Frugal Living: misc.consumers.frugal-living - 18 new messages in 11 topics

Tuesday, March 9, 2010

misc.consumers.frugal-living - 18 new messages in 11 topics - digest

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

misc.consumers.frugal-living@googlegroups.com

Today's topics:

==============================================================================
TOPIC: Christianity: Junk Food for the Soul?
http://groups.google.com/group/misc.consumers.frugal-living/t/7af25fe40a2f73f0?hl=en
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== 1 of 1 ==
Date: Mon, Mar 8 2010 4:03 pm
From: TheTibetanMonkey showing-the-path-of-enlightenment-in-the-jungle

On Mar 8, 1:38 pm, "IlBeBa...@gmail.com" <ilbeba...@gmail.com> wrote:
> On Mar 8, 2:16 pm, TheTibetanMonkey <comandante.ban...@yahoo.com>
> wrote:
>
>
>
>
>
> > Remember the books, "Chicken Soup for theSoul"? Given their
> > inclination tojunkfood, doesn't it sound like the Christians are
> > given tojunkfoodfor thesoul?
>
> > Man, EVERYTHING in this Christian world is REFINED, MANIPULATED &
> > PLASTIC! I was reading the other day how even the common salt is
> > refined to the point that it's totally empty of natural minerals, thus
> > just producing long agonizing illness. And they do it just to make it
> > look "white & pure." Nothing is sacred!
>
> > Add to the above that they are SEDENTARY by choice, and then you get a
> > "couch potato." I would assume their spiritual message is no less
> > empty of "substance," wouldn't you?
>
> >FOODFOR THOUGHT:
>
> > "Many people are surprised to see that unrefined raw sea salt is dark
> > in color. In fact, sea salt may come in a variety of colors. Different
> > salts will vary in the amount and types of minerals that it contains.
> > Because of this range, the salt will appear different colored
> > depending upon the source. Refined table salt is typically white and
> > dry, but this is not the case with unrefined raw sea salt. This salt
> > is moist from the amounts of minerals that it contains."
>
> >http://www.naturalorganiclifestyle.com/raw-unrefined-sea-salt.html
>
> > ------------------------------------------------------------
>
> > THE WISE TIBETAN MONKEY SAYS
>
> > "The revolution must come fully loaded with nutritious value andfood
> > for thought"
>
> >http://webspawner.com/users/BANANAREVOLUTION
>
> Its a shame you have that stereotype of Christians , for it is bred
> out of hostility toward God first and then those who follow and love
> him. Perhaps one day when you are old and debilitated in a State
> Nursing Home , it will be Christians who come to take an interest in
> you and help you somewhat emotionally --- can you see devout atheists
> stopping by out of compassion and concern ? The game of pretending
> there is no personal Creator for our personal Cosmos so one can live
> as he likes and not be owned, is what comes to mind of superficial
> things. Abandon being caught up in the web of self interests and
> come to realize your ultimate purpose in living..that is to know,
> love, and enjoy the Creator, your Creator. You wont be sorry but if
> you continue to stay on the wrong path, it can only end up with deep
> regret.- Hide quoted text -
>
> - Show quoted text -

If a Christian will tend for me in old age, it's because the Medical
Industry takes a big bite out of it while denying most mortals the
same benefits.

Actually you were quite indifferent to your president (GW Bush)
denying the same benefits to ALL children. And more chances than not,
you are OK with advertisers (read HUNGRY LIONS) preying on small
children, something already banned in Scandinavia.

But, of course, SCANDINAVIA IS A HUMANIST SOCIETY, and so is Holland
where the doctors do house calls. And you even fight Obama on the
grounds that he's a socialist for extending the healthcare to all.

You know what, the CHRISTIANS even sold my mom my own burial without
my consent. Yes, predation on old and young is perfectly legal! And
I'm looking for a way to feed the real predators (sharks* is my
favorite) with my body as if I care where I go after death. ANYTHING
but feeding the VULTURES in the Funeral Industry.

Perhaps I'll jump in the sea someday when I see the need for
euthanasia, so... the Christians will eat my money, but not my
banana. ;)

* I'm actually afraid of sharks while alive. I'm also afraid of SUVs.

---------------------------------------------------------------------

THE PERFECT METAPHOR!

Any change needs BIG NOISE, COORDINATION AND SOLIDARITY, not
unlike...

http://mybignoise.blogspot.com/2007/08/solidarity-law-of-jungle.html

==============================================================================
TOPIC: walking boots-- which are good?
http://groups.google.com/group/misc.consumers.frugal-living/t/52b4735386145e8e?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Mar 8 2010 4:48 pm
From: SMS

Michael Black wrote:

<snip>

> And your "Pro-Gore-Tex" isn't a religion?

No, it's based on facts. It's like evolution versus creationism.

I'm using "Gore-Tex" loosely though, it could be one of several other
waterproof, breathable membranes. I've had garments with several
different types, and all work pretty much the same. Gore-Tex tends to
work better because they've been refining it for so many decades,
working out the kinks in terms of reliability and longevity.

For "eVent" (used in the Rab Momentum) versus Gore-Tex, Gore-Tex moves
moisture out through the membrane a tad faster (based on tests), but
both are equally waterproof. I would not choose one over the other based
on the slight breathability advantage of Gore-Tex, I'd let the rest of
the design features (and cost) of the garment or footwear determine
which one to choose.

For full grain leather boots you can achieve water-proofing with a
product like Sno-Seal which closes all the pores in the leather, but it
effectively stops any transfer of moisture. For other boots (fabric,
split grain leather, or Nubuck, you definitely want to have some sort of
waterproof breathable membrane if you're going to wear them in wet
weather, expect to step in puddles, etc.

In any case, the bottom line remains the same when buying walking
(hiking) boots. First look for the necessary design elements which are:

1. GORE-TEX� lining (or other breathable waterproof membrane lining) for
breathable waterproofness (nearly all mid to high end boots have this).
NEVER buy hiking boots that lack a breathable waterproof membrane lining.

2. Vibram� outsole for best traction (cheaper boots may have a lower
grade outsole).

3. Stitchdown construction (not just glued) for durability (very rare
except on extreme high end).

4. Full-grain, all-leather upper (not split grain, not "nubuck") for
support and durability.

Once you find all the boots with the necessary design elements you begin
to narrow down your choices based on other factors like fit, aesthetics,
price, etc..

==============================================================================
TOPIC: Palm Wallet-The biggest con ever, in my opinion
http://groups.google.com/group/misc.consumers.frugal-living/t/c0f0e24af8b1d27e?hl=en
==============================================================================

== 1 of 3 ==
Date: Mon, Mar 8 2010 5:30 pm
From: Zee

On Mar 6, 4:23 am, meteore <bigro...@gmail.com> wrote:
> Hi,
>
> I was just fooled into purchasing this palm wallet after watching one
> of those quick info commercials. The commercial runs so quick, that
> you imagine that you have a lot more space in the wallet then you
> really do.
>
> There is two zippered compartments, one for change and one for credit
> cards, but no separate place for paper currency. If you are in the
> habit of carrying a lot of paper currency, forget it.
>
> My current wallet has the same amount of space for credit cards which
> is zippered and a envelope type for change etc. It also has a money
> clip for paper currency which is closed by a snap on tab. on my
> current wallet. This feature is missing on the palm wallet.
>
> My present wallet is also thinner.
>
> My advice to you is don't get fooled by these quick info commercials
> as there are similar products out there with the same features and
> more.
>
> Roger

Got that Roger.

== 2 of 3 ==
Date: Mon, Mar 8 2010 6:16 pm
From: "h"

"Zee" <zzaldy@gmail.com> wrote in message
news:72110a8d-ac0c-4923-ac33-ec8ab83a1f67@q2g2000pre.googlegroups.com...
On Mar 6, 4:23 am, meteore <bigro...@gmail.com> wrote:
> Hi,
>
> I was just fooled into purchasing this palm wallet after watching one
> of those quick info commercials. The commercial runs so quick, that
> you imagine that you have a lot more space in the wallet then you
> really do.
>
> There is two zippered compartments, one for change and one for credit
> cards, but no separate place for paper currency. If you are in the
> habit of carrying a lot of paper currency, forget it.
>

Umm, is there ANYONE who still carries paper money? I've got one twenty
stuck in the back of my wallet that's been there since the 90s. Ok, so I'm
in the USA and obviously things are different in other countries, but NO ONE
uses cash in the USA anymore. We charge everything and then pay it off every
month. Totally free and we get to use the CC company's float for a month.
Excellent.

== 3 of 3 ==
Date: Mon, Mar 8 2010 8:08 pm
From: "Rod Speed"

h wrote
> Zee <zzaldy@gmail.com> wrote meteore <bigro...@gmail.com> wrote

>> I was just fooled into purchasing this palm wallet after watching one of those quick info commercials. The commercial
>> runs so quick, that you imagine that you have a lot more space in the wallet then you really do.

>> There is two zippered compartments, one for change and one for credit
>> cards, but no separate place for paper currency. If you are in the
>> habit of carrying a lot of paper currency, forget it.

> Umm, is there ANYONE who still carries paper money?

Yep. I use it for the yard sales which almost never accept anything
else and for the farmer's market that hardly ever accepts anything else.

> I've got one twenty stuck in the back of my wallet that's been there since the
> 90s. Ok, so I'm in the USA and obviously things are different in other countries,

Bet it isnt with yard sales and farmer's markets.

> but NO ONE uses cash in the USA anymore.

Bullshit.

> We charge everything and then pay it off every month. Totally free and we get to use the CC company's float for a
> month. Excellent.

Doesnt work for everything.

==============================================================================
TOPIC: Ring around the collar with the toilet
http://groups.google.com/group/misc.consumers.frugal-living/t/41110c983394b5e5?hl=en
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== 1 of 3 ==
Date: Mon, Mar 8 2010 6:07 pm
From: Zee

On Feb 27, 1:34 pm, "Annie Woughman" <anniewough...@hotmail.com>
wrote:
> "noel888" <harri85...@aol.com> wrote in message
>
> news:68338263-0c48-4078-a66f-c46874da9768@u9g2000yqb.googlegroups.com...
>
> > Remember that old tv commercial about the ring around the collar of a
> > shirt? Well i seem to have that problem with my commode...daily
> > scrubbing does not get rid of a ring at its water level in the
> > commode, not the tank. I've used comet, bleach and now CLR to no
> > avail...the main problem is getting that water line to stay low to
> > keep that area dry enough for the liquid cleaners to do their work...i
> > guess. Any other suggestions on how to get rid of that ring that has
> > worked for you? I cannot afford to buy another commode just for that
> > ring problem..and yet its not something you want visitors to see
> > either. What gets me is that commercial about CLR, and how thorough it
> > is in cleaning rust and etc.
>
> We get that in our 2nd bathroom that isn't used much. It is a hard water
> ring. About every six months I do this and it gets rid of it: Lift the
> seat of the toilet and take a large pail of water and dump it directly into
> the bowl. This will cause it to flush without refilling the bowl. Take a
> square of VERY FINE sand paper (it is usually black) and gently scrub the
> ring away. When the ring is gone, follow up with a little comet or ajax and
> then flush the toilet normally. The bowl should be good for another six
> months before the build-up returns. (It depends on how hard your water is.)

Sounds a good solution, I will try this next time.

== 2 of 3 ==
Date: Mon, Mar 8 2010 6:18 pm
From: "h"

"Zee" <zzaldy@gmail.com> wrote in message
news:e636e609-d3e7-4d83-8b12-f465edfafcfd@s25g2000prd.googlegroups.com...
On Feb 27, 1:34 pm, "Annie Woughman" <anniewough...@hotmail.com>
wrote:
> "noel888" <harri85...@aol.com> wrote in message
>
> news:68338263-0c48-4078-a66f-c46874da9768@u9g2000yqb.googlegroups.com...
>
> > Remember that old tv commercial about the ring around the collar of a
> > shirt? Well i seem to have that problem with my commode...daily
> > scrubbing does not get rid of a ring at its water level in the
> > commode, not the tank. I've used comet, bleach and now CLR to no
> > avail...the main problem is getting that water line to stay low to
> > keep that area dry enough for the liquid cleaners to do their work...i
> > guess. Any other suggestions on how to get rid of that ring that has
> > worked for you? I cannot afford to buy another commode just for that
> > ring problem..and yet its not something you want visitors to see
> > either. What gets me is that commercial about CLR, and how thorough it
> > is in cleaning rust and etc.
>
> We get that in our 2nd bathroom that isn't used much. It is a hard water
> ring. About every six months I do this and it gets rid of it: Lift the
> seat of the toilet and take a large pail of water and dump it directly
> into
> the bowl. This will cause it to flush without refilling the bowl. Take a
> square of VERY FINE sand paper (it is usually black) and gently scrub the
> ring away. When the ring is gone, follow up with a little comet or ajax
> and
> then flush the toilet normally. The bowl should be good for another six
> months before the build-up returns. (It depends on how hard your water
> is.)

Sounds a good solution, I will try this next time.

Sandpaper? On PORCELAIN? That's INSANE. You just have hard water. Add a
softener and everything will be fine. You will no longer notice the buildup
on pipes and fixtures, and the appliances will last years longer. Duh.

== 3 of 3 ==
Date: Mon, Mar 8 2010 6:24 pm
From: MAS

On 2/26/2010 4:14 PM, Al wrote:
> I got a product called "The Works" from the dollar store and it worked
> great. I will not buy it again because of the fumes and potential lung
> damage though. Read the labels on anything you use. If it says don't
> breath it, then you better have a respirator while using and ventilate
> the area wall before removing the mask.

I use The Works, but only about once a month, for a good thorough
cleaning. It really does work as advertised.

Marsha

==============================================================================
TOPIC: Hard to be frugal with movies
http://groups.google.com/group/misc.consumers.frugal-living/t/a2bd3b621184adc4?hl=en
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== 1 of 4 ==
Date: Mon, Mar 8 2010 6:19 pm
From: Spork

Is it possible to be a cheapie and still enjoy the overwhelming amount
of media out there? I have friends who could have a substaional amount
of money saved but pour it all into buying games, movies, etc. They
have closets and drawers full of the stuff. So much that they can't
even find what they need not because they are messy.

Theater prices are insane. One movie director said that ticket prices
should be $20 per person because consumers were not shouldering enough
of the cost. I could see how one family could easily put $100 + into
a movie by going to the theater, buying the dvd, and then buying the
bluray. The market is so saturated with selection even $15 is way high
for a disc when its already made zillions at the theater. Or what
about $30 + for a bluray? This is total insanity and I'm not sure why
consumers put up with it.

Or if your a gamer why do people pay 60 dollars for a game that is
literally only 10 - 20 hours long? I wait until the prices come down
but even then I turn around and sell as soon as I finish it. This is
such a hassle I've almost completely quit games.

I've been with netflix for a very long time. They are awesome. I've
seen a lot of older things and now I mostly look forward to new
releases. Its very tough to get a new release. To top it off netflix
made a deal to have a 1 month delay on some new movies. I'm at the
point where I refuse to buy videos or go in a theater. I could pirate
all the stuff but my conscious gets in the way. It also feels just as
wrong to pay the prices they ask. Whats a frugal person to do? have
more patience or stop watching movies?

I had most of my small video collection among other things stolen when
my house was robbed several years ago. This was a wake up call for me
that we never own anything. I have a job where I thought it would be
one of the last places to lay people off. Its starting to happen and
even rumors of the place closing in the future. I'm fairly confident
yet that my job will be fine but it has renewed my interest in living
a minimalist life style.

== 2 of 4 ==
Date: Mon, Mar 8 2010 8:25 pm
From: "Rod Speed"

Spork wrote

> Is it possible to be a cheapie and still enjoy
> the overwhelming amount of media out there?

Yep, hordes just steal it off the net.

> I have friends who could have a substaional amount of money
> saved but pour it all into buying games, movies, etc. They
> have closets and drawers full of the stuff. So much that they
> can't even find what they need not because they are messy.

Those that steal it off the net have an even bigger problem in that regard.

> Theater prices are insane.

Sure, havent been in one of those for something like 35 years.

> One movie director said that ticket prices should be $20 per person
> because consumers were not shouldering enough of the cost.

Fuck him.

> I could see how one family could easily put $100 + into a movie
> by going to the theater, buying the dvd, and then buying the bluray.

And save even more when stealing it off the net.

> The market is so saturated with selection even $15 is way
> high for a disc when its already made zillions at the theater.
> Or what about $30 + for a bluray? This is total insanity
> and I'm not sure why consumers put up with it.

Hordes dont, they steal it off the net.

> Or if your a gamer why do people pay 60 dollars
> for a game that is literally only 10 - 20 hours long?

They're fools with more money than sense.

Corse if no one did that, there wouldnt be many more games produced.

> I wait until the prices come down but even then I turn around and sell as
> soon as I finish it. This is such a hassle I've almost completely quit games.

> I've been with netflix for a very long time. They are awesome.

More convenient to get stuff off the net.

> I've seen a lot of older things and now I mostly look forward to
> new releases. Its very tough to get a new release. To top it off
> netflix made a deal to have a 1 month delay on some new movies.
> I'm at the point where I refuse to buy videos or go in a theater.
> I could pirate all the stuff but my conscious gets in the way.

Mine doesnt.

> It also feels just as wrong to pay the prices they ask.
> Whats a frugal person to do?

Steal it off the net.

> have more patience or stop watching movies?

Steal it off the net.

> I had most of my small video collection among other things stolen when
> my house was robbed several years ago. This was a wake up call for me
> that we never own anything. I have a job where I thought it would be one
> of the last places to lay people off. Its starting to happen and even rumors
> of the place closing in the future. I'm fairly confident yet that my job will
> be fine but it has renewed my interest in living a minimalist life style.

We didnt even get a recession.

== 3 of 4 ==
Date: Mon, Mar 8 2010 8:39 pm
From: SMS

Spork wrote:

> Theater prices are insane. One movie director said that ticket prices
> should be $20 per person because consumers were not shouldering enough
> of the cost. I could see how one family could easily put $100 + into
> a movie by going to the theater, buying the dvd, and then buying the
> bluray.

Why would they buy the DVD and then buy the Blue-Ray disc?

The market is so saturated with selection even $15 is way high
> for a disc when its already made zillions at the theater. Or what
> about $30 + for a bluray? This is total insanity and I'm not sure why
> consumers put up with it.

It costs $1 to rent new releases from the Red Box machine at the
supermarket. Older movies are pretty cheap, $5-7 on sale. The library
has most of the classics to borrow for free. It's not even worth making
copies of the rental discs or library discs since other than children's
movies how many times do you want to watch the same movie?

Movie theater tickets are still relatively low priced because of the way
movie studios structure the cost to the theater. It's much more
profitable for a movie theater to charge $10 for a movie, $6 for
popcorn, and $4 for a drink, than to charge $15 for a movie, $3 for
popcorn, and $2 for a drink, because they get to keep all the revenue
from snacks, but very little of the ticket revenue. They need to fill as
many seats as possible in order to maximize snack bar revenue, and if
they charged $15 for a ticket they would have a tough time filling seats.

== 4 of 4 ==
Date: Mon, Mar 8 2010 11:10 pm
From: "Malcom \"Mal\" Reynolds"

In article
<7vm0u6Fcn7U1@mid.individual.net>,
"Rod Speed" <rod.speed.aaa@gmail.com>
wrote:

> > The market is so saturated with selection even $15 is way
> > high for a disc when its already made zillions at the theater.
> > Or what about $30 + for a bluray? This is total insanity
> > and I'm not sure why consumers put up with it.
>
> Hordes dont, they steal it off the net.

exactly how many is "hordes"?

==============================================================================
TOPIC: best VOIP for nude/hippie DSL?
http://groups.google.com/group/misc.consumers.frugal-living/t/422a68ded01b7c6b?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Mar 8 2010 6:30 pm
From: Zee

On Mar 3, 7:08 am, Ohioguy <n...@none.net> wrote:
> I just got my first phone bill for our new house. We are moving just
> 15 miles, but it is from a house where AT&T does the local phone
> service, to one where Verizon does the local phone service.
>
> Taxes included, we are going from a grand total of $23 with AT&T to
> nearly $30 a month with Verizon. The service is exactly the same -
> unlimited local calling.
>
> Now I had no problem with paying about $23 a month, but I do have an
> issue with paying 30% more for the same thing. It is enough of a
> difference that I started looking into alternatives.
>
> Well, I found out that naked/nude/dry/hippie DSL is available through
> Verizon for just $19.99 a month. That seems attractive to me,
> especially since I'm currently paying $5 a month for 6 hours a day of
> dialup Internet. If you add that to my present local phone, plus about
> $8 a month in long distance calling cards, I'm paying about $43 a month
> for local, long distance, and Internet.
>
> I'd like to look into setting up some sort of easy to use VOIP over
> the naked DSL. I need the following features:
>
> 1) answering machine
> 2) phone number I can share with relatives, & use for outgoing calls
> 3) I'd like to be able to plug a regular phone in and use that
> for calls, if possible
> 4) low cost
>
> Anybody have any suggestions that would help me find what I'm looking
> for?
>
> Thanks!

Check out Onesuite VoIP service. It's only $2.95/month plus 2.5c per
minute on outgoing calls and incoming are always free. You can use it
with or without a computer. Check the details here ->
http://www.onesuite.com/products_Broadband_Main.asp

==============================================================================
TOPIC: What's 1 way you enjoy being wasteful?
http://groups.google.com/group/misc.consumers.frugal-living/t/d28075f4c0b4eb2f?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Mar 8 2010 6:48 pm
From: Zee

On Feb 26, 5:46 am, Ohioguy <n...@none.net> wrote:
> Last year I asked folks here what was one way that you became more
> frugal lately. We got lots of great answers, with people making big and
> small changes to their lives to be more frugal. (mine was saving plastic
> bags from cereal boxes, and plastic bread wrappers to use for lunches,
> etc., so I don't have to buy sandwich bags as often)
>
> This time around, I'm wondering what your guilty pleasure is? You
> know, something that sort of bothers you because it certainly ISN'T
> frugal, like most of your life, but you still want it enough to do it
> anyway.
>
> I have two:
>
> A) comic books. I didn't subscribe to any of these as a kid, but I did
> get to read yard sale copies a lot at an aunt's house. These days,
> cover prices have gone up to about $3 a copy, and I subscribe to about
> 30 different titles. Of course, I've figured out a way to get them for
> about 85 cents each. Never pay full price! Still, we're talking about
> a hobby that costs me over $300 a year.
>
> B) restaurant food. Yes, I realize that you end up paying 3-8x as much
> eating out. However, I'm a stay at home Dad, and I fix a lot of the
> meals, so this gives me a break. Once or twice a week, I eat out,
> probably wasting about $100 a month that I could be saving for hard
> times. On the plus side, I did turn it into a sort of hobby, by
> starting a restaurant review blog, (www.DaytonDining.com) which also
> lets me have some fun writing about my experiences.
>
> How about you?

Well...maybe buying die cast models (I have like almost a hundred by
now) every now and then. It's not expensive but I can use the money to
something more useful.

==============================================================================
TOPIC: annual credit report
http://groups.google.com/group/misc.consumers.frugal-living/t/01af494990c9ff67?hl=en
==============================================================================

== 1 of 1 ==
Date: Mon, Mar 8 2010 7:24 pm
From: "Nick Naim"

"h" <tmclone@searchmachine.com> wrote in message
news:hmk6r9$vsr$1@speranza.aioe.org...
>
> "Annie Woughman" <anniewoughman@hotmail.com> wrote in message
> news:Z1cjn.2713$ao7.2012@newsfe21.iad...
>>
>>
>> "SMS" <scharf.steven@geemail.com> wrote in message
>> news:4b8c400c$0$1653$742ec2ed@news.sonic.net...
>>> Annie Woughman wrote:
>
>> That is kind of over-kill. $7.95 would be easier and cheaper. Our house
>> is paid off so we don't need a mortgage. I'm not too worried about the
>> credit score. For several years I had a Providian credit card that told
>> me my credit score every month. It was always in the 800's. I was
>> really bummed when Chase bought them out and they discontinued that
>> service. I do the free annual credit report just to make sure nothing
>> creeps up on us--like accounts we didn't open. Hubby and I check ours
>> six months apart.
>
> Shrug. I've been in the same house for 25 years and expect to die here. I
> couldn't care less about my credit score since the last time I checked it,
> in 2007, it was 805. I don't anticipate buying anything on credit ever
> again, other than monthly credit card stuff paid in full each month, so I
> locked down my credit application stuff with all three agencies years ago.
> I just don't care.
Ditto
renting for years and by my cars with cash.
could care less about a US credit score.

>
>

==============================================================================
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 1 ==
Date: Mon, Mar 8 2010 7:31 pm
From: "Nick Naim"

"john mayfield" <mayfield258@mail.invalid> wrote in message
news:hmoj4s$uf8$1@news.eternal-september.org...
>
> 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.
die and dont worry about it.

>
>
>
>

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TOPIC: CB Radio or cell phone?
http://groups.google.com/group/misc.consumers.frugal-living/t/03b323177d688519?hl=en
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== 1 of 1 ==
Date: Mon, Mar 8 2010 7:58 pm
From: "Nick Naim"

"Ohioguy" <none@none.net> wrote in message
news:upSin.2569$jt1.277@newsfe01.iad...
> We are moving in a couple of weeks, and my wife will have a roughly ~22
> minute commute, instead of riding the bus. She is worried about having
> car trouble, and says she would like to get a cell phone so that she could
> get a tow truck in an emergency. I guess I don't worry about that much,
> because I always replace the tires & such a lot more often than needed -
> just so I don't have to worry about blowouts & such much.
>
> I had never considered getting a cell phone - when I see people
> constantly answering them in the stores, and airing their private
> conversations, I find myself visualizing little people on leashes. Plus, I
> don't like the idea of another recurring monthly fee. (why I don't have
> cable TV, for instance)
>
> The best deal I've been able to find on a cell phone is a tracphone. I
> actually have one, a Nokia 2600, that I got marked down to $8 at a local
> Kmart. I figured I would use it as a gift for somebody eventually, or use
> it when we took a cross country vacation temporarily - something along
> those lines.
>
> Anyway, I see that Target has a "double minutes for life" card for $25,
> and there are 400 minute, 1 year cards available for it for $100. Plus,
> there are lots of bonus codes out there. Looks like I could get 800+
> minutes a year for the emergency phone, for $100 a year.
>
> On the other hand, we could get a modern CB radio. It would probably be
> a one time $150 expense, but would have no recurring fees. However, I am
> not certain that something like that would work in the case of a
> breakdown.
>
> Anyone know - would a CB radio work in a pinch to get a tow truck out if
> your car breaks down? I remember playing with a handheld one about 10
> years ago, but am not sure if they can be depended on in emergencies.
> However, I figured I should look into it, since my wife says she just
> wants the ability to get a tow if the car breaks down. I have no idea if
> CB still has an "emergency" channel, though. If so, I don't know if it is
> regularly monitored.
>
> Anyone have experience with this?
> Thanks!
CB radio is dead.
Has been scince back in the late 1980,s early 1990,s or so.
I,ve been using a Tracfon for years.This all you need or some alike service.
You have to bring her up to speed in self defence. when she is alone
In short she needs to act like and feel like a female state trooper.

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TOPIC: Are we like monkeys or are monkeys like us?
http://groups.google.com/group/misc.consumers.frugal-living/t/313c99e23a654422?hl=en
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== 1 of 1 ==
Date: Mon, Mar 8 2010 9:13 pm
From: TheTibetanMonkey

You know, the usual stuff... Buddha, Genghis Kahn, the need for laws
on American roads, everything pertaining to life in the jungle...

On Mar 8, 11:12 pm, Vajra <va...@nym.mixmin.net> wrote:
> -----BEGIN PGP SIGNED MESSAGE-----
> Hash: SHA1
>
> On Mon, 8 Mar 2010 10:32:00 -0800 (PST), TheTibetanMonkey
>
> showing-the-path-of-enlightenment-in-the-jungle <nolionnoprob...@yahoo.com> wrote:
> >If these words are true, then Buddhism and Jungle Wisdom are very
> >close...
>
> >"A Buddhist does not seek refuge in the Buddha with the hope that he
> >will be saved by his (i.e. the Buddha's own) personal purification.
> >The Buddha gives no such guarantee. It is not within the power of a
> >Buddha to wash away the impurities of others. One could neither purify
> >nor defile another. The Buddha, as teacher, instructs us, but we
> >ourselves are directly responsible for our purification. Although a
> >Buddhist seeks refuge in the Buddha, he does not make any self-
> >surrender. Nor does a Buddhist sacrifice his freedom of thought by
> >becoming a follower of the Buddha. He can exercise his own free will
> >and develop his knowledge even to the extent of becoming a Buddha
> >himself."
>
> The historical Buddha gave the instructions to 'wake up.' True, no Buddha can
> enlighten anyone, but they can and do show the way because that's their reason for
> being. If the individual's karma allows it, Buddhas can provide that last little
> oomph to get us across the line.
>
> That's why listening, contemplating and meditating of Buddha's teachings is vitally
> important. We're never going to wake up if we just sit under a tree and go Om. We
> must examine who we are, who we really are, seen through eyes informed by
> interdependence. That's our first task - to see the reality of self.
>
> >http://www.buddhanet.net/nutshell03.htm
>
> >I'll give a mundane yet realistic example of survival... To go into
> >the jungle you need good advice (what plant is poisonous or good to
> >eat, for example), but COMMON SENSE should guide your steps.
>
> Yes, unfortunately common sense isn't all that common. Surviving in a jungle is best
> done with someone who lives there. There's no way of doing it without a 'teacher.' To
> an extent, it doesn't matter what form that teacher takes, however someone in front
> of us is better than words on a page. A guide rather than a guide book. It's
> difficult to ask all and every question of a book.
>
>
>
> >And since the law of the jungle prevails everywhere, particularly on
> >the roads where I should be riding a bicycle... "You are on your own,
> >baby!"
>
> Luckily, survival on the roads is helped a little by rules. Riding a bicycle in the
> transit lane is a quick way to learn a couple of the road rules. Explicit information
> on what to do and what to avoid is provided by the road authorities, and Buddha. The
> latter being more useful, except when riding on the road. :)
>

Where there are no rules... the law of the jungle takes over. Such law
is based on physics, ie. the biggest mass wins. How can you fight that
jungle with all wisdom in the world? That's why you must have more
than one path to survive... or put up a resistance.

Try watching a movie called "Mongol," where Genghis Khan fills this
void referring to the need for laws. Whether the movie is accurate or
not, it's very beautiful and powerful. Of course, we reject violence,
but it was a long time ago when people didn't know any other way to
fight.

There's a monk that begs him to save his temple and he respects it.
Funny, they put Khan in a cage, but he knew he had to fulfill his
destiny. NEVER DISMISS ANYONE is the moral of the story.

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