http://groups.google.com/group/misc.consumers.frugal-living?hl=en
misc.consumers.frugal-living@googlegroups.com
Today's topics:
* Use it or lose it? - 14 messages, 10 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
* Vote for John McCain.. a mans man...not some pointy nose, smart guy. - 2
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f41a0c9e221cb6f?hl=en
* Plastic shards in Hot Pockets - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9db22bba40f40e15?hl=en
* Homemade Cleaner? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8ae05b3b6d060438?hl=en
* The DSL 12-Month Commitment - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb1b6c0797411fac?hl=en
* My idea of frugal living with green fitness - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8faf3a507b4f1d57?hl=en
* Value pick for the week: BPL - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/336301697917beb9?hl=en
==============================================================================
TOPIC: Use it or lose it?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
==============================================================================
== 1 of 14 ==
Date: Fri, Aug 22 2008 1:47 pm
From: Derald
timeOday <timeOday-UNSPAM@theknack.net> wrote:
>Is there some safe place to put my money where it will not shrink, and
>still be available on a few weeks' notice?
Certain inverse (ET)funds, if carefully screened, continue to offer
opportunities to profit and shall continue to do so as long as the stock
market moves downward or even when indexes remain static. As long as
that condition obtains, such funds maintain the same liquidity as any
other ETF but, of course, become less so during a (significant) market
rally.
Basic reading here:
http://en.wikipedia.org/wiki/Inverse_etf
Leveraged funds, particularly certain so-called "short" ETFs, also
have done quite well during this market downturn while others have, at
the least, lost much less than the overall market as reflected in the
indexes. Investing in these vehicles, though, is not for the
faint-of-heart or for the inexperienced investor. Take a look here:
http://www.profunds.com/ProFundsOverview/Content/default.fs
Be advised, though, that the two above citations are commercial sites
under the same corporate umbrella. A little W3 searching should uncover
at least a few more objective sources.
--
Derald
== 2 of 14 ==
Date: Fri, Aug 22 2008 1:18 pm
From: jdoe
On Fri, 22 Aug 2008 09:46:05 -0600, timeOday
<timeOday-UNSPAM@theknack.net> wrote:
>The APY on my credit union savings account is only 1.51%. Since this is
>far below current inflation, I am actually paying them to borrow my
>money, and my balance is worth less and less each day.
it doesn't take a rocket scientist to figure that one out, you need to
try and find a better rate of return
__________________________________________
Never argue with an idiot.
They'll drag you down to their level and beat you with experience.
== 3 of 14 ==
Date: Fri, Aug 22 2008 1:44 pm
From: "JR Weiss"
"Derald" <derald@invalid.net> wrote:
>
>>Is there some safe place to put my money where it will not shrink, and
>>still be available on a few weeks' notice?
> Certain inverse (ET)funds, if carefully screened, continue to offer
> opportunities to profit and shall continue to do so as long as the stock
> market moves downward or even when indexes remain static. As long as
> that condition obtains, such funds maintain the same liquidity as any
> other ETF but, of course, become less so during a (significant) market
> rally.
You missed his key criteria: "will not shrink, and still be available on a few
weeks' notice?"
Most/all ETFs will incur a brokerage fee and further penalties if withdrawn
prior to 30-90 days. None have guaranteed returns.
> Leveraged funds, particularly certain so-called "short" ETFs, also
> have done quite well during this market downturn while others have, at
> the least, lost much less than the overall market as reflected in the
> indexes. Investing in these vehicles, though, is not for the
> faint-of-heart or for the inexperienced investor.
Again, they do not meet his 2 basic criteria.
== 4 of 14 ==
Date: Fri, Aug 22 2008 1:41 pm
From: "JR Weiss"
"Rod Speed" <rod.speed.aaa@gmail.com> wrote...
>
>> Is there some safe place to put my money where it will
>> not shrink, and still be available on a few weeks' notice?
> Some places do offer much better rates than that, like around 8%
Who offers 8% to a US investor on such an account?
== 5 of 14 ==
Date: Fri, Aug 22 2008 1:55 pm
From: clams_casino
timeOday wrote:
>The APY on my credit union savings account is only 1.51%. Since this is
>far below current inflation, I am actually paying them to borrow my
>money, and my balance is worth less and less each day.
>
>Looking at Bankrate,
><http://www.bankrate.com/brm/rate/mmmf_highratehome.asp?params=US,416&product=33>
>it appears the best money market account is still only about 3.6%
>
>Meanwhile, inflation is 5.6%
><http://www.heraldtribune.com/article/20080822/COLUMNIST/808220325/2107/BUSINESS>
>
>Is there some safe place to put my money where it will not shrink, and
>still be available on a few weeks' notice?
>
>Or should I just blow it on a vacation before inflation eats it away :)
>
>
When I had a mortgage and found myself with extra cash, I'd make extra
payments against the mortgage. I also had an open home equity line of
credit so if I needed money quickly, I could get it immediately at a
favorable, tax deductible rate. I rarely needed the equity money, so I
was able to place my extra cash into the mortgage, effectively saving
about 6% - better and safer than most any investment / minimizing money
in al ow interest savings account.
== 6 of 14 ==
Date: Fri, Aug 22 2008 3:29 pm
From: "catalpa"
"JR Weiss" <jrweiss98155remove@remove.comcast.net> wrote in message
news:3YSdnR6KbOXIuDLVnZ2dnUVZ_j2dnZ2d@comcast.com...
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote...
>>
>>> Is there some safe place to put my money where it will
>>> not shrink, and still be available on a few weeks' notice?
>
>> Some places do offer much better rates than that, like around 8%
>
> Who offers 8% to a US investor on such an account?
>
You left out the "That does involve foreign currency exchange risk tho."
Local currency short term interest rates are:
8.70% Mexico
8.00% New Zealand
7.25% Australia
5.00% Great Britain
4.30% Euro
3.00% Canada
2.00% USA
0.55% Japan
== 7 of 14 ==
Date: Fri, Aug 22 2008 3:48 pm
From: timeOday
clams_casino wrote:
> timeOday wrote:
>
>> The APY on my credit union savings account is only 1.51%. Since this is
>> far below current inflation, I am actually paying them to borrow my
>> money, and my balance is worth less and less each day.
>>
>> Looking at Bankrate,
>> <http://www.bankrate.com/brm/rate/mmmf_highratehome.asp?params=US,416&product=33>
>>
>> it appears the best money market account is still only about 3.6%
>>
>> Meanwhile, inflation is 5.6%
>> <http://www.heraldtribune.com/article/20080822/COLUMNIST/808220325/2107/BUSINESS>
>>
>>
>> Is there some safe place to put my money where it will not shrink, and
>> still be available on a few weeks' notice?
>>
>> Or should I just blow it on a vacation before inflation eats it away :)
>>
>>
>
>
> When I had a mortgage and found myself with extra cash, I'd make extra
> payments against the mortgage. I also had an open home equity line of
> credit so if I needed money quickly, I could get it immediately at a
> favorable, tax deductible rate. I rarely needed the equity money, so I
> was able to place my extra cash into the mortgage, effectively saving
> about 6% - better and safer than most any investment / minimizing money
> in al ow interest savings account.
Maybe that is the best idea. Fortunately the mortgage is my only debt.
It breaks the rule some advocate of keeping X weeks of income on hand as
emergency savings, but maybe that's better than losing the money for good?
== 8 of 14 ==
Date: Fri, Aug 22 2008 4:12 pm
From: timeOday
JR Weiss wrote:
> "Derald" <derald@invalid.net> wrote:
>>> Is there some safe place to put my money where it will not shrink, and
>>> still be available on a few weeks' notice?
>
>> Certain inverse (ET)funds, if carefully screened, continue to offer
>> opportunities to profit and shall continue to do so as long as the stock
>> market moves downward or even when indexes remain static. As long as
>> that condition obtains, such funds maintain the same liquidity as any
>> other ETF but, of course, become less so during a (significant) market
>> rally.
>
> You missed his key criteria: "will not shrink, and still be available on a few
> weeks' notice?"
>
> Most/all ETFs will incur a brokerage fee and further penalties if withdrawn
> prior to 30-90 days. None have guaranteed returns.
>
>
>> Leveraged funds, particularly certain so-called "short" ETFs, also
>> have done quite well during this market downturn while others have, at
>> the least, lost much less than the overall market as reflected in the
>> indexes. Investing in these vehicles, though, is not for the
>> faint-of-heart or for the inexperienced investor.
>
> Again, they do not meet his 2 basic criteria.
Yeah, it's not like I keep my retirement savings in a bank account - I
invest it. But that's so volatile it doesn't seem appropriate for money
that I want to be able to spend (if necessary) on a few weeks' notice.
In the 10 years since I got a "real job" and started investing for
retirement, the Dow and S&P500 have struggled to match pace with inflation:
<http://homepage.mac.com/ttsmyf>
<http://www.geocities.com/petegersb/SPX-InflationAdjusted.GIF>
I still invest, but I consider it to be a long-term undertaking. And
for that matter, there's no guarantee there will be a good return even
over the long run.
Considering the rapid increase in standard of living in China and India
over the last decade or so, and considering we do business with them, it
surprises me that the median US standard of living really hasn't
increased in a generation or so. Some things get better (e.g. invention
of the Internet) while others get worse (e.g. affordability of
beach-front property).
== 9 of 14 ==
Date: Fri, Aug 22 2008 4:37 pm
From: "ChairMan"
In news:ktErk.175335$102.151902@bgtnsc05-news.ops.worldnet.att.net,
SpammersDie <xx@xx.xx>spewed forth:
> "timeOday" <timeOday-UNSPAM@theknack.net> wrote in message
> news:jcidnVYnruGiQjPVnZ2dnUVZ_sWdnZ2d@comcast.com...
>> The APY on my credit union savings account is only 1.51%. Since
>> this is far below current inflation, I am actually paying them to
>> borrow my money, and my balance is worth less and less each day.
>>
>> Looking at Bankrate,
>> <http://www.bankrate.com/brm/rate/mmmf_highratehome.asp?params=US,416&product=33>
>> it appears the best money market account is still only about 3.6%
>>
>> Meanwhile, inflation is 5.6%
>> <http://www.heraldtribune.com/article/20080822/COLUMNIST/808220325/2107/BUSINESS>
>>
>> Is there some safe place to put my money where it will not shrink,
>> and still be available on a few weeks' notice?
>>
>> Or should I just blow it on a vacation before inflation eats it away
>> :)
>
> You could use it as seed money to start your own business in one of
> these promising growth industries:
>
> debt collector
> skip tracer
> repo man
> foreclosure assistance
> suicide counselor
> bankruptcy attorney
> payday lender (ok,maybe not this one.)
I called the suicide hotline the other day and they asked me if I could
drive a truck or fly a plane.
== 10 of 14 ==
Date: Fri, Aug 22 2008 4:47 pm
From: "JR Weiss"
"timeOday" <timeOday-UNSPAM@theknack.net> wrote...
>> When I had a mortgage and found myself with extra cash, I'd make extra
>> payments against the mortgage. I also had an open home equity line of
>> credit so if I needed money quickly, I could get it immediately at a
>> favorable, tax deductible rate. I rarely needed the equity money, so I
>> was able to place my extra cash into the mortgage, effectively saving
>> about 6% - better and safer than most any investment / minimizing money
>> in al ow interest savings account.
> Maybe that is the best idea. Fortunately the mortgage is my only debt.
> It breaks the rule some advocate of keeping X weeks of income on hand as
> emergency savings, but maybe that's better than losing the money for good?
If it's for your emergency savings, a series of CDs that mature at 1- or 2-month
intervals will work nicely. I have a series of 6 12-month CDs. It takes a bit
of time to establish them, but then they can go on auto-pilot with renewable
CDs.
You can almost always find a bank with a relatively high teaser rate for new
deposits and/or 12-18 month CDs.
While you're working on that, paying down the mortgage is not a bad idea
either...
== 11 of 14 ==
Date: Fri, Aug 22 2008 4:59 pm
From: "AllEmailDeletedImmediately"
"timeOday" <timeOday-UNSPAM@theknack.net> wrote in message
news:Lo2dnaoLJaC83zLVnZ2dnUVZ_obinZ2d@comcast.com...
> clams_casino wrote:
>> timeOday wrote:
>>
>>> The APY on my credit union savings account is only 1.51%. Since this is
>>> far below current inflation, I am actually paying them to borrow my
>>> money, and my balance is worth less and less each day.
>>>
>>> Looking at Bankrate,
>>> <http://www.bankrate.com/brm/rate/mmmf_highratehome.asp?params=US,416&product=33>
>>>
>>> it appears the best money market account is still only about 3.6%
>>>
>>> Meanwhile, inflation is 5.6%
>>> <http://www.heraldtribune.com/article/20080822/COLUMNIST/808220325/2107/BUSINESS>
>>>
>>>
>>> Is there some safe place to put my money where it will not shrink, and
>>> still be available on a few weeks' notice?
>>>
>>> Or should I just blow it on a vacation before inflation eats it away :)
>>>
>>>
>>
>>
>> When I had a mortgage and found myself with extra cash, I'd make extra
>> payments against the mortgage. I also had an open home equity line of
>> credit so if I needed money quickly, I could get it immediately at a
>> favorable, tax deductible rate. I rarely needed the equity money, so I
>> was able to place my extra cash into the mortgage, effectively saving
>> about 6% - better and safer than most any investment / minimizing money
>> in al ow interest savings account.
>
> Maybe that is the best idea. Fortunately the mortgage is my only debt.
> It breaks the rule some advocate of keeping X weeks of income on hand as
> emergency savings, but maybe that's better than losing the money for good?
well, if real estate in your area is in a downward spiral, it just seems to
me that
you'd be hastening the loss of your money.
== 12 of 14 ==
Date: Fri, Aug 22 2008 5:07 pm
From: "Lou"
"timeOday" <timeOday-UNSPAM@theknack.net> wrote in message
news:jcidnVYnruGiQjPVnZ2dnUVZ_sWdnZ2d@comcast.com...
> The APY on my credit union savings account is only 1.51%. Since this is
> far below current inflation, I am actually paying them to borrow my
> money, and my balance is worth less and less each day.
>
> Looking at Bankrate,
>
<http://www.bankrate.com/brm/rate/mmmf_highratehome.asp?params=US,416&produc
t=33>
> it appears the best money market account is still only about 3.6%
>
> Meanwhile, inflation is 5.6%
>
<http://www.heraldtribune.com/article/20080822/COLUMNIST/808220325/2107/BUSI
NESS>
>
> Is there some safe place to put my money where it will not shrink, and
> still be available on a few weeks' notice?
>
> Or should I just blow it on a vacation before inflation eats it away :)
It's really worse than that - not only is the purchasing power shrinking,
but part of the interest is taxed away. There is no such thing as an
absolutely safe place to put your money. Even if you use your savings to
pay down your home mortgage (assuming you have one) the local real estate
market could take a downturn, effectively erasing the equity you accumulate
by paying off the debt.
== 13 of 14 ==
Date: Fri, Aug 22 2008 5:11 pm
From: "Rod Speed"
JR Weiss <jrweiss98155remove@remove.comcast.net> wrote:
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote...
>>
>>> Is there some safe place to put my money where it will
>>> not shrink, and still be available on a few weeks' notice?
>
>> Some places do offer much better rates than that, like around 8%
>
> Who offers 8% to a US investor on such an account?
Almost everyone.
== 14 of 14 ==
Date: Fri, Aug 22 2008 5:17 pm
From: "Rod Speed"
timeOday <timeOday-UNSPAM@theknack.net> wrote:
> JR Weiss wrote:
>> "Derald" <derald@invalid.net> wrote:
>>>> Is there some safe place to put my money where it will not shrink,
>>>> and still be available on a few weeks' notice?
>>
>>> Certain inverse (ET)funds, if carefully screened, continue to offer
>>> opportunities to profit and shall continue to do so as long as the
>>> stock market moves downward or even when indexes remain static. As
>>> long as that condition obtains, such funds maintain the same
>>> liquidity as any other ETF but, of course, become less so during a
>>> (significant) market rally.
>>
>> You missed his key criteria: "will not shrink, and still be
>> available on a few weeks' notice?"
>>
>> Most/all ETFs will incur a brokerage fee and further penalties if
>> withdrawn prior to 30-90 days. None have guaranteed returns.
>>
>>
>>> Leveraged funds, particularly certain so-called "short" ETFs, also
>>> have done quite well during this market downturn while others have,
>>> at the least, lost much less than the overall market as reflected
>>> in the indexes. Investing in these vehicles, though, is not for the
>>> faint-of-heart or for the inexperienced investor.
>>
>> Again, they do not meet his 2 basic criteria.
>
> Yeah, it's not like I keep my retirement savings in a bank account - I
> invest it. But that's so volatile it doesn't seem appropriate for
> money that I want to be able to spend (if necessary) on a few weeks'
> notice.
>
> In the 10 years since I got a "real job" and started investing for
> retirement, the Dow and S&P500 have struggled to match pace with
> inflation: <http://homepage.mac.com/ttsmyf>
> <http://www.geocities.com/petegersb/SPX-InflationAdjusted.GIF>
>
> I still invest, but I consider it to be a long-term undertaking. And
> for that matter, there's no guarantee there will be a good return even
> over the long run.
> Considering the rapid increase in standard of living in China
> and India over the last decade or so, and considering we
> do business with them, it surprises me that the median US
> standard of living really hasn't increased in a generation or so.
Bullshit it hasnt, most obviously with the size of the houses
Its hardly surprising that its increased much more in China and India given the low base they started from.
> Some things get better (e.g. invention of the Internet)
And that is a hell of a lot better in those 10 years, most obviously with the move from dialup to broadband.
> while others get worse (e.g. affordability of beach-front property).
But the size of the non beach front property you can afford has improved considerably.
In spades in the last year.
==============================================================================
TOPIC: Vote for John McCain.. a mans man...not some pointy nose, smart guy.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f41a0c9e221cb6f?hl=en
==============================================================================
== 1 of 2 ==
Date: Fri, Aug 22 2008 1:45 pm
From: "Jon von Leipzig@mayday.com"
> I know how many houses I own. One. while the elite have to get back to
> you. http://online.wsj.com/article/SB121937270122562683.html?mod=googlenew...
They're probably his wife's homes. She got rich by virtue of being
the daughter of a mobster. (daddy took the rap for the head mobster of
Arizona, served time, and was rewarded with a big beer
distributorship) It was valued at $200 mill, back in 2000. She got 37%
of it.
== 2 of 2 ==
Date: Fri, Aug 22 2008 2:00 pm
From: "Jon von Leipzig@mayday.com"
On Aug 21, 1:22 pm, Cindy Hamilton <angelicapagane...@hotmail.com>
wrote:
> On Aug 20, 5:52 pm, phil scott <p...@philscott.net> wrote:
>
> I haven't watched the video, but why on earth would you want to vote
> for
> a dumb guy?
Dumb guys can be just as capable as smart guys at following orders.
Imo, the Rockefeller Empire controls both candidates. Foreign policy
will be directed by either Zbigniew B., or Kissinger, both long-time
servitors of the Rockefellers.
Cabinet posts will be filled with Trilateral Commission members and/or
CFR guys.
THe same Wall Street gang (Goldman Sachs and such) will serve as econ
advisors
regardless of who sits on the throne. (Imo, in the US, changing
presidents is little more than changing of the guard)
".....You know, by the time you become the leader of a country,
someone else makes all the decisions." ~Bill Clinton speaking in
Ireland (August 1998)
==============================================================================
TOPIC: Plastic shards in Hot Pockets
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9db22bba40f40e15?hl=en
==============================================================================
== 1 of 3 ==
Date: Fri, Aug 22 2008 2:07 pm
From: ultimauw@hotmail.com
http://consumerist.com/5032251/pepperoni-hot-pockets-recalled-for-containing-plastic
== 2 of 3 ==
Date: Fri, Aug 22 2008 3:26 pm
From: lorad
On Aug 22, 2:07 pm, ultim...@hotmail.com wrote:
> http://consumerist.com/5032251/pepperoni-hot-pockets-recalled-for-con...
See? They should have called them 'Plastic Pockets'.
"Eat! You will Like!"
== 3 of 3 ==
Date: Fri, Aug 22 2008 4:10 pm
From: Siskuwihane
On Aug 22, 5:07 pm, ultim...@hotmail.com wrote:
> http://consumerist.com/5032251/pepperoni-hot-pockets-recalled-for-con...
I prefer the "Ham Cheese & Glass Shard" flavored Hot Pockets.
==============================================================================
TOPIC: Homemade Cleaner?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8ae05b3b6d060438?hl=en
==============================================================================
== 1 of 1 ==
Date: Fri, Aug 22 2008 2:41 pm
From: vjp2.at@at.BioStrategist.dot.dot.com
Check out Heloise Hints for Singles.
Given to me when my mom died.
THings like vineagar and toothpaste for cleaning
- = -
Vasos Panagiotopoulos, Columbia'81+, Reagan, Mozart, Pindus, BioStrategist
http://ourworld.compuserve.com/homepages/vjp2/vasos.htm
---{Nothing herein constitutes advice. Everything fully disclaimed.}---
[Homeland Security means private firearms not lazy obstructive guards]
[Urb sprawl confounds terror] [Remorse begets zeal] [Windows is for Bimbos]
==============================================================================
TOPIC: The DSL 12-Month Commitment
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb1b6c0797411fac?hl=en
==============================================================================
== 1 of 2 ==
Date: Fri, Aug 22 2008 2:46 pm
From: spam@nospam.org (Messiah Obama)
On Sat, 23 Aug 2008 04:59:33 +1000, "Rod Speed"
<rod.speed.aaa@gmail.com> wrote:
>Some gutless fuckwit desperately cowering behind
>Messiah Obama <spam@nospam.org> wrote the completely superfluous
>proof that its never ever had a fucking clue about anything at all, ever.
>
>
Ya shameless huzzy, ya.
What choo mammy gwine say?
== 2 of 2 ==
Date: Fri, Aug 22 2008 5:08 pm
From: "Rod Speed"
Some gutless fuckwit desperately cowering behind
Messiah Obama <spam@nospam.org> wrote the completely superfluous
proof that its never ever had a fucking clue about anything at all, ever.
==============================================================================
TOPIC: My idea of frugal living with green fitness
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8faf3a507b4f1d57?hl=en
==============================================================================
== 1 of 2 ==
Date: Fri, Aug 22 2008 2:51 pm
From: Al Bundy
briant97 wrote:
> I have recently become very interested in green fitness and feel it
> involves being frugal at the same time. Sure you may have to purchase
> a few new products to green your fitness in the end this will pay off
> tremendously. For example purchasing a bike for your fitness routine
> as well as your commute is a great way to become frugal and fit. I
> also consider biking a wonderful green fitness activity that can even
> be performed for fun with the family. Get the kids a bike you a bike
> and make an evening activity for all. If you would like to understand
> more on this topic you can visit my new website I have dedicated to
> this topic. If you have any questions or concerns feel free to
> contact me at anytime.
WE'd be helping somebody else's green movement if we bought all that
crap you're selling.
== 2 of 2 ==
Date: Fri, Aug 22 2008 4:03 pm
From: Seerialmom
On Aug 22, 2:51 pm, Al Bundy <MSfort...@mcpmail.com> wrote:
> briant97 wrote:
> > I have recently become very interested in green fitness and feel it
> > involves being frugal at the same time. Sure you may have to purchase
> > a few new products to green your fitness in the end this will pay off
> > tremendously. For example purchasing a bike for your fitness routine
> > as well as your commute is a great way to become frugal and fit. I
> > also consider biking a wonderful green fitness activity that can even
> > be performed for fun with the family. Get the kids a bike you a bike
> > and make an evening activity for all. If you would like to understand
> > more on this topic you can visit my new website I have dedicated to
> > this topic. If you have any questions or concerns feel free to
> > contact me at anytime.
>
> WE'd be helping somebody else's green movement if we bought all that
> crap you're selling.
You actually clicked the link? Green fitness includes "reusing"
existing items around the house to get a workout, for example filling
empty gallon jugs with water and using those as weights for strength
training. I'm sure there's probably plenty of "recyclable" bicycles
out there as well without having to buy new.
This whole "green" bandwagon the media and manufacturing has jumped on
is beginning to get annoying. If we all replaced our "non-green"
items with "green"...wouldn't that result in a whole lot of garbage as
we tossed out the less than green items? :D
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TOPIC: Value pick for the week: BPL
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/336301697917beb9?hl=en
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== 1 of 1 ==
Date: Fri, Aug 22 2008 3:24 pm
From: Cheapo Groovo
> I was talking about the Roth IRA.
>
> > I do agree that it would be rather foolish for anyone to put EVERYTHING into a single stock.
>
> Its foolish for anyone to put the whole Roth IRA into just one too or even most of it.
>
>
Not if the IRA was investing in VTI or IYY
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