http://groups.google.com/group/misc.consumers.frugal-living?hl=en
misc.consumers.frugal-living@googlegroups.com
Today's topics:
* If you were me would you have a will ? - 3 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/0aa571729523508e?hl=en
* Hi Guys - 3 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/0e7c07d3bbdb8308?hl=en
* Silver Certificates , what are they "worth" - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/fbb23ab177fa4f94?hl=en
* What abt DealExtreme.com GSM cell phones? - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/705183d1180e5abd?hl=en
* Are we like monkeys or are monkeys like us? - 2 messages, 2 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/313c99e23a654422?hl=en
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TOPIC: If you were me would you have a will ?
http://groups.google.com/group/misc.consumers.frugal-living/t/0aa571729523508e?hl=en
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== 1 of 3 ==
Date: Sat, Mar 6 2010 10:47 am
From: George
On 3/5/2010 2:48 PM, SkyEyes wrote:
> On Mar 5, 7:46 am, Dangerous Nonconformist
> <danger...@nonconformist.c0m> wrote:
>> George wrote:
>>> I have been an executor and it really isn't a major event.
>>
>> LEGAL MURDERERERER!!!!
>
> <<<<<<<<<<<<<<<<<<<<<<<<<SMACK>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
> An "executor" is not the same thing as an "executioner," shit-for-
> brains. Try www.dictionary.com to find out how they differ in
> meaning.
>
> Jaysus. They're getting stupider by the *minute*.
>
> Brenda Nelson, A.A.#34
> BAAWA Knight
> EAC Professor of Feline Thermometrics and Cat-Herding
> skyeyes nine at cox dot net
Have the drugs worn off yet?
== 2 of 3 ==
Date: Sat, Mar 6 2010 12:52 pm
From: chrisj.doran@proemail.co.uk
On 4 Mar, 17:43, "Ret." <xxx> wrote:
> Mrcheerful wrote:
> > john mayfield wrote:
> >> I keep hearing that I should write a will. I'm 65 years old , living
> >> in a small terraced house in North London (u.k.) together with wife
> >> 61 years old and son 29 years old.
>
> >> The house is worth about just under 300K which is below the
> >> inheritence threshold and is owned jointly (tenants in common) with
> >> my wife. My total savings are small.
>
> >> When I die I would wish to leave it all the wife, and any amount to
> >> my son that enables him not to pay any inheritance tax.
>
> >> I guess thats a fairly common kind of family situation, without any
> >> additional complications; so I thought it would be fairly easy to get
> >> advice on how to write a will.
>
> >> On google I can get up to 7 million returns on my searches, but
> >> everyone I've looked at wants to make money out giving any advice.
> >> With plenty of 'a bad will is worse than no will' kind of
> >> suggestions, thrown in.
> >> Is the advice that you *should* make a will really applicable to
> >> someone like myself? What would be any advantages to having a will?
>
> >> The nearest I have got so far to creating one is a bit of information
> >> I picked up, which says I can just write out roughly as follow:
>
> >> ----------------------------------------------------------------------------
>
> >> This will 'dated' .........by 'john........' of 'address'......
>
> >> I revoke all earlier wills and Codicils.
>
> >> I appoint as my executor and trustees my wife 'name'........ and my
> >> son .......
>
> >> I give my Estate and Possesions to my wife ............
>
> >> If she does not survive me I give my Estate and possisions to my son
> >> ......
> >> Signed by ............. John 'my name'
>
> >> In our presence and attested by us in his presence and in the
> >> presence of each other.
>
> >> Witness 1. signature......., full name ......
> >> address......occupation......
> >> Witness 2. signature......., full name ......
> >> address......occupation......
> >> ----------------------------------------------------------------------------
>
> >> Is this really all I need to do? In fact in my situation do I really
> >> even need to do this? Thanks for any advice.
>
> > for the pittance that you will be charged (about 75 quid) it is best
> > to have you and your wife's wills made up professionally, they will
> > think of aspects that you would not think of in a million years. and
> > it will speed everything up when you go.
>
> I wrote wills for my father and for my mother-in-law. They both sped through
> probate without a single problem. I have also written wills for myself and
> my wife and for my children.
>
> For people with simple affairs, wills are straightforward and easy to
> prepare. £75 for drawing one up (often simply adding personal details to a
> ready-prepared template) is outrageous.
>
> Kev
If you don't like paying money to a solicitor, there is a "Will Aid"
scheme in which some solicitors participate where you make a donation
to a charity instead. It only operates at certain times of the year --
Google indicates that the next period will be November 2010.
I concur with not appointing a solicitor or bank as executor. My
mother appointed the bank who charged a fortune and took a year to
sell the house (using their own estate agent subsidiary) at a time
when it was a seller's market.
Chris
== 3 of 3 ==
Date: Sat, Mar 6 2010 4:45 pm
From: Les Cargill
John Turner wrote:
> "Adrian" wrote
>
>> Because they charge money in return for performing their professional
>> services. It's what they do. It's why they exist.
>
> I exceuted my late father's will and my time totalled about twelve hours. I
> was told that the bank would have charged around �2k for what I did for
> nothing.
>
> John.
>
>
My parents executed my mom's brother's will, and it lasted for
months, required travel and a nontrivial amount of out of pocket
expense.
--
Les Cargill
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TOPIC: Hi Guys
http://groups.google.com/group/misc.consumers.frugal-living/t/0e7c07d3bbdb8308?hl=en
==============================================================================
== 1 of 3 ==
Date: Sat, Mar 6 2010 4:01 pm
From: we64
Hi Guys,
I just joined this group and wanted to let everyone know - looking
forward to hearing great things about how to become a frugalist.
== 2 of 3 ==
Date: Sat, Mar 6 2010 5:15 pm
From: "The Henchman"
"we64" <zhangtonyyaoyuan@gmail.com> wrote in message
news:9e7e7c30-64c0-4698-b526-64c8dffaf0c7@d27g2000yqf.googlegroups.com...
> Hi Guys,
>
> I just joined this group and wanted to let everyone know - looking
> forward to hearing great things about how to become a frugalist.
How's Scarboro these days?
== 3 of 3 ==
Date: Sat, Mar 6 2010 8:39 pm
From: we64
On Mar 6, 8:15 pm, "The Henchman" <y...@yup.org> wrote:
> "we64" <zhangtonyyaoy...@gmail.com> wrote in message
>
> news:9e7e7c30-64c0-4698-b526-64c8dffaf0c7@d27g2000yqf.googlegroups.com...
>
> > Hi Guys,
>
> > I just joined this group and wanted to let everyone know - looking
> > forward to hearing great things about how to become a frugalist.
>
> How's Scarboro these days?
Same as usual
==============================================================================
TOPIC: Silver Certificates , what are they "worth"
http://groups.google.com/group/misc.consumers.frugal-living/t/fbb23ab177fa4f94?hl=en
==============================================================================
== 1 of 1 ==
Date: Sat, Mar 6 2010 4:21 pm
From: Al
On Mar 4, 7:14 pm, "terrable" <terra...@terrable.net> wrote:
> "VFW" <george...@toast.net> wrote in message
>
> news:georgeswk-2F833E.21472403032010@news.toast.net...
>
> > Someone tried to sell me a dollar "Silver Certificate" insisting they
> > are worth more than a dollar. You can no longer trade them for silver.
> > what would one be worth. What, they were last printed in 1934?
> > --
> > Money; What a Concept !
>
> Last series for the $1 Silver Certificate was 1957B printed in 1964.
>
> Redemption in silver ended in 1968.
>
> Unless it is in excellent condition it is not worth more than $1.
Sure it's in great shape. It's the first dollar he earned, borrowed,
purloined or was gifted.
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TOPIC: What abt DealExtreme.com GSM cell phones?
http://groups.google.com/group/misc.consumers.frugal-living/t/705183d1180e5abd?hl=en
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== 1 of 2 ==
Date: Sat, Mar 6 2010 5:09 pm
From: me@privacy.net
SMS <scharf.steven@geemail.com> wrote:
>Sure the iPhone has WiFi. Look on craigslist for unlocking services.
Wow I didn't know that! Thought it was purposely made
by Apple to lack wifi.
>It's amazing how well the old iPhones hold their value. Probably because
>even without the phone part it's essentially an iPod Touch with a camera
>and a good toy.
Good point!
== 2 of 2 ==
Date: Sat, Mar 6 2010 11:39 pm
From: Shawn Hirn
In article <4b929dc3$0$1581$742ec2ed@news.sonic.net>,
SMS <scharf.steven@geemail.com> wrote:
> me@privacy.net wrote:
> > SMS <scharf.steven@geemail.com> wrote:
> >
> >> Personally I'd find a used 2G iPhone and get it unlocked so it'll work
> >> on T-Mobile. The original 2G iPhones are still around $200 used though.
> >
> >
> > Hmm.... good idea.... but how do you unlock one??
> >
> > Also, the Phone does NOT have WIFI, does it?
>
> Sure the iPhone has WiFi. Look on craigslist for unlocking services.
>
> It's amazing how well the old iPhones hold their value. Probably because
> even without the phone part it's essentially an iPod Touch with a camera
> and a good toy.
Actually, eCost.com frequently sells refurbished iPhones. Me should do a
google search with regard to unlocking them.
==============================================================================
TOPIC: Are we like monkeys or are monkeys like us?
http://groups.google.com/group/misc.consumers.frugal-living/t/313c99e23a654422?hl=en
==============================================================================
== 1 of 2 ==
Date: Sat, Mar 6 2010 9:45 pm
From: TheTibetanMonkey showing-the-path-of-enlightenment-in-the-jungle
In so many ways we are like monkeys... Take for example their "monkey
see monkey do" behavior. Everywhere you see it at work, specially
among the religious majority. Everybody repeats whatever the dominant
view of the world is, no matter how ridiculous it sounds. A few
question the "official view," but they find a lot of difficulty along
the way, often facing exclusion from the "troop."
Then the monkeys are like us too. They are curious, and are social
animals as well. They fight a lot too and have powerful leaders (alpha
males) that form political strategies to dominate the resources,
including the most sexy "ladies." Yes, monkeys can be sexy too...
http://sas.guidespot.com/bundles/guides_9w/assets/widget_aK9TkyZGXhpRnq6IKhlnte.jpg
Well, whether or not you agree with the monkeys being sexy, I'm sure
you can reach a verdict about who's more original, monkeys or us?
-----------------------------------------------------------------------------------------------
THE WISE TIBETAN MONKEYS HAS OBSERVED THIS BEHAVIOR IN THE JUNGLE:
"A lot of human behavior can be explained by the struggle for power
and sex, just like monkeys"
http://webspawner.com/users/BANANAREVOLUTION
== 2 of 2 ==
Date: Sat, Mar 6 2010 10:00 pm
From: "Rod Speed"
TheTibetanMonkey showing-the-path-of-enlightenment-in-the-jungle wrote:
> In so many ways we are like monkeys...
You might be, plenty arent.
> Take for example their "monkey see monkey do" behavior.
> Everywhere you see it at work, specially among the religious
> majority. Everybody repeats whatever the dominant view of
> the world is, no matter how ridiculous it sounds. A few
> question the "official view," but they find a lot of difficulty
> along the way, often facing exclusion from the "troop."
Not the ones that do it effectively.
> Then the monkeys are like us too. They are curious, and are social
> animals as well. They fight a lot too and have powerful leaders
> (alpha males) that form political strategies to dominate the resources,
> including the most sexy "ladies." Yes, monkeys can be sexy too...
Even monkeys are much more complicated than that.
> http://sas.guidespot.com/bundles/guides_9w/assets/widget_aK9TkyZGXhpRnq6IKhlnte.jpg
> Well, whether or not you agree with the monkeys being sexy, I'm sure
> you can reach a verdict about who's more original, monkeys or us?
> -----------------------------------------------------------------------------------------------
> THE WISE TIBETAN MONKEYS HAS OBSERVED THIS BEHAVIOR IN THE JUNGLE:
> "A lot of human behavior can be explained by
> the struggle for power and sex, just like monkeys"
And a hell of a lot more cannot. Have a look at Einstein and Darwin sometime.
> http://webspawner.com/users/BANANAREVOLUTION
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