Saturday, August 9, 2008

25 new messages in 8 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:

* Some say 'Knowledge is power'... and a way to make a living. - 2 messages, 2
authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8fb9fc6e8757602?hl=en
* To juice or not. - 8 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb065ec0061ab7cd?hl=en
* Airport parking - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a3ffd0586c7477dd?hl=en
* Frugal ideas - 4 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b0fb633415061f1d?hl=en
* Inflate yo tires? the Pledge - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3091ed9d02910976?hl=en
* Algodones dentists? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6d2cb9598c481755?hl=en
* Ice maker and Murphy's law - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d5ecd233e5ccc9be?hl=en
* The leeches are reaching for more - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c1f04e2aa1094da5?hl=en

==============================================================================
TOPIC: Some say 'Knowledge is power'... and a way to make a living.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8fb9fc6e8757602?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Aug 8 2008 10:41 pm
From: phil scott


On Aug 7, 7:31 pm, "AllEmailDeletedImmediately" <der...@hotmail.com>
wrote:
> "phil scott" <p...@philscott.net> wrote in message
>
> news:44f1c1be-d9a5-48b0-9ecf-67f72ee4f601@a8g2000prf.googlegroups.com...
> On Aug 7, 9:34 am, "AllEmailDeletedImmediately" <der...@hotmail.com>
> wrote:
>
> > "phil scott" <p...@philscott.net> wrote in message
>
> >news:8c67cb38-189f-4ed8-a180-d7981877ba2f@r15g2000prh.googlegroups.com...>
> > That prompted the following.
>
> > snip
>
> > > For example is you are an engineer and become a tradesman you get a
> > > fairly good match of insight and capability.. or even better if you
> > > can operate as an engineer.
>
> > dh is an engineer; what trade do you suggest he learn? :-)
>
> its up to him mon.
>
> Trades by hourly rate in order:
>
> Electrical controls, industrial, programmable,,PLC's etc  pays $120++
> per hour free lance... 50 or 60 dollars for a wage position.  You have
> to be sharp.  (about half my work these days)
>
> Electrical contracting ...industrial pays 75+ per hour.. thats just
> wiring and simple motor controls
>
> Home wiring a lot less, can bottom out in the 40 dollar range free
> lance.
>
> he's a broadcast engineer, but was an electronics tech in the navy, so
> he's well versed in both computers and electrical.
>
> for mech engrs.
>
> HVAC commcl ind, service pays 95+.. but its hard work.
> Residential hvac a lot less 75 or less
>
> oldest son did a/c, but is now self employed with division
> 8 commercial installations.   still does a little a/c on the side
> to keep up.
>
> handyman work in homes pays about 50 dollars an hour.
> thats anything ... fixing sinks, fences, doors and toilets
>
> that's dh.
>
> Those are west coast rates... lower as you go inland, bottom is in
> Florida, parts of texas and california not much better... (inland
> areas)  (rates are less than a third of california's best locations.
> (coastal areas, SF, LA, Portland etc)
>
> pa and sc
>
> **
> Marketing most efficient by Craigs list and also cold calling
> businesses
> with a card or sticker... 8 hours of cold calling will produce about
> 400
> dollars of work directly arranged that day, and about 2,000 on average
> over
> the next month or so.
>
> Cold calling one day a week for a few months will have you flush with
> more work than
> you and two helpers can do....  those stats will go south some as the
> economy tanks.
>
> ***
> Engineering in this area on a wage pays between 25 dollars and 40
> dollars an hour with the 40 dollar jobs getting scarce fast unless you
> are established manager.. not too many of those
> these days, they max at about 60 dollars an hour average... rare
> specialties higher of course.
>
> those are 10-12 hours per day jobs if you count the hour wasted for
> lunch and time it takes to
> put on the monkey suit properly and drive to work.   (with trade work
> you bill for the travel time).
>
> you really are an engineer, aren't you?   they tend to be extremely
> focused, which is a good thing :)
>
> Phil scott

yes, Im an ME with digital controls capability. Its not going badly
lately, it was earlier. I had to learn a new game plan. Shortly I
believe the economy is going to go
utterly south.. then it will pay to know all the angles and have
staged to optimize them.

That approach might keep a good man in steaks or at least the
occasional hamburger... if
overhead is low also.

I dont think
many folks have fathomed just how deep a hole we are in
economically..its a world stage
now, the work is moved to china etc.. not a lot in the US relative to
the talent available...
in order to compete in a world market those rates are going down, ..as
the dollar is worth
less and less. double trouble...

search youtube and google for 'prime mortgage loan trouble'... etc.
thats already double from last year 11% or so deliquent..and projected
to triple in the next few months...that pressure will take out a lot
of retail and food sales etc.. a domino effect.

Yes focus is a good thing in some ways, it deprives a person of much
human sensitivity though and that is not a good thing at all.

Phil scott

== 2 of 2 ==
Date: Sat, Aug 9 2008 1:33 am
From: "Rod Speed"


phil scott <phil@philscott.net> wrote:
> On Aug 7, 7:31 pm, "AllEmailDeletedImmediately" <der...@hotmail.com>
> wrote:
>> "phil scott" <p...@philscott.net> wrote in message
>>
>> news:44f1c1be-d9a5-48b0-9ecf-67f72ee4f601@a8g2000prf.googlegroups.com...
>> On Aug 7, 9:34 am, "AllEmailDeletedImmediately" <der...@hotmail.com>
>> wrote:
>>
>>> "phil scott" <p...@philscott.net> wrote in message
>>
>>> news:8c67cb38-189f-4ed8-a180-d7981877ba2f@r15g2000prh.googlegroups.com...>
>>> That prompted the following.
>>
>>> snip
>>
>>>> For example is you are an engineer and become a tradesman you get a
>>>> fairly good match of insight and capability.. or even better if you
>>>> can operate as an engineer.
>>
>>> dh is an engineer; what trade do you suggest he learn? :-)
>>
>> its up to him mon.
>>
>> Trades by hourly rate in order:
>>
>> Electrical controls, industrial, programmable,,PLC's etc pays $120++
>> per hour free lance... 50 or 60 dollars for a wage position. You have
>> to be sharp. (about half my work these days)
>>
>> Electrical contracting ...industrial pays 75+ per hour.. thats just
>> wiring and simple motor controls
>>
>> Home wiring a lot less, can bottom out in the 40 dollar range free
>> lance.
>>
>> he's a broadcast engineer, but was an electronics tech in the navy,
>> so he's well versed in both computers and electrical.
>>
>> for mech engrs.
>>
>> HVAC commcl ind, service pays 95+.. but its hard work.
>> Residential hvac a lot less 75 or less
>>
>> oldest son did a/c, but is now self employed with division
>> 8 commercial installations. still does a little a/c on the side
>> to keep up.
>>
>> handyman work in homes pays about 50 dollars an hour.
>> thats anything ... fixing sinks, fences, doors and toilets
>>
>> that's dh.
>>
>> Those are west coast rates... lower as you go inland, bottom is in
>> Florida, parts of texas and california not much better... (inland
>> areas) (rates are less than a third of california's best locations.
>> (coastal areas, SF, LA, Portland etc)
>>
>> pa and sc
>>
>> **
>> Marketing most efficient by Craigs list and also cold calling
>> businesses
>> with a card or sticker... 8 hours of cold calling will produce about
>> 400
>> dollars of work directly arranged that day, and about 2,000 on
>> average over
>> the next month or so.
>>
>> Cold calling one day a week for a few months will have you flush with
>> more work than
>> you and two helpers can do.... those stats will go south some as the
>> economy tanks.
>>
>> ***
>> Engineering in this area on a wage pays between 25 dollars and 40
>> dollars an hour with the 40 dollar jobs getting scarce fast unless
>> you are established manager.. not too many of those
>> these days, they max at about 60 dollars an hour average... rare
>> specialties higher of course.
>>
>> those are 10-12 hours per day jobs if you count the hour wasted for
>> lunch and time it takes to
>> put on the monkey suit properly and drive to work. (with trade work
>> you bill for the travel time).
>>
>> you really are an engineer, aren't you? they tend to be extremely
>> focused, which is a good thing :)

> yes, Im an ME with digital controls capability. Its not going
> badly lately, it was earlier. I had to learn a new game plan.

> Shortly I believe the economy is going to go utterly south..

More fool you.

> then it will pay to know all the angles and have staged to optimize them.

That wont help you if it really does.

> That approach might keep a good man in steaks or at
> least the occasional hamburger... if overhead is low also.

You wont starve even if the worst does happen.

> I dont think many folks have fathomed just how deep a hole we are in economically..

The US isnt even in a technical recession.

> its a world stage now, the work is moved to china etc..

Plenty of it never can.

> not a lot in the US relative to the talent available...

Have fun explaining how come virtually every single full commercialisation
of new technology happens there first, and has continued to do that.

> in order to compete in a world market those rates are going down,
> ..as the dollar is worth less and less. double trouble...

A sagging dollar HELPS exports, stupid.

> search youtube and google for 'prime mortgage loan trouble'... etc.

Just because some fools claim it doesnt make it gospel.

The US survived the great depression and can survive another just as easily.

In fact the impact would be much less severe than that one was, just
because the welfare safetynet is so much more effective than it was then.

> thats already double from last year 11% or so deliquent..

The S&L fiasco was survived fine, and so will this fiasco too.

> and projected to triple in the next few months...

Anyone can pluck numbers out of their arse.

> that pressure will take out a lot of retail and food sales etc..

Nope. The bulk of them will just hand over the keys and carry on regardless.

The holders of the mortgages will certainly have some
problems, but depositors funds are federally guaranteed.

> a domino effect.

We've survived plenty of those in the past and will do so again.

> Yes focus is a good thing in some ways, it deprives a person of
> much human sensitivity though and that is not a good thing at all.

Wrong again.



==============================================================================
TOPIC: To juice or not.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb065ec0061ab7cd?hl=en
==============================================================================

== 1 of 8 ==
Date: Sat, Aug 9 2008 2:59 am
From: clams_casino


Pan wrote:

>
>
>
>Market is up, compared to Clinton years.
>
>I may be stupid
>

No doubt about it. S&P 500 is actually DOWN 3% and Nasdaq is DOWN 13%
since the day GW was placed into office. The Dow portion is up by a
whopping 11% over 7-1/2 years (1.5%/yr) - less than any CD (2.65% of
that was just yesterday).


You do have a big problem with facts. Guess that's why you believe all
the GW (Rush, Beck, O'Reiley, FoxNews, etc) rhetoric.

Did you know the word gullible is not found in any major spell check
program or dictionary?

== 2 of 8 ==
Date: Sat, Aug 9 2008 10:15 am
From: Pan


On Fri, 08 Aug 2008 21:17:08 -0500, max <betatron@earthlink.net>
wrote:

>In article <5arp94hc9bp4gr6are17nkc4sfkrib2k3n@4ax.com>,
> Pan <ohco@hotmail.com> wrote:
>
>> Federal surplus? You mean additional income from a one time sale, and
>> a national debt, is not a surplus. Dot com bust, creating a recession,
>> is not a surplus.
>
>The dot com bubble was wholly and exclusively the result of free market
>capitalists.
>
>> Market is up, compared to Clinton years.
>>
>> I may be stupid but I live well, because of the GOP, and their basic
>> economics.
>
>Exactly the ones responsible for the dot com bust.

Check your time line Max

== 3 of 8 ==
Date: Sat, Aug 9 2008 10:20 am
From: Pan


On Sat, 09 Aug 2008 05:59:15 -0400, clams_casino
<PeterGriffin@DrunkinClam.com> wrote:

>No doubt about it. S&P 500 is actually DOWN 3% and Nasdaq is DOWN 13%
>since the day GW was placed into office. The Dow portion is up by a
>whopping 11% over 7-1/2 years (1.5%/yr) - less than any CD (2.65% of
>that was just yesterday).

Tell me where it was in the last six years.
Some of us saw the housing bubble bust coming, and made secure
investment.
>
>
>You do have a big problem with facts.
Just the one that you point to, only the ones you like, not the
majority of the ones available.

> Guess that's why you believe all
>the GW (Rush, Beck, O'Reiley, FoxNews, etc) rhetoric.
I do my own research. That's why I make money in the market.
>
>Did you know the word gullible is not found in any major spell check
>program or dictionary?

And in your, I'm betting foolish is missing.

== 4 of 8 ==
Date: Sat, Aug 9 2008 2:00 pm
From: clams_casino


Pan wrote:

>On Sat, 09 Aug 2008 05:59:15 -0400, clams_casino
><PeterGriffin@DrunkinClam.com> wrote:
>
>
>
>>No doubt about it. S&P 500 is actually DOWN 3% and Nasdaq is DOWN 13%
>>since the day GW was placed into office. The Dow portion is up by a
>>whopping 11% over 7-1/2 years (1.5%/yr) - less than any CD (2.65% of
>>that was just yesterday).
>>
>>
>
>Tell me where it was in the last six years.
>
>

OK. I'm beginning to understand. Since you've only started investing
within the last six years, it's becoming evident that you are way too
young to have lived the good times in the Clinton years.

On the other hand, considering your obvious illusions about the Bush
years, somehow I've very doubtful you timed significant investments at
the trough.


Hint - "Clinton presided over the longest period of peace-time economic
expansion in American history, which included a balanced budget and a
reported federal surplus (Based on Congressional accounting rules, at
the end of his presidency Clinton reported a surplus of $559 billion)"

and as Forbes points out - " The misery index - the sum of the inflation
and unemployment rates - is at a 15-year high, with no relief in sight."

>Some of us saw the housing bubble bust coming, and made secure
>investment.
>
>
>>
>>

Another boondoggle for the current administration. It's well known that
the housing bubble was primarily caused by the artificially low interest
rates that were brought upon by the Fed in a desperate attempt to revive
the poor economy brought about by the poor Bush policies. In reality,
investors / business didn't take the bait where that cheap money went
into housing, not into business expansion, as intended.

>>You do have a big problem with facts.
>>
>>
>Just the one that you point to, only the ones you like, not the
>majority of the ones available.
>
>

I've already pointed out several (not all), but just found out since I
clipped rec.food.cooking in several of my responses, it appears you
never saw them.

>
>
>> Guess that's why you believe all
>>the GW (Rush, Beck, O'Reiley, FoxNews, etc) rhetoric.
>>
>>
>I do my own research. That's why I make money in the market.
>
>

If you just started, it's possible you've made a few dollars. On the
other hand, you seem to think a few percent return is "making money".
Furthermore, inflation has essentially wiped out all of the negligible
returns in the Bush years. About the only way to have made money in
the Bush years would have been to invest heavily into oil / energy.
Hmm, I wonder if Bush / Cheney had anything to do with that?


== 5 of 8 ==
Date: Sat, Aug 9 2008 6:59 pm
From: "Gregory Morrow"

Marsha wrote:

> clams_casino wrote:
> > http://en.wikipedia.org/wiki/Movement_to_impeach_George_W._Bush
> >
> > "On June 9, 2008, Dennis Kucinich gave official notice of his intention
> > to introduce 35 articles of impeachment against George W. Bush to the
> > U.S. House of Representatives. On June 10, 2008, as Congressman Robert
> > Wexler joined Kucinich as co-sponsor of the resolution. The House voted
> > 251 to 166 to refer the impeachment resolution to the Judiciary
> > Committee on July 25."
> >
> > "Proponents of impeaching Bush assert that one or more of his actions
> > qualify as "high crimes and misdemeanors" under which the president can
> > constitutionally be impeached."
>
> Dennis Kucinich is a sore loser who's tried for the presidential
> nomination a billion times. He's seeking attention for his next bid,
> nothing more, and he's wasting taxpayer dollars doing it.


Yup...he's an old Muppet who is seeking a new "show"...'cept he CAN'T get a
"contract"...


--
Best
Greg

== 6 of 8 ==
Date: Sat, Aug 9 2008 7:02 pm
From: "Gregory Morrow"


AllEmailDeletedImmediately wrote:

> "clams_casino" <PeterGriffin@DrunkinClam.com> wrote in message
> news:FaVmk.15545$1N1.14774@newsfe07.iad...
> > AllEmailDeletedImmediately wrote:
> >
> >>>"Clinton and Gore were responsible for pressing almost all federal
> >>>agencies, the U.S. court system and the U.S. military onto the
Internet,
> >>>thus opening up America's government to more of America's citizens than
> >>>ever before."
> >>>
> >>as most likely would have any other president during that timeframe.
no
> >>way we'll ever know if it is something special, just to clinton.
> > As if McBush has any idea how to even turn on a
computer..................
>
> it's never the president, but the administration. clinton and gore
didn't
> PERSONALLY set the thing up, promote it, etc. it happened under that
> admin. no reason to think it wouldn't have been the same with any other
> admin.
> and do we really KNOW that either clinton or gore can use a computer?
i've
> never seen either doing it, but that doesn't mean they don't know how.
>


IIRC I remember reading that Clintoon does not "do" email or computers...


--
Best
Greg


== 7 of 8 ==
Date: Sat, Aug 9 2008 7:06 pm
From: "Gregory Morrow"

clams_casino wrote:

> AllEmailDeletedImmediately wrote:
>
> >
> >
> >
> >>"Clinton and Gore were responsible for pressing almost all federal
> >>agencies, the U.S. court system and the U.S. military onto the Internet,
> >>thus opening up America's government to more of America's citizens than
> >>ever before."
> >>
> >>
> >
> >as most likely would have any other president during that timeframe. no
> >way we'll ever know if it is something special, just to clinton.
> >
> >
> >
> >
> As if McBush has any idea how to even turn on a computer..................


To do *what* - waste time on silly Usenet groups...???

He's a very busy guy, he has all kinds of aides and staffers and underlings
to do his "grunt work", he doesn't need to use a computer to communicate or
get his news...


--
Best
Greg


== 8 of 8 ==
Date: Sat, Aug 9 2008 8:38 pm
From: clams_casino


Gregory Morrow wrote:

>clams_casino wrote:
>
>
>
>>AllEmailDeletedImmediately wrote:
>>
>>
>>
>>>
>>>
>>>
>>>>"Clinton and Gore were responsible for pressing almost all federal
>>>>agencies, the U.S. court system and the U.S. military onto the Internet,
>>>>thus opening up America's government to more of America's citizens than
>>>>ever before."
>>>>
>>>>
>>>>
>>>>
>>>as most likely would have any other president during that timeframe. no
>>>way we'll ever know if it is something special, just to clinton.
>>>
>>>
>>>
>>>
>>>
>>>
>>As if McBush has any idea how to even turn on a computer..................
>>
>>
>
>
>To do *what* - waste time on silly Usenet groups...???
>
>He's a very busy guy, he has all kinds of aides and staffers and underlings
>to do his "grunt work", he doesn't need to use a computer to communicate or
>get his news...
>
>
>
>
I can't imagine a CEO today who is not fully computer literate.

Of course, those in McBush's generation have long retired.


==============================================================================
TOPIC: Airport parking
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/a3ffd0586c7477dd?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 9 2008 3:32 am
From: Shawn Hirn


In article <k0_mk.6589$np7.6455@flpi149.ffdc.sbc.com>,
George Grapman <sfgeorge@paccbell.net> wrote:

> clams_casino wrote:
> > George Grapman wrote:
> >
> >> AllEmailDeletedImmediately wrote:
> >>
> >>> "George Grapman" <sfgeorge@paccbell.net> wrote in message
> >>> news:%HYmk.6580$np7.5418@flpi149.ffdc.sbc.com...
> >>>
> >>>> terryc wrote:
> >>>>
> >>>>> On Fri, 08 Aug 2008 00:02:36 -0700, jees85 wrote:
> >>>>>
> >>>>>> Booking airport parking with Journey Extras guarantees a car parking
> >>>>>> space on arrival at the airport at an unbeatable price due to their
> >>>>>> best price guarantee
> >>>>>
> >>>>> Train service is cheaper, quicker and more relaxng.
> >>>>
> >>>>
> >>>> I am going to NYC in a few weeks. Amtrak costs more and takes
> >>>> several days instead of several hours.
> >>>>
> >>> expect cheap airfare to end soon. worldwide, airlines are planning
> >>> to cut seats by 60 million by the end of the yr.
> >>>
> >>
> >> It will have go up quite a bit to have me spend multiple days of a
> >> vacation traveling.
> >
> >
> > As long as there is a Southwest, I'll still consider flying.
>
>
> I wish they flew from SF to Newark. Last time I took Jet Blue,great
> trip but needed 4 trains to get to NJ.
> This trip I spent too much time trying to save a few dollars. Finally
> realized it was not worth hours to save $25.

Where are you traveling from? If you post on rec.travel.air, they might
be able to suggest some good alternatives.


==============================================================================
TOPIC: Frugal ideas
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b0fb633415061f1d?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Aug 9 2008 4:36 am
From: max


In article <18109-489B3C7C-558@storefull-3113.bay.webtv.net>,
jeeppintom@webtv.net (Tommy) wrote:

> I'm curious to know some of your frugal ideals that you started. That
> is up, and running.
>
> TIA, Tommy.

one thing i started doing was filling my teapot with only as much water
as i need for my morning french press (sometimes called a dashpot)
coffee.

I timed it yesterday: this way saves me ~5 minutes of time, which works
out to about 30 hours/year less time running the big burner on my stove.
I'm not entirely sure how much gas that is, but it's certainly not free.

I use CF lights almost everywhere.

I use an electric pressure cooker a fair bit.

i'm a cycle commuter.

i buy some (many) things at thrift stores.

I cook from scratch and don't buy many prepared foods.

I don't have cable TV.

I spend less than i earn.

.max

--
This signature can be appended to your outgoing mesages. Many people include in
their signatures contact information, and perhaps a joke or quotation.

== 2 of 4 ==
Date: Sat, Aug 9 2008 7:05 am
From: jeeppintom@webtv.net (Tommy)


Max how about some details on that electric pressure cooker?

Anyway here are some of the frugal ideals that was submitted that I'm
immediately starting.

1) passive solar supplemental heat" solar wall heater"

2) Price book or list from the local stores, and maybe web
stores. Wouldn't it be nice if there was a price tracker to send out
price change alerts via e-mail ???

3) freecycle

4) Checking out the local bread store this Monday. Just over a mile out
of the way on my work commute.


Things already working for me.

1) Trip planning has been good. With 5 or 6 errands ran in a single
trip. Friends, and family helps each other out sometimes saving even
more gas.

2) CFL's, turning off lights when not in the room, sealing, caulking,
timers, powerstrips, light dark sensors, attic ventilation resulting
with a max high attic temp of 100.6* F this year so far. Home now has a
GavAlum silver roof reflecting a good percentage of sunlight away.
Programmable thermostat. Cloths line, and rack drying when possible.
Cooking in programmable crock pot in a non airconditioned room. Keeps
the hot cooking stove when possible from adding unnecessary load the the
airconditioner. Replaced my old fridge ( seem like it was constantly
running) with an energy efficient one, and added some more foam poly
insulation to the back where there was no coils, or defrost heating
elements. July electric bill $66, and some odd change.

3) organic gardening

4) no bills except mortgage(payed off in Feb 2013), and utilities.

5) Supplemental wood heat in garage with ductwork. Looking at heating
with water, haven't decided yet. I have a free source of good firewood.
Gas, hauling and chain saw maint. is on my dime.

6) yard saleing, and local internet sales boards.

7) do all my own mech work, and home repair with very few exceptions.

8) spending less than I earn which was mentioned in an earlier post.


Please keep posting any more tried and true frugal things you do, or
heard of.

Thanks, Tommy.

== 3 of 4 ==
Date: Sat, Aug 9 2008 8:30 am
From: max


In article <18109-489DA42D-1076@storefull-3113.bay.webtv.net>,
jeeppintom@webtv.net (Tommy) wrote:

> Max how about some details on that electric pressure cooker?

It's a cuisinart CPC-600. 13 cups, 1000watts, two power levels, timer.
got it as a birthday present.

does a great job on dried beans and whole grains. Also makes awesome
chicken stew (esp. if you can get tough old stringy chickens), Coq au
Vin and Boef Bourgenon.


It can do the grains in 20 mins, the beans in 30, chicken in thirty or
forty and the beef burgundy in 50. A big time saver. I much prefer
the doneness of the whole grains and beans cooked in the pressure
cooker, in fact it does a better job on whole grains than my $anyo fuzzy
logic rice cooker.

It's a great product and i use it every week.


.max

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== 4 of 4 ==
Date: Sat, Aug 9 2008 1:43 pm
From: "JonquilJan"


What works for me - but not practical or available to everyone.

Have a garden in the growing season (short) for salad greens at least.
Layer clothes in the winter instead of turning up the heat.
Have furnace serviced in the fall for optimum performance.
Lock in (by prepaying some) lower propane prices for the winter.
Used car - with regular checkups and servicing.
Close off parts of the house not in use (especially for heating in the
winter)
Fill up 2 liter soda bottles with water from the tap - no bottled water (own
well).
No cell phone. Need dial up for computer - long distance with carrier that
does not charge a monthly fee.
Very low flesh food use - replace protein needs with beans.
Use coupons when shopping and stock up when coupon/sales match.
Combine trips - laundry/groceries. Physical Therapy/groceries/drug store.
Buy dry goods in bulk through a food buying co-operative (comparing prices
at grocery first)
Pay some things in 6 month cycle - such as cable TV (basic) - prescription
insurance (required to get state coverage), car insurance
(yearly)
Use fan (when necessary) instead of air conditioner.
Mend clothes. Make some clothes from old clothes.

FYI - I am 69, disabled, live in northern New York.

JonquilJan

Learn something new every day
As long as you are learning, you are living
When you stop learning, you start dying



==============================================================================
TOPIC: Inflate yo tires? the Pledge
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3091ed9d02910976?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, Aug 9 2008 6:49 am
From: CurlyQue


Goomba wrote:
> clams_casino wrote:
>> A Veteran wrote:
>>
>>>
>>> do something today!
>>> Your tires may last longer too.
>>>
>>>
>>
>> Checked them this am. They were 26-29 psi - filled them to 34 psi.
>>
>> Of course, McBush thinks that's a silly way to save gas.
>
> Actually, I thought it more stupid the way Obama assumed everyone's were
> improperly filled.
> It still is small potatoes to the BIGGER problem of oil, don't you think?


I think the whole rational is about multiples. More efficient practices
multiplied by 1 million, 10 million, 350 million, add up to staggering
numbers. There are measures that we can all take that aren't really
going to demand much of a sacrifice in time, and in addition to saving
resources, will likely save us money in the long term as well. Properly
inflated tires is just one of many.


Curly

== 2 of 3 ==
Date: Sat, Aug 9 2008 12:34 pm
From: suds macheath


George Grapman wrote:
> Obama suggested that people have proper inflation.
> Limbaugh claimed he said we should over inflate them.
> The dittoheads believe Limbaugh.

"Seems like these guys [rightards] take pride in bein' ignorant"
B Obama

== 3 of 3 ==
Date: Sat, Aug 9 2008 2:16 pm
From: Al Bundy


On Aug 9, 3:34 pm, suds macheath <sudsmcd...@yahoo.com> wrote:
> George Grapman wrote:
> > Obama suggested that people have proper inflation.
> > Limbaugh claimed he said we should over inflate them.
> > The dittoheads believe Limbaugh.
>
> "Seems like these guys [rightards] take pride in bein' ignorant"
> B Obama

Yea, but my kid bowled more than 37 when she was 4 years old.


==============================================================================
TOPIC: Algodones dentists?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6d2cb9598c481755?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 9 2008 4:07 pm
From: jeginaz@yahoo.com


The Real Bev wrote:
> Anybody have any recommendations? We need a LOT of work...
>
> --
> Cheers, Bev
> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
> "Tip: Place your houseplants in front of the television during
> the next presidential debate and watch how leafy they get."
> -- Scott Adams


==============================================================================
TOPIC: Ice maker and Murphy's law
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d5ecd233e5ccc9be?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, Aug 9 2008 6:51 pm
From: Ron Peterson


My S-I-L had her ice maker line break while out of town and the damage
to the house is extensive. Her estimated cost after insurance will be
about a $2400 deductible.

The repair crew mentioned that 75% of their water damage repairs are
for ice maker malfunctions.

--
Ron

== 2 of 3 ==
Date: Sat, Aug 9 2008 8:41 pm
From: terryc


On Sat, 09 Aug 2008 18:51:03 -0700, Ron Peterson wrote:

> My S-I-L had her ice maker line break while out of town and the damage
> to the house is extensive. Her estimated cost after insurance will be
> about a $2400 deductible.
>
> The repair crew mentioned that 75% of their water damage repairs are
> for ice maker malfunctions.

how long had it been in use?
Did it just come adrift or split?
Our in-line water filter company sold an upgrade with the view that these
plastic lines tend to split after 10years. (Right, it was really to lock
us into filters only obtainable through them).

BTW, why don't people turn the water off to these things when they go away
on holidays?

Our holiday list includes
water to the washing machine,
water to the under bench water filter
and electricty to the hot water heater.

== 3 of 3 ==
Date: Sat, Aug 9 2008 8:53 pm
From: Marsha


terryc wrote:
> and electricty to the hot water heater.
>

"hot water heater" If the water is hot, it doesn't need heated.

Marsha/Ohio


==============================================================================
TOPIC: The leeches are reaching for more
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/c1f04e2aa1094da5?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, Aug 9 2008 7:15 pm
From: "Gregory Morrow"

George Grapman wrote:

> Seerialmom wrote:
> > On Aug 5, 9:01 pm, Gordon <go...@alltomyself.com> wrote:
> >> Back in the early '70's my father had a mortgage, an electric bill
> >> a phone bill, a water bill and once a year we filled up the heating oil
> >> tank.
> >> Sewer and garbage was paid from taxes.
> >>
> >> Today, I have a Mortgage, an electric bill, a phone bill,
> >> a cell phone bill, an internet access bill, I could have
> >> a cable TV bill, A water + sewer bill, a garbage collection
> >> bill. Basicly, more services to pay for.
> >>
> >> Of course it's not that simple.
> >> Cable TV wants you to buy a priemium package,
> >> Cell phone wants to tack on IM, chat, and data
> >> packages,
> >> And then there are those web sites like Classmates.com
> >> Facebook, Geneology.com, 2nd life, (and for my daughter)
> >> Club penguine, Bratz, Petz.com, etc that want to
> >> sell priemium membership.
> >>
> >> Hoo Boy! The leeches are everywhere!
> >
> > There were always companies that wanted people to buy from them;
> > nothing new here.
> > Some of those listed are actually better deals than they were in the
> > 70's, for example the phone bill.
> > There was no such thing as "unlimited long distance". Back then you
> > paid for the phone line and could have unlimited local calling, but
> > most opted for either measured or even party lines to keep the cost
> > down (when you compared the cost to what the average wages were).
> > The only reason you "need" many of the things you mentioned are to
> > "fit in"; you'd be suprised how simple life can be when you disconnect
> > yourself from the wired community.
>
> Not only was there no unlimited service there was also tiered
> pricing. Cheapest calls were 11 p.m. to 8 a.m.. Next was 5-11p.m. and
> daytime were the most expensive.
> When I moved to CA from the east and my phone rang at 8:02 p.m.t was
> usually a caller from there. Likewise I tried to call early in the
> morning or on weekends. When was the last time you checked the time
> before calling other than to to be sure you were not calling another
> person to late/early?


The cost of phone calls has gone down by factors of tens, hundreds even...

I remember those Bell System ads in _The National Geographic_, touting c.
1958: "Three minute station - to - station calls from Boston to St. Louis as
low as $2.70 at low Sunday rates!"...that's about $18.00 in today's money.

Another quaint "phone thing" is the concept of "daytime" and "evening" phone
numbers...with cells such a concept is rendered moot.


--
Best
Greg


== 2 of 3 ==
Date: Sat, Aug 9 2008 8:43 pm
From: clams_casino


Gregory Morrow wrote:

>
>The cost of phone calls has gone down by factors of tens, hundreds even...
>
>
>
>

My phone bill is higher today than it's ever been.

== 3 of 3 ==
Date: Sat, Aug 9 2008 9:02 pm
From: George Grapman


clams_casino wrote:
> Gregory Morrow wrote:
>
>>
>> The cost of phone calls has gone down by factors of tens, hundreds
>> even...
>>
>>
>>
>>
>
> My phone bill is higher today than it's ever been.
But are you making the same number of calls?

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Google Groups: http://groups.google.com?hl=en

14 new messages in 7 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:

* Inflation - 2 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/043c328b0526b9a5?hl=en
* GEORGE GRAPMAN IS A HOMO - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2c7dd0ac174b9a71?hl=en
* To juice or not. - 5 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb065ec0061ab7cd?hl=en
* Inflate yo tires? the Pledge - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3091ed9d02910976?hl=en
* Quick Tips For Applying Eye Makeup - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d566ff61644f97db?hl=en
* Encinitas (California) red light camera ticket? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d30d0decab118e4f?hl=en
* Some say 'Knowledge is power'... and a way to make a living. - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8fb9fc6e8757602?hl=en

==============================================================================
TOPIC: Inflation
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/043c328b0526b9a5?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Aug 8 2008 4:57 pm
From: "Rod Speed"


George <george@nospam.invalid> wrote
> Patricia Martin Steward wrote
>> AllEmailDeletedImmediately <derjda@hotmail.com> wrote

>>> i just read something that inflation is more like 12-14% using pre clinton methodology. so, those of the clinton
>>> era did something to change how we calculate inflation so it's now something like 5%. of course, figures lie and
>>> liars figure.

>> Here's what I know: we had it GOOD in the Clinton era --
>> great economy, low unemployment, and he left a surplus behind.

>> What do we have now?

> You overlooked a lot of the details.

Yep.

> You forgot the spectacular dot com crash and the reason for it.

Nothing any Prez ever gets to do anything about.

> The Clintons' SEC conveniently looked the other way as pirates such As enron, MCI etc were doing their thing with the
> result that the taxes poured in from all of the stock trading building a surplus.

That wasnt the reason for the surplus.

> Remember even various state governments telling us that they may even drop various taxes because they had so much tax
> revenue money on hand?

Nothing to do with the Prez either.

> You may also remember that one of the Clintons main agendas was NAFTA

Yep.

> and other treaties designed to lower the US down to the level of other countries.

Nope.

> It took a couple years but it worked.

Nope, it wasnt what produced the current result.

Slick didnt do anything useful about bin Laden and that did produce 9/11.

== 2 of 2 ==
Date: Fri, Aug 8 2008 5:02 pm
From: "Rod Speed"


clams_casino <PeterGriffin@DrunkinClam.com> wrote
> George wrote

>> You overlooked a lot of the details. You forgot the spectacular dot
>> com crash and the reason for it. The Clintons' SEC conveniently
>> looked the other way as pirates such As enron, MCI etc were doing
>> their thing with the result that the taxes poured in from all of the
>> stock trading building a surplus.

> There was some contribution due to over valued stocks, but most shares of those companies never produced taxable
> gains.

Yep.

> The primary reason taxes poured in was because employment was so good for so long

Nope, because the economy was booming.

> (longest business expansion on record) through good wages / plenty of overtime / good employment rates, etc.

Didnt have anything much to do with wages etc.

That was a result of the economy booming, not the cause of it.

> Jobs lost under GW have been replaced primarily with very low paying (primarily retail) jobs where the number of
> replacement jobs have not been reflecting the reduced paychecks / reduced taxes under GW.

Pig ignorant lie. Plenty of that happened with Slick too, most obviously with offshoring.

>> Remember even various state governments telling us that they may even
>> drop various taxes because they had so much tax revenue money on hand?

> That was GW's first push for his tax rebates. When the economy began tanking upon his election (investors
> immediately flocked to CDs & bonds while business significantly curtailed expansion plans),

Another pig ignorant lie.

> GW did his typical spin & reversed his logic claiming providing tax relief for the wealthy would create jobs & build
> much needed demand.

There was a hell of a lot more tax relief than for just the wealthy.

And the real reason both did quite well on some areas was interest rates, not taxes.

> So which was it? Tax rebates for the wealthy

There was a hell of a lot more tax relief than for just the wealthy.

> because they would not be inflationary (would not create surplus demand) or tax rebates for the wealthy

There was a hell of a lot more tax relief than for just the wealthy.

> because they would create much need jobs through a stronger economy (improved demand)?

Or both.

> Obviously, his first logic was the valid logic, but he did it all through borrowed money.

Another bare faced pig ignorant lie.



==============================================================================
TOPIC: GEORGE GRAPMAN IS A HOMO
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/2c7dd0ac174b9a71?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Aug 8 2008 5:52 pm
From: bb90125@yahoo.com


HE'S GAY

== 2 of 2 ==
Date: Fri, Aug 8 2008 6:27 pm
From: Marsha


bb90125@yahoo.com wrote:
> HE'S GAY

I'm happy, too. Your point?

Marsha


==============================================================================
TOPIC: To juice or not.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb065ec0061ab7cd?hl=en
==============================================================================

== 1 of 5 ==
Date: Fri, Aug 8 2008 6:12 pm
From: Pan


On Fri, 08 Aug 2008 15:13:45 GMT, blake murphy
<blakepmNOTTHIS@verizon.net> wrote:


>> What was this "better shape" that we were in during the Clinton years? Be
>> *specific*...
>
>nation at peace, federal surplus, market in good shape...you are too stupid
>to live.
>
>blake

Not responding to attacks, is not being at peace. Sending troops into
a conflict, then withdrawing, with no results is not at peace.

Federal surplus? You mean additional income from a one time sale, and
a national debt, is not a surplus. Dot com bust, creating a recession,
is not a surplus.

Market is up, compared to Clinton years.

I may be stupid but I live well, because of the GOP, and their basic
economics.

== 2 of 5 ==
Date: Fri, Aug 8 2008 6:16 pm
From: Pan


On Fri, 08 Aug 2008 15:06:26 GMT, blake murphy
<blakepmNOTTHIS@verizon.net> wrote:


>
>i think it's pretty funny that you of all people should be incensed over a
>measly blow job.
>
>blake

If Clinton had said, " Yes I got a blow job" he would have been
elected to a third time.

But point his finger at the American people, and saying "I did not
have sex with that women" pissed people off.

He was charged with perjury, not getting a blow job.

== 3 of 5 ==
Date: Fri, Aug 8 2008 6:18 pm
From: Pan


On Fri, 08 Aug 2008 15:09:55 GMT, blake murphy
<blakepmNOTTHIS@verizon.net> wrote:


>> No further attacks on the U.S.A. since 9/11
>
>...which happened on george 'ok., you've covered your ass now' bush's
>watch. quite an achievement.
>
>and don't bother to say 'but it started under clinton.' the clinton people
>gave good advice that bush ignored because it came from clinton. too bad.
>
>blake

What good advice did the Clinton people give?
Treat attacks as a law enforcement problems?

== 4 of 5 ==
Date: Fri, Aug 8 2008 6:21 pm
From: Pan


On Fri, 08 Aug 2008 15:15:00 GMT, blake murphy
<blakepmNOTTHIS@verizon.net> wrote:


>>>but mccain is a foreign-policy ace because he speaks fluent gibberish!
>>>well, sometimes it's fluent.
>>>
>>>your pal,
>>>barry
>>
>> And yet McCain is rated much higher on foreign policy, that Obama
>
>really? what's mccain's foreign policy this week? it's sure to be
>different from last month's.
>
>blake

Well it's not Surrender.

And he is still regarded more highly rated then Obama, on foreign
policy.

== 5 of 5 ==
Date: Fri, Aug 8 2008 7:17 pm
From: max


In article <5arp94hc9bp4gr6are17nkc4sfkrib2k3n@4ax.com>,
Pan <ohco@hotmail.com> wrote:

> Federal surplus? You mean additional income from a one time sale, and
> a national debt, is not a surplus. Dot com bust, creating a recession,
> is not a surplus.

The dot com bubble was wholly and exclusively the result of free market
capitalists.

> Market is up, compared to Clinton years.
>
> I may be stupid but I live well, because of the GOP, and their basic
> economics.

Exactly the ones responsible for the dot com bust.

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==============================================================================
TOPIC: Inflate yo tires? the Pledge
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/3091ed9d02910976?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Aug 8 2008 7:18 pm
From: max


In article <rQ_mk.7857$3l5.7747@newsfe06.iad>,
clams_casino <PeterGriffin@DrunkinClam.com> wrote:

> A Veteran wrote:
>
> >
> >do something today!
> >Your tires may last longer too.
> >
> >
>
> Checked them this am. They were 26-29 psi - filled them to 34 psi.
>
> Of course, McBush thinks that's a silly way to save gas.

i run my tires at about 110 psi. i save a great deal of gas.

.max

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== 2 of 2 ==
Date: Fri, Aug 8 2008 7:32 pm
From: George Grapman


Obama suggested that people have proper inflation.
Limbaugh claimed he said we should over inflate them.
The dittoheads believe Limbaugh.


==============================================================================
TOPIC: Quick Tips For Applying Eye Makeup
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d566ff61644f97db?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Aug 8 2008 7:34 pm
From: terryc


Don't.
You're just beautiful the way you are.
If need be, buying beer for him(?) is definitely cheaper and healthier.


==============================================================================
TOPIC: Encinitas (California) red light camera ticket?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d30d0decab118e4f?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Aug 8 2008 10:18 pm
From: "Ed."


Also, if you have an Encinitas (CA) red light camera ticket (photo
enforcement) that you have not yet paid, see this free-of-any-charge
info: http://www.highwayrobbery.net/redlightcamscameras.htm#Encinitas

PLease also note that there is a bill in the CA legislature to allow
speed camera tickets. SB 1325


==============================================================================
TOPIC: Some say 'Knowledge is power'... and a way to make a living.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/b8fb9fc6e8757602?hl=en
==============================================================================

== 1 of 1 ==
Date: Fri, Aug 8 2008 10:41 pm
From: phil scott


On Aug 7, 7:31 pm, "AllEmailDeletedImmediately" <der...@hotmail.com>
wrote:
> "phil scott" <p...@philscott.net> wrote in message
>
> news:44f1c1be-d9a5-48b0-9ecf-67f72ee4f601@a8g2000prf.googlegroups.com...
> On Aug 7, 9:34 am, "AllEmailDeletedImmediately" <der...@hotmail.com>
> wrote:
>
> > "phil scott" <p...@philscott.net> wrote in message
>
> >news:8c67cb38-189f-4ed8-a180-d7981877ba2f@r15g2000prh.googlegroups.com...>
> > That prompted the following.
>
> > snip
>
> > > For example is you are an engineer and become a tradesman you get a
> > > fairly good match of insight and capability.. or even better if you
> > > can operate as an engineer.
>
> > dh is an engineer; what trade do you suggest he learn? :-)
>
> its up to him mon.
>
> Trades by hourly rate in order:
>
> Electrical controls, industrial, programmable,,PLC's etc  pays $120++
> per hour free lance... 50 or 60 dollars for a wage position.  You have
> to be sharp.  (about half my work these days)
>
> Electrical contracting ...industrial pays 75+ per hour.. thats just
> wiring and simple motor controls
>
> Home wiring a lot less, can bottom out in the 40 dollar range free
> lance.
>
> he's a broadcast engineer, but was an electronics tech in the navy, so
> he's well versed in both computers and electrical.
>
> for mech engrs.
>
> HVAC commcl ind, service pays 95+.. but its hard work.
> Residential hvac a lot less 75 or less
>
> oldest son did a/c, but is now self employed with division
> 8 commercial installations.   still does a little a/c on the side
> to keep up.
>
> handyman work in homes pays about 50 dollars an hour.
> thats anything ... fixing sinks, fences, doors and toilets
>
> that's dh.
>
> Those are west coast rates... lower as you go inland, bottom is in
> Florida, parts of texas and california not much better... (inland
> areas)  (rates are less than a third of california's best locations.
> (coastal areas, SF, LA, Portland etc)
>
> pa and sc
>
> **
> Marketing most efficient by Craigs list and also cold calling
> businesses
> with a card or sticker... 8 hours of cold calling will produce about
> 400
> dollars of work directly arranged that day, and about 2,000 on average
> over
> the next month or so.
>
> Cold calling one day a week for a few months will have you flush with
> more work than
> you and two helpers can do....  those stats will go south some as the
> economy tanks.
>
> ***
> Engineering in this area on a wage pays between 25 dollars and 40
> dollars an hour with the 40 dollar jobs getting scarce fast unless you
> are established manager.. not too many of those
> these days, they max at about 60 dollars an hour average... rare
> specialties higher of course.
>
> those are 10-12 hours per day jobs if you count the hour wasted for
> lunch and time it takes to
> put on the monkey suit properly and drive to work.   (with trade work
> you bill for the travel time).
>
> you really are an engineer, aren't you?   they tend to be extremely
> focused, which is a good thing :)
>
> Phil scott

yes, Im an ME with digital controls capability. Its not going badly
lately, it was earlier. I had to learn a new game plan. Shortly I
believe the economy is going to go
utterly south.. then it will pay to know all the angles and have
staged to optimize them.

That approach might keep a good man in steaks or at least the
occasional hamburger... if
overhead is low also.

I dont think
many folks have fathomed just how deep a hole we are in
economically..its a world stage
now, the work is moved to china etc.. not a lot in the US relative to
the talent available...
in order to compete in a world market those rates are going down, ..as
the dollar is worth
less and less. double trouble...

search youtube and google for 'prime mortgage loan trouble'... etc.
thats already double from last year 11% or so deliquent..and projected
to triple in the next few months...that pressure will take out a lot
of retail and food sales etc.. a domino effect.

Yes focus is a good thing in some ways, it deprives a person of much
human sensitivity though and that is not a good thing at all.

Phil scott

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