Frugal Living: 25 new messages in 13 topics

Tuesday, August 26, 2008

25 new messages in 13 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:

==============================================================================
TOPIC: A Quick Spam
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/36191a8f1448ac74?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Aug 25 2008 11:47 pm
From: clams_casino

Robert Brealey, the scammer, wrote:

>Hello Member,
>
>Recently a friend sent me an email about a free ebook that
>makes him good money.
>
>He didn't write it.
>

Of course not. YOU wrote it.

== 2 of 3 ==
Date: Tues, Aug 26 2008 3:31 am
From: FrouClou

Robert Brealey <perdics3@googlemail.com> wrote in news:5ba56f19-
5986-4c93-998d-de127b72d919@c58g2000hsc.googlegroups.com:

> Hello Member,
>
> Recently a friend sent me

SPAM

abuse@blueyonder.co.uk abuse@cogentco.com

> Robert Brealey - -
> New Ultimate
> http://www.
> --------------------------------------------------------

== 3 of 3 ==
Date: Tues, Aug 26 2008 4:39 am
From: Al Bundy

Robert Brealey wrote:
> Hello Member,
>
> Recently a friend sent me an email about a free ebook that
> makes him good money.
>
When someone starts off with a lie right off the bat, that's a
turnoff.

==============================================================================
TOPIC: Separate hot water heater rather than off the furnace
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/970a1e327b6d9cdb?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 12:09 am
From: melee5@my-deja.com

On Aug 25, 7:11 pm, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
> Dave wrote:
>
> > "Raff" <raff1...@comcast.net> wrote in message
> >news:1daac085-f048-4c73-93c7-54c984b22e29@56g2000hsm.googlegroups.com...
>
> >> I have an oil fired steam heat furnace with the hot water off the
> >> furnace. Considering the price of oil is it worth it to switch to
> >> electric hot water rather than the hot water supplied by the furnace?
>
> > No, unless you are willing to fork out the bucks for a tankless water
> > heater. -Dave
>
> Any feel for having a tankless vs. gas heater tank installed? Is one
> significantly cheaper over the long run?

Supposedly the tankless is cheaper because it's not heating water 24/7
but only when you need it. Ours was the same price as a tank type
($300) but the tankless carries a 12 year warrantee due to stainless
steel construction where the tank type rotted out every year with our
bad water - you do the math, we are already ahead of that game but for
a different reason than fuel economics.

The OP needs to sit down get some real numbers from neighbors, friends
about what an electric one costs to run and use in his local area.
And compare that to oil prices. He might be better off right where he
is at or an electric tankless might be the ticket? They do come in
both types along with a propane flavor (ours) as well.

The tankless type is best placed directly under the sink that you use
most since you will have several feet of cold water to run away in
order to get suitable water for washing of hands, etc. It's a real
pain to wait 30 seconds each time you want to rinse a dish and do it
comfortably in the winter time for example. 5 seconds is acceptable,
30 is not.

The manufacturers really want to push you into buying 3 times the
tankless water heater you really need, we never ran any other water
when someone was taking a shower for example so we don't need any more
than 3.2 gallons of hot water per minute generated ever - tell me why
I should by an 8 gallon per minute heater again and have that argument
make any sense what so ever, I dare you. The well won't even make 5
gallons per minute. We probably only really use 2 gallons per minute
of hot water ever, so the smallest (and cheapest) one they make did
the whole house just fine. If you have an estate or eight bedrooms
with bathrooms to match then maybe you should go for the bigger ones.

==============================================================================
TOPIC: Walmart Prices: Urban vs Rural?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/85719f2d4728a958?hl=en
==============================================================================

== 1 of 7 ==
Date: Tues, Aug 26 2008 5:38 am
From: Sheldon

On Aug 25, 5:04�pm, "h" <tmcl...@searchmachine.com> wrote:
> "Brian Elfert" <belf...@visi.com> wrote in message
> > "Anthony Diodati" <mrbreezeet1NO S...@verizon.net> writes:
>
> >>> Canned goods seem reasonable at Wal-Mart, but the meat is a good 50%
> >>> more
> >>> expensive than even the most expensive supermarket in the area, and I
> >>> consider THEIR (the supermarket's) prices on meat to be outrageously
> >>> high.
> >>> And the deli stuff at wal-mart? �You'd think it was made of gold or
> >>> lver. �-Dave
> >>Yeah, there Deli is out of sight too!
>
> > The Deli prices at Walmart, at least the stuff I occasionally buy, is way
> > less than any other store in the area. �SuperTarget's deli is far and away
> > the most expensive.
>
> I've never understood "Deli" purchases. Unless you're buying a ready-made
> sandwich from a store why on earth would you not make your own sandwich
> meat? Anything from a "deli" is uber expensive and processed to the enth
> degree. Roast a chicken or a turkey or a ham or a ribeye, then carve it up
> and make sandwiches. You can freeze leftovers in small packs. It's not
> exactly rocket science.

Roast chicken/turkey/ribeye are not considered deli meats/
provisions... delis sell those as a convenience item for the fast food
crowd, for those who don't want to cook and/or can't cook and/or can't
consume an entire roast... and such roasts once cooked do not freeze
well... nor do most people possess the knife wielding skills to slice
sandwich meat, nor do they want to bother, and it's messy. And ham
sold at delis is cured ham, very few people are going to cure their
own ham and ham is a rather large joint of meat, usually reserved for
large dinner parties, not to make the occasional sandwich. And there
are many types of ham, most of which are too costly to purchase in
large quantity, don't keep well, and Walmart doesn't carry any
specialty provisons anyway, most of what a Walmart deli sells is on
par with Oscar Mayer, and below.

Many folks enjoy quality cured meats, like salamis, balognas, wursts,
hams, etc. Naturally they can be made at home but for the quantities
most folks consume it's not worth the trouble... and properly curing
meats is indeed rocket science, very few possess the skills... indeed
there are more rocket scientists than sausagemakers.

The brands of deli meats (and cheeses) Walmart sells are of the very
poorest quality (why they are inexpensive), they cater to the very
lowest denominator, those with TIAD.

== 2 of 7 ==
Date: Tues, Aug 26 2008 6:20 am
From: clams_casino

Sheldon wrote:

>
>
>Roast chicken/turkey/ribeye are not considered deli meats/
>provisions... delis sell those as a convenience item for the fast food
>crowd, for those who don't want to cook and/or can't cook and/or can't
>consume an entire roast... and such roasts once cooked do not freeze
>well... nor do most people possess the knife wielding skills to slice
>sandwich meat, nor do they want to bother, and it's messy. And ham
>sold at delis is cured ham, very few people are going to cure their
>own ham and ham is a rather large joint of meat, usually reserved for
>large dinner parties, not to make the occasional sandwich. And there
>are many types of ham, most of which are too costly to purchase in
>large quantity, don't keep well, and Walmart doesn't carry any
>specialty provisons anyway, most of what a Walmart deli sells is on
>par with Oscar Mayer, and below.
>
>Many folks enjoy quality cured meats, like salamis, balognas, wursts,
>hams, etc. Naturally they can be made at home but for the quantities
>most folks consume it's not worth the trouble... and properly curing
>meats is indeed rocket science, very few possess the skills... indeed
>there are more rocket scientists than sausagemakers.
>
>The brands of deli meats (and cheeses) Walmart sells are of the very
>poorest quality (why they are inexpensive), they cater to the very
>lowest denominator, those with TIAD.
>
>
>
Cheeses are also quite difficult to make at home.

== 3 of 7 ==
Date: Tues, Aug 26 2008 6:29 am
From: Sheldon

On Aug 25, 10:56�pm, Brian Elfert <belf...@visi.com> wrote:
>
> The only things I ever buy from a deli are items you
> can't really get elsewhere. �

What items are those? Most anything sold at delis are available
packaged... often equal or better quality than the typical mega-market
deli. For high quality deli one pretty much needs to shop at
specialty delis; German, Italian, Danish, kosher...

> I never buy turkey, ham, and the like from the deli.

Why not?

Most folks shop at a deli because they desire some above average
quality specialty item but in a relatively small quantity (but there
are also those who shop delis for catering services). People don't
typically roast an entire turkey/ham for a couple sandwiches (nor do
they buy an entire salami/baloney to slice themselves), in cases where
folks prepare those whole roasts say for a holiday dinner then the
sandwiches are a by-product in using up the last dregs. People shop
at a deli for relatively small quantities of delicacies. When folks
want say a 1/2 lb of thinly sliced turkey/ham for a couple sandwiches
they are not going to roast a whole turkey/ham... would make as much
sense for folks who smoke cigars to operate their own tobacco
plantation.

delicatessen
Etymology: obsolete German (now Delikatessen), plural of Delicatesse
delicacy

---

== 4 of 7 ==
Date: Tues, Aug 26 2008 6:57 am
From: clams_casino

Sheldon wrote:

> Most anything sold at delis are available
>packaged... often equal or better quality than the typical mega-market
>deli.
>
You've GOT to be kidding. I'm not sure I've ever had packaged meats
up to the quality of a decent deli. Even fresh cut american cheese is
superior to the packaged crap. Then again, I don't buy at Walmart, etc
where deli typically means highly fatty, sliced fabricated meat
products, cheese food products, etc. I'm also amazed that anyone would
actually buy Hillshire Farm, Oscar Meyer, etc.

>For high quality deli one pretty much needs to shop at
>specialty delis; German, Italian, Danish, kosher...
>
>
>

Generally, that's true, but we find Boars Head and some Sara Lee items
to be quite good & commonly found at grocers.

>>I never buy turkey, ham, and the like from the deli.
>>
>>
>
>Why not?
>
>Most folks shop at a deli because they desire some above average
>quality specialty item but in a relatively small quantity
>

and that's the real advantage - picking up a 1/4 lb pepperoni to top off
a chicken sandwich, picking up 1/2 lb of chicken salad to make just two
sandwiches, occasionally buying a 1/4 lb of prosciutto to top off some
cantaloupe, etc. Do I really want to make a gallon of cole slaw when
1/4 lb is all I really want in a week?

== 5 of 7 ==
Date: Tues, Aug 26 2008 7:01 am
From: Sheldon

On Aug 26, 9:20�am, clams_casino <PeterGrif...@DrunkinClam.com> wrote:
> Sheldon wrote:
>
> >Roast chicken/turkey/ribeye are not considered deli meats/
> >provisions... delis sell those as a convenience item for the fast food
> >crowd, for those who don't want to cook and/or can't cook and/or can't
> >consume an entire roast... and such roasts once cooked do not freeze
> >well... nor do most people possess the knife wielding skills to slice
> >sandwich meat, nor do they want to bother, and it's messy. �And ham
> >sold at delis is cured ham, very few people are going to cure their
> >own ham and ham is a rather large joint of meat, usually reserved for
> >large dinner parties, not to make the occasional sandwich. �And there
> >are many types of ham, most of which are too costly to purchase in
> >large quantity, don't keep well, and Walmart doesn't carry any
> >specialty provisons anyway, most of what a Walmart deli sells is on
> >par with Oscar Mayer, and below.
>
> >Many folks enjoy quality cured meats, like salamis, balognas, wursts,
> >hams, etc. �Naturally they can be made at home but for the quantities
> >most folks consume it's not worth the trouble... and properly curing
> >meats is indeed rocket science, very few possess the skills... indeed
> >there are more rocket scientists than sausagemakers.
>
> >The brands of deli meats (and cheeses) Walmart sells are of the very
> >poorest quality (why they are inexpensive), they cater to the very
> >lowest denominator, those with TIAD.
>
> Cheeses are also quite difficult to make at home.

So are smoked/pickled meats/fish, preserved olives, fermented pickles,
slaws/krauts, confections... there are many products sold at delis
that are either too difficult or too troublesome to prepare at home
and especially not worth the effort for the small quantities people
require... hardly anyone is going to prepare rice/tapioca pudding at
home when all they want is like a 1/2 lb... puddings don't keep well,
a few years ago I decided I wanted to make a batch of tapioca pudding
with those large pearls. Well what does one do with six quarts... I
could barely consume a cupful before no more would go down, it's like
eating lead... fortunately I have neighbors with lots of kids who love
tapioca pudding. I'll never make tapioca pudding again, it's very
time consuming, a lot of work stirring, and turned out to be more
expensive than I had realized, but really doesn't pay to prepare a
small amount as it's the same work... next time it's gonna be a small
container from a deli.

== 6 of 7 ==
Date: Tues, Aug 26 2008 8:35 am
From: David Harmon

On Mon, 25 Aug 2008 17:08:51 -0400 in misc.consumers.frugal-living,
"h" <tmclone@searchmachine.com> wrote,
>stations in my whole life. Funny...not. Now I only pay cash at full-serve
>stations, no matter what the state.

It's becoming common for the cheapest stations here in So. Cal. to
charge a few cents extra per gallon for credit cards.

== 7 of 7 ==
Date: Tues, Aug 26 2008 10:16 am
From: "h"

"David Harmon" <source@netcom.com> wrote in message
news:kIadnQ_1ANp3vynVnZ2dnUVZ_vCdnZ2d@earthlink.com...
> On Mon, 25 Aug 2008 17:08:51 -0400 in misc.consumers.frugal-living,
> "h" <tmclone@searchmachine.com> wrote,
>>stations in my whole life. Funny...not. Now I only pay cash at full-serve
>>stations, no matter what the state.
>
> It's becoming common for the cheapest stations here in So. Cal. to
> charge a few cents extra per gallon for credit cards.

Around here it's $.05 cheaper per gallon for cash, but I get 5% back on gas
purchases from my credit card, so it's cheaper to use the card.

==============================================================================
TOPIC: AIR FORCE JORDAN, JORDAN FUSION SHOES, AJF 9
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/441e5b01de384d89?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 5:48 am
From: aaashoe.net@gmail.com

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==============================================================================
TOPIC: NIKE AIR JORDAN SHOES, JORDAN FORCE FUSION, 1 3 4 5 6 7 8 9 10 11 12 20
23
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2280113da3ee6885?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 5:50 am
From: aaashoe.net@gmail.com

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==============================================================================
TOPIC: CNN: Half-ton woman indicted in slaying of nephew
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/935cc02fc86d96ba?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 6:16 am
From: Ragnar

On Aug 25, 11:41 pm, lisa...@privacy.net wrote:
> On Mon, 25 Aug 2008 20:52:34 +0000, in misc.consumers.frugal-living The Master
>
> <tar...@nospam.sdf.lonestar.org.nospam> wrote:
> >On Mon, 25 Aug 2008, lisa...@privacy.net wrote:
>
> >> Toddlers are difficult to take anywhere.
>
> >And the USA is full of "loving parents" who don't want to be bothered by
> >their own children. I'm a parent, I know how much a pain in the ass a
> >toddler can be, and I wouldn't trade in those years for anything.
>
> I would not have left children with this woman but I also don't like to bring a
> toddler to my or other children's appointments. This woman has 1 year old twins
> that she took with her to the dentist.

Where was the father? Does she even know who it is?

Ragnar

==============================================================================
TOPIC: Good price!sale Jordans 12 Fusion AF1 Nike Shox R3 Greedy Genius
Sneakers Prada Sandals Lacoste Trainers from www.airjordanforsale.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/76d29c7f4d5f091d?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 6:44 am
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"

==============================================================================
TOPIC: One-time credit card numbers?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b77ead67078c8cf2?hl=en
==============================================================================

== 1 of 4 ==
Date: Tues, Aug 26 2008 9:11 am
From: Ken

I've read that credit card companies will supply their card holders with
a credit card number good for only one transaction, for example for a
mail order or internet purchase.

If true, how does one get one of these numbers? Phone call? Web site?
I've seen no info in the billing stuff I get, but I could easily have
overlooked it - I'm mainly interested in the current charges and balance
amount.

TIA

Ken

--
"When you choose the lesser of two evils, always
remember that it is still an evil." - Max Lerner

== 2 of 4 ==
Date: Tues, Aug 26 2008 9:37 am
From: Goomba

AMEX used to offer this service (called "Private Payments") but stopped
it a couple of years ago. I loved it and regret its demise :(

== 3 of 4 ==
Date: Tues, Aug 26 2008 10:09 am
From: Samantha Hill - remove TRASH to reply

I get it online with my Citicard. Go to the same web site where I pay
my bill, and there's an option to get a one-time card.

== 4 of 4 ==
Date: Tues, Aug 26 2008 11:01 am
From: DLC

Ken wrote:
> I've read that credit card companies will supply their card holders with
> a credit card number good for only one transaction, for example for a
> mail order or internet purchase.
>
> If true, how does one get one of these numbers? Phone call? Web site?
> I've seen no info in the billing stuff I get, but I could easily have
> overlooked it - I'm mainly interested in the current charges and balance
> amount.
>
> TIA
>
> Ken
>
>
Citi Bank and Discover cards have virtual or one time use account
numbers. MBNA used to have these as well, but I am not sure after the
Bank of America purchase.

You need to install software on your computer to generate the temporary
accounts.

==============================================================================
TOPIC: Sanyon Enerloop any good?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1c30a867749390d0?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 9:43 am
From: me@privacy.net

SMS <scharf.steven@geemail.com> wrote:

>me@privacy.net wrote:
>> Vic Smith
>> <thismailautodeleted@comcast.net> wrote:
>>
>>> Bought a Sanyo setup off ebay,
>>
>> Is eBay the cheapest place to get the
>> "kit"...batts and charger?
>
>Costco tends to be the cheapest (if you're a member of course).

I am a Costco member but I'm two hrs
away form nearest one

I looked online Costco page but don't
see the eneloop set....hmm

==============================================================================
TOPIC: WSJ: "Hi-Ho, Hi-Ho: How Can I Teach My Kids to Enjoy Work?"
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/edc1c65f88cceca7?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 11:14 am
From: lenona321@yahoo.com

I found this at Betsy Hart's website betsysblog.com.

http://online.wsj.com/article/SB121935843910061763.html

You can respond to the WSJ or post comments at Hart's blog.

First paragraph:

By TONY WOODLIEF
August 22, 2008; Page W13

"Recently our family moved from the suburbs to 20 wooded acres in the
country. This is not because I have a deep love for nature, which is
where God keeps the snakes and poison ivy. We moved because of an old-
fashioned sense that our four boys will benefit from hard work.
Perhaps it was too many passes by videogame display cases crowded by
overweight mouth-breathers. Or seeing the glacial pace of slump-
shouldered teenagers corralling carts at the grocery store. Whatever
the impetus, my wife and I concluded that living where there are
fields to mow, trees to cut, predators to kill, equipment to maintain
and adventures to pursue would be good for our children..........."

(some very interesting political discussion follows)

And last paragraph:

"Perhaps too many children fail to value work because their parents
fail to shepherd them into a world where work can be meaningful. So
maybe I should just shut up and get to working with a smile on my own
face. As is so often the case when raising children, the qualities we
want them to possess must first be cultivated in ourselves."

I definitely agree with: "Perhaps too many children fail to value work
because their parents fail to shepherd them into a world where work
can be meaningful." If parents looked for more ways to show kids how
what they learn in school can be useful in the real world, or showed
them how rewarding learning to cook well can be, or, last but not
least, how much they really have when they do volunteer work for the
homeless (such as "Habitat for Humanity"), maybe kids would be less
surly about work in general.

But I would hope most parents would have the sense NOT to pay kids for
doing their own share of the chores. What's going to happen when they
move out and find the dishes still pile up anyway?

Lenona.

==============================================================================
TOPIC: RIP Bobbi Sanchez
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a3ef1cf02aaa72c4?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 11:27 am
From: mike@nowhere.com (Mike)

On Tue, 26 Aug 2008, Ragnar <Ragnarsghost@hotmail.com> wrote:
>
>Why can't you post under one name? Do you have some kind of
>personality disorder or are you just too fucking stupid and lazy to
>keep your sock puppetry coordinated?
>Fucking dumb-assed loser.
>
>Steels Fans Suck
>NNTP-Posting-Host: FDYZ6s6RiUAQ5Pw6qznCjQ.user.aioe.org
>
>Frank Arthur
>NNTP-Posting-Host: FDYZ6s6RiUAQ5Pw6qznCjQ.user.aioe.org
>
>Electrician
>NNTP-Posting-Host: FDYZ6s6RiUAQ5Pw6qznCjQ.user.aioe.org
>
>Whiteslave
>NNTP-Posting-Host: FDYZ6s6RiUAQ5Pw6qznCjQ.user.aioe.org
>
>Dude watch your socks, and learn about headers. If you are going to be
>a complete fuckwit loser at least have the decency to use a remailler.
>Come on back when you want to be spanked like the little bitch that
>you are.

You've become quite good at reading headers since your foray into
sockpuppetry was documented.

==============================================================================
TOPIC: Anybody have experience with mortgages?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a3e6bcce6f05e17d?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Aug 26 2008 11:29 am
From: "OhioGuy"

We currently owe approx $11K on our double, presently paying $350 a month
at 5.25% interest, on a 10 year loan. (we live on one side)

We are in a situation where we would like to get moved to another home in
the next 12 months. In order to do this, we need to free up some $. We had
originally considered simply refinancing our mortgage to a 30 year, and
freeing up some equity at the same time - until we saw how much all the fees
added up to, and the new high interest rate we were offered.

I've done some calculations, and we need between $15,000 and $20,000 to
fix up the old furnaces in our double so that this place is in good shape to
rent when we're moved out, and so that we have enough cash to make payments
on a land contract home for about 15 months - while we make the transition
from living here to a new place, and get this one paying for itself. (we
spoke to a loan specialist at our credit union this morning, and she
suggested that a land contract might work out for us well, especially given
the number of houses presently sitting vacant)

Right now, most of our cash is being used up because we opted for a 10
year mortgage - which makes the move, and saving up any $ difficult.

We DO have about $12,000 in stocks set aside for our eventual auto costs,
when our present car wears out. I've been thinking that perhaps we should
use it to completely pay our house off? Part of me hates doing this to pay
off a 5.25% loan though - especially when I've made a 43% return over the
past 17 months on it. (MVL, BPL, then FNM & FRE) However, that's really
about the only way we could "retire" the original loan and make it so we
don't have to pay the $350 a month - at least that I can think of. (Ideas,
anyone?)

We could either get a home equity loan now for the $15 to $20K we'd need,
or else get a traditional second mortgage for that amount - a 30 year loan
should get us $15 to $20K for roughly $100 to $140 a month in payments,
right?

Then we could pay off our primary loan, and only have the $140 a month to
worry about on this property. As soon as someone moved in and started
paying rent, it would be taking care of itself.

Am I missing anything obvious here - another simple solution that might
work out better for us?

== 2 of 2 ==
Date: Tues, Aug 26 2008 11:44 am
From: "Dave"

"OhioGuy" <none@none.net> wrote in message news:g91i1m$rck$1@aioe.org...
> We currently owe approx $11K on our double, presently paying $350 a month
> at 5.25% interest, on a 10 year loan. (we live on one side)
>
> We are in a situation where we would like to get moved to another home in
> the next 12 months. In order to do this, we need to free up some $. We
> had originally considered simply refinancing our mortgage to a 30 year,
> and freeing up some equity at the same time - until we saw how much all
> the fees added up to, and the new high interest rate we were offered.
>
> I've done some calculations, and we need between $15,000 and $20,000 to
> fix up the old furnaces in our double so that this place is in good shape
> to rent when we're moved out, and so that we have enough cash to make
> payments on a land contract home for about 15 months - while we make the
> transition from living here to a new place, and get this one paying for
> itself. (we spoke to a loan specialist at our credit union this morning,
> and she suggested that a land contract might work out for us well,
> especially given the number of houses presently sitting vacant)
>
> Right now, most of our cash is being used up because we opted for a 10
> year mortgage - which makes the move, and saving up any $ difficult.
>
> We DO have about $12,000 in stocks set aside for our eventual auto costs,
> when our present car wears out. I've been thinking that perhaps we should
> use it to completely pay our house off? Part of me hates doing this to
> pay off a 5.25% loan though - especially when I've made a 43% return over
> the past 17 months on it. (MVL, BPL, then FNM & FRE) However, that's
> really about the only way we could "retire" the original loan and make it
> so we don't have to pay the $350 a month - at least that I can think of.
> (Ideas, anyone?)
>
> We could either get a home equity loan now for the $15 to $20K we'd need,
> or else get a traditional second mortgage for that amount - a 30 year loan
> should get us $15 to $20K for roughly $100 to $140 a month in payments,
> right?
>
> Then we could pay off our primary loan, and only have the $140 a month to
> worry about on this property. As soon as someone moved in and started
> paying rent, it would be taking care of itself.
>
> Am I missing anything obvious here - another simple solution that might
> work out better for us?

Do you owe more than the home is worth? If not, the most obvious solution
would be to sell the property, get a check from the buyer, and use that as a
down payment (and closing costs) on a new home.

You really don't want to be a landlord. And you can sell the current place
without putting a single penny into it. -Dave

==============================================================================
TOPIC: Whirl your mind, dazzle your eyes and fall in love with India's
extremes.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8e88065e2c02ad1?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 26 2008 11:30 am
From: kiran-travelfury

After traveling for more than 30 years in India, mostly to exotic and
undiscovered places, I believe it whirls your mind, dazzle your eyes
and eventually you fall in love with India's extremes.

During course of my travel I met many foreigners travelers in India-
some were only too happy to leave, while others stayed for a life
time. Yes! India could be a litmus test for many foreign tourists but
if you enjoy entering into intricate cosmologies and thrive on a very
high level of sensuality, India is one of the most rewarding dramas
unfolding on earth.

I have not delved into Indias's size, clamour and diversity nor I have
commented on it's chaos but instead mentioned what my eyes have seen
and other senses have felt- its 5000 years of glorious history,
heritage grandeur, numerous religious centers, royal retreats, rich
wildlife, lofty Himalayas, spellbinding back-waters, breathtaking sand
dunes, sun kissed beaches and above all it's hospitable people.
perhaps I wanted to see only good.

Read some of my posts....
Visit: http://aceguide.blogspot.com

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Tuesday, August 26, 2008

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