Frugal Living: misc.consumers.frugal-living - 17 new messages in 8 topics

Friday, October 23, 2009

misc.consumers.frugal-living - 17 new messages in 8 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

* "Latest bank fee is for paying off credit card on time every month" - 6
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* Kroger - strategy for getting marked down meat - 4 messages, 3 authors
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* CallingMart Temporary Coupon Codes (expire 10-23) for T-Mobile Prepaid (10%),
AT&T GoPhone (10%), Tracfone (7%), Verizon InPulse (7%), and PagePlus (7%) -
2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/86bcc24bd96cd169?hl=en

==============================================================================
TOPIC: "Latest bank fee is for paying off credit card on time every month"
http://groups.google.com/group/misc.consumers.frugal-living/t/7d63fbdf9497a92a?hl=en
==============================================================================

== 1 of 6 ==
Date: Thurs, Oct 22 2009 10:37 am
From: tmclone

On Oct 22, 8:38 am, SMS <scharf.ste...@geemail.com> wrote:

> The real reason many small merchants prefer cash is because there can be
> no record of it so they can not declare it as income.

Agreed. Cash is only good if you're a tax cheat. I'm 100% internet, so
I have neither the ability nor the desire to defraud the gubmint.
EVERY single sale is a credit card (ok, the occasional luddite mails
in a form along with a money order payable to my company name) so I
don't have to worry about anything at tax time, it's all right there
in the bank statement.

== 2 of 6 ==
Date: Thurs, Oct 22 2009 11:15 am
From: "Rod Speed"

George wrote:
> Rod Speed wrote:
>> George wrote:
>>> Rod Speed wrote:
>>>> George wrote:
>>>>> SMS wrote:
>>>>>> The Real Bev wrote:
>>>>>>> aesthete8 wrote:
>>>>>> <snip>
>>>>>>
>>>>>>>> http://www.usatoday.com/money/perfi/columnist/block/2009-10-19-bank-of-america-card-fee_N.htm?se=yahoorefer
>>>>>>>>
>>>>>>> Good luck with that.
>>>>>> If I ran a credit card company then I certainly wouldn't be happy
>>>>>> with you or me as a customer. Never pay interest, never pay late
>>>>>> fees, charge everything, but get more back in cash back then the
>>>>>> credit card company collects in merchant fees.
>>>>>>
>>>>>> How long can they continue these rewards cards? Countrywide had a
>>>>>> 2% cash back Visa that they dropped after they got sold to BOA.
>>>>>> One card I have offers a $500 airline ticket on any airline for
>>>>>> $25,000 in charges, essentially 2% if you use the full value, but they no
>>>>>> longer offer the card (though they haven't dropped existing
>>>>>> card-holders). Now Schwab has a 2% cash back Visa, which has the
>>>>>> additional benefit of not charging any foreign transaction
>>>>>> fee--they even absorb the 1% that Visa charges. The Costco
>>>>>> Business Amex gives 4% back on gasoline, much more than Amex
>>>>>> charges most gas stations. Basically the people subsidizing the
>>>>>> credit card system are a) those people that carry a balance, and
>>>>>> b) the people using cash, checks, debit cards, and non-rewards credit cards. While it's
>>>>>> great that they're willing to do this, how long is this
>>>>>> boondoggle going to last?
>>>>> Since the mega banks own all of the politicians
>>>> Just another of your silly little fantasys.
>>>>
>>>>> I can't imagine any changes being made.
>>>> They just were. Nice theory, pity about the real world.
>>>>
>>>>> The ultimate goal is for cash to go away with
>>>>> banks firmly inserted into every single transaction.
>>>> Doesnt matter what their ultimate goal is, it aint gunna happen.
>>>>
>>>>> It will go away when that happens
>>>> Nope, because that aint gunna happen.
>>>>
>>>>> because they won't need to do it.
>>>>> I always thought if someone wants rewards they should pay for them
>>>>> themselves.
>>>> You have always been, and always will be, completely and utterly
>>>> irrelevant. What you claim to have always thought in spades.
>>
>>> Did I hurt your poor little feelings that much?
>>
>> Never ever could bullshit its way out of a wet paper bag.

> Do you ever tire of making yourself look so silly with your set of robotic responses?

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

== 3 of 6 ==
Date: Thurs, Oct 22 2009 11:19 am
From: "holarchy"

SMS wrote:
> tmclone wrote:
>> On Oct 22, 12:05 am, phil scott <p...@philscott.net> wrote:
>
>>> I get no bills in the mail that way, and am not temped to use the
>>> cards and run up
>>> balances ... I also dont expose myself to the wide range of banking
>>> tricks and hose jobs. I have
>>> zero exposure to all of that... it feels a lot better than I thought
>>> ti would.
>>>
>> Shrug. I get no bills iin the mail either. I charge EVERYTHING on my
>> credit card, pay the balance in full every month automatically
>> online, and I get $750 a year in cash back from the card issuer. I
>> bet I feel a LOT better about my free $750 than you do using cash.
>> Obviously the prospect of being robbed hasn't scared the stupid out
>> of you.
>
> It's not just that people like Phil subsidize the cash back that
> others get, they also are losing valuable protections that the use of
> a credit card (but not a debit card) offers.

That last is a lie.

> Plus paying for money orders is pretty ridiculous.

Indeed.

> And how does he rent a car, reserve a hotel, buy airline tickets, or buy anything on-line?

He already said he uses a safeway cash card for online purchases.

== 4 of 6 ==
Date: Thurs, Oct 22 2009 11:27 am
From: tmclone

On Oct 22, 2:19 pm, "holarchy" <holar...@nospam.com> wrote:

>
> > And how does he rent a car, reserve a hotel, buy airline tickets, or buy anything on-line?
>
> He already said he uses a safeway cash card for online purchases.- Hide quoted text -
>

I seriously doubt you can use a "safeway cash card", whatever that is,
to rent a car, reserve a hotel, or buy airline tickets. And as for
buying things online, I sure as hell wouldn't accept that as payment
and most other online companies probably don't either. And not having
a checking account? If you insist on ONLY using cash you are paying
WAY more for everything than you should to say nothing of the time
involved in going to the bank or the post office every time you need a
money order. Insane.

== 5 of 6 ==
Date: Thurs, Oct 22 2009 12:51 pm
From: "holarchy"

tmclone wrote:
> On Oct 22, 2:19 pm, "holarchy" <holar...@nospam.com> wrote:
>
>>
>>> And how does he rent a car, reserve a hotel, buy airline tickets,
>>> or buy anything on-line?
>>
>> He already said he uses a safeway cash card for online purchases.-
>> Hide quoted text -
>>
>
> I seriously doubt you can use a "safeway cash card", whatever
> that is, to rent a car, reserve a hotel, or buy airline tickets.

No one ever said you could.

> And as for buying things online, I sure as hell wouldn't accept that
> as payment and most other online companies probably don't either.

You're wrong on that last.

> And not having a checking account? If you insist on ONLY using cash you are paying
> WAY more for everything than you should to say nothing of the time
> involved in going to the bank or the post office every time you need a
> money order. Insane.

Sure, but that's a separate issue to what he is using for online purchases.

== 6 of 6 ==
Date: Thurs, Oct 22 2009 1:03 pm
From: tmclone

On Oct 22, 1:33 pm, tmclone <tmcl...@searchmachine.com> wrote:
> On Oct 22, 11:44 am, Vic Smith <thismailautodele...@comcast.net>
> wrote:
>
> > On Thu, 22 Oct 2009 04:09:27 -0700 (PDT), tmclone
>
> > <tmcl...@searchmachine.com> wrote:
>
> > >Shrug. I get no bills iin the mail either. I charge EVERYTHING on my
> > >credit card, pay the balance in full every month automatically online,
> > >and I get $750 a year in cash back from the card issuer. I bet I feel
> > >a LOT better about my free $750 than you do using cash. Obviously the
> > >prospect of being robbed hasn't scared the stupid out of you.
>
> > So how much do you spend each year to get that $750?
> > You do realize that a low-income person wouldn't get anywhere near
> > that, right?
>
> I AM a low-income person these days. I spend $40k a year, but about
> $22K of it is for business raw materials. The economy sucks so my
> business sales are way down, but I make all my business purchases on
> the card plus food, utilities, gas,etc. Actually I put EVERYTHING
> except my mortgage payment on the card. My small local bank offers
> great interest rates but you can only pay by check. However, my
> mortgage is very small, so the points wouldn't matter that much
> anyway.

Whoops, that should have been $32K a year for raw materials. After all
my business expenses I expect to clear about $15K this year.

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TOPIC: Kroger - strategy for getting marked down meat
http://groups.google.com/group/misc.consumers.frugal-living/t/9b8cba321dd7b503?hl=en
==============================================================================

== 1 of 4 ==
Date: Thurs, Oct 22 2009 11:37 am
From: "Rod Speed"

sr wrote:
> MR Speed: thank you for following my postings:

> Duke University scientifically introduced the Rice Diet Program, still going on today.

Pity you lied about the advantages of brown rice.

> Anytime you believe I made a false statement , please, base your statement with a proven fact.

YOU made the claim.

YOU get to do the proving.

THATS how it works.

> Statements like its a "fantasy" doesn't add anything.

Lying, again.

> An historian made it known about the "privilege" coming out worse than the poor, health wise, during the country's
> turmoil.

Just because some fool claims something, doesnt make it gospel.

> What information do you have?.

That the poor died like flys until quite recently, so that claim about
the effect of a particular war is a bare faced pig ignorant lie.

It wasnt that long ago that the poor in britain had a life expectancy of just 30 years.

So much for your stupid pig ignorant claim.

> As for today's fatties. They are eating processed foods, not whole grains .

Plenty of today's fattys eat whole grains and stay fattys.

What makes you a fatty is shovelling more calories into your mouth than you burn.

> I agree, look at the Japan. A generation ago citizens were eating grains, veg, with meat to flavor the food.

Thanks for that completely superfluous proof that you dont have
a clue about the Japanese diet today, or anything else at all either.

> (Over abundance of protein are hard on the kidneys, anyway.)

Utterly mangled all over again.

> Asians were in good shape,but, the more they become Americanized ; the more they suffer the ills of the Western
> civilization. You can see it with your own 2 eyes!

Rigorous science might just be about a bit more than that.

> You were there during the great depression?

Dont need to be to know that what you claim didnt happen then.

> Doesn't take much to upset our way of living
> Remember the Irish, how the potato famine killed them?

Wasnt the rich that got killed by the potato famine, stupid.

> We lived in the South during WWII , in the appalachian, getting food,
> as needed , wasn't that easy. I remember my father wrestling a deer
> to the ground and killing it with his hunting knife. We were desperate. We ate squirrel, groundhogs, even porcupine.
> It can happen.

Not anymore. We've got decent welfare systems
right thruout the entire first and second world now.

> Today, Plenty of germs building resistance that can wipe out any animal *or human.

Plenty more died of those before antibiotics.

> Meat may be a memory to some of us, some of us today,

Yes, there are always a few fools around.

> because it takes more of the dollars to buy the same amount of anything. I eat kidney beans. last year 3 cans for a
> dollar, went up to 47 a can, today 118.(since the woodstove is pumping, I will cook the cheaper dried version of the
> beans. cost effective cooking.

Plenty of us have enough of a clue to be able to afford meat.

That wont be changing any time soon, you watch.

> As the dollar gets weaker the price of everything will be up and away out of reach for most of us.

Wrong, as always. The cost of food produced
in the US wont change as the dollar gets weaker.

> Going to make for interesting times.

Thats a curse, stupid.

> I'm not talking about the availability of the meat, talking about the access, money wise, Mr. Speed.

Doesnt matter a damn what you mindless claim, Ms. gutless.

> Yes, Bev, I try to remember to have a grain with the beans. The Mexicans were on to something-

> "Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
> news:7ka7ruF1vbbniU1@mid.individual.net...
>> sr wrote:
>>> "The Henchman" <dontask@questions.org> wrote in message
>>> news:hbocpm$c1n$1@news.eternal-september.org...
>>>>
>>>> "The Real Bev" <bashley101@gmail.com> wrote in message
>>>> news:hbnvjv$qod$2@news.eternal-september.org...
>>>>> OhioGuy wrote:
>>>>>
>>>>>> So, I was wondering if there might be any of you out there with
>>>>>> an insight into when might be the best time to check for marked
>>>>>> down meat at the market. Thanks!
>>>>>
>>>>> Just asking the butcher didn't work?
>>>>
>>>> I've asked the butcher early saturday morning and will make deals
>>>> to buy cuts of beef, lamb and pork for 50% less per weight if I
>>>> take a certain quantity. Sometimes he'll cut a deal and sometimes
>>>> not. Not so with chicken because they use the chicken in their
>>>> restaurant on site or maybe somebody has a deal to buy the store's chicken.
>>>>
>>>> I also notice monday nights around here they seem to have more
>>>> marked down meats because the new shipment of meat came in on
>>>> Monday morning. Also I grind my own meats like hamburger and
>>>> sausage meat. Major
>>>> savings there. I rarely buy store ground meats unless I forgot to
>>>> thaw something. You can get the marked down meats, grind them up,
>>>> freeze them in your desired protion size (500 g or l lb seem to be
>>>> standard). ==========off topic,kind of:
>>
>>> on the other hand, with the dollar becoming useless
>>> And when you all get as poor as I, meat will go by the wayside
>>
>> Like hell it will.
>>
>>> and you'll be looking at a small bag of dried beans, to see how many
>>> servings you can get out of the bag, and protein per serving.
>>
>> We're never going to see that situation again, essentially because
>> modern industrialised agriculture has eliminated that now.
>>
>>> Meat will only be a dream of long ago.
>>
>> Didnt even happen during the great depression.
>>
>>> There is an upside, eliminates a lot of hassle. Not much storage
>>> space needed, no freezer needed, no messing with blood and guts,
>>> etc.
>>
>> I dont bother with blood and guts and never have either.
>>
>>> Anyone remember the story about some country at war, the country was
>>> devastated., only the rich had access to the rich foods, while the
>>> pheasants had to survive on grains.
>>
>> And then the world moved on and we industrialised agriculture
>> and we will never see that situation again in the west.
>>
>>> Guess which class come out the better for it: The rich suffered
>>> gout and other diet related diseases, and the poor were lean and
>>> healthy.
>>
>> Pure fantasy, never happened. The poor actually died like flys.
>>
>> And today its the poor that are obscenely obese and dying from that.

== 2 of 4 ==
Date: Thurs, Oct 22 2009 1:48 pm
From: Mrs Irish Mike

On Oct 22, 10:06 am, "sr" <solo...@uninets.net> wrote:
> MR Speed: thank you for following my postings:
> Duke University scientifically introduced the Rice Diet Program, still going
> on today.
>
> Anytime you believe I made a false statement , please, base your statement
> with a proven fact. Statements like its a "fantasy" doesn't add anything.
>

You're new around here? Rod Speed never posts facts, only opinion.
Sometimes his opinions are insightful, but I attribute that to the
'million monkeys typing' effect. Most learn to ignore him, he's like
background noise; only bothersome when you notice it.

== 3 of 4 ==
Date: Thurs, Oct 22 2009 1:50 pm
From: frater mus

On Wed, 21 Oct 2009 16:13:36 -0500, OhioGuy wrote:

> Once in a blue moon, I happen to find some GREAT deals on marked down
> meats at our local Kroger grocery store. So far, I haven't noticed a
> pattern to when I find them.
...
> So, I was wondering if there might be any of you out there with an
> insight
> into when might be the best time to check for marked down meat at the
> market. Thanks!

I've been watching my local Kroger's "used meat" section, but I don't see
a pattern either. If there was something of a pattern I'd say I have
best luck mid-morning Friday and Saturday.

--
L.V.X., brother mouse

== 4 of 4 ==
Date: Thurs, Oct 22 2009 3:35 pm
From: "Rod Speed"

Mrs Irish Mike wrote:
> On Oct 22, 10:06 am, "sr" <solo...@uninets.net> wrote:
>> MR Speed: thank you for following my postings:
>> Duke University scientifically introduced the Rice Diet Program,
>> still going on today.
>>
>> Anytime you believe I made a false statement , please, base your
>> statement with a proven fact. Statements like its a "fantasy"
>> doesn't add anything.

> You're new around here? Rod Speed never posts facts, only opinion.
> Sometimes his opinions are insightful, but I attribute that to the
> 'million monkeys typing' effect. Most learn to ignore him, he's like
> background noise; only bothersome when you notice it.

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

We've never ever seen a single fact from you, ever.

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==============================================================================
TOPIC: Hot sale cheap A&F,Ralph Lauren,ED hardy,lacoste and other brands【
jacket fleece hoodies coat sweater and long sleeve shirts,T-shirts,polo】
http://groups.google.com/group/misc.consumers.frugal-living/t/eb3e4f069dfb131c?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, Oct 22 2009 7:49 pm
From: TING

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==============================================================================
TOPIC: CallingMart Temporary Coupon Codes (expire 10-23) for T-Mobile Prepaid (
10%), AT&T GoPhone (10%), Tracfone (7%), Verizon InPulse (7%), and PagePlus (7%
)
http://groups.google.com/group/misc.consumers.frugal-living/t/86bcc24bd96cd169?hl=en
==============================================================================

== 1 of 2 ==
Date: Thurs, Oct 22 2009 8:34 pm
From: Larry

SMS <scharf.steven@geemail.com> wrote in news:4ae05ccd$0$1603
$742ec2ed@news.sonic.net:

> Larry wrote:
>
>> This takes some getting used to after having been had so many years on
>> postpaid! This $75 will last me into next year!
>
> My mom is now on PagePlus. She probably uses 30 minutes a month, and
> she's worried about only $4 in her account. I told her I'm waiting until
> the balance is really low before I apply the 1400 minute card, so the
> next expiration date is as far out as possible, but yesterday I finally
> added the time to avoid any more worrying.
>
> From $40/month postpaid to $4/month prepaid. When she tells her friends
> I expect that I'll be deluged with requests for how to set up PagePlus
> with a $20 Verizon InPulse handset.
>

I've created a monster here. I think the Verizon resellers in the mall
have a hit man looking for me....(c;]

Even waitresses in my regular restaurants won't take a tip. "You've saved
me more than all the tips I got last month!"

One guy got a $400 phone bill from "The Borg". His teen is a Pageplus
unlimited talk n text customer, now.....(c;]

I have a sticky note on my monitor....."Don't forget to buy a $10 card on
February 15, 2010." No need....I'm on autoreload for $10 every 4 months.

PIN numbers sure are long.....

--
Larry

== 2 of 2 ==
Date: Thurs, Oct 22 2009 9:22 pm
From: Todd Allcock

At 23 Oct 2009 03:34:00 +0000 Larry wrote:

> I've created a monster here. I think the Verizon resellers in the mall
> have a hit man looking for me....(c;]
>
> Even waitresses in my regular restaurants won't take a tip. "You've
saved
> me more than all the tips I got last month!"
>
> One guy got a $400 phone bill from "The Borg". His teen is a Pageplus
> unlimited talk n text customer, now.....(c;]
>
> I have a sticky note on my monitor....."Don't forget to buy a $10 card
on
> February 15, 2010." No need....I'm on autoreload for $10 every 4 months.

>
> PIN numbers sure are long.....

How have you managed that? On the PP site the longest period I can set
for auto-reload is 30 days. I'd love to set up a 120-day auto-reload.

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