Sunday, November 8, 2009

misc.consumers.frugal-living - 25 new messages in 5 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:

* ich poker spielen , poker regeln lernen , kostenlos texas holdem poker
spielen , online werbung geld verdienen , durak spielen online , online
werbung geld verdienen , schnell geld verdienen in , - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/79a8264b4098f8c1?hl=en
* resurfacing/sealing driveway - looking for grey color, not black - 2
messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/1b22c0e95f812800?hl=en
* Subsidy Nonsense Yet Again - 17 messages, 7 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/dff28f482d02ae5c?hl=en
* Definitions of Frugality - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/4db20ff0fb8d6fd6?hl=en
* slowpoke general contractor got us $6,000!!! (home tax credit) - 2 messages,
2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/b7692010fa0607f6?hl=en

==============================================================================
TOPIC: ich poker spielen , poker regeln lernen , kostenlos texas holdem poker
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http://groups.google.com/group/misc.consumers.frugal-living/t/79a8264b4098f8c1?hl=en
==============================================================================

== 1 of 1 ==
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==============================================================================
TOPIC: resurfacing/sealing driveway - looking for grey color, not black
http://groups.google.com/group/misc.consumers.frugal-living/t/1b22c0e95f812800?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Nov 8 2009 12:56 pm
From: phil scott


On Nov 8, 9:14 am, Ohioguy <n...@none.net> wrote:
>    We are buying a place that under the terms of the HUD inspection, has
> a driveway that has to be repaired or resurfaced.  My wife and I took a
> look at it, and since we both grew up in places that had gravel
> driveways, we thought it looked fine.  I would much prefer a stone
> driveway, but it isn't allowed here.
>
>    Although the HUD inspection estimated that this needs $1,500 worth of
> work, I believe that I should be able to get this driveway back in
> decent looking shape for less than a third of that amount.  I'm planning
> on going out there with my Dewalt drill and wire brush to clear out the
> grass & small weeds that have taken root in some of the cracks,
> especially along the edges.
>
>    Here's a photo:http://i38.tinypic.com/jktycy.jpg
>
>    Neither my wife nor I like the dark black color that is used to seal
> most driveways.  We like going barefoot in the summers, and from
> personal experience I've found that these black driveways can get far
> too hot to walk on when it is sunny.  As such, we were hoping to find
> something that is a much lighter grey color - something similar to the
> limestone gravel that is used in driveways.  However, the home
> improvement centers don't seem to have anything other than dark black.
> My searches online also have not been fruitful in this regard.
>
>    Can anyone recommend a high quality resurfacer/sealer that we could
> use, but would give it a light grey color instead of black?  Thanks!

if its concrete do this

use TSP to get it degreased

Then concrete crack filler and a trowl to fill the cracks


Then use cement garage floor paint, tint to suit..you can try using a
bit of fine sand mixed in the batch
then a roller if you want,.. try one spot first to see how it works,,,
use maybe 1/2 cup sand per gallon


== 2 of 2 ==
Date: Sun, Nov 8 2009 6:05 pm
From: Al


On Nov 8, 12:14 pm, Ohioguy <n...@none.net> wrote:
> We are buying a place that under the terms of the HUD inspection, has
> a driveway that has to be repaired or resurfaced. My wife and I took a
> look at it, and since we both grew up in places that had gravel
> driveways, we thought it looked fine. I would much prefer a stone
> driveway, but it isn't allowed here.
>
> Although the HUD inspection estimated that this needs $1,500 worth of
> work, I believe that I should be able to get this driveway back in
> decent looking shape for less than a third of that amount. I'm planning
> on going out there with my Dewalt drill and wire brush to clear out the
> grass & small weeds that have taken root in some of the cracks,
> especially along the edges.
>
> Here's a photo:http://i38.tinypic.com/jktycy.jpg
>
> Neither my wife nor I like the dark black color that is used to seal
> most driveways. We like going barefoot in the summers, and from
> personal experience I've found that these black driveways can get far
> too hot to walk on when it is sunny. As such, we were hoping to find
> something that is a much lighter grey color - something similar to the
> limestone gravel that is used in driveways. However, the home
> improvement centers don't seem to have anything other than dark black.
> My searches online also have not been fruitful in this regard.
>
> Can anyone recommend a high quality resurfacer/sealer that we could
> use, but would give it a light grey color instead of black? Thanks!

If that picture is the worst of it, I think you have a good shot at
repairing it to last a long time. I'm assuming there is no heaving or
lifting of the asphalt. If there is, then those areas would need to
be dug out at a minimum.
Forget the Dewalt. You'd be there a week and achieve nothing.
Professionals use a power washer to deep clean those grassy spots out
of there. Then you can use heavy filler in all the cracks and a top
sealer to finish. This will take at least three different days to
complete. FHA and HUD inspectors can be quite quirky. If the same
inspector gets it in his craw that the driveway needs to be dug up,
perhaps he will not approve your do it yourself work. As for color, I
don't know for sure. I know they use similar material in gray and even
white on roofs. There must be a reason all the drives are black.
Perhaps that is because a gray topping will soon have black streaks
and look very tacky indeed.

If you stated the width and length of the driveway, you might get more
interesting answers. Driveway work is always quoted in square feet.

==============================================================================
TOPIC: Subsidy Nonsense Yet Again
http://groups.google.com/group/misc.consumers.frugal-living/t/dff28f482d02ae5c?hl=en
==============================================================================

== 1 of 17 ==
Date: Sun, Nov 8 2009 1:27 pm
From: krw


On Sun, 08 Nov 2009 14:46:15 -0500, Les Cargill
<lcargill99@comcast.net> wrote:

>krw wrote:
>> On Sun, 08 Nov 2009 13:13:13 -0500, Les Cargill
>> <lcargill99@comcast.net> wrote:
>>
>>> krw wrote:
>>>> On Sun, 08 Nov 2009 01:54:14 -0500, Les Cargill
>>>> <lcargill99@comcast.net> wrote:
>>>>
>>>>> Jym Dyer wrote:
>>>>>>>> = Scott in SoCal
>>>>>>> = Rod Speed
>>>>>>>> Transit only *seems* more expensive because it is subsidized
>>>>>>>> LESS than automobiles are.
>>>>>>> Wrong. There are plenty of situations where the cheapest
>>>>>>> cars are cheaper than the worst mass transit available and
>>>>>>> the cheapest cars arent subsidized by anyone.
>>>>>> =v= I understand that the vast and Rube Goldbergesque array
>>>>>> of funding serves to keep most of us from thinking about the
>>>>>> true cost of driving.
>>>>>>
>>>>> ??? The roads are financed by fuel taxes. It hardly looks
>>>>> very opaque, and people have done multiple studies.
>>>> ...and those fuel taxes are often tapped as a convenient source of
>>>> income for all sorts of social engineering, like "public" transit.
>>>>
>>> Well, I don't particularly have a serious problem with that. If
>>> you can conform to bus schedules and it saves you scarce cash,
>>> I'm willing to subsidize that some.
>>
>> Why? Shouldn't public transportation's pay its costs? If it's
>> better, shouldn't this be easy? If it's not, why have it at all.
>>
>
>Because people simply don't choose to be disabled or poor
>enough to need public transport. I'm not willing to write
>those people off. Can private efforts replace public
>transport? I don't know.

So you're going assist people in their own helplessness? ...even
force it? How positively Johnsonian of you.

>Schumpeterien forces make it harder for the least of us
>to compete. That places the burden of care for them
>somewhat on the winners. We all reap the benefits of
>creative destruction; expecting people to simply cope
>doesn't seem realistic.

Then why not pay the largesse out of general funds rather than highway
funds? Answer: Because it doesn't control the productive enough. The
unproductive are already under control.

>>>>> The only thing we really don't know is the true cost
>>>>> of a barrel of oil. We do know the market price of it.
>>>> Often the kitchen sink is thrown at the "true cost" by lunatics
>>>> pushing their collectivist propaganda.
>>>>
>>> Heh. That certainly doesn't help. Pigovian taxes are well-understood
>>> by The Right People, but look at how looney the debates over
>>> carbon offsets are.
>>
>> Sure. Like the "health care" debate, the real issue is taxes. A
>> higher income tax isn't going to work.
>
>It might. Our galloping deficits are going to work less.

By "work" I meant "fly". Higher taxes will kill the golden goose, no
mater what color you paint them. People know this, but what they
can't see they don't understand. Let me put it another way... Do you
suppose taxes would be as high as they are if you had to fork over a
check for the *total* amount of _all_ taxes every April 15?

>> The states have maxed out
>> sales and property taxes. The direct taxes are all maxed out. The
>> only thing left are "hidden" taxes, which is exactly what "health
>> care" and "cap and tax" are all about. The loony left loves to tax
>> the productive into the unproductive so they can be controlled.
>>
>
>Check the CBO figures on what the Bush tax cuts have done to the
>deficits. It would be irresponsible to continue them on a linear
>projected basis, unless we're prepared to abandon deficit spending
>altogether.

Look at the revenue side before you take such broad strokes.

>Never mind the sheer level of direct, unfiltered subsidy to the
>last bunch of "masters of the universe". Free market? Not
>even close. Greenspan's mea culpa last year pretty much
>ended all that. he'd held that belief apparently since
>writing an Objectivist paper in 1963.
>
>Again, the problem with Capitalism is still Capitalists - or
>fratboy capitalist wannabees. You can't observe this phenomenon
>and still claim the high moral ground.

No, the problem with capitalism is government.

>>>>>> =v= The laws of physics are less complicated. Dragging one
>>>>>> or more tons of steel and plastic and toxics per person is
>>>>>> going to involve more resources, no matter how accountants
>>>>>> distribute the numbers. When point A and point B are so much
>>>>>> further apart because so much land area is devoted to cars
>>>>>> (whether they're driving, speeding, or parking), that, too,
>>>>>> is going to involve more resources. Paving all that land
>>>>>> area? Yep, more resources all over again, plus the const of
>>>>>> maintaining it all.
>>>>>>
>>>>> But cars enable people to use land they wouldn't otherwise
>>>>> be able to. What we see with public transport is that it never
>>>>> makes money.
>>>> Right. Now imagine a society where land barons or evil corporations
>>>> own the tenements were *everyone* is forced to live. I rather like
>>>> the idea of owning my own home.
>>>>
>>> Exactly. Although it's probably more frugal to rent, unless you can
>>> really sock in a good down payment.
>>
>> Not the point. Do you think everyone can afford rent if *everyone* is
>> forced to live within the bounds of public transportation. How many
>> can afford to live in Manhattan? Now double that.
>>
>
>No, not at all. My point still stands - the greatest value of
>cars is the ability to shift the balance of power in land rents.

How are "land rents" any different than land ownership? Please
elaborate.

>> Back to your point. You will never save a "decent" down payment
>> renting from the only game in town. Even with this recession, a home
>> is still the way to long-term financial security.
>>
>
>Bollocks. That's the fairy story. Do the math yourself - if and
>only if you can *actually afford it* - the TCO of ownership is
>strictly less than renting - is it more frugal. What people do
>is chase the tax break and pretend it's making them money. Well,
>the marginal rate is still far less than 100%, no matter what.

If you can't afford a McMansion, buying one isn't smart, no. Buying
if smart if you can afford it, and a 20% down (pick your number) isn't
necessarily the hallmark of "affordability". I bought my first house
with less than 1% down.

>This does not mean there are no strategies where home ownership is
>more frugal - just that one must prepare for it properly.

Said like someone who believes that leasing a car is a financial
winner.

>Right now, the way prices are plummeting - it's a good
>time to transition to owning, assuming you have stable income.
>But what most people forget is all the peripheral cost of
>ownership.

Much of the peripheral costs are voluntary. Maintenance is pretty
small, over the life of a house.

>>> If real estate regresses to its utility value rather than its
>>> speculative value, that's different. You just don't wanna be the greater
>>> sucker.
>>
>> Sure. That's why I don't speculate with housing. I live in it. The
>> equity in my house isn't income either.
>>
>
>but if you're in a market that is dominated *by* speculation,
>the only way to win is not to play.

The only way to win is to live in a house your entire life. That
isn't done by saving a huge down payment before getting the feet wet.


== 2 of 17 ==
Date: Sun, Nov 8 2009 1:47 pm
From: aemeijers


Les Cargill wrote:
(snip)
> Check the CBO figures on what the Bush tax cuts have done to the
> deficits. It would be irresponsible to continue them on a linear
> projected basis, unless we're prepared to abandon deficit spending
> altogether.
>

Funny, I thought it was the out-of-control spending that led to the
deficits. In the real world, people have to base what they spend on what
they can take in without using a gun. The government ought to try that
sometime. And don't tell me the federal budget can't be cut. I work for
them, and see firsthand how they waste at least one dollar out of three.
Just as a symbolic gesture, POTUS should try staying in DC for awhile,
instead of campaigning for a job he already has. That would save
millions right there. A drop of piss in the ocean, I know, but every
drop helps. If the feds got their collective act together, they could
cut expenses bigtime. Note that I blame congress as much or more than
whoever happens to be in the white house. If the 535 fools on the hill
would grow a brain, a pair, and a spine, they could derail the gravy
train. Maybe their salaries should be based on the deficit- the more in
the hole, the less they take home.

--
aem sends....


== 3 of 17 ==
Date: Sun, Nov 8 2009 2:03 pm
From: krw


On Sun, 08 Nov 2009 16:47:24 -0500, aemeijers <aemeijers@att.net>
wrote:

>Les Cargill wrote:
>(snip)
>> Check the CBO figures on what the Bush tax cuts have done to the
>> deficits. It would be irresponsible to continue them on a linear
>> projected basis, unless we're prepared to abandon deficit spending
>> altogether.
>>
>
>Funny, I thought it was the out-of-control spending that led to the
>deficits. In the real world, people have to base what they spend on what
>they can take in without using a gun. The government ought to try that
>sometime. And don't tell me the federal budget can't be cut. I work for
>them, and see firsthand how they waste at least one dollar out of three.
>Just as a symbolic gesture, POTUS should try staying in DC for awhile,
>instead of campaigning for a job he already has. That would save
>millions right there. A drop of piss in the ocean, I know, but every
>drop helps. If the feds got their collective act together, they could
>cut expenses bigtime. Note that I blame congress as much or more than
>whoever happens to be in the white house. If the 535 fools on the hill
>would grow a brain, a pair, and a spine, they could derail the gravy
>train. Maybe their salaries should be based on the deficit- the more in
>the hole, the less they take home.

Make it a simple ratio, sign and all.


== 4 of 17 ==
Date: Sun, Nov 8 2009 3:01 pm
From: Phil W Lee


"Rod Speed" <rod.speed.aaa@gmail.com> considered Sun, 8 Nov 2009
15:45:59 +1100 the perfect time to write:

>Jym Dyer wrote
>>>> = Scott in SoCal
>>> = Rod Speed
>
>You've completely mangled the attributions. That should have been
>
>> Rod Speed
>>> Scott in SoCal
>
>>>> Transit only *seems* more expensive because
>>>> it is subsidized LESS than automobiles are.
>
>>> Wrong. There are plenty of situations where the cheapest
>>> cars are cheaper than the worst mass transit available and
>>> the cheapest cars arent subsidized by anyone.
>
>> I understand that the vast and Rube Goldbergesque
>> array of funding serves to keep most of us from
>> thinking about the true cost of driving.
>
>In fact most countrys dont actually spend all that they collect
>in road taxes exclusively on roads and other car infrastructure.

I've yet to hear of one that doesn't - most spend FAR more.
>
>> The laws of physics are less complicated. Dragging
>> one or more tons of steel and plastic and toxics per
>> person is going to involve more resources, no matter
>> how accountants distribute the numbers.
>
>Yes, but thats an entirely separate matter to his pig ignorant claim about SUBSIDYS.
>
>When the individual that chooses to use a car instead of
>transit pays for the extra fuel used to move that extra
>mass around, that not a subsidy, thats a personal choice.

And the government obligingly pays for the cost of constructing
sufficient roadway to accommodate it.
THAT'S a subsidy.
>
>> When point A and point B are so much further
>> apart because so much land area is devoted to
>> cars (whether they're driving, speeding, or parking),
>> that, too, is going to involve more resources.
>
>Yes, but again, thats an entirely separate
>matter to what is being discussed, SUBSIDYS.

So try driving without a roadway.
If you're using the roadway, you're accepting the subsidy.
>
>> Paving all that land area? Yep, more resources
>> all over again, plus the const of maintaining it all.
>
>Paid for by the car taxes, mostly the fuel tax.

Nowhere near.
>
>And they're paved even for just pedestrians and bike riders anyway,
>who mostly dont pay any use tax to use them so THEY are in fact
>subsidised by those who choose to use a car instead.

How much maintenance do you think a cycleway or footpath needs
compared to a roadway?
Just as a clue, the damage caused by traffic rises in proportion to
the 4th power of the axle weight of the vehicle.
>
>> You can shuffle the finances around as if you're playing 3-Card Monte,
>> but eventually there's a bottom line involved, and guess what? You lose.
>
>Nope, I win by having much more flexibility with my movements and
>I dont have to put up with the unwashed rabble in my vehicle either.
>
Guess you'd better find your own planet then, but I don't think you'll
have much luck redesigning the laws of physics anywhere in this
universe.


== 5 of 17 ==
Date: Sun, Nov 8 2009 3:22 pm
From: Scott in SoCal


Last time on misc.consumers, Les Cargill <lcargill99@comcast.net>
said:

>But cars enable people to use land they wouldn't otherwise
>be able to.

Same is true of transit. In fact, it was true of transit even before
there were cars. Ever heard of "Streetcar Suburbs?"

>What we see with public transport is that it never
>makes money.

OK, so show me a road that makes money.

The only "nonsense" here is the double standard. It's OK to give car
users "free" roads and "free" parking without even the hope of a
payback, let alone a profit, but somehow trains and buses are expected
to earn a profit at the farebox.


== 6 of 17 ==
Date: Sun, Nov 8 2009 3:30 pm
From: krw


On Sun, 08 Nov 2009 15:22:24 -0800, Scott in SoCal
<scottenaztlan@yahoo.com> wrote:

>Last time on misc.consumers, Les Cargill <lcargill99@comcast.net>
>said:
>
>>But cars enable people to use land they wouldn't otherwise
>>be able to.
>
>Same is true of transit. In fact, it was true of transit even before
>there were cars. Ever heard of "Streetcar Suburbs?"

Nonsnese. Try streetcars in any major city now. Try affording them
in any small city.

>>What we see with public transport is that it never
>>makes money.
>
>OK, so show me a road that makes money.

Don't be an idiot. They all do. If you want one that makes a (huge)
profit, try the NYS Thruway.

>The only "nonsense" here is the double standard. It's OK to give car
>users "free" roads and "free" parking without even the hope of a
>payback, let alone a profit, but somehow trains and buses are expected
>to earn a profit at the farebox.

They anent free, Scotty. Road taxes pay for them, and much of public
transit too. Of more is needed, raise the road taxes. I have no
issue if it is USED FOR ROADS.


== 7 of 17 ==
Date: Sun, Nov 8 2009 3:42 pm
From: Phil W Lee


aemeijers <aemeijers@att.net> considered Sat, 07 Nov 2009 22:07:12
-0500 the perfect time to write:

>Jym Dyer wrote:
>>>> = Scott in SoCal
>>> = Rod Speed
>>
>>>> Transit only *seems* more expensive because it is subsidized
>>>> LESS than automobiles are.
>>> Wrong. There are plenty of situations where the cheapest
>>> cars are cheaper than the worst mass transit available and
>>> the cheapest cars arent subsidized by anyone.
>>
>> =v= I understand that the vast and Rube Goldbergesque array
>> of funding serves to keep most of us from thinking about the
>> true cost of driving.
>>
>> =v= The laws of physics are less complicated. Dragging one
>> or more tons of steel and plastic and toxics per person is
>> going to involve more resources, no matter how accountants
>> distribute the numbers. When point A and point B are so much
>> further apart because so much land area is devoted to cars
>> (whether they're driving, speeding, or parking), that, too,
>> is going to involve more resources. Paving all that land
>> area? Yep, more resources all over again, plus the const of
>> maintaining it all.
>>
>> =v= You can shuffle the finances around as if you're playing
>> 3-Card Monte, but eventually there's a bottom line involved,
>> and guess what? You lose.
>> <_Jym_>
>>
>Add it up again with door-to-door service, and 'anytime' availability.
>Not everyone lives in the imaginary 1920s-1960s urban utopia of 40 foot
>wide lot row houses with a bus stop on every other corner. Nor does
>everyone go to work or come home the same time, or work the hours the
>bus system is running. To provide anything near the level of service a
>private vehicle offers, you would need a whole lot more buses and
>drivers. And most of them would still be running near-empty most of the
>time, at a higher cost per passenger mile than a private car. Buses are
>only efficient if they are at least partially full.
>
>Hey, I <like> public transit. In college, I used it almost every day.
>But in a college town, most of the users live in a concentrated area,
>and the places they need to go are in a concentrated area. Out in the
>real world, the only areas that get near that user/destination density
>are the old urban centers. Which happen to be the only areas where mass
>transit works. That is why the city here collapsed their bus routes and
>schedules- they realized that the buses to the outer regions were
>running nearly empty most of the time. Same for the off-hour buses, even
>in town. It would be cheaper to give cab fare coupons to the folks that
>can't drive for whatever reason. They didn't do that, of course, so
>there were some people truly between a rock and a hard place. One guy
>wanted to take up the slack with a jitney bus service that regular-use
>non-drivers could subscribe to, but the cab companies leaned on the
>city, and it never happened.

That's ok, once people have to pay the full cost of driving, many will
decide it isn't worth the cost.
And when they can't drive anymore, they'll all get back on the buses.


== 8 of 17 ==
Date: Sun, Nov 8 2009 3:48 pm
From: Phil W Lee


Les Cargill <lcargill99@comcast.net> considered Sun, 08 Nov 2009
01:54:14 -0500 the perfect time to write:

>Jym Dyer wrote:
>>>> = Scott in SoCal
>>> = Rod Speed
>>
>>>> Transit only *seems* more expensive because it is subsidized
>>>> LESS than automobiles are.
>>> Wrong. There are plenty of situations where the cheapest
>>> cars are cheaper than the worst mass transit available and
>>> the cheapest cars arent subsidized by anyone.
>>
>> =v= I understand that the vast and Rube Goldbergesque array
>> of funding serves to keep most of us from thinking about the
>> true cost of driving.
>>
>
>??? The roads are financed by fuel taxes. It hardly looks
>very opaque, and people have done multiple studies.
>
Not even close. I don't know of any government that doesn't subsidise
road infrastructure from central taxes.
Maybe you do, but I'm talking about the planet earth.

>The only thing we really don't know is the true cost
>of a barrel of oil. We do know the market price of it.
>
Studies have been done, and you're right, the market price is much
less than the actual cost, particularly if you include the cost of
clearing up after it.

>> =v= The laws of physics are less complicated. Dragging one
>> or more tons of steel and plastic and toxics per person is
>> going to involve more resources, no matter how accountants
>> distribute the numbers. When point A and point B are so much
>> further apart because so much land area is devoted to cars
>> (whether they're driving, speeding, or parking), that, too,
>> is going to involve more resources. Paving all that land
>> area? Yep, more resources all over again, plus the const of
>> maintaining it all.
>>
>
>But cars enable people to use land they wouldn't otherwise
>be able to. What we see with public transport is that it never
>makes money.

Only because so many people use cars.
Once they have to pay the full cost of that, most will stop.
That will make public transport viable.
Then the majority will get sick of the yuppies driving around on
public roads, and stop them.
That will make public transport profitable.

The only real question is how long that will take, and how much of the
planet will be left by the time it happens.
>
>> =v= You can shuffle the finances around as if you're playing
>> 3-Card Monte, but eventually there's a bottom line involved,
>> and guess what? You lose.
>> <_Jym_>
>>


== 9 of 17 ==
Date: Sun, Nov 8 2009 5:25 pm
From: "h"

"krw" <krw@att.bizzzzzzzzzzz> wrote in message
news:kvkef51fhk4mio56krftteolo54m51r7qh@4ax.com...

>
> They anent free, Scotty. Road taxes pay for them, and much of public
> transit too. Of more is needed, raise the road taxes. I have no
> issue if it is USED FOR ROADS.

Is little Scottie still whinging on about car owners? Does he REALLY not get
that roads are not just for cars? He'd starve to death without roads, since
without them trucks wouldn't be able to bring his food into the city. Also,
buses need roads, too, or does he really think people shouldn't travel AT
ALL?


== 10 of 17 ==
Date: Sun, Nov 8 2009 5:25 pm
From: "h"

"Phil W Lee" <phil(at)lee-family(dot)me(dot)uk> wrote in message
news:0nlef5hgh3pctftqnt91h6gqbusqpas8qg@4ax.com...
> That's ok, once people have to pay the full cost of driving, many will
> decide it isn't worth the cost.
> And when they can't drive anymore, they'll all get back on the buses.

Assuming they live where there are buses.


== 11 of 17 ==
Date: Sun, Nov 8 2009 5:50 pm
From: krw


On Sun, 8 Nov 2009 20:25:01 -0500, "h" <tmclone@searchmachine.com>
wrote:

>
>"krw" <krw@att.bizzzzzzzzzzz> wrote in message
>news:kvkef51fhk4mio56krftteolo54m51r7qh@4ax.com...
>
>>
>> They anent free, Scotty. Road taxes pay for them, and much of public
>> transit too. Of more is needed, raise the road taxes. I have no
>> issue if it is USED FOR ROADS.
>
>Is little Scottie still whinging on about car owners? Does he REALLY not get
>that roads are not just for cars? He'd starve to death without roads, since
>without them trucks wouldn't be able to bring his food into the city. Also,
>buses need roads, too, or does he really think people shouldn't travel AT
>ALL?

Sure, he's still whining. He's no different than any of the little
leftist who want to own your soul.


== 12 of 17 ==
Date: Sun, Nov 8 2009 6:23 pm
From: "Rod Speed"


Phil W Lee wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Jym Dyer wrote
>>>>> = Scott in SoCal
>>>> = Rod Speed

>> You've completely mangled the attributions. That should have been

>>> Rod Speed
>>>> Scott in SoCal

>>>>> Transit only *seems* more expensive because
>>>>> it is subsidized LESS than automobiles are.

>>>> Wrong. There are plenty of situations where the cheapest
>>>> cars are cheaper than the worst mass transit available and
>>>> the cheapest cars arent subsidized by anyone.

>>> I understand that the vast and Rube Goldbergesque
>>> array of funding serves to keep most of us from
>>> thinking about the true cost of driving.

>> In fact most countrys dont actually spend all that they collect
>> in road taxes exclusively on roads and other car infrastructure.

> I've yet to hear of one that doesn't

Then you need to get out more and look at
western europe where they heavily tax fuel etc.

> - most spend FAR more.

Thats a lie.

>>> The laws of physics are less complicated. Dragging
>>> one or more tons of steel and plastic and toxics per
>>> person is going to involve more resources, no matter
>>> how accountants distribute the numbers.

>> Yes, but thats an entirely separate matter to his pig ignorant claim about SUBSIDYS.

>> When the individual that chooses to use a car instead of
>> transit pays for the extra fuel used to move that extra
>> mass around, that not a subsidy, thats a personal choice.

> And the government obligingly pays for the cost
> of constructing sufficient roadway to accommodate it.

> THAT'S a subsidy.

Not when its only part of what is raised in car taxes.

>>> When point A and point B are so much further
>>> apart because so much land area is devoted to
>>> cars (whether they're driving, speeding, or parking),
>>> that, too, is going to involve more resources.

>> Yes, but again, thats an entirely separate
>> matter to what is being discussed, SUBSIDYS.

> So try driving without a roadway.

Dont need to, they are paid for with road taxes.

> If you're using the roadway, you're accepting the subsidy.

There is no subsidy if its only part of what is raised in road taxes.

>>> Paving all that land area? Yep, more resources
>>> all over again, plus the const of maintaining it all.

>> Paid for by the car taxes, mostly the fuel tax.

> Nowhere near.

Wrong, as always.

>> And they're paved even for just pedestrians and bike riders anyway,
>> who mostly dont pay any use tax to use them so THEY are in fact
>> subsidised by those who choose to use a car instead.

> How much maintenance do you think a cycleway
> or footpath needs compared to a roadway?

None needs much when its done properly in the first place.

> Just as a clue, the damage caused by traffic rises in
> proportion to the 4th power of the axle weight of the vehicle.

So its the trucks that do most of the wear and tear on roads.

>>> You can shuffle the finances around as if you're playing 3-Card Monte,
>>> but eventually there's a bottom line involved, and guess what? You lose.

>> Nope, I win by having much more flexibility with my movements and
>> I dont have to put up with the unwashed rabble in my vehicle either.

> Guess you'd better find your own planet then,

This one is fine.

> but I don't think you'll have much luck redesigning the laws of physics anywhere in this universe.

No laws of physics involved in whether the road taxes are used to pay for the roads.


== 13 of 17 ==
Date: Sun, Nov 8 2009 6:26 pm
From: "Rod Speed"


Scott in SoCal wrote
> Les Cargill <lcargill99@comcast.net> wrote

>> What we see with public transport is that it never makes money.

> OK, so show me a road that makes money.

Plenty of private toll roads do.

> The only "nonsense" here is the double standard. It's OK to give car users "free" roads

They aint free, they pay road use and fuel taxes.

> and "free" parking

They aint free, they pay road use and fuel taxes.

> without even the hope of a payback,

Thats a lie.

> let alone a profit, but somehow trains and buses are expected to earn a profit at the farebox.

Because they dont pay the road use and fuel taxes.


== 14 of 17 ==
Date: Sun, Nov 8 2009 6:30 pm
From: "Rod Speed"


Phil W Lee wrote:
> Les Cargill <lcargill99@comcast.net> considered Sun, 08 Nov 2009
> 01:54:14 -0500 the perfect time to write:
>
>> Jym Dyer wrote:
>>>>> = Scott in SoCal
>>>> = Rod Speed
>>>
>>>>> Transit only *seems* more expensive because it is subsidized
>>>>> LESS than automobiles are.
>>>> Wrong. There are plenty of situations where the cheapest
>>>> cars are cheaper than the worst mass transit available and
>>>> the cheapest cars arent subsidized by anyone.
>>>
>>> =v= I understand that the vast and Rube Goldbergesque array
>>> of funding serves to keep most of us from thinking about the
>>> true cost of driving.
>>>
>>
>> ??? The roads are financed by fuel taxes. It hardly looks
>> very opaque, and people have done multiple studies.

> Not even close. I don't know of any government that
> doesn't subsidise road infrastructure from central taxes.

Your pig ignorance is your problem.

Try western europe.

> Maybe you do, but I'm talking about the planet earth.

So are we.

>> The only thing we really don't know is the true cost
>> of a barrel of oil. We do know the market price of it.

> Studies have been done, and you're right, the market price is much
> less than the actual cost, particularly if you include the cost of
> clearing up after it.

>>> =v= The laws of physics are less complicated. Dragging one
>>> or more tons of steel and plastic and toxics per person is
>>> going to involve more resources, no matter how accountants
>>> distribute the numbers. When point A and point B are so much
>>> further apart because so much land area is devoted to cars
>>> (whether they're driving, speeding, or parking), that, too,
>>> is going to involve more resources. Paving all that land
>>> area? Yep, more resources all over again, plus the const of
>>> maintaining it all.
>>>
>>
>> But cars enable people to use land they wouldn't otherwise
>> be able to. What we see with public transport is that it never
>> makes money.
>
> Only because so many people use cars.
> Once they have to pay the full cost of that, most will stop.

Pure fantasy.

> That will make public transport viable.

Pure fantasy.

> Then the majority will get sick of the yuppies
> driving around on public roads, and stop them.

Pure fantasy.

> That will make public transport profitable.

Pure fantasy.

> The only real question is how long that will take,

Forever, you watch.

> and how much of the planet will be left by the time it happens.

It aint going nowhere.

>>> =v= You can shuffle the finances around as if you're playing
>>> 3-Card Monte, but eventually there's a bottom line involved,
>>> and guess what? You lose.
>>> <_Jym_>


== 15 of 17 ==
Date: Sun, Nov 8 2009 6:32 pm
From: Les Cargill


krw wrote:
> On Sun, 08 Nov 2009 14:46:15 -0500, Les Cargill
> <lcargill99@comcast.net> wrote:
>
>> krw wrote:
>>> On Sun, 08 Nov 2009 13:13:13 -0500, Les Cargill
>>> <lcargill99@comcast.net> wrote:
>>>
>>>> krw wrote:
>>>>> On Sun, 08 Nov 2009 01:54:14 -0500, Les Cargill
>>>>> <lcargill99@comcast.net> wrote:
>>>>>
>>>>>> Jym Dyer wrote:
>>>>>>>>> = Scott in SoCal
>>>>>>>> = Rod Speed
>>>>>>>>> Transit only *seems* more expensive because it is subsidized
>>>>>>>>> LESS than automobiles are.
>>>>>>>> Wrong. There are plenty of situations where the cheapest
>>>>>>>> cars are cheaper than the worst mass transit available and
>>>>>>>> the cheapest cars arent subsidized by anyone.
>>>>>>> =v= I understand that the vast and Rube Goldbergesque array
>>>>>>> of funding serves to keep most of us from thinking about the
>>>>>>> true cost of driving.
>>>>>>>
>>>>>> ??? The roads are financed by fuel taxes. It hardly looks
>>>>>> very opaque, and people have done multiple studies.
>>>>> ...and those fuel taxes are often tapped as a convenient source of
>>>>> income for all sorts of social engineering, like "public" transit.
>>>>>
>>>> Well, I don't particularly have a serious problem with that. If
>>>> you can conform to bus schedules and it saves you scarce cash,
>>>> I'm willing to subsidize that some.
>>> Why? Shouldn't public transportation's pay its costs? If it's
>>> better, shouldn't this be easy? If it's not, why have it at all.
>>>
>> Because people simply don't choose to be disabled or poor
>> enough to need public transport. I'm not willing to write
>> those people off. Can private efforts replace public
>> transport? I don't know.
>
> So you're going assist people in their own helplessness? ...even
> force it? How positively Johnsonian of you.
>

*Much* worse than that. Yes, I will. There is a founding
principle of economics of "the declining marginal value of
money" which had very few exceptions. I will encourage less
entropy in the world with that small subsidy than without it.


>> Schumpeterien forces make it harder for the least of us
>> to compete. That places the burden of care for them
>> somewhat on the winners. We all reap the benefits of
>> creative destruction; expecting people to simply cope
>> doesn't seem realistic.
>
> Then why not pay the largesse out of general funds rather than highway
> funds? Answer: Because it doesn't control the productive enough. The
> unproductive are already under control.
>

Because as these things go, it's one large lump. I am sure
that whatever the reasons to take it out of highway funds
comes from somebody reading symmetry between waiting on the
bus until I Cadillac.


>>>>>> The only thing we really don't know is the true cost
>>>>>> of a barrel of oil. We do know the market price of it.
>>>>> Often the kitchen sink is thrown at the "true cost" by lunatics
>>>>> pushing their collectivist propaganda.
>>>>>
>>>> Heh. That certainly doesn't help. Pigovian taxes are well-understood
>>>> by The Right People, but look at how looney the debates over
>>>> carbon offsets are.
>>> Sure. Like the "health care" debate, the real issue is taxes. A
>>> higher income tax isn't going to work.
>> It might. Our galloping deficits are going to work less.
>
> By "work" I meant "fly". Higher taxes will kill the golden goose, no
> mater what color you paint them.

I suppose you've been asleep the last ten years. What golden goose?
You can only remain accountable for so much willing suspension of
disbelief for so long. After all, Greenspan said his mea culpa
last year.

If people drawing cartoons of production is that standard, then...

> People know this, but what they
> can't see they don't understand. Let me put it another way... Do you
> suppose taxes would be as high as they are if you had to fork over a
> check for the *total* amount of _all_ taxes every April 15?
>
>

I always have when I did not properly withhold. It does not matter.
I was glad to do it, too. it is a privilege.

>>> The states have maxed out
>>> sales and property taxes. The direct taxes are all maxed out. The
>>> only thing left are "hidden" taxes, which is exactly what "health
>>> care" and "cap and tax" are all about. The loony left loves to tax
>>> the productive into the unproductive so they can be controlled.
>>>
>> Check the CBO figures on what the Bush tax cuts have done to the
>> deficits. It would be irresponsible to continue them on a linear
>> projected basis, unless we're prepared to abandon deficit spending
>> altogether.
>
> Look at the revenue side before you take such broad strokes.
>

Unfortunately... I am doing exactly that. It's not very good. You
want to reify the jumped-up pseeudo event of "revenue" since about, oh
1982?

>> Never mind the sheer level of direct, unfiltered subsidy to the
>> last bunch of "masters of the universe". Free market? Not
>> even close. Greenspan's mea culpa last year pretty much
>> ended all that. he'd held that belief apparently since
>> writing an Objectivist paper in 1963.
>>
>> Again, the problem with Capitalism is still Capitalists - or
>> fratboy capitalist wannabees. You can't observe this phenomenon
>> and still claim the high moral ground.
>
> No, the problem with capitalism is government.
>

Well, if you really *want* to agree with me, that's fine. Government
pretty much made the fratboy capitalist standard subject to Iron Law.

They'll accept privilege so we don't have to....

Are you specifically *denying* the fratboy capitalist standard? Because
I have such a significant cannon loaded for that event.... even Obama
embraces it.

>>>>>>> =v= The laws of physics are less complicated. Dragging one
>>>>>>> or more tons of steel and plastic and toxics per person is
>>>>>>> going to involve more resources, no matter how accountants
>>>>>>> distribute the numbers. When point A and point B are so much
>>>>>>> further apart because so much land area is devoted to cars
>>>>>>> (whether they're driving, speeding, or parking), that, too,
>>>>>>> is going to involve more resources. Paving all that land
>>>>>>> area? Yep, more resources all over again, plus the const of
>>>>>>> maintaining it all.
>>>>>>>
>>>>>> But cars enable people to use land they wouldn't otherwise
>>>>>> be able to. What we see with public transport is that it never
>>>>>> makes money.
>>>>> Right. Now imagine a society where land barons or evil corporations
>>>>> own the tenements were *everyone* is forced to live. I rather like
>>>>> the idea of owning my own home.
>>>>>
>>>> Exactly. Although it's probably more frugal to rent, unless you can
>>>> really sock in a good down payment.
>>> Not the point. Do you think everyone can afford rent if *everyone* is
>>> forced to live within the bounds of public transportation. How many
>>> can afford to live in Manhattan? Now double that.
>>>
>> No, not at all. My point still stands - the greatest value of
>> cars is the ability to shift the balance of power in land rents.
>
> How are "land rents" any different than land ownership? Please
> elaborate.
>

Find Henry George. it's a caricature of itself when land value, so
abused in the recent falls like a stone.

>>> Back to your point. You will never save a "decent" down payment
>>> renting from the only game in town. Even with this recession, a home
>>> is still the way to long-term financial security.
>>>
>> Bollocks. That's the fairy story. Do the math yourself - if and
>> only if you can *actually afford it* - the TCO of ownership is
>> strictly less than renting - is it more frugal. What people do
>> is chase the tax break and pretend it's making them money. Well,
>> the marginal rate is still far less than 100%, no matter what.
>
> If you can't afford a McMansion, buying one isn't smart, no. Buying
> if smart if you can afford it, and a 20% down (pick your number) isn't
> necessarily the hallmark of "affordability". I bought my first house
> with less than 1% down.
>

Then you gambled on a rise in equity to make up for what you did not
have going in. Fine if it works; sucks when it fails.

>> This does not mean there are no strategies where home ownership is
>> more frugal - just that one must prepare for it properly.
>
> Said like someone who believes that leasing a car is a financial
> winner.
>

No, just someone who understands that renting is much more efficient.
Unless you're up to owning. But isn't what we see around us the
Great Lie - ownership is Better? It is if the numbers say it is, but
in the presence of the Cult of the Greater Sucker...

>> Right now, the way prices are plummeting - it's a good
>> time to transition to owning, assuming you have stable income.
>> But what most people forget is all the peripheral cost of
>> ownership.
>
> Much of the peripheral costs are voluntary. Maintenance is pretty
> small, over the life of a house.
>

Whoo boy. I am speaking to someone who did not keep good
records. And peripheral costs are not completely encapsulated
by maintenance.

>>>> If real estate regresses to its utility value rather than its
>>>> speculative value, that's different. You just don't wanna be the greater
>>>> sucker.
>>> Sure. That's why I don't speculate with housing. I live in it. The
>>> equity in my house isn't income either.
>>>
>> but if you're in a market that is dominated *by* speculation,
>> the only way to win is not to play.
>
> The only way to win is to live in a house your entire life. That
> isn't done by saving a huge down payment before getting the feet wet.

So never have to move, and you're OK. That's fine if you don't work
for a living.

--
Les Cargill


== 16 of 17 ==
Date: Sun, Nov 8 2009 6:41 pm
From: Les Cargill


aemeijers wrote:
> Les Cargill wrote:
> (snip)
>> Check the CBO figures on what the Bush tax cuts have done to the
>> deficits. It would be irresponsible to continue them on a linear
>> projected basis, unless we're prepared to abandon deficit spending
>> altogether.
>>
>
> Funny, I thought it was the out-of-control spending that led to the
> deficits. In the real world, people have to base what they spend on what
> they can take in without using a gun.

But gummint ain't people. Understand that first.

> The government ought to try that
> sometime. And don't tell me the federal budget can't be cut.

It mostly cannot.

> I work for
> them, and see firsthand how they waste at least one dollar out of three.

but thats for reasons of the support of transparency. Instrumentation is
expensive, *objective* instrumentation even more so.

> Just as a symbolic gesture, POTUS should try staying in DC for awhile,
> instead of campaigning for a job he already has. That would save
> millions right there. A drop of piss in the ocean, I know, but every
> drop helps. If the feds got their collective act together, they could
> cut expenses bigtime.

No, not really. Every man jack of the bureaucracy lives mostly
in fear of being noted on the pages of history.


> Note that I blame congress as much or more than
> whoever happens to be in the white house. If the 535 fools on the hill
> would grow a brain, a pair, and a spine, they could derail the gravy
> train.

But it's much bigger than they are.

> Maybe their salaries should be based on the deficit- the more in
> the hole, the less they take home.
>

you first have to understand that the standards for public debt
are radically different than for private or encorporate debt.

Done properly,GDP growth erases public debt like it never happened.
It is like buying shoes for your chlidren two sizes too large, because
they will grow into it. The problem is that the standards of appropriate
debt shift with the wind.

> --
> aem sends....

--
Les Cargill


== 17 of 17 ==
Date: Sun, Nov 8 2009 7:06 pm
From: Scott in SoCal


Last time on misc.consumers, krw <krw@att.bizzzzzzzzzzz> said:

>>>What we see with public transport is that it never
>>>makes money.
>>
>>OK, so show me a road that makes money.
>
>Don't be an idiot. They all do.

Really? Prove it!

Show me the profit and loss statement of even ONE road.

==============================================================================
TOPIC: Definitions of Frugality
http://groups.google.com/group/misc.consumers.frugal-living/t/4db20ff0fb8d6fd6?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Nov 8 2009 2:06 pm
From: Gordon


"Rod Speed" <rod.speed.aaa@gmail.com> wrote in
news:7lni1iF3cs9m1U1@mid.individual.net:

> Gordon wrote
>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>>> Gordon wrote
>>>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>
>>>>>>>> Cutting off the satellite for television was not a major loss.
>>>>>>>> Frugality kicked in. We dropped the satellite feed.
>
>>>>>>> So now you have nothing for real news and current affairs.
>
>>>>>> Internet.
>
>>>>> You dont know that she bothers and thats not as good anyway,
>>>>> particularly with docos etc.
>
>>>> docos?
>
>>> Documentarys.
>
>>>> I have never considered TV to be a necessary source of news and
>>>> information.
>
>>> Never said it was.
>
>>>> Besides the internet, there is also radio and the news paper.
>
>>> And you dont know that she bothers with either.
>
>> I'm just saying that those sources are available.
>
> You dont know she bothers with either.

Oh look, in the very next sentence I say the same thing.

>
>> unless she weighs in, neither of us will know what she does or does
>> not bother with.
>
> Its obvious that she's terminally pig ignorant, so she clearly doesnt,
> or at least bothers with either that are other than steaming turds,
> anyway.
>
>> You can lead a horse to water...
>
> Indeed, but if there is no water available...
>
>> This is all getting rather pointless.
>
> Yep, you havent contributed a damned thing.
>

No, you are too blind or ignorent to see the contributions


>> The fact is that there are 4 good sources of news and current events.
>
> You dont know she bothers with any of them, or than all 4 are
> available to her either.
>

As I said above...

>> Just because an individual has cut themselves off from one of those
>> sources does not mean they are deprived of all news and current
>> events.
>
> Having fun thrashing that straw man ?
>
>

Are you?

== 2 of 3 ==
Date: Sun, Nov 8 2009 5:18 pm
From: Napoleon


On Fri, 06 Nov 2009 10:26:29 -0500, Vandy Terre
<vandy@tanglewood-destiny.com> wrote:

> Some would say I would earn more if I
>worked outside the home. I say not. If you turn the time I spend repairing
>clothing, harvesting gardens, collecting eggs into dollars not spent at some
>shop, I am earning better than I could working somewhere else. Plus, I am here
>for the children when they return from school or if they have need of a parent
>during the day.

That is true. One parent should stay home with the children, and it
usually is more frugal than if both parents worked. I could never
understand the obsession in America with the Two-Family income. Just
more money for the tax man to take from. In fact, a family would pay
less income tax if only one partner worked, or one partner made MUCH
less than the other one. If both partners made about the same income,
then the tax rate would be much higher (this I learned from a tax
class I took in law school - the only thing I really retained from
that class).

Plus, the savings on gas and car usage (you might even be able to have
ONE CAR!). In addition, isn't time with your children priceless? Two
parents who work is not a frugal situation since all the extra money
that is made is spent on childcare, babysitting, fast food, gas, car
repairs, taxes, etc. People never think about that. I believe most
people want to work to get away from their kids, which is strange,
because why have kids in the first place if they're raised by
strangers?

>I see too many people playing the 'keep up with the Jones' game and needing to
>work two jobs per adult to manage it. Where is the time to enjoy the extras
>purchased with that income if you are working two jobs? Does the family really
>_need_ that boat or four wheeler or expensive car?

No, the excuse now is HEALTH CARE! Imagine if America had socialized
medicine, maybe, just maybe one parent might stay home to raise the
kids. But probably not, Americans are selfish.

== 3 of 3 ==
Date: Sun, Nov 8 2009 5:31 pm
From: "h"

"Napoleon" <anarch@666yes.net> wrote in message
news:etqef5983tu9a9nltleus744nvqpqbi2hh@4ax.com...
> On Fri, 06 Nov 2009 10:26:29 -0500, Vandy Terre
> <vandy@tanglewood-destiny.com> wrote:
>
>> Some would say I would earn more if I
>>worked outside the home. I say not. If you turn the time I spend
>>repairing
>>clothing, harvesting gardens, collecting eggs into dollars not spent at
>>some
>>shop, I am earning better than I could working somewhere else. Plus, I am
>>here
>>for the children when they return from school or if they have need of a
>>parent
>>during the day.
>
> That is true. One parent should stay home with the children, and it
> usually is more frugal than if both parents worked. I could never
> understand the obsession in America with the Two-Family income. Just
> more money for the tax man to take from. In fact, a family would pay
> less income tax if only one partner worked, or one partner made MUCH
> less than the other one. If both partners made about the same income,
> then the tax rate would be much higher (this I learned from a tax
> class I took in law school - the only thing I really retained from
> that class).
>
> Plus, the savings on gas and car usage (you might even be able to have
> ONE CAR!). In addition, isn't time with your children priceless? Two
> parents who work is not a frugal situation since all the extra money
> that is made is spent on childcare, babysitting, fast food, gas, car
> repairs, taxes, etc. People never think about that. I believe most
> people want to work to get away from their kids, which is strange,
> because why have kids in the first place if they're raised by
> strangers?

If you REALLY want to be frugal you don't have kids in the first place. You
are neither frugal nor green if you breed.

==============================================================================
TOPIC: slowpoke general contractor got us $6,000!!! (home tax credit)
http://groups.google.com/group/misc.consumers.frugal-living/t/b7692010fa0607f6?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Nov 8 2009 5:05 pm
From: Napoleon


On Sun, 08 Nov 2009 00:17:59 -0500, Ohioguy <none@none.net> wrote:


> The child tax credit is designed to encourage people to have kids.
>Although kids do take up resources in the short term, they also become
>tomorrow's taxpayers.

Hey OGuy, I thought you were against govt interference in your life?
You know, socialized medicine and all that. But you're willing to suck
at the teat of the govt for the tax credit? Seems a little
hypocritical.

No matter, the crappy health bill passed the house. Let's hope it's SO
BAD, that we can get real socialized medicine here someday. It
certainly would be more useful than a child tax credit. At least
socialized medicine BENEFITS EVERYONE, not just those who have kids.


== 2 of 2 ==
Date: Sun, Nov 8 2009 5:30 pm
From: "h"

"Napoleon" <anarch@666yes.net> wrote in message
news:agqef5hbkq37u8fk30dqi801ch26meatb2@4ax.com...
> On Sun, 08 Nov 2009 00:17:59 -0500, Ohioguy <none@none.net> wrote:
>
>
>> The child tax credit is designed to encourage people to have kids.
>>Although kids do take up resources in the short term, they also become
>>tomorrow's taxpayers.
>
> Hey OGuy, I thought you were against govt interference in your life?
> You know, socialized medicine and all that. But you're willing to suck
> at the teat of the govt for the tax credit? Seems a little
> hypocritical.
>
> No matter, the crappy health bill passed the house. Let's hope it's SO
> BAD, that we can get real socialized medicine here someday. It
> certainly would be more useful than a child tax credit. At least
> socialized medicine BENEFITS EVERYONE, not just those who have kids.

OhioGuy seems to have the mentality typical of the flyover states. He wants
the gubmint completely out of his life UNLESS it's shoving money into his
pockets. He says he believes in "personal responsibility" and then gloats
about the taxpayers funding his lifestyle choices.


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misc.consumers.frugal-living - 25 new messages in 13 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:

* slowpoke general contractor got us $6,000!!! (home tax credit) - 5 messages,
5 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/b7692010fa0607f6?hl=en
* VERY NICE - 2 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/84dad1ffb3bc1701?hl=en
* Definitions of Frugality - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/4db20ff0fb8d6fd6?hl=en
* Cat gets sick with swine flu - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/2289a6b8597336e3?hl=en
* Fire starting "kit" - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/845e81d6789435fc?hl=en
* The Neti Pot - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/38309cd808fb6bc2?hl=en
* Subsidy Nonsense Yet Again - 4 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/dff28f482d02ae5c?hl=en
* resurfacing/sealing driveway - looking for grey color, not black - 1
messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/1b22c0e95f812800?hl=en
* Dustmites Mold Common House Dust - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/29197a5eef382b22?hl=en
* Durabrand dvd players going up in flames - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/7cfa41e7d595e069?hl=en
* Finally the answers you have wanted are available... - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/cd34c8733e96ff67?hl=en
* (www.keephotsell.com) cheap Ato Matsumoto shoes - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/12702ddd0b9d5511?hl=en
* ich poker spielen , poker regeln lernen , kostenlos texas holdem poker
spielen , online werbung geld verdienen , durak spielen online , online
werbung geld verdienen , schnell geld verdienen in , - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/79a8264b4098f8c1?hl=en

==============================================================================
TOPIC: slowpoke general contractor got us $6,000!!! (home tax credit)
http://groups.google.com/group/misc.consumers.frugal-living/t/b7692010fa0607f6?hl=en
==============================================================================

== 1 of 5 ==
Date: Sat, Nov 7 2009 11:45 pm
From: "ChairMan"


In news:COsJm.2514$rE5.2198@newsfe08.iad,
Ohioguy <none@none.net>spewed forth:
>> You really don't mind that your perceived windfall is someone
>> else's money?
>
> Nope. The money in question - that being used to fund the new
> $6,500 home tax credit - comes not from anyone's personal income
> taxes. Instead, it comes from pushing back a change in corporate taxes
> that
> was supposed to take effect next year, and pushing back that change
> another 8 years or so.
>
> In other words, the bill was supposed to make it so that companies
> that had moved facilities overseas, and were paying taxes there and
> here, were able to deduct the taxes they paid to foreign governments,
> and lessen their corporate US taxes. Instead, they won't be able to
> take that deduction for another several years, and will continue
> paying the same US tax rate they have been for now.
>
> I don't see it as such a bad thing, because it lessens the benefits
> of building a plant elsewhere or sending jobs overseas for a while
> longer.

and you don't beleive that that corporation will pass that cost on to
you/us as consumers?
You should put the crack pipe away

The government cannot give to anybody anything that the government does not
first take from someone else.


== 2 of 5 ==
Date: Sun, Nov 8 2009 7:05 am
From: Ohioguy


>and you don't beleive that that corporation will pass that cost on to
>you/us as consumers?
>You should put the crack pipe away

What cost? As I said, the upcoming and now delayed corporate tax
change would have ENCOURAGED companies to send jobs overseas and build
plants out of the country. Now that change will not occur for another 8
years. So there are no changes in the short term.

If you actually thought that we would benefit from lower prices,
think again. The main benefactor 8 years from now would be corporate
shareholders, at a cost to the US government.


== 3 of 5 ==
Date: Sun, Nov 8 2009 10:33 am
From: "Rod Speed"


Ohioguy wrote:

> As I said, the upcoming and now delayed corporate tax change would have ENCOURAGED companies to send jobs overseas and
> build plants out of the country.

Wont make any difference in practice, because they do
that because of the massive difference in labor costs.

> Now that change will not occur for another 8 years. So there are no changes in the short term.

And even you should have noticed that few low
cost consumer goods are made in the US anymore.

> If you actually thought that we would benefit from lower prices,

Corse we do.

> think again.

No need, I know we do.

> The main benefactor 8 years from now would be corporate shareholders,

Pig ignorant lie. The hordes that buy low priced consumer goods ALL benefit dramatically.

> at a cost to the US government.


== 4 of 5 ==
Date: Sun, Nov 8 2009 11:01 am
From: "Malcom \"Mal\" Reynolds"


In article
<7ln6cuF3d7qj2U1@mid.individual.net>,
"Rod Speed" <rod.speed.aaa@gmail.com>
wrote:

> Ohioguy wrote:
>
> >> Having kids does not guarantee that they will help you.
>
> > I much prefer the Amish method in some ways. When the Amish parents get
> > old enough, their house goes to a child or
> > grandchild. (they typically have 6 or 7 kids) Then one of their kids
> > builds on an addition to their house, called the
> > "doddering house". The parents move in to spend their old age there.
> > While they are still able, they help with the
> > grandkids, chores around the house, etc. Later, their kids and grandkids
> > help take care of them. It also ensures
> > that family history and beliefs get passed down.
>
> No it doesnt. Hordes of them give up on that way of life instead.
>
> They're dying out.

That must be the australian Amish

Population Trends 1992-2008
Sixteen-Year Highlights

Population. In the 16-year period from
1992 to 2008, the Amish of North America
show an overall estimated population
growth of 84 percent, increasing from
125,000 in 1992 to 231,000 in 2008.
(Figures include adults and children.)
This pattern of vigorous growth reflects
the group¹s longer term trend of
doubling about every 20 years. See
Population Change 1992-2008 tables for
details.

States. Amish communities appear in 27
states and the Canadian province of
Ontario. Over the 16-year period, six
new states (Arkansas, Colorado, Maine,
Mississippi, Nebraska, and West
Virginia) welcomed Amish residents.
However, the newcomer states have a
total of just 13 districts
(congregations)‹less than 1 percent of
the total 1,710 districts in 2008.

Settlements. In the 16-year period, the
Amish show a net gain of 184 settlements
(geographical communities). This is an
increase of 81 percent, from 226
settlements in 1992 to 410 in 2008. New
settlements are typically small with a
few families in one congregation
(district). Older settlements such as
that in the Holmes County, Ohio, area
include over 200 districts. Larger
settlements may have several different
subgroups (affiliations), whereas
smaller settlements typically have just
one subgroup.

Districts. The number of local districts
(congregations of 20 to 35 families)
grew from 929 to 1,710, an increase of
781 (84 percent) in the 16-year period.
See Population Change 1992-2008 summary
tables for details.

Big Three States. Historically, Ohio,
Pennsylvania, and Indiana have claimed
about two thirds of the North American
Amish population. Their share of the
Amish pie declined since 1992, from 69
percent to 63 percent in 2008. All three
of them (Ohio: 60 percent, Indiana: 72
percent, Pennsylvania: 73 percent) had a
lower rate of increase than the
state/provincial average of 84 percent.

High Growth States. Ten states enjoyed
increases over 100 percent in their
Amish population during the 16-year
period: Virginia (400 percent), Kentucky
(200 percent), Minnesota (156 percent),
New York (150 percent), Montana (150
percent), Kansas (140 percent), Illinois
(133 percent), Missouri (131 percent),
Wisconsin (117 percent), and Tennessee
(117 percent). All of these statewide
increases were above the
state/provincial average of 84 percent.

Slow Growth States. Several states had
sluggish growth, significantly below the
country-wide average of 85 percent:
Maryland (67 percent), Oklahoma (25
percent), and Delaware (13 percent).
Texas, with three districts in 1992,
dropped to one in 2008, a decline of 67
percent.

Reasons for Population Growth. The
primary forces driving the growth are
sizeable nuclear families (five or more
children on average) and an average
retention rate (Amish children who join
the church as young adults) of 85
percent or more. A few outsiders
occasionally join the Amish, but the
bulk of the growth is from within their
own community.

Reasons for New Settlement Growth. The
Amish establish new settlements in
states that already have Amish
communities as well as in ³new² states
for a variety of reasons that may
include: 1) fertile farmland at
reasonable prices, 2) non-farm work in
specialized occupations, 3) rural
isolation that supports their
traditional, family-based lifestyle, 4)
social and physical environments
(climate, governments, services,
economy) conducive to their way of life,
5) proximity to family or other similar
Amish church groups, and sometimes to 5)
resolve church or leadership conflicts.

Notes:

1. Population figures (which include
adults and children) are estimates
calculated by using a conservative
average of 135 people per church
district. The number of people per
district varies by region, community,
affiliation, and age of the district;
therefore, the actual number of people
in a specific district may be higher or
lower than the average used in these
tables. Population estimates are rounded
to the nearest 1,000.

2. The data includes all Amish groups
(Old Order and New Order) that use
horse-and-buggy transportation, but
excludes car-driving groups such as the
Beachy Amish and Amish Mennonites.

3. Stephen Scott, Young Center for
Anabaptist and Pietist Studies, gathered
and compiled the data.

Sources: For 1992 data, David Luthy in
Kraybill and Olshan, eds., The Amish
Struggle with Modernity (Hanover, NH:
University Press of New England, 1994),
243-259. For 2008 data, The Young Center
for Anabaptist and Pietist Studies.

To cite this page: ³Amish Population
Growth 1992-2008 Highlights.² Young
Center for Anabaptist and Pietist
Studies, Elizabethtown College.
http://www2.etown.edu/amishstudies/Popula
tion_Trends_1992_2008.asp
.
Save This Page

>
> > Plus, there are no huge health care bills for a nursing home, and no
> > expectations for sending people away when they
> > become a burden.
>
> It doesnt always work out like that.
>
> > The parents took care of the kids when they had to be fed all the time, had
> > to have diapers
> > changed, and all of that. The roles reverse when the parents need those
> > same things later on.
>
> It doesnt always work out like that.
>
> In spades with the hordes that decide that the amish way of life is not for
> them.


== 5 of 5 ==
Date: Sun, Nov 8 2009 11:47 am
From: Les Cargill


Ohioguy wrote:
> > You really don't mind that your perceived windfall is someone
> >else's money?
>
> Nope. The money in question - that being used to fund the new $6,500
> home tax credit - comes not from anyone's personal income taxes.
> Instead, it comes from pushing back a change in corporate taxes that was
> supposed to take effect next year, and pushing back that change another
> 8 years or so.
>
> In other words, the bill was supposed to make it so that companies
> that had moved facilities overseas, and were paying taxes there and
> here, were able to deduct the taxes they paid to foreign governments,
> and lessen their corporate US taxes. Instead, they won't be able to
> take that deduction for another several years, and will continue paying
> the same US tax rate they have been for now.
>
> I don't see it as such a bad thing, because it lessens the benefits of
> building a plant elsewhere or sending jobs overseas for a while longer.

But that cost will be passed on in the price of goods. Sure, this is
a "hall of mirrors" of subsidies, but that's the net effect of this
one change.

And the overseas plant is so incredibly subsidized already....

--
Les Cargill

==============================================================================
TOPIC: VERY NICE
http://groups.google.com/group/misc.consumers.frugal-living/t/84dad1ffb3bc1701?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Nov 8 2009 1:11 am
From: arunagiri


misc . consumers . frugal-living ... Find or start a Google Group
about frugal-living. ... Mother Earth News website, frugal. 11 new of
11 - Oct 30 ...

FOR MORE INFO:

WEBPAGE ---> http://123maza.com/1011/niveya/

== 2 of 2 ==
Date: Sun, Nov 8 2009 1:13 am
From: arunagiri


misc . consumers . frugal-living ... Find or start a Google Group
about frugal-living. ... Mother Earth News website, frugal. 11 new of
11 - Oct 30 ...


FOR MORE INFO:

WEBPAGE ---> http://123maza.com/1011/niveya/

==============================================================================
TOPIC: Definitions of Frugality
http://groups.google.com/group/misc.consumers.frugal-living/t/4db20ff0fb8d6fd6?hl=en
==============================================================================

== 1 of 3 ==
Date: Sun, Nov 8 2009 1:15 am
From: Gordon


"Rod Speed" <rod.speed.aaa@gmail.com> wrote in
news:7lkqvsF3cp85uU1@mid.individual.net:

> Gordon wrote
>> Rod Speed <rod.speed.aaa@gmail.com> wrote
>
>>>>>> Cutting off the satellite for television was not a major loss.
>>>>>> Frugality kicked in. We dropped the satellite feed.
>
>>>>> So now you have nothing for real news and current affairs.
>
>>>> Internet.
>
>>> You dont know that she bothers and thats not as good anyway,
>>> particularly with docos etc.
>
>> docos?
>
> Documentarys.
>
>> I have never considered TV to be a necessary source of news and
>> information.
>
> Never said it was.
>
>> Besides the internet, there is also radio and the news paper.
>
> And you dont know that she bothers with either.
>

I'm just saying that those sources are available. unless she
weighs in, neither of us will know what she does or does not
bother with. You can lead a horse to water...

This is all getting rather pointless. The fact is that there
are 4 good sources of news and current events. Just because
an individual has cut themselves off from one of those sources
does not mean they are deprived of all news and current events.


== 2 of 3 ==
Date: Sun, Nov 8 2009 1:41 am
From: "Rod Speed"


Gordon wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote
>> Gordon wrote
>>> Rod Speed <rod.speed.aaa@gmail.com> wrote

>>>>>>> Cutting off the satellite for television was not a major loss.
>>>>>>> Frugality kicked in. We dropped the satellite feed.

>>>>>> So now you have nothing for real news and current affairs.

>>>>> Internet.

>>>> You dont know that she bothers and thats not as good anyway, particularly with docos etc.

>>> docos?

>> Documentarys.

>>> I have never considered TV to be a necessary source of news and information.

>> Never said it was.

>>> Besides the internet, there is also radio and the news paper.

>> And you dont know that she bothers with either.

> I'm just saying that those sources are available.

You dont know she bothers with either.

> unless she weighs in, neither of us will know what she does or does not bother with.

Its obvious that she's terminally pig ignorant, so she clearly doesnt, or
at least bothers with either that are other than steaming turds, anyway.

> You can lead a horse to water...

Indeed, but if there is no water available...

> This is all getting rather pointless.

Yep, you havent contributed a damned thing.

> The fact is that there are 4 good sources of news and current events.

You dont know she bothers with any of them, or than all 4 are available to her either.

> Just because an individual has cut themselves off from one of those
> sources does not mean they are deprived of all news and current events.

Having fun thrashing that straw man ?


== 3 of 3 ==
Date: Sun, Nov 8 2009 10:19 am
From: Les Cargill


Vandy Terre wrote:
<snip>
>
> Another place I see a lot of money wasted is at the grocery. Luncheon meat is
> expensive and usually heavier in fat than home cooked meat. Look at the price
> per pound on a whole frozen turkey and compare it to turkey luncheon meat. Is
> it really that hard to home cook the turkey, bone it, and slice it?

It may well be. How many hours does this represent? What's your
marginal rate ( assuming you can sell labor instead of consuming it
yourself)?

> Besides
> that luncheon meat does not come with separated dark/ light meat or organ meat.
> Look at the price of a whole ham verses luncheon meat. Most groceries will
> slice the ham for you. I have the ham sliced at the grocery, take it home, wrap
> it for freezing and then it is used as needed with out spoilage.
>

Right now, Wally World has $3.00 7 oz packages of thin sliced meat. I go
through a couple of those per week. It's hardly worth squeezing a buck
or two out of my weekly budget with something packaged differently.

--
Les Cargill

==============================================================================
TOPIC: Cat gets sick with swine flu
http://groups.google.com/group/misc.consumers.frugal-living/t/2289a6b8597336e3?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Nov 8 2009 5:42 am
From: "mr.smartypants"


In article <4af645b0$1@news.x-privat.org>,
"dejablues" <dejablues@comcast.net> wrote:

> "zeez" <blinkingblythe01@gmail.com> wrote in message
> news:7b3e6a71-486e-4887-9433-ebf1e56f57c8@h14g2000pri.googlegroups.com...
> > This can get really bad.....
>
> DO you have cats?

well, cats have you.
--
money; what a concept!

==============================================================================
TOPIC: Fire starting "kit"
http://groups.google.com/group/misc.consumers.frugal-living/t/845e81d6789435fc?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Nov 8 2009 5:46 am
From: "mr.smartypants"


In article <67hbf5tmb03pno9ko9dc49erla14go3jpl@4ax.com>,
Vandy Terre <vandy@tanglewood-destiny.com> wrote:

> On Thu, 05 Nov 2009 21:07:45 -0800, rocket scientist <georgespamk@toast.net>
> wrote:
>
> >To get the wood stove started in the morning I prepare ahead of time a
> >paper bag that contains. some saw-dust, a piece of cardboard,some
> >kindling ,newspaper & maybe a piece of egg carton.
> >it sure gets the flue up to speed, pronto.
>
> I wish I had paper bags to use. I use the plastic bags from shopping. With
> a
> hot enough fire there is little to no flue problems. We tend to run the fire
> hot if at all.
>
> Fire starter bags here tend to contain the litter of bark from the log rack,
> shredded junk mail, pinecones and some times old candle bits or crayons.
> Here
> in Georgia there is much pine growth. We use the pine for short hot fires or
> as
> kindling. This gives a hot enough start to burn the hard woods readily.
>
> Summers here are on the hot side. I keep the air conditioning up to 80f so
> we
> can handle going outside and working. In the winter we can add clothing
> layers
> as needed to handle the cold outside. The house is kept at near 80f or above
> so
> that summers are not so hard to adapt. Wood is free for us other than the
> cost
> of cutting, splitting and carrying it to the house. Average heating bill is
> $250 a winter, that includes purchase/ repair/ fuel for the chain saw and
> wood
> splitter.

sounds like you got it down.
we too get free wood, well, getting it and cuts/splitting down warm you
thrice.
we are in northern CA and there is no need for AC. we do have a Swamp
Cooler, but rarely use it. Ceiling fans are just fine.
Have a warm winter. and Enjoy !
--
money; what a concept!

==============================================================================
TOPIC: The Neti Pot
http://groups.google.com/group/misc.consumers.frugal-living/t/38309cd808fb6bc2?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Nov 8 2009 5:51 am
From: "mr.smartypants"


now that the "flu" season is upon us, Let me recommend the "Neti Pot"
It's a nasal irrigation system that helps keep the nasal passages clear
and somewhat protected from bacteria. We love our Neti pot. and no, we
don't own the company.
and I'm sure the really Frugal can find a tea pot at a yard sale that
would work as well.
stay happy & healthy.
OK
--
money; what a concept!

==============================================================================
TOPIC: Subsidy Nonsense Yet Again
http://groups.google.com/group/misc.consumers.frugal-living/t/dff28f482d02ae5c?hl=en
==============================================================================

== 1 of 4 ==
Date: Sun, Nov 8 2009 8:10 am
From: krw


On Sun, 08 Nov 2009 01:54:14 -0500, Les Cargill
<lcargill99@comcast.net> wrote:

>Jym Dyer wrote:
>>>> = Scott in SoCal
>>> = Rod Speed
>>
>>>> Transit only *seems* more expensive because it is subsidized
>>>> LESS than automobiles are.
>>> Wrong. There are plenty of situations where the cheapest
>>> cars are cheaper than the worst mass transit available and
>>> the cheapest cars arent subsidized by anyone.
>>
>> =v= I understand that the vast and Rube Goldbergesque array
>> of funding serves to keep most of us from thinking about the
>> true cost of driving.
>>
>
>??? The roads are financed by fuel taxes. It hardly looks
>very opaque, and people have done multiple studies.

...and those fuel taxes are often tapped as a convenient source of
income for all sorts of social engineering, like "public" transit.

>The only thing we really don't know is the true cost
>of a barrel of oil. We do know the market price of it.

Often the kitchen sink is thrown at the "true cost" by lunatics
pushing their collectivist propaganda.

>> =v= The laws of physics are less complicated. Dragging one
>> or more tons of steel and plastic and toxics per person is
>> going to involve more resources, no matter how accountants
>> distribute the numbers. When point A and point B are so much
>> further apart because so much land area is devoted to cars
>> (whether they're driving, speeding, or parking), that, too,
>> is going to involve more resources. Paving all that land
>> area? Yep, more resources all over again, plus the const of
>> maintaining it all.
>>
>
>But cars enable people to use land they wouldn't otherwise
>be able to. What we see with public transport is that it never
>makes money.

Right. Now imagine a society where land barons or evil corporations
own the tenements were *everyone* is forced to live. I rather like
the idea of owning my own home.

>> =v= You can shuffle the finances around as if you're playing
>> 3-Card Monte, but eventually there's a bottom line involved,
>> and guess what? You lose.
>> <_Jym_>

More collectivist tripe.


== 2 of 4 ==
Date: Sun, Nov 8 2009 10:13 am
From: Les Cargill


krw wrote:
> On Sun, 08 Nov 2009 01:54:14 -0500, Les Cargill
> <lcargill99@comcast.net> wrote:
>
>> Jym Dyer wrote:
>>>>> = Scott in SoCal
>>>> = Rod Speed
>>>>> Transit only *seems* more expensive because it is subsidized
>>>>> LESS than automobiles are.
>>>> Wrong. There are plenty of situations where the cheapest
>>>> cars are cheaper than the worst mass transit available and
>>>> the cheapest cars arent subsidized by anyone.
>>> =v= I understand that the vast and Rube Goldbergesque array
>>> of funding serves to keep most of us from thinking about the
>>> true cost of driving.
>>>
>> ??? The roads are financed by fuel taxes. It hardly looks
>> very opaque, and people have done multiple studies.
>
> ...and those fuel taxes are often tapped as a convenient source of
> income for all sorts of social engineering, like "public" transit.
>

Well, I don't particularly have a serious problem with that. If
you can conform to bus schedules and it saves you scarce cash,
I'm willing to subsidize that some.

>> The only thing we really don't know is the true cost
>> of a barrel of oil. We do know the market price of it.
>
> Often the kitchen sink is thrown at the "true cost" by lunatics
> pushing their collectivist propaganda.
>

Heh. That certainly doesn't help. Pigovian taxes are well-understood
by The Right People, but look at how looney the debates over
carbon offsets are.

>>> =v= The laws of physics are less complicated. Dragging one
>>> or more tons of steel and plastic and toxics per person is
>>> going to involve more resources, no matter how accountants
>>> distribute the numbers. When point A and point B are so much
>>> further apart because so much land area is devoted to cars
>>> (whether they're driving, speeding, or parking), that, too,
>>> is going to involve more resources. Paving all that land
>>> area? Yep, more resources all over again, plus the const of
>>> maintaining it all.
>>>
>> But cars enable people to use land they wouldn't otherwise
>> be able to. What we see with public transport is that it never
>> makes money.
>
> Right. Now imagine a society where land barons or evil corporations
> own the tenements were *everyone* is forced to live. I rather like
> the idea of owning my own home.
>

Exactly. Although it's probably more frugal to rent, unless you can
really sock in a good down payment.

If real estate regresses to its utility value rather than its
speculative value, that's different. You just don't wanna be the greater
sucker.

>>> =v= You can shuffle the finances around as if you're playing
>>> 3-Card Monte, but eventually there's a bottom line involved,
>>> and guess what? You lose.
>>> <_Jym_>
>
> More collectivist tripe.

--
Les Cargill


== 3 of 4 ==
Date: Sun, Nov 8 2009 10:28 am
From: krw


On Sun, 08 Nov 2009 13:13:13 -0500, Les Cargill
<lcargill99@comcast.net> wrote:

>krw wrote:
>> On Sun, 08 Nov 2009 01:54:14 -0500, Les Cargill
>> <lcargill99@comcast.net> wrote:
>>
>>> Jym Dyer wrote:
>>>>>> = Scott in SoCal
>>>>> = Rod Speed
>>>>>> Transit only *seems* more expensive because it is subsidized
>>>>>> LESS than automobiles are.
>>>>> Wrong. There are plenty of situations where the cheapest
>>>>> cars are cheaper than the worst mass transit available and
>>>>> the cheapest cars arent subsidized by anyone.
>>>> =v= I understand that the vast and Rube Goldbergesque array
>>>> of funding serves to keep most of us from thinking about the
>>>> true cost of driving.
>>>>
>>> ??? The roads are financed by fuel taxes. It hardly looks
>>> very opaque, and people have done multiple studies.
>>
>> ...and those fuel taxes are often tapped as a convenient source of
>> income for all sorts of social engineering, like "public" transit.
>>
>
>Well, I don't particularly have a serious problem with that. If
>you can conform to bus schedules and it saves you scarce cash,
>I'm willing to subsidize that some.

Why? Shouldn't public transportation's pay its costs? If it's
better, shouldn't this be easy? If it's not, why have it at all.

>>> The only thing we really don't know is the true cost
>>> of a barrel of oil. We do know the market price of it.
>>
>> Often the kitchen sink is thrown at the "true cost" by lunatics
>> pushing their collectivist propaganda.
>>
>
>Heh. That certainly doesn't help. Pigovian taxes are well-understood
>by The Right People, but look at how looney the debates over
>carbon offsets are.

Sure. Like the "health care" debate, the real issue is taxes. A
higher income tax isn't going to work. The states have maxed out
sales and property taxes. The direct taxes are all maxed out. The
only thing left are "hidden" taxes, which is exactly what "health
care" and "cap and tax" are all about. The loony left loves to tax
the productive into the unproductive so they can be controlled.

>>>> =v= The laws of physics are less complicated. Dragging one
>>>> or more tons of steel and plastic and toxics per person is
>>>> going to involve more resources, no matter how accountants
>>>> distribute the numbers. When point A and point B are so much
>>>> further apart because so much land area is devoted to cars
>>>> (whether they're driving, speeding, or parking), that, too,
>>>> is going to involve more resources. Paving all that land
>>>> area? Yep, more resources all over again, plus the const of
>>>> maintaining it all.
>>>>
>>> But cars enable people to use land they wouldn't otherwise
>>> be able to. What we see with public transport is that it never
>>> makes money.
>>
>> Right. Now imagine a society where land barons or evil corporations
>> own the tenements were *everyone* is forced to live. I rather like
>> the idea of owning my own home.
>>
>
>Exactly. Although it's probably more frugal to rent, unless you can
>really sock in a good down payment.

Not the point. Do you think everyone can afford rent if *everyone* is
forced to live within the bounds of public transportation. How many
can afford to live in Manhattan? Now double that.

Back to your point. You will never save a "decent" down payment
renting from the only game in town. Even with this recession, a home
is still the way to long-term financial security.

>If real estate regresses to its utility value rather than its
>speculative value, that's different. You just don't wanna be the greater
>sucker.

Sure. That's why I don't speculate with housing. I live in it. The
equity in my house isn't income either.

>>>> =v= You can shuffle the finances around as if you're playing
>>>> 3-Card Monte, but eventually there's a bottom line involved,
>>>> and guess what? You lose.
>>>> <_Jym_>
>>
>> More collectivist tripe.


== 4 of 4 ==
Date: Sun, Nov 8 2009 11:46 am
From: Les Cargill


krw wrote:
> On Sun, 08 Nov 2009 13:13:13 -0500, Les Cargill
> <lcargill99@comcast.net> wrote:
>
>> krw wrote:
>>> On Sun, 08 Nov 2009 01:54:14 -0500, Les Cargill
>>> <lcargill99@comcast.net> wrote:
>>>
>>>> Jym Dyer wrote:
>>>>>>> = Scott in SoCal
>>>>>> = Rod Speed
>>>>>>> Transit only *seems* more expensive because it is subsidized
>>>>>>> LESS than automobiles are.
>>>>>> Wrong. There are plenty of situations where the cheapest
>>>>>> cars are cheaper than the worst mass transit available and
>>>>>> the cheapest cars arent subsidized by anyone.
>>>>> =v= I understand that the vast and Rube Goldbergesque array
>>>>> of funding serves to keep most of us from thinking about the
>>>>> true cost of driving.
>>>>>
>>>> ??? The roads are financed by fuel taxes. It hardly looks
>>>> very opaque, and people have done multiple studies.
>>> ...and those fuel taxes are often tapped as a convenient source of
>>> income for all sorts of social engineering, like "public" transit.
>>>
>> Well, I don't particularly have a serious problem with that. If
>> you can conform to bus schedules and it saves you scarce cash,
>> I'm willing to subsidize that some.
>
> Why? Shouldn't public transportation's pay its costs? If it's
> better, shouldn't this be easy? If it's not, why have it at all.
>

Because people simply don't choose to be disabled or poor
enough to need public transport. I'm not willing to write
those people off. Can private efforts replace public
transport? I don't know.

Schumpeterien forces make it harder for the least of us
to compete. That places the burden of care for them
somewhat on the winners. We all reap the benefits of
creative destruction; expecting people to simply cope
doesn't seem realistic.

>>>> The only thing we really don't know is the true cost
>>>> of a barrel of oil. We do know the market price of it.
>>> Often the kitchen sink is thrown at the "true cost" by lunatics
>>> pushing their collectivist propaganda.
>>>
>> Heh. That certainly doesn't help. Pigovian taxes are well-understood
>> by The Right People, but look at how looney the debates over
>> carbon offsets are.
>
> Sure. Like the "health care" debate, the real issue is taxes. A
> higher income tax isn't going to work.

It might. Our galloping deficits are going to work less.

> The states have maxed out
> sales and property taxes. The direct taxes are all maxed out. The
> only thing left are "hidden" taxes, which is exactly what "health
> care" and "cap and tax" are all about. The loony left loves to tax
> the productive into the unproductive so they can be controlled.
>

Check the CBO figures on what the Bush tax cuts have done to the
deficits. It would be irresponsible to continue them on a linear
projected basis, unless we're prepared to abandon deficit spending
altogether.

Never mind the sheer level of direct, unfiltered subsidy to the
last bunch of "masters of the universe". Free market? Not
even close. Greenspan's mea culpa last year pretty much
ended all that. he'd held that belief apparently since
writing an Objectivist paper in 1963.

Again, the problem with Capitalism is still Capitalists - or
fratboy capitalist wannabees. You can't observe this phenomenon
and still claim the high moral ground.

>>>>> =v= The laws of physics are less complicated. Dragging one
>>>>> or more tons of steel and plastic and toxics per person is
>>>>> going to involve more resources, no matter how accountants
>>>>> distribute the numbers. When point A and point B are so much
>>>>> further apart because so much land area is devoted to cars
>>>>> (whether they're driving, speeding, or parking), that, too,
>>>>> is going to involve more resources. Paving all that land
>>>>> area? Yep, more resources all over again, plus the const of
>>>>> maintaining it all.
>>>>>
>>>> But cars enable people to use land they wouldn't otherwise
>>>> be able to. What we see with public transport is that it never
>>>> makes money.
>>> Right. Now imagine a society where land barons or evil corporations
>>> own the tenements were *everyone* is forced to live. I rather like
>>> the idea of owning my own home.
>>>
>> Exactly. Although it's probably more frugal to rent, unless you can
>> really sock in a good down payment.
>
> Not the point. Do you think everyone can afford rent if *everyone* is
> forced to live within the bounds of public transportation. How many
> can afford to live in Manhattan? Now double that.
>

No, not at all. My point still stands - the greatest value of
cars is the ability to shift the balance of power in land rents.

> Back to your point. You will never save a "decent" down payment
> renting from the only game in town. Even with this recession, a home
> is still the way to long-term financial security.
>

Bollocks. That's the fairy story. Do the math yourself - if and
only if you can *actually afford it* - the TCO of ownership is
strictly less than renting - is it more frugal. What people do
is chase the tax break and pretend it's making them money. Well,
the marginal rate is still far less than 100%, no matter what.

This does not mean there are no strategies where home ownership is
more frugal - just that one must prepare for it properly.

Right now, the way prices are plummeting - it's a good
time to transition to owning, assuming you have stable income.
But what most people forget is all the peripheral cost of
ownership.

>> If real estate regresses to its utility value rather than its
>> speculative value, that's different. You just don't wanna be the greater
>> sucker.
>
> Sure. That's why I don't speculate with housing. I live in it. The
> equity in my house isn't income either.
>

but if you're in a market that is dominated *by* speculation,
the only way to win is not to play.

<snip>

--
Les Cargill

==============================================================================
TOPIC: resurfacing/sealing driveway - looking for grey color, not black
http://groups.google.com/group/misc.consumers.frugal-living/t/1b22c0e95f812800?hl=en
==============================================================================

== 1 of 1 ==
Date: Sun, Nov 8 2009 9:14 am
From: Ohioguy


We are buying a place that under the terms of the HUD inspection, has
a driveway that has to be repaired or resurfaced. My wife and I took a
look at it, and since we both grew up in places that had gravel
driveways, we thought it looked fine. I would much prefer a stone
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Although the HUD inspection estimated that this needs $1,500 worth of
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Here's a photo:
http://i38.tinypic.com/jktycy.jpg

Neither my wife nor I like the dark black color that is used to seal
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improvement centers don't seem to have anything other than dark black.
My searches online also have not been fruitful in this regard.

Can anyone recommend a high quality resurfacer/sealer that we could
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==============================================================================
TOPIC: Dustmites Mold Common House Dust
http://groups.google.com/group/misc.consumers.frugal-living/t/29197a5eef382b22?hl=en
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== 1 of 2 ==
Date: Sun, Nov 8 2009 9:42 am
From: Americlense


Is your home and office full of dust, dustmites, mold and common house
dust. We have the solution to your problems. Contact us to to find a
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== 2 of 2 ==
Date: Sun, Nov 8 2009 10:36 am
From: "Rod Speed"


Americlense wrote:

> Is your home and office full of dust, dustmites, mold and common house dust.

Yes.

> We have the solution to your problems.

I dont have a problem.

==============================================================================
TOPIC: Durabrand dvd players going up in flames
http://groups.google.com/group/misc.consumers.frugal-living/t/7cfa41e7d595e069?hl=en
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== 1 of 1 ==
Date: Sun, Nov 8 2009 9:54 am
From: rincewind


On Oct 24, 6:13 pm, RichA <rander3...@gmail.com> wrote:
> On Oct 24, 3:41 pm, enough <blinkingblyth...@gmail.com> wrote:
>
> >http://www.cpsc.gov/cpscpub/prerel/prhtml09/09335.html
>
> $40 DVD players are a waste of money.  They don't even last a year,
> their output is TRASH.

Mine's about three years old, still works fine, hasn't caught on fire.
Your logic is in doubt.

==============================================================================
TOPIC: Finally the answers you have wanted are available...
http://groups.google.com/group/misc.consumers.frugal-living/t/cd34c8733e96ff67?hl=en
==============================================================================

== 1 of 2 ==
Date: Sun, Nov 8 2009 10:07 am
From: me@privacy.net


"Rod Speed" <rod.speed.aaa@gmail.com> wrote:

>Nope. It it gets too uppity, I beat it to death with the largest waddy I can find.
>http://en.wikipedia.org/wiki/Waddy

I'm curious Rod... have you ever been to the Nullabor
region?


== 2 of 2 ==
Date: Sun, Nov 8 2009 10:38 am
From: "Rod Speed"


me@privacy.net wrote
> Rod Speed <rod.speed.aaa@gmail.com> wrote

>> Nope. It it gets too uppity, I beat it to death with the largest waddy I can find.
>> http://en.wikipedia.org/wiki/Waddy

> I'm curious Rod...

Dont forget what that did to the cat...

> have you ever been to the Nullabor region?

Nope, but I do 'live' in a semi desert region well east of there.

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TOPIC: (www.keephotsell.com) cheap Ato Matsumoto shoes
http://groups.google.com/group/misc.consumers.frugal-living/t/12702ddd0b9d5511?hl=en
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