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

misc.consumers.frugal-living
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Today's topics:

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TOPIC: Thomas Jefferson said.
http://groups.google.com/group/misc.consumers.frugal-living/t/c74931d20377c4df?hl=en
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== 1 of 1 ==
Date: Mon, Mar 1 2010 9:50 pm
From: "Rod Speed"

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

>>> "I believe that banking institutions are more
>>> dangerous to our liberties than standing armies"

>> From the fool that keep slaves.

>>> deja vu?

>> Nope, just another massive brain fart from that fool.

> "Kill the Messenger" never gets old. ;)

No one got killed.

And the message was a lie anyway, we never got anything like WW1 or WW2 from any banking institution.

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http://groups.google.com/group/misc.consumers.frugal-living/t/788415e309877d72?hl=en
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== 1 of 1 ==
Date: Tues, Mar 2 2010 12:30 am
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TOPIC: Discount UGG Boots wholesale, AAA quality UGG wholesale free shipping <
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http://groups.google.com/group/misc.consumers.frugal-living/t/acafc25d43711e0f?hl=en
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== 1 of 1 ==
Date: Tues, Mar 2 2010 1:33 am
From: shoestrade

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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 4 ==
Date: Tues, Mar 2 2010 8:22 am
From: "Bob F"

Michael Black wrote:

> If you still want CB, it should be a lot less expensive. Fifty
> dollars is more likely, assuming you can find one. Or buy used,
> since likely there are lots of people who had them and no longer use
> them.

CB radios are commonly available for $5-10 at garage sales or thrift shops.

== 2 of 4 ==
Date: Tues, Mar 2 2010 8:58 am
From: SMS

Bob F wrote:
> Michael Black wrote:
>
>> If you still want CB, it should be a lot less expensive. Fifty
>> dollars is more likely, assuming you can find one. Or buy used,
>> since likely there are lots of people who had them and no longer use
>> them.
>
> CB radios are commonly available for $5-10 at garage sales or thrift shops.

New ones are still being sold as well, though GMRS has but a dent into
their sales.

== 3 of 4 ==
Date: Tues, Mar 2 2010 9:55 am
From: Zuke

I have tracfone and am happy with it. But as others have pointed
out there are lower costs option.

One thing on the tracfone "double minutes for life" is the
life of the phone--not your life. Big Difference.

On Mon, 1 Mar 2010, Ohioguy wrote:

> 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!
>

== 4 of 4 ==
Date: Tues, Mar 2 2010 11:52 am
From: info_at_1-script_dot_com@foo.com (spendwize.com)

Spring for the bucks and get your wife a cell-phone - it's for her
protection! A CB radio would only be helpful if someone on the other end
could provide the service she needs!
xxxxo
-------------------------------------
Ohioguy wrote:

> 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!

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TOPIC: 0bama. Hard at work making jobs. For .....
http://groups.google.com/group/misc.consumers.frugal-living/t/6e3f54eb393bd43b?hl=en
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== 1 of 4 ==
Date: Tues, Mar 2 2010 8:23 am
From: "Bob F"

Beam Me Up Scotty wrote:
> On 2/28/2010 8:37 PM, Bob F wrote:
>> climber wrote:
>>> On Feb 28, 12:29 pm, Winston_Smith <not_r...@bogus.net> wrote:
>>>> http://www.fairus.org/site/News2?page=NewsArticle&id=22373&security=1...
>>>> Reid Jobs Bill Gives Tax Breaks for Hiring Illegal Workers
>>>>
>>>> Senate Majority Leader Harry Reid (D-NV) unveiled his jobs bill
>>>> last week that proposes tax exemptions and tax credits for
>>>> employers who hire and retain workers - regardless of their
>>>> immigration status. ...
>>>> In doing so, Reid said he wanted to focus clearly on the "jobs
>>>> message" he thought the Senate should be sending to the American
>>>> people. (Roll Call, Feb. 16, 2010).
>>>
>>> Reid is a weasly little cocksucker.
>>>
>>
>> Hiring illegals is illegal. They don't need to make it illegal.
>>
>>
>
>
> Maybe they could make it illegal to *not enforce* the laws on
> "illegals".
>
>
> Then the police/Feds would have a choice of putting the illegals in
> jail and deport them or put their fellow police in jail.

IF they really wanted to end the illegal problem, they could start jailing the
problem - people who hire illegals.

== 2 of 4 ==
Date: Tues, Mar 2 2010 10:24 am
From: Michael Coburn

On Tue, 02 Mar 2010 08:23:55 -0800, Bob F wrote:

> Beam Me Up Scotty wrote:
>> On 2/28/2010 8:37 PM, Bob F wrote:
>>> climber wrote:
>>>> On Feb 28, 12:29 pm, Winston_Smith <not_r...@bogus.net> wrote:
>>>>> http://www.fairus.org/site/News2?
page=NewsArticle&id=22373&security=1...
>>>>> Reid Jobs Bill Gives Tax Breaks for Hiring Illegal Workers
>>>>>
>>>>> Senate Majority Leader Harry Reid (D-NV) unveiled his jobs bill last
>>>>> week that proposes tax exemptions and tax credits for employers who
>>>>> hire and retain workers - regardless of their immigration status.
>>>>> ...
>>>>> In doing so, Reid said he wanted to focus clearly on the "jobs
>>>>> message" he thought the Senate should be sending to the American
>>>>> people. (Roll Call, Feb. 16, 2010).
>>>>
>>>> Reid is a weasly little cocksucker.
>>>>
>>>>
>>> Hiring illegals is illegal. They don't need to make it illegal.
>>>
>>>
>>>
>>
>> Maybe they could make it illegal to *not enforce* the laws on
>> "illegals".
>>
>>
>> Then the police/Feds would have a choice of putting the illegals in
>> jail and deport them or put their fellow police in jail.
>
> IF they really wanted to end the illegal problem, they could start
> jailing the problem - people who hire illegals.

NO! Big fines are better. We _get_ money as opposed to paying money to
keep them in jail. As a matter of fact we can pay for the people needed
to do the enforcement using the money from the fines. Lets do it on a
commission basis :)

--
"Senate rules don't trump the Constitution" -- http://GreaterVoice.org/60

== 3 of 4 ==
Date: Tues, Mar 2 2010 11:03 am
From: retrogrouch@comcast.net

On Tue, 2 Mar 2010 08:23:55 -0800, "Bob F" <bobnospam@gmail.com>
wrote:

>> Then the police/Feds would have a choice of putting the illegals in
>> jail and deport them or put their fellow police in jail.
>
>IF they really wanted to end the illegal problem, they could start jailing the
>problem - people who hire illegals.

Sure enough. But want to see what the real policy has been?
Cheap labor!

Number of work place arrests made by U.S. immigration authorities in
1997: 17,554
Number in 2003: 445
source: Harper's Index Feb. 06

http://content.thirdway.org/publications/73/Third_Way_Report_-_Mission_Accomplished_II_-_The_Bush_Record_on_Immigration_Enforcement.pdf

Now ask why Bush stopped enforcing against employers until 2007.

http://forums.eog.com/politics-and-government/bush-vs-clinton-on-illegal-immigration-31330.html

In 1999, the Clinton Administration fined over 400 companies for
hiring illegal aliens. In 2004, the Bush Administration fined three.

Bush cut 9600 border patrol guards from the budget.

http://www.sfgate.com/cgi-bin/article.cgi?file=/chronicle/archive/2005/02/09/MNGOKB837T1.DTL

And then at the end of his term the GOP wanted to rant about illegals?
It's just like how they suddenly found religion on deficits - after
they added 8 trillion to the debt.

_________

"Two novels can change a bookish fourteen-year old's life: The Lord
of the Rings and Atlas Shrugged. One is a childish fantasy that often
engenders a lifelong obsession with its unbelievable heroes, leading
to an emotionally stunted, socially crippled adulthood, unable to
deal with the real world. The other involves orcs."

== 4 of 4 ==
Date: Tues, Mar 2 2010 11:04 am
From: retrogrouch@comcast.net

On 2 Mar 2010 18:24:13 GMT, Michael Coburn <mikcob@verizon.net> wrote:

>> IF they really wanted to end the illegal problem, they could start
>> jailing the problem - people who hire illegals.
>
>NO! Big fines are better. We _get_ money as opposed to paying money to
>keep them in jail. As a matter of fact we can pay for the people needed
>to do the enforcement using the money from the fines. Lets do it on a
>commission basis :)

Fines AND Jail!!!!!!

_________

==============================================================================
TOPIC: 1 Chicken, 17 Healthy Meals, $26 Bucks, No Mayo
http://groups.google.com/group/misc.consumers.frugal-living/t/e58b86ddbcc9e172?hl=en
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== 1 of 2 ==
Date: Tues, Mar 2 2010 8:45 am
From: Pedro Marques

The stretchability of a whole chicken is a frequently discussed topic
among food and frugality bloggers. It's commonly accepted that a
single fowl will feed a family of 11 for weeks, years - even
millennia. Even after 20 months of keeping CHG, I'm constantly
gobsmacked by how moms and dads can create dinner after dinner from
the same bird.

Here's the thing: sometimes, those dinners aren't the healthiest meals
in the world. There tend to be a lot of quesadillas and casseroles
whenever these type of posts pop up, not to mention chicken salads
drenched with full-fat mayo. Now, there's nothing wrong with this
whatsoever (except the mayo - blech), but I wanted to see if I could
put a healthier spin on it.

In a sentence: I wanted to find out if it was possible to create a
gaggle of inexpensive, lower-fat meals with the leftovers from one big
ol' chicken.

Here were my rules:

* The budget – for EVERYTHING - was $25.
* I had to use as much food already in my pantry as possible.
(Which accounted for a lot, and saved me mad dough in the long run.)
* Each meal had to feed at least two people (The Boyfriend and
me).
* Bonus points for leftovers.
* The chicken had to be used up within a few days, so it wouldn't
go bad.
* The meals had to have reasonable variety, preferably from a
range of cuisines. It couldn't be Chicken with Spaghetti on Day 1,
then Chicken with Penne on Day 2.
* The meals had to have very little added fat, since the leftover
chicken would provide most of it.

And? Victory, for the most part. I ended up cooking five distinct,
delicious, largely healthy dinners with PLENTY of leftovers. And
miracle of miracles, there were no duds in the group. (Thanks, online
reviewers!)

However, I did go $0.86 over budget. I'm okay with that, though.
Between what we consumed each night and ate for lunch the next day,
that $25.86 made 17 full meals, which works out to $1.52 each. That's
less than a cup of Starbucks coffee, so … aces.

What follows is the menu breakdown, complete with pictures and links
to four of the five recipes. The last, a Cook's Illustrated curry
dish, isn't online, so I transcribed it at the very bottom of this
post. There's also a master grocery list, so y'all can see the price
breakdown of everything.

With that said, let's get started with introductions: Charles, these
are the CHG readers. CHG readers, this is Charles. He's my chicken.
He's 6.99 lbs.

He will not look like this for long.

Day 1
Marcella Hazan's Lemon Roasted Chicken with Carrots and Potatoes
2 servings
Chicken consumed: 10 ounces

We kicked everything off with Marcella's Lemon Roasted Chicken. It's
been featured on the blog before, with good reason. In a world of dry,
lame-o poultry, it is the Queen Mum of moist, flavorful goodness.
Plus, when you add a few thick-cut carrots and quartered (unpeeled)
red potatoes to the pan before it starts cooking, it becomes a whole
meal. (Seriously, that's all you have to do.) Together, The Boyfriend
and I polished off all the vegetables and 10 ounces of chicken (five
ounces each) for a Sunday night meal.

Afterwards, we stripped the chicken bare. Nude. Butt-naked. There was
nothing left on that carcass but skin and gristle. It was a little
hyena-like, honestly, but fun nonetheless. In total, our booty came to
2 pounds, 4 ounces of pure, straight-up leftover meat, mostly from the
breast. Here's a shot of the carnage.

If I had half a brain, I would have saved Charles' bones to make
stock. But I forgot.

To quote the bard, "Duh."

Day 2
Cooking Light's Chicken Picadillo with Rice and Black Beans
3 servings
Leftover chicken consumed: 1 pound

(Note: The experiment almost ended here, since I didn't go grocery
shopping in time for Day 2. Fortunately, for this particular recipe,
everything was in my pantry already. [Woo hoo!])

Going in, I had mid-level expectations for Chicken Picadillo, and was
super-pleasantly surprised by the results. All in all, it's supremely
easy to cook, and a nice change from the average Tex-Mex dish. Ground
chicken, salsa, raisins, and almonds make up the main ingredients, but
a dash of cinnamon ties it all together, giving everything a warm,
lovely flavor. We ate it with plain rice and mashed black beans (to
prepare: heat in pot, mash with masher, add salt and pepa), and used
the leftovers to create a chicken/lettuce/salsa wrap the next day for
lunch. Good times.

Day 3
White Chicken Chili
2-3 servings
Leftover chicken consumed: 1-1/2 cups

This tangy, mild, ridiculously simple chili was The Boyfriend's
favorite dish of the bunch. (He is the Chili King. He can do
anything.) He slurped a bowl in record time, scarfed leftovers for
lunch the next day, and openly wept when I told him he had finished it
all. Poor guy.

The key to keeping this dish low-fat is the beans. By lightly mashing
them, you create a thicker chili consistency, and don't have to add as
much cheese. FYI: If you like your chilis a little spicier, the heat
is eminently adjustable here: just include the jalapeno seeds OR add
another pepper altogether.

Day 4
Food Network's Sesame Noodles with Chicken
5 servings
Chicken consumed: 1 cup

Three days into this thing, and we were barely halfway through
Charles' leftover meat. That started to change here.

It must be known: I loooooooove noodles. I luff them. I lurve them. I
want to kiss them, but they keep falling through my fingers. (Ooo …
deep.) Naturally then, this dish from Food Network was my favorite of
the experiment. It's a cross between Ellie Krieger's Aromatic Noodles
and this Noodle Salad from Cooking Light, with just a little more
tang. The whole shebang is a tad higher in fat than the experiment's
others (see: butter, peanut), but it's the healthy, protein-y kind, so
I wouldn't worry too much.

One note: I substituted a pitted, sliced regular cucumber for the
Kirby. No harm, no foul, and it worked just fine.

Day 5
Cook's Illustrated's Chicken Curry in a Hurry
(recipe at bottom of post)
4 servings
Chicken consumed: 2 cups

Finally, we had reached the end. Charles was nearly tapped by Day 5,
though perhaps surprisingly, we weren't getting tired of chicken in
the least.

It's a good thing, then, we went with Curry in a Hurry. Served with a
side of brown rice, it's a fast, fantastic, Indian-inspired weeknight
meal that will absolutely use up the last of any leftover chicken.
Plus, it's a lot of frigging food. CI claims it serves four people,
it's really more like five or six. Maybe eight or nine if you're
elves.

Note: we skipped the peas because they represent the oppression of the
worker by the bourgeoisie, and can only be freed through shared profit
and community-wide effort. (Oh wait – that's not right. Actually, I
just forgot to buy them. It didn't make a difference.)

~~~

And that, my friends, is it. We're full. The chicken's gone. The
experiment worked.

Here's our grocery list (just like we promised!), plus the curry
recipe, should you be into it. Comments and questions are welcome, and
I'd love to hear what y'all have done with a whole chicken. Enjoy!

~~~

SHOPPING LIST
(* means I already had it in my pantry or fridge)

1 7-lb Oven Stuffer Roaster chicken: $6.92
1 lb thick carrots: $0.67
1-1/2 lbs red or Yukon gold potatoes: $1.42
2 lemons: $0.80
*1 or 2 tablespoons salt: $0.04
*3 teaspoons olive oil: $0.11
*2 tablespoons toasted sesame oil: $0.36
*2 tablespoons vegetable oil: $0.18
*2-1/2 medium onions: $0.30
*9 garlic cloves: $0.30
*2-1/2 teaspoons ground cumin: $0.05
*1/4 teaspoon ground cinnamon: $0.01
*1/2 teaspoon dried oregano or Italian seasoning: $0.02
*Pinch ground cloves: $0.01
*1 teaspoon crushed red pepper: $0.05
*1/2 to 1 tablespoon curry powder: $0.07
*1 cup bottled salsa: $0.99
*1/3 cup golden raisins: $0.79
*1/4 cup raisins: $0.42
*1/4 cup slivered almonds: $0.73
1/4 cup dry-roasted peanuts: $0.35
1 large bunch fresh cilantro: $0.99
*1 14-oz can black beans: $0.67
1 can large white beans: $1.39
*1 (15-ounce) can chickpeas: $0.67
*1-2/3 cup uncooked brown rice: $0.95
1 seeded jalapeño pepper: $0.25
1 cucumber: $0.80
6 scallions: $0.67
2 tablespoons fresh grated ginger: $0.32
1 can (4-ounce) chopped green chilies: $1.49
*2 cups chicken broth: $0.60
*1 pound spaghetti or Chinese egg noodles: $0.80
1/2 cup smooth peanut butter: $0.21
*1/4 cup soy sauce: $0.38
*2 tablespoons dark brown sugar: $0.06
*1 tablespoon rice vinegar: $0.24
*1/2 cup plain whole-milk yogurt (we used low-fat, and it was okay):
$0.28
*1/2 cup grated low-fat Monterey Jack or white cheddar cheese: $0.50
TOTAL: $25.86

~~~

Cook's Illustrated's Chicken Curry in a Hurry
Serves 4

2 tablespoons vegetable oil
1 onion, sliced thin
1/2 to 1 tablespoon curry powder (mine is hot, so I only use ½)
Salt
4 garlic cloves, minced
1 tablespoon fresh grated ginger
½ cup water
2 cups shredded of thinly sliced cooked chicken
1 (15-ounce) can chickpeas, drained and rinsed
1 cup frozen peas (I left this out, but please use)
1/4 cup raisins
1/2 cup plain whole-milk yogurt (we used low-fat, and it was okay)
1/4 cup minced fresh cilantro

1. BUILD CURRY BASE: Heat oil in 12-inch skillet over medium-high heat
until shimmering. Add onion, curry powder, and 1/2 teaspoon salt and
cook until onion is browned, 5 to 7 minutes. Stir in garlic and ginger
and cook until fragrant, about 30 seconds.

2. ADD WATER, MEAT, VEGETABLES, AND COOK: Stir in water, meat,
chickpeas, peas, and raisins. Cook, stirring frequently, until heated
through, 3 to 5 minutes.

3. GARNISH AND SERVE: Off heat, stir in yogurt and cilantro and serve.
Over brown rice is a good option.

== 2 of 2 ==
Date: Tues, Mar 2 2010 1:32 pm
From: Al

On Mar 2, 11:45 am, Pedro Marques <pedroxa...@gmail.com> wrote:
> The stretchability of a whole chicken is a frequently discussed topic
> among food and frugality bloggers. It's commonly accepted that a
> single fowl will feed a family of 11 for weeks, years - even
> millennia. Even after 20 months of keeping CHG, I'm constantly
> gobsmacked by how moms and dads can create dinner after dinner from
> the same bird.
>
You are starting with a 7# chicken. I have never seen one at my
stores so I will take your word for it. I could always buy two
chickens. By the time you discard the fat and later the bones, there
is scarcely half left. I refuse to clog my arteries with chicken fat
to save a few pennies. I also think the look of wearing chicken fat is
disgusting. If I followed your recipe to the T, it would last me alone
for about four days-maybe. It might last longer though as I would be
about ready to give up eating altogether.

==============================================================================
TOPIC: ╰☆╮╰☆╮╰☆ Cheap wholesale BBC Coat, ED Hardy Coat, Evisu Coat ect at www.
rijing-trade.com <Paypal Payment>
http://groups.google.com/group/misc.consumers.frugal-living/t/d59523615cc176d8?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Mar 2 2010 9:21 am
From: "www.fjrjtrade.com"

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Discount Christan Audigier Coat

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Discount Evisu Man Coat

Discount LRG Man Coat

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

== 1 of 3 ==
Date: Tues, Mar 2 2010 9:37 am
From: "Annie Woughman"

"SMS" <scharf.steven@geemail.com> wrote in message
news:4b8c400c$0$1653$742ec2ed@news.sonic.net...
> Annie Woughman wrote:
>> Has anyone else had trouble getting their free annual credit report
>> online from Equifax? For two years in a row now when I go to
>> annualcreditreport.com, I have no problem viewing and printing my report
>> from TransUnion or Experian but Equifax always says that it cannot give
>> me my report online at this time but I can request one by mail. It does
>> that to my husband too. In the FAQ section it says this might be because
>> we have a freeze on our credit reports or that we supplied inaccurate
>> information. This is not the case for either of us. I am wondering if it
>> is a ruse to get people to buy their credit scores ($7.95) or sign up for
>> their credit protection stuff. The first year this happened I did have
>> them send it by mail (which in my opinion is much riskier than just
>> having a look at it on line) but I refused to do it this time because I
>> don't want all that information going through the mail.
>
> Just apply for a mortgage loan, get turned down, and you'll get all three
> credit reports, along with FICO scores, for free.
>
> I'm refinancing, my wife and I both have credit scores in the 790-800
> range, a very low LTV, no credit card debt, no car loans, low debt/income
> ratio and one bank turned us down. So I can get all six credit reports for
> free now, and another bank was happy to do the loan.

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.

== 2 of 3 ==
Date: Tues, Mar 2 2010 3:26 pm
From: "h"

"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.

== 3 of 3 ==
Date: Tues, Mar 2 2010 5:59 pm
From: "The Henchman"

"Annie Woughman" <anniewoughman@hotmail.com> wrote in message
news:Y%Vin.3443$3D3.1385@newsfe19.iad...
> Has anyone else had trouble getting their free annual credit report
> online from Equifax? For two years in a row now when I go to
> annualcreditreport.com, I have no problem viewing and printing my report
> from TransUnion or Experian but Equifax always says that it cannot give me
> my report online at this time but I can request one by mail. It does that
> to my husband too. In the FAQ section it says this might be because we
> have a freeze on our credit reports or that we supplied inaccurate
> information. This is not the case for either of us. I am wondering if it
> is a ruse to get people to buy their credit scores ($7.95) or sign up for
> their credit protection stuff. The first year this happened I did have
> them send it by mail (which in my opinion is much riskier than just having
> a look at it on line) but I refused to do it this time because I don't
> want all that information going through the mail.

here's a thought. Are you waiting exactly 365 between requests?

==============================================================================
TOPIC: WAL-MART "Promises" Greenhouse Gas Emissions CUTS! In Five Years! You
Believe It?
http://groups.google.com/group/misc.consumers.frugal-living/t/b601ebce7519558f?hl=en
==============================================================================

== 1 of 3 ==
Date: Tues, Mar 2 2010 10:23 am
From: Cindy Hamilton

On Mar 1, 3:13 pm, Michael Coburn <mik...@verizon.net> wrote:
> On Mon, 01 Mar 2010 10:10:46 -0800, Cindy Hamilton wrote:
> > On Feb 26, 4:59 pm, OvarianTumor <slipuva...@yahoo.com> wrote:
> >> Yeah, Wal-Mart, whose employee health plan carries a $1,500 annual
> >> deductible on top of unaffordably
> >> high fees, and whose "401K" contributes a generous $5 per employee
> >> biweekly. Wal-Mart, whose average worker doesn't make enough money to
> >> support even half a family.
>
> > This obviously comes as news to you, but not every job can support a
> > family.
> > An employer who pays more than the job earns in revenue will be out of
> > business.
>
> And I should care about this exactly why???? Tell us the bad things that
> will happen to the middle class if Wally World comes to an end.

It doesn't matter whether you care or not. It's simple arithmetic.
Can
you please explain how a business could stay in business while paying
their
employees MORE than the value of their labor?

== 2 of 3 ==
Date: Tues, Mar 2 2010 10:36 am
From: "Rod Speed"

Cindy Hamilton wrote
> Michael Coburn <mik...@verizon.net> wrote
>> Cindy Hamilton wrote
>>> OvarianTumor <slipuva...@yahoo.com> wrote

>>>> Yeah, Wal-Mart, whose employee health plan carries a $1,500
>>>> annual deductible on top of unaffordably high fees, and whose
>>>> "401K" contributes a generous $5 per employee biweekly.
>>>> Wal-Mart, whose average worker doesn't make enough
>>>> money to support even half a family.

>>> This obviously comes as news to you, but not every job can support a family.
>>> An employer who pays more than the job earns in revenue will be out of business.

>> And I should care about this exactly why???? Tell us the bad things
>> that will happen to the middle class if Wally World comes to an end.

> It doesn't matter whether you care or not. It's simple arithmetic.
> Can you please explain how a business could stay in business
> while paying their employees MORE than the value of their labor?

By making more than that on what they sell with a retailler like Walmart.

== 3 of 3 ==
Date: Tues, Mar 2 2010 11:09 am
From: Michael Coburn

On Tue, 02 Mar 2010 10:23:01 -0800, Cindy Hamilton wrote:

> On Mar 1, 3:13 pm, Michael Coburn <mik...@verizon.net> wrote:
>> On Mon, 01 Mar 2010 10:10:46 -0800, Cindy Hamilton wrote:
>> > On Feb 26, 4:59 pm, OvarianTumor <slipuva...@yahoo.com> wrote:
>> >> Yeah, Wal-Mart, whose employee health plan carries a $1,500 annual
>> >> deductible on top of unaffordably
>> >> high fees, and whose "401K" contributes a generous $5 per employee
>> >> biweekly. Wal-Mart, whose average worker doesn't make enough money
>> >> to support even half a family.
>>
>> > This obviously comes as news to you, but not every job can support a
>> > family.
>> > An employer who pays more than the job earns in revenue will be out
>> > of business.
>>
>> And I should care about this exactly why???? Tell us the bad things
>> that will happen to the middle class if Wally World comes to an end.
>
> It doesn't matter whether you care or not. It's simple arithmetic. Can
> you please explain how a business could stay in business while paying
> their
> employees MORE than the value of their labor?

Being a moron you have missed the point.

Why do I care if Wally World goes out of business????? I do not need to
"explain" jack shit to the likes of you. If Wally can't pay its
employees then Wally should be replaced by a business that _CAN_. Like
all the retailers that Wally crushed in the first place.

--
"Senate rules don't trump the Constitution" -- http://GreaterVoice.org/60

==============================================================================
TOPIC: Remember The 'Cramming" Phone Scams? Thanks To Bush's FTC And FCC "
Hands-Off Policy," The Scammers Are Back BIG-TIME!
http://groups.google.com/group/misc.consumers.frugal-living/t/62f80efd26665b57?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Mar 2 2010 10:51 am
From: Justadream

On Mar 1, 4:45 pm, Bert Hyman <b...@iphouse.com> wrote:
> Innews:85feb3b8-3de6-49c8-ac43-ff89e2fa3feb@f8g2000yqn.googlegroups.com
>
> "God'sLittleAnus" <perryneh...@hotmail.com> wrote:
> > I believe the poster's inference
>
> But we know that you'll believe anything.
>
> --
> Bert Hyman St. Paul, MN b...@iphouse.com

-------------------
Hymie:

How did your parents manage to miss the last train to Auschwitz?

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

== 1 of 1 ==
Date: Tues, Mar 2 2010 3:08 pm
From: Ohioguy

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!

==============================================================================
TOPIC: our family's share of the federal budget
http://groups.google.com/group/misc.consumers.frugal-living/t/965fa9eb9ba7210f?hl=en
==============================================================================

== 1 of 2 ==
Date: Tues, Mar 2 2010 4:17 pm
From: Ohioguy

I just turned in my tax return using taxact online, and got some
interesting results on one page:

2009 - your share of national budget

effective tax rate 0.44% (it was actually just about 2%, not sure what
they are talking about)

Item Your Share % of total

National Defense $155 20%

Veterans + Foreign Affairs $33 4%

Medicaid, Food stamps, etc. $106 14%

Unemployment, social services $49 6%

Social Security, medicare
other retirement $309 37%

net interest on debt $73 8%

law enforcement, general government $16 2%

physical, human, community
development $73 9%

What I found the most interesting was that 8% of our taxes went to
interest payments. That's about the same as the combined spending for
law enforcement, general government, unemployment and social services.

== 2 of 2 ==
Date: Tues, Mar 2 2010 5:25 pm
From: don@manx.misty.com (Don Klipstein)

In article <kVhjn.2805$ao7.424@newsfe21.iad>, Ohioguy wrote:
>I just turned in my tax return using taxact online, and got some
>interesting results on one page:
>
>2009 - your share of national budget
>
>effective tax rate 0.44% (it was actually just about 2%, not sure what
>they are talking about)
>
>Item Your Share % of total
>
>National Defense $155 20%

>Veterans + Foreign Affairs $33 4%

I would like to see how much of that is for medical services.

>Medicaid, Food stamps, etc. $106 14%

I would like to see how much of that is Medicaid alone.

>Unemployment, social services $49 6%
>
>Social Security, medicare
>other retirement $309 37%

I would like to see how much of that is for Medicare.

>net interest on debt $73 8%
>
>law enforcement, general government $16 2%
>
>physical, human, community
>development $73 9%

I would like to see how much of the above is for employer contributions
to employee health insurance premiums.

I do know that the above medical/health issues, plus county health
programs and state/local/school-district/quasigovernmental employees
getting employer contributions to their health insurance premiums all adds
up to greater percentage of GDP than government spending on healthcare in
the other prosperous industrialized democracies.

>What I found the most interesting was that 8% of our taxes went to
>interest payments. That's about the same as the combined spending for
>law enforcement, general government, unemployment and social services.

(This reminds me of how many years of my life had annual Federal budget
deficit close to the interest payments on the national debt.)

Watch that interest cost increase as debt increases! Also, should the
economy heat up or inflation appear or threaten to do so, that results in
interest *rates* increasing - double whammy with national debt increasing
rapidly. Brace yourself for painful tax increases and spending cuts.
Vote against candidates saying these (especially tax increases) are
unnecessary or counterproductive. The stimulus and bailout programs
jolted the national debt upward, and the US economy is being dragged down
by heavy importation of manufactured goods and fuels and food exports
being dragged down by subsidizing use of a specific food crop for fuel
purposes.

Also vote against those favoring pork spending, which is some of the 20%
for Defense, a bit of the 6% for Medicaid and social services, some of the
2% for law enforcement and general government, and probably a fair amount
of the 9% for physical, community and human development. (And be hawkish
on pork and inefficiencies on the state and local government levels also.)

- Don Klipstein (don@misty.com)

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

== 1 of 1 ==
Date: Tues, Mar 2 2010 5:11 pm
From: Jim Janney

Vic Smith <thismailautodeleted@comcast.net> writes:

> On Fri, 26 Feb 2010 12:45:10 +0000, Geoff Berrow
> <blthecat@ckdog.co.uk> wrote:
>
>>On Fri, 26 Feb 2010 11:49:00 +0000, Peter Clinch
>><p.j.clinch@dundee.ac.uk> wrote:
>>
>>>Take them orienteering instead and they'll be on rougher terrain with
>>>more need of good soles, and hardly anyone will think they're best off
>>>in boots with Vibram soles and ankle support. Certainly almost all of
>>>the experts won't be in them.
>>
>>I've been walking 3-4 miles a day on pavements to keep in trim and in
>>the recent snow, I wore my boots instead of my usual North Face shoes.
>>As I only have short legs, I found it harder to walk as fast with the
>>boots because of the extra weight. This isn't usually a problem when
>>doing day walks across country or up hills as my pace will be more
>>relaxed. I can see, however, that someone concerned with speed would
>>prefer lighter footwear.
>
> Speed isn't the only concern with weight.
> After some miles of walking in comfortable but heavy boots, a knee
> became painful and slightly swollen. I didn't connect it with the
> boots at first, but when I doffed the boots the knee problem very
> quickly disappeared.
> It's possible my gait in the above ankle boots was a factor, but I'm
> guessing it was mostly the swinging weight of the boots.

The knee is basically a hinge. It can move through nearly 180
degrees, but only in a single plane. The ankle has a more limited
range of motion but is also more tolerant of movement in different
planes, especially in combination with the feet -- there's a whole
collection of joints down there. What sometimes happens when you
restrict the mobility of the ankles and feet is that any sort of
lateral or twisting movements that these would normally handle are
transferred to the knees, which don't appreciate them. For an
excruciatingly detailed discussion of this, see

http://www.tmuscle.com/portal_includes/articles/2008/08-030-training.html

Then again, it could just be the swinging weight.

--
Jim Janney

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Tuesday, March 2, 2010

misc.consumers.frugal-living - 25 new messages in 13 topics - digest

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