Saturday, August 23, 2008

23 new messages in 9 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:

* Millions of tires subject to recall due to blowout hazard - 2 messages, 2
authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e5bd68d9e7fcbe32?hl=en
* Use it or lose it? - 4 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
* Walmart Prices: Urban vs Rural? - 5 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/85719f2d4728a958?hl=en
* CNN: Half-ton woman indicted in slaying of nephew - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/935cc02fc86d96ba?hl=en
* Need efficient energy space heater - 4 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d6763049dc006e36?hl=en
* "Are Teachers Overpaid?" by Mr. Tamim Ansary - 4 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bc0959f836a427e3?hl=en
* I've 3 Cheap Dial-Ups & Want To Upgrade But... - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8b63cd812bb931f5?hl=en
* distance a product travelled 2 reach u and its price both matter - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/dd48e53a6c83663b?hl=en
* Sanyon Enerloop any good? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1c30a867749390d0?hl=en

==============================================================================
TOPIC: Millions of tires subject to recall due to blowout hazard
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e5bd68d9e7fcbe32?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Aug 23 2008 3:24 pm
From: ultimauw@hotmail.com


http://abclocal.go.com/kabc/story?section=news/consumer/recalls&id=6338125

== 2 of 2 ==
Date: Sat, Aug 23 2008 3:26 pm
From: Hugh Wood


On Aug 23, 5:24 pm, ultim...@hotmail.com wrote:
> http://abclocal.go.com/kabc/story?section=news/consumer/recalls&id=63...

Overinflation !!!!! Thanks Barry.


==============================================================================
TOPIC: Use it or lose it?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Aug 23 2008 3:33 pm
From: "Rod Speed"


JR Weiss <jrweiss98155remove@remove.comcast.net> wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote

>>> We have no idea what the OP's current investment position is. While he says his only debt is his mortgage, we do not
>>> know the positions or magnitudes of his current investments.

>> You dont know that he has any except that cash he is looking for a decent return on.

>> In fact his 'where to put my money' implys that thats all he has.

> Nope.

Yep.

> We have NO idea of the size of his mortgage

Irrelevant to his CURRENT INVESTMENTS.

> or of the money he is looking to place.

Irrelevant to his CURRENT INVESTMENTS.

> Whatever that amount is, it could well be in addition to retirement accounts such as IRAs and/or 401Ks, and possibly
> in addition to some long-term investments he considers "untouchable."

Pure speculation on your part.

> Without his input, we can make no safe assumptions on those amounts (or lack of).

Thats irrelevant to how to get a decent return on that cash he wants to get a decent return on.

>>> He should select the savings vehicle accordingly.

>> And paying down his mortgage if its a HELOC is STILL going to produce the best after tax return.

> He has no HELOC now.

Never said he did. The word IF is there for a reason.

> We have no idea whether he qualifies for a HELOC now,

Never said he did. The word IF is there for a reason.

> or whether he would qualify for an amount equal to what he wants to "save."

Never said he did. The word IF is there for a reason.

> We have no idea where he lives (other than in the US, which was part of one of the URLs he initially posted), so we
> have no idea as to whether he can pay down his mortgage enough to get a HELOC in the amount he would want.

Never said he did. The word IF is there for a reason.

> We have no idea of his credit rating, so we don't know if he would get a HELOC at a reasonable rate even if he met the
> standard 80% loan-equity criteria.

Never said he did. The word IF is there for a reason.

> Paying down the mortgage rate will REDUCE his interest deductibility
> and REDUCE the interest gotten on the $$ from the current 1.5% to 0! How is that going to give a better after-tax
> return?!?

Because he wouldnt have to pay tax on the interest he gets on that money when
its not used to pay down the mortgage when its put in say a series of CDs instead.


== 2 of 4 ==
Date: Sat, Aug 23 2008 3:46 pm
From: "Rod Speed"


JR Weiss <jrweiss98155remove@remove.comcast.net> wrote
> clams_casino <PeterGriffin@DrunkinClam.com> wrote

>> 4.5% on a CD cashable within a few weeks notice? Any examples?

> WAMU in Seattle has 4.51% on 12-18 mo CDs (as of last week; they change every Friday). In the context of building a
> series of staggered CDs like the 2-month stagger I talked about the other day, he can get to that point gradually.

And plenty of accounts outside the country pay 8%, even
in countrys which are quite a safe place to put your money.

Main downside is the added foreign currency conversion rate risk but
thats unlikely to anything like wipe out that dramatic difference in return.

>>> Your principal won't "dwindle to nothing," either. If your mortgage is less than about 6% APR and you are able to
>>> take advantage of its tax deductibility, you would be better off building your emergency savings account than paying
>>> down the mortgage.

Thanks for that completely superfluous proof that you dont have a clue about the basics.

>> Your math escapes me.

And everyone else with a clue too.

>> I haven't seen a short term CD that has a higher interest rate than a typical mortgage in some 25 years.

> Rough numbers... At a 25% marginal tax rate, a 6% mortgage really "costs" 4.5%.

Pity that the after tax return on those CDs you listed at the top really 'pay' 3.4%.

> Since we don't know what his mortgage rate is now, we don't know what his "cost" of putting $$ into savings vs
> mortgage paydown is. Also, since we don't know his cash flow or current savings, we can only make rough guesses.

> Since he's had the mortgage 5-6 years, it could be at virtually any rate from 4-9%, depending on his creditworthiness
> at the time he took it out. The 6% threshold is merely a point, given some rough assumptions, that paying down the
> mortgage could be seen to be more advantageous than putting the $$ in savings.

On the other hand, it is clear that paying down the mortgage would
normally give a better return on the cash than any alternative except
one of those higher interest CDs outside the country and does avoid
the added foreign currency rate risk.

The main problem with paying down the mortgage is that he
doesnt currently have a HELOC mortgage and it may well cost
more than the savings would be to move to one of those now.


== 3 of 4 ==
Date: Sat, Aug 23 2008 6:19 pm
From: The Real Bev


Rod Speed wrote:

> George <george@nospam.invalid> wrote:
>> timeOday wrote:
>>>
>>> Considering the rapid increase in standard of living in China and
>>> India over the last decade or so, and considering we do business
>>> with them, it surprises me that the median US standard of living
>>> really hasn't increased in a generation or so. Some things get
>>> better (e.g. invention of the Internet) while others get worse (e.g.
>>> affordability of beach-front property).
>>>
>> Why would it? Consider that China is doing things we used to do and
>> thats why their standard of living increased.
>>
>> Previously we had lots of good paying manufacturing jobs which
>> enabled a true middle class.
>
> The real middle class never ever was involved in manufacturing jobs.

Certainly not actually having to TOUCH the machinery itself, but they
might have started out that way.

Nobody ever actually defines "the middle class" or "the rich". It's way
easier to despise and wish to soak The Rich when you don't know that
you're one of them.

--
Cheers, Bev
==========================================================
"It's no piece of cake, but it sure beats listening to Ted
Kennedy on the Senate floor."
- Jesse Helms describing heart surgery

== 4 of 4 ==
Date: Sat, Aug 23 2008 7:09 pm
From: "Rod Speed"


The Real Bev <bashley101+usenet@gmail.com> wrote
> Rod Speed wrote
>> George <george@nospam.invalid> wrote
>>> timeOday wrote

>>>> Considering the rapid increase in standard of living in China and
>>>> India over the last decade or so, and considering we do business
>>>> with them, it surprises me that the median US standard of living
>>>> really hasn't increased in a generation or so. Some things get
>>>> better (e.g. invention of the Internet) while others get worse
>>>> (e.g. affordability of beach-front property).

>>> Why would it? Consider that China is doing things we used to do and thats why their standard of living increased.

>>> Previously we had lots of good paying manufacturing jobs which enabled a true middle class.

>> The real middle class never ever was involved in manufacturing jobs.

> Certainly not actually having to TOUCH the machinery itself,

Yep, thats nothing like the real middle class.

> but they might have started out that way.

Hardly ever.

> Nobody ever actually defines "the middle class" or "the rich".

Because it isnt really possible to define it. But you never
get the middle class involved in collecting the garbage,
doing the plumbing, working in a factory, or cleaning either.

> It's way easier to despise and wish to soak The Rich when you don't know that you're one of them.

None of the rich ever want the rich to soaked and they certainly know if they are rich or not.



==============================================================================
TOPIC: Walmart Prices: Urban vs Rural?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/85719f2d4728a958?hl=en
==============================================================================

== 1 of 5 ==
Date: Sat, Aug 23 2008 3:49 pm
From: Jonathan Grobe


Does Walmart have the same prices in its urban and
rural Walmarts? How much latitude do individual store
managers have in pricing?


--
Jonathan Grobe Books
Browse our inventory of thousands of used books at:
http://www.grobebooks.com

== 2 of 5 ==
Date: Sat, Aug 23 2008 5:50 pm
From: Jim Elbrecht


Jonathan Grobe <grobe@netins.net> wrote:

>Does Walmart have the same prices in its urban and
>rural Walmarts? How much latitude do individual store
>managers have in pricing?

It appears to me - and I don't spend a lot of time shopping at
Walmart- that each store has some cheaper and more expensive items.

I'd call the 3 that I occasionally shop at 'suburban'.

Jim

== 3 of 5 ==
Date: Sat, Aug 23 2008 6:08 pm
From: enigma


Jonathan Grobe <grobe@netins.net> wrote in
news:slrngb14vp.9b3.grobe@worf.netins.net:

> Does Walmart have the same prices in its urban and
> rural Walmarts? How much latitude do individual store
> managers have in pricing?

i don't shop at Wal-Mart, but as an ex-retail manager, i can
say that they most likely have "zone pricing" for various
stores, depending on their location. it doesn't so much have
to do with suburban vs rural, but with the various local
economies. most retail companies have 3 to 5 "zones", or
pricing levels.
individual store managers would have very little leeway in
adjusting prices in their store. they would likely be able to
price match a competitor, but they couldn't make the price
lower than the competition. they couldn't match an online
price, only a local competitor. they would need district
manager approval to price match a differently zoned Wal-Mart,
& that would be unlikely unless the other store was within 50
miles or so.
lee

--
Last night while sitting in my chair
I pinged a host that wasn't there
It wasn't there again today
The host resolved to NSA.

== 4 of 5 ==
Date: Sat, Aug 23 2008 6:15 pm
From: Dean Hoffman <""dh0496\"@ine$br#as&ka.com">


enigma wrote:
> Jonathan Grobe <grobe@netins.net> wrote in
> news:slrngb14vp.9b3.grobe@worf.netins.net:
>
>> Does Walmart have the same prices in its urban and
>> rural Walmarts? How much latitude do individual store
>> managers have in pricing?
>
> i don't shop at Wal-Mart, but as an ex-retail manager, i can
> say that they most likely have "zone pricing" for various
> stores, depending on their location. it doesn't so much have
> to do with suburban vs rural, but with the various local
> economies. most retail companies have 3 to 5 "zones", or
> pricing levels.
> individual store managers would have very little leeway in
> adjusting prices in their store. they would likely be able to
> price match a competitor, but they couldn't make the price
> lower than the competition. they couldn't match an online
> price, only a local competitor. they would need district
> manager approval to price match a differently zoned Wal-Mart,
> & that would be unlikely unless the other store was within 50
> miles or so.
> lee
>

Does the internet affect such things? I've never really compared
internet pricing to the local stores.
Our local farmer's coop prices their gas according to the town the
station is in. It probably has 8 or 10 of the self serve card stations
scattered around the area.

Dean


----== Posted via Pronews.Com - Unlimited-Unrestricted-Secure Usenet News==----
http://www.pronews.com The #1 Newsgroup Service in the World! >100,000 Newsgroups
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== 5 of 5 ==
Date: Sat, Aug 23 2008 6:09 pm
From: Ann


On Sat, 23 Aug 2008 22:49:29 +0000, Jonathan Grobe wrote:

> Does Walmart have the same prices in its urban and rural Walmarts?

There is a rural Walmart Super Center 10 miles south and one 20 miles
north that I think is actually a little smaller. It's not seriously urban
but is in a shopping center that also has a Home Depot. I've never seen a
price on a food item at the local store that's less than at the "urban"
one. The biggest difference in price is on items in the frozen food cases
and bread - about 10-15% higher locally. I don't know if it's as much
urban vs rural as it is that the local store has little competition.

> How
> much latitude do individual store managers have in pricing?

I have zero factual basis for this, but I doubt store managers have much -
if any - say on pricing.

There is an interesting thing that has been progressing for about a year
in the local store's cat food dept. Walmart's prices on brand name food
had been lower than those at supermarkets in the nearest small city,
except when the supermarkets had sales. About a year ago, brand name shelf
space at Walmart began shrinking, replaced by more of Walmart's store
brand. Prices went up to about the same as at the supermarkets. Now
Walmart everyday prices are roughly on average 15% higher.

My point being that Walmart apparently sometimes intentionally prices high
to shift customers to buying a lower priced but more profitable line. Imo
those decisions are made at the corporate rather than local manager level.


==============================================================================
TOPIC: CNN: Half-ton woman indicted in slaying of nephew
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/935cc02fc86d96ba?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 4:01 pm
From: "Gregory Morrow"

Kel wrote:

On Aug 23, 1:19 am, Justin Case <flybyn...@rumor.com> wrote:
> > Hehe! That and a hell of a lot more. I don't believe this story
> > though. I have never heard of any human weighing that much. five
> > hundred to seven hundred yes, but not nine hundred and up.
>
> don't forget this is a Mexican, probably getting Federal Aid, and mucho
> food stamps, free medical and snacks.

I thought it might be Kris Baker when I read the line
----------------------

GM replies:

Or Loafie...


--
Best
Greg



==============================================================================
TOPIC: Need efficient energy space heater
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d6763049dc006e36?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Aug 23 2008 4:08 pm
From: "wipeout64@hotmail.com"


Has anyone tried a good energy efficient space heater that they can
suggest? I haven't tried any, but found the following.
I.E. http://www.eheat.com/?gclid=COfJ0bW_oZQCFQVfFQodwF17tA

Thanks

== 2 of 4 ==
Date: Sat, Aug 23 2008 4:21 pm
From: "Rod Speed"


wipeout64@hotmail.com wrote:

> Has anyone tried a good energy efficient space heater that they can suggest?

All electrical heaters have the same energy efficiency except in the sense that
where you sit in front of the heater you avoid having to heat the whole room etc.

> I haven't tried any, but found the following.
> I.E. http://www.eheat.com/?gclid=COfJ0bW_oZQCFQVfFQodwF17tA

400W isnt much of a heater.


== 3 of 4 ==
Date: Sat, Aug 23 2008 4:51 pm
From: BigDog1


On Aug 23, 5:08 pm, "wipeou...@hotmail.com" <wipeou...@hotmail.com>
wrote:
> Has anyone tried a good energy efficient space heater that they can
> suggest? I haven't tried any, but found the following.
> I.E.http://www.eheat.com/?gclid=COfJ0bW_oZQCFQVfFQodwF17tA
>
> Thanks

No such thing. Electric space heaters that put out enough to make a
difference will make your electric meter spin 'til the bearings squeal.

== 4 of 4 ==
Date: Sat, Aug 23 2008 4:56 pm
From: max


In article
<e2a758d0-d98b-4dd3-9362-429bf6fe3806@t54g2000hsg.googlegroups.com>,
"wipeout64@hotmail.com" <wipeout64@hotmail.com> wrote:

> Has anyone tried a good energy efficient space heater that they can
> suggest? I haven't tried any, but found the following.
> I.E. http://www.eheat.com/?gclid=COfJ0bW_oZQCFQVfFQodwF17tA
>
> Thanks

Crock of shit.

All electric space heaters are essentially 100% "efficient", regardless
of size. Mounting design can impact this. Fact is, a wall mounted
unit is markedly less efficient since more heat can radiate through the
outside wall. The classic free standing floor unit is the bomb. Yours
is stupid.

your spam is weak, and flaccid.

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


==============================================================================
TOPIC: "Are Teachers Overpaid?" by Mr. Tamim Ansary
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bc0959f836a427e3?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Aug 23 2008 5:29 pm
From: The Real Bev


terryc wrote:
> On Fri, 22 Aug 2008 21:57:09 -0700, The Real Bev wrote:
>> terryc wrote:
>>> On Thu, 21 Aug 2008 21:51:12 -0700, The Real Bev wrote:
>>>
>>>> What about the other 90%?
>>>
>>> For those there is porn and sport at all levels and grades.
>>
>> How many jobs are available in those fields? Way smaller number than
>> the number of hopeless losers who figured that's what they'd do when
>> they grew up.
>
> Who is talking about jobs? I'm talking about the bread and circuses
> routine as first started by the romans who dispossed the workers to
> build large estates and then had to feed and entertain them to
> prevent them from rioting.

Well, there's welfare and food stamps, of course, but any entertainment
provided by the government is strictly accidental and probably not even
noticed by the welfare recipients.

Just supporting Social Security (available only to those who actually
worked for a living and some of their dependents) is an increasing
strain; keeping the rest of the unemployed from starving in the streets
without bankrupting the country has GOT to be a problem that Those In
Power ought to be thinking about.

--
Cheers, Bev
============================================================
Brian (Talking to crowd): You need to be independent minded.
Crowd: We are! We are!
Person in crowd: I'm not! -- Monty Python

== 2 of 4 ==
Date: Sat, Aug 23 2008 5:31 pm
From: The Real Bev


Rod Speed wrote:

> The Real Bev <bashley101+usenet@gmail.com> wrote
>> terryc wrote
>>> The Real Bev wrote
>>>> Rod Speed wrote
>
>>>>> And what matters gets done fine, regardless of the teachers.
>
>>>>> Essentially because those that matter dont need teachers.
>
>>>> What about the other 90%?
>
>>> For those there is porn and sport at all levels and grades.
>
>> How many jobs are available in those fields? Way smaller number than the number of hopeless losers who figured that's
>> what they'd do when they grew up.
>
> Even the hopelessly inadequate teachers do manage
> to teach even those how to read and watch TV etc.

Don't be so sure about the reading. There's a not-negligible percentage
of functional illiterates in the USA. You don't have any of those?

--
Cheers, Bev
============================================================
Brian (Talking to crowd): You need to be independent minded.
Crowd: We are! We are!
Person in crowd: I'm not! -- Monty Python

== 3 of 4 ==
Date: Sat, Aug 23 2008 7:11 pm
From: "Rod Speed"


The Real Bev <bashley101+usenet@gmail.com> wrote:
> terryc wrote:
>> On Fri, 22 Aug 2008 21:57:09 -0700, The Real Bev wrote:
>>> terryc wrote:
>>>> On Thu, 21 Aug 2008 21:51:12 -0700, The Real Bev wrote:
>>>>
>>>>> What about the other 90%?
>>>>
>>>> For those there is porn and sport at all levels and grades.
>>>
>>> How many jobs are available in those fields? Way smaller number
>>> than the number of hopeless losers who figured that's what they'd
>>> do when they grew up.
>>
>> Who is talking about jobs? I'm talking about the bread and circuses
>> routine as first started by the romans who dispossed the workers to
>> build large estates and then had to feed and entertain them to
>> prevent them from rioting.
>
> Well, there's welfare and food stamps, of course, but any
> entertainment provided by the government is strictly accidental and
> probably not even noticed by the welfare recipients.

> Just supporting Social Security (available only to those who actually
> worked for a living and some of their dependents) is an increasing
> strain; keeping the rest of the unemployed from starving in the
> streets without bankrupting the country has GOT to be a problem that
> Those In Power ought to be thinking about.

Nope, not when the unemployment rate is only 5.x%

At that rate, anyone who isnt grossly disabled who doesnt want to
starve can always get a job, even if it may not be a job they like much.


== 4 of 4 ==
Date: Sat, Aug 23 2008 7:15 pm
From: "Rod Speed"


The Real Bev <bashley101+usenet@gmail.com> wrote
> Rod Speed wrote
>> The Real Bev <bashley101+usenet@gmail.com> wrote
>>> terryc wrote
>>>> The Real Bev wrote
>>>>> Rod Speed wrote

>>>>>> And what matters gets done fine, regardless of the teachers.

>>>>>> Essentially because those that matter dont need teachers.

>>>>> What about the other 90%?

>>>> For those there is porn and sport at all levels and grades.

>>> How many jobs are available in those fields? Way smaller number than the number of hopeless losers who figured
>>> that's what they'd do when they grew up.

>> Even the hopelessly inadequate teachers do manage
>> to teach even those how to read and watch TV etc.

> Don't be so sure about the reading.

I know they do.

> There's a not-negligible percentage of functional illiterates in the USA.

Functional illiterates are that way not because of any deficiency of the teachers.

> You don't have any of those?

Nope, not anymore. We used to have some, and even they can be taught to read if they want to read.

We do have a few that dont bother, just like we have hordes of
imigrants that dont bother to speak the language or read english.



==============================================================================
TOPIC: I've 3 Cheap Dial-Ups & Want To Upgrade But...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8b63cd812bb931f5?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 5:53 pm
From: Gordon


Windswept@Home (Jack) wrote in news:48ade0ae.38614500@news-
60.giganews.com:

> On Thu, 21 Aug 2008 23:26:19 +0200 (CEST), Gordon
> <gonzo@alltomyself.com> wrote:
>
>>Relaxin@home.net (Liberal's Worst Nightmare) wrote in
>>news:48ad805f.13959203@news.datemas.de:
>>
>>> The cheapest dial-up yields at least one busy signal every third day
>>> and downloads 24-48 kbps.
>>>
>>> Another one rarely has a busy signal, downloads 24-48, and has a
nice
>>> Usenet server.
>>>
>>> The third one never has a busy signal but dowload speed never tops
28.
>>>
>>> Total monthly cost for all 3 is about the same as one DSL which is
now
>>> available here.
>>>
>>> Sure would like to have DSL to see video clips, youtube, etc.
>>>
>>> Unfortunately, the reports about DSL product reliability and lousy
>>> support have scared me off.
>>
>>Join the 21st Century and get DSL. Plenty of people have DSL
>>and never experience a problem. If you like Unenet, you may
>>want to keep the dialup that has the good usenet server. You may
>>be able to log into the server from your DSL connection. Try it
>>and see.
>
> Sure would like to.
>
> Yeah, I understand that you can keep a dial-up for back up but need to
> remove the DSL stuff and revert to the dial-up wiring and connection
> set-up.

Nope. They can co-exist. Dial up will still use your modem and the DUN
to establish the connection. DSL will use a NIC (network connection).

I was thinking more in terms of maintianing access to the news server.
Most of the big national telcomms were blackmailed by NY state Atty
Como into dropping most of the news groups from their servers except
for the big eight hierarchies. So now it is necessary to have access
to a better news server if you want to get the alt groups. You can
buy into a priemium server it you like. But if the dialup ISP with
the good server is cheap enough, it may be worth it to maintain a
user account just to have access to their server.

Now, understand somthing. Just because the news server is maintained
by a dial up ISP, you don't have to dial into it. With your DSL link
active, you should be able to access the news server via the internet.
Just provide your user name and authentication information just like you
do now.


==============================================================================
TOPIC: distance a product travelled 2 reach u and its price both matter
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/dd48e53a6c83663b?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 5:59 pm
From: kvca65@gmail.com


Hi, do we really have the time to care for our future? If so, lets
wait a few more moments before making a purchase. Pl make sure that
the purchase of a product u r making is as far as possible, produced/
made/available from the resources near u. This would reduce your
greenhouse trace. Coming generation would be grateful to you. Find a
product that is costing less(this takes a bit of your time) but its
worth the money u save in the end/
Regards. Pl join if you can share the way in which v make our planet
more hospita'ble and liveable for our coming gens/
Chandu


==============================================================================
TOPIC: Sanyon Enerloop any good?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1c30a867749390d0?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 6:32 pm
From: The Real Bev


Rod Speed wrote:

> me@privacy.net wrote:
>> Sanyo has rechargeable battery system called Enerloop
>>
>> I have a Texas Instruments 84 graphing calculator and
>> various other small devices that seem to eat up AA and
>> AAA batteries.
>>
>> Would it be frugal to buy this Sanyo system instead of
>> throw away batteries?

Eneloop, not Enerloop.

> Depends on whether the calculator can handle the lower battery voltage.

I have some of the Duracell equivalent for my Canon A720IS camera which
work quite well. They don't cost much more than regular or
fast-charge NiMH batteries and the fact that they don't self-discharge
quickly is a real boon.

--
Cheers, Bev
==========================================================
"It's no piece of cake, but it sure beats listening to Ted
Kennedy on the Senate floor."
- Jesse Helms describing heart surgery

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

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

25 new messages in 10 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:

* Cell phone fragility? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a5e26553db076b8?hl=en
* Exploding iPods! - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/20415c036fa62cee?hl=en
* How to select a reliable used car? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4d6e74503ddeed27?hl=en
* Use it or lose it? - 9 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
* Air filters, HEPA filters, HEPA purifiers - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e72effb15703c4b0?hl=en
* The DSL 12-Month Commitment - 5 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb1b6c0797411fac?hl=en
* Sanyon Enerloop any good? - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1c30a867749390d0?hl=en
* Vote for John McCain.. a mans man...not some pointy nose, smart guy. - 3
messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f41a0c9e221cb6f?hl=en
* CNN: Half-ton woman indicted in slaying of nephew - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/935cc02fc86d96ba?hl=en
* Millions of tires subject to recall due to blowout hazard - 1 messages, 1
author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e5bd68d9e7fcbe32?hl=en

==============================================================================
TOPIC: Cell phone fragility?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a5e26553db076b8?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 9:19 am
From: Ken


With a year Tracfone contract I was given a new LG 225 phone. This has
nice features and works well but has a stubby ~1 in. antenna sticking
out one side of the top. Does anyone know from experience if this is
fragile? Break easily? Should I be very cautious with it? I Googled but
didn't see any complaints in a quick search.

TIA

Ken


--
"When you choose the lesser of two evils, always
remember that it is still an evil." - Max Lerner



==============================================================================
TOPIC: Exploding iPods!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/20415c036fa62cee?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 10:19 am
From: "Mocassin Joe"

"Shawn Hirn" <srhi@comcast.net> wrote in message
news:srhi-9C68DC.12140923082008@newsgroups.comcast.net...
> In article <qVTrk.16618$vX2.10322@bignews6.bellsouth.net>,
> "Mocassin Joe" <jmocasanto@comcast.net> wrote:
>
>> "Shawn Hirn" <srhi@comcast.net> wrote in message
>> news:srhi-46B542.06331223082008@newsgroups.comcast.net...
>> > In article <U62dnai4WonIsDDVnZ2dnUVZ_tninZ2d@giganews.com>,
>> > Steve de Mena <steve@stevedemena.com> wrote:
>> >
>> >> Shawn Hirn wrote:
>> >> > In article <LP6dnUlQWLOSejHVnZ2dnUVZ_uednZ2d@giganews.com>,
>> >> > Steve de Mena <steve@stevedemena.com> wrote:
>> >> >
>> >> >> Shawn Hirn wrote:
>> >> >>
>> >> >>> I am a long time Apple user and that hasn't been my experience at
>> >> >>> all. I
>> >> >>> own one of those first generation iPod nanos, which was a gift. I
>> >> >>> also
>> >> >>> own an Apple G5 PowerMac, an Apple MacPro (Intel-based) and an
>> >> >>> Apple
>> >> >>> MacBook Pro (Intel based) and all of them work beautifully. I am
>> >> >>> using
>> >> >>> the MacBook Pro to type this message.
>> >>
>> >> >> Do you have an ATI x1900 XT graphics card in your Mac Pro?
>> >> >
>> >> > No. I have a first-generation MacBook Pro which has the Radeon X1600
>> >> > graphics card.
>> >>
>> >> You said you had a Mac Pro too. (the tower, not the laptop).
>> >>
>> >> The first generation MacBook Pros were so hot you couldn't put them on
>> >> your lap and use them. I have the 2nd gen one that fixed that
>> >> problem.
>> >
>> > Sorry, I was tired when I read your question. I have a MacBook Pro
>> > (laptop) at home and a MacPro (tower) at work in my office. I am home
>> > so
>> > I can't look at what my MacPro has, but if you write to me privately, I
>> > will tell you what graphics card it has when I am at work next, which
>> > will be this Tuesday.
>> >
>> > My MacBook Pro does get hot, but I can use it in my lap for a little
>> > while before it gets uncomfortable. I have a little platform for it
>> > though with a USB fan, which solves the problem.
>>
>> Is that little platform with fan an Apple option? My MIL has suffered
>> third
>> degree burns from using her MacBook, and I would love to buy the little
>> platform for her. Your help would be appreciated.
>
> You can buy them at any decent computer store for about $20. This
> heating problem is common on many laptops, not just Apple's. I have an
> HP laptop from work that gets just as hot, if not hotter, then my
> MacBook Pro.

Thanks for the info. That will make her happy.



==============================================================================
TOPIC: How to select a reliable used car?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4d6e74503ddeed27?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 10:35 am
From: "ChairMan"


In news:MIydnVemuYANiC3VnZ2dnUVZ_g-dnZ2d@earthlink.com,
Jeff <jeff@spam_me_not.com>spewed forth:
> capieleo wrote:
>> good for you buddy...
>
> You can congratulate me also as I just reported both your email
> addresses and your Google Usenet account.
>
>>
>> this is just simple seo, no spam, as it will not trascend into
>> something larger like a farm... in any case, an insightful and really
>> informative source for car buying tips, car loans, calculator and
>> such is indeed SPAM and I go back and forth from
>> here to the US, as I have all my family living there, so next time,
>> reserve it.
>
> You can have a little talk about SEO with Google about this.
>
> Welcome to Usenet.
>
> Jeff

you think google gives a shit?
if they did, usenet wouldn't be filled with all the spam from g-groups
they're worse than easynews about compliance, but good luck to ya.



==============================================================================
TOPIC: Use it or lose it?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
==============================================================================

== 1 of 9 ==
Date: Sat, Aug 23 2008 11:57 am
From: timeOday


JR Weiss wrote:
> "Rod Speed" <rod.speed.aaa@gmail.com> wrote:
>
>>> Fortunately the mortgage is my only debt. It breaks the rule some
>>> advocate of keeping X weeks of income on hand as emergency savings,
>> Its a completely stupid rule when you have that type of mortgage.
>
> And what "type" is that? Since the OP didn't say what type mortgage he has,
> your response is totally baseless and worthless.
>
>

I currently have about 9 or 10 years left on a 15 year fixed, and no HELOC.

== 2 of 9 ==
Date: Sat, Aug 23 2008 12:08 pm
From: "JR Weiss"


"Derald" <derald@invalid.net> wrote...
>
>>Most/all ETFs will incur a brokerage fee and further penalties if withdrawn
>>prior to 30-90 days. None have guaranteed returns.

> Excuse me? What did I miss? "ET" = secondary market.... In truth,
> almost nothing has "guaranteed" returns; that term is simply a sales
> pitch.

Correct. "ETF" simply stands for Exchange Traded Fund. AFAIK, there is not one
that can legally claim guaranteed returns, even in a "sales pitch.".


> Although not my cup of tea and it's run may be over, based on
> market price a/o close of business 8/22, at $105.12, Proshares'
> Ultrashort Msci Eafe (EFU ) is up nearly 44% YTD. Tradeking's ETF
> commission is an exhorbitant $4.95....

As always, you take market risk when you invest in the stock market. While the
OP might choose a fund or security that gains 44% over 8 months, he could well
choose one that declines the same amount. For anyone who wants money available
within "a few weeks," an ETF is not a normal candidate because of significant
withdrawal penalties in the first 30-90 days in addition to any brokerage
commissions.

An ETF may well be a good choice for a medium- to long-term investment. It just
isn't suitable as an "emergency savings" vehicle where the money has to be
"safe" (another relative term) and immediately available.


> I did not infer OP to be an "old woman": As I see it, beyond the
> tax advantages of an IRA (for which "short" funds qualify) AWA a few
> laddered CDs during dry times (certainly nothing longer than 12-18
> months) the notion of "sticking" cash into a vault or a long-term
> fixed-rate instrument and hoping for the best is ludicrous when, if a
> person would spend a fraction of his NFL-watching time actually
> _managing_ his money, including investing whatever fees he may be paying
> to some "financial planner" quack, he could actually make money in good
> times or bad. Sure, most of those buy-and-holders who're losing their
> asses will eventually regain their losses but odds are they'll be dead
> by the time that happens.

We have no idea what the OP's current investment position is. While he says his
only debt is his mortgage, we do not know the positions or magnitudes of his
current investments. His criteria to us were "safe" and available "in a few
weeks." To me, that describes the emergency savings portion of his total
investments, not his long-term equity and hedge holdings. He should select the
savings vehicle accordingly.

== 3 of 9 ==
Date: Sat, Aug 23 2008 12:15 pm
From: "JR Weiss"


"timeOday" <timeOday-UNSPAM@theknack.net> wrote...
>
> I currently have about 9 or 10 years left on a 15 year fixed, and no HELOC.

That's a good position to be in, as long as it is affordable (both principal and
interest rate). You are now in the period where a significant portion of your
payment goes to principal, so additional payments won't have quite the same
level of beneficial effect they would have had at the beginning.

If you have no other savings, a HELOC is NOT what you would want to have to rely
on if you lost your job -- it could well lead to losing your house as well!

A crusty CPA once told me, "What's more important than the return ON your
investment is the return OF your investment." That's a good rule for your
"emergency savings" account. You may not get more than 4.5% on a bank CD right
now, but it's better than 1.5% and just as safe as a deposit account. Your
principal won't "dwindle to nothing," either. If your mortgage is less than
about 6% APR and you are able to take advantage of its tax deductibility, you
would be better off building your emergency savings account than paying down the
mortgage. If you have lots of excess cash flow, do some of each!

== 4 of 9 ==
Date: Sat, Aug 23 2008 12:44 pm
From: clams_casino


JR Weiss wrote:

>"timeOday" <timeOday-UNSPAM@theknack.net> wrote...
>
>
>>I currently have about 9 or 10 years left on a 15 year fixed, and no HELOC.
>>
>>
>
>That's a good position to be in, as long as it is affordable (both principal and
>interest rate). You are now in the period where a significant portion of your
>payment goes to principal, so additional payments won't have quite the same
>level of beneficial effect they would have had at the beginning.
>
>If you have no other savings, a HELOC is NOT what you would want to have to rely
>on if you lost your job -- it could well lead to losing your house as well!
>
>
True, but if you were to gradually pay down $10k against your mortgage,
you'll have much more equity to borrow than if you put $10K in a taxable
savings account.

Bottom line is you can potentially lose that house faster when you
savings run dry sooner.

>A crusty CPA once told me, "What's more important than the return ON your
>investment is the return OF your investment." That's a good rule for your
>"emergency savings" account. You may not get more than 4.5% on a bank CD right
>now, but it's better than 1.5% and just as safe as a deposit account.
>

4.5% on a CD cashable within a few weeks notice? Any examples?

> Your
>principal won't "dwindle to nothing," either. If your mortgage is less than
>about 6% APR and you are able to take advantage of its tax deductibility, you
>would be better off building your emergency savings account than paying down the
>mortgage.
>

Your math escapes me. I haven't seen a short term CD that has a higher
interest rate than a typical mortgage in some 25 years.

Any examples of 6% CDs that can be cashed within a few weeks notice?

== 5 of 9 ==
Date: Sat, Aug 23 2008 12:52 pm
From: "Rod Speed"


George <george@nospam.invalid> wrote:
> timeOday wrote:
>
>>
>> Considering the rapid increase in standard of living in China and
>> India over the last decade or so, and considering we do business
>> with them, it surprises me that the median US standard of living
>> really hasn't increased in a generation or so. Some things get
>> better (e.g. invention of the Internet) while others get worse (e.g.
>> affordability of beach-front property).
>>
> Why would it? Consider that China is doing things we used to do and
> thats why their standard of living increased.
>
> Previously we had lots of good paying manufacturing jobs which
> enabled a true middle class.

The real middle class never ever was involved in manufacturing jobs.


== 6 of 9 ==
Date: Sat, Aug 23 2008 12:59 pm
From: "Rod Speed"


JR Weiss <jrweiss98155remove@remove.comcast.net> wrote:
> "Derald" <derald@invalid.net> wrote...
>>
>>> Most/all ETFs will incur a brokerage fee and further penalties if
>>> withdrawn prior to 30-90 days. None have guaranteed returns.
>
>> Excuse me? What did I miss? "ET" = secondary market.... In truth,
>> almost nothing has "guaranteed" returns; that term is simply a sales
>> pitch.
>
> Correct. "ETF" simply stands for Exchange Traded Fund. AFAIK, there
> is not one that can legally claim guaranteed returns, even in a
> "sales pitch.".
>
>> Although not my cup of tea and it's run may be over, based on
>> market price a/o close of business 8/22, at $105.12, Proshares'
>> Ultrashort Msci Eafe (EFU ) is up nearly 44% YTD. Tradeking's ETF
>> commission is an exhorbitant $4.95....
>
> As always, you take market risk when you invest in the stock market. While the OP might choose a fund or security that
> gains 44% over 8
> months, he could well choose one that declines the same amount. For
> anyone who wants money available within "a few weeks," an ETF is not
> a normal candidate because of significant withdrawal penalties in the
> first 30-90 days in addition to any brokerage commissions.
>
> An ETF may well be a good choice for a medium- to long-term
> investment. It just isn't suitable as an "emergency savings" vehicle
> where the money has to be "safe" (another relative term) and
> immediately available.
>
>> I did not infer OP to be an "old woman": As I see it, beyond the
>> tax advantages of an IRA (for which "short" funds qualify) AWA a few
>> laddered CDs during dry times (certainly nothing longer than 12-18
>> months) the notion of "sticking" cash into a vault or a long-term
>> fixed-rate instrument and hoping for the best is ludicrous when, if a
>> person would spend a fraction of his NFL-watching time actually
>> _managing_ his money, including investing whatever fees he may be
>> paying to some "financial planner" quack, he could actually make
>> money in good times or bad. Sure, most of those buy-and-holders
>> who're losing their asses will eventually regain their losses but
>> odds are they'll be dead by the time that happens.

> We have no idea what the OP's current investment position is. While he says his only debt is his mortgage, we do not
> know the positions or magnitudes of his current investments.

You dont know that he has any except that cash he is looking for a decent return on.

In fact his 'where to put my money' implys that thats all he has.

> His criteria to us were "safe" and available "in a few weeks." To me, that describes the emergency savings portion of
> his total investments, not his long-term equity and hedge holdings.

More fool you. If anything the words he used implys the opposite.

> He should select the savings vehicle accordingly.

And paying down his mortgage if its a HELOC is STILL going to produce the best after tax return.


== 7 of 9 ==
Date: Sat, Aug 23 2008 1:12 pm
From: "Rod Speed"


JR Weiss <jrweiss98155remove@remove.comcast.net> wrote
> timeOday <timeOday-UNSPAM@theknack.net> wrote

>> I currently have about 9 or 10 years left on a 15 year fixed, and no HELOC.

> That's a good position to be in, as long as it is affordable (both principal and interest rate). You are now in the
> period where a significant portion of your payment goes to principal, so additional payments won't have quite the same
> level of beneficial effect they would have had at the beginning.

> If you have no other savings, a HELOC is NOT what you would want to have to rely on if you lost your job

Wrong. Its still a lot better than having an emergency fund
that returns the sort of dismal rate of return that he listed.

Particularly if you are the sort of indivual that can always get another job
if you lose the first one, even if its not the most ideal job. All you are
covering is the short time between jobs and the HELOC will do that fine.

> -- it could well lead to losing your house as well!

Thanks for that completely superfluous proof that you have
never ever had a fucking clue about anything at all, ever.

Consider the situation where the mortgage is already a HELOC.

You have a wad of cash that you dont like the return you are currently getting, his situation.

You use that case to pay down the mortgage.

If you do lose your job, you just draw down the mortgage by the amount of cash that
you were considering where to put, and you are much better off than you had been
if you had put that wad of cash anywhere else with anything like the same security.

There is no more risk of losing the house than if you had put that wad of cash in say a series
of CDs and in fact are at less risk of losing the house than you would have been with the CDs
because you have earned rather more on that wad of cash than you would have done with the CDs.

> A crusty CPA once told me, "What's more important than the return ON your investment is the return OF your
> investment." That's a good rule for your "emergency savings" account.

Only a fool has an emergency saving account if they have a HELOC mortgage.

You qualify.

> You may not get more than 4.5% on a bank CD right now, but it's better than 1.5% and just as safe as a deposit
> account.

And the HELOC mortgage provides a better return
again, particularly when tax is included in the calculation.

> Your principal won't "dwindle to nothing," either. If your mortgage is less than about 6% APR and you are able to
> take advantage of its tax deductibility, you would be better off building your emergency savings account than paying
> down the mortgage.

Wrong, as always.

> If you have lots of excess cash flow, do some of each!

Or tell fools like you that you dont have a clue.


== 8 of 9 ==
Date: Sat, Aug 23 2008 2:49 pm
From: "JR Weiss"


"clams_casino" <PeterGriffin@DrunkinClam.com> wrote...
>
> 4.5% on a CD cashable within a few weeks notice? Any examples?

WAMU in Seattle has 4.51% on 12-18 mo CDs (as of last week; they change every
Friday). In the context of building a series of staggered CDs like the 2-month
stagger I talked about the other day, he can get to that point gradually.

>> Your principal won't "dwindle to nothing," either. If your mortgage is less
>> than about 6% APR and you are able to take advantage of its tax
>> deductibility, you would be better off building your emergency savings
>> account than paying down the mortgage.
>
> Your math escapes me. I haven't seen a short term CD that has a higher
> interest rate than a typical mortgage in some 25 years.

Rough numbers... At a 25% marginal tax rate, a 6% mortgage really "costs" 4.5%.
Since we don't know what his mortgage rate is now, we don't know what his "cost"
of putting $$ into savings vs mortgage paydown is. Also, since we don't know
his cash flow or current savings, we can only make rough guesses.

Since he's had the mortgage 5-6 years, it could be at virtually any rate from
4-9%, depending on his creditworthiness at the time he took it out. The 6%
threshold is merely a point, given some rough assumptions, that paying down the
mortgage could be seen to be more advantageous than putting the $$ in savings.


== 9 of 9 ==
Date: Sat, Aug 23 2008 2:58 pm
From: "JR Weiss"


"Rod Speed" <rod.speed.aaa@gmail.com> wrote...
>
>> We have no idea what the OP's current investment position is. While he says
>> his only debt is his mortgage, we do not know the positions or magnitudes of
>> his current investments.
>
> You dont know that he has any except that cash he is looking for a decent
> return on.
>
> In fact his 'where to put my money' implys that thats all he has.

Nope. We have NO idea of the size of his mortgage or of the money he is looking
to place. Whatever that amount is, it could well be in addition to retirement
accounts such as IRAs and/or 401Ks, and possibly in addition to some long-term
investments he considers "untouchable." Without his input, we can make no safe
assumptions on those amounts (or lack of).

>> He should select the savings vehicle accordingly.
>
> And paying down his mortgage if its a HELOC is STILL going to produce the best
> after tax return.

He has no HELOC now. We have no idea whether he qualifies for a HELOC now, or
whether he would qualify for an amount equal to what he wants to "save." We
have no idea where he lives (other than in the US, which was part of one of the
URLs he initially posted), so we have no idea as to whether he can pay down his
mortgage enough to get a HELOC in the amount he would want. We have no idea of
his credit rating, so we don't know if he would get a HELOC at a reasonable rate
even if he met the standard 80% loan-equity criteria.

Paying down the mortgage rate will REDUCE his interest deductibility and REDUCE
the interest gotten on the $$ from the current 1.5% to 0! How is that going to
give a better after-tax return?!?



==============================================================================
TOPIC: Air filters, HEPA filters, HEPA purifiers
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e72effb15703c4b0?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 11:48 am
From: "JR Weiss"


<david7gable@aol.com> wrote in message...
>
> The question is, do air filters work? We have a one-room basement
> apartment in our home, where, alas, the dust gathers in copious
> quantities, at least compared to upstairs. Would a good air filter or
> air purifier essentially remove the dust from the atmosphere? Which
> filter or purifier do you recommend?

You'll need a whole-house unit that goes in the ductwork of your
heating/air-conditioning unit. The old Honeywell electrostatic ones were good
in their day, but are expensive. There are models with HEPA filters, too.

You will have to clean the whole house first (with vacuum cleaners that have
HEPA filters) to eliminate what is there already, and keep doors & windows
closed.



==============================================================================
TOPIC: The DSL 12-Month Commitment
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb1b6c0797411fac?hl=en
==============================================================================

== 1 of 5 ==
Date: Sat, Aug 23 2008 12:46 pm
From: "Rod Speed"


Some gutless fuckwit desperately cowering behind
Messiah Obama <spam@nospam.org> wrote the completely superfluous
proof that its never ever had a fucking clue about anything at all, ever.


== 2 of 5 ==
Date: Sat, Aug 23 2008 1:27 pm
From: spam@nospam.org (Messiah Obama)


On Sun, 24 Aug 2008 05:46:20 +1000, "Rod Speed"
<rod.speed.aaa@gmail.com> wrote:

>Some gutless fuckwit desperately cowering behind
>Messiah Obama <spam@nospam.org> wrote the completely superfluous
>proof that its never ever had a fucking clue about anything at all, ever.
>
>
Corporate 'ho'.

== 3 of 5 ==
Date: Sat, Aug 23 2008 2:28 pm
From: "Rod Speed"


Some gutless fuckwit desperately cowering behind
Messiah Obama <spam@nospam.org> wrote the completely superfluous
proof that its never ever had a fucking clue about anything at all, ever.


== 4 of 5 ==
Date: Sat, Aug 23 2008 3:10 pm
From: spam@nospam.org (Messiah Obama)


On Sun, 24 Aug 2008 07:28:15 +1000, "Rod Speed"
<rod.speed.aaa@gmail.com> wrote:

>Some gutless fuckwit desperately cowering behind
>Messiah Obama <spam@nospam.org> wrote the completely superfluous
>proof that its never ever had a fucking clue about anything at all, ever.
>
>
Huzzy.

== 5 of 5 ==
Date: Sat, Aug 23 2008 3:24 pm
From: "Rod Speed"


Some gutless fuckwit desperately cowering behind
Messiah Obama <spam@nospam.org> wrote the completely superfluous
proof that its never ever had a fucking clue about anything at all, ever.



==============================================================================
TOPIC: Sanyon Enerloop any good?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/1c30a867749390d0?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Aug 23 2008 1:13 pm
From: me@privacy.net


Sanyo has rechargeable battery system called Enerloop

I have a Texas Instruments 84 graphing calculator and
various other small devices that seem to eat up AA and
AAA batteries.

Would it be frugal to buy this Sanyo system instead of
throw away batteries?

== 2 of 2 ==
Date: Sat, Aug 23 2008 2:29 pm
From: "Rod Speed"


me@privacy.net wrote:
> Sanyo has rechargeable battery system called Enerloop
>
> I have a Texas Instruments 84 graphing calculator and
> various other small devices that seem to eat up AA and
> AAA batteries.
>
> Would it be frugal to buy this Sanyo system instead of
> throw away batteries?

Depends on whether the calculator can handle the lower battery voltage.



==============================================================================
TOPIC: Vote for John McCain.. a mans man...not some pointy nose, smart guy.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f41a0c9e221cb6f?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, Aug 23 2008 1:23 pm
From: phil scott


On Aug 23, 1:59 am, "Stephanie" <h...@noway.net> wrote:
> phil scott wrote:
> >http://www.youtube.com/watch?v=RGWakF5XgYM&NR=1
>
> Usenet is truely dead.

was *that nice? nooo0000ooooo,

== 2 of 3 ==
Date: Sat, Aug 23 2008 2:14 pm
From: "Stephanie"


Rod Speed wrote:
> Stephanie <haaa@noway.net> wrote
>> phil scott wrote
>
>>> http://www.youtube.com/watch?v=RGWakF5XgYM&NR=1
>
>> Usenet is truely dead.
>
> Reports of its death are greatly exaggerated.

Was it mean? What is the purpose of a politcal opinion in a group that is
supposed to be about frugality without even an off topic notifier?


== 3 of 3 ==
Date: Sat, Aug 23 2008 2:31 pm
From: "Rod Speed"


Stephanie <haaa@noway.net> wrote
> Rod Speed wrote
>> Stephanie <haaa@noway.net> wrote
>>> phil scott wrote

>>>> http://www.youtube.com/watch?v=RGWakF5XgYM&NR=1

>>> Usenet is truely dead.

>> Reports of its death are greatly exaggerated.

> Was it mean? What is the purpose of a politcal opinion in a group
> that is supposed to be about frugality without even an off topic notifier?

Straight over its head and into the wall behind it with a resounding clang.

A Jap would at least have the decency to disembowel itself.

Dont make a mess of the carpet.



==============================================================================
TOPIC: CNN: Half-ton woman indicted in slaying of nephew
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/935cc02fc86d96ba?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 2:59 pm
From: "JonquilJan"


Why set bail. They know where she is - and will be certain to be able to
track her if she moves around.

BUT - the thing thats being ignored is that she violently KILLED a child.
Doesn't matter how fat - or thin - she is - she killed a child. That seems
to have been forgotten.

JonquilJan

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



==============================================================================
TOPIC: Millions of tires subject to recall due to blowout hazard
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e5bd68d9e7fcbe32?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 3:24 pm
From: ultimauw@hotmail.com


http://abclocal.go.com/kabc/story?section=news/consumer/recalls&id=6338125

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

25 new messages in 12 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:

* "Are Teachers Overpaid?" by Mr. Tamim Ansary - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bc0959f836a427e3?hl=en
* Vote for John McCain.. a mans man...not some pointy nose, smart guy. - 2
messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f41a0c9e221cb6f?hl=en
* Air filters, HEPA filters, HEPA purifiers - 4 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e72effb15703c4b0?hl=en
* Exploding iPods! - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/20415c036fa62cee?hl=en
* I've 3 Cheap Dial-Ups & Want To Upgrade But... - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8b63cd812bb931f5?hl=en
* The DSL 12-Month Commitment - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb1b6c0797411fac?hl=en
* Use it or lose it? - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
* CNN: Half-ton woman indicted in slaying of nephew - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/935cc02fc86d96ba?hl=en
* How to select a reliable used car? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4d6e74503ddeed27?hl=en
* Would you stop for a moment?! - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/19eea8f844214832?hl=en
* Green House remote wireless thermometer - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0c802fa88921c600?hl=en
* Cell phone fragility? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a5e26553db076b8?hl=en

==============================================================================
TOPIC: "Are Teachers Overpaid?" by Mr. Tamim Ansary
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bc0959f836a427e3?hl=en
==============================================================================

== 1 of 2 ==
Date: Fri, Aug 22 2008 11:27 pm
From: "Rod Speed"


The Real Bev <bashley101+usenet@gmail.com> wrote
> terryc wrote
>> The Real Bev wrote
>>> Rod Speed wrote

>>>> And what matters gets done fine, regardless of the teachers.

>>>> Essentially because those that matter dont need teachers.

>>> What about the other 90%?

>> For those there is porn and sport at all levels and grades.

> How many jobs are available in those fields? Way smaller number than the number of hopeless losers who figured that's
> what they'd do when they grew up.

Even the hopelessly inadequate teachers do manage
to teach even those how to read and watch TV etc.


== 2 of 2 ==
Date: Sat, Aug 23 2008 1:58 am
From: "Stephanie"


terryc wrote:
> On Thu, 21 Aug 2008 21:51:12 -0700, The Real Bev wrote:
>
>
>> What about the other 90%?
>
> For those there is porn and sport at all levels and grades.


Idiocracy.



==============================================================================
TOPIC: Vote for John McCain.. a mans man...not some pointy nose, smart guy.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4f41a0c9e221cb6f?hl=en
==============================================================================

== 1 of 2 ==
Date: Sat, Aug 23 2008 1:59 am
From: "Stephanie"


phil scott wrote:
> http://www.youtube.com/watch?v=RGWakF5XgYM&NR=1


Usenet is truely dead.


== 2 of 2 ==
Date: Sat, Aug 23 2008 2:44 am
From: "Rod Speed"


Stephanie <haaa@noway.net> wrote
> phil scott wrote

>> http://www.youtube.com/watch?v=RGWakF5XgYM&NR=1

> Usenet is truely dead.

Reports of its death are greatly exaggerated.



==============================================================================
TOPIC: Air filters, HEPA filters, HEPA purifiers
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e72effb15703c4b0?hl=en
==============================================================================

== 1 of 4 ==
Date: Sat, Aug 23 2008 2:22 am
From: "david7gable@aol.com"

The question is, do air filters work? We have a one-room basement
apartment in our home, where, alas, the dust gathers in copious
quantities, at least compared to upstairs. Would a good air filter or
air purifier essentially remove the dust from the atmosphere? Which
filter or purifier do you recommend?

-david gable

== 2 of 4 ==
Date: Sat, Aug 23 2008 2:39 am
From: "Rod Speed"


david7gable@aol.com wrote:

> The question is, do air filters work?

Nope.

> We have a one-room basement apartment in our home, where, alas, the
> dust gathers in copious quantities, at least compared to upstairs. Would a
> good air filter or air purifier essentially remove the dust from the atmosphere?

Not if thats all you do.

> Which filter or purifier do you recommend?

None of them.

I have found that fully air conditioned rooms do eliminate the dust problem.

Rather an expensive fix tho.

Why does the dust matter ?


== 3 of 4 ==
Date: Sat, Aug 23 2008 5:20 am
From: "Bill"


HEPA is the best. You can get HEPA air cleaners at Walmart for an "arm"
(instead of an arm and a leg). The larger models are more quiet.


<david7gable@aol.com> wrote in message
>
> The question is, do air filters work? We have a one-room basement
> apartment in our home, where, alas, the dust gathers in copious
> quantities, at least compared to upstairs. Would a good air filter or
> air purifier essentially remove the dust from the atmosphere? Which
> filter or purifier do you recommend?
>
> -david gable


== 4 of 4 ==
Date: Sat, Aug 23 2008 7:13 am
From: Al Bundy


david7gable@aol.com wrote:
> The question is, do air filters work? We have a one-room basement
> apartment in our home, where, alas, the dust gathers in copious
> quantities, at least compared to upstairs. Would a good air filter or
> air purifier essentially remove the dust from the atmosphere? Which
> filter or purifier do you recommend?
>
> -david gable

There is no hope unless you are willing to address the whole home
environment.
I have a friend who is like the neat freak in the Odd Couple show. The
guy keeps nothing that is not being used. There are no carpets. All
the floors are finished wood. The furniture is wood or leather. He
cleans constantly. I took his six year old computer tower apart and
there was no dust. The fan blades were clean black plastic. I have
never seen such a thing before except in the clean rooms of
pharmaceutical labs. If you are not crazy or willing to spend a
fortune, just do what you can to avoid the dust producers and enjoy
life.


==============================================================================
TOPIC: Exploding iPods!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/20415c036fa62cee?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, Aug 23 2008 3:33 am
From: Shawn Hirn


In article <U62dnai4WonIsDDVnZ2dnUVZ_tninZ2d@giganews.com>,
Steve de Mena <steve@stevedemena.com> wrote:

> Shawn Hirn wrote:
> > In article <LP6dnUlQWLOSejHVnZ2dnUVZ_uednZ2d@giganews.com>,
> > Steve de Mena <steve@stevedemena.com> wrote:
> >
> >> Shawn Hirn wrote:
> >>
> >>> I am a long time Apple user and that hasn't been my experience at all. I
> >>> own one of those first generation iPod nanos, which was a gift. I also
> >>> own an Apple G5 PowerMac, an Apple MacPro (Intel-based) and an Apple
> >>> MacBook Pro (Intel based) and all of them work beautifully. I am using
> >>> the MacBook Pro to type this message.
>
> >> Do you have an ATI x1900 XT graphics card in your Mac Pro?
> >
> > No. I have a first-generation MacBook Pro which has the Radeon X1600
> > graphics card.
>
> You said you had a Mac Pro too. (the tower, not the laptop).
>
> The first generation MacBook Pros were so hot you couldn't put them on
> your lap and use them. I have the 2nd gen one that fixed that problem.

Sorry, I was tired when I read your question. I have a MacBook Pro
(laptop) at home and a MacPro (tower) at work in my office. I am home so
I can't look at what my MacPro has, but if you write to me privately, I
will tell you what graphics card it has when I am at work next, which
will be this Tuesday.

My MacBook Pro does get hot, but I can use it in my lap for a little
while before it gets uncomfortable. I have a little platform for it
though with a USB fan, which solves the problem.

== 2 of 3 ==
Date: Sat, Aug 23 2008 6:05 am
From: "Mocassin Joe"

"Shawn Hirn" <srhi@comcast.net> wrote in message
news:srhi-46B542.06331223082008@newsgroups.comcast.net...
> In article <U62dnai4WonIsDDVnZ2dnUVZ_tninZ2d@giganews.com>,
> Steve de Mena <steve@stevedemena.com> wrote:
>
>> Shawn Hirn wrote:
>> > In article <LP6dnUlQWLOSejHVnZ2dnUVZ_uednZ2d@giganews.com>,
>> > Steve de Mena <steve@stevedemena.com> wrote:
>> >
>> >> Shawn Hirn wrote:
>> >>
>> >>> I am a long time Apple user and that hasn't been my experience at
>> >>> all. I
>> >>> own one of those first generation iPod nanos, which was a gift. I
>> >>> also
>> >>> own an Apple G5 PowerMac, an Apple MacPro (Intel-based) and an Apple
>> >>> MacBook Pro (Intel based) and all of them work beautifully. I am
>> >>> using
>> >>> the MacBook Pro to type this message.
>>
>> >> Do you have an ATI x1900 XT graphics card in your Mac Pro?
>> >
>> > No. I have a first-generation MacBook Pro which has the Radeon X1600
>> > graphics card.
>>
>> You said you had a Mac Pro too. (the tower, not the laptop).
>>
>> The first generation MacBook Pros were so hot you couldn't put them on
>> your lap and use them. I have the 2nd gen one that fixed that problem.
>
> Sorry, I was tired when I read your question. I have a MacBook Pro
> (laptop) at home and a MacPro (tower) at work in my office. I am home so
> I can't look at what my MacPro has, but if you write to me privately, I
> will tell you what graphics card it has when I am at work next, which
> will be this Tuesday.
>
> My MacBook Pro does get hot, but I can use it in my lap for a little
> while before it gets uncomfortable. I have a little platform for it
> though with a USB fan, which solves the problem.

Is that little platform with fan an Apple option? My MIL has suffered third
degree burns from using her MacBook, and I would love to buy the little
platform for her. Your help would be appreciated.


== 3 of 3 ==
Date: Sat, Aug 23 2008 9:14 am
From: Shawn Hirn


In article <qVTrk.16618$vX2.10322@bignews6.bellsouth.net>,
"Mocassin Joe" <jmocasanto@comcast.net> wrote:

> "Shawn Hirn" <srhi@comcast.net> wrote in message
> news:srhi-46B542.06331223082008@newsgroups.comcast.net...
> > In article <U62dnai4WonIsDDVnZ2dnUVZ_tninZ2d@giganews.com>,
> > Steve de Mena <steve@stevedemena.com> wrote:
> >
> >> Shawn Hirn wrote:
> >> > In article <LP6dnUlQWLOSejHVnZ2dnUVZ_uednZ2d@giganews.com>,
> >> > Steve de Mena <steve@stevedemena.com> wrote:
> >> >
> >> >> Shawn Hirn wrote:
> >> >>
> >> >>> I am a long time Apple user and that hasn't been my experience at
> >> >>> all. I
> >> >>> own one of those first generation iPod nanos, which was a gift. I
> >> >>> also
> >> >>> own an Apple G5 PowerMac, an Apple MacPro (Intel-based) and an Apple
> >> >>> MacBook Pro (Intel based) and all of them work beautifully. I am
> >> >>> using
> >> >>> the MacBook Pro to type this message.
> >>
> >> >> Do you have an ATI x1900 XT graphics card in your Mac Pro?
> >> >
> >> > No. I have a first-generation MacBook Pro which has the Radeon X1600
> >> > graphics card.
> >>
> >> You said you had a Mac Pro too. (the tower, not the laptop).
> >>
> >> The first generation MacBook Pros were so hot you couldn't put them on
> >> your lap and use them. I have the 2nd gen one that fixed that problem.
> >
> > Sorry, I was tired when I read your question. I have a MacBook Pro
> > (laptop) at home and a MacPro (tower) at work in my office. I am home so
> > I can't look at what my MacPro has, but if you write to me privately, I
> > will tell you what graphics card it has when I am at work next, which
> > will be this Tuesday.
> >
> > My MacBook Pro does get hot, but I can use it in my lap for a little
> > while before it gets uncomfortable. I have a little platform for it
> > though with a USB fan, which solves the problem.
>
> Is that little platform with fan an Apple option? My MIL has suffered third
> degree burns from using her MacBook, and I would love to buy the little
> platform for her. Your help would be appreciated.

You can buy them at any decent computer store for about $20. This
heating problem is common on many laptops, not just Apple's. I have an
HP laptop from work that gets just as hot, if not hotter, then my
MacBook Pro.


==============================================================================
TOPIC: I've 3 Cheap Dial-Ups & Want To Upgrade But...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8b63cd812bb931f5?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, Aug 23 2008 3:35 am
From: Shawn Hirn


In article <Xns9B0192E07B0BEgreederxprtnet@194.177.96.26>,
Gordon <gonzo@alltomyself.com> wrote:

> Relaxin@home.net (Liberal's Worst Nightmare) wrote in
> news:48ad805f.13959203@news.datemas.de:
>
> > The cheapest dial-up yields at least one busy signal every third day
> > and downloads 24-48 kbps.
> >
> > Another one rarely has a busy signal, downloads 24-48, and has a nice
> > Usenet server.
> >
> > The third one never has a busy signal but dowload speed never tops 28.
> >
> > Total monthly cost for all 3 is about the same as one DSL which is now
> > available here.
> >
> > Sure would like to have DSL to see video clips, youtube, etc.
> >
> > Unfortunately, the reports about DSL product reliability and lousy
> > support have scared me off.
>
> Join the 21st Century and get DSL. Plenty of people have DSL
> and never experience a problem. If you like Unenet, you may
> want to keep the dialup that has the good usenet server. You may
> be able to log into the server from your DSL connection. Try it
> and see.

I agree. Many people (including all of my friends and most of my family)
have DSL. Like any technology, there are problems for some people, but
most people have no problems, or minimal problems.

== 2 of 3 ==
Date: Sat, Aug 23 2008 3:35 am
From: Shawn Hirn


In article <48ade0ae.38614500@news-60.giganews.com>,
Windswept@Home (Jack) wrote:

> On Thu, 21 Aug 2008 23:26:19 +0200 (CEST), Gordon
> <gonzo@alltomyself.com> wrote:
>
> >Relaxin@home.net (Liberal's Worst Nightmare) wrote in
> >news:48ad805f.13959203@news.datemas.de:
> >
> >> The cheapest dial-up yields at least one busy signal every third day
> >> and downloads 24-48 kbps.
> >>
> >> Another one rarely has a busy signal, downloads 24-48, and has a nice
> >> Usenet server.
> >>
> >> The third one never has a busy signal but dowload speed never tops 28.
> >>
> >> Total monthly cost for all 3 is about the same as one DSL which is now
> >> available here.
> >>
> >> Sure would like to have DSL to see video clips, youtube, etc.
> >>
> >> Unfortunately, the reports about DSL product reliability and lousy
> >> support have scared me off.
> >
> >Join the 21st Century and get DSL. Plenty of people have DSL
> >and never experience a problem. If you like Unenet, you may
> >want to keep the dialup that has the good usenet server. You may
> >be able to log into the server from your DSL connection. Try it
> >and see.
>
> Sure would like to.
>
> Yeah, I understand that you can keep a dial-up for back up but need to
> remove the DSL stuff and revert to the dial-up wiring and connection
> set-up.

So?

== 3 of 3 ==
Date: Sat, Aug 23 2008 5:09 am
From: Jack Bauer


Liberal's Worst Nightmare wrote:
> The cheapest dial-up yields at least one busy signal every third day
> and downloads 24-48 kbps.
>
> Another one rarely has a busy signal, downloads 24-48, and has a nice
> Usenet server.
>
> The third one never has a busy signal but dowload speed never tops 28.
>
> Total monthly cost for all 3 is about the same as one DSL which is now
> available here.
>
> Sure would like to have DSL to see video clips, youtube, etc.
>
> Unfortunately, the reports about DSL product reliability and lousy
> support have scared me off.

Who are these dial-up ISP's? It would nice to see a mini-review of
each, but with names.


==============================================================================
TOPIC: The DSL 12-Month Commitment
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/bb1b6c0797411fac?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 4:48 am
From: Relaxin@home.net (Messiah Obama)


On Sat, 23 Aug 2008 12:06:19 +1000, "Rod Speed"
<rod.speed.aaa@gmail.com> wrote:

>Some gutless fuckwit desperately cowering behind
>Messiah Obama <spam@nospam.org> wrote the completely superfluous
>proof that its never ever had a fucking clue about anything at all, ever.
>
>
Shameless huzzy.

Prostitutin' yaself like that


==============================================================================
TOPIC: Use it or lose it?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8826541b5009dfa9?hl=en
==============================================================================

== 1 of 3 ==
Date: Sat, Aug 23 2008 6:40 am
From: Derald


"JR Weiss" <jrweiss98155remove@remove.comcast.net> wrote:

>Most/all ETFs will incur a brokerage fee and further penalties if withdrawn
>prior to 30-90 days. None have guaranteed returns.
Excuse me? What did I miss? "ET" = secondary market.... In truth,
almost nothing has "guaranteed" returns; that term is simply a sales
pitch.
Although not my cup of tea and it's run may be over, based on
market price a/o close of business 8/22, at $105.12, Proshares'
Ultrashort Msci Eafe (EFU ) is up nearly 44% YTD. Tradeking's ETF
commission is an exhorbitant $4.95....
I did not infer OP to be an "old woman": As I see it, beyond the
tax advantages of an IRA (for which "short" funds qualify) AWA a few
laddered CDs during dry times (certainly nothing longer than 12-18
months) the notion of "sticking" cash into a vault or a long-term
fixed-rate instrument and hoping for the best is ludicrous when, if a
person would spend a fraction of his NFL-watching time actually
_managing_ his money, including investing whatever fees he may be paying
to some "financial planner" quack, he could actually make money in good
times or bad. Sure, most of those buy-and-holders who're losing their
asses will eventually regain their losses but odds are they'll be dead
by the time that happens.

== 2 of 3 ==
Date: Sat, Aug 23 2008 6:43 am
From: George


timeOday wrote:

>
> Considering the rapid increase in standard of living in China and India
> over the last decade or so, and considering we do business with them, it
> surprises me that the median US standard of living really hasn't
> increased in a generation or so. Some things get better (e.g. invention
> of the Internet) while others get worse (e.g. affordability of
> beach-front property).
>
Why would it? Consider that China is doing things we used to do and
thats why their standard of living increased.

Previously we had lots of good paying manufacturing jobs which enabled a
true middle class.

== 3 of 3 ==
Date: Sat, Aug 23 2008 6:56 am
From: jdoe


On Sat, 23 Aug 2008 09:43:59 -0400, George <george@nospam.invalid>
wrote:

>timeOday wrote:
>
>>
>> Considering the rapid increase in standard of living in China and India
>> over the last decade or so, and considering we do business with them, it
>> surprises me that the median US standard of living really hasn't
>> increased in a generation or so. Some things get better (e.g. invention
>> of the Internet) while others get worse (e.g. affordability of
>> beach-front property).
>>
>Why would it? Consider that China is doing things we used to do and
>thats why their standard of living increased.
>
>Previously we had lots of good paying manufacturing jobs which enabled a
>true middle class.
it's called evolution, the work place in the US has evolved beyond
menial industrial tasks, people need to be trained and or educated in
order to make it in our society. People like you who are having
trouble with that reality are akin to the luddites who bemoaned the
industrial revolution.
the moral to the story is keep up or get left behind

for the original poster, the standard of living in the US has jumped
by leaps and bounds over the last 50 years, wake up and look around,
more people have a much better lifestyle than ever before, the same
moral holds true for people who think like you
__________________________________________
Never argue with an idiot.
They'll drag you down to their level and beat you with experience.


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TOPIC: CNN: Half-ton woman indicted in slaying of nephew
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/935cc02fc86d96ba?hl=en
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== 1 of 3 ==
Date: Sat, Aug 23 2008 5:50 am
From: Kel


On Aug 23, 1:19 am, Justin Case <flybyn...@rumor.com> wrote:
> > Hehe! That and a hell of a lot more. I don't believe this story
> > though. I have never heard of any human weighing that much. five
> > hundred to seven hundred yes, but not nine hundred and up.
>
> don't forget this is a Mexican, probably getting Federal Aid, and mucho
> food stamps, free medical and snacks.

I thought it might be Kris Baker when I read the line

== 2 of 3 ==
Date: Sat, Aug 23 2008 6:32 am
From: betty@somewhereelse.com (Betty)


On Fri, 22 Aug 2008, Justin Case <flybynite@rumor.com> wrote:
>>
>>Hehe! That and a hell of a lot more. I don't believe this story
>>though. I have never heard of any human weighing that much. five
>>hundred to seven hundred yes, but not nine hundred and up.
>
>don't forget this is a Mexican, probably getting Federal Aid, and mucho
>food stamps, free medical and snacks.

Sounds a lot like Bobbi Sanchez.


== 3 of 3 ==
Date: Sat, Aug 23 2008 6:34 am
From: Bluuuue rAjAh


larry@nowhere.com (Larry) wrote in
news:20080823015943.3904C4E4D7@outpost.zedz.net:

> http://www.cnn.com/2008/CRIME/08/22/obese.woman.ap/index.html
>
> EDINBURG, Texas (AP) -- Prosecutors are trying to decide how to jail
> and bring to court a nearly half-ton, bedridden woman accused of
> killing her 2-year-old nephew.
>
> A grand jury indicted Mayra Lizbeth Rosales, 27, on Thursday on one
> count of first-degree murder and on one count of injury to a child in
> the death of Eliseo Gonzalez Jr. She previously had been charged with
> capital murder.
>
> Rosales weighs nearly 1,000 pounds and cannot fit through a door to
> leave her home, leaving prosecutors wondering how to bring her to
> court. As of Thursday evening, she was not in custody.
>
> Hidalgo County Sheriff Lupe Trevino said that holding her at the
> county jail for her trial would be impossible because she needs
> extensive medical care.
>
> "She would die," Trevino said in Thursday's online edition of The
> Monitor in McAllen.
>
> The grand jury indicted Rosales after an autopsy confirmed
> investigators' suspicions that the child died March 18 because he had
> been struck. Investigators believe that the toddler was struck at
> least twice, crushing his head.
>
> Authorities recommended that Rosales' bail be set at $150,000.
>
> The boy's mother, Jaime Rosales, was charged with injury to a child
> because she is accused of leaving her son alone with his aunt. Her
> bail has been set at $100,000.

Setting bail seems to be a moot point, since they don't know how to
handle her in jail.


==============================================================================
TOPIC: How to select a reliable used car?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4d6e74503ddeed27?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 6:50 am
From: Jeff


capieleo wrote:
> good for you buddy...

You can congratulate me also as I just reported both your email
addresses and your Google Usenet account.

>
> this is just simple seo, no spam, as it will not trascend into
> something larger like a farm... in any case, an insightful and really
> informative source for car buying tips, car loans, calculator and such
> is indeed SPAM and I go back and forth from
> here to the US, as I have all my family living there, so next time,
> reserve it.

You can have a little talk about SEO with Google about this.

Welcome to Usenet.

Jeff


==============================================================================
TOPIC: Would you stop for a moment?!
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/19eea8f844214832?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 7:18 am
From: Al Bundy


aassime abdellatif wrote:
> ISLAM and the AIM of LIFE
>
So much talk

I can only go by what I see. I see terrorists. I smell a bad stink
when I get close. They push their way around the stores where they
shop and expect to cut in line ahead of others. Nope. The aim of their
life is to piss the world off.


==============================================================================
TOPIC: Green House remote wireless thermometer
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/0c802fa88921c600?hl=en
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== 1 of 1 ==
Date: Sat, Aug 23 2008 8:17 am
From: COOL


Useful remote wireless thermometer
http://www.wellcomestore.com/servlet/the-4/In-fdsh-Out-Temperature/Detail


==============================================================================
TOPIC: Cell phone fragility?
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/9a5e26553db076b8?hl=en
==============================================================================

== 1 of 1 ==
Date: Sat, Aug 23 2008 9:19 am
From: Ken


With a year Tracfone contract I was given a new LG 225 phone. This has
nice features and works well but has a stubby ~1 in. antenna sticking
out one side of the top. Does anyone know from experience if this is
fragile? Break easily? Should I be very cautious with it? I Googled but
didn't see any complaints in a quick search.

TIA

Ken


--
"When you choose the lesser of two evils, always
remember that it is still an evil." - Max Lerner


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