part or just outright fraud? At the least maybe
> unethical? Just curious if anyone had heard of doing this before?
First, in this fiscal environment it is unlikely they will get a mortgage for a
second house if the first one is not sold (or at least for sale in a reasonable
market) or leased out.
Second, the bank may well go after them AFTER foreclosure for all the $$ they
lost in the process. Among the actions they could take are garnishment of wages
and putting a lien on their new house.
It's certainly not smart. Depending on the assertions they make to the new
lender regarding the old house, it may become fraud. I consider it unethical,
since they are likely stealing from me: The loan guarantee they likely have is
funded from my taxes...
I've heard of it, but not when the person plans on staying in the same area...
== 2 of 7 ==
Date: Wed, Mar 12 2008 11:58 am
From: "John Weiss"
<hchickpea@hotmail.com> wrote...
> You continued on to say they had an ARM that the bank was not willing
> to renegotiate, which is a very important part to have left out.
>
> What you are seeing is called hardball.
>
> The owners tried to negotiate their way out of a mortgage that was
> going to be increasingly bad for them, with the house upside down AND
> the bank wanting to charge more interest.
You have some interesting thoughts here, and I'll trim out some of the excess
while commenting...
> If both parties signed the documents in good faith, and the collateral
> for the loan was only the property, then all the buyer is doing is
> exercising a little used clause of the document. The fact that it
> dings their credit and makes the bank eat the loss is beside the
> point. It fits the legality of the document they both agreed to.
IF that was as far as the legality went, it sounds logical. However, the action
of buying the new house will invoke additional legality, including some
statement from the owner regarding intentions on the old house. I once bought a
house in VA when I still had one in WA. Though I had a verbal commitment for a
lease (I had not yet moved out) could easily afford both mortgages for some
time, it became very difficult to get the lender to agree to the new mortgage.
I wound up having to get a letter of intent from the prospective renter of the
old house before they would close on the new.
In this case, I suspect some similar document expressing the owner's intention
would be required. It would turn to fraud if the owner misrepresented his
intention to allow the old house to fall into foreclosure after moving into the
new one.
Another factor is that the lender's reach does not stop at foreclosure. There
is likely a recovery clasue that will allow the lender to attach assets to
recover losses in the foreclosure, if the owner has them. While the lender may
not be able to "take" the new house, they could well put a lien on it that would
cloud the title and make it near impossible to sell prior to settling the lien
with the old lender.
> If you think this is odd, you ought to be privey to some of the tenant
> landlord negotiations and shenanigans in shopping centers.
Yeah, but that's "business," and "everybody" expects businesses to declare
bankruptcy and escape their debts... ;)
> Similarly, the homeowner simply leveraged his position, and when the
> bank played hardball by refusing to negotiate, he played hardball
> back.
Unfortunately, his position of power may be VERY temporary, and while he could
be successful in the short term, it could backfire on him BADLY!
> There is a minor sleaze factor, but in most cases those ARMs were sold
> to people who didn't have a rats ass chance of ever meeting the bump
> in rates, and the lenders knew it. The deception was on the part of
> the lenders, and the buyers were too caught up in the game to
> recognize the downside.
I totally agree that the bulk of this "mortgage crisis" was caused by greedy
lenders attempting to cash in on marginal or ridiculous mortgages. I have
little sympathy for them, but it is apparent that the politicians are working to
protect those sleazeballs MUCH harder than they are to protect the swindled
and/or ignorant owners.
However, this does not appear to be the case here... If the owner has enough
paper assets for a mortgage on a second house, he clearly has enough assets to
continue to pay or refinance the current mortgage. He has decided to
pre-emptively cut his losses on the old house so he can buy a new one. It
appears he COULD continue to pay the $$ he contracted to pay, but he doesn't
WANT to do so.
> Sleaze factor? If I were the homeowner, I wouldn't worry about it.
In this case, I would. I think he's setting himself up for a BIG fall!
== 3 of 7 ==
Date: Wed, Mar 12 2008 12:08 pm
From: "Rod Speed"
John Weiss <jrweiss98155NOSPAM@NOSPAM.comcast.net> wrote:
> "Seerialmom" <seerialmom@yahoo.com> wrote...
>> Ok...so yesterday someone I know said their family was moving into a
>> new house (not brand new..but newer than where they are now). When
>> asked if they had sold their current house or if they were going to
>> rent it out; this person disclosed that they were still current on
>> the house payment where they are now....but once they move into the
>> other house they're buying the old house would eventually go into
>> foreclosure. Aside from the major "ding" on the credit rating for
>> the next 7 years....I'm still trying to figure out if this was smart
>> planning on their part or just outright fraud? At the least maybe
>> unethical? Just curious if anyone had heard of doing this before?
> First, in this fiscal environment it is unlikely they will get a mortgage for a second house if the first one is not
> sold (or at least for sale in a reasonable market) or leased out.
Wrong if the second one is in a different name to the first one.
> Second, the bank may well go after them AFTER foreclosure for all the $$ they lost in the process.
They cant if the second one is in a different name to the first one.
> Among the actions they could take are garnishment of wages and putting a lien on their new house.
Not if the second one is in a different name to the first one.
> It's certainly not smart.
Wrong again.
> Depending on the assertions they make to the new lender regarding the old house, it may become fraud.
Proving that is a different matter entirely.
> I consider it unethical, since they are likely stealing from me: The loan guarantee they likely have is funded from
> my taxes...
Or maybe it isnt.
> I've heard of it, but not when the person plans on staying in the same area...
No reason why it cant be done that way too.
== 4 of 7 ==
Date: Wed, Mar 12 2008 12:11 pm
From: barbie gee
On Wed, 12 Mar 2008, John Weiss wrote:
> "Seerialmom" <seerialmom@yahoo.com> wrote...
>> Ok...so yesterday someone I know said their family was moving into a
>> new house (not brand new..but newer than where they are now). When
>> asked if they had sold their current house or if they were going to
>> rent it out; this person disclosed that they were still current on the
>> house payment where they are now....but once they move into the other
>> house they're buying the old house would eventually go into
>> foreclosure. Aside from the major "ding" on the credit rating for the
>> next 7 years....I'm still trying to figure out if this was smart
>> planning on their part or just outright fraud? At the least maybe
>> unethical? Just curious if anyone had heard of doing this before?
>
> First, in this fiscal environment it is unlikely they will get a mortgage for a
> second house if the first one is not sold (or at least for sale in a reasonable
> market) or leased out.
>
> Second, the bank may well go after them AFTER foreclosure for all the $$ they
> lost in the process. Among the actions they could take are garnishment of wages
> and putting a lien on their new house.
>
> It's certainly not smart. Depending on the assertions they make to the new
> lender regarding the old house, it may become fraud. I consider it unethical,
> since they are likely stealing from me: The loan guarantee they likely have is
> funded from my taxes...
I really hope serialmom lets us all know how this turns out!
== 5 of 7 ==
Date: Wed, Mar 12 2008 12:29 pm
From: "John Weiss"
"Rod Speed" <rod.speed.aaa@gmail.com> wrote...
>
>> First, in this fiscal environment it is unlikely they will get a mortgage for
>> a second house if the first one is not sold (or at least for sale in a
>> reasonable market) or leased out.
>
> Wrong if the second one is in a different name to the first one.
I saw no proposal for, or indication of, a name change.
== 6 of 7 ==
Date: Wed, Mar 12 2008 1:01 pm
From: "Rod Speed"
John Weiss <jrweiss98155NOSPAM@NOSPAM.comcast.net> wrote
> <hchickpea@hotmail.com> wrote
>> You continued on to say they had an ARM that the bank was not willing to renegotiate, which is a very important part
>> to have left out.
>> What you are seeing is called hardball.
>> The owners tried to negotiate their way out of a mortgage that was going to be increasingly bad for them, with the
>> house upside down AND the bank wanting to charge more interest.
> You have some interesting thoughts here, and I'll trim out some of the excess while commenting...
>> If both parties signed the documents in good faith, and the
>> collateral for the loan was only the property, then all the buyer is
>> doing is exercising a little used clause of the document. The fact
>> that it dings their credit and makes the bank eat the loss is beside
>> the point. It fits the legality of the document they both agreed to.
> IF that was as far as the legality went, it sounds logical. However, the action of buying the new house will invoke
> additional legality, including some statement from the owner regarding intentions on the old house.
ONLY if the old and new house are in the same name. They dont have to be.
> I once bought a house in VA when I still had one in WA. Though I had a verbal commitment for a lease (I had not yet
> moved out) could easily afford both mortgages for some time, it became very difficult to get the lender to agree to
> the new mortgage. I wound up having to get a letter of intent from the prospective renter of the old house before they
> would close on the new.
And the obvious way around that is to have
someone else have the new house in their name.
> In this case, I suspect some similar document expressing the owner's intention would be required.
Not if the new house is in a different name.
> It would turn to fraud if the owner misrepresented his intention to allow the old house to fall into foreclosure after
> moving into the new one.
Not if the new house is in a different name even tho its still technically fraud.
> Another factor is that the lender's reach does not stop at foreclosure.
Yes but it does stop at the individual whose name the mortgage is in.
> There is likely a recovery clasue that will allow the lender to attach assets to recover losses in the foreclosure, if
> the owner has them.
But that wont work if the new house is in a different name.
> While the lender may not be able to "take" the new house, they could well put a lien on it that would cloud the title
> and make it near impossible to sell prior to settling the lien with the old lender.
Not if its in a different name.
>> If you think this is odd, you ought to be privey to some of the
>> tenant landlord negotiations and shenanigans in shopping centers.
> Yeah, but that's "business," and "everybody" expects businesses to declare bankruptcy and escape their debts... ;)
And plenty of individuals do that too.
>> Similarly, the homeowner simply leveraged his position, and when the
>> bank played hardball by refusing to negotiate, he played hardball back.
> Unfortunately, his position of power may be VERY temporary, and while
> he could be successful in the short term, it could backfire on him BADLY!
Not if he organises the detail properly.
>> There is a minor sleaze factor, but in most cases those ARMs were sold to people who didn't have a rats ass chance of
>> ever meeting the bump in rates, and the lenders knew it.
So did the borrower.
>> The deception was on the part of the lenders,
Nope.
>> and the buyers were too caught up in the game to recognize the downside.
Lie. Most of them thought that they could flip the house before the higher
rates became due, and found out that it doesnt always work that way.
> I totally agree that the bulk of this "mortgage crisis" was caused by
> greedy lenders attempting to cash in on marginal or ridiculous mortgages.
Corse there was no greed at all with any of the borrowers, eh ?
> I have little sympathy for them, but it is apparent that the politicians are working to protect those sleazeballs MUCH
> harder than they are to protect the swindled and/or ignorant owners.
Because those are the ones that matters as far as the collapse of the economy is concerned.
> However, this does not appear to be the case here... If the owner
> has enough paper assets for a mortgage on a second house, he clearly has enough assets to continue to pay or refinance
> the current
> mortgage. He has decided to pre-emptively cut his losses on the old
> house so he can buy a new one. It appears he COULD continue to pay the $$ he contracted to pay, but he doesn't WANT
> to do so.
Or that its possible to look good on paper long enough to get the
second mortgage and then let the first one go into foreclosure.
It isnt hard to do that if you realise that you are
upside down on the first mortgage early enough.
>> Sleaze factor? If I were the homeowner, I wouldn't worry about it.
> In this case, I would. I think he's setting himself up for a BIG fall!
Not necessarily, depends entirely on how the detail is organised.
== 7 of 7 ==
Date: Wed, Mar 12 2008 1:04 pm
From: "Rod Speed"
John Weiss <jrweiss98155NOSPAM@NOSPAM.comcast.net> wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>> First, in this fiscal environment it is unlikely they will get a mortgage for a second house if the first one is not
>>> sold (or at least for sale in a reasonable market) or leased out.
>> Wrong if the second one is in a different name to the first one.
> I saw no proposal for, or indication of, a name change.
Irrelevant to whether that was done anyway to avoid the problems you claimed.
Its hardly surprising that the full detail wasnt spelt out to an acquaintance.
==============================================================================
TOPIC: Using laptop as full time "desktop"?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a2018c122b61360?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 11:29 am
From: "John Weiss"
<me@privacy.net> wrote...
>
> Some questions abt using a laptop in full time desktop
> mode tho:
>
> 1. Can a laptop run on 110 vac without battery being
> in unit? It's best not to "cook" the battery all day
> long if the laptop is plugged in and used as a desktop
> anyway, is it?
Once the battery is charged, the power supply regulates the charge so it doesn't
"cook" any more. Technology has evolved significantly in the past 10 years.
SOME laptops will run without a battery installed. However, that will severely
limit your moving it around...
> 2. Is it Ok to leave a laptop plugged into 110 vac and
> without battery ON all day long? Say you leave the
> house for a few hrs..... just leave it on...... will
> that be hard on the internals and cooling fan? not
> being designed for that?
It's designed for that. My old HP has been running continuously for 3 years,
after an initial 3 years of intermittent travel and full-time running. Since
the second battery no longer takes a good charge, I leave the battery out most
of the time now. My 3-year-old IBM runs continuously when I'm home or in a
hotel.
> 3. When shutting the laptop down at the end of the
> day..... anyway to stop the phantom current flow form
> the power brick being plugged into the wall versus just
> unplugging it (hassle)?
A VERY minor consideration... You can unplug it from the laptop, and the brick
MIGHT use a miniscule amount of power, depending on design.
> Bottom line.... what habits are worthwhile to use a
> laptop as a desktop" all day long without causing any
> damage? and make it convenient as a desktop?
Get a good laptop. A cheapo may not have sufficient cooling for long life and
continuous use. Find one with a top-end mobile Core2Duo CPU, sufficient (1.5 -
2 GB) RAM, and discrete ATI or nVidia mobile graphics.
Have a wireless router (and enable WPA encryption) so you have Internet access
all the time, and you don't have to unplug a cable to move it.
Get a wireless (Bluetooth?) keyboard and mouse, so you have the full-size
versions to use when at the desktop.
Refine the power management schemes for desktop and mobile (on battery) use, to
suit your usage. Using less than full CPU power and monitor brightness when
mobile will reduce heat and increase battery life.
Otherwise, just use it!
==============================================================================
TOPIC: Water softener, iron reducing bacteria (IRB)
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/50960dcbcfdc675d?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Mar 12 2008 12:50 pm
From: Gary Slusser
On Mar 6, 2:10 pm, szilag...@gmail.com wrote:
> On Mar 5, 3:18 pm, Oren <O...@127.0.0.1> wrote:
>
> Thank you for the information. I will contact them as I am not sure
> which one is actually non-toxic. I ended up also reading that citric
> acid is non-toxic and supposedly works OK for this. Do you recommend
> something as simple as lemon juice, or should I purchase a commercial
> citric acid product? I am open for suggestions on the best non-toxic
> alternative, yet I don't want to harm the resin either.
>
> Thank you again,
> --
> Chris
Resin cleaners may not kill IRB. IRB is a large group of bacteria and
to get rid of it you must kill it. Shocking a well with chlorine is at
best a temporary fix because the bacteria live in the ground and
ground water and will come back in the water.
You should sanitize your softener with a couple cap fulls of non
scented regular house hold bleach, poured into a gallon of water and
down into the water in the salt tank. Then do a manual regeneration.
DO NOT mix with Iron Out or other products like it.
Gary Slusser
Quality Water Associates
==============================================================================
You received this message because you are subscribed to the Google Groups "misc.consumers.frugal-living"
group.
To post to this group, visit http://groups.google.com/group/misc.consumers.frugal-living?hl=en
To unsubscribe from this group, send email to misc.consumers.frugal-living-unsubscribe@googlegroups.com
To change the way you get mail from this group, visit:
http://groups.google.com/group/misc.consumers.frugal-living/subscribe?hl=en
To report abuse, send email explaining the problem to abuse@googlegroups.com
==============================================================================
Google Groups: http://groups.google.com?hl=en
No comments:
Post a Comment