Frugal Living: 26 new messages in 16 topics

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

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Today's topics:

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/89ec70c4b44e9ce2?hl=en
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== 1 of 1 ==
Date: Fri, Apr 18 2008 9:55 am
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==============================================================================
TOPIC: second car frugal?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/245dbead835c721d?hl=en
==============================================================================

== 1 of 8 ==
Date: Fri, Apr 18 2008 9:58 am
From: Jeff

I've had two friends ask about reducing gas costs within a few days of
each other. Oddly both are driving Chevy C1500's with V8s.

At 14 mpg, I can see why they complain! Both need to do a substantial
amount of driving each day. One commutes 80 miles, and both need
occasional usage of a truck.

So that brings up some interesting options.

Resale value on large used trucks has plummeted, people wanting gas
guzzlers want new gas guzzlers.

1) Sell the truck at a big loss and buy a smaller used truck.

2) Keep the truck and buy a small used car.

3) Keep driving the truck.

At the mileage they are driving and gas at $3.50 a gallon, that's
nearly $6,000 year. A small car that gets 28mpg, could save about
$2,500, assuming some truck driving, out of that you'd have to pay
second vehicle insurance cost et all and buy the second vehicle. It
looks like two vehicles may be cheaper in the long run and a single
smaller truck is cheaper in the short run. Doing nothing is cheaper in
the shortest run, but that would be in the one year range.

Who has any recommendations on vehicle choices?

From what I've seen, spending a $1000 on a used car usually buys
trouble. Spending $5000 seems to buy a good vehicle. There must be a
sweet spot or a sweet vehicle out there, or perhaps you just need to
find a good deal around $2500 or so... Last time I went looking (2 years
ago), the new car dealers had the best used cars. A glut of trade ins I
guess.

Myself, I'm able to keep a heap running forever, but that is not for
most people!

Jeff

== 2 of 8 ==
Date: Fri, Apr 18 2008 10:44 am
From:
------------------------------------------------------------------------------

"Jeff" <jeff@spam_me_not.com> wrote in message
news:WL-dnVRxpdW0TpXVnZ2dnUVZ_ramnZ2d@earthlink.com...
>
>
> I've had two friends ask about reducing gas costs within a few days of
> each other. Oddly both are driving Chevy C1500's with V8s.
>
> At 14 mpg, I can see why they complain! Both need to do a substantial
> amount of driving each day. One commutes 80 miles, and both need
> occasional usage of a truck.
>
> So that brings up some interesting options.
>
> Resale value on large used trucks has plummeted, people wanting gas
> guzzlers want new gas guzzlers.
>
> 1) Sell the truck at a big loss and buy a smaller used truck.
>
> 2) Keep the truck and buy a small used car.
>
> 3) Keep driving the truck.
>
> At the mileage they are driving and gas at $3.50 a gallon, that's nearly
> $6,000 year. A small car that gets 28mpg, could save about $2,500,
> assuming some truck driving, out of that you'd have to pay second vehicle
> insurance cost et all and buy the second vehicle. It looks like two
> vehicles may be cheaper in the long run and a single smaller truck is
> cheaper in the short run. Doing nothing is cheaper in the shortest run,
> but that would be in the one year range.
>
> Who has any recommendations on vehicle choices?
>
> From what I've seen, spending a $1000 on a used car usually buys trouble.
> Spending $5000 seems to buy a good vehicle. There must be a sweet spot or
> a sweet vehicle out there, or perhaps you just need to find a good deal
> around $2500 or so... Last time I went looking (2 years ago), the new car
> dealers had the best used cars. A glut of trade ins I guess.
>
> Myself, I'm able to keep a heap running forever, but that is not for
> most people!
>
> Jeff

Don't forget to factor in the insurance on a second vehicle. It's bizarre
that if you have two vehicles you need separate policies, since you can only
drive one at a time, but that's the way it is. I don't understand why they
insure the car instead of the driver.

== 3 of 8 ==
Date: Thurs, Apr 17 2008 11:04 pm
From: Dave

On Fri, 18 Apr 2008 12:58:15 -0400
Jeff <jeff@spam_me_not.com> wrote:

>
>
> I've had two friends ask about reducing gas costs within a few days of
> each other. Oddly both are driving Chevy C1500's with V8s.
>
> At 14 mpg, I can see why they complain! Both need to do a substantial
> amount of driving each day. One commutes 80 miles, and both need
> occasional usage of a truck.
>
> So that brings up some interesting options.
>
> Resale value on large used trucks has plummeted, people wanting gas
> guzzlers want new gas guzzlers.
>
> 1) Sell the truck at a big loss and buy a smaller used truck.
>
> 2) Keep the truck and buy a small used car.
>
> 3) Keep driving the truck.
>

You forgot the best and most obvious solution. Trade the truck in for a small car, then rent a truck the one or two days a year that you definitely "need" a truck. You will save thousands of dollars a year, and the rental fees will be nothing compared to that. So you will keep virtually all of the money you save. If the trucks are worth enough, you might even be able to do an even trade, truck for small car, no money involved other than registration fees. Oh! And you should get a REFUND from your insurance company also, as you've already paid for insurance on the truck, and the insurance on a car will be much cheaper. -Dave

== 4 of 8 ==
Date: Fri, Apr 18 2008 11:31 am
From: Paul M. Eldridge

On Fri, 18 Apr 2008 12:58:15 -0400, Jeff <jeff@spam_me_not.com> wrote:

> I've had two friends ask about reducing gas costs within a few days of
>each other. Oddly both are driving Chevy C1500's with V8s.
>
> At 14 mpg, I can see why they complain! Both need to do a substantial
>amount of driving each day. One commutes 80 miles, and both need
>occasional usage of a truck.
>
> So that brings up some interesting options.
>
> Resale value on large used trucks has plummeted, people wanting gas
>guzzlers want new gas guzzlers.
>
> 1) Sell the truck at a big loss and buy a smaller used truck.
>
> 2) Keep the truck and buy a small used car.
>
> 3) Keep driving the truck.
>
> At the mileage they are driving and gas at $3.50 a gallon, that's
>nearly $6,000 year. A small car that gets 28mpg, could save about
>$2,500, assuming some truck driving, out of that you'd have to pay
>second vehicle insurance cost et all and buy the second vehicle. It
>looks like two vehicles may be cheaper in the long run and a single
>smaller truck is cheaper in the short run. Doing nothing is cheaper in
>the shortest run, but that would be in the one year range.
>
> Who has any recommendations on vehicle choices?
>
> From what I've seen, spending a $1000 on a used car usually buys
>trouble. Spending $5000 seems to buy a good vehicle. There must be a
>sweet spot or a sweet vehicle out there, or perhaps you just need to
>find a good deal around $2500 or so... Last time I went looking (2 years
>ago), the new car dealers had the best used cars. A glut of trade ins I
>guess.
>
> Myself, I'm able to keep a heap running forever, but that is not for
>most people!
>
> Jeff

Hi Jeff,

I don't have any specific advice for your friends, but I can tell you
that crude oil is now trading in excess of $116.00 a barrel and that
the DOE is forecasting $4.00 a gallon gasoline in many parts of the
U.S. in the coming weeks (see link below). If your friends are
spending some $6,000.00 a year at $3.50 a gallon, that number could
very well approach $7,000.00/year (and possibly more) as we head into
the peak driving season.

Source:
http://news.yahoo.com/s/ap/20080418/ap_on_bi_ge/oil_prices_163;_ylt=AlLehTiTgJAcFAxtWddmcC.AsnsA

You didn't mention the age of these vehicles, but it's unlikely their
resale value will rebound going forward; if anything, as other vehicle
owners try to off-load their gas guzzling trucks and SUVs and as the
U.S. economy continues to weaken, I would expect their residual values
to decline at an even more precipitious rate. Whether it's better to
sell now or later I'll let someone else advise; I guess my question to
you is: "can they realistically afford to spend $6,000.00 or $7,000.00
a year filling their gas tanks?".

Cheers,
Paul

== 5 of 8 ==
Date: Fri, Apr 18 2008 11:39 am
From: "Rod Speed"

Jeff <jeff@spam_me_not.com> wrote:
> I've had two friends ask about reducing gas costs within a few days
> of each other. Oddly both are driving Chevy C1500's with V8s.
>
> At 14 mpg, I can see why they complain! Both need to do a
> substantial amount of driving each day. One commutes 80 miles, and
> both need occasional usage of a truck.
>
> So that brings up some interesting options.
>
> Resale value on large used trucks has plummeted, people wanting gas
> guzzlers want new gas guzzlers.
>
> 1) Sell the truck at a big loss and buy a smaller used truck.
>
> 2) Keep the truck and buy a small used car.
>
> 3) Keep driving the truck.
>
> At the mileage they are driving and gas at $3.50 a gallon, that's
> nearly $6,000 year. A small car that gets 28mpg, could save about
> $2,500, assuming some truck driving, out of that you'd have to pay
> second vehicle insurance cost et all and buy the second vehicle. It
> looks like two vehicles may be cheaper in the long run and a single
> smaller truck is cheaper in the short run. Doing nothing is cheaper in
> the shortest run, but that would be in the one year range.
>
> Who has any recommendations on vehicle choices?

> From what I've seen, spending a $1000 on a used car usually buys trouble. Spending $5000 seems to buy a good vehicle.
> There must be a sweet spot or a sweet vehicle out there,

Nope, thats always been a mindless myth.

> or perhaps you just need to find a good deal around $2500 or so...

Or that is mindlessly simplistic.

> Last time I went looking (2 years ago), the new car dealers had the best used cars.

Nope, private sellers do. Corse you have to know what you are
doing when buying those and its more effort to buy one of those too.

> A glut of trade ins I guess.

Nope, just the way te car business works.

> Myself, I'm able to keep a heap running forever, but that is not for most people!

Yep, some need reliable transport. Others whose job is more flexible or who work at home dont.

Whats the best thing to do depends on the circumstances which you didnt spell
out properly. Particularly how flexible they are on car reliability and how much
they really need a truck. And plenty choose to spend a few $K more than they
absolutely have to for the convenience of better reliability too, even if they cant
really spell out that that is what they are actually doing.

== 6 of 8 ==
Date: Fri, Apr 18 2008 12:27 pm
From: George

Jeff wrote:

>
> Who has any recommendations on vehicle choices?
>

It depends on what the occasional use might be. If it is a few
times/year the most sensible thing to do would be to get a normal car
and dump the truck and have the item delivered/rent a truck for the day
etc.

== 7 of 8 ==
Date: Fri, Apr 18 2008 12:59 pm
From: "Chloe"

"George" <george@nospam.invalid> wrote in message
news:rcqdnaWPcryAa5XVnZ2dnUVZ_r6dnZ2d@comcast.com...
> Jeff wrote:
>
>>
>> Who has any recommendations on vehicle choices?
>>
>
> It depends on what the occasional use might be. If it is a few times/year
> the most sensible thing to do would be to get a normal car and dump the
> truck and have the item delivered/rent a truck for the day etc.

My Honda CR-V (which gets pretty decent mileage) has come in pretty handy
for some of the types of hauling people use a truck for. Naturally, I'm not
going to load it up with a bunch of fill dirt or something like that, but it
can definitely transport lots of items a conventional sedan can't.

== 8 of 8 ==
Date: Fri, Apr 18 2008 1:21 pm
From: "Rod Speed"

Chloe <justsayno@spam.com> wrote
> George <george@nospam.invalid> wrote
>> Jeff wrote

>>> Who has any recommendations on vehicle choices?

>> It depends on what the occasional use might be. If it is a few times/
>> year the most sensible thing to do would be to get a normal car and dump the truck and have the item delivered/rent a
>> truck for the day etc.

> My Honda CR-V (which gets pretty decent mileage) has come in pretty
> handy for some of the types of hauling people use a truck for. Naturally, I'm not going to load it up with a bunch of
> fill dirt or something like that, but it can definitely transport lots of items a conventional sedan can't.

And a trailer can do most of what a truck can do, and doesnt
affect the mileage you get when using the car without the trailer.

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/87c87edd9b503294?hl=en
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== 1 of 1 ==
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==============================================================================
TOPIC: Terminix system vs Sentricon termite baiting system
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/481c60c43552dbec?hl=en
==============================================================================

== 1 of 3 ==
Date: Fri, Apr 18 2008 10:17 am
From: "cshenk"

"Walter Cohen" wrote

> I'm trying to determine which company has the better, more effective
> termite baiting system (and ultimately elimination of the colony).

Check the longevity of the chemical closely. This is the key.

I use Orkin here. The terminex stuff lasts at best a year and the franchise
in my local area is not reliable. (This is not a total slam on terminex as
i gather in some areas they are quite good and even in our area they are
better than Orkin with some types of pests, just not termites).

I have had several 'treatments' done in the past 10 years. One was by
terminex only 4 years ago and came back to the USA to find live termites
eating out a baseboard. I got the orkin contract and am covered for all
damage now after an extensive inspection to determine how much damage we
already had (thank the lord, just the basebord!). Yes, it costs money but
we are paying off treatment for an active infestation. Once that drops off,
we need only pay about 200$ a year for what is basically insurance coverage
for any damages and quarterly inspections. When the chemicals start to
fail, they reseed for free.

== 2 of 3 ==
Date: Fri, Apr 18 2008 11:02 am
From: dpb

dpb wrote:
> Walter Cohen wrote:
> ...
>
>> Any ideas on what/how the Terminix system works and if it is as good
>> as the Sentricon system?
>
> I don't know for sure, but I've always figured that Terminix was just
> reselling the Dow system.
...

Turns out they're not, apparently ... A (very quick) google turned up
this fwiw...I presume it's reasonably accurate, but I'd surely want to
do some more followup.

It does seem to indicate Terminix isn't using Dow Sentricon, though...

http://www.sentinelpestcontrol.com/termitecontrol/sentriconvsterminix.php

== 3 of 3 ==
Date: Fri, Apr 18 2008 1:02 pm
From: "Chloe"

"cshenk" <cshenk1@cox.net> wrote in message
news:gI4Oj.51611$QC.12484@newsfe20.lga...
> "Walter Cohen" wrote
>
>> I'm trying to determine which company has the better, more effective
>> termite baiting system (and ultimately elimination of the colony).
>
> Check the longevity of the chemical closely. This is the key.
>
> I use Orkin here. The terminex stuff lasts at best a year and the
> franchise in my local area is not reliable. (This is not a total slam on
> terminex as i gather in some areas they are quite good and even in our
> area they are better than Orkin with some types of pests, just not
> termites).
>
> I have had several 'treatments' done in the past 10 years. One was by
> terminex only 4 years ago and came back to the USA to find live termites
> eating out a baseboard. I got the orkin contract and am covered for all
> damage now after an extensive inspection to determine how much damage we
> already had (thank the lord, just the basebord!). Yes, it costs money but
> we are paying off treatment for an active infestation. Once that drops
> off, we need only pay about 200$ a year for what is basically insurance
> coverage for any damages and quarterly inspections. When the chemicals
> start to fail, they reseed for free.

Terminix nationally doesn't exactly have a great track record in terms of
running an honest business. Plenty of people have had their houses munched
by termites when the mixture of powdered milk and water Terminix used to
spray around their houses didn't turn out to be all that effective <g>.
Check with your state's attorney general office or department of agriculture
before you do business with them.

==============================================================================
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c5577bc2cfa0580e?hl=en
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== 1 of 1 ==
Date: Fri, Apr 18 2008 10:37 am
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== 1 of 1 ==
Date: Fri, Apr 18 2008 10:44 am
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