Frugal Living: 20 new messages in 7 topics

Saturday, September 13, 2008

20 new messages in 7 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

* Surviving a bear attack - 10 messages, 7 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6fc0d7e660741dbe?hl=en
* CVS Pharmacist calls customer a "Fucking AIDS freak" - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5f6c5d62367cf192?hl=en
* Florida Homeowners Insurance - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3234019fd7de028f?hl=en
* CFL specs: "SBCFL" Floodlights? - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23d861342cf79cfd?hl=en
* Eddie Huntington Cvrcko upgrades Iphone - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8348c7a28cac7a6?hl=en
* Marko Vukovic wants it - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0052a8687a3f72f4?hl=en
* Wonderful!!!!good news!!! Newest NIKE shoes 8-35USD at www.ciciaaa.cn - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9d4f5f445a5402b6?hl=en

==============================================================================
TOPIC: Surviving a bear attack
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6fc0d7e660741dbe?hl=en
==============================================================================

== 1 of 10 ==
Date: Fri, Sep 12 2008 11:21 am
From: hchickpea@hotmail.com

On Fri, 12 Sep 2008 05:35:03 -0700 (PDT), ultimauw@hotmail.com wrote:

>http://www.youtube.com/watch?v=twgg-fFsZ58&feature=user
>
>
> Lay down on your stomach, put your hands over the back of your neck,
>and play dead.
>You may be swiped a few times before the bear moves away and be
>bruised and bloodied,
>but you will come out alive.

Should I do that before or after I pull out my 38 and shoot the
fucker?

== 2 of 10 ==
Date: Fri, Sep 12 2008 11:06 am
From: zekfrivo@zekfrivolous.com (GregS)

In article <umclc4pljh1pmdq7qfmtaanhq2dcgbtllm@4ax.com>, hchickpea@hotmail.com wrote:
>On Fri, 12 Sep 2008 05:35:03 -0700 (PDT), ultimauw@hotmail.com wrote:
>
>>http://www.youtube.com/watch?v=twgg-fFsZ58&feature=user
>>
>>
>> Lay down on your stomach, put your hands over the back of your neck,
>>and play dead.
>>You may be swiped a few times before the bear moves away and be
>>bruised and bloodied,
>>but you will come out alive.
>
>Should I do that before or after I pull out my 38 and shoot the
>fucker?

I was thinking of the fourth option.

== 3 of 10 ==
Date: Fri, Sep 12 2008 11:21 am
From: curly'q

Frank wrote:
> <ultimauw@hotmail.com> wrote in message
> news:b9e8c690-e655-4d19-a91c-b6e669b27d14@c22g2000prc.googlegroups.com...
>> http://www.youtube.com/watch?v=twgg-fFsZ58&feature=user
>>
>>
>> Lay down on your stomach, put your hands over the back of your neck,
>> and play dead.
>> You may be swiped a few times before the bear moves away and be
>> bruised and bloodied,
>> but you will come out alive.
>>
>
> Sounds like strategy for surviving the bear market as well!
>
>
>

Indeed. :-)

Curly

== 4 of 10 ==
Date: Fri, Sep 12 2008 11:21 am
From: zekfrivo@zekfrivolous.com (GregS)

In article <gaeb3c$c9j$2@usenet01.srv.cis.pitt.edu>, zekfrivo@zekfrivolous.com (GregS) wrote:
>In article <umclc4pljh1pmdq7qfmtaanhq2dcgbtllm@4ax.com>, hchickpea@hotmail.com
> wrote:
>>On Fri, 12 Sep 2008 05:35:03 -0700 (PDT), ultimauw@hotmail.com wrote:
>>
>>>http://www.youtube.com/watch?v=twgg-fFsZ58&feature=user
>>>
>>>
>>> Lay down on your stomach, put your hands over the back of your neck,
>>>and play dead.
>>>You may be swiped a few times before the bear moves away and be
>>>bruised and bloodied,
>>>but you will come out alive.
>>
>>Should I do that before or after I pull out my 38 and shoot the
>>fucker?
>
>I was thinking of the fourth option.

There is also a fifth option which John Belushi learned in Continental Divide
shout at the bear, go on get out of here.

greg

== 5 of 10 ==
Date: Fri, Sep 12 2008 12:02 pm
From: Kid Mustang

On 09/12/08 11:21, hchickpea@hotmail.com wrote:
>
> Should I do that before or after I pull out my 38 and shoot the
> fucker?

Will a 38 stop a bear? I doubt it would do more
than piss off a grizzly. Now the loud sound,
flash & smoke may do more. Maybe carry around an
umbrella and open & close it quickly in it's
direction. Especially if it had a picture of
Hillary Clinton on it. ;-)

== 6 of 10 ==
Date: Fri, Sep 12 2008 12:36 pm
From: "Tom Biasi"

"Vic Smith" <thismailautodeleted@comcast.net> wrote in message
news:juokc45hitr0k5ntn71rvethng5h5pial9@4ax.com...
> On Fri, 12 Sep 2008 05:39:59 -0700 (PDT), ultimauw@hotmail.com wrote:
>
>>Never startle or surprise a grizzly
>>
> Wear small bells that allow the grizzly to hear you approach.
> This will prevent you from surprising them.
> Carry pepper spray to attempt to ward off grizzlies.
> Know the signs of bears to be aware of their presence.
> Black bear droppings usually contain berries or seeds.
> Grizzly bear droppings will contain small bells and smell like pepper.
>
> --Vic
>
Old but still good.

== 7 of 10 ==
Date: Fri, Sep 12 2008 1:50 pm
From: hchickpea@hotmail.com

On Fri, 12 Sep 2008 12:02:18 -0700, Kid Mustang
<kidmustang7@netscape.com> wrote:

>On 09/12/08 11:21, hchickpea@hotmail.com wrote:
>>
>> Should I do that before or after I pull out my 38 and shoot the
>> fucker?
>
>Will a 38 stop a bear? I doubt it would do more
>than piss off a grizzly. Now the loud sound,
>flash & smoke may do more.

Never seen the results of six hollowpoint shots at close range, huh?

Tell ya what, we'll get three bears. You take on the mama bear or
papa bear, your choice. You flash your umbrella picture of any
politician (other than Cheney, because the bear will pee himself
laughing that Cheney will shoot his friends instead of the game), the
OP can lie on the ground and play dead with the baby bear, and I'll
have my revolver. Any loser left alive buys the beer to go with my
bear meat stew.

== 8 of 10 ==
Date: Fri, Sep 12 2008 1:06 pm
From: Kid Mustang

On 09/12/08 13:50, hchickpea@hotmail.com wrote:
> On Fri, 12 Sep 2008 12:02:18 -0700, Kid Mustang
> <kidmustang7@netscape.com> wrote:
>
>> On 09/12/08 11:21, hchickpea@hotmail.com wrote:
>>> Should I do that before or after I pull out my 38 and shoot the
>>> fucker?
>> Will a 38 stop a bear? I doubt it would do more
>> than piss off a grizzly. Now the loud sound,
>> flash & smoke may do more.
>
> Never seen the results of six hollowpoint shots at close range, huh?
>
> Tell ya what, we'll get three bears. You take on the mama bear or
> papa bear, your choice. You flash your umbrella picture of any
> politician (other than Cheney, because the bear will pee himself
> laughing that Cheney will shoot his friends instead of the game), the
> OP can lie on the ground and play dead with the baby bear, and I'll
> have my revolver. Any loser left alive buys the beer to go with my
> bear meat stew.

Nope, never have but it sounds nasty. I think
I'll pass on the bet.

== 9 of 10 ==
Date: Fri, Sep 12 2008 7:09 pm
From: Dennis

On Fri, 12 Sep 2008 14:50:23 -0600, hchickpea@hotmail.com wrote:

>On Fri, 12 Sep 2008 12:02:18 -0700, Kid Mustang
><kidmustang7@netscape.com> wrote:
>
>>On 09/12/08 11:21, hchickpea@hotmail.com wrote:
>>>
>>> Should I do that before or after I pull out my 38 and shoot the
>>> fucker?
>>
>>Will a 38 stop a bear? I doubt it would do more
>>than piss off a grizzly. Now the loud sound,
>>flash & smoke may do more.
>
>Never seen the results of six hollowpoint shots at close range, huh?
>
>Tell ya what, we'll get three bears. You take on the mama bear or
>papa bear, your choice. You flash your umbrella picture of any
>politician (other than Cheney, because the bear will pee himself
>laughing that Cheney will shoot his friends instead of the game), the
>OP can lie on the ground and play dead with the baby bear, and I'll
>have my revolver. Any loser left alive buys the beer to go with my
>bear meat stew.

I always figured a bear would never catch me -- he'd never get
traction in the trail of shit.

Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally

== 10 of 10 ==
Date: Fri, Sep 12 2008 8:52 pm
From: "dale_peterson"

<ultimauw@hotmail.com> wrote in message
news:b9e8c690-e655-4d19-a91c-b6e669b27d14@c22g2000prc.googlegroups.com...
> http://www.youtube.com/watch?v=twgg-fFsZ58&feature=user
>
>
> Lay down on your stomach, put your hands over the back of your neck,
> and play dead.
> You may be swiped a few times before the bear moves away and be
> bruised and bloodied,
> but you will come out alive.

Have read that a Brown or Grizzly may react as you have said above. Have
also heard stuff like a Black Bear figures anything smaller then them is
food. Laying down for a Black Bear may simply offer the bear an easy buffet
lunch.
Dale P........ In the Eastern Sierra/Nevada

==============================================================================
TOPIC: CVS Pharmacist calls customer a "Fucking AIDS freak"
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5f6c5d62367cf192?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Sep 12 2008 11:02 am
From: richgr@panix.com (Rich Greenberg)

In article <K6jyk.856$Dj1.719@trnddc02>,
Martha Adams <mhada@verizon.net> wrote:

[...]

>Anybody want to guess if this fellow is a Republican?

Probably not. Just an idiot.

--
Rich Greenberg N Ft Myers, FL, USA richgr atsign panix.com + 1 239 543 1353
Eastern time. N6LRT I speak for myself & my dogs only. VM'er since CP-67
Canines:Val, Red, Shasta & Casey (RIP), Red & Zero, Siberians Owner:Chinook-L
Retired at the beach Asst Owner:Sibernet-L

== 2 of 2 ==
Date: Fri, Sep 12 2008 1:04 pm
From: SMS

Shawn Hirn wrote:
> In article <48c96191.9220833@amsterdam.newsgroups-download.com>,
> chief_thracian@yahoo.com (Chief Thracian) wrote:
>
>> On Wed, 10 Sep 2008 22:25:19 -0700 (PDT), ultimauw@hotmail.com wrote:
>>
>>> There's no real great way to wrap up this report. I guess the
>>> great lesson is, people can still be complete douchebags, and
>>> sometimes there's nothing you can do about it.<snip>
>> Bring your complaint to an appropriate AIDS and/or LGBT legal advice
>> service. Fight back for those who no longer can, as well as for
>> yourself, and your partner.
>
> If I was this person, I would complain in writing to CVS' CEO. Go right
> to the top. The last thing a CEO wants to see is is company getting a
> bad reputation because that hurts the bottom line.

My area's been blessed with no CVS stores, but alas they are in the
process of buying out an excellent local chain, Longs, that they will no
doubt destroy. Everyone seems to love Longs. They tend to have great
employees, and the store managers have a lot of leeway in product mix.
One has a huge fishing department. One sells higher end bicycle tools
and accessories.

I'll never forget being in a K-Mart, many years ago, and the I was
telling the cashier something about Longs and she told me "oh, it's my
life dream to work at Longs but I couldn't pass the math test."

Anyway, as soon as CVS takes over, that's one more store I won't go to.

==============================================================================
TOPIC: Florida Homeowners Insurance
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3234019fd7de028f?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Sep 12 2008 11:15 am
From: "ares"

I don't know if this topic's been posted before but I would be interested to
see what was said. But my homeowner's insurance
is proposed to be $6700 roughly this year, which is a huge amount of money
to me. If I can eliminate the 'hurricane' portion of it, I believe it can
be reduced by $3300. And I am hearing that the 'hurricane' portion of it
actually includes any wind driven damage, so it's not just hurricanes as
named on the news. Well, the deductible for such hurricane insurance is
$22000. I live in an area where we haven't had anything close to a
hurricane in the 35 years I've lived here, and never any weather driven
damages. And should there be a storm, it would likely be a mild to
moderate one, and if there is damage, it is most likely to come to less than
the $22000 deductible, I would imagine, unless I got real unlucky.

Well, the other thing is that they have estimated my replacement cost almost
$500,000. This is really close to the market value of my home. And that
doesn't account for the fact that my lot is over 2 acres in a hot area, and
has considerable value, perhaps 1/5 that amount. AND they say the personal
property coverage is for $240,000. I have NOWHERE NEAR that amount of
stuff. So, they say that the personal property is considered as a percent
of the home value. To me this means I am paying to insure things I don't
have. And what about if there is a loss.... if I am paying to insure
$240,000 of property, how would I ever collect $240,000 if I never had that
much? This all makes me take their coverage as stated, less seriously.
I never had the chance to really look this policy over and think about it
before, but these things don't make sense to me, as the buyer of such
policy. Oh, and another thing is that my house is way too large, and should
the whole thing get knocked down in a storm, I would not want to make this
home so large again. Yet they are saying they HAVE TO insure me for
replacement cost, and supposedly no other insurance company would do so for
less either. Can someone make sense of this all for me? I am just
considering dropping the hurricane insurance and putting the savings aside
for myself just in case. And heck, the roof will need replacing eventually
anyway.......
ares

== 2 of 2 ==
Date: Fri, Sep 12 2008 12:41 pm
From: hchickpea@hotmail.com

Heh. One of my reasons for leaving Florida.
If you own outright, without a mortgage, I guess you could try to get
a fire only policy and a personal liability policy. If you have a
mortgage, the mortgage docs undoubtedly require your maintaining
insurance.

Simply put, I refuse to pay anywhere near that amount in a Ponzi
pawnsie game, where I stand a minimal chance of collecting and an even
smaller chance of being treated fairly if I do collect. The "sense"
that you need is the sense to beat them at their own game. Sell the
property, reduce your exposure by buying a smaller place and invest
the difference. You'll pay less taxes, lower insurance, lower power
bills, and be in a stronger position. If a hurricane comes, you can
wait out the rush of repairs and contractor scams and take a vacation,
or park a travel trailer on your property while repairs are made.

Or you could do like we did, move out of the state and drop property
tax and insurance to 1/4 of the amount we were paying.

On Fri, 12 Sep 2008 18:15:06 GMT, "ares" <ares@verizon.net> wrote:

>I don't know if this topic's been posted before but I would be interested to
>see what was said. But my homeowner's insurance
>is proposed to be $6700 roughly this year, which is a huge amount of money
>to me. If I can eliminate the 'hurricane' portion of it, I believe it can
>be reduced by $3300. And I am hearing that the 'hurricane' portion of it
>actually includes any wind driven damage, so it's not just hurricanes as
>named on the news. Well, the deductible for such hurricane insurance is
>$22000. I live in an area where we haven't had anything close to a
>hurricane in the 35 years I've lived here, and never any weather driven
>damages. And should there be a storm, it would likely be a mild to
>moderate one, and if there is damage, it is most likely to come to less than
>the $22000 deductible, I would imagine, unless I got real unlucky.
>
>Well, the other thing is that they have estimated my replacement cost almost
>$500,000. This is really close to the market value of my home. And that
>doesn't account for the fact that my lot is over 2 acres in a hot area, and
>has considerable value, perhaps 1/5 that amount. AND they say the personal
>property coverage is for $240,000. I have NOWHERE NEAR that amount of
>stuff. So, they say that the personal property is considered as a percent
>of the home value. To me this means I am paying to insure things I don't
>have. And what about if there is a loss.... if I am paying to insure
>$240,000 of property, how would I ever collect $240,000 if I never had that
>much? This all makes me take their coverage as stated, less seriously.
> I never had the chance to really look this policy over and think about it
>before, but these things don't make sense to me, as the buyer of such
>policy. Oh, and another thing is that my house is way too large, and should
>the whole thing get knocked down in a storm, I would not want to make this
>home so large again. Yet they are saying they HAVE TO insure me for
>replacement cost, and supposedly no other insurance company would do so for
>less either. Can someone make sense of this all for me? I am just
>considering dropping the hurricane insurance and putting the savings aside
>for myself just in case. And heck, the roof will need replacing eventually
>anyway.......
>ares
>

==============================================================================
TOPIC: CFL specs: "SBCFL" Floodlights?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/23d861342cf79cfd?hl=en
==============================================================================

== 1 of 3 ==
Date: Fri, Sep 12 2008 3:29 pm
From: "JR Weiss"

Today I replaced an outside floodlight fixture with IR and motion sensors. I
got one that specifically said on the outside of the box that it was compatible
with CFL bulbs. In the spec sheet, however, it specifies "SBCFL" bulbs of max
30 watts each.

So, what is "SBCFL"? Do I have to look for something specific on the package?

Also, this fixture has an option of running the bulbs at "half brightness" for
specified periods. Assuming I can find dimmable CFL floods, are there any
cautions with their use?

== 2 of 3 ==
Date: Fri, Sep 12 2008 4:13 pm
From: "Dave"

"JR Weiss" <jrweiss98155remove@remove.comcast.net> wrote in message
news:TuqdnXECJZf7cFfVnZ2dnUVZ_rHinZ2d@comcast.com...
> Today I replaced an outside floodlight fixture with IR and motion sensors.
> I got one that specifically said on the outside of the box that it was
> compatible with CFL bulbs. In the spec sheet, however, it specifies
> "SBCFL" bulbs of max 30 watts each.
>
> So, what is "SBCFL"? Do I have to look for something specific on the
> package?

Self-ballasted. Kind of redundant, as all COMPACT (the "C" in CFL)
fluorescents are self-ballasted. No, you don't need to look for anything
specific on the package. Main thing is to make sure that the actual power
draw is 30W or less (though the light output rating will probably be listed
as much higher, like 80W or something) and that the CFL has the same type of
base (the screw part) that your fixture is compatible with.

> Also, this fixture has an option of running the bulbs at "half brightness"
> for specified periods. Assuming I can find dimmable CFL floods, are there
> any cautions with their use?

OK, don't know if dimmable CFL floods exist. I'd be surprised if they do.

I'd suggest that you NOT use the half brightness feature for CFL floods.
First, you have nothing to gain by doing so. CFL floods are not as bright
as other floods to begin with. So they are about "half brightness" right
out of the box*. If a dimmable version of a CFL flood existed, I'd have to
ask WHY?!? Also, the only reason to run the flood at half brightness would
be to save energy. But you are saving better than 50% of electricity just
by using CFL floods. (assuming you are willing to put up with decreased
brightness, see below)

Also, the ballast in the self-ballast CFL flood will require full voltage to
work properly. If you reduce the input voltage to the CFL flood (by using
the "half brightness" setting), one of two things will likely happen:
1) Nothing (the bulb won't light)
2) Bulb will light, but lifetime of the CFL flood bulb will be GREATLY
reduced

* CFL bulbs (including CFL floods) are rated according to their
incandescent equivalent, but those ratings are greatly optimistic. For
example, if you get a "100W" CFL that uses 27W of power, the light output
would be roughly equivalent to a 50W or 60W incandescent bulb, but the CFL
manufacturers want you to believe that it is a good replacement for a 100W
incandescent. To truly get 100W incandescent brightness, you might need a
"150W" or more RATED CFL, which might draw 50W or more of actual power. So
in the end, you might be wondering if it's even worth it to pay extra for
the CFL? I mean, if you get equivalent brightness, you really aren't saving
all that much, in terms of electricity usage or money. I prefer CFL for
other reasons though. I've had CFLs last for several years while similar
incandescent bulbs are doing pretty good to last for several weeks. Some of
my floodlights are mounted about 20' off the ground on the side of my house
(very hard to reach, even with a ladder). Not to mention the ordinary
indoor fixture at the top of the stairwell where NO ladder can reach,
easily. In these locations, having a bulb last several years is a GOOD
thing, and the slight energy savings is just an added bonus.

== 3 of 3 ==
Date: Fri, Sep 12 2008 4:33 pm
From: "JR Weiss"

"Dave" <noway@nohow.not> wrote...
>
>> So, what is "SBCFL"? Do I have to look for something specific on the
>> package?
>
> Self-ballasted. Kind of redundant, as all COMPACT (the "C" in CFL)
> fluorescents are self-ballasted. No, you don't need to look for anything
> specific on the package.

Thanks!

> OK, don't know if dimmable CFL floods exist. I'd be surprised if they do.

"Dimmable" CFLs exist, but I've only used a couple of them to avoid having to
replace dimmer switches already installed. As you noted below, they didn't last
very long, now that you mention it...

> I'd suggest that you NOT use the half brightness feature for CFL floods.
. . .

> Also, the ballast in the self-ballast CFL flood will require full voltage to
> work properly. If you reduce the input voltage to the CFL flood (by using the
> "half brightness" setting), one of two things will likely happen:
. . .
> 2) Bulb will light, but lifetime of the CFL flood bulb will be GREATLY
> reduced

OK. Thanks for the info.

==============================================================================
TOPIC: Eddie Huntington Cvrcko upgrades Iphone
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8348c7a28cac7a6?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Sep 12 2008 4:09 pm
From: Eddie Huntington Cvrcko

Eddie Huntington Cvrcko

Apple Inc. updated the software that runs its iPhones on Friday in
hopes of decreasing dropped calls, improving battery life and cutting
the time it takes to synchronize the device with a computer.
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Apple also said the new update "improved accuracy of the 3G signal
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20 new messages in 7 topics - digest

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