Frugal Living: May 17, 2008

Saturday, May 17, 2008

25 new messages in 17 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: What's the best purchase you've ever made and why ?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/328770064cd1ad52?hl=en
==============================================================================

== 1 of 5 ==
Date: Fri, May 16 2008 11:47 pm
From: "Al E. Crocodile"

I wonder if some hillbilly put a curse on me and it backfired ?

that's because I have a Liberal God watching over me,

damn hillbillies always on the losing side

"FrediFizzx" <fredifizzx@hotmail.com> wrote in message
news:697cciF2vspmrU1@mid.individual.net...
> Al, I think you need to stay away from cars before your luck runs out. ;-)
>
> Fred
>
> "Al E. Crocodile" <Al@CrocsBiteaHillBillyToday.com> wrote in message
> news:9u-dnRzjn9wQ57PVnZ2dnUVZ_oninZ2d@comcast.com...
>> bought my daughter a car for $5700, she totaled it in 6 months and the
>> insurance paid me $7400 for it,
>>
>> that's a 30% annual return,
>>
>> so I bought her 6 more
>>
>>
>> bought myself a car, 2005, for $12k last august, somebody totaled me 7
>> months later, he had no insurance,I had put 10K miles on the car and they
>> paid me $12500 for it,
>> plus $12,000 for pain and suffering, found the same model in a 2007 with
>> many more options and 13,000 less miles for the same amount
>> as the 1st car, they also paid $500 for a rental car and $5000 for doctor
>> bills,$1000 for 3 days missed work
>>
>>
>>
>>
>> "Joe" <cyan999@post.com> wrote in message
>> news:8f2702cc-afb9-4964-bf0d-8425adb35b82@1g2000prg.googlegroups.com...
>>> Exlcuding anything to do with admirable things like making a
>>> charitable donation and / or paying for education (be it yours or
>>> someone elses), what so far is
>>> the best purchase you've ever made and please elaborate on why you
>>> think so.
>>>
>>>
>>>
>>
>>
>

== 2 of 5 ==
Date: Sat, May 17 2008 12:04 am
From: "Rod Speed"

Joe <cyan999@post.com> wrote:

> Exlcuding anything to do with admirable things like making a
> charitable donation and / or paying for education (be it yours
> or someone elses), what so far is the best purchase you've
> ever made and please elaborate on why you think so.

The materials for the house I built myself, physically.

Because our tax system doesnt tax the principle residence on
capital gain and that produced one hell of an income tax free
at the time that I was building it, much more than the boss
of the operation I was working for was getting at the time.

Arguably the stocks I bought well before that was a better purchase,
but that wasnt a single purchase or even a single group of purchases
at roughly the same time, essentially because I was trading in those
stocks over decades, I started doing it when still in school, quite
literally, so that doesnt really qualify for your question.

== 3 of 5 ==
Date: Sat, May 17 2008 4:12 am
From: Gary

On Fri, 16 May 2008 20:58:05 -0700 (PDT), Joe <cyan999@post.com>
wrote:

>Exlcuding anything to do with admirable things like making a
>charitable donation and / or paying for education (be it yours or
>someone elses), what so far is
>the best purchase you've ever made and please elaborate on why you
>think so.

A 1957 Ford for $200. Elaborations cost extra.

== 4 of 5 ==
Date: Sat, May 17 2008 5:05 am
From: Shawn Hirn

In article
<8f2702cc-afb9-4964-bf0d-8425adb35b82@1g2000prg.googlegroups.com>,
Joe <cyan999@post.com> wrote:

> Exlcuding anything to do with admirable things like making a
> charitable donation and / or paying for education (be it yours or
> someone elses), what so far is
> the best purchase you've ever made and please elaborate on why you
> think so.

Its am impossible question for me to answer. I can give you some very
good purchases that I am very glad I made, but picking the best from
that list? Nope, I can't do it.

Here's my list in no particular order of importance.

1. My portable GPS. It helps me avoid getting lost when I drive in
unfamiliar areas. In these days of high gas prices, I don't
like wasting gas driving around looking for places. My GPS saves
me, time, money, and gas, and it even fits easily in my backpack
for when I travel.

2. My 2008 Toyota Prius that I bought a few months ago. In researching
what new car to buy, I figured the cut-off point for financially
justifying the cost of my car was around $4.00 per gallon for gas.
I figured the gas price in my area would get to that point in a year
or two, but it looks like it will be there in two or three months.

3. My Apple MacBook Pro. I take it everywhere with me and it just
works and works and works.

4. The Toro grass trimmer I bought for my dad for Fathers Day a
few years ago. My dad is by far the most difficult person I know
to shop for. He is not a materialistic person at all. He has only
a few interests and he has what he needs. I was in Home Depot and
I saw an electric grass trimmer. I figured, what the hell, I can't
figure out what to buy him for Fathers Day so I bought him that
grass trimmer. I figured that the odds were pretty good that he
will return it, but maybe he wouldn't this time. Much to my surprise,
he loved that grass trimmer and he got so emotional when I gave it
to him that tears welled up in his eyes. I was stunned!

5. The used digital camera I gave to the 13 year old daughter of one
of my cousins for her birthday. She loved it and she is really
learning to shoot good photos, not just cheesy snapshots, with it.

6. The Canon Digital Rebel XSi camera I bought last month. I am an
avid photographer and this is the best camera I have owned.

== 5 of 5 ==
Date: Sat, May 17 2008 8:57 am
From: California Poppy

My best purchase was a recent purchase of a TV. It is a $300 Emerson
which I ordered from Walmart. It provides me with hours of
entertainment every evening. It has a built in DVD player although I
haven't used it yet (except to test that it works) so I can rent
movies from Netflix if I choose. So far, my favorite programs are on
PBS..."Nightly business Report", "California Gold", British mysteries,
etc.

==============================================================================
TOPIC: Why hot shower? Pools have cool water and ok!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/69288bc2ea817862?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, May 17 2008 12:08 am
From: Miriam

On Sat, 17 May 2008 13:02:55 +1000, Rod Speed wrote:

> Miriam <miriam.de.koenig@yahoo.com> wrote
>> Rod Speed wrote
>>> Jeffy3 <jeffy3@hotmail.com> wrote
>>>> Rod Speed <rod.speed....@gmail.com> wrote
>>>>> Bill <billnomailnosp...@yahoo.com> wrote
>
>>>>>> Why is it necessary to have a hot shower?
>
>>>>> It isnt necessary, just much more pleasant.
>
>>>>>> People jump into swimming pools which have cool water
>
>>>>> Nothing like as cool as what comes out of the tap in winter.
>
>>>>>> and find it refreshing!
>
>>>>> I thought my heart was going to stop one time I did that in very early
>>>>> spring with a full sized outside pool, the water was so damned cold.
>
>>>>>> Turn that water heater temperature down and save money...
>
>>>>> I prefer a hot shower in winter.
>
>>>> I guess if I kept my thermostadt at 85 I would like a cold shower in the morning.
>
>>> I dont when the room temp is that in the summer.
>
>> Wus!
>
> I dont whip myself in the back yard either.

Easy to claim, but the neighbours tell a different story.

== 2 of 3 ==
Date: Sat, May 17 2008 2:36 am
From: "Rod Speed"

Miriam <miriam.de.koenig@yahoo.com> wrote
> Rod Speed wrote
>> Miriam <miriam.de.koenig@yahoo.com> wrote
>>> Rod Speed wrote
>>>> Jeffy3 <jeffy3@hotmail.com> wrote
>>>>> Rod Speed <rod.speed....@gmail.com> wrote
>>>>>> Bill <billnomailnosp...@yahoo.com> wrote

>>>>>>> Why is it necessary to have a hot shower?

>>>>>> It isnt necessary, just much more pleasant.

>>>>>>> People jump into swimming pools which have cool water

>>>>>> Nothing like as cool as what comes out of the tap in winter.

>>>>>>> and find it refreshing!

>>>>>> I thought my heart was going to stop one time I did that in very early
>>>>>> spring with a full sized outside pool, the water was so damned cold.

>>>>>>> Turn that water heater temperature down and save money...

>>>>>> I prefer a hot shower in winter.

>>>>> I guess if I kept my thermostadt at 85 I would like a cold shower in the morning.

>>>> I dont when the room temp is that in the summer.

>>> Wus!

>> I dont whip myself in the back yard either.

> Easy to claim, but the neighbours tell a different story.

Never ever could lie its way out of a wet paper bag.

== 3 of 3 ==
Date: Sat, May 17 2008 5:35 am
From: "Bill"

> Temperatures of 32°C-40°C (90°-105°F) are ideal for growth. Rust (iron),
> scale, and the presence of other microorganisms can also promote the
> growth of LDB.
>

If this is the case, then why is Legionnaire's disease not running rampant
in locations like southern Arizona where the outside temperatures are
commonly in the 100's and the "cold water" is warm (in this temperature
range) most of the year?

Will Legionnaire's disease grow in chlorinated water in a closed system like
a water heater which is not open to the outside air?

I would think that Legionnaire's disease would need to be present in the
chlorinated city water system for this to occur?

Or that the chlorine in city water would kill it?

==============================================================================
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0490e7b1b1346af4?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, May 17 2008 1:25 am
From: cnsupplier2@126.com

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==============================================================================
TOPIC: //at night\\
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/56ce19831f112f4e?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, May 17 2008 2:25 am
From: n.venkatesan89@gmail.com

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==============================================================================
TOPIC: test
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/455bac0ba68d1c6d?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, May 17 2008 3:32 am
From: Al Bundy

On May 15, 4:23 pm, "OhioGuy" <n...@none.net> wrote:
> Hmm, nothing I post seems to be showing up. Can any of you see this
> message?

You are a dream killer. The Google BS filter has failed.

==============================================================================
TOPIC: Anyone ever used a whole house composting toilet?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/01e7680a70632324?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, May 17 2008 4:45 am
From: nicksanspam@ece.villanova.edu

OhioGuy" <none@none.net> wrote:

> Evidently they use evaporative technology coupled with very low flush
> toilets to essentially decrease runoff from the system to zero. In other
> words, no drainage or runoff to worry about, and no expensive septic
> system to install or maintain. It would probably still cost around
> $6,000 to get installed, but it could handle two toilets and our family
> of 4 easily.

But maybe not greywater... This NSF-certified system could do both

http://www.epa.gov/ne/assistance/ceitts/wastewater/techs/norweco.html

but it costs more ($15K?) and requires some maintenance, eg replacing
the aerator motor and adding chlorine hockey pucks.

Nick

== 2 of 2 ==
Date: Sat, May 17 2008 7:07 am
From: hchickpea@hotmail.com

On Thu, 15 May 2008 15:19:00 -0500, "OhioGuy" <none@none.net> wrote:

> Anyway, I drove there and looked it over yesterday. There was a notice on
>the front door stating that the property did not have a working sanitary
>sewer/septic system, and that due to a variety of conditions, a new one
>could not be installed on the property. Hence, no one is allowed to take
>residence. This is why the bank wants to unload it for very little, despite
>it being in a nice location. No sewer is available, because it is far
>outside the city limits in a township. No septic system generally means no
>occupancy.

Which red flag do you not see? Run, don't walk, from situations like
this.

It isn't about not being able to put in a working alternative septic
system, it is about laws and regulations. On 1/2 acre, your options
are limited. You likely won't get an alternative system approved, and
even if you do, that approval can be rescinded, modified, or revoked,
depending on political winds.

Somebody built where they shouldn't have, and the payoff has come.
The only sensible possibility is contacting the neighbors surrounding
the property to see if they would like to purchase parts or all of it
if you removed the house. Then buy it for a song, get a house mover
to take the house to inexpensive land that complies, and sell off the
land.

==============================================================================
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/521a949c7bac5261?hl=en
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== 1 of 1 ==
Date: Sat, May 17 2008 6:43 am
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==============================================================================
TOPIC: Inexpensive Life Insurance
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/072b96602551bb6a?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, May 17 2008 7:41 am
From: "SpammersDie"

"Anthony Matonak" <anthonym40@nothing.like.socal.rr.com> wrote in message
news:482dd56c$0$3362$4c368faf@roadrunner.com...
> sarge137 wrote:
> ...
>> Be careful of what you see on those TV commercials about insurance to
>> cover "final expenses". Most of the ones they talk about are
>> unsecured debts that don't pass down to your heirs, and won't be paid
>> unless your estate is large enough that you don't have to worry about
>> it anyway.
>
> Isn't it a little unethical to incur debts that you know won't
> be paid if you die?

An unsecured loan is by definition, an investment that isn't backed up by
anything more than the debtor's ability to earn future income long enough to
generate a profitable return for the investor.

The lender is paid extra interest for the risk of loaning without insured
collateral.

So I don't see what's unethical here. It's not like anyone's saying they're
borrowing unsecured funds knowing that they're going to kill themselves the
next day and leave an insolvent estate.

== 2 of 2 ==
Date: Sat, May 17 2008 9:44 am
From: hchickpea@hotmail.com

On Fri, 16 May 2008 09:44:00 -0400, cal-4-HIM@webtv.net († cal) wrote:

>
>Hello,
>
>i don't post here but am hoping you can help me.
>
>i am 65 and need to get an inexpensive live insurance plan-----just
>enough to put me in the ground so my son doesn't have to pay for it.
>
>What plan or plans do you suggest i check out?
>
>Thank you.
>
>cal

AARP has a plan, and if you search for "term life insurance" I'm sure
you'll find alternatives. I wouldn't go with pre-paid, after reading
numerous horror stories about such plans. When I go, I want to be
turned into Soylent Green, so that everybody can yell "Soylent Green
is Chickpeas!" and grab their crackers and pita bread.

==============================================================================
TOPIC: Busty dark haired woman laying on her bed and being pumped by her
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b34ea6b349c36741?hl=en
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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/f62346c1fd3ea3c4?hl=en
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3 new messages in 2 topics - digest

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

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Today's topics:

* Why hot shower? Pools have cool water and ok! - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/69288bc2ea817862?hl=en
* What's the best purchase you've ever made and why ? - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/328770064cd1ad52?hl=en

== 1 of 1 ==
Date: Fri, May 16 2008 11:28 pm
From: Logan Shaw

Bill wrote:
> Why is it necessary to have a hot shower?

I used to take a long, hot shower every morning. As hot as I could stand
it, and as long as I could make it without making myself late or something
along those lines. I loved hot showers because they were so soothing and
relaxing for aching muscles.

Finally, one day I bought a new mattress, and I discovered that for at
*least* 10 years, if not my whole life, practically, I'd had sore muscles
and a stiff neck for no good reason at all. It was the cruddy mattress
(or series of cruddy mattresses) the whole time. Oops. Live and learn.

- Logan

== 1 of 2 ==
Date: Fri, May 16 2008 11:30 pm
From: "FrediFizzx"

Al, I think you need to stay away from cars before your luck runs out.
;-)

Fred

"Al E. Crocodile" <Al@CrocsBiteaHillBillyToday.com> wrote in message
news:9u-dnRzjn9wQ57PVnZ2dnUVZ_oninZ2d@comcast.com...
> bought my daughter a car for $5700, she totaled it in 6 months and the
> insurance paid me $7400 for it,
>
> that's a 30% annual return,
>
> so I bought her 6 more
>
>
> bought myself a car, 2005, for $12k last august, somebody totaled me 7
> months later, he had no insurance,I had put 10K miles on the car and
> they paid me $12500 for it,
> plus $12,000 for pain and suffering, found the same model in a 2007
> with many more options and 13,000 less miles for the same amount
> as the 1st car, they also paid $500 for a rental car and $5000 for
> doctor bills,$1000 for 3 days missed work
>
>
>
>
> "Joe" <cyan999@post.com> wrote in message
> news:8f2702cc-afb9-4964-bf0d-8425adb35b82@1g2000prg.googlegroups.com...
>> Exlcuding anything to do with admirable things like making a
>> charitable donation and / or paying for education (be it yours or
>> someone elses), what so far is
>> the best purchase you've ever made and please elaborate on why you
>> think so.
>>
>>
>>
>
>

== 2 of 2 ==
Date: Fri, May 16 2008 11:47 pm
From: "Al E. Crocodile"

I wonder if some hillbilly put a curse on me and it backfired ?

that's because I have a Liberal God watching over me,

damn hillbillies always on the losing side

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