Frugal Living: Dec 11, 2008

Thursday, December 11, 2008

misc.consumers.frugal-living - 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:

==============================================================================
TOPIC: storing spices
http://groups.google.com/group/misc.consumers.frugal-living/t/efd68d1cb4d477b1?hl=en
==============================================================================

== 1 of 3 ==
Date: Wed, Dec 10 2008 10:24 pm
From: Goomba

Jack Ricci wrote:
> I buy very good quality spices from a small ethnic grocery store. The
> spices come in small pouches made of cellophane that fall apart when you
> open them. I would like to store them in small containers that I could
> reseal and that would keep the spices' flavor until needed. I realize
> that spices get stale quite fast, but still I would like to keep them
> for a reasonable period of time.
>
> Any suggestions? Thank you.

I keep all my spices (in spice jars and packets) in the freezer. They
remain fresh so much longer. The very worst place you can keep spices is
near the hot, humid stove. Yet you see people do that time and again.
I love the spices from Penzeys- www.penzeys.com

== 2 of 3 ==
Date: Thurs, Dec 11 2008 6:19 am
From: trm

On Dec 11, 12:12 am, Jack Ricci <jritc...@hotmail.com> wrote:
> I buy very good quality spices from a small ethnic grocery store. The
> spices come in small pouches made of cellophane that fall apart when you
> open them. I would like to store them in small containers that I could
> reseal and that would keep the spices' flavor until needed. I realize
> that spices get stale quite fast, but still I would like to keep them
> for a reasonable period of time.
>
> Any suggestions? Thank you.

Glass jars are great storing. We you don't have any old used empty
jars,
I like to use different size canning jars, their seal is very good.
Also storing the
spices in a cool place keeps them freasher, not necessary to put them
in the
freezer but may be the refrigerator, I just store mine in a cupboard
away from the stove.

== 3 of 3 ==
Date: Thurs, Dec 11 2008 8:35 am
From: Dave Garland

I find that larger prescription pill bottles work well for spices.
They're brown to block the effects of light, and they're composed of
plastic that won't react with medications (or spices). The kind that
are bottle-shaped work better than the kind that are tube-shaped. I
label them with a grease pencil and cover that marking with clear
tape, but one could get fancier with that (my beans store in pickle
jars that years ago I labeled with transfer letters protected with
clear nail polish).

Dave

==============================================================================
TOPIC: Apple PowerBook G4 12 Series battery
http://groups.google.com/group/misc.consumers.frugal-living/t/6523ef68daec41c6?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 11 2008 12:57 am
From: Zanasil

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M8760
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M8984
M8984G
M8984G/A
M8984GA
M9324
M9324G
M9324G/A
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M9324J/A
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and PowerBook G4 12 battery us:
http://www.power-batteries.net/notebook/apple/powerbook-g4-12-series.html

==============================================================================
TOPIC: APPLE 15-inch Aluminum PowerBook G4 Battery
http://groups.google.com/group/misc.consumers.frugal-living/t/b7a96986d67c4a74?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 11 2008 1:03 am
From: Zanasil

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Brand : Apple

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661-2927
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A1078
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Apple M8980LL/A
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Apple M8981LL/A
Apple M9421
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Apple M9677LL/A
Apple M9677TA/A
Apple M9677X/A
Apple M9677Z/A
Apple M9969*/A
Apple M9969B/A
Apple M9969CH/A
Apple M9969F/A
Apple M9969J/A
Apple M9969KH/A
Apple M9969LL/A
Apple M9969TA/A
Apple M9969X/A
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reference from:
http://www.laptop-battery-inc.co.uk/laptop-batteries/apple-15-inch-aluminum-powerbook-g4-series.htm

and
http://www.power-batteries.net/notebook/apple/15-inch-aluminum-powerbook-g4-series.html

==============================================================================
TOPIC: LAMINATE FLOORING ON BERBER CARPET
http://groups.google.com/group/misc.consumers.frugal-living/t/4530a9c2a751846c?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Dec 11 2008 2:31 am
From: "ROBERTMARKMAN@SBCGLOBAL.NET"

I am gearing up to lay laminate flooring in my living room, dining
room, and hall. I live one floor up in a 42 year old condo. The
subfloor is concrete slab covered with padding and berber carpet. Can
I install the laminate over the berber carpet? If so, would I need to
install a vapor barrier between the carpet and the laminate? Thanks.

== 2 of 2 ==
Date: Thurs, Dec 11 2008 3:14 am
From: max

In article
<45be5fb3-3506-478c-a35f-e5bbf5270e80@v42g2000yqj.googlegroups.com>,
"ROBERTMARKMAN@SBCGLOBAL.NET" <ROBERTMARKMAN@SBCGLOBAL.NET> wrote:

> I am gearing up to lay laminate flooring in my living room, dining
> room, and hall. I live one floor up in a 42 year old condo. The
> subfloor is concrete slab covered with padding and berber carpet. Can
> I install the laminate over the berber carpet? If so, would I need to
> install a vapor barrier between the carpet and the laminate? Thanks.

don't post drunk.

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==============================================================================
TOPIC: overdraft
http://groups.google.com/group/misc.consumers.frugal-living/t/338ed10d1ea2929c?hl=en
==============================================================================

== 1 of 10 ==
Date: Thurs, Dec 11 2008 3:17 am
From: max

In article <V%10l.6660$n_5.2126@bignews7.bellsouth.net>,
Jerry Trumball <Jer@privacy.com> wrote:

> max wrote:
> > In article <john-FFA973.20090110122008@news-1.octanews.net>,
> > "John A. Weeks III" <john@johnweeks.com> wrote:
> >
> >> In article <Ni_%k.6438$nD1.6219@bignews5.bellsouth.net>,
> >> Jerry Trumball <Jer@privacy.com> wrote:
> >>
> >>> My nephew had $80 in his checking account.
> >>> He deposited another $150.
> >>>
> >>> Then he wrote checks totaling $60.
> >>> He got overdraft notices for those checks.
> >>>
> >>> He didn't understand. Neither did his mother. She went to the bank
> >>> with him. The teller said they'd let it go this time, but next time he
> >>> would have to pay because it's bank policy. He and his mother still
> >>> don't understand.
> >>>
> >>> What's the bank doing?
> >> Was the $80 marked as "available funds"? You see, once you put
> >> a check in, it takes a while for it to get through the banking
> >> system, back to the bank where it was written, and confirmed that
> >> it is indeed a good check. If he put the $80 in as a check, then
> >> the next day wrote a $60 check, it very well could bounce.
> >>
> >> BOth your nephew and his mum need to ask about the available
> >> balance, not the gross balance.
> >>
> >> -john-
> >
> > in addition to the above excellent advice...
> >
> > It might be worth it to _remove_ overdraft protection from the account.
> > Note that debit card transactions can generate overdrafts too; even
> > those made from an ATM.
> >
> > Here <http://consumerist.com/search/overdraft/> is a great deal of
> > information about overdrafts. Consumerist does not like overdraft
> > protection. Read the links to understand why.
> >
> > Your nephew is lucky to have learned the lesson so cheaply; it could
> > have cost him hundreds of dollars!
> >
> > .max
> >
> I don't see anything at the cosumerist link that says overdraft
> protection is bad. What's wrong with it?

read the material.

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== 2 of 10 ==
Date: Thurs, Dec 11 2008 3:18 am
From: max

In article <N120l.6662$n_5.1168@bignews7.bellsouth.net>,
Jerry Trumball <Jer@privacy.com> wrote:

> John A. Weeks III wrote:
> > In article <Ni_%k.6438$nD1.6219@bignews5.bellsouth.net>,
> > Jerry Trumball <Jer@privacy.com> wrote:
> >
> >> My nephew had $80 in his checking account.
> >> He deposited another $150.
> >>
> >> Then he wrote checks totaling $60.
> >> He got overdraft notices for those checks.
> >>
> >> He didn't understand. Neither did his mother. She went to the bank
> >> with him. The teller said they'd let it go this time, but next time he
> >> would have to pay because it's bank policy. He and his mother still
> >> don't understand.
> >>
> >> What's the bank doing?
> >
> > Was the $80 marked as "available funds"? You see, once you put
> > a check in, it takes a while for it to get through the banking
> > system, back to the bank where it was written, and confirmed that
> > it is indeed a good check. If he put the $80 in as a check, then
> > the next day wrote a $60 check, it very well could bounce.
> >
> > BOth your nephew and his mum need to ask about the available
> > balance, not the gross balance.
> >
> > -john-
> >
> They understood the teller to say that there would have been no
> overdraft if he had not made the $150 deposit. Apparently the $80 was
> available before he deposited more money. Why wouldn't it cover $60 in
> checks?

??? The only possible way to answer this question with authority is a
painstaking reading of that specific banks account and clearing rules.

But on first blush, it sounds like nonsense.

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== 3 of 10 ==
Date: Thurs, Dec 11 2008 8:29 am
From: The Real Bev

max wrote:

> ??? The only possible way to answer this question with authority is a
> painstaking reading of that specific banks account and clearing rules.
>
> But on first blush, it sounds like nonsense.

I was once told that the bank puts a hold on the amount of the new
deposit until it clears or their policy takes it off, whichever comes
first. Accordingly, since he didn't already have $150 in the account,
they held as much of it as they could.

People with only small amounts of money in their checking accounts get
hosed badly, probably because they're deemed to be easier to fleece. In
most cases, a correct assumption.

--
Cheers, Bev
==============================
All bleeding eventually stops.

== 4 of 10 ==
Date: Thurs, Dec 11 2008 9:49 am
From: Jerry Trumball

max wrote:
..
>>>
>>> It might be worth it to _remove_ overdraft protection from the account.
>>> Note that debit card transactions can generate overdrafts too; even
>>> those made from an ATM.
>>>
>>> Here <http://consumerist.com/search/overdraft/> is a great deal of
>>> information about overdrafts. Consumerist does not like overdraft
>>> protection. Read the links to understand why.
>>>

>>>
>> I don't see anything at the cosumerist link that says overdraft
>> protection is bad. What's wrong with it?
>
> read the material.
>

Naturally I read the material. Did you?

All I found was this:

"An insider tells us the US Bank will let customer opt-out of courtesy
overdraft protection. This would mean that if you bounce a charge, you
just get charged an NSF fee instead of your account going negative,
incurring additional fees, and increasing the likelihood of more checks
and charges bouncing. Other banks may offer this already, call to find out."

That sounds like the overdraft protection I have. Instead of letting my
account go negative, they move some money and charge me fifty cents.

== 5 of 10 ==
Date: Thurs, Dec 11 2008 10:00 am
From: Jerry Trumball

The Real Bev wrote:
> max wrote:
>
>> ??? The only possible way to answer this question with authority is
>> a painstaking reading of that specific banks account and clearing rules.
>>
>> But on first blush, it sounds like nonsense.
>
> I was once told that the bank puts a hold on the amount of the new
> deposit until it clears or their policy takes it off, whichever comes
> first. Accordingly, since he didn't already have $150 in the account,
> they held as much of it as they could.
>
> People with only small amounts of money in their checking accounts get
> hosed badly, probably because they're deemed to be easier to fleece. In
> most cases, a correct assumption.
>
I have heard about putting money on hold for matter of days if you buy
gasoline, for example, with a debit card. I don't see any point except
to rob customers with overdraft charges.

Suppose my nephew deposited a paycheck that bounced because the company
was insolvent. Besides losing the value of the check, would the
depositor have to pay the bank a fee? At all banks?

So maybe it's bank policy to charge a depositor $50 if a deposited check
bounces, and maybe they put that $50 on hold for a week even if the
check clears in six hours. There's nothing about that on their website,
but I guess crooks don't warn their intended victims.

== 6 of 10 ==
Date: Thurs, Dec 11 2008 11:42 am
From: Jim Prescott

In article <betatron-8C6F57.20500710122008@news.ftupet.com>,
max <betatron@gmail.com> wrote:
>It might be worth it to _remove_ overdraft protection from the account.

Or at least understand how it works. At my credit union they will
attempt to satisfy an overdraft by taking funds from your savings
account. If you have established a line of credit they go to that
first, then savings. There are no fees other than daily interest on
the LOC.

This credit union also makes the funds from check deposits immediately
available.

There are good places to do banking. It is worth finding one.
--
Jim Prescott - Computing and Networking Group jgp@seas.rochester.edu
School of Engineering and Applied Sciences, University of Rochester, NY

== 7 of 10 ==
Date: Thurs, Dec 11 2008 11:56 am
From: max

In article <Xhc0l.6523$dc4.3798@bignews2.bellsouth.net>,
Jerry Trumball <Jer@privacy.com> wrote:

> max wrote:
> ..
> >>>
> >>> It might be worth it to _remove_ overdraft protection from the account.
> >>> Note that debit card transactions can generate overdrafts too; even
> >>> those made from an ATM.
> >>>
> >>> Here <http://consumerist.com/search/overdraft/> is a great deal of
> >>> information about overdrafts. Consumerist does not like overdraft
> >>> protection. Read the links to understand why.
> >>>
>
> >>>
> >> I don't see anything at the cosumerist link that says overdraft
> >> protection is bad. What's wrong with it?
> >
> > read the material.
> >
>
> Naturally I read the material. Did you?
>
> All I found was this:
>
> "An insider tells us the US Bank will let customer opt-out of courtesy
> overdraft protection. This would mean that if you bounce a charge, you
> just get charged an NSF fee instead of your account going negative,
> incurring additional fees, and increasing the likelihood of more checks
> and charges bouncing. Other banks may offer this already, call to find out."

READ THE MATERIAL. HERE ARE SUMMARIES OF THE FIRST 10.

There are 127 articles in the search i did for you:

Show: ALL Today Last Week Last Month
Sort: RELEVANCE Date Popularity
Results 1-10 of 127 for "overdraft" (0.021 second)

Banks Earned $19 Billion From Overdraft Fees This Year
Overdrafting makes the Consumerist very sad, and banks very happy.
12:56 PM on Thu Oct 11 2007, by Meg Marco, 9,569 views, 52 comments

New Bill Would Require Banks To Warn You If Your ATM Or Debit
Transaction Will Result In An Overdraft Fee
If you perform an ATM or debit card transaction that results in your
account being overdrafted, many banks will now simply authorize the
transaction and slap you with an overdraft fee. A new bill, HR946, would
"require banks to give consumers a...
12:56 PM on Mon Oct 1 2007, by Chris Walters, 2,904 views, 79 comments

US Bank To Let You Opt-Out Of Courtesy Overdraft Protection
An insider tells us the US Bank will let customer opt-out of courtesy
overdraft protection. This would mean that if you bounce a charge, you
just get charged an NSF fee instead of your account going negative,
incurring additional fees, and...
11:22 AM on Fri Oct 12 2007, by Ben Popken, 2,879 views, 18 comments

"Courtesy Overdraft Fees" Are Bad For Consumers
Bankrate has an extensive article on "courtesy overdraft" services tied
to debit cards. These services prevent your debit card transactions from
being denied, but have the unpleasant effect of charging you anywhere
from $20-$35 for this "courtesy."
9:50 PM on Thu Dec 20 2007, by Meg Marco, 3,896 views, 40 comments

Banks Cash Big Checks First, Maximizing Overdrafts
USATODAY research indicates banks typically process checks in order of
highest balance, maximizing overdraft fees charged to the customer,
critics contend.
2:37 PM on Wed Nov 22 2006, by Ben Popken, 1,197 views, 11 comments

Kid Get $120 In Wells Fargo Overdrafts Refunded After Rich Dad Calls VP
DM reports that he was able to get Wells Fargo to reverse all his
overdrafts... because his dad has a big Wells Fargo account and was able
to call up some company Vice President. Ahem. Three cheers for the power
of escalating issues outside of the...
5:23 PM on Wed Sep 26 2007, by Ben Popken, 5,571 views, 34 comments

Stop Overdrafting!
Our tip box is organized by complaint category. In the "banks" section,
email after email starts roughly the same way, "I overdrafted my account
and then a series of horrible events ensued."
1:06 PM on Tue Jun 19 2007, by Ben Popken, 1,743 views, 28 comments

Would You Like To "Opt-In" To Your Bank's Overdraft Fees? Tell The
Federal Reserve!
The Federal Reserve has proposed some new regulations that would, among
other things, require banks to let you opt-out of the "overdraft
protection" services that often result in consumers being charged large
fees for buying one too many (or 6 too...
10:30 AM on Thu Jun 26 2008, by Meg Marco, 6,971 views, 93 comments

FDIC Criticizes Banks' Overdraft Fees
It took 18 months for the FDIC to figure out that banks' practice of
clearing checks largest to smallest makes banks a lot of money.
9:04 PM on Wed Dec 3 2008, by Ben Popken, 14,670 views, 115 comments

National City Bank Loves Inexplicable Overdraft Fees
Let's play a game. Can you spot the problem below?
1:00 PM on Fri Sep 29 2006, by Ben Popken, 7,066 views, 84 comments

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== 8 of 10 ==
Date: Thurs, Dec 11 2008 12:16 pm
From: Jerry Trumball

JR Weiss wrote:
> "Jerry Trumball" <Jer@privacy.com> wrote
>> My nephew had $80 in his checking account.
>> He deposited another $150.
>>
>> Then he wrote checks totaling $60.
>> He got overdraft notices for those checks.
>>
>> He didn't understand. Neither did his mother. She went to the bank with him.
>> The teller said they'd let it go this time, but next time he would have to pay
>> because it's bank policy. He and his mother still don't understand.
>>
>> What's the bank doing?
>
> Where is the bank? Where are the banks on which the deposited checks were
> written?
>
> What was the time frame for his check writing?
>
> What is the bank's written policy regarding availability of funds?
>
>
I got a copy of the letter his mother wrote to the bank. My figures
were wrong, but the principle is the same.

He had $60 in his account.
He deposited $300.
He made several purchases totaling $45.
He was charged $150 in overdraft fees.
The bank refunded those fees as a one-time courtesy.

Before writing to the bank, she checked their literature. The only
mention of overdraft fees is for returned checks. There was no returned
check.

I can imagine what happened. I'll bet he used a debit card. At one
time, a debit card would be refused for insufficient funds. The banking
industry quietly switched over, approving such purchases in order to
charge hefty overcharge fees.

Still, how did he overcharge by spending $45 from an account with $360?
Banks cheat you by keeping a deposit on hold even after the check
clears. Still, there was $60. But if he bought $1 worth of gasoline,
they may have put $100 on hold for 48 hours or so, resulting in an
overdraft charge for every purchase made in that period. I wonder of
money is put on hold for purchases besides gasoline.

Crooks. Is it the same bunch who got $700 billion for bringing down
Wall Street?

== 9 of 10 ==
Date: Thurs, Dec 11 2008 1:59 pm
From: clams_casino

Jerry Trumball wrote:

> JR Weiss wrote:
>
>> "Jerry Trumball" <Jer@privacy.com> wrote
>>
>>> My nephew had $80 in his checking account.
>>> He deposited another $150.
>>>
>>> Then he wrote checks totaling $60.
>>> He got overdraft notices for those checks.
>>>
>>> He didn't understand. Neither did his mother. She went to the bank
>>> with him. The teller said they'd let it go this time, but next time
>>> he would have to pay because it's bank policy. He and his mother
>>> still don't understand.
>>>
>>> What's the bank doing?
>>
>>
>> Where is the bank? Where are the banks on which the deposited checks
>> were written?
>>
>> What was the time frame for his check writing?
>>
>> What is the bank's written policy regarding availability of funds?
>>
>>
> I got a copy of the letter his mother wrote to the bank. My figures
> were wrong, but the principle is the same.
>
> He had $60 in his account.
> He deposited $300.
> He made several purchases totaling $45.
> He was charged $150 in overdraft fees.
> The bank refunded those fees as a one-time courtesy.
>
> Before writing to the bank, she checked their literature. The only
> mention of overdraft fees is for returned checks. There was no
> returned check.
>
> I can imagine what happened. I'll bet he used a debit card. At one
> time, a debit card would be refused for insufficient funds. The
> banking industry quietly switched over, approving such purchases in
> order to charge hefty overcharge fees.
>
> Still, how did he overcharge by spending $45 from an account with
> $360? Banks cheat you by keeping a deposit on hold even after the
> check clears. Still, there was $60. But if he bought $1 worth of
> gasoline, they may have put $100 on hold for 48 hours or so, resulting
> in an overdraft charge for every purchase made in that period. I
> wonder of money is put on hold for purchases besides gasoline.
>
> Crooks. Is it the same bunch who got $700 billion for bringing down
> Wall Street?

You never stated when the $60 was deposited - how many days before the
debit card charges were made, including non business days. Example - A
deposit at 5pm on Friday might be available as soon as the following
Wednesday, but may not be available until the following Monday or
Tuesday (if either Monday is a legal holiday) or longer.

== 10 of 10 ==
Date: Thurs, Dec 11 2008 3:57 pm
From: The Real Bev

Jerry Trumball wrote:
> The Real Bev wrote:
>> max wrote:
>>
>>> ??? The only possible way to answer this question with authority is
>>> a painstaking reading of that specific banks account and clearing rules.
>>>
>>> But on first blush, it sounds like nonsense.
>> I was once told that the bank puts a hold on the amount of the new
>> deposit until it clears or their policy takes it off, whichever comes
>> first. Accordingly, since he didn't already have $150 in the account,
>> they held as much of it as they could.
>>
>> People with only small amounts of money in their checking accounts get
>> hosed badly, probably because they're deemed to be easier to fleece. In
>> most cases, a correct assumption.
>>
> I have heard about putting money on hold for matter of days if you buy
> gasoline, for example, with a debit card. I don't see any point except
> to rob customers with overdraft charges.

The float, while insignificant on an individual basis, adds up to big
bucks when taken over the entire customer base. They may even lose
monty with negative rates now, but I find that difficult to believel

> Suppose my nephew deposited a paycheck that bounced because the company
> was insolvent. Besides losing the value of the check, would the
> depositor have to pay the bank a fee? At all banks?

Yes. Yes. He'd have to pay a fee and if he wrote a check based on that
amount, the casher of that check would have to pay a fee. It's what,
$25 now? No longer chickenfeed.

> So maybe it's bank policy to charge a depositor $50 if a deposited check
> bounces, and maybe they put that $50 on hold for a week even if the
> check clears in six hours. There's nothing about that on their website,
> but I guess crooks don't warn their intended victims.

Hey, nobody reads the small light-grey print anyway.

--
Cheers, Bev
==============================
All bleeding eventually stops.

==============================================================================
TOPIC: Buy cheap mens women's air max 90 shoes sneakers at low price
http://groups.google.com/group/misc.consumers.frugal-living/t/883c97427c8da465?hl=en
==============================================================================

== 1 of 1 ==
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==============================================================================
TOPIC: Is keeping a car 50 years frugal?
http://groups.google.com/group/misc.consumers.frugal-living/t/973c7ade053ebb0f?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 11 2008 5:33 am
From: clams_casino

Zuke wrote:

> Have you seen the price of a '57 Chevy lately?
>
>
My first car was a 1962 Plymouth Sport Fury convertible. Saw one for
sale recently at $44k.

==============================================================================
TOPIC: Small space living
http://groups.google.com/group/misc.consumers.frugal-living/t/6a4f14c72ab59aee?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 11 2008 6:42 am
From: trm

Living frugal dosen't mean giving up on comfort or style. Small space
living can be confining, but you can make it more comfortable.
Doubling up space as living and bedroom area is one option.
Convertable sofas are a solution but they can be bulky and space
hoggers. Something alog the same lines is a Futon - more stream lined
and effecient, not to mention much cheaper, dismantels for easy
relocation and you can change your colors or decorating style just by
changing the top cover of the Futon mattress. There are a lot of
advantages to owning a Futon especially for a new family or a college
dorm room or a small attic room or hard to reach room in your home. I
recomend Night and Day Futons as they have a very unique conversion
system for easy converting of a seating Futon to a sleeping position.
One other option is using an Airbed. Store it till you use it...They
colapse it a small package that can be put in a closet. The leading
brand names for airbeds are Intex Airbeds and Aerobeds. Both companies
have come a long way in manufacturing high quality indoor and outdoor
(camping) airbeds that are very comfortable.
For more information and to check out great prices on both Futons and
Airbeds got to http://www.BedsForToday.com

==============================================================================
TOPIC: Wealth Management is the key
http://groups.google.com/group/misc.consumers.frugal-living/t/ee0a5003b9b3e613?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Dec 11 2008 7:10 am
From: Cheapo Groovo

Real Diversification
http://revver.com/video/1356828/real-diversification/

== 2 of 2 ==
Date: Thurs, Dec 11 2008 10:56 am
From: "Rod Speed"

Not if you dont have any to manage.

Cheapo Groovo <ccsj@nospam.com> wrote:

> Real Diversification
> http://revver.com/video/1356828/real-diversification/

==============================================================================
TOPIC: when Christmas sales [stores/online]?
http://groups.google.com/group/misc.consumers.frugal-living/t/29cec5c1c42b0fca?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 11 2008 11:02 am
From: MarkPHd21@gmail.com

happy holidays all,

when exactly are the Xmas sales [if any]?
after Xmas? around New Years?

i'm looking for
something similar to a Thanksgiving Black Friday

thanks
marc

==============================================================================
TOPIC: My Gift to You.
http://groups.google.com/group/misc.consumers.frugal-living/t/67e005b5f1cf01a8?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 11 2008 11:55 am
From: "'nam vet."

"Your Life is in your hands. No matter where you are now, You can begin
to consciously choose your thoughts and you can change your life."

visit "The Secret" www.thesecret.tv

IMHO
--
When the Power of Love,replaces the Love of Power.
that's Evolution.

==============================================================================
TOPIC: 'Change' Idea - Enforce Our Immigration Laws ( Frosty Wooldridge )
http://groups.google.com/group/misc.consumers.frugal-living/t/1822e63104a96f00?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Dec 11 2008 3:02 pm
From: hpope@lycos.com

On Dec 11, 2:32 pm, jazzerci...@hotmail.com (-) wrote:
> http://www.rense.com/general84/imm.htm
>
> 'Change' Idea - Enforce Our Immigration Laws
> By Frosty Wooldridge
> 12-9-8
>
> Never in the history of the world has one country, the United States of
> America, absorbed so many immigrants from around the world-into the tens of
> millions. However, no other country ever tolerated or survived over 20 million
> ILLegal alien migrants like the U.S. in the past 20 years. Finally, U.S.
> citizens find their country filled up, out of water, lacking energy and
> suffering unsolvable problems.
>
> You may discover a website that encourages what Americans want to see changed
> in the Obama administration. They speak up from all over the country and so
> can you:http://www.change.org/ideas/view/enforce_our_immigration_laws
>
> "Never in the history of mankind has a massive horde of 25 million plus
> foreigners, illegally no less, marched into a nation demanding rights which by
> all common sense should not be afforded to them? This is sheer madness!
> Amnesty? Go back and come in the legal way like others have done, better yet,
> don't come back at all." Paul D.
>
> "As the mother of four, whose father, grandfather and great-grandfather all
> fought overseas to defend freedom and the American way, I am insulted and
> offended by all those who would seek to give amnesty to illegal immigrants.
> They are causing bona fide Americans to lose their businesses because honest
> business people can't compete with dishonest ones. I find it incredible that
> anybody could support illegal immigration, given the widespread damage that it
> is doing to our country. What did our ancestors fight and die for, if not
> freedom and justice under law? The waves of illegals are causing us to be less
> free, and causing less justice to characterize our land. Illegals are wiping
> out opportunities left and right, especially for low-income Caucasian and
> African-American citizens. Please, think of our children and our ancestors,
> and uphold our laws and our existing American families, by deporting all
> illegals NOW!" Susan W.
>
> "Country first and foremost! Stop pandering to the illegal alien by agreeing
> with them that the ICE raids must stop. ICE must keep doing their job and they
> need to deport all illegal aliens who are working here illegally and breaking
> other laws in America. The vast majority of voters want our immigration laws
> enforced and our borders secured. You may also be smart to get ready for the
> coming drug wars by the Mexican drug cartels. They will be fighting for turf
> in our communities the same way they are in Mexico, and that fight has taken
> over 4 thousand lives, it is a real threat and amnesty will only make it
> worse. No path to citizenship, enforce our laws and let the illegal alien go
> home." Joan T.
>
> "The majority of American citizens want our immigration laws enforced. They
> want NO AMNESTY. They feel illegals do not deserve the benefits they receive.
> The problem is the majority of Americans are not being heard because of a
> biased media. We have been invaded by another country, but the government is
> doing nothing to stop it...I call it treason." Lois D.
>
> "79,000,000 ID thefts; 30,000 deaths and over 1 million sexual assaults of
> Americans at the hands of illegal aliens; 27% of all prisoners in federal
> custody are illegal aliens; 63% of those are Mexican citizens; $6.8 billion
> for all incarceration costs; 5.1 million ESL students are children of illegal
> aliens which cost taxpayers $34.5 billion/yr. = almost a trillion in tax
> dollars stolen from Americans for services provided to illegal aliens. Polls,
> which include legal Latinos, overwhelmingly prove Americans want our borders
> sealed and illegal aliens deported." Kathleen A.
>
> "Please get the border secured; nothing can be controlled until we SECURE THE
> BORDER! Please have people who are strong on illegal immigration on our
> Homeland Security Force. No special favors for any illegal immigrants. Do not
> stop ICE raids. This needs to happen in order to enforce our laws. It may be
> inconvenient for the business owners who get raided but they are breaking the
> law! When you create all those new jobs as promised, please make sure illegals
> are not taking these jobs! Illegal immigration is a major reason our economy
> is in the freefall it's in........Thank You," Julie R.
>
> "ENFORCE OUR IMMIGRATION LAWS! Secure the borders! Not only do we have an
> overpopulation crisis but America is in a financial recession. We do not have
> enough resources period! Illegal Immigration has put California into a deficit
> now our aged, disabled and poor pay the price. Besides criminal aliens
> terrorists cross our porous borders. Send the National Guard back to the
> border and quit hamstringing the U.S. Border Agents let them do their jobs.
>
> Much of Americas woes start at the border." Ms. B.
>
> "Why is it that we have laws regarding immigration and they are NOT enforced?
> On a regular basis, the employers who are caught employing illegal aliens are
> NOT PUNISHED. The CHURCHES who HARBOR illegal aliens are NOT PUNISHED. Illegal
> aliens get free health care in our hospitals and put those hospitals out of
> business. Illegal aliens get MANY taxpayer funded social services. Illegal
> aliens have helped to bankrupt this country while enriching the economies of
> their home country." Mr. I. P.
>
> "No American worker who wishes to resume his prior position which has been
> usurped by an illegal shall be denied to return to that position at his former
> rate of pay. Americans should NEVER have to stand in line behind an illegal
> for work, nor should their wages and benefits be all but destroyed by the
> greed of employers. If you cannot pay a living wage, you do not have a
> business. Please get our American workers off the sidelines and back into
> gainful employment. Please STOP the disparity of illegals working off the
> books and with illegal documentation. Their contributions may be to the bank
> accounts of business owners, but they come at a huge cost to American workers
> and are further polarizing the concentration of wealth in this nation.
>
> No amnesty that ever affords a path to citizenship is acceptable to Americans.
> Citizenship is not for sale for the price of back taxes and fines. Otherwise,
> why should any applicant stand in line and wait their turns to enter? We were
> promised this would never happen again with the 1986 amnesty. We expect the
> government to keep that promise to the American people." Michelle M.
>
> "We must stop ALL immigration right now! If we don't we are going to become a
> third world country, REAL FAST. These illegal Mexicans have got to go home.
> We can't continue to let them run wild and free in OUR country. If they don't
> want to leave peacefully, use ball bats and pitchforks. I'm tired of these
> parasitic foreigners sucking the life blood out of my country. Just look at
> what the illegal Mexicans have done to once mighty California. As Ca. goes,
> so goes the nation!" Jim H.
>
> ##
>
> Disclaimer
>
> MainPagehttp://www.rense.com
>
> This Site Served by TheHostPros

The government is a proven ass-wipe operation that deserves only
contempt.

mitch

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misc.consumers.frugal-living - 10 new messages in 3 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:

* overdraft - 6 messages, 4 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/338ed10d1ea2929c?hl=en
* Is keeping a car 50 years frugal? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/973c7ade053ebb0f?hl=en
* storing spices - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/efd68d1cb4d477b1?hl=en

== 1 of 6 ==
Date: Wed, Dec 10 2008 8:24 pm
From: clams_casino

Jerry Trumball wrote:

> My nephew had $80 in his checking account.
> He deposited another $150.
>
> Then he wrote checks totaling $60.
> He got overdraft notices for those checks.
>
> He didn't understand. Neither did his mother. She went to the bank
> with him. The teller said they'd let it go this time, but next time
> he would have to pay because it's bank policy. He and his mother
> still don't understand.
>
> What's the bank doing?

Assuming he didn't deposit cash, just because he made a deposit doesn't
mean the funds have cleared for withdrawal. Consider the case where a
deposit is made on Friday evening. It'll be Monday morning before that
deposit is even processed, assuming Monday is not a legal holiday (next
business day). Then, it will likely take several days (up to a week,
but typically 3-4 days) for the checks to clear the source banks before
the funds are available for withdrawal.

== 2 of 6 ==
Date: Wed, Dec 10 2008 9:03 pm
From: "JR Weiss"

"Jerry Trumball" <Jer@privacy.com> wrote in message
news:Ni_%k.6438$nD1.6219@bignews5.bellsouth.net...
> My nephew had $80 in his checking account.
> He deposited another $150.
>
> Then he wrote checks totaling $60.
> He got overdraft notices for those checks.
>
> He didn't understand. Neither did his mother. She went to the bank with him.
> The teller said they'd let it go this time, but next time he would have to pay
> because it's bank policy. He and his mother still don't understand.
>
> What's the bank doing?

== 3 of 6 ==
Date: Wed, Dec 10 2008 9:05 pm
From: "JR Weiss"

"Jerry Trumball" <Jer@privacy.com> wrote
> My nephew had $80 in his checking account.
> He deposited another $150.
>
> Then he wrote checks totaling $60.
> He got overdraft notices for those checks.
>
> He didn't understand. Neither did his mother. She went to the bank with him.
> The teller said they'd let it go this time, but next time he would have to pay
> because it's bank policy. He and his mother still don't understand.
>
> What's the bank doing?

Where is the bank? Where are the banks on which the deposited checks were
written?

What was the time frame for his check writing?

What is the bank's written policy regarding availability of funds?

== 4 of 6 ==
Date: Wed, Dec 10 2008 9:20 pm
From: Zuke

On Wed, 10 Dec 2008, Jerry Trumball wrote:

> My nephew had $80 in his checking account.
> He deposited another $150.
>
> Then he wrote checks totaling $60.
> He got overdraft notices for those checks.
>
> He didn't understand. Neither did his mother. She went to the bank with
> him. The teller said they'd let it go this time, but next time he would have
> to pay because it's bank policy. He and his mother still don't understand.
>
> What's the bank doing?
>

Ripping you off. It's a billion dollar business. Other posters are
correct about when a check clears but in this day and age, these
things could be done a lot quicker. I bet it doesn't take two or
three days for the bank's funds to be turning around.

Their favorite move is to pay off large amounts first and then hit
you with multiple overdrafts on any smaller amounts. This is why they
are happy to reverse the charges when you complain, figuring about
95% of people are not going to complain.

But you shouldn't be asking that question here. We are frugal and
do not have overdrafts.

== 5 of 6 ==
Date: Wed, Dec 10 2008 10:07 pm
From: Jerry Trumball

max wrote:
> In article <john-FFA973.20090110122008@news-1.octanews.net>,
> "John A. Weeks III" <john@johnweeks.com> wrote:
>
>> In article <Ni_%k.6438$nD1.6219@bignews5.bellsouth.net>,
>> Jerry Trumball <Jer@privacy.com> wrote:
>>
>>> My nephew had $80 in his checking account.
>>> He deposited another $150.
>>>
>>> Then he wrote checks totaling $60.
>>> He got overdraft notices for those checks.
>>>
>>> He didn't understand. Neither did his mother. She went to the bank
>>> with him. The teller said they'd let it go this time, but next time he
>>> would have to pay because it's bank policy. He and his mother still
>>> don't understand.
>>>
>>> What's the bank doing?
>> Was the $80 marked as "available funds"? You see, once you put
>> a check in, it takes a while for it to get through the banking
>> system, back to the bank where it was written, and confirmed that
>> it is indeed a good check. If he put the $80 in as a check, then
>> the next day wrote a $60 check, it very well could bounce.
>>
>> BOth your nephew and his mum need to ask about the available
>> balance, not the gross balance.
>>
>> -john-
>
> in addition to the above excellent advice...
>
> It might be worth it to _remove_ overdraft protection from the account.
> Note that debit card transactions can generate overdrafts too; even
> those made from an ATM.
>
> Here <http://consumerist.com/search/overdraft/> is a great deal of
> information about overdrafts. Consumerist does not like overdraft
> protection. Read the links to understand why.
>
> Your nephew is lucky to have learned the lesson so cheaply; it could
> have cost him hundreds of dollars!
>
> .max
>
I don't see anything at the cosumerist link that says overdraft
protection is bad. What's wrong with it?

== 6 of 6 ==
Date: Wed, Dec 10 2008 10:09 pm
From: Jerry Trumball

John A. Weeks III wrote:
> In article <Ni_%k.6438$nD1.6219@bignews5.bellsouth.net>,
> Jerry Trumball <Jer@privacy.com> wrote:
>
>> My nephew had $80 in his checking account.
>> He deposited another $150.
>>
>> Then he wrote checks totaling $60.
>> He got overdraft notices for those checks.
>>
>> He didn't understand. Neither did his mother. She went to the bank
>> with him. The teller said they'd let it go this time, but next time he
>> would have to pay because it's bank policy. He and his mother still
>> don't understand.
>>
>> What's the bank doing?
>
> Was the $80 marked as "available funds"? You see, once you put
> a check in, it takes a while for it to get through the banking
> system, back to the bank where it was written, and confirmed that
> it is indeed a good check. If he put the $80 in as a check, then
> the next day wrote a $60 check, it very well could bounce.
>
> BOth your nephew and his mum need to ask about the available
> balance, not the gross balance.
>
> -john-
>
They understood the teller to say that there would have been no
overdraft if he had not made the $150 deposit. Apparently the $80 was
available before he deposited more money. Why wouldn't it cover $60 in
checks?

== 1 of 1 ==
Date: Wed, Dec 10 2008 9:11 pm
From: Zuke

Have you seen the price of a '57 Chevy lately?

On Tue, 9 Dec 2008, Roger Shoaf wrote:

>
> "The Real Bev" <bashley101+M@gmail.com> wrote in message
> news:ghjj8e$p23$1@news.motzarella.org...
>>
>> Something essential that can't be replaced breaks. Case in point: leaf
>> springs for a 1960 Ford station wagon. The ones in the wrecking yard
>> are just as rotten as the ones you have and you can't find any new ones
>> no matter how hard you look.
>>
>
> If I needed leaf springs for a 60 Ford, I would go to a spring shop and have
> them make me a set. These would be brand new, and if for some reason the
> factory design was deficient for some reason, they could remedy that also.
>
> You can also get drive shafts built from scratch and have starters,
> alternators and carburetors overhauled.
>
> --
>
> Roger Shoaf
>
> About the time I had mastered getting the toothpaste back in the tube, then
> they come up with this striped stuff.
>
>
>

== 1 of 3 ==
Date: Wed, Dec 10 2008 9:12 pm
From: Jack Ricci

I buy very good quality spices from a small ethnic grocery store. The
spices come in small pouches made of cellophane that fall apart when you
open them. I would like to store them in small containers that I could
reseal and that would keep the spices' flavor until needed. I realize
that spices get stale quite fast, but still I would like to keep them
for a reasonable period of time.

Any suggestions? Thank you.

== 2 of 3 ==
Date: Wed, Dec 10 2008 9:37 pm
From: Joe Negron

On 2008-12-11, Jack Ricci <jritch53@hotmail.com> wrote:
>I buy very good quality spices from a small ethnic grocery store. The
>spices come in small pouches made of cellophane that fall apart when you
>open them. I would like to store them in small containers that I could
>reseal and that would keep the spices' flavor until needed. I realize
>that spices get stale quite fast, but still I would like to keep them
>for a reasonable period of time.
>
>Any suggestions? Thank you.

We save glass jars (jam, mayonnaise, peanut butter, etc.), particularly
those with metal tops, for food storage; they come in various sizes and
after a while we had all we could need.

--
------------------------------------------------------------------------
Our hope of immortality does not come from any religions, but nearly all
religions come from that hope.
--Robert Green Ingersoll

War is good for business - invest your son.
--antiwar bumper sticker from the 1960s
------------------------------------------------------------------------
Joe Negron from Bensonhurst, Brooklyn, NY, USA

== 3 of 3 ==
Date: Wed, Dec 10 2008 10:24 pm
From: Goomba

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Thursday, December 11, 2008

misc.consumers.frugal-living - 25 new messages in 12 topics - digest

misc.consumers.frugal-living - 10 new messages in 3 topics - digest