http://groups.google.com/group/misc.consumers.frugal-living?hl=en
misc.consumers.frugal-living@googlegroups.com
Today's topics:
* overdraft - 7 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/338ed10d1ea2929c?hl=en
* LAMINATE FLOORING ON BERBER CARPET - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/4530a9c2a751846c?hl=en
* 'Change' Idea - Enforce Our Immigration Laws ( Frosty Wooldridge ) - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/1822e63104a96f00?hl=en
* My Gift to You. - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/67e005b5f1cf01a8?hl=en
* When is it polite to use the word "stingy"? - 4 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/cba5dbae9d5357b6?hl=en
* ☼An Invitation ☼ - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/1fb437958c044bf1?hl=en
* storing spices - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/efd68d1cb4d477b1?hl=en
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TOPIC: overdraft
http://groups.google.com/group/misc.consumers.frugal-living/t/338ed10d1ea2929c?hl=en
==============================================================================
== 1 of 7 ==
Date: Thurs, Dec 11 2008 3:57 pm
From: The Real Bev
Jerry Trumball wrote:
> The Real Bev wrote:
>> max wrote:
>>
>>> ??? The only possible way to answer this question with authority is
>>> a painstaking reading of that specific banks account and clearing rules.
>>>
>>> But on first blush, it sounds like nonsense.
>> I was once told that the bank puts a hold on the amount of the new
>> deposit until it clears or their policy takes it off, whichever comes
>> first. Accordingly, since he didn't already have $150 in the account,
>> they held as much of it as they could.
>>
>> People with only small amounts of money in their checking accounts get
>> hosed badly, probably because they're deemed to be easier to fleece. In
>> most cases, a correct assumption.
>>
> I have heard about putting money on hold for matter of days if you buy
> gasoline, for example, with a debit card. I don't see any point except
> to rob customers with overdraft charges.
The float, while insignificant on an individual basis, adds up to big
bucks when taken over the entire customer base. They may even lose
monty with negative rates now, but I find that difficult to believel
> Suppose my nephew deposited a paycheck that bounced because the company
> was insolvent. Besides losing the value of the check, would the
> depositor have to pay the bank a fee? At all banks?
Yes. Yes. He'd have to pay a fee and if he wrote a check based on that
amount, the casher of that check would have to pay a fee. It's what,
$25 now? No longer chickenfeed.
> So maybe it's bank policy to charge a depositor $50 if a deposited check
> bounces, and maybe they put that $50 on hold for a week even if the
> check clears in six hours. There's nothing about that on their website,
> but I guess crooks don't warn their intended victims.
Hey, nobody reads the small light-grey print anyway.
--
Cheers, Bev
==============================
All bleeding eventually stops.
== 2 of 7 ==
Date: Thurs, Dec 11 2008 4:07 pm
From: "Rod Speed"
The Real Bev <bashley101+M@gmail.com> wrote:
> Jerry Trumball wrote:
>> The Real Bev wrote:
>>> max wrote:
>>>
>>>> ??? The only possible way to answer this question with authority
>>>> is a painstaking reading of that specific banks account and clearing
>>>> rules. But on first blush, it sounds like nonsense.
>>> I was once told that the bank puts a hold on the amount of the new
>>> deposit until it clears or their policy takes it off, whichever
>>> comes first. Accordingly, since he didn't already have $150 in the
>>> account, they held as much of it as they could.
>>>
>>> People with only small amounts of money in their checking accounts
>>> get hosed badly, probably because they're deemed to be easier to
>>> fleece. In most cases, a correct assumption.
>>>
>> I have heard about putting money on hold for matter of days if you
>> buy gasoline, for example, with a debit card. I don't see any point
>> except to rob customers with overdraft charges.
>
> The float, while insignificant on an individual basis, adds up to big bucks when taken over the entire customer base.
> They may even lose
> monty with negative rates now, but I find that difficult to believel
They cant lose monty, they have him changed to the wall, silly.
>> Suppose my nephew deposited a paycheck that bounced because the company was insolvent. Besides losing the value of
>> the check, would the depositor have to pay the bank a fee? At all banks?
> Yes. Yes. He'd have to pay a fee and if he wrote a check based on that amount, the casher of that check would have
> to pay a fee. It's what, $25 now? No longer chickenfeed.
>> So maybe it's bank policy to charge a depositor $50 if a deposited
>> check bounces, and maybe they put that $50 on hold for a week even if the check clears in six hours. There's nothing
>> about that on
>> their website, but I guess crooks don't warn their intended victims.
> Hey, nobody reads the small light-grey print anyway.
Specially those in their dotage with coke bottle end glasses they got cheap from china.
== 3 of 7 ==
Date: Thurs, Dec 11 2008 6:28 pm
From: The Real Bev
Rod Speed wrote:
> The Real Bev <bashley101+M@gmail.com> wrote:
>>
>> Hey, nobody reads the small light-grey print anyway.
>
> Specially those in their dotage with coke bottle end glasses they got cheap from china.
My last ones came from Mexico. My friend gets glasses whenever he goes
to China and his are MUCH nicer than mine.
--
Cheers, Bev
==============================
All bleeding eventually stops.
== 4 of 7 ==
Date: Thurs, Dec 11 2008 7:24 pm
From: phil scott
On Dec 11, 10:00 am, Jerry Trumball <J...@privacy.com> wrote:
> The Real Bev wrote:
> > max wrote:
>
> >> ??? The only possible way to answer this question with authority is
> >> a painstaking reading of that specific banks account and clearing rules.
>
> >> But on first blush, it sounds like nonsense.
>
> > I was once told that the bank puts a hold on the amount of the new
> > deposit until it clears or their policy takes it off, whichever comes
> > first. Accordingly, since he didn't already have $150 in the account,
> > they held as much of it as they could.
>
> > People with only small amounts of money in their checking accounts get
> > hosed badly, probably because they're deemed to be easier to fleece. In
> > most cases, a correct assumption.
>
> I have heard about putting money on hold for matter of days if you buy
> gasoline, for example, with a debit card. I don't see any point except
> to rob customers with overdraft charges.
>
> Suppose my nephew deposited a paycheck that bounced because the company
> was insolvent. Besides losing the value of the check, would the
> depositor have to pay the bank a fee? At all banks?
>
> So maybe it's bank policy to charge a depositor $50 if a deposited check
> bounces, and maybe they put that $50 on hold for a week even if the
> check clears in six hours. There's nothing about that on their website,
> but I guess crooks don't warn their intended victims.- Hide quoted text -
>
> - Show quoted text -
Ive been hosed by several major banks on such scams...
I need an account to cash my clients checks..
but have no
credit, or debit card on the account and no checks. I buy money
orders when I need to.
they try real hard to get me to sign up for a credit card or
checks...these over draft charges of 35 dollars are a pure rip off,
especially on a 5 dollar check... they set up the deposit timing,
holds and the order of processing your checks so that it maxes the
number that will bounce.
that was a news story a few years ago.
Phil scott
== 5 of 7 ==
Date: Thurs, Dec 11 2008 7:30 pm
From: phil scott
On Dec 11, 12:16 pm, Jerry Trumball <J...@privacy.com> wrote:
> JR Weiss wrote:
> > "Jerry Trumball" <J...@privacy.com> wrote
> >> My nephew had $80 in his checking account.
> >> He deposited another $150.
>
> >> Then he wrote checks totaling $60.
> >> He got overdraft notices for those checks.
>
> >> He didn't understand. Neither did his mother. She went to the bank with him.
> >> The teller said they'd let it go this time, but next time he would have to pay
> >> because it's bank policy. He and his mother still don't understand.
>
> >> What's the bank doing?
>
> > Where is the bank? Where are the banks on which the deposited checks were
> > written?
>
> > What was the time frame for his check writing?
>
> > What is the bank's written policy regarding availability of funds?
>
> I got a copy of the letter his mother wrote to the bank. My figures
> were wrong, but the principle is the same.
>
> He had $60 in his account.
> He deposited $300.
> He made several purchases totaling $45.
> He was charged $150 in overdraft fees.
> The bank refunded those fees as a one-time courtesy.
>
> Before writing to the bank, she checked their literature. The only
> mention of overdraft fees is for returned checks. There was no returned
> check.
>
> I can imagine what happened. I'll bet he used a debit card. At one
> time, a debit card would be refused for insufficient funds. The banking
> industry quietly switched over, approving such purchases in order to
> charge hefty overcharge fees.
>
> Still, how did he overcharge by spending $45 from an account with $360?
> Banks cheat you by keeping a deposit on hold even after the check
> clears. Still, there was $60. But if he bought $1 worth of gasoline,
> they may have put $100 on hold for 48 hours or so, resulting in an
> overdraft charge for every purchase made in that period. I wonder of
> money is put on hold for purchases besides gasoline.
>
> Crooks. Is it the same bunch who got $700 billion for bringing down
> Wall Street?- Hide quoted text -
>
> - Show quoted text -
yes, thats the scam alright....
Phil scott
== 6 of 7 ==
Date: Thurs, Dec 11 2008 7:31 pm
From: phil scott
On Dec 11, 6:28 pm, The Real Bev <bashley10...@gmail.com> wrote:
> Rod Speed wrote:
> > The Real Bev <bashley10...@gmail.com> wrote:
>
> >> Hey, nobody reads the small light-grey print anyway.
>
> > Specially those in their dotage with coke bottle end glasses they got cheap from china.
>
> My last ones came from Mexico. My friend gets glasses whenever he goes
> to China and his are MUCH nicer than mine.
>
> --
> Cheers, Bev
> ==============================
> All bleeding eventually stops.
I gotts my reading glasses from the 99 cent store... they work great,
I have 20 pair now,
== 7 of 7 ==
Date: Thurs, Dec 11 2008 10:22 pm
From: The Real Bev
phil scott wrote:
> On Dec 11, 6:28 pm, The Real Bev <bashley10...@gmail.com> wrote:
>> Rod Speed wrote:
>>> The Real Bev <bashley10...@gmail.com> wrote:
>>>> Hey, nobody reads the small light-grey print anyway.
>>> Specially those in their dotage with coke bottle end glasses they got cheap from china.
>> My last ones came from Mexico. My friend gets glasses whenever he goes
>> to China and his are MUCH nicer than mine.
>
> I gotts my reading glasses from the 99 cent store... they work great,
> I have 20 pair now,
I probably have almost that many, but I can only wear them with my
contacts. Astigmatism is a bitch -- if I didn't have it I could
probably use +3 readers for distance glasses.
I love the 99-Cents-Only Store.
--
Cheers, Bev
==============================
All bleeding eventually stops.
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TOPIC: LAMINATE FLOORING ON BERBER CARPET
http://groups.google.com/group/misc.consumers.frugal-living/t/4530a9c2a751846c?hl=en
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== 1 of 1 ==
Date: Thurs, Dec 11 2008 3:58 pm
From: gheston@hiwaay.net (Gary Heston)
In article <45be5fb3-3506-478c-a35f-e5bbf5270e80@v42g2000yqj.googlegroups.com>,
ROBERTMARKMAN@SBCGLOBAL.NET <ROBERTMARKMAN@SBCGLOBAL.NET> wrote:
>I am gearing up to lay laminate flooring in my living room, dining
>room, and hall. I live one floor up in a 42 year old condo. The
>subfloor is concrete slab covered with padding and berber carpet. Can
>I install the laminate over the berber carpet?
Only if you want to do it over in 4-6 weeks. That's not anywhere near
an adequate base for laminate.
> If so, would I need to
>install a vapor barrier between the carpet and the laminate? Thanks.
You'll need a vapor barrier in any case, but the carpet and pad have to
go, first. Here's some info on how to install laminate flooring:
http://www.doityourself.com/scat/laminateinstallation
The home centers that sell the stuff should have instructions, and may
have classes on how to install it. Ask them.
Gary
--
Gary Heston gheston@hiwaay.net http://www.thebreastcancersite.com/
"Behind every successful woman there is an astonished man"
General of the Army (four stars) Ann Dunwoody
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TOPIC: 'Change' Idea - Enforce Our Immigration Laws ( Frosty Wooldridge )
http://groups.google.com/group/misc.consumers.frugal-living/t/1822e63104a96f00?hl=en
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== 1 of 1 ==
Date: Thurs, Dec 11 2008 4:02 pm
From: "Rod Speed"
hpope@lycos.com wrote
> jazzerci...@hotmail.com (-) wrote
>> http://www.rense.com/general84/imm.htm
>> 'Change' Idea - Enforce Our Immigration Laws
>> By Frosty Wooldridge
>> 12-9-8
>> Never in the history of the world has one country, the United States of America,
>> absorbed so many immigrants from around the world-into the tens of millions.
Pig ignorant lie.
>> However, no other country ever tolerated or survived over 20
>> million ILLegal alien migrants like the U.S. in the past 20 years.
Another pig ignorant lie.
>> Finally, U.S. citizens find their country filled up, out of water,
>> lacking energy and suffering unsolvable problems.
Another pig ignorant lie.
<reams of other even sillier pig ignorant lies flushed where they belong>
==============================================================================
TOPIC: My Gift to You.
http://groups.google.com/group/misc.consumers.frugal-living/t/67e005b5f1cf01a8?hl=en
==============================================================================
== 1 of 2 ==
Date: Thurs, Dec 11 2008 4:03 pm
From: "Rod Speed"
'nam vet. <georgewkspam@humboldt1.com> wrote:
> "Your Life is in your hands. No matter where you are now, You can begin
> to consciously choose your thoughts and you can change your life."
> visit "The Secret" www.thesecret.tv
Get stuffed.
> IMHO
Why should anyone care about your hairy opinions ?
== 2 of 2 ==
Date: Thurs, Dec 11 2008 4:44 pm
From: MSfortune@mcpmail.com
On Dec 11, 2:55 pm, "'nam vet." <georgewks...@humboldt1.com> wrote:
> "Your Life is in your hands. No matter where you are now, You can begin
> to consciously choose your thoughts and you can change your life."
>
> visit "The Secret"www.thesecret.tv
>
> IMHO
> --
> When the Power of Love,replaces the Love of Power.
> that's Evolution.
I'm all for being positive, but platitudes don't cut it.
==============================================================================
TOPIC: When is it polite to use the word "stingy"?
http://groups.google.com/group/misc.consumers.frugal-living/t/cba5dbae9d5357b6?hl=en
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== 1 of 4 ==
Date: Thurs, Dec 11 2008 8:09 pm
From: lenona321@yahoo.com
(I posted the following at the alt.fan.miss-manners newsgroup, but it
wasn't as productive as I'd hoped.)
That is, it seems to me that all too often, those who describe a
person or organization as "stingy" are just being pushy and grabby.
After all, it's not "rude" for parents to give only the basics of
food, clothing, shelter and school supplies to their kids, especially
since they might be simply trying to encourage their kids to work for
what they want, so what real right do kids have even to THINK of their
parents as stingy?
Now, if we're talking about struggling homeless people and what
they're not getting in terms of government help, that's different.
Otherwise, I'm not sure it's really an acceptable word.
http://groups.google.com/group/alt.fan.miss-manners/browse_thread/thread/2f8ebdb500fc2f8b#
(semi-productive thread that followed this question)
Follow-up question:
OK, so I guess my question now is, what are the general rules about
when is it fair/polite to use a pejorative to describe someone's
controlled spending habits?
Lenona.
== 2 of 4 ==
Date: Thurs, Dec 11 2008 8:28 pm
From: Vic Smith
On Thu, 11 Dec 2008 20:09:23 -0800 (PST), lenona321@yahoo.com wrote:
>
>OK, so I guess my question now is, what are the general rules about
>when is it fair/polite to use a pejorative to describe someone's
>controlled spending habits?
>
Sort of depends of whether or not they believe in voluntary
simplicity.
But aside from that, I have a general rule.
If parents pay their kids a quarter to skip dinner, then charge them a
quarter for breakfast, that's frugal.
If they charge that same quarter for breakfast, but are only willing
to spend 15 cents on the skip dinner part, that's downright stingy.
Might even call it "profiteering."
That may seem overly critical on my part, but you have to draw a line
somewhere.
YMMV.
--Vic
== 3 of 4 ==
Date: Thurs, Dec 11 2008 10:49 pm
From: "Rod Speed"
lenona321@yahoo.com wrote
> (I posted the following at the alt.fan.miss-manners
> newsgroup, but it wasn't as productive as I'd hoped.)
> That is, it seems to me that all too often, those who describe a
> person or organization as "stingy" are just being pushy and grabby.
Neither of those are anything like stingy.
> After all, it's not "rude" for parents to give only the basics
> of food, clothing, shelter and school supplies to their kids,
Thats not what rude is about either. It might well be unacceptable or undesirable tho.
> especially since they might be simply trying to encourage their kids to work for what they want,
Obviously the reason they are doing that is what matters.
> so what real right do kids have even to THINK of their parents as stingy?
When they parents are stingy, they have every right.
> Now, if we're talking about struggling homeless people and what
> they're not getting in terms of government help, that's different.
> Otherwise, I'm not sure it's really an acceptable word.
Depends on how you feel about pejoratives and how you feel about calling a spade a spade.
> http://groups.google.com/group/alt.fan.miss-manners/browse_thread/thread/2f8ebdb500fc2f8b#
> (semi-productive thread that followed this question)
> Follow-up question:
> OK, so I guess my question now is, what are the general rules about when is
> it fair/polite to use a pejorative to describe someone's controlled spending habits?
Its never polite to use any pejoritive.
It is fair if its accurate.
== 4 of 4 ==
Date: Thurs, Dec 11 2008 11:54 pm
From: lenona321@yahoo.com
On Dec 12, 1:49 am, "Rod Speed" <rod.speed....@gmail.com> wrote:
> lenona...@yahoo.com wrote
>
> > (I posted the following at the alt.fan.miss-manners
> > newsgroup, but it wasn't as productive as I'd hoped.)
> > That is, it seems to me that all too often, those who describe a
> > person or organization as "stingy" are just being pushy and grabby.
>
> Neither of those are anything like stingy.
I think you're confusing the accuser with the accusee.
Lenona.
==============================================================================
TOPIC: ☼An Invitation ☼
http://groups.google.com/group/misc.consumers.frugal-living/t/1fb437958c044bf1?hl=en
==============================================================================
== 1 of 1 ==
Date: Thurs, Dec 11 2008 10:34 pm
From: "H.Aries"
Dear Friends,
Our Club is recruiting New Members for limited Candidates who are
Trustworthy
and Earnestly Interested in Building Wealth for himself or family.
Give yourself a chance!!
Welcome to our Club; spend some time with us
through: http://www.generatemoneyguaranteed.com
MISSION STATEMENT®
• Assuring Quality, Reliability and Service for Society.
• Continuity in Creating an Empowered Team and Learning Workforce.
• Enhancing Trust and Quality of life for our Community.
==============================================================================
TOPIC: storing spices
http://groups.google.com/group/misc.consumers.frugal-living/t/efd68d1cb4d477b1?hl=en
==============================================================================
== 1 of 2 ==
Date: Thurs, Dec 11 2008 10:43 pm
From: Samatha Hill -- take out TRASH to reply
Jack Ricci wrote:
> I buy very good quality spices from a small ethnic grocery store. The
> spices come in small pouches made of cellophane that fall apart when you
> open them. I would like to store them in small containers that I could
> reseal and that would keep the spices' flavor until needed. I realize
Use snack-size ziplock baggies if they are small packets or
sandwich-size if they are not; stick a piece of paper with what it is in
with it and store in the freezer.
== 2 of 2 ==
Date: Thurs, Dec 11 2008 11:40 pm
From: meow2222@care2.com
Jack Ricci:
I buy very good quality spices from a small ethnic grocery store. The
spices come in small pouches made of cellophane that fall apart when
you
open them. I would like to store them in small containers that I
could
reseal and that would keep the spices' flavor until needed. I realize
that spices get stale quite fast, but still I would like to keep them
for a reasonable period of time.
Any suggestions? Thank you.
Best to stick with glass. Plastic pots, and worse plastic bags, let
some of the key flavour elements in some spices slowly permeate out.
Spice bags fit in empty mustard pots, jam jars etc. Stuff keeps a
decade like that.
NT
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