Frugal Living: 26 new messages in 21 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: kind of impractical for cyclists to carry a gun under a lycra short
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8ec3161db9d48413?hl=en
==============================================================================

== 1 of 5 ==
Date: Tues, Apr 22 2008 11:58 pm
From: Gunner Asch

On Tue, 22 Apr 2008 22:39:51 -0500, "Edward Dolan" <edolan@iw.net>
wrote:

>
>"ComandanteBanana" <nolionnoproblem@yahoo.com> wrote in message
>news:de8c5eff-dc7a-4bc3-9675-7f64a3804048@t63g2000hsf.googlegroups.com...
>[...]
>>I knew you were the right kind of people when it comes to survival.
>
>Gunner Ass is an asshole - and so are you!

says the organ donor...laugh laugh laugh.
>
>>You know, originally I was very anti gun, but then I realized that the
>Swiss have more guns (not handguns) per capita than America. I think
>the real issue is education, but I don't see anything happening in
>that front either.
>
>And you think Americans are in any way comparable to the civilized Swiss?

Of course we are. In fact we got most of the form of our government
from the Swiss
>
>>My girlfriend wants a handgun for the overnight canoe trips, but we'll
>see. The worst predators out there are not criminals, but speeding
>motorboats.
>
>There is no way in this world an asshole like you could possibly have a girl
>friend. What is she, some kind of freak from an insane asylum? The one thing
>I know for sure is that I do not want an asshole like Gunner (he has murder
>in his heart) and a poor crazy fool like you anywhere near guns. Instead of
>posting nonsense to these honorable newsgroups, why don't you just go fuck
>yourself. Better yet, take that asshole Gunner with you. He knows all about
>cocksucking so you should have lots of fun together.

Sounds like Edtard is jealous that no one wants to take a canoe trip
with him. Not even his dog.
>
>Fucking Regards,
>
>Ed Dolan the Organ Donor - Minnesota
>aka
>Saint Edward the Great - Order of the Perpetual Pedophile - Minnesota
>
>

Political Correctness is a doctrine fostered by a delusional,
illogical liberal minority, and rabidly promoted by an
unscrupulous mainstream media, which holds forth the
proposition that it is entirely possible to pick up a turd by the clean end.

== 2 of 5 ==
Date: Wed, Apr 23 2008 12:07 am
From: Gunner Asch

On Tue, 22 Apr 2008 23:22:41 -0500, "Edward Dolan" <edolan@iw.net>
wrote:

>
>"Gunner Asch" <gunner@NOSPAMlightspeed.net> wrote in message
>news:vl4t0491lnc7pmhpr9f3vu4hmfon6gi7es@4ax.com...
>> On Tue, 22 Apr 2008 13:41:28 -0700 (PDT), ComandanteBanana
>> <nolionnoproblem@yahoo.com> wrote:
>[...]
>>>You know, originally I was very anti gun, but then I realized that the
>>>Swiss have more guns (not handguns) per capita than America. I think
>>>the real issue is education, but I don't see anything happening in
>>>that front either.
>>>
>> Every..and I repeat Every school in American once had gun safety
>> course, school rifle teams, hunting safety courses and so forth.
>> I used to shoot on my highschool rifle team, most kids brought their
>> shotguns and rifles to school as they hunted before and after classes
>> during deer season and so forth. My first metal shop project was
>> rebuilding a very elderly .44 Colt peacemaker.
>>
>> All brought to a screeching halt by the anti-gun zealots.
>> When the educational system is controlled by Liberals..the last thing
>> they want is anything to do with firearms.
>
>Yes, teachers do not like being shot at by kids.

Oddly enough Ned..they wernt. It wasnt until guns and self
responsiblity were banned, that such bullshit started.
>
>> This of course is tantamount to refusing to teach children to properly
>> cross the street, how to avoid molesters, not to drop and roll when in
>> flames and so forth.
>
>Life is just one big obstacle course to Gunner! When was the last time you
>were on fire.

8 yrs ago. A Coleman stove blew at a seam.
>
>> Actually..its intentional, as an ignorant group of children are bound
>> to have accidents with firearms, and blood and death makes good press
>> for the antigun agenda.
>
>You bet! Let the kids have guns - even though they do not have an ounce of
>judgment. Good thinking Gunner!

Again..they were able to handle the responsiblity before the anti-gun
zealots wanted to start a body count.
>
>> Its like those that want cars to be removed from hiways, preventing
>> any sort of drivers training. There is NO way to keep kids from guns.
>> Fact of life. Same with smokes, booze and dope.
>
>None of those things are the same. They are all different. That is why there
>are different words to designate them.

They can all be misused. Which is why we call you fucktard.
>
>> Yet the antigunners want as many accidents as possible to push their
>> agenda. Bloody bastards no?
>
>The only bloody bastard here is you.

Why because I want to save lives, and you are suicidal?
>
>> Btw..the National Rifle Association offers FREE firearms safety
>> training to any school.
>> The Eddie Eagle program is exceptionally well thought of and works
>> very very well in preventing children accidents with firearms.
>> http://www.nrahq.org/safety/eddie/
>>
>> Yet many school administrators refuse to have anything to do with it.
>
>Jeez, I wonder why!

Im sure you dont, fucktard.
>
>> The mantra the program teaches kids is:
>>
>> If you see a gun:
>>
>> STOP!
>> Don't Touch.
>> Leave the Area.
>> Tell an Adult.
>>
>>
>> Yet the Leftards dont want your kids to learn that.
>
>That's not what the Leftards don't want the kids to learn. They don't want
>the kids to have guns - period!

That will never happen. Like the War on (some) Drugs, keeping things
away from determined kids is a waste of time and money. Best to
educate them
>
>> Pitiful, isnt it?
>> Putting the antigun agenda over the lives of children.
>> Of course, if children learn that the safe handling of firearms is
>> fun, the antigunners dont get all those donations and its far harder
>> to demonize gun owners.
>
>Just what we need - our schools full of kids carrying guns. God damn fucking
>good thinking Gunner!

If you fucktards hadent turned our schools into places turning out
mind numbed drones only fit for drone labor..

Odd that such was common years ago. So what happened? Did the kids get
stupid because of diet? MTV? Liberalism?
>
>>>My girlfriend wants a handgun for the overnight canoe trips, but we'll
>>>see. The worst predators out there are not criminals, but speeding
>>>motorboats.
>>
>> Those speeding motorboats are piloted by criminals if they dont
>> observe the "rules of the road"
>
>Those speeding motor boat operators should be shot to death no doubt. Gunner
>will be glad to perform this modest service for the good of society at no
>charge.

Says the suicidal organ donor who brags that no vehicle code laws
apply to him, no will he obey them
>
>> 2 legged varmints come in all shapes, sizes, colors and modes of
>> locomotion.
>
>Gunner needs to look in the mirror to see the biggest varmint of them all!

Why? Are you in my house?
>
>> A handgun is a handy tool, if you are well trained in its useage and
>> the responsibility that goes with it.
>
>I think Shane said that in the movie of the same name. Gunner - you are one
>fucking genius! I have always wanted to go back to the 19th century.

It would have a far smaller crime rate than it does today, if we did.
>
>> However you may be as well served with a small folding .22 rifle or
>> shotgun.
>
>And don't forget knives either while you are at it. Personally, I would
>consider nothing less than a bazooka myself.

Everybody carries a knife, dont they?

Bazooka? Is that what you call your penis pump? Fascinating....
>
>> Also, you should be aware that firearms are illegal in many parks etc.
>> Just to let you know....
>
>Screw that! I think I should be able to carry my gun wherever I go. It is
>like a second penis to me as I know it is to good old Gunner too!

Your attitude on guns is the same on vehicle laws, apparently.
>
>> Gunner
>>
>> Political Correctness is a doctrine fostered by a delusional,
>> illogical liberal minority, and rabidly promoted by an
>> unscrupulous mainstream media, which holds forth the
>> proposition that it is entirely possible to pick up a turd by the clean
>> end.
>
>Gunner is heavily into turds. That is because his brain is located in his
>asshole. I call him Gunner Ass in fact.

You dont have a clean end. Snicker

>
>Fucking Regards,
>
>Ed Dolan the Great - Minnesota
>aka
>Saint Edward the Great - Order of the Perpetual Sorrows - Minnesota
>
>

== 3 of 5 ==
Date: Wed, Apr 23 2008 12:12 am
From: Gunner Asch

On Wed, 23 Apr 2008 01:03:26 -0500, "Edward Dolan" <edolan@iw.net>
wrote:

>
>"aversion" <lies@US.gov> wrote in message
>news:lies-7E2CC9.22504122042008@news.supernews.com...
>> In article <F5udnZhFoJWON5PVnZ2dnUVZ_qelnZ2d@prairiewave.com>,
>> "Edward Dolan" <edolan@iw.net> wrote:
>>
>>> He [Gunner Ass] wants to murder someone. That is why he carries weapons.
>>
>> Oh, for God's sake. If he's like most of his attitude-ridden Usenet
>> peers, he'd have a hard time hitting anything but his own face with a
>> slingshot. He likely tried carrying a firearm once, but can't take any
>> more holes in his feet. You people need to realize that you are almost
>> certainly responding to a mental masturbater who sits in front of his
>> computer squeezing his zits and jiggling his spare tire while eating
>> pizza that was delivered in 30 minutes; whose most imaginative sexual
>> fantasy is giving Rush Limbaugh a blowjob, and whose car probably
>> couldn't keep up with a 5 speed Schwinn going uphill. On a flat.
>>
>> You probably gave him his best orgasm of the day attributing the
>> possibility of murder to him. Christ, what a bunch of fucking loons.
>
>You are right as rain in everything you say, buy why should perfect assholes
>like Gunner Ass always have the last word? These kind of morons ruin Usenet
>because they are always able to outlast a sane and sensible person such as
>yourself.
>
>I assume the mantle of craziness myself in order to put these assholes in
>their place if that is possible. I do not fear words or ideas no matter how
>absurd. I am smarter than Gunner Ass just as you are, but unlike you I do
>not leave the field of battle to them. Even though I may not get the last
>word, I make god damn sure I get the best word.
>
>Regards,
>
>Ed Dolan the Great - Minnesota
>aka
>Saint Edward the Great - Order of the Perpetual Sorrows - Minnesota
>

Look at the two buffoons giving each other a reach-around.
Aaaaa...isnt that cute?

Kneel and Bob..my favorite pair of fucktards

Aversion, isnt that what your parents called you?

And Nedtard Nolan, the drunken Mineeesoootan.

Why dont you two get a room?

Gunner

== 4 of 5 ==
Date: Wed, Apr 23 2008 12:20 am
From: Gunner Asch

On Wed, 23 Apr 2008 00:00:04 -0500, "Edward Dolan" <edolan@iw.net>
wrote:

>
>"Gunner Asch" <gunner@NOSPAMlightspeed.net> wrote in message
>news:ccft04lp3cps237doqr2ttqp104am68fn1@4ax.com...
>> On Tue, 22 Apr 2008 22:16:53 -0500, "Edward Dolan" <edolan@iw.net>
>> wrote:
>>
>>>
>>>"Gunner Asch" <gunner@NOSPAMlightspeed.net> wrote in message
>>>news:3u4r041cmagran78pj3cv4em3933kpo47b@4ax.com...
>>>> On Mon, 21 Apr 2008 21:47:34 -0500, "Edward Dolan" <edolan@iw.net>
>>>> wrote:
>>>[...]
>>>>>Well, I don't know about you either. You come onto this forum talking
>>>>>about
>>>>>running over cyclists and children with your gdf truck if they get in
>>>>>your
>>>>>way and then call everyone a cocksucker who objects. You tell me what I
>>>>>am
>>>>>suppose to think.
>>>>
>>>> I came into this thread complaining about having bike riders force me
>>>> to go to extremes to keep from killing them on an all too regular
>>>> basis.
>>>
>>>He wants to murder someone. That is why he carries weapons.
>>
>> Edtard wants to molest little children. Thats why he has a penis. (one
>> assumes he has one)
>
>You smarmy lagerlout git. You bloody woofter sod. Bugger off, pillock.
>You grotty wanking oik artless base-court apple-john. You clouted boggish
>foot-licking twit. You dankish clack-dish plonker. You gormless
>crook-pated tosser. You churlish boil-brained clotpole ponce. You
>cockered bum-bailey poofter. You craven dewberry pisshead cockup pratting
>naff. You gob-kissing gleeking flap-mouthed coxcomb. You dread-bolted
>fobbing beef-witted clapper-clawed flirt-gill.
>
>>>Fucking Regards,
>>>
>>>Ed Dolan the Organ Donor - Minnesota
>>>aka
>>>Saint Edward the Great - Order of the Perpetual Mouth - Minnesota
>
I cannot believe how incredibly stupid Ned the Organ Donor is. I mean
rock-hard stupid. Blazing hot mid-day sun on Mercury stupid. Surface
of Venus under 80 atmospheres of red hot carbon dioxide and sulfuric
acid vapor dehydrated for 300 million years rock-hard stupid. Stupid
so stupid that it goes way beyond the stupid we know into a whole
different sensorium of stupid. Edtard is trans-stupid stupid.
Meta-stupid. Stupid so collapsed upon itself that it is within its
own Schwarzschild radius. Black hole stupid. Stupid gotten so dense
and massive that no intellect can escape. Singularity stupid.
Edtard emits more stupid/second than our entire galaxy otherwise
emits stupid/year. Quasar stupid. Nothing else in the universe can
be this stupid. Edtard is an oozingly putrescent primordial
fragment from the original Big Bang of Stupid, a pure essence of
stupid so uncontaminated by anything else as to be beyond the laws of
physics that define maximally extrapolated hypergeometric
n-dimensional backgroundless stupid as we can imagine it. Edtard
is Planck stupid, a quantum foam of stupid, a vacuum decay of stupid,
a grand unified theory of stupid.

Edtard is the epiphany of stupid. Edtard is stooopid.

And his mother dresses him funny. Girls clothes.

Gunner

== 5 of 5 ==
Date: Wed, Apr 23 2008 12:22 am
From: Gunner Asch

On Wed, 23 Apr 2008 00:29:06 -0500, "Edward Dolan" <edolan@iw.net>
wrote:

>>
>> You still here, Ed? Leave the survival news groups and don't come back.
>
>Can't you tell I am well the way to giving old Gunner Ass one last kick?
>Some survivalist you are! May you all perish in whatever coming catastrophe
>befalls us.

Some of us may die, Eddy..but we will last long enough to piss on your
grave.

Dibs!! on the beer concession at your grave side.

Gunner

==============================================================================
TOPIC: TV on Your PC
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f115ec190faf3906?hl=en
==============================================================================

== 1 of 2 ==
Date: Wed, Apr 23 2008 12:11 am
From: "Rod Speed"

Gordon <gonzo@alltomyself.com> wrote:
> At the risk of looking like a spammer...
>
> This is actually a follow up to a post I made
> last week. I have uncovered some services that
> will stream network video and video on demand
> to your PC.
>
> I have not fully checked out these services, and
> I have no relationship with any of them.
>
> Check them out at your own risk.
>
> www.direct-pctv.com
> www.dishnetpc.com
> www.priemiumtvforpc.com
> www.watchtvonyourpc.net
> www.johnQ.com
>
> Most of these sell you a piece of software that will
> allow you to access their servers and view videos.
> After that there is no monthly fee.
> JohnQ (as best i can tell) is free and works with
> a browser plugin. It could work with Linux.
> One of them (I forget which) works with Windows
> Media Player.
>
> I don't know how they make their money. Perhaps you
> have to put up with commercials or there is a priemium
> level of service that they try to sell you for a
> monthly fee. I haven't tried any of them out yet so I
> don't know what strings may be attached.
>
> If they work as advertised, they could be a viable alternitive
> to Cable TV and their high monthly fees.
>
> Time to pull out my old laptop and see if it can handle
> streaming video. If it can, I'll hook it to my TV (it
> has a composite video out).
>
> Anyway, I'll keep you posted on this.
> After all, Eliminating the monthly cable bill without
> giving up TV is very frugal.

Changing to digital TV is even more frugal.

== 2 of 2 ==
Date: Wed, Apr 23 2008 2:39 am
From: Papadillos

It's best to Ask the Man Who Owns One beforehand. Google is Your Friend.
Thus, from a posting on DSLReports:

"I subscribed but when I checked it out it was nothing but a front for a
porn website. All the regular clips can be found on you tube, since that is
where it send you when you want to see a video. Then there is a link where
it states you must be 18+, there you can see adult videos. This website is
terrible, don't subscribe."
http://www.dslreports.com/forum/r19233415-JohnQ-TV-Any-good

(Actually, JohnQ's home page should have told you that...)

I don't know the economics of it, but porn and gambling come-ons seem to pay
off for the sites that front for them. Click-and-pay, like spam, seems to be
based on the fact that even if 1/10 (or for that matter 1/100) of 1% of
those accosted buy the service, the spammer or web sponsor makes a profit:
his costs are virtually zero when spread out over the 100 million
addressees. So every time you click on a link out of curiosity and even
without any intention of buying, and whether or not you do buy, the site
owner gets money.

Hence all those thousands of sites that have names based on misspellings of
other sites. (And I note that Amazon has bought up a lot of those, such as
Amazoon, Amaxon, etc. just to put an end to it as far as they are
concerned.)

On 23/04/2008 08:11, in article 6785omF2nub9oU1@mid.individual.net, "Rod
Speed" <rod.speed.aaa@gmail.com> wrote:

> Gordon <gonzo@alltomyself.com> wrote:
>> At the risk of looking like a spammer...
>>
>> This is actually a follow up to a post I made
>> last week. I have uncovered some services that
>> will stream network video and video on demand
>> to your PC.
>>
>> I have not fully checked out these services, and
>> I have no relationship with any of them.
>>
>> Check them out at your own risk.
>>
>> www.direct-pctv.com
>> www.dishnetpc.com
>> www.priemiumtvforpc.com
>> www.watchtvonyourpc.net
>> www.johnQ.com
>>
>> Most of these sell you a piece of software that will
>> allow you to access their servers and view videos.
>> After that there is no monthly fee.
>> JohnQ (as best i can tell) is free and works with
>> a browser plugin. It could work with Linux.
>> One of them (I forget which) works with Windows
>> Media Player.
>>
>> I don't know how they make their money. Perhaps you
>> have to put up with commercials or there is a priemium
>> level of service that they try to sell you for a
>> monthly fee. I haven't tried any of them out yet so I
>> don't know what strings may be attached.
>>
>> If they work as advertised, they could be a viable alternitive
>> to Cable TV and their high monthly fees.
>>
>> Time to pull out my old laptop and see if it can handle
>> streaming video. If it can, I'll hook it to my TV (it
>> has a composite video out).
>>
>> Anyway, I'll keep you posted on this.
>> After all, Eliminating the monthly cable bill without
>> giving up TV is very frugal.
>
> Changing to digital TV is even more frugal.
>
>

==============================================================================
TOPIC: Wholesale Tudor Prince Date-Day Replica Watches TU049 Discount, Fake
Watch
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e8508ab61c8f4eca?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Apr 23 2008 12:14 am
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a98426050c5fc63f?hl=en
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== 1 of 1 ==
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9497c73a9b3edcd3?hl=en
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== 1 of 1 ==
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TOPIC: Bitten clothing
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== 1 of 1 ==
Date: Wed, Apr 23 2008 1:10 am
From: service0018@watchec.com

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The Bitten's motto is "it is every women's absolute right to have a
pulled-together fashionable, positive wardrobe with cash left over to
live. GET BITTEN."

As mentioned earlier, Bitten clothes are only available in Steve &
Barry's chain of stores; they cannot be bought on phone, mail or
internet. However, the whole range of bitten clothes and accessories
can be accessed at www.bittensjp.com.

The inspiration behind Bitten is derived from Sarah Jessica parker's
visit to Steve & Barry outlets couple of years ago, where high quality
clothes were available at very economical prices. She knows how
difficult it is to get well dressed with a low budget, as she was
among the eight children in her family.

Apart from Sarah Jessica parker other celebrities who joined the low
cost clothes revolution are Isaac Mizrahi, Nicole Miller and Vera
Wang.

The latest collection was launched under Bitten on November 21, 2007.
The collection was presented in the project runway; a conscious effort
was made such that the cost of any apparel did not exceed $15. The
runway collection includes Mercer two Button vest, V-neck pullover,
sleeveless flare leg mercer trouser, textured tunic, crackled slim leg
mercer trouser, long sleeve stripe tribeca, basic footless tights and
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==============================================================================
TOPIC: Sports Swimwear
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/de32e3240dc4a4c8?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Apr 23 2008 1:10 am
From: service0018@watchec.com

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/91674c3d1974227d?hl=en
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TOPIC: Pigs tow away motorhomes belonging to the homeless in Ontario, CA.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ef9b2be51a1cd9c6?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Apr 23 2008 12:45 am
From: Coffee's For Closers

In article <bhos04huj8bgsh10ujika1obv6kg543ica@4ax.com>,
dgw80@hotmail.com says...
> On Tue, 22 Apr 2008 19:57:13 GMT, "AllEmailDeletedImmediately"
> <derjda@hotmail.com> wrote:

> >anyone who thinks they "own" their homes, land, cars, motorhomes, boats, etc
> >should find out just what happens when they don't pay their propery taxes on
> >these thing. you'll find out
> >really quickly just who "owns" your property.

> I pay no property tax on my vehicles or boat. I pay license fees,
> but I know firsthand that nothing happens when I stop paying the fees
> and let the license lapse (and I'm still free to use them as I please
> on private property). So I guess I really do own them.

I think the point was about the most common use of a
(non-farm/non-industrial) vehicle. Which is driving and parking
on public roadways. Which is the point of the thread - the
seizure of unapproved vehicles which are parked on a public
street.

The motor home in question wasn't drivable, as admitted by its
former owner. Also, she had a three-day notice, which may even
have been a big orange sticker on the windscreen, saying, "Move
Or Get Towed." That is how the city of San Franciso used to get
attention with a car that was suspected of abandonment or
non-running storage (maybe still do.) Although I don't know how
Ontario does it.

And then, she complained about not getting a
last-minute chance to jump-start for a dead battery. Why didn't
she get the jump-start during the three-day notice period?

That woman had a 19-year-old son living with her. So she's old
enough to know about this stuff.

(Years ago, when I got my SF warning sticker, I just grumbled a
bit, got in the car, and moved it around to the other side of the
park. It wasn't rocket science.)

The article about the Ontario seizures included a cop pointing
out another vehicle parked nearby, that lacked an engine or
transmission. And thus was obviously in violation of the "public
roadway" laws about public parking versus private storage.

Although, of course, the less usual concept of a motor vehicle is
that you really can drive around, with no registration, no
inspection, no tax, no speed limits, etc, on private property.
And I'm fairly sure that you can even do so while drunk.

But, the homeless folks in the article were on the more
restrictive side of the public/private line.

And, anyway, I notice that you didn't mention the issue of yearly
taxes on "homes, land." Meaning real estate. And I am sure that
you know exactly what can happen if you fail to pay that gubmint
rent on "your" house or condo.

After which, it would be kind of difficult to drive or park your
unregistered vehicle on that formerly "private property" that got
seized by the gubmint to which you failed to pay the rent... uh,
I mean, "property tax."

--
Get Credit Where Credit Is Due
http://www.cardreport.com/
Credit Tools, Reference, and Forum

==============================================================================
TOPIC: WSJ: The Do-It-Yourself Tax Cut
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/914a187cc8e11b90?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Apr 23 2008 2:27 am
From: Papadillos

The Wall Street Journal
R.O.I.
By BRETT ARENDS

The Do-It-Yourself Tax Cut

April 21, 2008
Nobody likes paying taxes, but the way we Americans complain about them
you'd think they were the only way we're getting skinned.

Reality: We're getting nickel-and-dimed all the time, and in lots of ways we
don't even notice. And yes, it really adds up. If we counted the cost, most
people would be stunned.

OK, tax is center stage right now. Last week was April 15. This week will
come "tax freedom day," the notional point in the year when the average
citizen starts working for themselves. Many people are eagerly awaiting
their rebates and their $600 stimulus checks. (Note: Thanks to the deficit,
these aren't really rebates. They're just loans from your kids. Something to
think about before you blow the money on a flat-screen TV.) And the
presidential campaign may very well hinge on taxes and how to balance the
budget.

So here's a radical idea: A do-it-yourself tax cut.

Don't wait for the politicians to pass a law or some bureaucrat to mail you
a check. Don't wait for Uncle Sam to put more money in your pocket. Here are
14 ways to do it that you do tomorrow on your own.

1. Change bank accounts. You could be earning at least 3% interest on the
balance in your checking account. Instead you're probably earning virtually
nothing -- and maybe paying a "relationship" or "account maintenance" fee
while the bank has free use of your money. Bankrate.com tracks the best
deals around. Savings: An easy $100 a year. At least.

2. Stop using other banks' ATMs. Sure it's a pain to have to remember to go
your own bank and get enough cash. But you'll live. If you use other banks'
ATMs you may be getting dinged for fees twice -- once by that bank, and one
by your own. It adds up. Do it three times a week and it could easily cost
you $300 a year.

3. Brown bag it to work. No, I'm not kidding. Just look at the sandwich
shops near your office every lunch hour. They're probably packed, recession
or not. But if you spend just $8 a day extra eating lunch, that costs $2,100
over a year. Do the math. Just brown bagging once a week, at an $8 saving,
saves $416 a year. That's from making your own sandwich once a week.

4. Change your household and car insurance. Shop for a better deal. And
raise your deductibles. Savings: Maybe $200.

5. Sign up for rewards credit cards. Outraged at what you're paying for
groceries and gasoline? You can often get 3% back on a lot of purchases by
signing up for the right cards. It sounds trivial, but these are real
savings. Savings: Maybe $200 a year.

6. Get rid of your POTS. That's "Plain Old Telephone Service." If you
already have high-speed Internet at home, why are you also paying $40 a
month or more for a phone? Switch to a Voice Over Internet Protocol provider
like Skype. It costs a few cents a call. Easy saving: At least $400 a year.

7. Change your cell phone plan, or your provider -- or both. You're almost
certainly paying too much. If you don't believe me, call your provider and
threaten to leave. I'll bet they offer you real savings to stay. What does
that say about your current bill? Some companies -- like T Mobile -- are
competing aggressively on price. There are plans that can stop you getting
skinned when you go over your monthly minutes. Most people can probably save
a couple of hundred bucks a year on their bill. And while we're on the
subject, do you want the latest phone with all the bells and whistles? Fine,
that will be $200. Alternatively you could keep your old phone, and sell the
subsidized new one to some other sucker on eBay. That's worth another $100 a
year. Total savings: Maybe $300.

8. You pay how much for TV? When you count the cable or satellite service,
often in several rooms, premium channels, and TiVo, some people spend well
over $100 a month. Basic cable, a Netflix account and a DVD recorder can
easily save $600 a year. And DVDs come with an amazing new technology that
lets you watch them on any room in the house at no extra fee. You pick the
disc up and carry it."

9. The biggest waste of money for most people? "No. 1 on the list is eating
out and drinking out," says Jan Geiger, a veteran financial planner in
Atlanta, Ga. "That's absolutely, by far, No. 1." She says most people never
add it all up. When she makes her clients do just that, "They usually freak
out. It can easily be $400, $500 or $600 a month." No, you don't have to
live on noodles. Just cutting one $100 meal, or two $50 meals, a month will
save you $1,200 a year.

10. Buy a cheaper car and pay cash. Yes, that brand new luxury car says
"smart and rich." Unfortunately, it only says that about your car dealer.
About you it says "pretentious, and probably in debt."

11. Change your investments. If you're like most Americans, a lot of your
money is invested poorly. That means you're not maximizing your investment
in tax-free vehicles like 401(k)s and IRAs. And it means you're paying
rip-off fees for mediocre mutual funds. Few are worth them: Most of the time
you're better off in index funds. Savings: maybe $500 a year.

12. Shop online. When you see something in the stores, don't buy it. Go home
and check out the price online. I'll bet it's a lot cheaper, even when you
include the shipping. You may also skip state sales tax. Sometimes the
savings can be staggering. And if you get an online loyalty credit card,
such as the one offered by Amazon, you can save an extra 3%. If you just
save 10% this way on a mere $2,000 worth of spending a year,
congratulations: You have just made $200.

13. Cutting out crap. Remember before we paid for "iced tea" and water? And
half of what people buy has no obvious purpose or merit. If you don't
believe me, go to the mall and look around. And most gifts are a total waste
of money. I'll bet the typical household could save $500 a year just cutting
out crap.

14. Stop wasting energy. No, you don't have to shiver through the winter or
swelter in the height of summer. But a handful of simple steps can probably
save you $200 a year. Among them: Switching off electronics at the socket
overnight so they don't keep draining power.

These are only ballpark figures. The actual savings will vary enormously by
household. But just the steps above can save a household thousands a year.

That is, for most, a far bigger number than any tax proposals you will hear
about in the campaign.

This is not a political column. The debate about higher taxes or lower
spending can be carried on elsewhere. But it does seem to make sense to
tackle costs everywhere we find it, and not just in our tax bills.

URL for this article:
http://online.wsj.com/article/SB120857773599028553.html

==============================================================================
TOPIC: dawn of war keygen
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c1ea7eb215a14a66?hl=en
==============================================================================

== 1 of 1 ==
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TOPIC: ableton live 6 keygen
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d6faf2cc2fd5d129?hl=en
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TOPIC: l2walker crack
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/80bac4aaf36a8b11?hl=en
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TOPIC: empire earth patch
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/210d2e5fe38a52ac?hl=en
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TOPIC: wireless wep key password spy crack
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/385426c82c84f68a?hl=en
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TOPIC: black and white 2 patch
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e2961329f857cf43?hl=en
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f94d0d5e9a2af353?hl=en
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TOPIC: tim patch
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d25eec33a81a3fda?hl=en
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TOPIC: heavy weapon deluxe crack
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/98828a7b66302019?hl=en
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/97e9ff06c5f61e0d?hl=en
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TOPIC: opera 8 keygen
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