Tuesday, October 28, 2008

25 new messages in 11 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:

* Where are YOU cutting back? - 6 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a47415e5933d30b8?hl=en
* I think I'm throwing in the towel - house reappraisal - 4 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e3e20997903e48b2?hl=en
* Maximizing Welfare - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9949fc83cc11aec3?hl=en
* How big is your entertainment budget? - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3c6aa20660c0230b?hl=en
* How to make money easily through online. - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f2535e65ea9c733f?hl=en
* vacuum cleaner new - bletherings on consumer chauvinism - 3 messages, 2
authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2e8cc394cc50a344?hl=en
* Democrats sexy meltdown - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1a6dddafe8fb271f?hl=en
* Stagflation ...the next big thang...and a cure of sorts - 2 messages, 2
authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/619c01ee4664afb1?hl=en
* Cheap eBay CCTV Security System Installation - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f8239fd18f1e254f?hl=en
* Smallest Houses Ever? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1e9f74832b10815e?hl=en
* how to get your money back on any product that fails - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cf36a607cf5a61cd?hl=en

==============================================================================
TOPIC: Where are YOU cutting back?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a47415e5933d30b8?hl=en
==============================================================================

== 1 of 6 ==
Date: Tues, Oct 28 2008 8:23 am
From: Charlie Self


On Oct 26, 2:20 am, FlexUP! wrote:
> On Sat, 25 Oct 2008 13:21:22 -0500, Ignoramus3071
>
> <ignoramus3...@NOSPAM.3071.invalid> wrote:
> >I now use both sides of toilet paper
>
> I took free yoga classes at our local library, until I was limber enough to
> lick my own butt.  The taste is nasty, but I save $42 per year in toilet
> paper.

And think of what you save on snacks.

== 2 of 6 ==
Date: Tues, Oct 28 2008 12:23 pm
From: Too_Many_Tools


On Oct 25, 4:02 pm, F. George McDuffee <gmcduf...@mcduffee-
associates.us> wrote:
> On Sat, 25 Oct 2008 08:57:15 -0700 (PDT), Too_Many_Tools
>
> <too_many_to...@yahoo.com> wrote:
> >In tough times consumers tend to cut back...so where are you cutting
> >back, reprioritizing resources, whatever to make that dollar go
> >farther?
>
> >I am also posting this in the metal and wood working groups to hear
> >how those who pursue the hobby are allotting their resources.
>
> >Thanks
>
> >TMT
>
> ==========
> Most of the posters to both RCM and AMC tend to be prudent and
> frugal consumers [translastion real cheapscrews] so you may not
> see much change here.  
>
> Unka' George [George McDuffee]
> -------------------------------------------
> He that will not apply new remedies,
> must expect new evils:
> for Time is the greatest innovator: and
> if Time, of course, alter things to the worse,
> and wisdom and counsel shall not alter them to the better,
> what shall be the end?
>
> Francis Bacon (1561-1626), English philosopher, essayist, statesman.
> Essays, "Of Innovations" (1597-1625).

I know that most posters to these groups are ..err...value oriented
folks..;<)...so I figured it made sense to ask the "experts".

TMT

== 3 of 6 ==
Date: Tues, Oct 28 2008 12:27 pm
From: Too_Many_Tools


On Oct 25, 8:22 pm, jo4hn <jo...@mahalo.charter.net> wrote:
> Too_Many_Tools wrote:
> > In tough times consumers tend to cut back...so where are you cutting
> > back, reprioritizing resources, whatever to make that dollar go
> > farther?
>
> > I am also posting this in the metal and wood working groups to hear
> > how those who pursue the hobby are allotting their resources.
>
> > Thanks
>
> > TMT
>
> Query: Are you selling some of those excess tools you apparently have?
>         mahalo,
>         jo4hn

Nope...times are that TOUGH yet. ;<)

TMT

== 4 of 6 ==
Date: Tues, Oct 28 2008 12:28 pm
From: Too_Many_Tools


On Oct 25, 8:22 pm, jo4hn <jo...@mahalo.charter.net> wrote:
> Too_Many_Tools wrote:
> > In tough times consumers tend to cut back...so where are you cutting
> > back, reprioritizing resources, whatever to make that dollar go
> > farther?
>
> > I am also posting this in the metal and wood working groups to hear
> > how those who pursue the hobby are allotting their resources.
>
> > Thanks
>
> > TMT
>
> Query: Are you selling some of those excess tools you apparently have?
>         mahalo,
>         jo4hn

And I should note that used machine supplies have other uses too...why
that used sandpaper works just fine in the bathroom. ;<)

TMT

== 5 of 6 ==
Date: Tues, Oct 28 2008 12:44 pm
From: Too_Many_Tools


On Oct 25, 5:54 pm, Jim Stewart <jstew...@jkmicro.com> wrote:
> Ignoramus3071 wrote:
> > I now use both sides of toilet paper
>
> Another Russian joke?

Likely another Russian reality.

TMT

== 6 of 6 ==
Date: Tues, Oct 28 2008 12:47 pm
From: Too_Many_Tools


On Oct 25, 5:24 pm, "Buddy Matlosz" <amatl...@optonline.net> wrote:
> In your case, you can downsize to Just_Enough_Tools.
>
> B.
>
> "Too_Many_Tools" <too_many_to...@yahoo.com> wrote in message
>
> news:68bba63c-348a-4da5-a10c-26d31e952c5b@l64g2000hse.googlegroups.com...
>
>
>
> > In tough times consumers tend to cut back...so where are you cutting
> > back, reprioritizing resources, whatever to make that dollar go
> > farther?
>
> > I am also posting this in the metal and wood working groups to hear
> > how those who pursue the hobby are allotting their resources.
>
> > Thanks
>
> > TMT- Hide quoted text -
>
> - Show quoted text -

Things would have to get REALLY bad for me to sell some of my
toys..err..I mean my tools. ;<)

On the subject of tools, has anyone seen nice tools surfacing on the
used market?

I can't say that I have seen anything of significance ..yet.

Houses, cars, boats, rvs...yes...but the real neat stuff like
tools...nothing much.

TMT


==============================================================================
TOPIC: I think I'm throwing in the towel - house reappraisal
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e3e20997903e48b2?hl=en
==============================================================================

== 1 of 4 ==
Date: Tues, Oct 28 2008 9:14 am
From: phil scott


On Oct 26, 2:01 pm, "Bob F" <bobnos...@gmail.com> wrote:
> "phil scott" <p...@philscott.net> wrote in message
>
> news:925bb396-c08c-4751-b83f-101448e8e9d8@d10g2000pra.googlegroups.com...
>
> on the view issue.... in New hampshire starting a couple of  years ago
> is the 'view tax factor'... one guys taxes went from $500 a year to
> $3500.. because he had a killer view... so he got a 'view assessement
> factor of 7'
>
> that is 7x the assessment if it had no view.
>
> this mess wont stop until bloated govt has eaten the tax payers alive
> and the tax base collapses entirely.... meantime cops are retiring at
> 100,000 to 1150,000 a year or more...
>
> Cops retiring on 1150,000 per year? Where?

thats $150,000 a year iin some but not all cases... some higher, some
lower. Many in the $120,000 year range... from a base retirement of
about 80 or 90,000. it gets pumped up by means of a practice called
'spiking' thats because since approx the year 2000 retirement is based
on the last years pay... so other officers take sick time off, so the
last year guys get to work double or triple time hours in their last
year, running that income up dramatically, then they retire at 90% of
that in california...in New York City its 100%.. this has been
reported in the SF Chronicle, LA times, and Marin County Journal that
I am aware of... the unions involved do their best to stifle any
reports on this matter...so you you dont see much about it. It was
also covered in the Vallejo city bankrupcy this year. (80% of city
budget went to police and fire, about half of that to pay retirement
obligations for police and fire).

the numbers vary but thats the general picture.. The SF chronicle
story named several of the employees involved, a green card hospital
security guard retiring at 158,000 a year (done by working 16 hours a
day in his last year and saving sick days etc)...and a woman who
retired from city hall staff at age 76... with close to $180,000 a
year.

Not much of this was true prior to 2000... these are recent union
contracts. Ive talked to several retired police about this.. many
getting 40 to 60k a year... retired prior to 2000. they say they are
worried about the back lash and are not impressed either, they know it
wont fly for long... it cant.


Phil scott
>
> If the assessor says it's woth 7 times as much, they'd better be able to show
> you the comp sales.

== 2 of 4 ==
Date: Tues, Oct 28 2008 9:17 am
From: phil scott


On Oct 26, 2:01 pm, "Bob F" <bobnos...@gmail.com> wrote:
> "phil scott" <p...@philscott.net> wrote in message
>
> news:925bb396-c08c-4751-b83f-101448e8e9d8@d10g2000pra.googlegroups.com...
>
> on the view issue.... in New hampshire starting a couple of  years ago
> is the 'view tax factor'... one guys taxes went from $500 a year to
> $3500.. because he had a killer view... so he got a 'view assessement
> factor of 7'
>
> that is 7x the assessment if it had no view.
>
> this mess wont stop until bloated govt has eaten the tax payers alive
> and the tax base collapses entirely.... meantime cops are retiring at
> 100,000 to 1150,000 a year or more...
>
> Cops retiring on 1150,000 per year? Where?
>


> If the assessor says it's woth 7 times as much, they'd better be able to show
> you the comp sales.

Comparable sales make sense for sure, that report was from 3 or 4
years ago... the law would have been tested
by now, searching google for 'New Hampshire, view tax factor' should
get some data on it. I'll look it up later.


Phil scott

== 3 of 4 ==
Date: Tues, Oct 28 2008 9:20 am
From: phil scott


On Oct 26, 2:01 pm, "Bob F" <bobnos...@gmail.com> wrote:
> "phil scott" <p...@philscott.net> wrote in message
>
> news:925bb396-c08c-4751-b83f-101448e8e9d8@d10g2000pra.googlegroups.com...
>
> on the view issue.... in New hampshire starting a couple of  years ago
> is the 'view tax factor'... one guys taxes went from $500 a year to
> $3500.. because he had a killer view... so he got a 'view assessement
> factor of 7'
>
> that is 7x the assessment if it had no view.
>
> this mess wont stop until bloated govt has eaten the tax payers alive
> and the tax base collapses entirely.... meantime cops are retiring at
> 100,000 to 1150,000 a year or more...
>
> Cops retiring on 1150,000 per year? Where?
>
> If the assessor says it's woth 7 times as much, they'd better be able to show
> you the comp sales.


here is a link on the New hampshire view tax...there are a few hundred
articles..the citizens are outraged.

http://www.breitbart.com/article.php?id=D8DJADN01&show_article=1

== 4 of 4 ==
Date: Tues, Oct 28 2008 11:58 am
From: phil scott


On Oct 26, 2:01 pm, "Bob F" <bobnos...@gmail.com> wrote:
> "phil scott" <p...@philscott.net> wrote in message
>
> news:925bb396-c08c-4751-b83f-101448e8e9d8@d10g2000pra.googlegroups.com...
>
> on the view issue.... in New hampshire starting a couple of  years ago
> is the 'view tax factor'... one guys taxes went from $500 a year to
> $3500.. because he had a killer view... so he got a 'view assessement
> factor of 7'
>
> that is 7x the assessment if it had no view.
>
> this mess wont stop until bloated govt has eaten the tax payers alive
> and the tax base collapses entirely.... meantime cops are retiring at
> 100,000 to 1150,000 a year or more...
>
> Cops retiring on 1150,000 per year? Where?
>
> If the assessor says it's woth 7 times as much, they'd better be able to show
> you the comp sales.


One other thing... clearly i can see that both of these issues are
beyond belief for you...as they were for me as well.... complete
criminal insanity is not fathomable by reasonable people...especially
those brought up when such crime was not as completely rampant as it
is today.

what we will see next from out govt, state, local and federal,
primarily federal will be even futher beyond belief...completely
stunning in fact, such as giving 70 billion of the 700 billion fake
bail out directly to the criminals that caused the problem, to remain
in their positions, recieving bonuses. into the hundreds of millions
each firm! then ruthless attempts to collect taxes from the
starving middle class, ruining them and those businesses utterly.

it will get nasty as hell with govt bloat rampant and having run up a
100 trillion dollar debt, it cant stop taxing... but will be forced
to stop spending as the tax base collapses and it will be no use
printing more funny money.


... when govt spending is curtailed the already collapsing consumer
spending will come to a diasterous crawl.

None of that is rocket science. see my other posts for a list of
the driving factors... those done reverse at this stage.

Phil scott


==============================================================================
TOPIC: Maximizing Welfare
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9949fc83cc11aec3?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Oct 27 2008 9:31 am
From: Jeff


Al Bundy wrote:
>
> Bruce C. Miller wrote:
>> What US state can a single male with no kids collect the most welfare?
>> Food stamps and other perks are a plus as well. Another consideration
>> is any maximum limits on the amount of time you can receive payments
>> or any red tape they put you through to get it.
>>
>> Or, if anyone knows of a state-by-state comparison of welfare
>> benefits, I'd also be interested in that too.
>>
>> Thanks for any info.
>
> It sounds like you may be singing the loser's anthem before the game
> even starts. Perhaps more facts would allow people to offer more
> helpful ideas. Are you disabled, lazy, alien or whatever?


I strongly suspect he is trolling to stir up a pet peeve. It's a red
meat issue.


Jeff

Each
> situation could point to different answers. Of course, we know you are
> asking for a friend.

== 2 of 3 ==
Date: Mon, Oct 27 2008 9:33 am
From: Jeff


William Souden wrote:
> Finally, a topic Rod Speed can talk about.

When is the last time you posted *anything* that wasn't about Rod Speed?

Jeff

== 3 of 3 ==
Date: Tues, Oct 28 2008 9:59 am
From: "Bob F"

"Marsha" <mas@xeb.net> wrote in message news:ge5iha$5el$1@news.datemas.de...
> Bruce C. Miller wrote:
>
>> What US state can a single male with no kids collect the most welfare?
>> Food stamps and other perks are a plus as well. Another consideration
>> is any maximum limits on the amount of time you can receive payments
>> or any red tape they put you through to get it.
>>
>> Or, if anyone knows of a state-by-state comparison of welfare
>> benefits, I'd also be interested in that too.
>>
>> Thanks for any info.
>
> If you wait until Obama gets elected, anyone will be able to collect for any
> reason in any state for an unlimited amount of time.

It is amazing, the lies that the republican voters will swallow. You just make
things up and state them as fact. Over and over. As if if you repeat them
enough, they will become real.



==============================================================================
TOPIC: How big is your entertainment budget?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3c6aa20660c0230b?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Oct 28 2008 10:49 am
From: OhioGuy


I'm just curious how much others set aside for this category. We
have two adults and 2 children in our family, and we set aside $40 every
two weeks for all entertainment purposes.

This means eating out, movies, music, books, tickets to anything,
etc.
We have to have the $ in there, or we do an alternative low cost or free
activity. (board games, DVD from the library, etc.)

How much do you set aside in your budget for these things?

Thanks

== 2 of 2 ==
Date: Mon, Oct 27 2008 12:16 pm
From: Jeff


OhioGuy wrote:
> I'm just curious how much others set aside for this category. We have
> two adults and 2 children in our family, and we set aside $40 every two
> weeks for all entertainment purposes.

$20/week for the family?

Well, I guess it depends on where you live. If I lived somewhere where
there was less to do I would spend less.

I go out to eat twice a week to a decent restaurant, do an outing
every Sunday, catch an occasional Concert, festival or party, am a
museum member and this time of year catch at least a couple of
photographic exhibits a week. Been down to the beach twice this summer
and up to the lake a lot. Mountain season now... and lots of Halloween
parties.

>
> This means eating out, movies, music, books, tickets to anything, etc.
> We have to have the $ in there, or we do an alternative low cost or free
> activity. (board games, DVD from the library, etc.)
>
> How much do you set aside in your budget for these things?

Sorry, no budget, just spend as I go. My living costs are
extraordinarily low otherwise. Old car, house is paid for. Mostly solar
heat. Eat a lot of chicken... I'd rather have fun than a new car.

YMMV.

Jeff
>
> Thanks


==============================================================================
TOPIC: How to make money easily through online.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f2535e65ea9c733f?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 28 2008 10:15 am
From: shilpa


Put in a Free Advertisement.
2. Get others to put in Free Advertisements.
3. Get paid!!


////////////////////////////////////////////////////////////////////////////////////////////////////

////////////////////////////////////////////////////////////////////////////////////////////////////


==============================================================================
TOPIC: vacuum cleaner new - bletherings on consumer chauvinism
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2e8cc394cc50a344?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Oct 28 2008 10:44 am
From: Siskuwihane


On Oct 27, 9:55 pm, Archon <Chipbee40_Spa...@yahoo.com> wrote:


> Back to the 120Vac problem here, American washing machines run off
> 120Vac so there's not enough juice to put a heater in, they run off
> domestic hot water which of course is not always hot because the
> dishwasher empties out the hot tank each time.

BS.

The average Energy Star dishwasher uses 4 gallons of water, where the
average non-Energy Star dishwasher uses 6 gallons.

== 2 of 3 ==
Date: Tues, Oct 28 2008 10:59 am
From: "Percival P. Cassidy"


On 10/25/08 03:26 am Andrew Gabriel wrote:

> "Nothing sucks like an Electrolux"
>
> (which was later plaguerised in the computing industry as
> "Nothing sucks like a Vax", the name of a range of minicomputers).

And if Microsoft ever built a vacuum cleaner, it would be their first
product that didn't suck.

Perce

== 3 of 3 ==
Date: Tues, Oct 28 2008 11:04 am
From: "Percival P. Cassidy"


On 10/27/08 06:05 am max wrote:

>> If you want a cyclone cleaner that works, you're really going
>> to struggle with anything other that a Dyson. Dyson have a stack
>> of patents relating to designing cyclones small enough to be part
>> of a vacuum cleaner which actually work, that's it's pretty
>> impossible for other manufacturers to come close. His original
>> dual cyclone patent expired which is why you now see other
>> manufacturers doing those, but they're stuck with following all
>> his advances 25 years behind.
>
> horse shit. utter horseshit. Dyson's vacuums are devoid of any genuine
> innovation whatsoever. His patents are as meritous as AOL's attempt to
> patent the smiley face emoticon. He adapted the cyclone filter to a
> carpet sucker. whoopie. wow!!! His innovation has a great more to do
> with the advances made in material science making available to him the
> possibility of doing something different. . A Dyson-style vacuum made
> in 1950 would have been beyond the means of 75% of consumers.
>
> His brushless air jet models are polycarbonate frauds.

Hoover and the rest denigrated Dyson's ideas at first but then copied
them. I happened to be in the UK when the court found Hoover guilty of
infringing Dyson's patents.

We love our Dyson.

Perce


==============================================================================
TOPIC: Democrats sexy meltdown
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1a6dddafe8fb271f?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 28 2008 11:02 am
From: krystinacarle@gmail.com


http://salo.coolpage.biz/amateur.htm read full� Natalie felt it was
only fair that I remove the gag from Bills mouth so he could answer
his loving wife and daughters probing questions. After clearing his
throat he said something that I will never forget Hillary I feel your
pain http://groups.google.com/group/sexual-meltdown http://sexual-meltdown.blogspot.com/


==============================================================================
TOPIC: Stagflation ...the next big thang...and a cure of sorts
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/619c01ee4664afb1?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Oct 28 2008 11:17 am
From: phil scott


Educate yourself at the hands on level...become an entrepreneur, thats
where baloney walks and skills talk...

I am 67 years old and currently doing reasonably well only because my
skill sets have recently come back in demand due to the decline of
talent as most old farts are retiring.. and because of my ongoing
agressive accumulation of new skills and abilities.

...the new breed of kiddies doesnt have much of a clue... and that
includes many in the under age 45 bracket .. under at 35 its a
complete disaster as best I can tell... I run into pipe wholesalers
these days who will send me a box of pipe unions when i ordered
valves... completely stunning levels of incompetence... on a recent
test that included the branch manager... I gave him a spec and a
sketch of a common fitting adapter... he came back with a whole box
full of everything but and said take your pick.... no clue at
all..not even the faintest.

(there is hope, a new breed... teens to 20 somethings seem to have
seen through much of this but are hampered by a grossly incompetent US
educational system, lack of employer training in a majority of cases,
and such low pay that they have no incentive to study up at home..)


Stagflation:
See my other posts on the underlying factors. these are not
reversible in the US. We are in for it.

accordingly the stock market will *rise in terms of dollars per share,
as wages decline (in relation to living costs)... thats stagnation/
inflation combination.... it will bankrupt a lot of people and
companies. it will make the US a bad place to invest (see caveat
below)... the US had been living on foreign capitol for decades...that
has come to an end.

****
However...
I expect the stock market to double in terms of dollars per share over
the next few years... as bread, gasoline, raw material increases at
15% more than that. tripleing, as the DOW doubles. (a net loss of
value in the range of 50%..and thats also been the case with the DOW
since 1993. its lost net value, as the dollar price rose.

***

the ultra rich will get a lot richer by means of buying on margin..
5% . so that the gains as the other 95% of the stock doubles will
amount to thousands of percentage points profit on the 5% they
invested in buying the stock on margin.

thats an insiders game... outsiders trying to tag along will be taken
out by the pre-arranged dips in this overall market uptrend. The
insiders (using untraceable) proxies know what 'good news', bad news
or spin they will release and when and be ahead of that with their
long or short selling.

***
99% of the general public will lose on that basis...but limitless
wealth awaits those insiders... there is no cure in sight as this is
not preventable.

***

My advice; If you go long on margin, get the longest contracts
possible, and ride them out.. be well informed, keep diversified in
the major industrials....you might have a slim chance that way..very
slim.... these largest firms have a harder time manipulating thier
stock price than smaller companies with narrower vested interests.

and invest in yourself, your own marketable skill sets, health and
fitness, keeping costs well below income, with minimal taxation
exposure., take care of your business relationships and income
streams.

as this mess tanks, and govt keeps on bloating it will become
ruthlessly voracious... ruining many lives and eliminating whats left
of the middle class.


cutting ppty tax, and income tax exposure will be critical to
survival.. there are many legal and ethical ways to accomplish that
summed up in the categories of cooperation, joint venture, right
relationship and full use of capitol equipment etc.

Phil scott

you can find my list of demographic and underlying factors posts on
Misc.Invest.stocks and alt.computer.consultants

== 2 of 2 ==
Date: Tues, Oct 28 2008 1:02 pm
From: "Rod Speed"


phil scott <phil@philscott.net> wrote

> Educate yourself at the hands on level...become an
> entrepreneur, thats where baloney walks and skills talk...

> I am 67 years old and currently doing reasonably well

No you havent. You dont even have a house to live in.

> only because my skill sets have recently come back in demand due
> to the decline of talent as most old farts are retiring.. and because
> of my ongoing agressive accumulation of new skills and abilities.

And when you end up with a serious medical problem the shit will really hit the fan.

> ...the new breed of kiddies doesnt have much of a clue...
> and that includes many in the under age 45 bracket ..
> under at 35 its a complete disaster as best I can tell...

The ancient greeks used to sit around in their togas or
whatever they wore and rave on precisely the same way.

> I run into pipe wholesalers these days who will send me a box of pipe
> unions when i ordered valves... completely stunning levels of incompetence...

Corse nothing like that ever happened in the past, eh ?

> on a recent test that included the branch manager...
> I gave him a spec and a sketch of a common fitting adapter...
> he came back with a whole box full of everything but and
> said take your pick.... no clue at all..not even the faintest.

Corse nothing like that ever happened in the past, eh ?

> (there is hope, a new breed... teens to 20 somethings seem to have
> seen through much of this but are hampered by a grossly incompetent
> US educational system, lack of employer training in a majority of cases,
> and such low pay that they have no incentive to study up at home..)

Anyone with a clue doesnt need an education system.

> Stagflation:
> See my other posts on the underlying factors.

No thanks, that was all completely mindless silly shit.

> these are not reversible in the US. We are in for it.

Have fun explaining how come we managed to survive the great depression fine.

> accordingly the stock market will *rise in terms of dollars per share, as wages
> decline (in relation to living costs)... thats stagnation/ inflation combination....

No it isnt.

> it will bankrupt a lot of people and companies. it will make the US a bad place to invest (see
> caveat below)... the US had been living on foreign capitol for decades...that has come to an end.

No it hasnt. And its capital, not capitol. A capitol is a building, stupid.

> ****
> However...
> I expect the stock market to double in terms of dollars per share
> over the next few years... as bread, gasoline, raw material
> increases at 15% more than that. tripleing, as the DOW doubles.

More fool you. The price of commoditys is dropping thru the floor, stupid.

Have a look at the price of wheat sometime.

> (a net loss of value in the range of 50%..and thats also been the case
> with the DOW since 1993. its lost net value, as the dollar price rose.

That wasnt due to the dollar price rising.

> ***

> the ultra rich will get a lot richer by means of buying on margin.. 5%

No one will let them buy on margin with the DOW dropping like a stone, stupid.

> so that the gains as the other 95% of the stock doubles
> will amount to thousands of percentage points profit on
> the 5% they invested in buying the stock on margin.

No one will let them buy on margin with the DOW dropping like a stone, stupid.

And they'll be losing money when the stock drops like a stone anyway.

> thats an insiders game... outsiders trying to tag along will be
> taken out by the pre-arranged dips in this overall market uptrend.

There is no overall market uptrend, just sucker rallys.

> The insiders (using untraceable) proxies know what 'good
> news', bad news or spin they will release and when and
> be ahead of that with their long or short selling.

How odd that so many hedge funds are sinking beneath the waves.

> ***
> 99% of the general public will lose on that basis...but limitless wealth
> awaits those insiders... there is no cure in sight as this is not preventable.

How odd that so many hedge funds are sinking beneath the waves.

> ***

> My advice;

After your mindless silly shit above, no one is going to take your 'advice' on anything at all, ever.

> If you go long on margin, get the longest contracts possible,
> and ride them out.. be well informed, keep diversified in the
> major industrials....you might have a slim chance that way..very
> slim.... these largest firms have a harder time manipulating thier
> stock price than smaller companies with narrower vested interests.

> and invest in yourself, your own marketable skill sets, health and fitness,
> keeping costs well below income, with minimal taxation exposure., take
> care of your business relationships and income streams.

Makes a lot more sense to have owned the house you live in before the real estate bubble.

You couldnt even manage that.

> as this mess tanks, and govt keeps on bloating it will become ruthlessly
> voracious... ruining many lives and eliminating whats left of the middle class.

You aint anything even remotely resembling anything like middle class.

Just another bum.

> cutting ppty tax, and income tax exposure will be critical to survival..

Having your house paid off is actually if the shit does hit the fan.

> there are many legal and ethical ways to accomplish that
> summed up in the categories of cooperation, joint venture,
> right relationship and full use of capitol equipment etc.

They wont let bums like you use the capitol, they keep that for the politicians.

> you can find my list of demographic and underlying factors
> posts on Misc.Invest.stocks and alt.computer.consultants

That shit should be flushed where it belongs since it clearly
didnt even manage to allow you to own a decent house.



==============================================================================
TOPIC: Cheap eBay CCTV Security System Installation
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f8239fd18f1e254f?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 28 2008 12:00 pm
From: Paul Michaels


A friend of mine wanted to install an inexpensive CCTV & DVR security
camera system at his property.

So I went on eBay and chose all the cheapest components including 4
generic "Made In China" cameras and a generic DVR PCI capture card for
the old PC he already had.

I took pictures of the whole procedure and wrote up a quick guide. If
any of you are looking into installing a low cost CCTV system, it
might be helpful.

Here's the gallery -
http://www.paulstravelpictures.com/Cheap-eBay-CCTV-DVR-Security-System-Installation/

The quality of the video is fine considering the very low price but
we're thinking of upgrading to slightly better cameras in the future.

Cheers,
Paul Michaels
Ft. Lauderdale, FL


==============================================================================
TOPIC: Smallest Houses Ever?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1e9f74832b10815e?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 28 2008 1:08 pm
From: "viet nam vet."


In article <HxTMk.218123$C65.10206@en-nntp-01.dc1.easynews.com>,
"SJF" <noone@nowhere.com> wrote:

> "ukie" <U.Betcherass@gmail.com> wrote in message
> news:4619dd1e-1486-465b-ad9b-d8896716aafa@u65g2000hsc.googlegroups.com...
> >I found this site through reading a news article yesterday. I thought
> > some folks here might get a kick out of it.
> > It's a guy who builds and sells tiny little houses. I've always
> > daydreamed about living in an Airstream trailer or maybe a converted
> > train car, but these homes seem pretty cool too (as long as you're not
> > claustrophobic):
> >
> > http://www.tumbleweedhouses.com/
>
> In Copenhagen there is a park divided into small lots where people build and
> maintain such tiny houses complete with compact landscaping. Story is that
> the local ruler, sometime in the 1800's, set this up to let urban tenement
> dwellers have a place to get out in the open on holidays. Nowadays, it
> seems to be more a hobby project for the present owners. Most are very
> attractive in a cute way and show loving care.
>
> SJF

I've seen this movement as a way to secure the basics and as "things"
improve , it's a base to expand on.
Like don't forget to leave a door in each wall to connect to an addition.
--
Money; What a concept !


==============================================================================
TOPIC: how to get your money back on any product that fails
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cf36a607cf5a61cd?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Oct 28 2008 12:34 pm
From: "Rod Speed"


I in fact got the use of a very decent Logitech keyboard and mouse
for 5 years for the cost of that money for that time just by choosing
a mouse that they didnt continue to produce, claiming under warranty
just before the warranty expired and since they couldnt replace the
mouse with another with the same button collection etc, they had to
give me a full refund of the original purchase price instead.

misterfact@yahoo.com wrote:
> How to get your money back on most any product that fails just after
> its flimsy, short-term, worthless warranty expires:
>
> Good examples of junk products that fail in less than 180 days:
>
> Belkin (cigarette lighter plug-in) cell phone chargers
>
> SONY microcassette tape-recorders
>
> any compact flourescent light bulb
>
> digital cameras, electronics equipment, etc
>
>
> SIMPLY:
>
> 1. Buy the SAME product at any store.
>
> 2. Take advantage of the store's return policy! Wait two weeks; then
> put the failed product in the new product's packaging and return it to
> the store with the new product's sales receipt. Get your money back!
>
> The more people who do this- the sooner these sloppy manufacturers
> will make a quality product and give a reasonable warranty! That even
> goes for the cheap Chinese items at the Dollar Store.


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