Frugal Living: 25 new messages in 8 topics

Friday, August 22, 2008

25 new messages in 8 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: Use it or lose it?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
==============================================================================

== 1 of 13 ==
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 withdrawn prior to 30-90 days.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.

== 2 of 13 ==
Date: Fri, Aug 22 2008 5:20 pm
From: "Rod Speed"

timeOday <timeOday-UNSPAM@theknack.net> wrote:
> 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.

No maybe about it.

> Fortunately the mortgage is my only debt. It breaks the rule some
> advocate of keeping X weeks of income on hand as emergency savings,

Its a completely stupid rule when you have that type of mortgage.

> but maybe that's better than losing the money for good?

No maybe about it.

The only real time that you'd lose even more going that route is
with a recent new purchase at the top of the market where you
have seen the value of the property slashed in the last year or so.

== 3 of 13 ==
Date: Fri, Aug 22 2008 5:24 pm
From: "Rod Speed"

JR Weiss <jrweiss98155remove@remove.comcast.net> wrote:
> "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.

The home equity loan makes a lot more sense, essentially because
the return is much better than on the CDs and its tax favored too.

> You can almost always find a bank with a relatively high teaser rate for new deposits and/or 12-18 month CDs.

But you could end up with a problem going that route if the bank goes bust.

Your money is fidc guaranteed, but you may not be able to get it
back quickly if you say get sacked just before the bank goes under.

> While you're working on that, paying down the mortgage is not a bad idea either...

Its the best idea return on the money wise.

== 4 of 13 ==
Date: Fri, Aug 22 2008 5:27 pm
From: "Rod Speed"

Lou <lpogoda@verizon.net> wrote:
> "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.

Yes there is, in a fidc guaranteed account. Lousy return tho.

> 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.

Thats only relevant if you are forced to sell it.

And if you have had the mortgage for quite a while, you
wont be upside down currently unless its interest only etc.

== 5 of 13 ==
Date: Fri, Aug 22 2008 5:45 pm
From: "JR Weiss"

"Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>
>> 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.
>
> The home equity loan makes a lot more sense, essentially because
> the return is much better than on the CDs and its tax favored too.

An HE loan makes no sense at all. An HE Line of Credit is an idea that has
merit, but only in limited cases.

>> You can almost always find a bank with a relatively high teaser rate for new
>> deposits and/or 12-18 month CDs.
>
> But you could end up with a problem going that route if the bank goes bust.
>
> Your money is fidc guaranteed, but you may not be able to get it
> back quickly if you say get sacked just before the bank goes under.

To the $100K per bank FDIC limit, the money will ALWAYS be available within the
OP's "few weeks" criteria.

It is certainly safer than taking out a HE loan or drawing on a HELOC after
you're sacked! Not only do you increase your debt load, but you also have no
money with which to pay the mortgage!

== 6 of 13 ==
Date: Fri, Aug 22 2008 5:37 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?
>
> Almost everyone.

Here we go again... More total garbage...

== 7 of 13 ==
Date: Fri, Aug 22 2008 5:39 pm
From: "JR Weiss"

"Rod Speed" <rod.speed.aaa@gmail.com> wrote:

>> Fortunately the mortgage is my only debt. It breaks the rule some
>> advocate of keeping X weeks of income on hand as emergency savings,
>
> Its a completely stupid rule when you have that type of mortgage.

And what "type" is that? Since the OP didn't say what type mortgage he has,
your response is totally baseless and worthless.

== 8 of 13 ==
Date: Fri, Aug 22 2008 5:56 pm
From: clams_casino

timeOday wrote:

>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?
>
>

Keeping X weeks is probably best if one has no equity, but I always
figured my equity could be tapped if I ever needed it. Consequently, I
barely kept a few weeks quick cash & kept paying down mortgage. Even if
I needed to borrow against that equity, it would have been greater (and
safer) than if I was to save it elsewhere. Of course, that excess
equity should only be tapped if / when absolutely needed.

== 9 of 13 ==
Date: Fri, Aug 22 2008 7:08 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.

> Here we go again...

Just how many of you are there between those ears, child ?

> More total garbage...

Your sig is supposed to have -- on a line by itself in front of it, child.

== 10 of 13 ==
Date: Fri, Aug 22 2008 7:15 pm
From: "Rod Speed"

JR Weiss <jrweiss98155remove@remove.comcast.net> wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote

>>> 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.

>> The home equity loan makes a lot more sense, essentially because
>> the return is much better than on the CDs and its tax favored too.

> An HE loan makes no sense at all. An HE Line of Credit

Same thing, different words.

> is an idea that has merit, but only in limited cases.

What was being discussed was the situation he listed. Its fine for that.

>>> You can almost always find a bank with a relatively high teaser rate for new deposits and/or 12-18 month CDs.

>> But you could end up with a problem going that route if the bank goes bust.

>> Your money is fidc guaranteed, but you may not be able to get it
>> back quickly if you say get sacked just before the bank goes under.

> To the $100K per bank FDIC limit, the money will ALWAYS be available within the OP's "few weeks" criteria.

Wrong, as always. It can be longer than that.

> It is certainly safer than taking out a HE loan or drawing on a HELOC after you're sacked!

The first wasnt even proposed, fool.

> Not only do you increase your debt load, but you also have no money with which to pay the mortgage!

Wrong, as always. You just pay it using the line of credit, fuckwit.

== 11 of 13 ==
Date: Fri, Aug 22 2008 7:20 pm
From: "Rod Speed"

JR Weiss <jrweiss98155remove@remove.comcast.net> wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> timeOday <timeOday-UNSPAM@theknack.net> wrote
>>> 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.

>> No maybe about it.

>>> Fortunately the mortgage is my only debt. It breaks the rule some
>>> advocate of keeping X weeks of income on hand as emergency savings,

>> Its a completely stupid rule when you have that type of mortgage.

> And what "type" is that?

A HELOC, fuckwit.

> Since the OP didn't say what type mortgage he has,

That wasnt being discussed. What was being discussed was whether
there is any point in 'emergency savings' if you have a HELOC, fuckwit.

> your response is totally baseless and worthless.

Never ever could bullshit and lie its way out of a wet paper bag.

== 12 of 13 ==
Date: Fri, Aug 22 2008 7:44 pm
From: "JR Weiss"

"Rod Speed" <rod.speed.aaa@gmail.com> wrote
> A HELOC, fuckwit.
> That wasnt being discussed. What was being discussed was whether
> there is any point in 'emergency savings' if you have a HELOC, fuckwit. Never
> ever could bullshit and lie its way out of a wet paper bag.

Yet again, rodless admits total cluelessness by resorting to insult and
profanity...

== 13 of 13 ==
Date: Fri, Aug 22 2008 7:43 pm
From: "JR Weiss"

"Rod Speed" <rod.speed.aaa@gmail.com> wrote

>> An HE loan makes no sense at all. An HE Line of Credit
>
> Same thing, different words.

Nope. Different terms, different criteria, different rules...

>> is an idea that has merit, but only in limited cases.
>
> What was being discussed was the situation he listed. Its fine for that.

Nope. You have no idea how much the OP owes or how much he has saved. You have
no idea whether it would be even SANE for him, much less "fine"!

>> To the $100K per bank FDIC limit, the money will ALWAYS be available within
>> the OP's "few weeks" criteria.
>
> Wrong, as always. It can be longer than that.

Hasn't been, in recent history.

>> It is certainly safer than taking out a HE loan or drawing on a HELOC after
>> you're sacked!
>
> The first wasnt even proposed, fool.

That's EXACTLY the result of your "fine for that" proposal!

>> Not only do you increase your debt load, but you also have no money with
>> which to pay the mortgage!
>
> Wrong, as always. You just pay it using the line of credit, fuckwit.

I don't doubt that you can't see the insanity of attempting to pay off your
mortgage loan with money borrowed from your other mortgage loan... You deplete
the HE loan (i.e., second mortgage) money attempting to pay the mortgage, then
lose the house because you can't pay the HE mortgage!

==============================================================================
TOPIC: Value pick for the week: BPL
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/336301697917beb9?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Aug 22 2008 5:29 pm
From: "Rod Speed"

Cheapo Groovo <ccsj@nospam.com> wrote:
>> 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

Its always foolish to have it all in just one.

==============================================================================
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 6:04 pm
From: spam@nospam.org (Messiah Obama)

On Sat, 23 Aug 2008 10:08:53 +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.
>
>
She's back for another goosin'.

Goose, goose, goose.

Shame.

== 2 of 2 ==
Date: Fri, Aug 22 2008 7:06 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: 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 3 ==
Date: Fri, Aug 22 2008 6:59 pm
From: larry@nowhere.com (Larry)

http://www.cnn.com/2008/CRIME/08/22/obese.woman.ap/index.html

EDINBURG, Texas (AP) -- Prosecutors are trying to decide how to jail and
bring to court a nearly half-ton, bedridden woman accused of killing her
2-year-old nephew.

A grand jury indicted Mayra Lizbeth Rosales, 27, on Thursday on one count
of first-degree murder and on one count of injury to a child in the death
of Eliseo Gonzalez Jr. She previously had been charged with capital murder.

Rosales weighs nearly 1,000 pounds and cannot fit through a door to leave
her home, leaving prosecutors wondering how to bring her to court. As of
Thursday evening, she was not in custody.

Hidalgo County Sheriff Lupe Trevino said that holding her at the county
jail for her trial would be impossible because she needs extensive medical
care.

"She would die," Trevino said in Thursday's online edition of The Monitor
in McAllen.

The grand jury indicted Rosales after an autopsy confirmed investigators'
suspicions that the child died March 18 because he had been struck.
Investigators believe that the toddler was struck at least twice, crushing
his head.

Authorities recommended that Rosales' bail be set at $150,000.

The boy's mother, Jaime Rosales, was charged with injury to a child because
she is accused of leaving her son alone with his aunt. Her bail has been
set at $100,000.

== 2 of 3 ==
Date: Fri, Aug 22 2008 7:12 pm
From: lisajoe@privacy.net

On 23 Aug 2008 01:59:44 -0000, in misc.consumers.frugal-living larry@nowhere.com
(Larry) wrote:

>http://www.cnn.com/2008/CRIME/08/22/obese.woman.ap/index.html
>
>EDINBURG, Texas (AP) -- Prosecutors are trying to decide how to jail and
>bring to court a nearly half-ton, bedridden woman accused of killing her
>2-year-old nephew.
>
>A grand jury indicted Mayra Lizbeth Rosales, 27, on Thursday on one count
>of first-degree murder and on one count of injury to a child in the death
>of Eliseo Gonzalez Jr. She previously had been charged with capital murder.
>
>Rosales weighs nearly 1,000 pounds and cannot fit through a door to leave
>her home, leaving prosecutors wondering how to bring her to court. As of
>Thursday evening, she was not in custody.
>
>Hidalgo County Sheriff Lupe Trevino said that holding her at the county
>jail for her trial would be impossible because she needs extensive medical
>care.
>
>"She would die," Trevino said in Thursday's online edition of The Monitor
>in McAllen.
>
>The grand jury indicted Rosales after an autopsy confirmed investigators'
>suspicions that the child died March 18 because he had been struck.
>Investigators believe that the toddler was struck at least twice, crushing
>his head.
>
>Authorities recommended that Rosales' bail be set at $150,000.
>
>The boy's mother, Jaime Rosales, was charged with injury to a child because
>she is accused of leaving her son alone with his aunt. Her bail has been
>set at $100,000.

I bet the pig needs a c-pap machine.

== 3 of 3 ==
Date: Fri, Aug 22 2008 7:41 pm
From: Sydney Gondomer

On Fri, 22 Aug 2008 19:12:26 -0700, lisajoe@privacy.net wrote:

>On 23 Aug 2008 01:59:44 -0000, in misc.consumers.frugal-living larry@nowhere.com
>(Larry) wrote:
>
>>http://www.cnn.com/2008/CRIME/08/22/obese.woman.ap/index.html
>>
>>EDINBURG, Texas (AP) -- Prosecutors are trying to decide how to jail and
>>bring to court a nearly half-ton, bedridden woman accused of killing her
>>2-year-old nephew.
>>
>>A grand jury indicted Mayra Lizbeth Rosales, 27, on Thursday on one count
>>of first-degree murder and on one count of injury to a child in the death
>>of Eliseo Gonzalez Jr. She previously had been charged with capital murder.
>>
>>Rosales weighs nearly 1,000 pounds and cannot fit through a door to leave
>>her home, leaving prosecutors wondering how to bring her to court. As of
>>Thursday evening, she was not in custody.
>>
>>Hidalgo County Sheriff Lupe Trevino said that holding her at the county
>>jail for her trial would be impossible because she needs extensive medical
>>care.
>>
>>"She would die," Trevino said in Thursday's online edition of The Monitor
>>in McAllen.
>>
>>The grand jury indicted Rosales after an autopsy confirmed investigators'
>>suspicions that the child died March 18 because he had been struck.
>>Investigators believe that the toddler was struck at least twice, crushing
>>his head.
>>
>>Authorities recommended that Rosales' bail be set at $150,000.
>>
>>The boy's mother, Jaime Rosales, was charged with injury to a child because
>>she is accused of leaving her son alone with his aunt. Her bail has been
>>set at $100,000.
>
>
>I bet the pig needs a c-pap machine.

Hehe! That and a hell of a lot more. I don't believe this story
though. I have never heard of any human weighing that much. five
hundred to seven hundred yes, but not nine hundred and up.

==============================================================================
TOPIC: "Are Teachers Overpaid?" by Mr. Tamim Ansary
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bc0959f836a427e3?hl=en
==============================================================================

== 1 of 3 ==
Date: Fri, Aug 22 2008 7:08 pm
From: Ken Lay

In article <KEqrk.401$p72.165@trnddc05>,
"AllEmailDeletedImmediately" <derjda@hotmail.com> wrote:

> but the unions are fighting voucher because they know that their
> crappy teachers will be out of a job and then the union dues will dry
> up and their high and mighty leaders might have to come back and rut
> in the mud.

And then all the crappy teachers will come out of the churches and
various religious cults. Great idea. Who needs public schools when the
religious are so good at raping their own kids' minds and bodies.
--
Everybody lies. George W. Bush and Dick Cheney just suck at it.

== 2 of 3 ==
Date: Fri, Aug 22 2008 7:09 pm
From: Ken Lay

In article <4Dqrk.400$p72.348@trnddc05>,
"AllEmailDeletedImmediately" <derjda@hotmail.com> wrote:

> and the school board in many places where i've lived isn't elected by
> the parents, but by the voting public; not the same thing.

Right, so parents don't get to vote in your town. Move, then. Love it or
leave it. You know, like at your church.
--
Everybody lies. George W. Bush and Dick Cheney just suck at it.

== 3 of 3 ==
Date: Fri, Aug 22 2008 7:10 pm
From: Ken Lay

In article <6Cqrk.399$p72.258@trnddc05>,
"AllEmailDeletedImmediately" <derjda@hotmail.com> wrote:

> the unions hold them hostage with threats of walkouts. and then
> they walk out. has happened all over the country. imo, teachers are
> overpaid. just look at the crap they put out, and then, because of
> the unions, they can't be fired. i remember one case where the union
> actually fought to keep some sort of sex offender as a teacher.
> don't remember the outcome, but it proves the point.

That's not the only thing you don't remember. You forgot how to tell the
truth.
--
Everybody lies. George W. Bush and Dick Cheney just suck at it.

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TOPIC: My idea of frugal living with green fitness
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8faf3a507b4f1d57?hl=en
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== 1 of 1 ==
Date: Fri, Aug 22 2008 7:59 pm
From: briant97

On Aug 22, 7:03 pm, Seerialmom <seerial...@yahoo.com> wrote:
> 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

I am not on a green bandwagon. This is true and from the heart and
frugal living I agree with would be finding a bike that can be
recycled however finding a decent communter bike that is recycled
would be hard to do. I am a member of the freecycle community in my
town and I hardly every see any bicycles given up. If they are any
good they are quickly picked up quickly. It also would not be a lot
of garbage tossed out as it could be recycled and turned into green
products. Good thing is I asked for suggestions and I will be taking
yours to heart. Which recycling I feel is being green as well as
frugal because you are just tossing out the trash you are making some
money back for you efforts.

==============================================================================
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
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== 1 of 1 ==
Date: Fri, Aug 22 2008 8:21 pm
From: phil scott

On Aug 22, 2:00 pm, "Jon von Leip...@mayday.com"
<JonLeip...@myway.com> wrote:
> 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)

an accurate assessment.... and that goes on even over the violent
protests of the people.

The historical solution has been a total collapse of the working
class, then due to insufficient tax base to fund
military operations and govt, collapse of govt... the markers of
this final stage are well known. Importing slave labor, as the
currency is debased and wars are begun to seize the assets of other
nations.

Such wars generate enemies on a 360 degree perimeter and incite those
brough in to do the heavy labor to viiolence... such attack is not
remotely defensible... the nation collapses.

The reboot cycle used to take 2 or 3 generations, in the past hundred
years, its down to a generation or so.
These are not to be confused with the more comon depression cycles...
these are national life cycles (at approx 5 generations, the last one
having become terminally corrupt).

Phil scott

==============================================================================
TOPIC: free download absolutely free photos
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3b2afc7b17b4bdfb?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Aug 22 2008 8:34 pm
From: mcaani02@gmail.com

http://www.hollywoodstarvideos.blogspot.com/
http://www.earnpoundss.blogspot.com/
http://www.hollywoodphotoss.blogspot.com/
http://www.onidamobiles.blogspot.com/

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Friday, August 22, 2008

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