Frugal Living: Mar 14, 2008

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: Using laptop as full time "desktop"?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a2018c122b61360?hl=en
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== 1 of 3 ==
Date: Fri, Mar 14 2008 11:36 am
From: me@privacy.net

"Rod Speed" <rod.speed.aaa@gmail.com> wrote:

>I may get an eePC as well for ebook reading, particularly out of the house.

They have a Windows version coming out very soon

== 2 of 3 ==
Date: Fri, Mar 14 2008 11:37 am
From: me@privacy.net

Dennis <dgw80@hotmail.com> wrote:

>I recently built a PVR out of one of these:
>
>http://www.newegg.com/Product/Product.aspx?Item=N82E16856110057

Did it take a full size TV tuner card?

== 3 of 3 ==
Date: Fri, Mar 14 2008 2:36 pm
From: "Rod Speed"

me@privacy.net wrote:
> Rod Speed <rod.speed.aaa@gmail.com> wrote

>> I may get an eePC as well for ebook reading, particularly out of the house.

> They have a Windows version coming out very soon

I can do it now, but the linux version would be fine for ebook reading.

==============================================================================
TOPIC: Do U want to earn money online ? ? ?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0cf45b8bf109eb90?hl=en
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== 1 of 2 ==
Date: Fri, Mar 14 2008 11:57 am
From: "stocks.brokker"

Hi friends,

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http://stocksconcepts.blogspot.com

Regards,
Thomas
Stocks Broker

== 2 of 2 ==
Date: Fri, Mar 14 2008 1:32 pm
From: clams_casino

stocks.brokker wrote:

>Hi friends,
>
>yes, here is the way to earn money in smart way.
>

I'm much in need of a brokker. Do you take cash? I'd like to avoid
paying taxes on my gains.

==============================================================================
TOPIC: Plummeting Dollar. What now ?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/93ba3470fa978832?hl=en
==============================================================================

== 1 of 3 ==
Date: Fri, Mar 14 2008 11:59 am
From: Jeff

Noveau67@aol.com wrote:
> I'm one of those psychotic conspiracy nuts who believes that the
> dollar is being tanked on purpose, and is going to keep falling to who
> knows where, to benefit the agenda of the infamous "special interests"
> of the world.
>
> OK, whatever the motive, if any, for the dollar's weakness,

http://www.washingtonpost.com/wp-dyn/content/article/2008/03/13/AR2008031303620.html

There are a lot of reasons for the dollars weakness, it has little going
for it other than the desire of other nations to prop it up.

what can a
> frugal person do to cope with, and/or benefit from the falling
> dollar???
>
> Maybe buy Euros? How can an individual buy Euros?? Huge
> commissions ???

You may be a little late for gold, but it is still going up. I think
it's basically illegal to hold foreign currency in large amounts
although you can trade in FOREX. You may wish to look at investing in
other markets. I think the wisest thing is to do nothing rather than
stumble into something really bad. There's a lot of potential for big
losses. Even AAA paper is shaky. I'd trust most government bonds and
corporate paper though, anything not tied to mortgages. Or transportation.

Probably the best you can do is pay down your debt, if you have any.
Or invest in energy efficiency. (More efficient lighting, AC, heating,
car...) The worst things get, the better the return. I'd give the Stock
Market 6 months to a year to bottom, if you want to invest.

Jeff
>
>
>
>
>
>
>
>
>
>
>

== 2 of 3 ==
Date: Fri, Mar 14 2008 2:34 pm
From: "Rod Speed"

Jeff <jeff@spam_me_not.com> wrote
> Noveau67@aol.com wrote

>> I'm one of those psychotic conspiracy nuts who believes that the dollar is being tanked on purpose, and is going to
>> keep falling to who knows where, to benefit the agenda of the infamous "special interests" of the world.

>> OK, whatever the motive, if any, for the dollar's weakness,

> http://www.washingtonpost.com/wp-dyn/content/article/2008/03/13/AR2008031303620.html

> There are a lot of reasons for the dollars weakness, it has little
> going for it other than the desire of other nations to prop it up.

That last doesnt happen.

>> what can a frugal person do to cope with, and/or benefit from the falling dollar???

>> Maybe buy Euros? How can an individual buy Euros?? Huge commissions ???

> You may be a little late for gold, but it is still going up.

What matters is that the USD will continue to sag while ever trillions
are poured down that rat hole that Iraq has become for money.

> I think it's basically illegal to hold foreign currency in large amounts

Nope.

> although you can trade in FOREX.

You're welcome to have a foreign currency account.

> You may wish to look at investing in other markets. I think the wisest thing is to do nothing rather than stumble into
> something really bad.

More fool you.

> There's a lot of potential for big losses.

Nope, not with Euros or gold.

> Even AAA paper is shaky. I'd trust most government bonds

Trouble is that the easiest ones of those to get are in USDs.

> and corporate paper though, anything not tied to mortgages. Or transportation.

> Probably the best you can do is pay down your debt, if you have any.

Nope, not with interest rates dropping again.

> Or invest in energy efficiency. (More efficient lighting, AC, heating, car...)

Wont do as well as gold or euros and MUCH more risky than both.

> The worst things get, the better the return. I'd give the Stock Market 6 months to a year to bottom, if you want to
> invest.

We'll see.

== 3 of 3 ==
Date: Fri, Mar 14 2008 3:31 pm
From: "The Henchman"

<Noveau67@aol.com> wrote in message
news:6dbfe653-2399-422f-8414-66c8e13322f9@u10g2000prn.googlegroups.com...
> I'm one of those psychotic conspiracy nuts who believes that the
> dollar is being tanked on purpose, and is going to keep falling to who
> knows where, to benefit the agenda of the infamous "special interests"
> of the world.
>
> OK, whatever the motive, if any, for the dollar's weakness, what can a
> frugal person do to cope with, and/or benefit from the falling
> dollar???

Your debt is cheaper, so since the dollar value is falling, your dollar
works harder on debt servicing and exporting.

Since American firms make more money on exports during weaker dollar
periods, why not et into some DRIPS with Coca-Cola or IBM or Nucor Steel?

==============================================================================
TOPIC: How much is your electric bill?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/474b552ab22ee28c?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Mar 14 2008 12:49 pm
From: Jeff

Cindy Hamilton wrote:
> On Mar 13, 5:29 pm, Jeff <jeff@spam_me_not.com> wrote:
>> AllEmailDeletedImmediately wrote:
>>> "Jeff" <jeff@spam_me_not.com> wrote in message
>>> news:13tiut9hvqdf964@corp.supernews.com...
>>>> No matter how much insulation you pour into an attic if you have
>>>> uninsulated walls or a floor your heat is leaving that way. I've spent
>>>> about $250 insulating the walls with cocoon and I think it is one of the
>>>> best things I've ever done. You smaller home should be much less.
>>> what's cocoon and how is it installed?
>> http://www.cocooninsulation.com/
>>
>> It's recycled paper treated with borax to make it fire retardant and
>> insect proof. Borax is used in eye wash so the insulation is much more
>> enviro friendly than the other options. It's also the cheapest by a good
>> margin.
>>
>> It's sold compressed in bags. Each $8 bag will dense pack 32 SF of
>> wall to R13. Because it's dense, it will also stop air infiltration
>> leaks. So, if you have an old house, pre 1980, there's a good chance
>> that you have uninsulated R3 walls and this will cut heat losses there
>> by a factor of 5. It really makes a formerly unheatable room stay warm
>> even when you turn the heat off.
>>
>> You install this by drilling 1" holes above and below the firebreaks
>> in every 16" wall section (that's usually two holes per section). Cocoon
>> has nice directions on doing this. If you have sheetrock, it's dead easy
>> to drill through. If you have plaster/lath it'll be easier to cut the
>> holes outside as plaster will eat your hole saw teeth off. It's a lot of
>> holes! You plug em with a can of spray insulation and spackle over that.
>
> My walls are concrete block. The sheetrock is attached to thin
> furring
> strips and skim-coated with plaster. (The outside is faced with
> granite.)
>
> No place to put insulation without a LOT of trouble.

Well, I certainly hope you live in a temperate climate!

Jeff
>
> But it's a nice idea for a normal house.
>
> Cindy Hamilton

==============================================================================
TOPIC: Wake up people. The Fed's bailout just cost you personally $2,000.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2dc712cf824f1eb3?hl=en
==============================================================================

== 1 of 7 ==
Date: Fri, Mar 14 2008 2:41 pm
From: Zeno

On Fri, 14 Mar 2008 07:15:26 -0700 (PDT), haber14@lycos.com wrote:

>> - Show quoted text -
>
>Let that market keep sinking, should be great buys in a couple of
>months.
>
>dennis

I've been trying to decide if the lowest point is going to be before
the election or after. Any ideas?

== 2 of 7 ==
Date: Fri, Mar 14 2008 2:13 pm
From: "Guv Bob"

"Zeno" <Zeno@home.kom> wrote in message news:q5slt3t079d2d9910i87mami4du1gd9mp3@4ax.com...
> On Fri, 14 Mar 2008 07:15:26 -0700 (PDT), haber14@lycos.com wrote:
>
>
> >> - Show quoted text -
> >
> >Let that market keep sinking, should be great buys in a couple of
> >months.
> >
> >dennis
>
> I've been trying to decide if the lowest point is going to be before
> the election or after. Any ideas?

Actually, ZERO, the lowest point is your pointed head.

== 3 of 7 ==
Date: Fri, Mar 14 2008 2:13 pm
From: "Guv Bob"

<Noveau67@aol.com> wrote in message news:c02b7a89-124e-498a-88e2-631144589a35@d4g2000prg.googlegroups.com...
> Yep, another " Walk in, make a lot of quick money legally but
> unethically, then walk out and laugh when the taxpayers get screwed
> once again".
>
> And nobody in power seems to care.

Nobody cares about you, Noveau the Dumb.

== 4 of 7 ==
Date: Fri, Mar 14 2008 2:16 pm
From: stuff_stuff@comcast.net

On Fri, 14 Mar 2008 10:11:57 -0700 (PDT), Noveau67@aol.com wrote:

>Yep, another " Walk in, make a lot of quick money legally but
>unethically, then walk out and laugh when the taxpayers get screwed
>once again".
>
>And nobody in power seems to care.

As long as you remember to share 10% as campaign contributions.

== 5 of 7 ==
Date: Fri, Mar 14 2008 2:31 pm
From: "Guv Bob"

Pls stop cross-posting, morons.

<stuff_stuff@comcast.net> wrote in message news:3oqlt35o5amgbsvfiuflii8goiknt87t71@4ax.com...
> On Fri, 14 Mar 2008 10:11:57 -0700 (PDT), Noveau67@aol.com wrote:
>
> >Yep, another " Walk in, make a lot of quick money legally but
> >unethically, then walk out and laugh when the taxpayers get screwed
> >once again".
> >
> >And nobody in power seems to care.
>
>
> As long as you remember to share 10% as campaign contributions.

== 6 of 7 ==
Date: Fri, Mar 14 2008 3:51 pm
From: stuff_stuff@comcast.net

On Fri, 14 Mar 2008 21:31:14 GMT, "Guv Bob"
<brotherdave@bigfootYEEEEEEEOW.com> wrote:

>Pls stop cross-posting, morons.

After you, and when you ask nicely.

After cross posting your previous brainless message
(XTBCj.475$Id3.264@trnddc07) why do you think people should honor
your request?
>
><stuff_stuff@comcast.net> wrote in message news:3oqlt35o5amgbsvfiuflii8goiknt87t71@4ax.com...
>> On Fri, 14 Mar 2008 10:11:57 -0700 (PDT), Noveau67@aol.com wrote:
>>
>> >Yep, another " Walk in, make a lot of quick money legally but
>> >unethically, then walk out and laugh when the taxpayers get screwed
>> >once again".
>> >
>> >And nobody in power seems to care.
>>
>>
>> As long as you remember to share 10% as campaign contributions.
>

== 7 of 7 ==
Date: Fri, Mar 14 2008 3:51 pm
From: stuff_stuff@comcast.net

On Fri, 14 Mar 2008 21:13:27 GMT, "Guv Bob"
<brotherdave@bigfootYEEEEEEEOW.com> wrote:

>"Zeno" <Zeno@home.kom> wrote in message news:q5slt3t079d2d9910i87mami4du1gd9mp3@4ax.com...
>> On Fri, 14 Mar 2008 07:15:26 -0700 (PDT), haber14@lycos.com wrote:
>>
>>
>> >> - Show quoted text -
>> >
>> >Let that market keep sinking, should be great buys in a couple of
>> >months.
>> >
>> >dennis
>>
>> I've been trying to decide if the lowest point is going to be before
>> the election or after. Any ideas?
>
>Actually, ZERO, the lowest point is your pointed head.

Please stop cross posting. ;->

==============================================================================
TOPIC: Frugal Spices
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/71b901dda812b25e?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Mar 14 2008 2:11 pm
From: "Evelyn C. Leeper"

Cindy Hamilton wrote:
> On Mar 13, 3:30 pm, "Evelyn C. Leeper" <elee...@optonline.net> wrote:
>> Cindy Hamilton wrote:
>>> On Mar 13, 10:13 am, "Evelyn C. Leeper" <elee...@optonline.net> wrote:
>>>> I was reminded while shopping yesterday and talking to someone standing
>>>> in front of the Badia display in the Hispanic foods aisle that the
>>>> cheapest place to buy spices would be ethnic grocery stores
>>>> (particularly Indian grocery stores). The next cheapest seems to be
>>>> from Badia, a Hispanic foods company. Most of their spices are packaged
>>>> in cellophane bags, so you don't have to pay for a jar each time. I
>>>> just bought a half an ounce of nutmeg for fifty cents. McCormick wanted
>>>> over $2 (maybe even more--I can't remember).
>>>> (At the Indian grocery store, cumin in a bag is $1 for 10 ounces. And I
>>>> forget what the chile powder costs, but it's *real* 100% chile powder,
>>>> not the adulterated American stuff.)
>>> Adulterated? You can get 100% ground chile peppers in America, and
>>> you can get chili powder, a spice mix suitable for making chile con
>>> carne.
>>> It's a little confusing that chili powder isn't labeled "spice
>>> mix...", but there's
>>> no adulteration taking place.
>> Well, I suppose technically, but when I think "chile powder", I think
>> "powdered chiles". (Which is why my chili is always more ... exciting
>> ... than the original recipe. :-) )
>
> Certainly exciting. But chili powder has more than one type of
> powdered
> chile, along with cumin and other spices. Your chili might be lacking
> in
> depth of flavor, depending on what else you put in.

I add my own cumin, etc.

--
Evelyn C. Leeper
Heretic: someone who disagrees with you about
something neither of you knows anything about.

==============================================================================
TOPIC: How to test a "financial" advisor
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f76507f6f05aadda?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Mar 14 2008 2:46 pm
From: Al Bundy

On Mar 14, 1:18 pm, " P.O.W." <georgewsp...@humboldt1.com> wrote:
> I once had some money to invest and I listened to all the gobbibly goop
> about "wise" investing. and . I offered said advisor a deal on a Maple
> Leaf gold coin. and she said no, Like I was going to be making money on
> the deal. Well, she failed the test, like she really didn't want to see
> me profit through my "investments"
> Now, at $1000 + U.$. who is the wiser?
>

I would say the "said adviser."

== 2 of 2 ==
Date: Fri, Mar 14 2008 3:27 pm
From: "The Henchman"

" P.O.W." <georgewspamk@humboldt1.com> wrote in message
news:georgewspamk-40185D.10185714032008@sn-ip.vsrv-sjc.supernews.net...
>I once had some money to invest and I listened to all the gobbibly goop
> about "wise" investing. and . I offered said advisor a deal on a Maple
> Leaf gold coin. and she said no, Like I was going to be making money on
> the deal. Well, she failed the test, like she really didn't want to see
> me profit through my "investments"
> Now, at $1000 + U.$. who is the wiser?

Remember when Gold was $250 an oz. Of course you adjust your portfolio
every year, and since you are adjusting every year, you should very have
little gold left right?.... Because you obviously made money 3 times over.
I mean you sound really smart so I would assume you have a diversified
portfolio that doesn't have all it's eggs in one basket like GOLD.

My money is on the said advisor.

==============================================================================
TOPIC: Mens briefcase
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/14a53acb8a18a8cf?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Mar 14 2008 2:53 pm
From: Al Bundy

On Mar 14, 4:25 am, child-of-...@webtv.net († cal) wrote:
> Hello All,
>
> Where could i find a VERY reasonable mens briefcase for my son? He says
> he doesn't want any of those girl purses!!!! lol Even if i could find a
> nice used one that would be fine.
>
> Thanks for any help.

Aw common, he's just trying to act macho. He really wants a purse like
his dad. Plenty of those replica Chinese models being spammed here
cheap.

==============================================================================
TOPIC: (paypal accept)(www.all-wholesaler.com)sneaker wholesale,Air Jordan
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3f60d50139954093?hl=en
==============================================================================

== 1 of 3 ==
Date: Fri, Mar 14 2008 3:00 pm
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== 2 of 3 ==
Date: Fri, Mar 14 2008 3:02 pm
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== 1 of 1 ==
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== 1 of 1 ==
Date: Fri, Mar 14 2008 3:18 pm
From: "hallerb@aol.com"

On Mar 13, 11:26�pm, trad...@optonline.net wrote:
> On Mar 14, 12:08 am, Jeff <jeff@spam_me_not.com> wrote:
>
>
>
>
>
> > muzicia...@yahoo.com wrote:
> > > I'm in Florida. My homeowner's provider - Metlife - is non-renewing my
> > > policy, apparently pulling out of the state after the 2004 hurricanes.
>
> > > I just signed up with a policy through an independent agency with a
> > > company called Security First. After first being advised it won't
> > > require what they're calling a four-point inspection, now they're
> > > saying it will. That's an issue unto itself but...
>
> > Google yields this on 4 point inspections:
>
> >http://www.square-oneinspection.com/4x/4point.html
>
> > The Four Point Insurance Inspection consists of a visual survey of the
> > following four primary components:
>
> > � � 1. Roof
> > � � 2. Electrical
> > � � 3. HVAC System
> > � � 4. Plumbing
>
> > The insurance companies are expecting the condition of the components
> > listed above to be working as intended within the manufacturer's
> > specifications. The criteria used to judge the components include:
>
> > � � �* Current operating conditions
> > � � �* Scheduled maintenance requirements
> > � � �* Expected service life
>
> > � �Why worry about anything else, they aren't.
>
> > � �Jeff
>
> > > There are some issues with the interior of the house - I've got some
> > > of the tile pulled away in a shower stall that had some water seepage,
> > > one wall in master bed with the sheet rock removed where I repaired
> > > some carpenter ant damage. Also some holes in the sheet rock in the
> > > garage - one where I knocked it away to determine where a leak was
> > > coming from. Turned out it was just the hot water tank, also a couple
> > > of other spots where I cut out a section of sheet rock to inspect for
> > > other carpenter ant damage.
>
> > > Could this be an issue? Should I scramble to patch these things up
> > > before the inspection or is it not a concern? Otherwise the house is
> > > in decent shape. Just had a new roof (shingles and paper) put on after
> > > the hurricanes.
>
> > > What I'm also concerned with is this turning into some kind of
> > > extortion/scam - where they "find" problems that they claim need
> > > fixing and oh, they just happen to know someone who will do the work,
> > > knowing I have to have a thumbs up to get insurance coverage.
>
> I don't see why you would worry about this. �You don't even have a
> policy with them. �If they fail anything, you can choose whether to
> fix it or not and if so who you choose is entirely up to you.
>
> As for concern about passing the inspection, I'd say it's hard to
> say. � For example they could have a basic reqt that the house has to
> be CO worthy. � I think missing sheetrock in the bedroom probably
> means it's not. �Worse case they may squak about something. � Then you
> can fix it or try another company.

You dont get it, if their home doesnt pass inspection not only will
this company not insure them but no company will. Apparently like
credit reporting the info is shared on a national database of some
type......

Try to fix everything you can before the inspector comes.

or they might fail some stuff and jack up your rates a lot, in florida
they are already sky high

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