Frugal Living: 21 new messages in 7 topics

Friday, July 4, 2008

21 new messages in 7 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

* Surviving high heating oil prices - 13 messages, 10 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a184bef53e828bc7?hl=en
* What's the most frugal stock right now? - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e679f289ca85f247?hl=en
* Balenciaga Giant Weekender Motorcycle Bag Black - www.luxury-gift.org - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ecba8eee1d8c79b9?hl=en
* buy digital camera batteries wholesaler price - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b91c2affe14127f6?hl=en
* Donating blood - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/51be6adc7412e820?hl=en
* Rado Ovation Ladies Watch R26495712, Best Luxury Watch - www.luxury-gift.org
- 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb79fc418289b582?hl=en
* giving in & buying Microsoft Works for an end to nagging - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/743dfddf6abd7f6e?hl=en

==============================================================================
TOPIC: Surviving high heating oil prices
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a184bef53e828bc7?hl=en
==============================================================================

== 1 of 13 ==
Date: Thurs, Jul 3 2008 3:30 pm
From: Stan Brown

Wed, 2 Jul 2008 22:47:20 -0400 from JonquilJan <ward39@imcnet.net>:
> h <tmclone@searchmachine.com> wrote in message news:g4g11j$9ld$1@aioe.org...
> > Who heats their house to more than 55F-60F now?
>
> I do. Have the thermostat set at 64 - this past winter.

My mold consultant told me it was necessary to heat the house to at
least 65 to prevent the growth of mold. (Humidity should be no more
than 55%, though in winter it seems to hover in the high 30%s and low
40%s.)

I have baseboard hot-water heat, and both he and a contractor told me
it operates most efficiently if the thermostat keeps the same setting
24/7.

--
Stan Brown, Oak Road Systems, Tompkins County, New York, USA

http://OakRoadSystems.com
Shikata ga nai...

== 2 of 13 ==
Date: Thurs, Jul 3 2008 3:47 pm
From: krw

In article <MPG.22d71cf7ddc8ba7298b6ed@news.individual.net>,
the_stan_brown@fastmail.fm says...
> Wed, 2 Jul 2008 22:47:20 -0400 from JonquilJan <ward39@imcnet.net>:
> > h <tmclone@searchmachine.com> wrote in message news:g4g11j$9ld$1@aioe.org...
> > > Who heats their house to more than 55F-60F now?
> >
> > I do. Have the thermostat set at 64 - this past winter.
>
> My mold consultant told me it was necessary to heat the house to at
> least 65 to prevent the growth of mold. (Humidity should be no more
> than 55%, though in winter it seems to hover in the high 30%s and low
> 40%s.)

I could believe that, though I thought most plants grew better when
warmer (humidity, for sure).

> I have baseboard hot-water heat, and both he and a contractor told me
> it operates most efficiently if the thermostat keeps the same setting
> 24/7.

...but that part is simply nonsense.

--
Keith

== 3 of 13 ==
Date: Thurs, Jul 3 2008 4:22 pm
From: WDS

On Jul 3, 5:47 pm, krw <k...@att.bizzzzzzzzzz> wrote:
> In article <MPG.22d71cf7ddc8ba7298b...@news.individual.net>,
> the_stan_br...@fastmail.fm says...
> > I have baseboard hot-water heat, and both he and a contractor told me
> > it operates most efficiently if the thermostat keeps the same setting
> > 24/7.
>
> ...but that part is simply nonsense.

Yeah, no kidding. WTF is it with contractors and that? The guys who
put in my furnace (a force air, very high efficiency) said the same
thing about it. I just nodded my head and wrote them off for future
business.

== 4 of 13 ==
Date: Thurs, Jul 3 2008 4:35 pm
From: "h"

"WDS" <Bill@seurer.net> wrote in message
news:7b593881-8165-49e1-a854-287fd24c48fe@56g2000hsm.googlegroups.com...
On Jul 3, 5:47 pm, krw <k...@att.bizzzzzzzzzz> wrote:
> In article <MPG.22d71cf7ddc8ba7298b...@news.individual.net>,
> the_stan_br...@fastmail.fm says...
> > I have baseboard hot-water heat, and both he and a contractor told me
> > it operates most efficiently if the thermostat keeps the same setting
> > 24/7.
>
> ...but that part is simply nonsense.

So...how come those same guys will sell and install set-back thermostats?
Yeah, right. I only heat the rooms I'm in (zoned heat). If I'm in it, I set
it to 55F, if I'm not, it's off (50F or less).

== 5 of 13 ==
Date: Thurs, Jul 3 2008 4:35 pm
From: "Lou"

"Stan Brown" <the_stan_brown@fastmail.fm> wrote in message
news:MPG.22d71cf7ddc8ba7298b6ed@news.individual.net...
> Wed, 2 Jul 2008 22:47:20 -0400 from JonquilJan <ward39@imcnet.net>:
> > h <tmclone@searchmachine.com> wrote in message
news:g4g11j$9ld$1@aioe.org...
> > > Who heats their house to more than 55F-60F now?
> >
> > I do. Have the thermostat set at 64 - this past winter.
>
> My mold consultant told me it was necessary to heat the house to at
> least 65 to prevent the growth of mold. (Humidity should be no more
> than 55%, though in winter it seems to hover in the high 30%s and low
> 40%s.)
>
> I have baseboard hot-water heat, and both he and a contractor told me
> it operates most efficiently if the thermostat keeps the same setting
> 24/7.
>
I wonder what the definition of "most efficiently" is. For instance, at
least in the past, some offices/public buildings left the lights on 24/7
because lamps tend to last/longer if they're not cycled on and off. At
least for a while, there was also a tendency toward "group relamping" -
changing all the bulbs in an area at the same time, even if they still
worked, because that was cheaper than having someone from maintenance come
over to change lamps one by one as they bit the dust.

In this context, "efficient" might mean less heat lost up the chimney, less
unburned fuel passing through a cold furnace at startup in the morning. But
it might be possible that by turning the temperature down at night and while
the house is empty during the day results in lower overall costs because
you're heating less of the time, even though those few hours in the
morning/evening might have the furnace operating at less than peak
efficiency.

== 6 of 13 ==
Date: Thurs, Jul 3 2008 4:35 pm
From: "Rod Speed"

Stan Brown <the_stan_brown@fastmail.fm> wrote
> JonquilJan <ward39@imcnet.net> wrote
>> h <tmclone@searchmachine.com> wrote

>>> Who heats their house to more than 55F-60F now?

>> I do. Have the thermostat set at 64 - this past winter.

> My mold consultant told me it was necessary to heat the house to at least
> 65 to prevent the growth of mold. (Humidity should be no more than 55%,
> though in winter it seems to hover in the high 30%s and low 40%s.)

> I have baseboard hot-water heat, and both he and a contractor told me
> it operates most efficiently if the thermostat keeps the same setting 24/7.

Then he's a fuckwit that doesnt have a fucking clue.

== 7 of 13 ==
Date: Thurs, Jul 3 2008 4:38 pm
From: "Rod Speed"

Lou <lpogoda@verizon.net> wrote:
> "Stan Brown" <the_stan_brown@fastmail.fm> wrote in message
> news:MPG.22d71cf7ddc8ba7298b6ed@news.individual.net...
>> Wed, 2 Jul 2008 22:47:20 -0400 from JonquilJan <ward39@imcnet.net>:
>>> h <tmclone@searchmachine.com> wrote in message
> news:g4g11j$9ld$1@aioe.org...
>>>> Who heats their house to more than 55F-60F now?
>>>
>>> I do. Have the thermostat set at 64 - this past winter.
>>
>> My mold consultant told me it was necessary to heat the house to at
>> least 65 to prevent the growth of mold. (Humidity should be no more
>> than 55%, though in winter it seems to hover in the high 30%s and low
>> 40%s.)
>>
>> I have baseboard hot-water heat, and both he and a contractor told me
>> it operates most efficiently if the thermostat keeps the same setting
>> 24/7.
>>
> I wonder what the definition of "most efficiently" is. For instance,
> at least in the past, some offices/public buildings left the lights
> on 24/7 because lamps tend to last/longer if they're not cycled on
> and off. At least for a while, there was also a tendency toward
> "group relamping" - changing all the bulbs in an area at the same
> time, even if they still worked, because that was cheaper than having
> someone from maintenance come over to change lamps one by one as they
> bit the dust.
>
> In this context, "efficient" might mean less heat lost up the
> chimney, less unburned fuel passing through a cold furnace at startup
> in the morning. But it might be possible that by turning the
> temperature down at night and while the house is empty during the day
> results in lower overall costs because you're heating less of the
> time, even though those few hours in the morning/evening might have
> the furnace operating at less than peak efficiency.

Or the fool doesnt have a clue.

== 8 of 13 ==
Date: Thurs, Jul 3 2008 4:39 pm
From: tmclone@searchmachine.com

On Jul 2, 12:45 pm, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
> Dave wrote:
>
> >> Who heats their house to more than 55F-60F now?
>
> > Anybody who doesn't want to freeze to death. You are aware that you
> > can die of exposure at 55F, right? -Dave
>
> h is the same guy who claims he hasn't seen a doctor in 30 years because
> they don't know anything. He also believes there is no difference in
> taste between Frozen vs. fresh food & believers a 350 cholesterol count
> is no problem.
>
> He's either the newest roll to the group or the dumbest poster yet
> (beating even Rod).

Boy, do you need to learn reading comprehension.
1- I'm FEMALE
1- I had a 350 cholesterol count when I was eating what the doctor
suggested. It dropped into the 160s once I started eating only what
was on the "don't eat" list. THAT'S why I stopped seeing doctors -
they obviously don't know what they're talking about.

PLONK

== 9 of 13 ==
Date: Thurs, Jul 3 2008 6:31 pm
From: William Souden

Rod Speed wrote:
> Stan Brown <the_stan_brown@fastmail.fm> wrote
>> JonquilJan <ward39@imcnet.net> wrote
>>> h <tmclone@searchmachine.com> wrote
>
>>>> Who heats their house to more than 55F-60F now?
>
>>> I do. Have the thermostat set at 64 - this past winter.
>
>> My mold consultant told me it was necessary to heat the house to at least
>> 65 to prevent the growth of mold. (Humidity should be no more than 55%,
>> though in winter it seems to hover in the high 30%s and low 40%s.)
>
>> I have baseboard hot-water heat, and both he and a contractor told me
>> it operates most efficiently if the thermostat keeps the same setting 24/7.
>
> Then he's a fuckwit that doesnt have a fucking clue.
>
>
I always take the word of a welfare leech over a contractor.
Rod has been off his meds today. We already have seen the paper bag
bot and the erudite "fuckwit". Can the flushing bot be far behind?

William Souden
sales fool/racetrack bum

== 10 of 13 ==
Date: Thurs, Jul 3 2008 7:21 pm
From: clams_casino

tmclone@searchmachine.com wrote:

>
>PLONK
>
>

I love it when you talk dirty.

== 11 of 13 ==
Date: Thurs, Jul 3 2008 9:17 pm
From: Ron Peterson

On Jul 2, 8:15 am, "Bill" <billnomailnosp...@yahoo.com> wrote:
> It seems heating oil prices for next winter are going through the roof!

Convert to natural gas. It's cheaper, cleaner, and the utility can't
cut you off.

--
Ron

== 12 of 13 ==
Date: Thurs, Jul 3 2008 9:29 pm
From: "Nicik Name"

"Bill" <billnomailnospamx@yahoo.com> wrote in message
news:6d1dc7FbbjqU1@mid.individual.net...
> It seems heating oil prices for next winter are going through the roof!
>
> For those who can't pay, one way to survive this is to move two families
> into one house. Then each pays half.
>
> Might want to start making friends with that mother-in-law...
Shut the house down one room at a time..........
>
>

== 13 of 13 ==
Date: Thurs, Jul 3 2008 9:30 pm
From: "Nicik Name"

"Dave" <noway@nohow.not> wrote in message
news:g4g76q$lf1$1@registered.motzarella.org...
>
>
>>>
>>
>> Who heats their house to more than 55F-60F now?
>
> Anybody who doesn't want to freeze to death. You are aware that you can
> die of exposure at 55F, right? -Dave
only a dumb ass can.........
>

==============================================================================
TOPIC: What's the most frugal stock right now?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e679f289ca85f247?hl=en
==============================================================================

== 1 of 3 ==
Date: Thurs, Jul 3 2008 5:48 pm
From: Marsha

clams_casino wrote:
> This is a great time to swap traditional IRA funds into Roth funds -
> provided the funds don't move you into a higher tax bracket.
>
> Any rebound (ah, actually growth, since the market has been essentially
> flat since the day GW took office) will be tax free.

Funny you should say the same thing my financial advisor said. Anything
I have had taken out for the past 6 months has gone into a Roth. Some
of what's already in my IRA will be transferred slowly to a Roth over
the next 5 years, so as to not put me in another tax bracket.

Marsha/Ohio

== 2 of 3 ==
Date: Thurs, Jul 3 2008 7:55 pm
From: "catalpa"

"Vic Smith" <thismailautodeleted@comcast.net> wrote in message
news:b0fq64tunvf1m1se1ri91ipagspuj0itgg@4ax.com...
> On Thu, 3 Jul 2008 09:22:34 -0500, "OhioGuy" <none@none.net> wrote:
>
>> I don't usually ask others for stock advice, but thought it would be fun
>>to see what others out there think right now. I'm in a position to pick a
>>couple of stocks as investments in my IRA, and I like to use a value
>>approach. In other words, I look for companies that are currently out of
>>favor, or that the market has sold off more than would seem to be
>>warranted,
>>given long term prospects for the company.
>>
>> I just loaded up on a couple of inexpensive big pharma stocks, and would
>>like to balance those out with stocks from other sectors. Anyone have any
>>suggestions for an undervalued stock that is likely to bounce back at
>>least
>>20% over the next couple of years? (preferably one with little or no
>>debt,
>>and a stock price that is less than 10x cash flow)
>>
>> Thanks!
>>
>
> GM

He meant 10x cash flow coming in, not going out.

== 3 of 3 ==
Date: Thurs, Jul 3 2008 9:12 pm
From: Ron Peterson

On Jul 3, 9:22 am, "OhioGuy" <n...@none.net> wrote:
> I don't usually ask others for stock advice, but thought it would be fun
> to see what others out there think right now. I'm in a position to pick a
> couple of stocks as investments in my IRA, and I like to use a value
> approach. In other words, I look for companies that are currently out of
> favor, or that the market has sold off more than would seem to be warranted,
> given long term prospects for the company.

> I just loaded up on a couple of inexpensive big pharma stocks, and would
> like to balance those out with stocks from other sectors. Anyone have any
> suggestions for an undervalued stock that is likely to bounce back at least
> 20% over the next couple of years? (preferably one with little or no debt,
> and a stock price that is less than 10x cash flow)

TM is less than 10x cash flow. P/B is 1.29 and forward P/E is 10.79.

PCZ is less than 10x cash flow. P/B is 1.95 and forward P/E is 5.12.

If you can sell covered calls in your IRA, some ETFs might work for
you.

--
Ron

==============================================================================
TOPIC: Balenciaga Giant Weekender Motorcycle Bag Black - www.luxury-gift.org
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/ecba8eee1d8c79b9?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jul 3 2008 8:10 pm
From: yxs048@gmail.com

Balenciaga Giant Weekender Motorcycle Bag Black - www.luxury-gift.org

Luxury Gift : http://www.luxury-gift.org
BALENCIAGA handbags : http://www.luxury-gift.org/Handbags/BALENCIAGA-handbags.html
Balenciaga Giant Weekender Motorcycle Bag Black Link :
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Balenciaga Giant Weekender Motorcycle Bag Black Information :

Brand : BALENCIAGA handbags
Code :
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effect - Zip top closure with tassels - All lampo zipper - Double
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with leather pull - Silver plate tag embossed with BALENCIAGA PARIS -
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mirror and tags attached

Balenciaga Giant Weekender Motorcycle Bag Black Link :
http://www.luxury-gift.org/Watches/Handbags-8265.html

==============================================================================
TOPIC: buy digital camera batteries wholesaler price
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b91c2affe14127f6?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jul 3 2008 8:28 pm
From: econline

where to buy digital camera batteries ?

where is the best price of digital camera batteries ?

The best answer is http://www.batteries-world.co.uk/camerabattery.htm

buy digital camera batteries wholesaler price

Pay with paypal and wordpay

shipping fast 2-5days

==============================================================================
TOPIC: Donating blood
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/51be6adc7412e820?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jul 3 2008 8:32 pm
From: don@manx.misty.com (Don Klipstein)

In article <g4an2l$j09$1@aioe.org>, h wrote in part:
>
>Worrying about cholesterol is a total croc. When I was a vegan my
>cholesterol was over 350. At the time, I ate nothing on the list my doc gave
>me to "cut out" of my diet. Once I went back to a sane diet of almost no
>carbs and mostly protein and fat (virtually everything on the "cut out "
>list), my cholesterol dropped to 165, with no other changes in lifestyle.

I give that hardly more credibility than I would give your claim
(in article <48133cb9$0$9551$4c368...@roadrunner.com> on April 28
2008) that most people will gain weight on a 1,000 calorie per day diet if
the calories are mostly carbs.

- Don Klipstein (don@misty.com)

==============================================================================
TOPIC: Rado Ovation Ladies Watch R26495712, Best Luxury Watch - www.luxury-
gift.org
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb79fc418289b582?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jul 3 2008 9:10 pm
From: blog575@watchesblog.cn

Rado Ovation Ladies Watch R26495712, Best Luxury Watch - www.luxury-gift.org

Luxury Gift : http://www.luxury-gift.org
Rado Watches : http://www.luxury-gift.org//rado-watches.html
Rado Ovation Ladies Watch R26495712 Link :
http://www.luxury-gift.org/Watches/rado-watch-2252.html

Rado Ovation Ladies Watch R26495712 Information :
Brand : Rado Watches
Series : Rado Ovation
Code : Rado-R26495712
Gender : Ladies
Case Material : Grey Ceramic
Dial Color : Black
Bracelet Strap : Grey Ceramic
Movement : Quartz
Clasp Type : Hidden Push Button Deployment
Bezel : Fixed
Crystal : Scratch Resistant Sapphire
Case Back :
Case Diameter :
Case Thickness :
Water Resistant : 30m/100ft

Black Dial with 4 diamond markers. Battery Operated Quartz Movement.
Scratch Resistant Sapphire Crystal. Gray Ceramic Case and Bracelet .
Scratch Resistant Ceramic Case & Bracelet. 30 Meters \ 100 Water
Resistant. Rado Ovation Womens Watch. Item # R26495712 <table width="100%" border="0"><tr valign="top"><td width="119"
nowrap bgcolor="#EFEFF1">Brand</td><td width="641"
bgcolor="#EFEFF1"> Rado</td></tr><tr valign="top"><td
nowrap bgcolor="#EFEFF1">Series</td><td
bgcolor="#EFEFF1"> Rado Ovation</td></tr><tr
valign="top"><td nowrap bgcolor="#EFEFF1">Gender</
td><td bgcolor="#EFEFF1"> Ladies</td></tr><tr valign="top"><td
nowrap bgcolor="#EFEFF1">Case Material </
td><td bgcolor="#EFEFF1"> Grey Ceramic</td></tr><tr
valign="top"><td nowrap bgcolor="#EFEFF1">Dial Color</
td><td bgcolor="#EFEFF1"> Black</td></tr><tr valign="top"><td
nowrap bgcolor="#EFEFF1">Bezel</td><td
bgcolor="#EFEFF1"> Fixed</td></tr><tr valign="top"><td
nowrap bgcolor="#EFEFF1">Movement</td><td
bgcolor="#EFEFF1"> Quartz</td></tr><tr valign="top"><td
nowrap bgcolor="#EFEFF1">Clasp</td><td
bgcolor="#EFEFF1"> Hidden Push Button Deployment</td></
tr><tr valign="top"><td nowrap bgcolor="#EFEFF1">Bracelet</
td><td bgcolor="#EFEFF1"> Grey Ceramic</td></tr><tr
valign="top"><td nowrap bgcolor="#EFEFF1">Water Resistant</td><td bgcolor="#EFEFF1"> 30m/100ft</td></tr><tr
valign="top"><td nowrap bgcolor="#EFEFF1">Crystal</
td><td bgcolor="#EFEFF1"> Scratch Resistant Sapphire</td></tr><tr
valign="top"><td nowrap bgcolor="#EFEFF1">Warranty</
td><td bgcolor="#EFEFF1"> 2 Year Jomashop.com Warranty</td></
tr><tr valign="top"><td nowrap bgcolor="#EFEFF1">Item Variations</td><td bgcolor="#EFEFF1"> R26495712, Rado-R26495712,
26495712</td></tr><tr valign="top"><td nowrap
bgcolor="#EFEFF1">Additional Information</td><td
bgcolor="#EFEFF1"> Diamond Rado Watch. Scratch resistant ceramic
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Rado Ovation Ladies Watch R26495712 Link :
http://www.luxury-gift.org/Watches/rado-watch-2252.html

==============================================================================
TOPIC: giving in & buying Microsoft Works for an end to nagging
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/743dfddf6abd7f6e?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Jul 3 2008 9:16 pm
From: wmullin@blackhole.nyx.net (William Mullin)

http://www.openoffice.org

==============================================================================

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Friday, July 4, 2008

21 new messages in 7 topics - digest

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