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Today's topics:
* Do you feel guilty about the oil spill? - 5 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/4e6d12d1ae80903c?hl=en
* ◢Hot Sale Nice Design Various Brand Handbags: Louis Vuitton,Prada,Chloe,
Chanel,etc.== http://www.tradedong.com - 2 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/5beb513ddfec415e?hl=en
* Annual lump sum additional principal payment on mortgage or pay monthly? How
much better is one over the other? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/ab333bb986f9260e?hl=en
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TOPIC: Do you feel guilty about the oil spill?
http://groups.google.com/group/misc.consumers.frugal-living/t/4e6d12d1ae80903c?hl=en
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== 1 of 5 ==
Date: Wed, May 5 2010 7:16 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"
On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
> If we had Monty Python Feudalism, we'd run around banging two halves
> of coconuts together, which has even less environmental impact than
> riding a bicycle. So just quit talking shit about Feudalism.
Wait a minute, wouldn't we be riding horses?
The armor now is the SUV instead of those uncomfortable armor suits.
Yes, we have come a long way...
== 2 of 5 ==
Date: Wed, May 5 2010 8:08 pm
From: "Nick Naim"
"Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
news:84eb9dFov5U1@mid.individual.net...
> Jeff Thies wrote:
>> His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
>> Enterprises wrote:
>>> On May 4, 6:39 pm, Forrest Hodge <f...@hotmail.com> wrote:
>>>> On 5/4/2010 4:55 PM, Bob F wrote:> Forrest Hodge wrote:
>>>>
>>>>>> 3. No thanks, cars are more than just appliances to me. Sure I
>>>>>> could drive a 1 liter shitbox, but I like the idea of having 400+
>>>>>> HP at my whim. Gas is cheap.
>>>>> I guess that's the problem. It's too cheap.
>>>> Well, those who have vehicles that use more fuel are paying
>>>> proportionately in taxation already. I have no problems with that.
>>>> It's my choice to drive a muscle car. But I don't think the
>>>> government should artificially create rules and regulations that
>>>> get in the way of what the people want. In Britain for example fuel
>>>> is taxed heavily. It all but forces people to drive smaller, less
>>>> powerful cars. You have to be rather wealthy in Britain to afford a
>>>> petrol powered V8 car or SUV. If they had more reasonable (by North
>>>> American standards) fuel taxation, they probably wouldn't be
>>>> driving diesel hatchbacks around.
>>>
>>> They wouldn't fit in their roads and who cares about cars that are
>>> bigger outside and waste gas for the hell of it.
>>>
>>> My favorite car (most fun, lots of character, perhaps most roomy) has
>>> always being a 2 cylinder '72 Honda 600. Now Honda cars seem big, fat
>>> and stupid, except for the Fit.
>>
>> I think that uses Honda's Variable Valve Timing tuned for optimal
>> mileage. The Civic HX used the same technology, I think that works
>> better in the smaller car. Seems like they had some emissions issue
>> with that also, perhaps NOx.
>>
>> Next I like the 3 cyl. Geo Metro.
>>
>>
>> I have a friend who has 3 of them. At least that's what it takes to
>> keep one on the road. He has a hard time getting them to pass
>> emissions.
>>>
>>> That's all you need to go under 70mph.
>
>> I'm looking forward to the next generation of electrics.
>
> I cant see that the price will ever be viable compared
> with a very small car running on natural gas.
>
>> Eventually mass production will drive down battery costs.
>
> It hasnt with laptops.
>
>> I haven't seen a Tesla yet, but what a dream that car appears to be.
>
>> I think some time down the road you might see more hybrids of differing
>> designs. Imagine a stirling or a diesel hybrid, but battery cost has to
>> come way down.
>
> And I cant see that happening.
>
>> My gas solution is just to work at home, an increasingly popular option.
>
> True.
how does a carpenter work at home?
>
>
== 3 of 5 ==
Date: Wed, May 5 2010 9:49 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"
On May 6, 12:11 am, Walt <wka...@yahoo.com> wrote:
> On May 6, 3:14 am, "His Highness the TibetanMonkey, ComandanteBanana
> and Chief of Quixotic Enterprises" <comandante.ban...@yahoo.com>
> wrote:
>
> > On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
>
> > > If we had Monty Python Feudalism, we'd run around banging two halves
> > > of coconuts together, which has even less environmental impact than
> > > riding a bicycle. So just quit talking shit about Feudalism.
>
> > Wait a minute, wouldn't we be riding horses?
>
> The horses are SIMULATED by banging together the coconut halves. You
> haven't seen the movie? I thought you were only symbolically a
> Tibetan Monkey.
OK, OK, I'll take a look...
This one?
http://www.youtube.com/watch?v=2eMkth8FWno
Those were rough times for losers.
== 4 of 5 ==
Date: Wed, May 5 2010 9:49 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"
On May 6, 12:11 am, Walt <wka...@yahoo.com> wrote:
> On May 6, 3:14 am, "His Highness the TibetanMonkey, ComandanteBanana
> and Chief of Quixotic Enterprises" <comandante.ban...@yahoo.com>
> wrote:
>
> > On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
>
> > > If we had Monty Python Feudalism, we'd run around banging two halves
> > > of coconuts together, which has even less environmental impact than
> > > riding a bicycle. So just quit talking shit about Feudalism.
>
> > Wait a minute, wouldn't we be riding horses?
>
> The horses are SIMULATED by banging together the coconut halves. You
> haven't seen the movie? I thought you were only symbolically a
> Tibetan Monkey.
OK, OK, I'll take a look...
This one?
http://www.youtube.com/watch?v=2eMkth8FWno
Those were rough times for losers.
== 5 of 5 ==
Date: Wed, May 5 2010 9:49 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"
On May 6, 12:11 am, Walt <wka...@yahoo.com> wrote:
> On May 6, 3:14 am, "His Highness the TibetanMonkey, ComandanteBanana
> and Chief of Quixotic Enterprises" <comandante.ban...@yahoo.com>
> wrote:
>
> > On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
>
> > > If we had Monty Python Feudalism, we'd run around banging two halves
> > > of coconuts together, which has even less environmental impact than
> > > riding a bicycle. So just quit talking shit about Feudalism.
>
> > Wait a minute, wouldn't we be riding horses?
>
> The horses are SIMULATED by banging together the coconut halves. You
> haven't seen the movie? I thought you were only symbolically a
> Tibetan Monkey.
OK, OK, I'll take a look...
This one?
http://www.youtube.com/watch?v=2eMkth8FWno
Those were rough times for losers.
==============================================================================
TOPIC: ◢Hot Sale Nice Design Various Brand Handbags: Louis Vuitton,Prada,Chloe,
Chanel,etc.== http://www.tradedong.com
http://groups.google.com/group/misc.consumers.frugal-living/t/5beb513ddfec415e?hl=en
==============================================================================
== 1 of 2 ==
Date: Wed, May 5 2010 7:25 pm
From: nice
◢Hot Sale Nice Design Various Brand Handbags: Louis
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TradeDong.com is one of the biggest online commercial corporations in
Asia, committing itself to build a worldwide wholesale shop online.
Our company was originally set up in PuTian, China in 2006, aiming to
operate the business-to-customer transactions with overseas consumers.
Our brand name was originated from imitating the gurgling voice people
utter when enjoy something happy. Along with the rapid development of
electronic business in China, TradeDong has earned itself a solid
reputation for quality, reliability and professionalism in this field.
Our operation capabilities cover favorable policy, affiliate discount,
instant and safe delivery, privacy protection and well-rounded
customer support.
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== 2 of 2 ==
Date: Wed, May 5 2010 7:25 pm
From: nice
◢Hot Sale Nice Design Various Brand Handbags: Louis
Vuitton,Prada,Chloe,Chanel,etc.== www.tradedong.com
TradeDong.com is one of the biggest online commercial corporations in
Asia, committing itself to build a worldwide wholesale shop online.
Our company was originally set up in PuTian, China in 2006, aiming to
operate the business-to-customer transactions with overseas consumers.
Our brand name was originated from imitating the gurgling voice people
utter when enjoy something happy. Along with the rapid development of
electronic business in China, TradeDong has earned itself a solid
reputation for quality, reliability and professionalism in this field.
Our operation capabilities cover favorable policy, affiliate discount,
instant and safe delivery, privacy protection and well-rounded
customer support.
Louis Vuitton Handbags
Prada Handbags www.tradedong.com
Dolce & Gabbana Handbags
Chanel Handbags
Coach Handbags
Burberry Handbags free shipping paypal payment
Fendi Handbags
Hermes Handbags
Chloe Handbags
JIMMY CHOO Handbags www.tradedong.com
Juicy Handbags
Miu Miu Handbags
Versace Handbags
ED Hardy Handbags free shipping paypal payment
Tous Handbag
Dooney&Bourke Handbags
Christian Audigier Handbags
Lacoste Handbags www.tradedong.com
BOSS Handbags
welcome to our site:www.tradedong.com
TradeDong.com is one of the biggest online commercial corporations in
Asia, committing itself to build a worldwide wholesale shop online.
Our company was originally set up in PuTian, China in 2006, aiming to
operate the business-to-customer transactions with overseas consumers.
Our brand name was originated from imitating the gurgling voice people
utter when enjoy something happy. Along with the rapid development of
electronic business in China, TradeDong has earned itself a solid
reputation for quality, reliability and professionalism in this field.
Our operation capabilities cover favorable policy, affiliate discount,
instant and safe delivery, privacy protection and well-rounded
customer support.
Louis Vuitton Handbags
Prada Handbags www.tradedong.com
Dolce & Gabbana Handbags
Chanel Handbags
Coach Handbags
Burberry Handbags free shipping paypal payment
Fendi Handbags
Hermes Handbags
Chloe Handbags
JIMMY CHOO Handbags www.tradedong.com
Juicy Handbags
Miu Miu Handbags
Versace Handbags
ED Hardy Handbags free shipping paypal payment
Tous Handbag
Dooney&Bourke Handbags
Christian Audigier Handbags
Lacoste Handbags www.tradedong.com
BOSS Handbags
==============================================================================
TOPIC: Annual lump sum additional principal payment on mortgage or pay monthly?
How much better is one over the other?
http://groups.google.com/group/misc.consumers.frugal-living/t/ab333bb986f9260e?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, May 5 2010 9:28 pm
From: "John Weiss"
mike wrote:
> I currently pay $200 extra a month as additional principal on my
> mortgage. This adds up to two additional mortgage payments a year.
>
> Rather than pay the $200 a month, would it be better to do a lump sum
> payment of $2,400 at the beginning of each year, then pay the $200/
> month to myself in a bank account--to save up for the following year's
> lump sum payment? I have the $2,400 now, so I could start "today" and
> make it an annual thing.
>
> Clearly, it would be beneficial to do the lump sum vs. the monthly
> payment to knock down the outstanding loan amount quicker. But how
> much more beneficial? Significant enough to make it worthwhile over
> the course of a 30 year fixed mortgage? How can I calculate the lump
> sum savings vs. monthly payments?
The earlier you make the payment, the less interest you will pay on the
remainder, and the more principal you will pay each month thereafter.
If your interest rate is 5%, the annual interest on that $2400 is $120,
or $10/month. You will pay almost $10 more in principal every month if
you pay the $2400 up front. Not a lot, but it will add up...
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