Frugal Living: Jan 12, 2008

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

misc.consumers.frugal-living@googlegroups.com

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TOPIC: Honda Civic or Toyota Corolla or Mazda, which is best????
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3262f8c1d706d9af?hl=en
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== 1 of 2 ==
Date: Fri, Jan 11 2008 12:13 pm
From: barbie gee

On Thu, 10 Jan 2008, JTEM wrote:

> JL <no...@nowheresville.biz> wrote:
>
>> Yep. Maintain the car well and keep it 10 years.
>
> Feh!
>
> I never willingly sunk a dime in maintenance into my
> Neon after the (three year) warranty period, and it
> lasted an easy 11 years.
>
> What finally killed it was rust damage to the undercarriage.
> At one point -- about a year and a half before it was
> pronounced dead -- I tried to get an alignment and couldn't.
> Everything was just so rusted that they couldn't do it.
>
> Most people OVER maintain their cars. Many people waste
> money changing their oil every four or even three thousand
> miles. Ironically, when the car companies own the cars and
> are responsable for the maintenance costs -- like with some
> leases -- twelve thousand mile oil changes are not unusual.

I suspect you wouldn't mind if your local hospital "over maintained" their
respirators or their defibrillators or other medical equipment...

== 2 of 2 ==
Date: Fri, Jan 11 2008 3:44 pm
From: "Dave L"

"JL" <noone@nowheresville.biz> wrote in message
news:1200069867_1597@sp12lax.superfeed.net...
>> I never willingly sunk a dime in maintenance into my
>> Neon after the (three year) warranty period, and it
>> lasted an easy 11 years.
>
> Didn't even change the oil? Wow. I do know people who never change their
> oil, so eventually the engine wears out due to the dirty, old oil, so then
> they have to start adding oil to it because the engine is now burning oil.
> So they add oil to it to keep it filled, so in effect, this is their "oil
> change". Oil changes are vital -- oil is not only a lubricant but also
> serves to clean the engine and cool the engine. This isn't snake oil;
> it's science/physics. If you want to hold off longer between oil changes,
> you can use synthetic oil, but keep it mind it is more expensive than
> regular oil. Plus, all the dirt, grit, and metal stay in the engine
> longer if you are using synthetic and wait 15K between oil changes. I
> prefer 5K changes with regular oil.
>
> I used to work at a place that had a delivery truck for our business. The
> manager was one of these know-it-all types. She never took the truck in
> for service. I was checking the oil one day because the engine was
> starting to run rough and was smoking, and she yelled at me to get back to
> work. The oil was so low, it wasn't even showing up on the dipstick. I
> told her the truck needed oil. She asked if the oil light was on. I said
> no. So she said it mustn't be low on oil then. So I told her that the
> oil light only comes on if there's a drop in oil pressure; it doesn't
> really indicate how much oil is in the truck. Plus I told her it IS low
> on oil if the oil doesn't show up on the dipstick. She wouldn't let me
> add any oil. The engine lasted a few more days before blowing up. She
> tried to cover it up with the District Manager. One of the first things
> he asked her was if she had been getting oil changes done on the truck.
> She lied and said yes. If she weren't such a nasty bitch, I would have
> kept my mouth shut, but I told the DM what happened.

Amazing how arrogant some people get. Did she have a job after you told the
DM?

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TOPIC: Why most small businesses fail
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== 1 of 3 ==
Date: Fri, Jan 11 2008 1:19 pm
From: Cheapo Groovo

According to the US Bureau of Labor Statistics, only 44 percent of new
establishments were still in existence 4 years after their birth!!!!

Why do most business fail?

・ Business idea was too hard for customers to understand or no
demand

・ Didn't have enough capital to start or grow the business

・ Could not do the detailed work - accounting, inventory management,
site location, marketing, etc. so their business partners/consultants
ate up their bank account

・ Competing in an oilgopolistic market gave then no chance for
success

・ Sold on bad business ideas - like the real estate infomercial
showing a Vietnamese gentleman with two gorgeous blondes at his side.

Solution: Start a business with built in downside controls. This is what
practical entrepreneurship is all about. That is the theory behind
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== 2 of 3 ==
Date: Fri, Jan 11 2008 1:41 pm
From: "Rod Speed"

Cheapo Groovo <ccsj@nospam.com> wrote:

> According to the US Bureau of Labor Statistics, only 44 percent of
> new establishments were still in existence 4 years after their birth!!!!

That doesnt mean that most small businesses fail!!!!!!

> Why do most business fail?

Because they arent viable.

> ・ Business idea was too hard for customers to understand

Fuck all fail for that reason.

> or no demand

Not enough demand, actually.

> ・ Didn't have enough capital to start or grow the business

That isnt the case with most of them.

> ・ Could not do the detailed work - accounting, inventory
> management, site location, marketing, etc. so their
> business partners/consultants ate up their bank account

Or the operation didnt generate enough income to cover those.

> ・ Competing in an oilgopolistic market gave then no chance for success

You wouldnt know what a real oligopoly was if one bit you on your lard arse.

> ・ Sold on bad business ideas - like the real estate infomercial showing
> a Vietnamese gentleman with two gorgeous blondes at his side.

That aint why they fail either.

> Solution: Start a business with built in downside controls.

Easy to say, hell of a lot harder to actually do that.

> This is what practical entrepreneurship is all about.

Nope.

> That is the theory behind Thriving in a Global Economy

Nope.

> - diversify your revenue streams, spend the most time on marketing,
> get paid in cash where you can, and set realistic goals!

Stop being stupid enough to believe that mindless slogans are what its about.

> I deliver Thriving in a Global Economy as a downloadable screencast for a tip of $3!

That shit isnt even worth $3.

> Order today and stop giving yourself false dreams!

Go and fuck yourself.

== 3 of 3 ==
Date: Fri, Jan 11 2008 4:16 pm
From: "John Weiss"

"Cheapo Groovo" <ccsj@nospam.com> wrote...
> According to the US Bureau of Labor Statistics, only 44 percent of new
> establishments were still in existence 4 years after their birth!!!!

The statistic I remember from the mid-80s is 15% after 5 years. Either they're
improving, or the 5th year is hell!

> I deliver Thriving in a Global Economy as a downloadable screencast for a tip
> of $3!

OTOH, get-rich-quick schemes didn't migrate to the web until the 90s. Still, I
don't think scams are included in the govt stats...

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== 1 of 1 ==
Date: Fri, Jan 11 2008 2:22 pm
From: Al Bundy

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TOPIC: Ways to Conserve Energy and Fuel
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/868ed969c625df45?hl=en
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== 1 of 1 ==
Date: Fri, Jan 11 2008 3:06 pm
From: Joe

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TOPIC: Easiest, simplest top loader washer that one can repair themselves?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b381e7f23e3de469?hl=en
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== 1 of 1 ==
Date: Fri, Jan 11 2008 3:51 pm
From: The Real Bev

Lou wrote:

> <me@privacy.net> wrote:
>>
>> But I live in a small town so that buying form
>> Craiglist means I have to drive tow hrs away to pickup
>> and haul back
>
> Well, I can see how a four hour drive to get a washer might be somewhat of a
> burden. On the other hand, if you buy a $400 washer and it breaks down, and
> you can repair it yourself, how many hours are you going to spend doing the
> repair - taking it apart to determine the problem, getting a replacement
> part (if one is even available, and how far will you have to drive to do
> that?), making the repair, and putting the machine back together?

OTOOH, I regard the purchase of any used appliance as problematical and
assume that it works only marginally, if at all, and set the price I'm
willing to pay accordingly. If a washing machine doesn't work, you have
a really good shot at having to empty it by hand, especially nice if you
have a full load of whites being bleached.

--
Cheers,
Bev
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
"The language of victimization is infinitely extensible." -- Me

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TOPIC: U.S. Savings bonds - red tape & use as poetry contest prize
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6ca71bd11129a88d?hl=en
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== 1 of 1 ==
Date: Fri, Jan 11 2008 4:14 pm
From: "OhioGuy"

I have good memories of US Savings bonds. Most of my relatives gave me
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died, I still felt like my great grandmother had a part in buying that ring.
Some of the other savings bonds I had purchased when I was about 12 or 13
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future.

For the past couple of years, my wife's family has been sponsoring a
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Participation in the contest was pretty low the first year, I think partly
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school, $50 was a decent prize for first place in a writing contest. Now,
not so much.

Therefore, we decided to sponsor a $100 U.S. savings bond as the grand
prize, first prize, or whatever you want to call it. It still only cost us
$50, but it was a triple digit prize, so it seems more attractive.

Anyway, here's the deal. The contest is being run in the opposite corner
of the state, where 'Grandpa' lived, and where most of my wife's family
reside. I figured it would be easiest if one of the family members there
just took our $50, gave it to a local bank, and asked them to issue a $100
savings bond when the winner showed up to claim it.

I got a letter from 'Grandma' today saying that it was a nightmare.
Evidently both of them had to be present at the same time, and signatures
had to be filed. The winner didn't show up, and it was only on the third
try that everything worked out. This is out in a rural area where people
have to drive a long way to get to the banks and such. I would have taken
care of it, but asking the winner to drive 9 hours round trip would be a bit
much.

So here's my question: is there no way that a person can simply give money
to a local bank, explain that it's for a savings bond prize, and have the
winner claim it, show ID, do paperwork & pick it up at a later time? What
I'm being told is that there is a LOT of red tape for this sort of thing
now.

As an alternative, can anyone suggest something similar to a U.S. Savings
bond that would work in a similar way, but have less red tape? Of course,
what we really like about U.S. Savings bonds is that the printed value is
twice what we pay for it. Is there anything else that is similar that
people can buy and present as gifts? Some sort of bank or State backed
bearer bond with less hassle?

The theme of the poetry contest this year is "heroes", in honor of
Superman's 70th birthday. I considered offering a share or two of my Marvel
stock, but I'm not really sure how I could pull that off, either. I own it
through scottrade, so if I sell it, I just get $. I'm not sure how I would
transfer ownership of a few shares.

Mostly, I guess I'm interested in knowing:

A) are there ways to make U.S. savings bonds less painless, and work better
for use as prizes?

B) are there better alternatives that we could use instead, with less red
tape, but which still manage to show a greater value than the upfront paid
price?

Again, I'd like something that would convey the rewards of saving, and not
just something popular like a gift card

==============================================================================
TOPIC: sell discount nike sneakers, gucci shoes, lacoste t-shirts, jeans...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2aaaeea00f60175e?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Jan 11 2008 6:06 pm
From: wholesaler

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TOPIC: Cartier Watches,Panerai watch,Breitling,Chanel Watches wholesale in
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9075bdffe0482888?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Jan 11 2008 6:48 pm
From: 86watches

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== 1 of 2 ==
Date: Fri, Jan 11 2008 6:50 pm
From: 86watches

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== 2 of 2 ==
Date: Fri, Jan 11 2008 6:50 pm
From: 86watches

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==============================================================================
TOPIC: So quiet in here. Everyone Chrismas shopping?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/14ff3a2698c21c95?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Jan 11 2008 7:20 pm
From: Terri

hchickpea@hotmail.com wrote in
news:6t32n35ge73jvtm9crv4b9tjthuv8p09n5@4ax.com:

>
> Our decision to go with a manufactured home was a huge success. The
> high levels of insulation in particular are making us happy campers.
> Unlike any other house we have owned, there are NO drafts or constant
> feeling of being cold, even in a room that supposedly is close to 80
> degrees.

>
> The first Christmas tree in years sits near the fireplace in the den,
> near the electronic piano that the group here helped us choose. The
> view is out over our own slope, the creek, and our forest running up
> the other embankment. The pool remained in Florida and hasn't been
> sucking in our dollars. We're just about broke as far as available
> money is concerned, and have a lot of unfinished projects, but without
> a mortgage, the taxes and insurance paid for a year, and a full
> larder, we're in better shape overall than we would have been with
> more money and the constant drain of a house in Florida. THIS is my
> kind of frugal living.

What's this? The Chickpeas have left the Land O' Canes?
Jeesh! Ya go away for a couple of years and everyone is suddenly doing
stuff!
It may have been mentioned somewhere in the backlog of over 4,000 posts,
but...I can't do 4,000 posts, I'm sorry. I had to start over again.

"Hey" to a lot of familiar faces though!
Waves...

Terri

==============================================================================
TOPIC: Cheap shoes on www.globwholesale.come.com
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c8016634650fe3ea?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Jan 11 2008 8:53 pm
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==============================================================================
TOPIC: Online Suspense thriller novel
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6a79388228bb6350?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Jan 11 2008 9:36 pm
From: "kgkkgsm@gmail.com"

Its a serial killer story happening on American grounds and the novel
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Hindi - http://hindionlinenovel.blogspot.com
marathi - http://marathionlinenovel.blogspot.com

The novel is written by Sunil Doiphode and published by Shivam
Prakashan Pune (June2007)

==============================================================================

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Frugal Living

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Saturday, January 12, 2008

22 new messages in 18 topics - digest