Frugal Living: 25 new messages in 7 topics

Tuesday, July 15, 2008

25 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:

* cheap product for your beacutiful life - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a735ebacc33d6981?hl=en
* Shop Lane Bryant Online Store - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f6c58a50b5485e9?hl=en
* Spacing Trips to the Grocery Store? - 18 messages, 7 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9e5316c7228e6cd4?hl=en
* MORE SPAM - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bcc97aa0968c168a?hl=en
* Mortgage Calculator with Compound Interest Control - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/748a30e300112533?hl=en
* Surviving high heating oil prices - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a184bef53e828bc7?hl=en
* maenner in damenkleidung kaufen www damenbekleidung bestellen
groessentabelle damenbekleidung bestellen mode damenbekleidung bestellen - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/550ed24d6d2a3021?hl=en

==============================================================================
TOPIC: cheap product for your beacutiful life
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a735ebacc33d6981?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jul 15 2008 7:54 am
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==============================================================================
TOPIC: Shop Lane Bryant Online Store
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f6c58a50b5485e9?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Jul 15 2008 9:00 am
From: RABBIT

On Jun 29, 3:41 pm, Al Bundy <MSfort...@mcpmail.com> wrote:
> On Jun 27, 6:56 am, RABBIT <getex...@gmail.com> wrote:
>
> >ShopLaneBryantOnlineStoreSales And Find plus-size suits and
> > stylish career apparel to accentuate your figure.find something
> > special atLaneBryantonlinestore.Their customer service is great
> > and I allwaysshophere for my wife and she loves when I do.
>
> Hmmm. Shopping for your wife's clothes? Better check her purse for
> your testicles.
> Or maybe she left them in your purse.
> If she wears a plus size, you should be shopping for a treadmill for
> her or a hand gun to use on yourself.

ITS ALLWAYS A HATER OUT THE BUNCH AND Al Bundy IS ONE OF THEM

== 2 of 2 ==
Date: Tues, Jul 15 2008 10:40 am
From: clams_casino

SPAMMERRABBIT wrote:

>ITS ALLWAYS A HATER OUT THE BUNCH AND Al Bundy IS ONE OF THEM
>
>

You may want to enroll in a remedial English course.

==============================================================================
TOPIC: Spacing Trips to the Grocery Store?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9e5316c7228e6cd4?hl=en
==============================================================================

== 1 of 18 ==
Date: Tues, Jul 15 2008 9:10 am
From: "Dave"

> $1-1.50 (or even stop in, providing I'm driving by) . Outside of the gas
> / milk, however, I'm not sure there is anything else worthwhile at the
> convenience store. I'm convinced they are primarily in business to sell
> cigarettes & lottery tickets.

Near us, there is a small supermarket / large convenience store that used to
sell gasoline, beer, cigarettes and lottery tickets, along with just about
anything else you'd find in a grocery store (produce, meat, bread, dairy
products, etc.). If you were desperate enough (kinda pricey) you could do
your whole weekly shopping trip there.

A few months ago, I went there for gas, and all the pumps were marked out of
order.

Later, I went in for a lottery ticket on my way home. All the gas pumps
were still out of order, and I was informed that they lost their lottery
license.

Last time I stopped in there (don't remember why?), The gas pumps were out
of order, and there was a large sign on the front door stating "No Beer,
Cigarettes, or Lottery".

So now they are a convenience store that just carries food items, nothing
else. Don't know how long they will be open. Don't know why they are open
NOW, really. Place was dead last time I drove by. No customers.
None. -Dave

== 2 of 18 ==
Date: Tues, Jul 15 2008 9:12 am
From: "Dave"

> Where do you live that milk is only $1.99 a gallon?
>
> Here in PA state minimum price is $4.10 a gallon.
>
>

Don't tell me PA sets state minimum price on MILK???? Most convenience
stores sell cheap milk gallons, this isn't a NY thing, I've seen it all over
the U.S. -Dave

== 3 of 18 ==
Date: Tues, Jul 15 2008 9:16 am
From: "Dave"

> Another avenue that I'm experimenting with is turning powdered milk back
> into
> whole milk by adding butter.

Adding WHAT?!? What's sold as whole milk in supermarkets isn't whole milk,
it's milk that has had most of the cream removed. I don't know what
powdered milk is, but suspect it's probably 2% milk, before the powdering
process. If you want to turn powdered milk into something resembling whole
milk, you'd have to find about a cup or more of CREAM to add to each
allon. -Dave

== 4 of 18 ==
Date: Tues, Jul 15 2008 9:18 am
From: "Dave"

> I keep a few cans of evaporated milk around for emergencies. If you
> reconstitute powdered milk and add a little canned cow, it even gets
> almost drinkable. It's good enough to pour over cereal.

That sounds like a better idea than butter. -Dave

== 5 of 18 ==
Date: Tues, Jul 15 2008 9:29 am
From: Jonathan Grobe

On 2008-07-15, FarmI <ask@itshall> wrote:
>
> It does have a slightly different flavour than fresh milk, but even so, I'd
> have to rate it as far better than powdered milk. Any ideas why it isn't
> more popular than powdered?

What are the costs of regular milk vs UHT vs powdered milk vs
condensed milk, etc--comparing them after them after the water
has been added...so they are all equivolent say to a gallon
of fresh milk?

--
Jonathan Grobe Books
Browse our inventory of thousands of used books at:

http://www.grobebooks.com

== 6 of 18 ==
Date: Tues, Jul 15 2008 8:53 am
From: Ann

On Tue, 15 Jul 2008 17:39:58 +1000, FarmI wrote:

> "Neon John" <no@never.com> wrote in message
<...>
>> UHT is available here but not widely used, judging from the shelf space
>> it gets. I've been told by milk drinkers that it has a slightly
>> scorched taste.
>
> It does have a slightly different flavour than fresh milk, but even so,
> I'd have to rate it as far better than powdered milk. Any ideas why it
> isn't more popular than powdered?

There is some apples-and-oranges here. NFDM is a "replacement" for skim,
not whole, milk. So, once someone has made the transition to skim milk,
what's the point in paying for refrigerated storage and transportation
of all that water weight? A large box of NFDM weighs 4 pounds and makes 5
gallons (approx 40#) of liquid milk.

<...>

== 7 of 18 ==
Date: Tues, Jul 15 2008 10:03 am
From: lisajoe@privacy.net

On Tue, 15 Jul 2008 17:19:07 +1000, in misc.consumers.frugal-living "FarmI"
<ask@itshall be given> wrote:

><unow@example.com> wrote in message
>> On Mon, 14 Jul 2008 15:09:12 +1000, in misc.consumers.frugal-living
>> "FarmI"
>> <ask@itshall be given> wrote:
>
>>>I hate powdered milk in all forms. It's cheap but given the choice
>>>between
>>>UHT or powdered, I'd choose UHT every time. Fresh is still best but
>>>powdered - yuckie poo!
>
>> Powdered milk is good for backpacking and baking.
>
>I can see why it would be convenient for backpacking, but how do you use it
>in baking? And why would you use it in baking if you weren't out camping?
>

I don't bake while camping.. liquid milk has something in it that can hinder
bread from rising but powdered milk does not.

== 8 of 18 ==
Date: Tues, Jul 15 2008 10:22 am
From: Ann

On Tue, 15 Jul 2008 07:45:34 -0400, Neon John wrote:
<...>
> The closest Wallyworld (on paved roads, at least) is about 60 miles away.
> Even they only have the large boxes. I dream of having a Publix or
> similar premium store within driving range like I had in Atlanta. Of
> course, I'd not give up this paradise for all the Publixes on earth.

In my experience, rural Walmarts are over-rated (or is that under-rated?)
on grocery prices. There is a super-store approx 10 miles S, but I'm
fortunate to have chain supermarkets approx 25 miles N. (The people in
the southern part of the county are pretty much stuck with Walmart,
without a long trip.)

The only regular purchases I find consistently cost less at Walmart are
Jalapeno peppers, Hershey dark chocolate syrup, their store brand salsa,
and bulk mushrooms. The only time I buy meat there is when it's 1/3 off
because it's near the use-by date. And one has to read the nutritional
label because some of their meat is "plumped" with salt solution.

The prices on bread and freezer case prepared food can run 15% higher than
at the super store by the Home Depot approx 30 miles N. (Both stores are
at a (different) exit/entrance along a soon-to-be interstate highway so
transportation cost is no excuse.) Where Walmart is ahead of the curve is
in raising grocery prices. They used to be the place to buy brand name pet
food. Four weeks ago, a 13oz can of Friskies cat food was 1/3 over last
year's prince. Sunday, it had gone up 28% more. (Since the % of shelf
space for their store brand has been steadily increasing, Imo some of the
name brand increases in to convince us to switch.)

I understand that Walmart has their stock price to be concerned about, but
they're closing in on greedy.

== 9 of 18 ==
Date: Tues, Jul 15 2008 10:45 am
From: Ann

On Tue, 15 Jul 2008 12:16:05 -0400, Dave wrote:

>
>> Another avenue that I'm experimenting with is turning powdered milk back
>> into
>> whole milk by adding butter.
>
> Adding WHAT?!? What's sold as whole milk in supermarkets isn't whole
> milk, it's milk that has had most of the cream removed. I don't know what
> powdered milk is, but suspect it's probably 2% milk, before the powdering
> process.

It's what the box says it is - Non-fat dry milk - Total fat 0g.
Fat-containing powdered milk couldn't be stored long term without a bunch
of stabilizer to keep the fat from going rancid. (Iirc, dried
fat-containing milk is used in commercial baking, etc.)

> If you want to turn powdered milk into something resembling
> whole milk, you'd have to find about a cup or more of CREAM to add to each
> allon. -Dave

== 10 of 18 ==
Date: Tues, Jul 15 2008 10:55 am
From: Ann

On Tue, 15 Jul 2008 16:29:14 +0000, Jonathan Grobe wrote:

> On 2008-07-15, FarmI <ask@itshall> wrote:
>>
>> It does have a slightly different flavour than fresh milk, but even so,
>> I'd have to rate it as far better than powdered milk. Any ideas why it
>> isn't more popular than powdered?
>
> What are the costs of regular milk vs UHT vs powdered milk vs condensed
> milk, etc--comparing them after them after the water has been added...so
> they are all equivolent say to a gallon of fresh milk?

I just paid $14.28 for a box of nfdm that alleges to make 5 gallons of
skim milk. I don't know the price of liquid skim milk here.

== 11 of 18 ==
Date: Tues, Jul 15 2008 3:12 pm
From: Sheldon

On Jul 15, 3:51�am, "FarmI" <ask@itshall be given> wrote:
> "Sheldon" <PENMAR...@aol.com> wrote in message
>
> news:6fa6cb59-2db8-4510-82c4-61f89af74250@b1g2000hsg.googlegroups.com...
>
> > "FarmI" wrote:
>
> >> think for me the only problem would be bananas. ?
> >> There is no way to store them in any way.
> >Bananas freeze exceptionally well...
>
> Yebbut, they don't taste like fresh bananas. �If ya want a fresh banana, a
> frozen one just won't do.

Many think frozen banana tastes better than fresh. Most of the
world's food supply is eaten preserved in one way or another... don't
you have a fridge... you didn't suck that milk directly from the cow's
teat.

== 12 of 18 ==
Date: Tues, Jul 15 2008 4:31 pm
From: "FarmI"

"Neon John" <no@never.com> wrote in message
> On Tue, 15 Jul 2008 17:39:58 +1000, "FarmI" <ask@itshall be given> wrote:
>
>>It does have a slightly different flavour than fresh milk, but even so,
>>I'd
>>have to rate it as far better than powdered milk. Any ideas why it isn't
>>more popular than powdered?
>
> Cost. The UHT milk is very expensive. TN is a poor state, particularly
> in
> the rural areas. Lots of folks on food stamps and even more working poor.
> Powdered milk is quite cheap for the amount it makes.

I know you didn't mean to make your post sound 'negative' but that sounds
quite sad. To me, having to buy powdered milk before buying either UHT or
full cream/skim/low fat milk would equate to grinding poverty.

I think if I was poor, I'd drop something else rather than buy powdered
milk. It might help if I'd not been used to fresh milk but I cna't come at
the stuff.

> Around here, logging was the traditional other work besides farming. Most
> of
> the land is owned by the forest service. When the eco-nazis took over the
> FS
> and, contrary to law, they quit leasing logging tracts, work dried up.
> Now,
> you farm, you drive long distances to other towns, you're retired or for a
> very few folks, you make money on tourism. Ahhh, tourism, the universal
> savior for every area that's run off all its industry. NOT!

And I guess increaisng not as the fuel cost rise.

>>What sort of recipes do you use it in? I can't ever recall seeing a
>>recipe
>>that uses powdered milk.
>
> I treat it like whole milk once I add the butter. Puddings, gravy, mashed
> potatoes, mac and cheese, etc. As long as the dish doesn't rely heavily
> on
> the taste of milk (Ice cream, for instance), it works pretty well.

Interesting. I think I'd just make something else if I didn't have fresh
milk to add. I have one small tin of Nestle powdered milk in my pantry but
it's probalby years past it 'use by' date by now. Will check and give it to
the chooks when I'm finished here as I can't even recall when or even if
I've used it..
>
> I still lean toward frozen milk but my freezers are kinda full right now
> so I
> haven't frozen any in awhile.
>
>>
>>The biggest thing I don't like about it is that it comes in these
>>> huge boxes that would last 3 lifetimes for me. A couple of neighbors
>>> cook
>>> with it too, so we usually split a box.
>>
>>:-)) Can't you get the Nestle powdered milk which would be in about a 1
>>lb
>>tin?
>
> Not conveniently. The (singular) grocery store in town is a Save-a-Lot.
> In
> case you're not familiar, it's a chain that caters to the poor. Cheap
> house
> brands and almost no name brands. Their beef would need a chain saw to
> cut
> but amazingly enough, they carry top of the line IBP brand pork. That
> store
> is 25 miles away.

:-)) So the beef is for stews, curries and casseroles only?
>
> The closest Wallyworld (on paved roads, at least) is about 60 miles away.
> Even
> they only have the large boxes. I dream of having a Publix or similar
> premium
> store within driving range like I had in Atlanta. Of course, I'd not give
> up
> this paradise for all the Publixes on earth.
>
> Every couple of months I get up a group order with a couple of neighbors,
> load
> up my cube van with coolers and trek about 100 miles to a Sam's club
> and/or a
> restaurant supply warehouse. There I get my quality food like choice+
> beef,
> whole chickens by the case and stuff like that. I like to buy commodities
> like ketchup and mustard and BBQ sauce in case lots of #10 cans. So much
> cheaper that way. I'll open a can, split it into several portions and
> either
> freeze or refrigerate them, depending on the keeping qualities of each.
>
> Frozen veggies are another area where restaurant case-lots are vastly
> cheaper
> than at the supermarket, and frankly, they taste just about as good as
> what I
> freeze myself. 20 lbs of kernel corn, green beans, limas, peas, etc.,
> lasts a
> LONG time.
>
> Hmm, this post sounds a little negative. It isn't. I love this life and
> don't view the periodic long trek to the store as a negative. Something
> to
> look forward to. Plus there's no money leaking away at the C-store for
> junk
> food and such.

:-)) I have a small village near me that offers mnore than we need, but I
was thinking just the other day of what we will do when this place finally
gets too much for us. The thought of going back to even a small village
lifestyle doesn't appeal, so I do know what you mean about lifestyle vs
convenience

== 13 of 18 ==
Date: Tues, Jul 15 2008 4:35 pm
From: "FarmI"

"Neon John" <no@never.com> wrote in message
> On Tue, 15 Jul 2008 17:57:10 +1000, "FarmI" <ask@itshall be given> wrote:

>>I did a lot of pottery in my youth so I have no trouble kneading a small
>>batch. It's the big batches I can't manage due to some age related loss
>>of
>>strength.
>
> A low table would probably help. I have a genuine 500 lb laminated maple
> butcher's block in my kitchen. When I got it I had the top planed down to
> get
> rid of the deep dish and rough surface from years of commercial use. That
> plus my 6'7" size means that it falls below my crotch. A bit low for meat
> cutting but perfect for dough kneading. I can put all my weight through my
> shoulders onto the dough. My hands and elbows are arthritic so I don't
> even
> try to muscle it around like I used to.
>
> You might try a lower table or else find something to stand on to elevate
> you
> a few inches.

Bingo! You've hit the nail on the head! That is JUST what I need. Thanks
for that suggestion. As soon as I read it, I saw in my mind's eye, just the
thing - a stool from our sauna. We don't use the sauna (except to store our
camping gear in) so I'll dig out the stool and put it in the kitchen. It
was used as a stepping stool to allow access to the higher seats so one
could really bake oneself.

== 14 of 18 ==
Date: Tues, Jul 15 2008 4:54 pm
From: "FarmI"

"Jonathan Grobe" <grobe@netins.net> wrote in message
news:slrng7pk2q.r80.grobe@worf.netins.net...
> On 2008-07-15, FarmI <ask@itshall> wrote:
>>
>> It does have a slightly different flavour than fresh milk, but even so,
>> I'd
>> have to rate it as far better than powdered milk. Any ideas why it isn't
>> more popular than powdered?
>
> What are the costs of regular milk vs UHT vs powdered milk vs
> condensed milk, etc--comparing them after them after the water
> has been added...so they are all equivolent say to a gallon
> of fresh milk?

UHT is more expensive than fresh but I think that condensed/ evaporated
canned would be more expensive than either. Dunno about powdered, will
check if I go to the shop today.

== 15 of 18 ==
Date: Tues, Jul 15 2008 4:52 pm
From: "FarmI"

"Ann" <nntpmail@epix.net> wrote in message
> On Tue, 15 Jul 2008 17:39:58 +1000, FarmI wrote:
>> "Neon John" <no@never.com> wrote in message
> <...>
>>> UHT is available here but not widely used, judging from the shelf space
>>> it gets. I've been told by milk drinkers that it has a slightly
>>> scorched taste.
>>
>> It does have a slightly different flavour than fresh milk, but even so,
>> I'd have to rate it as far better than powdered milk. Any ideas why it
>> isn't more popular than powdered?
>
> There is some apples-and-oranges here. NFDM is a "replacement" for skim,
> not whole, milk.

??? Do you mean that when an American uses the term "powdered milk" they
mean the equivalent of powdered skim milk?

If you do mean that, I'm even more mystified as to why anyone would bother
to use the stuff.

So, once someone has made the transition to skim milk,
> what's the point in paying for refrigerated storage and transportation
> of all that water weight? A large box of NFDM weighs 4 pounds and makes 5
> gallons (approx 40#) of liquid milk.

I'd wonder why anyone would bother to make the transition to skim milk at
all. Skim milk so alters the taste and the texture it's easier to just go
without 'milk' rather than use skim. Changing to lower fat milk, I can
understand for an adult as it still has some taste of milk and operates like
milk in cooking, but skim, no. And children need full cream milk, which I
guess is less of an issue for all us regualrs here who seem to all be old
farts.

== 16 of 18 ==
Date: Tues, Jul 15 2008 5:00 pm
From: "FarmI"

<lisajoe@privacy.net> wrote in message
> On Tue, 15 Jul 2008 17:19:07 +1000, in misc.consumers.frugal-living
> "FarmI"
> <ask@itshall be given> wrote:
>
>><unow@example.com> wrote in message
>>> On Mon, 14 Jul 2008 15:09:12 +1000, in misc.consumers.frugal-living
>>> "FarmI"
>>> <ask@itshall be given> wrote:
>>
>>>>I hate powdered milk in all forms. It's cheap but given the choice
>>>>between
>>>>UHT or powdered, I'd choose UHT every time. Fresh is still best but
>>>>powdered - yuckie poo!
>>
>>> Powdered milk is good for backpacking and baking.
>>
>>I can see why it would be convenient for backpacking, but how do you use
>>it
>>in baking? And why would you use it in baking if you weren't out camping?

> I don't bake while camping.. liquid milk has something in it that can
> hinder
> bread from rising but powdered milk does not.

What sort of bread are you baking that uses milk? I've only ever used milk
in brioche and I don't really count that as being a 'bread' in the sense of
an everyday loaf. Brioche I put in the category of being a flash French
number that is more trouble than it's worth. I'd rather just make a fruit
loaf all told. I do sometimes bake when camping. Last time we went camping
I made a great loaf of bread in our Dutch oven.

== 17 of 18 ==
Date: Tues, Jul 15 2008 5:06 pm
From: BR

FarmI wrote:
> <unow@example.com> wrote in message
>> On Mon, 14 Jul 2008 15:09:12 +1000, in misc.consumers.frugal-living
>> "FarmI"
>> <ask@itshall be given> wrote:
>
>>> I hate powdered milk in all forms. It's cheap but given the choice
>>> between
>>> UHT or powdered, I'd choose UHT every time. Fresh is still best but
>>> powdered - yuckie poo!
>
>> Powdered milk is good for backpacking and baking.
>
> I can see why it would be convenient for backpacking, but how do you use it
> in baking? And why would you use it in baking if you weren't out camping?
>
>

If the recipe calls for 1 cup of regular milk, use 1/3 of a cup of
powdered milk and add enough water to get 1 cup.

Why use it for baking? Because you don't have to worry about it going
bad two weeks after you buy it. True, powdered milk will eventually
oxidize and taste worse than it usually does, but that's six months
after you open the box. Unopened, it keeps for a year.

--
Remove the TOS star ship captain to reply privately.

== 18 of 18 ==
Date: Tues, Jul 15 2008 5:44 pm
From: Ann

On Wed, 16 Jul 2008 09:52:58 +1000, FarmI wrote:

> "Ann" <nntpmail@epix.net> wrote in message
>> On Tue, 15 Jul 2008 17:39:58 +1000, FarmI wrote:
>>> "Neon John" <no@never.com> wrote in message
>> <...>
>>>> UHT is available here but not widely used, judging from the shelf
>>>> space it gets. I've been told by milk drinkers that it has a slightly
>>>> scorched taste.
>>>
>>> It does have a slightly different flavour than fresh milk, but even so,
>>> I'd have to rate it as far better than powdered milk. Any ideas why it
>>> isn't more popular than powdered?
>>
>> There is some apples-and-oranges here. NFDM is a "replacement" for skim,
>> not whole, milk.
>
> ??? Do you mean that when an American uses the term "powdered milk" they
> mean the equivalent of powdered skim milk?

Home users, yes. Except it's called Instant Nonfat Dry Milk.

> If you do mean that, I'm even more mystified as to why anyone would bother
> to use the stuff.

For adults at least, skim milk is healthier than milk with fat. There
are other sources of calcium and A&D like yogurt and cheese. And if one
has a yen for dairy fat, there is always butter and ice cream. <g> As for
not using milk at all, cereal is really dry without it. I mix it
"stronger" than the package directions for cereal and with banana or other
fruit on the cereal, it's ok by me. It's all a matter of personal taste
(or lack thereof).

>> So, once someone has made the transition to skim milk,
>> what's the point in paying for refrigerated storage and transportation
>> of all that water weight? A large box of NFDM weighs 4 pounds and makes
>> 5 gallons (approx 40#) of liquid milk.
>
> I'd wonder why anyone would bother to make the transition to skim milk at
> all. Skim milk so alters the taste and the texture it's easier to just go
> without 'milk' rather than use skim. Changing to lower fat milk, I can
> understand for an adult as it still has some taste of milk and operates
> like milk in cooking, but skim, no. And children need full cream milk,
> which I guess is less of an issue for all us regualrs here who seem to all
> be old farts.

==============================================================================
TOPIC: MORE SPAM
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bcc97aa0968c168a?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Jul 15 2008 10:46 am
From: clams_casino

FreebiesPl.us wrote:

>Free sample of Playtex Sport
>freebiespl.us
>
>

If you want this abusive spammer terminated, report them to abuse@comcast.net <mailto:abuse@comcast.net>

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TOPIC: Mortgage Calculator with Compound Interest Control
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/748a30e300112533?hl=en
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== 1 of 1 ==
Date: Tues, Jul 15 2008 11:10 am
From: headware

Does anybody know of an online mortgage calculator that allows you to
adjust how often the interest is compounded (e.g. daily, monthly,
etc.)?

Thanks,
Dave

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TOPIC: Surviving high heating oil prices
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a184bef53e828bc7?hl=en
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== 1 of 1 ==
Date: Tues, Jul 15 2008 2:41 pm
From: krw

In article <g5fthh$cj9$1@usenet01.srv.cis.pitt.edu>,
zekfrivo@zekfrivolous.com says...
> In article <MPG.22e27c8ac01edffc989e87@news.individual.net>, krw <krw@att.bizzzzzzzzzz> wrote:
> >In article <g5a6po$jf6@acadia.ece.villanova.edu>,
> >nicksanspam@ece.villanova.edu says...
> >> krw <krw@att.bizzzzzzzzzz> wrote:
> >>
> >> >> >... The reflective barrier will not keep heat in; zero R value.
> >> >> >It will *reflect* IR radiation and is useful in areas with
> >> >> >lots of sun, but it adds zero to the R value.
> >> >>
> >> >> Wrong.
> >> >
> >> >Not wrong. Foil does nothing to "resist" the conduction of heat
> >> >therefor has no "R" value. It will REFLECT radiated heat, but do
> >> >ZERO for conducted heat.
> >>
> >> With an air gap, the foil adds a real R-value.
> >
> >Nonsense. The air gap adds R-value. The foil adds nothing to the
> >heat conduction. Foils is METAL, which is a CONDUCTOR.
>
> Regardless of the technicalities of wording, reflective barriers
> are extremely important when the R value is low.

I guess a penny is important when you're broke.

> I experimented with some 3/16 inch Polyethelene foam with reflective
> barrier on both sides. In my basement on the cinderblock, which is R 3.5,
> I laid down a sheet against the block. I added another layer on the 3 inch
> wood framing members. Measuring the temperature differentials was very
> remarkable. Better than I could have imagined. It compared very favorable
> with the 3 inches of fiberglass on other areas. I was thinking, and may still do,
> add preforated foil on top the insulation in the attic.

You don't go into much detail, but your experiment is likely flawed.
The foil is doing nothing. The foil *might* do some good in the
attic for reasons I've mentioned.

--
Keith

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TOPIC: maenner in damenkleidung kaufen www damenbekleidung bestellen
groessentabelle damenbekleidung bestellen mode damenbekleidung bestellen
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/550ed24d6d2a3021?hl=en
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== 1 of 1 ==
Date: Tues, Jul 15 2008 6:43 pm
From: clientcenters12@googlemail.com

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Tuesday, July 15, 2008

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