http://groups.google.com/group/misc.consumers.frugal-living?hl=en
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Today's topics:
* wholesale Coogi clothing outlet (WWW.3AKICKS.COM) cheap Christian Audigier
Long Sleeve Shirt - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6bb478947c2c9d83?hl=en
* new hybrid batteries and overcharging - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d32953a33eed58b1?hl=en
* Great Depression 2: 2008 - 2012 - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b260cd3d2eb87704?hl=en
* KFC 9.99 bucket - 6 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5651e6f0a42596cd?hl=en
* Should I renew my AIG auto insurance policy or not? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0b89a5d081044ad3?hl=en
* The $810 BILLION bailout ... what does it mean to ME??? - 5 messages, 4
authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f1371c8463057fd8?hl=en
* getting cats spayed and neutered - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/291bfc820205c6fb?hl=en
* Benefits of frugality? - 7 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9afc6b52c0d2d5fb?hl=en
==============================================================================
TOPIC: wholesale Coogi clothing outlet (WWW.3AKICKS.COM) cheap Christian
Audigier Long Sleeve Shirt
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6bb478947c2c9d83?hl=en
==============================================================================
== 1 of 1 ==
Date: Thurs, Oct 9 2008 2:05 pm
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TOPIC: new hybrid batteries and overcharging
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d32953a33eed58b1?hl=en
==============================================================================
== 1 of 1 ==
Date: Thurs, Oct 9 2008 1:20 pm
From: dplatt@radagast.org (Dave Platt)
In article <i_6dnRE8Pq-BznDVnZ2dnUVZ_rrinZ2d@comcast.com>,
William Sommerwerck <grizzledgeezer@comcast.net> wrote:
>How do you define "overcharging"?
Pretty much the way you do later, and the way that the manufacturers
seem to. "Overcharging" is when one continues to force charging
current into the cell, once the cell's electrochemistry has reached
the point of saturation and no further useful electrochemical
conversion can be performed.
> Switching to a trickle charge at the end
>of the charge cycle is, technically, overcharging, but no one considers it
>abuse.
Actually, some of the manufacturer data sheets I've read seem to
recommend against it.
>NiMH cells can tolerate huge charging currents. MAHA specifically states
>that do not recommend charging at _less_ than 1/3 C, and permit charge rates
>as high as 1.0 C!
True. That's one (not the only) definite advantage of NiMH cells -
they can be recharged very quickly.
>Whether this applies only to their cells, or pretty much everyones, I don't
>know. But NiMH cells don't appear to be particularly "delicate".
They're not particularly delicate in terms of their rate of charge
absorbtion _during_ proper charging. As you say, they can eat a lot
of current.
They are, however, more easily damaged than NiCd cells by the
overheating which occurs if you continue to pump energy into them
after their electrochemistry has saturated.
>"Overcharging" probably means, as others have suggested, continuing the
>charge past "negative delta V" and continuing to charge at a high rate to
>the point where the cell badly overheats.
I read "overcharging" as any continued charging past the point of
"full". High-rate and low-rate overcharging does affect NiMH cells
differently, as the latter doesn't heat up the cells very much.
>But, as I said in my "moody" missive, this is something you should ask the
>manufacturer, as only it knows how its only cells respond to various
>charging protocols.
True. Unfortunately, without further information about how the
specific charger operates and behaves, even the cell's manufacturer
probably won't be able to give a useful answer.
>Yes and no. NiMH chargers can use either a rise in temperature (which might
>be hard to judge when the sensor is not part of the battery pack) or a drop
>in voltage to signal "full charge". The latter is supposedly larger and more
>distinct at higher charge rates.
>
>I don't believe either of these apply to nicad charging.
Actually, both of them do, although NiMH and NiCd cells differ
somewhat in both of these respects.
During the normal charging cycle (when they're still accepting
charge), NiCd batteries do not heat up very much at all... the
electrochemical process in these batteries is said to be endothermic
during charge acceptance. The cell's terminal voltage rises slowly
during this phase of charging. Once the plates are fully charged up,
the electrochemical reaction changes, and a secondary reaction
develops which releases the energy as heat... and so the NiCd cell
heats up significantly. As a result of the change and the heating,
the cell's terminal voltage stops rising, and actually drops
significantly. This reversal of the voltage curve with time isn't
hard to detect, and most NiCd fast-chargers seem to use a "negative
delta-V" detection circuit to determine that the cell has reached full
charge and to shut off the current (or drop it to a trickle).
NiMH cells behave a bit differently. They do warm up somewhat during
the main phase of charging - the electrochemical reaction is
exothermic. Like a NiCd, their terminal voltage rises slowly during
the charge cycle. Also like a NiCd, when they reach full charge they
start dissipating most of the incoming charge energy as heat, and (in
a fast-charge scenario) they can get quite warm quite quickly.
However, the effect of this on their terminal voltage is a bit
different... it stops rising, but it doesn't begin to fall
significantly until you've gone pretty far past the full-charge point
and gotten them pretty hot... and the manufacturer data sheets I've
read say that this degree of overcharging will shorten their life
appreciably.
So, the manufacturer data sheets I've read recommend using the
temperature rise (absolute and/or delta-temperature-over-time)
directly, using a thermistor, as the primary means of detecting full
charge in a NiMH. Zero-delta-V-over-time makes a good secondary
shutoff mechanism, and a timed shutoff for safety is also recommended.
--
Dave Platt <dplatt@radagast.org> AE6EO
Friends of Jade Warrior home page: http://www.radagast.org/jade-warrior
I do _not_ wish to receive unsolicited commercial email, and I will
boycott any company which has the gall to send me such ads!
==============================================================================
TOPIC: Great Depression 2: 2008 - 2012
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b260cd3d2eb87704?hl=en
==============================================================================
== 1 of 1 ==
Date: Thurs, Oct 9 2008 2:22 pm
From: Dennis
On Thu, 9 Oct 2008 08:26:23 -0400, "Lou" <lpogoda@hotmail.com> wrote:
>
>"clint" <clinton.stoner@verizon.net> wrote in message
>news:%DaHk.1584$yI6.795@nwrddc01.gnilink.net...
>>
>> I think that most of you folks have no idea of what a depression is.
>> However, it is not your fault. You were probably born after the big one.
>
>I'm one of those - born in 1949. I remember my parents, grandparents, and
>in-laws talking about what they had to do to survive those years. There are
>a few differences between then and now.
>
>> I am going to try to give you some idea of how bad a deep depression is. I
>> was born in the 1920's. The depression started in late 1929. The stock
>> market completely collapsed.
>
>Yeah, the stock market lost 85% of its value. So far recently, the stock
>market losses have been about average for a bear market (average is about
>35%).
>
>> People were jumping out of multi- story office buildings because they
>> couldn't cope with the fact that they had lost all of their life savings.
>> Then the run on the banks started.
>
>What I was told is that the government eventually declared a bank holiday -
>in other words, they closed the banks. Government examiners determined
>which banks were solvent and which were not. The ones that were not were
>closed down. There was no deposit insurance - the money that people had
>deposited in those banks simply disappeared. Whatever else has happened
>recently or will happen in the near term, bank deposits are not going to
>simply disappear.
>
>>I can remember that we lived in a cold water flat in Western Pa. My dad
>>worked for the H.C. Frick Coke Company and was laid off along with hundreds
>>of others. No work, regardless of the pay could be found. One of my earlier
>>Christmas events was a Santa gift of a small kids rocking chair and a tree.
>>I don't know where either one came from. I can remember my dad walking from
>>Tarrs Pa. to Mount Pleasant Pa., about 4 miles, to get a tooth pulled. He
>>didn't have a nickle for the street car & couldn't pay the dentist. I also
>>remember my mother sifting the governmen't surplus flour to remove the
>>worms so she could bake bread. Pork chops were selling for 4 cents a pound
>>and not many people could afford them. Families were torn apart and had to
>>get rid of some of their children to a relative or friend that could aford
>>to feed them. As a teen-ager things were not much better, but the political
>>rumblings in Europe in the late 30's resulted in a slow recovery. I don't
>>want to bore you but a depression is an extremely bad event that should be
>>avoided if at all possible.
>
>My family didn't have it quite that bad - someone in the household had an
>income, even if it was only tips from shining shoes. I guess they were
>luckier than your family.
>
>> Thanks for listening..............Clint
>
>Thanks for your post - it helps put the hysterical gloom and doom we've been
>hearing lately in perspective.
Agreed.
Both my parents experienced the Great Depression first-hand. Many
after supper discussions while I was growing up recounted how things
were for them in the 30's and 40's.
My mom's father was the town butcher in a small coal mining town in
New Mexico. They didn't have any luxuries, but managed to keep a roof
overhead and food on the table.
My dad, his two brothers and their father spent the much of the lean
years in the rural hills of eastern Washington state. They lived in a
small community of log cabins with no electricity or running water.
They farmed, hunted and cut firewood to scratch out a living, pretty
much subsistence-level.
Oddly, both sometimes seemed almost a bit nostalgic about it while
telling the stories.
--
It looks like freedom
But it smells like death
It's something in between,
I guess
It's closing time - Leonard Cohen
==============================================================================
TOPIC: KFC 9.99 bucket
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/5651e6f0a42596cd?hl=en
==============================================================================
== 1 of 6 ==
Date: Thurs, Oct 9 2008 2:43 pm
From: James
I'll just assume no one who answered ever fried enough chicken to know
how much it would cost them to make the equivalent amount of KFC
chicken. Guess those of you who cook never compared compared the cost.
== 2 of 6 ==
Date: Thurs, Oct 9 2008 3:10 pm
From: timeOday
val189 wrote:
> On Oct 8, 11:54 pm, James <j0069b...@hotmail.com> wrote:
>> How much would the raw chicken cost you at regular supermarket
>> prices? At sale prices? Assume you cook regularly and have all the
>> other stuff necessary for fried chicken so their cost is minor.
>
> It's bound to be cheaper to cook at home. No profit margin for KFC or
> whomever. I never liked their chicken anyway - I think they used
> skinny chicken. Seemed no like meat and a lot of coating. One more
> fast food ripoff.
Have you run the numbers?
My opinion is, a $5 footlong at Subway, or certainly $1 burger at
Wendy's, is less than the ingredients would cost you. Especially if
you're realistic and factor in the waste of buying specialized
ingredients for home cooking (you end up throwing out half a jar, etc).
Growing up we rarely ate out and it was ingrained in me that it is a
luxury. But when you can go to Wendy's and get a little cheeseburger, a
baked potato, and a side salad for $3, it's just not true. It's getting
harder to find all these items on the dollar menu, but inflation at the
grocery store is significant also.
== 3 of 6 ==
Date: Thurs, Oct 9 2008 3:16 pm
From: "ares"
KFC seems pretty expensive. I get ready made fried chicken in Publix deli
or other grocery stores; I think it's a whole chicken for around $7. Seemed
KFC charges double ... but I never compared exactly.
ares
== 4 of 6 ==
Date: Thurs, Oct 9 2008 4:22 pm
From: "kilikini"
James wrote:
> I'll just assume no one who answered ever fried enough chicken to know
> how much it would cost them to make the equivalent amount of KFC
> chicken. Guess those of you who cook never compared compared the
> cost.
Okay, I'll bite. We can get a 10 pound bag of chicken leg quarters for
about $5 at "the dreaded meat store". Cut up the quarters (free). Cornmeal
mix is $1.39 for an entire bag, which only a fraction is used. Garlic, salt
& pepper is negligible. Oil? I'd say $1's worth.
Since there is only two of us and I don't usually eat chicken anyway, we
obviously don't use up the whole 10 pounds of chicken.
I'd say homemade fried chicken is cheaper (and better!) than KFC.
kili
== 5 of 6 ==
Date: Thurs, Oct 9 2008 4:24 pm
From: "kilikini"
ares wrote:
> KFC seems pretty expensive. I get ready made fried chicken in Publix
> deli or other grocery stores; I think it's a whole chicken for around
> $7. Seemed KFC charges double ... but I never compared exactly.
> ares
Publix fried chicken tastes better, too.
kili
== 6 of 6 ==
Date: Thurs, Oct 9 2008 4:41 pm
From: Lou Decruss
On Thu, 9 Oct 2008 14:43:52 -0700 (PDT), James <j0069bond@hotmail.com>
wrote:
>I'll just assume no one who answered ever fried enough chicken to know
>how much it would cost them to make the equivalent amount of KFC
>chicken. Guess those of you who cook never compared compared the cost.
Maybe those who cook know that the size of the chicken pieces make
this an impossible question to give an accurate answer. I could
probably eat 5 pieces of KFC chicken but when I make it I'm lucky to
be able to finish one breast.
Lou
==============================================================================
TOPIC: Should I renew my AIG auto insurance policy or not?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0b89a5d081044ad3?hl=en
==============================================================================
== 1 of 1 ==
Date: Thurs, Oct 9 2008 3:14 pm
From: timeOday
John A. Weeks III wrote:
> In article
> <fbce85d2-bcab-4e2a-8cd0-700b2ba865f0@a70g2000hsh.googlegroups.com>,
> "void.no.spam.com@gmail.com" <void.no.spam.com@gmail.com> wrote:
>
>> My auto insurance policy is with AIG, and it is about to expire. The
>> rate is pretty good, so I want to renew the policy, but I wonder if I
>> should look for another company, given their problems? Will AIG
>> disappear, or does their bailout mean they definitely won't disappear?
>
> What problems? AIG auto insurance company has not had any problems,
> and they are as solid as rock. The company that has problems was
> another company, also called AIG, but is in the business of
> insuring investment deals and bonds. Each of the various AIG
> companies are separate corporations held by a holding company.
> One going bust doesn't hurt any of its siblings, and even the
> one that had problems didn't go bust since the government helped
> it out a bit with a loan.
>
> -john-
>
Are they really TOTALLY isolated? If so, in what sense are they part of
the corporation? What function is served by the highest AIG executives,
above the individual companies?
==============================================================================
TOPIC: The $810 BILLION bailout ... what does it mean to ME???
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f1371c8463057fd8?hl=en
==============================================================================
== 1 of 5 ==
Date: Thurs, Oct 9 2008 3:18 pm
From: timeOday
Lou wrote:
> Dave wrote:
>> No bullshit, no hype, just the facts:
>> - It was $700 Billion, but that was rejected. The version signed
>> into law recently is worse. It is $810 Billion.
>> - We don't have $810 Billion, we will have to borrow it from other
>> countries, like China.
>> - The payoff on the loan will be a minimum of $1.6 TRILLION. Some
>> experts say the number is closer to $10 TRILLION.
>> - There are about 138,000,000 taxpayers (debtors) in the U.S. right now
>> - The Bailout will cost EACH taxpayer $11,594.20 MINIMUM.
>> - The Bailout will cost a two-income family $23,188.40 MINIMUM.
>>
>> Some idiots are speculating that we might make a profit of up to $200
>> Billion on the money we are throwing at the banks which are bankrupt
>> and mis-managed. If so, (and that's a HUGE 'IF') this will reduce our
>> loss to a measly $1.4 TRILLION dollars.
>>
>> - The Bailout will cost EACH taxpayer $11,594.20 MINIMUM.
>>
>> IMHO, every congressman who voted for this should spend a minimum of
>> 10 years in Federal prison. -Dave
>>
>>
> Let's see, last Monday's stock market drop erased $1.1 trillion stock
> value. If the $700 billion, or $810 billion, or whatever, manages to
> steady the economy and reverse that loss, it'll be cheap at the price.
So much for THAT theory - DOW just closed at 8579! Wow!!!
(I guess you can always worry it might have been even worse).
== 2 of 5 ==
Date: Thurs, Oct 9 2008 3:36 pm
From: "Dave"
> So much for THAT theory - DOW just closed at 8579! Wow!!!
>
> (I guess you can always worry it might have been even worse).
To put it in perspective... the DOW lost 7% in ONE DAY.
Now watch some fricking moron claim with a straight face that the $810
BILLION bailout was not a terrible idea. -Dave
== 3 of 5 ==
Date: Thurs, Oct 9 2008 4:53 pm
From: "Rod Speed"
Dave <noway@nohow.not> wrote:
>> So much for THAT theory - DOW just closed at 8579! Wow!!!
>>
>> (I guess you can always worry it might have been even worse).
>
> To put it in perspective... the DOW lost 7% in ONE DAY.
>
> Now watch some fricking moron claim with a straight face that the $810
> BILLION bailout was not a terrible idea.
You dunno what it would have done if Congress had refused to do the bailout, fool.
== 4 of 5 ==
Date: Thurs, Oct 9 2008 6:28 pm
From: "nospam"
"Rod Speed" <rod.speed.aaa@gmail.com> wrote in message news:6l7jskFatupiU1@mid.individual.net...
> Dave <noway@nohow.not> wrote:
> >> So much for THAT theory - DOW just closed at 8579! Wow!!!
> >>
> >> (I guess you can always worry it might have been even worse).
> >
> > To put it in perspective... the DOW lost 7% in ONE DAY.
> >
> > Now watch some fricking moron claim with a straight face that the $810
> > BILLION bailout was not a terrible idea.
>
> You dunno what it would have done if Congress had refused to do the bailout, fool.
Yeah, it's like asking Saddam Hussein to prove he didn't have WMDs.
Same game.
Bush has finally attained his long-term goal to be dictator. If you want to
know which corporations are being allowed to live and which are not,
simply refer to your handy list of major Republican Party donors.
== 5 of 5 ==
Date: Thurs, Oct 9 2008 6:52 pm
From: "Rod Speed"
nospam <nospam@comcast.invalid.net> wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Dave <noway@nohow.not> wrote
>>>> So much for THAT theory - DOW just closed at 8579! Wow!!!
>>>> (I guess you can always worry it might have been even worse).
>>> To put it in perspective... the DOW lost 7% in ONE DAY.
>>> Now watch some fricking moron claim with a straight face
>>> that the $810 BILLION bailout was not a terrible idea.
>> You dunno what it would have done if Congress had refused to do the bailout, fool.
> Yeah, it's like asking Saddam Hussein to prove he didn't have WMDs.
> Same game.
> Bush has finally attained his long-term goal to be dictator.
Nope, he'll be gone in months, you watch. He wont even be able to get his own party's
candidate to replace him as Prez, or have any control over Congress either, you watch.
> If you want to know which corporations are being allowed to live and which
> are not, simply refer to your handy list of major Republican Party donors.
Pity about Lehmans.
==============================================================================
TOPIC: getting cats spayed and neutered
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/291bfc820205c6fb?hl=en
==============================================================================
== 1 of 3 ==
Date: Thurs, Oct 9 2008 3:33 pm
From: Dennis
On Thu, 09 Oct 2008 11:06:13 -0500, Vic Smith
<thismailautodeleted@comcast.net> wrote:
>My 12 year-old dog is almost unable to walk with arthritis and muscle
>loss, and going soft in the head. Have to put her down real soon.
>If I was in the country I'd shoot her and bury her myself, but I think
>the vet doing it is going to cost me a couple hundred bucks.
>Anybody have experience with this?
Sorry about your dog. When I had my dog put down by the vet in early
2007, IIRC it was around $60, including cremation and disposal of the
remains (more if you want the ashes back, but why would I?).
Definitely less than $100.
Great dog, heart gave out at only 5 years. I still miss her.
Dennis (evil)
--
The honest man is the one who realizes that he cannot
consume more, in his lifetime, than he produces.
== 2 of 3 ==
Date: Thurs, Oct 9 2008 3:40 pm
From: Marsha
Vic Smith wrote:
> My 12 year-old dog is almost unable to walk with arthritis and muscle
> loss, and going soft in the head. Have to put her down real soon.
> If I was in the country I'd shoot her and bury her myself, but I think
> the vet doing it is going to cost me a couple hundred bucks.
> Anybody have experience with this?
>
> --Vic
Have you called around? It shouldn't cost you anywhere near that. My
24-year-old cat, whose kidneys gave out, was put down last year and my
regular vet only charged 75.00. Worth every penny and more, to me. It
took about half an hour, much longer than usual, because her heart just
wouldn't stop beating. Two more injections later, she finally gave up.
She always was a fighter.
Marsha/Ohio
== 3 of 3 ==
Date: Thurs, Oct 9 2008 3:43 pm
From: Marsha
OhioGuy wrote:
> My wife is saying she would like to get them fixed. About 8 years
> ago, I got my cat fixed for $35, and now it is $55 at a local shelter.
>
>
$55.00 for spay and/or neuter? They can't all be females.
Marsha/Ohio
==============================================================================
TOPIC: Benefits of frugality?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9afc6b52c0d2d5fb?hl=en
==============================================================================
== 1 of 7 ==
Date: Thurs, Oct 9 2008 3:34 pm
From: timeOday
Recent events have me feeling I am being dragged into debt
involuntarily, only to prop up stocks, investment banks, and home
prices. Those who bought homes they couldn't afford are being supported
by those who didn't, punishing the frugal. This is depressing.
On the bright side, let's look at how being frugal pays off during times
like these.
(I hope this doesn't come off as insensitive to retirees who are
watching their investments go down the tubes and savings ravaged by
inflation in prices for food, energy, and health care... just trying to
find a silver lining):
* You aren't upside on a loan for an SUV you can no longer afford either
to refuel or sell.
* You don't have an adjustable rate mortgage about to reset, ravaging
your finances.
* You don't have a big balance on credit cards where the interest rate
could skyrocket at any moment.
* Living beneath your means gives you a cushion to absorb temporary
shocks in gas and food prices.
more?
== 2 of 7 ==
Date: Thurs, Oct 9 2008 4:00 pm
From: Dennis
On Thu, 09 Oct 2008 16:34:25 -0600, timeOday
<timeOday-UNSPAM@theknack.net> wrote:
>Recent events have me feeling I am being dragged into debt
>involuntarily, only to prop up stocks, investment banks, and home
>prices. Those who bought homes they couldn't afford are being supported
>by those who didn't, punishing the frugal. This is depressing.
>
>On the bright side, let's look at how being frugal pays off during times
>like these.
>
>(I hope this doesn't come off as insensitive to retirees who are
>watching their investments go down the tubes and savings ravaged by
>inflation in prices for food, energy, and health care... just trying to
>find a silver lining):
>
>* You aren't upside on a loan for an SUV you can no longer afford either
>to refuel or sell.
>* You don't have an adjustable rate mortgage about to reset, ravaging
>your finances.
>* You don't have a big balance on credit cards where the interest rate
>could skyrocket at any moment.
>* Living beneath your means gives you a cushion to absorb temporary
>shocks in gas and food prices.
>
>more?
No mortgage, no auto loan, no debt at all other than month-to-month
utility bills and credit card charges (paid off each month).
The Dow is about where it was 5 1/2 years ago. I didn't feel
desperately broke then, either.
I guess we'll see.
--
It looks like freedom
But it smells like death
It's something in between,
I guess
It's closing time - Leonard Cohen
== 3 of 7 ==
Date: Thurs, Oct 9 2008 4:23 pm
From: Al Bundy
timeOday wrote:
> Recent events have me feeling I am being dragged into debt
> involuntarily, only to prop up stocks, investment banks, and home
> prices. Those who bought homes they couldn't afford are being supported
> by those who didn't, punishing the frugal. This is depressing.
>
> On the bright side, let's look at how being frugal pays off during times
> like these.
>
> (I hope this doesn't come off as insensitive to retirees who are
> watching their investments go down the tubes and savings ravaged by
> inflation in prices for food, energy, and health care... just trying to
> find a silver lining):
>
> * You aren't upside on a loan for an SUV you can no longer afford either
> to refuel or sell.
> * You don't have an adjustable rate mortgage about to reset, ravaging
> your finances.
> * You don't have a big balance on credit cards where the interest rate
> could skyrocket at any moment.
> * Living beneath your means gives you a cushion to absorb temporary
> shocks in gas and food prices.
>
> more?
== 4 of 7 ==
Date: Thurs, Oct 9 2008 4:29 pm
From: Al Bundy
timeOday wrote:
> Recent events have me feeling I am being dragged into debt
> involuntarily, only to prop up stocks, investment banks, and home
> prices. Those who bought homes they couldn't afford are being supported
> by those who didn't, punishing the frugal. This is depressing.
>
> On the bright side, let's look at how being frugal pays off during times
> like these.
>
> (I hope this doesn't come off as insensitive to retirees who are
> watching their investments go down the tubes and savings ravaged by
> inflation in prices for food, energy, and health care... just trying to
> find a silver lining):
>
> * You aren't upside on a loan for an SUV you can no longer afford either
> to refuel or sell.
> * You don't have an adjustable rate mortgage about to reset, ravaging
> your finances.
> * You don't have a big balance on credit cards where the interest rate
> could skyrocket at any moment.
> * Living beneath your means gives you a cushion to absorb temporary
> shocks in gas and food prices.
>
> more?
Donald Trump said oil would go back to $20/bbl. T.Boone Pickens bet
him $100K that it would never see $50 again and said that Trump should
stick to real estate. We're only part way into this crisis and we're
more than half way down the price ladder. Fueling the SUV might not be
a big problem the way it's going.
Saving your money or avoiding a credit balance won't be much help if
the dollar is devalued and the other guy's loans are forgiven.
I see very little good in all this. Perfecting one's non monetary
survival skills could be very helpful.
== 5 of 7 ==
Date: Thurs, Oct 9 2008 5:01 pm
From: "Rod Speed"
timeOday <timeOday-UNSPAM@theknack.net> wrote:
> Recent events have me feeling I am being dragged into debt involuntarily,
> only to prop up stocks, investment banks, and home prices.
Lot cheaper than bailing out the entire country when we end up with another great depression or worse.
> Those who bought homes they couldn't afford are being
> supported by those who didn't, punishing the frugal.
Yes, but you get that in spades with welfare. Those that have enough of a clue
to arrange their personal financial circumstances and employability always get
punished when they end up paying for those who are to stupid to do that stuff.
> This is depressing.
Tad of an improvement on another great depression or worse tho.
> On the bright side, let's look at how being frugal pays off during times like these.
If everyone did this stuff, it would just make the economy MUCH worse.
> (I hope this doesn't come off as insensitive to retirees who are watching
> their investments go down the tubes and savings ravaged by inflation in
> prices for food, energy, and health care... just trying to find a silver lining):
> * You aren't upside on a loan for an SUV you can no longer afford either to refuel or sell.
> * You don't have an adjustable rate mortgage about to reset, ravaging your finances.
> * You don't have a big balance on credit cards where the interest rate could skyrocket at any moment.
> * Living beneath your means gives you a cushion to absorb temporary shocks in gas and food prices.
> more?
You dont have much more house or car than you need and may well have paid off your mortgage completely
if you in the second half of your life etc and can just carry on regardless even if we do end up with another
great depression or worse, particularly if you have moved out of the stock market a while ago now.
== 6 of 7 ==
Date: Thurs, Oct 9 2008 5:05 pm
From: "Rod Speed"
Al Bundy <MSfortune@mcpmail.com> wrote:
> timeOday wrote:
>> Recent events have me feeling I am being dragged into debt
>> involuntarily, only to prop up stocks, investment banks, and home
>> prices. Those who bought homes they couldn't afford are being
>> supported by those who didn't, punishing the frugal. This is
>> depressing.
>>
>> On the bright side, let's look at how being frugal pays off during
>> times like these.
>>
>> (I hope this doesn't come off as insensitive to retirees who are
>> watching their investments go down the tubes and savings ravaged by
>> inflation in prices for food, energy, and health care... just trying
>> to find a silver lining):
>>
>> * You aren't upside on a loan for an SUV you can no longer afford
>> either to refuel or sell.
>> * You don't have an adjustable rate mortgage about to reset, ravaging
>> your finances.
>> * You don't have a big balance on credit cards where the interest
>> rate could skyrocket at any moment.
>> * Living beneath your means gives you a cushion to absorb temporary
>> shocks in gas and food prices.
>>
>> more?
>
> Donald Trump said oil would go back to $20/bbl. T.Boone Pickens bet
> him $100K that it would never see $50 again and said that Trump should
> stick to real estate. We're only part way into this crisis and we're
> more than half way down the price ladder. Fueling the SUV might not be
> a big problem the way it's going.
> Saving your money or avoiding a credit balance won't be much
> help if the dollar is devalued and the other guy's loans are forgiven.
But will be a big help if their loans arent forgiven.
> I see very little good in all this. Perfecting one's non monetary survival skills could be very helpful.
I doubt it. We didnt see much of that during the great depression and things
wont be anything like there were then even if we do see another great
depression or worse, mainly because govts have enough of a clue not to
repeat the stupiditys that turned the wall st crash into the great depression.
== 7 of 7 ==
Date: Thurs, Oct 9 2008 5:46 pm
From: William Souden
Rod Speed wrote:
> timeOday <timeOday-UNSPAM@theknack.net> wrote:
>
>> Recent events have me feeling I am being dragged into debt involuntarily,
>> only to prop up stocks, investment banks, and home prices.
>
> Lot cheaper than bailing out the entire country when we end up with another great depression or worse.
>
>> Those who bought homes they couldn't afford are being
>> supported by those who didn't, punishing the frugal.
>
> Yes, but you get that in spades with welfare. Those that have enough of a clue
> to arrange their personal financial circumstances
meaning those of us with jobs
and employability always get
> punished when they end up paying for those who are to stupid to do that stuff.
Meaning Rod speed,lifetime welfare recipient.
>
>> This is depressing.
>
> Tad of an improvement on another great depression or worse tho.
>
>> On the bright side, let's look at how being frugal pays off during times like these.
>
> If everyone did this stuff, it would just make the economy MUCH worse.
>
>> (I hope this doesn't come off as insensitive to retirees who are watching
>> their investments go down the tubes and savings ravaged by inflation in
>> prices for food, energy, and health care... just trying to find a silver lining):
>
>> * You aren't upside on a loan for an SUV you can no longer afford either to refuel or sell.
>> * You don't have an adjustable rate mortgage about to reset, ravaging your finances.
>> * You don't have a big balance on credit cards where the interest rate could skyrocket at any moment.
>> * Living beneath your means gives you a cushion to absorb temporary shocks in gas and food prices.
>
>> more?
>
> You dont have much more house or car than you need and may well have paid off your mortgage completely
> if you in the second half of your life etc and can just carry on regardless even if we do end up with another
> great depression or worse, particularly if you have moved out of the stock market a while ago now.
>
>
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