Frugal Living: 25 new messages in 16 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:

==============================================================================
TOPIC: The Definition
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/01325490a4f876e9?hl=en
==============================================================================

== 1 of 5 ==
Date: Sat, Mar 29 2008 7:17 am
From: Harry Katuure

On 29 Mar, 15:12, "William Black" <william.bl...@hotmail.co.uk> wrote:
> "News reader" <dont-even-bot...@blank.net> wrote in message
>
> news:5sOdnYGPRoQh2nPanZ2dnUVZ_oGjnZ2d@giganews.com...
>
> > Runge11 wrote:
> >> yes, forgetting what your own country is doing to the rest of the world.
> >> Take a mirror and look at yourself.
>
> > Yeah the U.S. doesn't help the world out at all. We saved France from
> > becoming Germany. We saved the Hebrews from becoming eradicated.
>
> Which Hebrews did you save?
>
> The European ones were dead and the ones who made it to the Middle East
> managed to save themselves quite effectively with Czech arms.
>
> --
> William Black
>
> I've seen things you people wouldn't believe.
> Barbeques on fire by the chalets past the castle headland
> I watched the gift shops glitter in the darkness off the Newborough gate
> All these moments will be lost in time, like icecream on the beach
> Time for tea.

...but they did save the Saudi dictatorship and the Saudi oil
wells....oh, and the Shah of Iran when it suited them....

== 2 of 5 ==
Date: Sat, Mar 29 2008 7:26 am
From: "Ayatollah of rock 'n' roller"

"News reader" <dont-even-bother@blank.net> wrote in message
news:5sOdnYGPRoQh2nPanZ2dnUVZ_oGjnZ2d@giganews.com...
> Runge11 wrote:
>> yes, forgetting what your own country is doing to the rest of the world.
>> Take a mirror and look at yourself.
>>
> Yeah the U.S. doesn't help the world out at all. We saved France from
> becoming Germany. We saved the Hebrews from becoming eradicated. We freed
> the Afgans from the Taliban and Al-Queda. We took out the cruel dictator
> from Iraq. But we only get criticized for the 'misery and death' that we
> cause. In my opinion the U.S. should remind the world exactly what good we
> do, by backing out of world affairs for a bit, and then watch the world go
> to hell in a hand basket. And then say "I told you so." when the world
> insists that we start helping again.

LOL. Yanks are cowards and laughed at. If it weren't for the Europeans, they
would not even exist. I'm sorry to be so cruel, but, honestly, the rest of
the world just doesn't see things they same way. Most of us feel that a weak
nation got lucky that's all.

== 3 of 5 ==
Date: Sat, Mar 29 2008 7:31 am
From: "Col"

Why don't you 'take out' Mugabe, then?
--
Col

Steal a spaceship and head for the sun,
Shoot the stars with a lemonade ray gun.

== 4 of 5 ==
Date: Sat, Mar 29 2008 9:27 am
From: "Ophelia"

Col wrote:
> "News reader" <dont-even-bother@blank.net> wrote in message
> news:5sOdnYGPRoQh2nPanZ2dnUVZ_oGjnZ2d@giganews.com...
>> Runge11 wrote:
>>> yes, forgetting what your own country is doing to the rest of the
>>> world. Take a mirror and look at yourself.
>>>
>> Yeah the U.S. doesn't help the world out at all. We saved France from
>> becoming Germany. We saved the Hebrews from becoming eradicated. We
>> freed the Afgans from the Taliban and Al-Queda. We took out the
>> cruel dictator from Iraq. But we only get criticized for the 'misery
>> and death' that we cause. In my opinion the U.S. should remind the
>> world exactly what good we do, by backing out of world affairs for a
>> bit, and then watch the world go to hell in a hand basket. And then
>> say "I told you so." when the world insists that we start helping
>> again.
>
> Why don't you 'take out' Mugabe, then?

Hehe.... don't ya know there is no oil?

== 5 of 5 ==
Date: Sat, Mar 29 2008 10:31 am
From: "Col"

"Ophelia" <O@nix.co.uk> wrote in message
news:6579bqF2e9k5iU2@mid.individual.net...
> Col wrote:
>> "News reader" <dont-even-bother@blank.net> wrote in message
>> news:5sOdnYGPRoQh2nPanZ2dnUVZ_oGjnZ2d@giganews.com...
>>> Runge11 wrote:
>>>> yes, forgetting what your own country is doing to the rest of the
>>>> world. Take a mirror and look at yourself.
>>>>
>>> Yeah the U.S. doesn't help the world out at all. We saved France from
>>> becoming Germany. We saved the Hebrews from becoming eradicated. We
>>> freed the Afgans from the Taliban and Al-Queda. We took out the
>>> cruel dictator from Iraq. But we only get criticized for the 'misery
>>> and death' that we cause. In my opinion the U.S. should remind the
>>> world exactly what good we do, by backing out of world affairs for a
>>> bit, and then watch the world go to hell in a hand basket. And then
>>> say "I told you so." when the world insists that we start helping
>>> again.
>>
>> Why don't you 'take out' Mugabe, then?
>
> Hehe.... don't ya know there is no oil?

It was in fact a rhetorical question :)
--
Col

Steal a spaceship and head for the sun,
Shoot the stars with a lemonade ray gun.

==============================================================================
TOPIC: Un-insulated water heater tank by woodstove!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a42916fb887669dc?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Mar 29 2008 7:19 am
From: "Bill"

"ransley" wrote in message
>
> If you have the time get another tank, put it outside with bypass
> valves, when nightime temps are above incomming water temp
> let the tank fill, the sun will heat it fast
>

Actually for the summer, I am thinking about running a bunch of plastic
pipes in my attic which gets to be very hot. Plastic because I will need to
drain it each fall to prevent the pipes from freezing.

Also with this idea, I am thinking of installing another insulated water
tank and using a solar powered pump to circulate water slowly from the
insulated tank through the attic pipes and back to the insulated tank.

My city water is very cold year round. In the summer I would run it through
the tank by the woodstove first and this would help to cool the living room
(when using hot water) and bring the water up to room temperature. Then on
to the attic/insulated tank, then on to the electric water heater.

== 2 of 4 ==
Date: Sat, Mar 29 2008 12:24 pm
From: "Lou"

"Pat" <groups@artisticphotography.us> wrote in message
news:37a8f1a3-a471-43b3-a227-7b78cb81153b@m36g2000hse.googlegroups.com...
>
> Two things. Yes, the heat "lost" by the tank is gained by the room.
> So you are saving something but not as much as you imaging.
>
> Second, most of your heat isn't from heating cool water, it's from
> holding it at temp when no one is using it. You still haven't
> addessed that issue.

I doubt that second issue. Depending on the insulation, of course, a hot
water tank will hold heat for hours/days. While I don't doubt that standby
losses are an issue, I don't think that under conditions of normal family
use standby losses are greater than the energy it takes to heat the water in
the first place.

Do you have any figures, citations, sites to back up that statement?

== 3 of 4 ==
Date: Sat, Mar 29 2008 11:39 am
From: Neon John

On Sat, 29 Mar 2008 07:19:16 -0700, "Bill" <billnomailnospamx@yahoo.com> wrote:

>"ransley" wrote in message
>>
>> If you have the time get another tank, put it outside with bypass
>> valves, when nightime temps are above incomming water temp
>> let the tank fill, the sun will heat it fast
>>
>
>Actually for the summer, I am thinking about running a bunch of plastic
>pipes in my attic which gets to be very hot. Plastic because I will need to
>drain it each fall to prevent the pipes from freezing.

You'd probably be dollars ahead to simply get that heat out of your attic and reduce
the load on your AC.
>
>Also with this idea, I am thinking of installing another insulated water
>tank and using a solar powered pump to circulate water slowly from the
>insulated tank through the attic pipes and back to the insulated tank.

Why would you waste money on an under-powered and over-priced solar pump that quits
working when the sun goes behind a cloud when a conventional pump works so well and
draws so little power?

Solar water heat from the roof works well but generally, the tubing itself needs to
be exposed to the solar radiation. Radiative energy transfer is much more effective
than convective in this situation.

I did a similar system on my restaurant's flat tar roof. I simply laid several
hundred feet of direct burial black PVC pipe directly onto the tar. I tried
industrial black garden hose before that but it wasn't sufficiently UV-resistant to
last very long.

On bright sunny days, the water would almost boil. In all cases when the sun was
shining, this system made all the hot water the restaurant needed. There was a
NG-fired tankless heater for other times, of course. This system used no tank and no
fancy plumbing. City water went in one end of the tubing and hot water came out the
other. A three-way valve let me quickly switch the solar heater in and out as
needed. All manual control which was good enough.

John
--
John De Armond
See my website for my current email address
http://www.neon-john.com
http://www.johndearmond.com <-- best little blog on the net!
Tellico Plains, Occupied TN
I don't speak Stupid so do speak slowly.

== 4 of 4 ==
Date: Sat, Mar 29 2008 11:41 am
From: Neon John

On Sat, 29 Mar 2008 14:24:11 -0500, "Lou" <lpogodajr292185@comcast.net> wrote:

>I doubt that second issue. Depending on the insulation, of course, a hot
>water tank will hold heat for hours/days. While I don't doubt that standby
>losses are an issue, I don't think that under conditions of normal family
>use standby losses are greater than the energy it takes to heat the water in
>the first place.

More importantly, if the water heater is in habitable spaces then during the heating
season, lost heat isn't wasted. It simply contributes to space heating. The
opposite is true in summer, of course. If the water heater is in a closet, then one
can arrange some clever venting to conduct the heat directly to the attic and outside
during cooling season.

==============================================================================
TOPIC: TV Converter Box Coupon for Sale
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/926dd647a485f42f?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 29 2008 7:30 am
From: Ant

On 3/29/2008 5:51 AM PT, Bert Hyman typed:

> In news:20080328223451.435$Qn@newsreader.com jrudoy@yahoo.com wrote:
>
>> TV Converter Box Coupon for Sale. Takes $40 off payment for TV Converter
>> Box to get digital TV signal on analog/old TV. Valid to 5/27/2008. $28/bo
>
> https://www.dtv2009.gov/FAQ.aspx
>
> 11. Can coupons be sold?
>
> No. It is illegal to sell, duplicate or tamper with the coupon.
>
> Good luck.

Turn the spammer in to abuse@newsreader.com and Yahoo!'s abuse
department. :P
--
"Since the world began, we have never exterminated. We probably shall
never exterminate as much as one single insect species. If there was
ever an example of an insect we cannot destroy, the fire ant is it."
--an entomologist quote mentioned by Leonard Nimoy on In The Search Of:
Deadly Ants (1978)
/\___/\
/ /\ /\ \ Phil/Ant @ http://antfarm.home.dhs.org (Personal Web Site)
| |o o| | Ant's Quality Foraged Links (AQFL): http://aqfl.net

\ _ / Remove ANT from e-mail address: philpi@earthlink.netANT
( ) or ANTant@zimage.com
Ant is currently not listening to any songs on his home computer.

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1aeefce6d4b98a4a?hl=en
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== 1 of 1 ==
Date: Sat, Mar 29 2008 7:43 am
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TOPIC: learn chinese kongfu is so easy!!!!!!!!!!!!!!!!!!!!!click :www.kungfuer.
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f642ad84c79b6d89?hl=en
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== 1 of 1 ==
Date: Sat, Mar 29 2008 7:43 am
From: yingyu516@gmail.com

Wushu is the history of the Chinese nation in the long-term evolution
of the process of continuous creation and gradually formed a sport.
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In the primitive society, animal and few people and the natural
environment is very bad, "of natural selection and survival of the
fittest" grim struggle, the people naturally had a kicking, punching
means grasping palm strike, jumping and rolling a junior offensive and
defensive category means. Then gradually learned how to manufacture
and use of stone or wooden tools as weapons, and produced some fitness
equipment and the use of the fight against hunting skills, and this is
the seeds of martial arts.
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From the existing archaeological discoveries, we can see that in the
Paleolithic, there has been a sharp-shaped stone, stone ball, stone
hand axe, bone Kok processing spear, and by the end of the Neolithic
Age, there were a large number of stone axes and Stone spade, stone
knives and bone of Harpoon, Jianzu, and even copper axe, such as
copper ax. These primitive tools and weapons, but most of the
predecessor of a martial arts equipment.
The end of primitive society, tribal wars have occurred frequently,
and further promote the development of the martial arts. In the tribal
war, far used arrows, throwing for the past used sticks, Daofu,
spears, fighting all can be used to catch any flying production tools
have become combatants weapons. According to historical records
recorded during the three Miao Yu many tribal rebels, the Zhengfa
repeatedly failed to shoot them down. Later, Yu stop attacks, and to
shield soldiers Chifu to drilling, three tribal Miao people see the
"1000 Qi Dance" to show strong force, the three tribes from seedlings
succumbed. This is a grand primitive society of martial arts self-
defense drills. The ancient "Wuwu" Wushu later laid the foundation for
the formation.
Research on the fundamental basis for martial arts. In the long
historical process, the different periods of martial arts concept of
the different expression, it is the connotation and extension of the
historical development of the community itself and the development of
martial arts development and change.
From a historical perspective, there are many vested in the name of
martial arts category, at the Spring and Autumn "combative" a soldier
skills); Han emergence of the "skills", and by extension to the end of
Ming Dynasty: Qing Dynasty and Southern Dynasties borrowed " Selected
Works, "" Yan closed Martial Arts "(then refers to the military),"
martial arts "; said in the" Martial Arts ": After the founding of new
China was still" martial arts ".
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With the history of changes in the gradual demise of cold weapons,
martial arts equipment for the production and movement of the large
number of armed boxing there, confrontational, Wushu race rules,
develop, martial arts has evolved into one of the sport. Wushu sport
of its content, form and training methods have undergone great
changes, reflecting the concept of things essential attribute is also
changing. Development Today, Wulin basic definition can be summarized
as: Wushu is combative as the main content, and to catch bucket
Routine forms of exercise on Nawaijianxiu traditional Chinese sports.
From this starting to understand the definition of martial arts.
First, the traditional Chinese martial arts are combative with. It is
kicking, beating, throw, take. Instead, gill movements, such as
combative as the main content, or through the help of fitness
equipment, physical sport performance of the offensive and defensive
fighting capacity. Whether the catch bucket is confrontational
campaign, or potential movement of potential complementary movement,
has been China's traditional method of attack the core technology of
chess. On human social life, combative it is impossible for China
unique in the world. Comparison of the rest of the world in the art of
attack and defense, martial arts, not only in a more combative
approach rich (such as fast wrestling, grappling law, etc.). Movement
in the form of both routines, while others are scattered in hand, the
combination of both, is separated, this model also迥然different from the
rest of the world of combative. In the drill-oriented methods
Nawaijianxiu, exercise style ask God-compassionate, all reflect the
traditional Chinese art of attack and defense characteristics of the
movement.
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Secondly, the martial arts is sports, it clearly distinguishes it from
the practical people injured and maimed combative techniques. Routine
movement despite contains rich combative approach, but its purpose is
to drill through to the physical and businessmen offensive and
defensive capacity, ability and skills contest, the technical
requirements and practical techniques to a certain extent of the
difference between the movement Sanshou technology is of course much
closer to the South practical skills, but because of the competition
rules, also has its limitations in the sports movement within the
technology. In short in a nutshell, martial arts sports properties
with a clear, and sports is the main social philosophy and martial
arts, medicine, ethics, military studies, aesthetic, Qigong and other
traditional culture of thinking and cultural values, focus on
Nawaijianxiu, such as whole concept, the concept of yin and yang
changes, the shape of God, gas theory, movement, said rigid flexible,
and so on, and gradually formed a unique national style of marartial
arts and cultural system. It has rich connotations and suggest a deep,
we have the human sports physical fitness a common feature, but also
has the unique oriental civilization philosophical, scientific and
artistic, more concentrated expression of the Chinese people in sports
wisdom in the field of crystallization. It reflects one aspect of the
cultural splendor of the Orient. Therefore, in a broad sense,
understanding, Wushu is not only a sport, and is a national sports and
the Chinese people's long-term accumulated to a valuable cultural
heritage.

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==============================================================================
TOPIC: .
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/be8be1b6674b97f4?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 29 2008 7:49 am
From: Harry Katuure

susi40...@googlemail.com wrote:

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> city flug london los angeles
>
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==============================================================================
TOPIC: Surviving in New York on 99 cents
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3504240fa7698ae2?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Mar 29 2008 8:00 am
From: William Souden

Rod Speed wrote:
> William Souden <souden@nospam.com> wrote:
>> Rod Speed wrote:
>>> The Real Bev <bashley101+usenet@gmail.com> wrote
>>>> Donna wrote
>>>>> George Grapman <sfgeorge@paccbell.net> wrote
>>>>>> <http://www.nytimes.com/2008/03/26/dining/26ninety.html?_r=1&ref=dining&oref=slogin>
>>>>> Interesting story. Our dollar stores are not that great around
>>>>> here and often carry really inferior products. I'm thinking NYC
>>>>> has more to offer.
>>>> The 99-Cents-Only stores in the Los Angeles (and other, I guess)
>>>> area carry a lot of foreign food (mostly China, but not
>>>> exclusively), a variety of name-brand sausage/hotdog products,
>>> Trouble is that those are made from surplus cats and dogs and rats.
>>>
>>>> fresh vegetables and fruits, a lot of exotic sauces (the Philippine
>>>> banana sauce was pretty bland, but wotthehell) and a nice variety
>>>> of brand-name toothpaste and deodorant as well as a lot of imported
>>>> bathroom needs and cleaning supplies. Like Fry's, you could live
>>>> in a 99-Cents-Only store :-)
>>>> http://www.99only.com/
>>>> I love those stores. The penny-a-minute long distance cards alone
>>>> are worth the price of admission.
>>> You're better off with voip.
>
>> Until your internet connection goes down. VOIP is fine for social
>> calls or for companies with offices in different countries that need
>> to call each other but I would not want my business to customer calls
>> dependent on that service.
>
> There arent likely to be too many businesses that rely on penny-a-minute long distance cards alone, cretin.
>
>
But some businesses do rely on VOIP and the inherent problems were
pointed out.Of course your idea of a business call involves talking to
your case worker.

William Souden
sales fool/racetrack bum

== 2 of 2 ==
Date: Sat, Mar 29 2008 8:03 am
From: William Souden

Rod Speed wrote:
> William Souden <souden@nospam.com> wrote:
>> Rod Speed wrote:
>>> The Real Bev <bashley101+usenet@gmail.com> wrote
>>>> Donna wrote
>>>>> George Grapman <sfgeorge@paccbell.net> wrote
>>>>>> <http://www.nytimes.com/2008/03/26/dining/26ninety.html?_r=1&ref=dining&oref=slogin>
>>>>> Interesting story. Our dollar stores are not that great around
>>>>> here and often carry really inferior products. I'm thinking NYC
>>>>> has more to offer.
>>>> The 99-Cents-Only stores in the Los Angeles (and other, I guess)
>>>> area carry a lot of foreign food (mostly China, but not
>>>> exclusively), a variety of name-brand sausage/hotdog products,
>>> Trouble is that those are made from surplus cats and dogs and rats.
>>>
>>>> fresh vegetables and fruits, a lot of exotic sauces (the Philippine
>>>> banana sauce was pretty bland, but wotthehell) and a nice variety
>>>> of brand-name toothpaste and deodorant as well as a lot of imported
>>>> bathroom needs and cleaning supplies. Like Fry's, you could live
>>>> in a 99-Cents-Only store :-)
>>>> http://www.99only.com/
>>>> I love those stores. The penny-a-minute long distance cards alone
>>>> are worth the price of admission.
>>> You're better off with voip.
>
>> Until your internet connection goes down.
>
> Then you just fall back to the PSTN, stupid.
>
>> VOIP is fine for social calls or for companies with offices in different countries that need to call each other but I
>> would not want my business to customer calls dependent on that service.
>
> No surprise that you ended up a race track bum.
>
>
I can afford to lose more at the track in a month than the amount you
get for your welfare stipend. You should try it it is the only place I
enjoy being around clueless people. Unfortunately I would not see you as
the turf club has dress/conduct codes but enjoy the grandstand where
people like you bet their welfare checks.

==============================================================================
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TOPIC: Punishing the frugal
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/28a507f3067a6cb4?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 29 2008 8:14 am
From:
------------------------------------------------------------------------------

"cat" <catsandcanaries@nospammeowmeow.com> wrote in message
news:KGaHj.12470$6J3.8897@newsfe13.phx...
> <tmclone@searchmachine.com> wrote in message
>
>>And for Lopez, her award would be minus the
>>$560,000 she received from her husband's life insurance payout and the
>>$800 in worker's compensation she receives every two weeks from Marsh
>>& McLennan.
>
>>"It's not fair," she said. "Because you got the insurance, you don't
>>get the same thing as everybody."
>
> What's not fair is that millions of families of people who have died
> tragically, but not on 9/11, don't get seven-figure bonanzas on the
> taxpayer's dime.
>

I completely agree, but it's interesting that the federal payouts were
reduced by any death benefits, so the frugal came out the same, and the
spendthrifts received a windfall, as usual.

==============================================================================
TOPIC: Why do homeowners have to make profit for their houses?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f27272fd623bd4c3?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Mar 29 2008 8:43 am
From: j_alik@yahoo.com

Why do homeowners expect to make money on their houses, while renters
have to spend for the domicile? It is against all the tenets in
Economy 101.

(1) There is no free lunch (including living) in U.S. or anywhere in
the world.
(2) The price of either tangible or intangible products is determined
by supply and demand.
(3) Nothing goes in one direction only in the Universe.

Contrary thinking:
(1) If buying house always makes money, why are there so many realtors
and mortgage brokers? Why are they keeping buying houses for
themselves as many as they can (because it is totally legal)?

Reverse thinking:
(1) For a house already in the market for 30 years, do you really want
to buy it (old, small, in less-favored location, high cost to fix
problems, etc.)? It will be the similar condition 30 years from now
what your new house looks like, no matter how you well-maintain it.
(2) For a homeowner who has already owned his/her house for 30 years,
would he/she really make much money after factoring in the maintenance
cost in all these years?

== 2 of 2 ==
Date: Sat, Mar 29 2008 8:47 am
From: j_alik@yahoo.com

Correction:

Contrary thinking:
(1) If buying house always makes money, why are there so many realtors
and mortgage brokers? Why AREN'T they keeping buying houses for
themselves as many as they can (because it is totally legal)?

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== 1 of 1 ==
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TOPIC: Frugal term-life insurance???
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/50510abfe419b80f?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 29 2008 9:47 am
From: "Melissa"

"Al Bundy" <MSfortune@mcpmail.com> wrote in message
news:7393afb8-58fc-4cc9-b72e-b773ce10b8af@c65g2000hsa.googlegroups.com...
> On Mar 28, 2:12 pm, "Larry" <n...@none.com> wrote:
>> It's been 5 years since I had a term-life insurance on my own. At that
>> time
>> I was paying $400 per year.
>>
>> I went to work for a company, and recently found myself without a job.
>> Through the company, I paid $7.98 every week, for $100K policy. I called
>> to
>> get a quote on continuing life-insurance, they want a whopping $39.60 per
>> 1K coverage per year. It comes out to almost $4K per year.
>>
>> I thought term-insurance had dropped, after reading a recent article on
>> MSN.
>>
>> Geez, I know I'm 5 years older, but I can't afford that coverage.
>>
>> Been searching on Google, until my eyes hurt.
>>
>> Maybe someone can throw a bone to an old dog, and offer up some advice
>> for
>> a respectable, reasonable company?
>>
>> Thanks
>
> Something seems screwy here Larry. I just did a Google check assuming
> 40-45 non smoker and found all kinds of rates that were around $400/
> year for $100k.

My husband got a "Select 20" from State Farm when he was 46. It's $175,000,
locked in rate of $834 per year for 20 years. They did blood work, and he's
a non-smoker.

Melissa

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TOPIC: working from home for the next 5 weeks?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2e946a2a773f633a?hl=en
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== 1 of 1 ==
Date: Sat, Mar 29 2008 11:41 am
From: "Lou"

"Sal_55" <zaman_2756@yahoo.com> wrote in message
news:981f4692-d988-4bbe-a73b-0fcc6b1fcd70@a70g2000hsh.googlegroups.com...
> They said the more I walked, even
> on crutches,the longer it will take the broekn bone to heal. They told
> me that if I don't use my foot at all,it should heal in about 5 weeks.
> But I've been a naughty boy, and have been walking without crutches to
> make coffee and go to the toilet.

I know crutches are inconvenient, but that's not very smart.

> Lou, since you work in the clinical trials field, can you be kind
> enough to tell me which of the companies in the UK won't mind someone
> in crutches coming to take part in their trials?
> Thanks for all the help everyone and bye.

I work in the US - I'm afraid I can't help you connect up with anyone in the
UK. In the US, companies wishing to recruit subjects for a clinical trial
advertise to the public and/or recruit physicians who practice in the field
they want to study, and those physicians in turn recruit from the patients
they see. Every trial has a list of criteria that potential subjects must
meet before they're accepted into a trial - the list is different for every
trial, but I've never seen crutches mentioned one way or the other. Check
the newspaper.

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/270663f0385d2db9?hl=en
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TOPIC: how to bring down the price of gas.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/315edd6257d33731?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Mar 29 2008 12:14 pm
From: "Lou"

"Peter Bruells" <usernet@rogue.de> wrote in message
news:m2sky964i8.fsf@rogue.de...
> max <betatron@earthlink.net> writes:
>
> > In article <m23aq97uxs.fsf@rogue.de>, Peter Bruells <usernet@rogue.de>
> > wrote:
> >
> >> max <betatron@earthlink.net> writes:
> >>
> >> > In article <0TVFj.185793$FE.123898@fe05.news.easynews.com>,
> >> > "The Henchman" <don'taskme@iampoor.net> wrote:
> >> >>
> >> >> Still cheaper now than in previous decades.
> >> >
> >> > That turns out not to be the case.
> >> >
<http://news.google.com/news?hl=en&q=gasoline++%22inflation+adjusted%22&btnG
> >> > =Search>
> >>
> >> Don't forget that incomes have risen. What's important isn't how much
> >> the price's in inflated adjusted dollars, but how long you have to
> >> work for it.
> >
> > i know this is going to sound coy or argumentative, but isn't "how long
> > you have to work for it" roughly equivalent to "inflation adjusted"?
>
> No, it isn't. These are seperate issues.
>
> These are numbers for Germany, but the principle's the same in the U.S.
>
> 1958: 16 Minutes work (at average income for 1 litre gasoline)
> 1960: 14 Minutes
> 1981: 4 Minutes
> 1985: 6 Minutes
> 1991: 4 Minutes
> 1997: 4 Minutes
> 1996: 4 Minutes
> 2000: 5 Minutes
> 2004: 5 Minutes

I guess the other issue is that these are purportedly average figures. For
a given individual, things might be quite different. As people mature and
gain experience, their incomes tend to rise over and above the inflation
rate (if that wasn't the case, everyone at a given company would tend to
make the same amount of money). For myself, way back when I was a youth
(1960's) I had to work somewhere around 15 minutes to buy a gallon of gas.
Today, for me it's less than the 5 minutes Peter reports.

Another wrinkle is that cars generally get better mileage than they did back
then. If I look at my time worked to buy enough gas to drive my car one
mile, today it comes to a couple of seconds, more or less. Back then, it
was more on the order of a minute.

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Saturday, March 29, 2008

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