Frugal Living: Aug 18, 2010

Wednesday, August 18, 2010

misc.consumers.frugal-living - 25 new messages in 10 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: HUFFINGTON POST
http://groups.google.com/group/misc.consumers.frugal-living/t/b1122a9022b2fe6a?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Aug 18 2010 12:01 am
From: Briana Stone

Click Here to Enter:

>>> http://better-web-247.com/2/huffington-post <<<

huffington post
the huffington post
mark zandi huffington post
huffington post inaugeral party guests
veronica conway huffington post
huffington post obama's inauguration
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marie anoinette huffington post
huffington post online
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trouble using huffington post
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the huffington post sept 21 2007
huffington post letty cotton pogrebin
the blog the huffington post
huffington post letty cott
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les gara huffington post
the blog pachacutec the huffington post
kurt elling the huffington post
huffington of the huffington post
huffington post craig's stall tourist attraction
huffington post chicago
huffington post sean lennon
huffington post web problems
daily brief huffington post
pat tillman the huffington post
tim o reilly the huffington post
huffington post jamie smith
huffington post's fundrace
eat the press the huffington post
huffington post elizabeth hasselbeck boobs
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bill maher huffington post
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michael gerson the huffington post
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frank dwyer the huffington post
the huffington post full news feed
comment policy the huffington post
deepak chopra huffington post
chris matthews the huffington post
glenn reynolds the huffington post
gerard kennedy the huffington post
the huffington post website
dick cheney the huffington post
michelle malkin the huffington post
lara logan huffington post
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mike barnicle the huffington post
yahoo slate huffington post democratic debate
jeb bush the huffington post
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kevin smith the huffington post
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jeremiah wright's whole sermon huffington post
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naomi wolf petition huffington post
the huffington post sacha vais huffs
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tony profera huffington post
washington post the huffington post
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ray lahood the huffington post
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rachel skylar huffington post
politics on the huffington post
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soviet union the huffington post
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senator washroom tourist attraction huffington post
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huffington post alec baldwin
huffington and post
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huffington post anthony profera
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huffington post article about death
huffington post donor obama
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huffington post october 2005
huffington post official
huffington post off the bus

==============================================================================
TOPIC: Good news: the peanuts are still grown in America
http://groups.google.com/group/misc.consumers.frugal-living/t/a06d936964ea2913?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Aug 18 2010 1:40 am
From: Chief Thracian

On Tue, 17 Aug 2010 15:02:22 -0700 (PDT), "His Highness the
TibetanMonkey, Creator of the Movement of Tantra-Hammock"
<nolionnoproblem@yahoo.com> wrote:

>I'm eating these peanuts in the shell, and to my surprise it has an
>American flag on the bag...

Why the surprise? Most Americans work for peanuts these days.
.
.
.
.
.
.
[ badda boom, badda bing]
.
.
.
.
.
Well, you *did* leave yourself wiiide open!

==============================================================================
TOPIC: property tax appeal denied
http://groups.google.com/group/misc.consumers.frugal-living/t/9e1036eecce34939?hl=en
==============================================================================

== 1 of 5 ==
Date: Wed, Aug 18 2010 8:52 am
From: Ohioguy

The last time we purchased a house, the city set the property
valuation at the most recent sales price for about 3 years
automatically, before it started inching up a bit.

This time around, me moved to a new city, and we purchased a house at
public auction through HUD. We got the high bid at public auction, and
I thought it would be a similar situation - submit complaint against
their valuation of the property, along with proof of the amount paid as
highest in a public auction for the property.

After waiting 4 months (they supposedly misplaced my original hearing
info, and had to set a new date when I called to ask for the results),
today I got their answer in a certified letter: no change at all. This
is despite the fact that several years before we bought it, it sold for
$113K+, and we got it for $60k this year. (including roughly $6k paid as
commision to real estate agent)

Since we paid roughly 47% less than it had sold for a number of years
back, I figured that conservatively at least a 1/3 decrease in our
property taxes could be expected. In fact, I counted on this, since the
taxes on the last place we owned were based on exactly how much we had
paid. I assumed this was normal, since it was quite easy to show how
much was paid, and further, since a public auction leaves a very public
record of how much buyers are willing to pay for a property. (hence, its
value)

Technically, since the purchase, repairs have been done that would
likely increase the value of the property. In fact, these repairs were
part of the rehab loan, and became part of our mortgage. However, even
if I used this more pessimistic valuation, or mortgage total is only
$80k - and should still merit a significant discount on the property
valuation.

Now I'm told that "have the right to appeal" within 30 days if I
would like to. Yes, I would like to. However, I'm not sure which route
would be the best way to go:

A) Ohio Board of Tax Appeals

B) Montgomery County Common Pleas

I'm also not sure if a negative judgment in one of those would
preclude us from using the other?

I guess I was assuming this would be fairly easy, with the
straightforward and recent purchase price info I had submitted, showing
how much we paid for the place at a public auction.

Anyone ever gone through this sort of thing before? If it were you,
what steps would you take to make your case?

If I succeed, I should be able to save somewhere between 30% and 45%
off of our annual property taxes.

== 2 of 5 ==
Date: Wed, Aug 18 2010 10:32 am
From: Jeff Thies

On 8/18/2010 11:52 AM, Ohioguy wrote:
> The last time we purchased a house, the city set the property
> valuation at the most recent sales price for about 3 years
> automatically, before it started inching up a bit.

In theory it is an appraisal, in practice it is comps and may take a
while to catch up. Have you looked to see taxes your neighbors are
paying? Are you out of line? What do sales look like?

Sales can be all over the place, what is selling now is on the cheap,
and much of that is cash as mortgages aren't easy to come by. Hardly
fair market value.

I have a house I'm buying for $17K assessed at $131K, the math is
different now.

Jeff

>
> This time around, me moved to a new city, and we purchased a house at
> public auction through HUD. We got the high bid at public auction, and I
> thought it would be a similar situation - submit complaint against their
> valuation of the property, along with proof of the amount paid as
> highest in a public auction for the property.
>
> After waiting 4 months (they supposedly misplaced my original hearing
> info, and had to set a new date when I called to ask for the results),
> today I got their answer in a certified letter: no change at all. This
> is despite the fact that several years before we bought it, it sold for
> $113K+, and we got it for $60k this year. (including roughly $6k paid as
> commision to real estate agent)
>
> Since we paid roughly 47% less than it had sold for a number of years
> back, I figured that conservatively at least a 1/3 decrease in our
> property taxes could be expected. In fact, I counted on this, since the
> taxes on the last place we owned were based on exactly how much we had
> paid. I assumed this was normal, since it was quite easy to show how
> much was paid, and further, since a public auction leaves a very public
> record of how much buyers are willing to pay for a property. (hence, its
> value)
>
> Technically, since the purchase, repairs have been done that would
> likely increase the value of the property. In fact, these repairs were
> part of the rehab loan, and became part of our mortgage. However, even
> if I used this more pessimistic valuation, or mortgage total is only
> $80k - and should still merit a significant discount on the property
> valuation.
>
> Now I'm told that "have the right to appeal" within 30 days if I would
> like to. Yes, I would like to. However, I'm not sure which route would
> be the best way to go:
>
> A) Ohio Board of Tax Appeals
>
> or
>
> B) Montgomery County Common Pleas
>
> I'm also not sure if a negative judgment in one of those would preclude
> us from using the other?
>
> I guess I was assuming this would be fairly easy, with the
> straightforward and recent purchase price info I had submitted, showing
> how much we paid for the place at a public auction.
>
> Anyone ever gone through this sort of thing before? If it were you, what
> steps would you take to make your case?
>
> If I succeed, I should be able to save somewhere between 30% and 45% off
> of our annual property taxes.

== 3 of 5 ==
Date: Wed, Aug 18 2010 2:28 pm
From: Napoleon

On Wed, 18 Aug 2010 11:52:25 -0400, Ohioguy <none@none.net> wrote:

> After waiting 4 months (they supposedly misplaced my original hearing
>info, and had to set a new date when I called to ask for the results),
>today I got their answer in a certified letter: no change at all. This
>is despite the fact that several years before we bought it, it sold for
>$113K+, and we got it for $60k this year. (including roughly $6k paid as
>commision to real estate agent)

Unfortunately, that is the way it is in America now. We just built a
house (2 measly bedrooms and 1 bath), and are way over-assessed at
130,000. So we went to the worthless Town of Sullivan assessor board
and had all the comps (sales and non-sales), put out in a spreadsheet,
that was easy to follow and guess what the board did? Nothing. It
looked at none of the documents and uniformily dropped 5k from
everyone's assessment that had come to complain. Yes, that was fair.
Oh, and they also lost our other assessment complaint for a vacant lot
and I had to call later and yell at the assessor. Useless. Senile.
Incompetent. I told the assessor that I want to be on the board to get
rid of those worthless people - surprise! I never heard back from her.

Anyways we are now appealing the decision.

> Technically, since the purchase, repairs have been done that would
>likely increase the value of the property. In fact, these repairs were
>part of the rehab loan, and became part of our mortgage. However, even
>if I used this more pessimistic valuation, or mortgage total is only
>$80k - and should still merit a significant discount on the property
>valuation.

The same with us. It cost us about $103,000 for the house (modular),
and another 40,000 for the foundation, excavating and utilities.
Everyone knows you can't sell your house for what you paid to build
it. It's the same as if you bought a new car and expected to sell it
for the price you paid. Ha, ha, ha. This is not 2006.

Assessment is the fair market price someone would pay for the house.
That's it. Not what you could build it for.

>
>A) Ohio Board of Tax Appeals
>B) Montgomery County Common Pleas
> I'm also not sure if a negative judgment in one of those would
>preclude us from using the other?

Not sure how Ohio works but in NY we're going small claims (Small
Claims Assessment Review). It probably doesn't matter which way you go
as long as you have all your comps and sales comps set out. All they
look at is comps. Or... they should. Again, in our case, the town
board looked at nothing, which is why we are appealing. Now we are
having a hearing with an appraiser (which should be fun). Any
appraiser with a brain would conclude that a 2 bdrm, 1 bath house on a
.19 acre lot in a crappy area of town is not worth 130,000. But then
people can do whatever they want to do.

> Anyone ever gone through this sort of thing before? If it were you,
>what steps would you take to make your case?
> If I succeed, I should be able to save somewhere between 30% and 45%
>off of our annual property taxes.

We're going through this now - the hearing is next week (after we
dropped the first hearing officer who was a liar and useless as a
post). I expect that the hearing will allow us to present our side
showing all the comps and sale comps, plus our explanation of why we
are suing, since the town assessor board is incompetent and unfair. I
know the assessor will counter with the argument that all the comps
should be assessed higher, but that doesn't matter to us, since until
ALL PROPRETIES are reassessed, our property has to be fairly assessed
with the current assessments of comp properties.

Also, make sure you read the laws and rules regarding what documents
you need to send in and to whom, since the other side can get the case
dismissed if you don't dot all your i's and cross your t's. It's
fairly simply, but takes time to compile all the stats and of course
it's going to cost you some money ($30 in our case to file).

In the hearing state your case clearly and concisely. A spreadsheet
showing your property vis-a-vis all other comps is perfect for the
hearing officer (he/she just might read it!). Let the assessor state
its side and then counter any points the assessor makes to wrap up.

We hope to save about the same amount on our property taxes, which in
NY is substantial.

Oh, BTW, we just got a letter in the mail from the assessor, stating
she is reassessing all the properties in the town. HA HA HA! Can't
wait to see that happen. She just did that because of our court case.
We are the ONLY people who have ever appealed in the town.

== 4 of 5 ==
Date: Wed, Aug 18 2010 3:29 pm
From: "John Weiss"

Ohioguy wrote:

> Now I'm told that "have the right to appeal" within 30 days if I
> would like to. Yes, I would like to. However, I'm not sure which
> route would be the best way to go:
>
> A) Ohio Board of Tax Appeals
>
> or
>
> B) Montgomery County Common Pleas
>
> I'm also not sure if a negative judgment in one of those would
> preclude us from using the other?
>
> I guess I was assuming this would be fairly easy, with the
> straightforward and recent purchase price info I had submitted,
> showing how much we paid for the place at a public auction.
>
> Anyone ever gone through this sort of thing before? If it were you,
> what steps would you take to make your case?
>
> If I succeed, I should be able to save somewhere between 30% and 45%
> off of our annual property taxes.

I've done it in King County, WA, but not in OH. Follow the appeals
process that is outlined on your assessment TO THE LETTER. Send all
correspondence via certified mail, return receipt, and keep copies.

While a real estate agent's "market analysis" may be of some help, I
found out the hard way that only a formal appraisal will be fully
recognized by the appeal board. If the cost of the appraisal is more
than the tax savings, there is little sense in filing the appeal.

== 5 of 5 ==
Date: Wed, Aug 18 2010 4:43 pm
From: "Bob F"

John Weiss wrote:
>
> I've done it in King County, WA, but not in OH. Follow the appeals
> process that is outlined on your assessment TO THE LETTER. Send all
> correspondence via certified mail, return receipt, and keep copies.
>
> While a real estate agent's "market analysis" may be of some help, I
> found out the hard way that only a formal appraisal will be fully
> recognized by the appeal board. If the cost of the appraisal is more
> than the tax savings, there is little sense in filing the appeal.

I did it with no assesment. I found comps for similar size lots (mine is big)
and detailed why my property was worth less (house size, age, view) even though
the comp sold for less than my assessment. All the data came from the King
County WA records of property sales for the beginning of the appropriate year. I
managed to knock off about 1/3 of their assessment.

==============================================================================
TOPIC: Why I don't post in moderated groups
http://groups.google.com/group/misc.consumers.frugal-living/t/ae2629ff8fff7541?hl=en
==============================================================================

== 1 of 3 ==
Date: Wed, Aug 18 2010 9:00 am
From: "Bob F"

h wrote:
> "raamman" <raamman@gmail.com> wrote in message
> news:327aed87-c862-4419-b85b-fba5f26a1478@l20g2000yqm.googlegroups.com...
>
>> the reason why you don't post in moderated groups is clear- you do,
>> you just can't get past the mods
>
> Asshats like Monkey Brain are the reason I wish all groups were
> moderated.

If asshats like you would block him, I'd never see his posts.

== 2 of 3 ==
Date: Wed, Aug 18 2010 12:53 pm
From: "His Highness the TibetanMonkey, Creator of the Movement of Tantra-
Hammock & the Stationary Bicycle to burn the calories"

On Aug 17, 11:58 pm, Jym Dyer <j...@econet.org> wrote:
> > the reason why you don't post in moderated groups is clear-
> > you do, you just can't get past the mods
>
> =x= Under the name "Millenium Twain," this lunatic posted his
> off-topic drivel to every bicycle-related email list he could
> find. Since most of these fora are reasonably tolerant, they
> let him slide a bit, but eventually he was banned from all of
> them. Every last one of them.
>
> =x= Even the ones that weren't moderated turned moderation on
> for the sole purpose of getting rid of him.
>
> =x= So he's stuck cross-posting his insane off-topic drivel
> that nobody cares about, to unmoderated Usenet newsgroups.
> Fortunately, Usenet has the most highly-developed filtering
> on the planet, so we have the option of simply not noticing
> that he even exists.
> <_Jym_>

I think you are confusing this Millennium Twain with the one and only
Wise Tibetan Monkey.

You like "light" entertainment here, but I brought the real show. It's
circus with lion and everything. ;)

See new topic about mosque and McDonald's... It's the real thing, not
BS.

== 3 of 3 ==
Date: Wed, Aug 18 2010 3:39 pm
From: The Real Bev

On 08/17/10 15:06, h wrote:

> "raamman"<raamman@gmail.com> wrote:
>
>> the reason why you don't post in moderated groups is clear- you
>> do, you just can't get past the mods
>
> Asshats like Monkey Brain are the reason I wish all groups were
> moderated.

Bite your tongue. Moderation kills newsgroups. Trust me on this.
Just killfile the loons. If you're even more serious, killfile any post
that originates from within googlegroups.

--
Cheers, Bev
===========================================
Lawyering: the only profession that if you
didn't have it you wouldn't need it.

==============================================================================
TOPIC: Poll: iPhone users have more deviant sex
http://groups.google.com/group/misc.consumers.frugal-living/t/49b524b792fd478a?hl=en
==============================================================================

== 1 of 3 ==
Date: Wed, Aug 18 2010 9:02 am
From: "Carl"

Cindy Hamilton wrote:
> On Aug 16, 8:21 pm, hun...@nowhere.com (Hunter) wrote:
>> iPhone users are total pervs!
>>
>>
> I gotta get me an iPhone, then.
>
> Whoo hoo!
>
I'd find out what a Dirty Sanchez is first if I were you... :-)

== 2 of 3 ==
Date: Wed, Aug 18 2010 10:00 am
From: Cindy Hamilton

On Aug 18, 12:02 pm, "Carl" <croth...@NOSPAMoptonline.net> wrote:
> Cindy Hamilton wrote:
> > On Aug 16, 8:21 pm, hun...@nowhere.com (Hunter) wrote:
> >> iPhone users are total pervs!
>
> > I gotta get me an iPhone, then.
>
> > Whoo hoo!
>
> I'd find out what a Dirty Sanchez is first if I were you... :-)

$20, same as downtown

== 3 of 3 ==
Date: Wed, Aug 18 2010 3:56 pm
From: "el KaBong"

"Hunter" <hunter@nowhere.com> wrote in message
news:i4ckls$tsq$1@news.mixmin.net...
> iPhone users are total pervs!
>
> http://bit.ly/cjc6YD
>
>

Gee, I read it on the internet, it must be true.

==============================================================================
TOPIC: SSN for Job Applications
http://groups.google.com/group/misc.consumers.frugal-living/t/20cfbcd56071ad93?hl=en
==============================================================================

== 1 of 4 ==
Date: Wed, Aug 18 2010 9:20 am
From: "h"

"Bill" <billnomailnospamx@yahoo.com> wrote in message
news:8d11d1Fb5fU1@mid.individual.net...
> And I found an interesting trend! Violent movies are usually not rewound.
> Whereas the other movies are mostly rewound...
>
> Perhaps people who like violent movies tend to not plan ahead or may be
> self-centered or lack patience?
>
> Anyway, ask what their 5 favorite movies are. I wonder if you will see a
> correlation between types of movies liked and credit / criminal background
> checks?
>
Nope. I'm a middle-aged female who adores action (violent) flicks and I have
excellent credit (805, last time I checked) and no criminal record. Not even
a traffic ticket. Oh, and I ALWAYS rewind tapes, even the ones I own.
So...correlation unlikely.

== 2 of 4 ==
Date: Wed, Aug 18 2010 9:23 am
From: "Bob F"

Napoleon wrote:
> On Fri, 13 Aug 2010 15:46:44 -0400, George <george@nospam.invalid>
> wrote:
>
>> I just don't get the direction we are going in where so many people
>> don't seem to have a personal identity and feel the need to tell
>> everyone everything they do.
>
> America is gone. Fascist state. But nobody cares. Oh well.
>
> I could tell you about the new drunk driving law they passed in NY
> that requires one convicted of a DUI (even a misdeameanor) to install
> a breathalizer in the car, which will activate the horn every ten
> minutes and require the perp to pull over and breath into the thing
> again.

Must be really popular when the neighbors are sleeping.

== 3 of 4 ==
Date: Wed, Aug 18 2010 3:23 pm
From: The Real Bev

On 08/18/10 09:20, h wrote:

> "Bill"<billnomailnospamx@yahoo.com> wrote in message
> news:8d11d1Fb5fU1@mid.individual.net...
>> And I found an interesting trend! Violent movies are usually not rewound.
>> Whereas the other movies are mostly rewound...
>>
>> Perhaps people who like violent movies tend to not plan ahead or may be
>> self-centered or lack patience?
>>
>> Anyway, ask what their 5 favorite movies are. I wonder if you will see a
>> correlation between types of movies liked and credit / criminal background
>> checks?
>>
> Nope. I'm a middle-aged female who adores action (violent) flicks and I have
> excellent credit (805, last time I checked) and no criminal record.

Likewise. Action, though, not gore. T2 is one of my favorites.

> Not even
> a traffic ticket. Oh, and I ALWAYS rewind tapes, even the ones I own.
> So...correlation unlikely.

I seem to remember that we always rewound rental tapes back in the dark
ages.

What's sad is buying used tapes at yard sales and discovering stuff like
wedding pictures or a trip to the beach... A used camera came with an
8-meg SD card with pictures from 2003 of some kids' volleyball and
soccer games. I managed to track down the school and sent the admin
office an email, but they haven't answered yet. I'd like to think that
people saved their pix, but I can't be sure.

The movie of somebody's colonoscopy was interesting and informative,
though. They use something like a noose on the end of a stick to snip
off the polyps.

--
Cheers, Bev
===========================================
Lawyering: the only profession that if you
didn't have it you wouldn't need it.

== 4 of 4 ==
Date: Wed, Aug 18 2010 4:41 pm
From: "h"

"The Real Bev" <bashley101@gmail.com> wrote in message
news:i4hmhl$d8s$1@news.eternal-september.org...
> On 08/18/10 09:20, h wrote:
>
> Likewise. Action, though, not gore. T2 is one of my favorites.
>

I hate horror movies, unless they're vampire flicks. I have a huge
collection going back as far as the 1922 Nosferatu, the Bela Lugosi Dracula,
etc. That said, the current trend of teeny bopper vampires in film and tv is
the opposite of interesting. Boring to the max. Give me True Blood over
teenage angst any day. Buffy, although a teenager, had adult issues and
problems. Also, some of the best toss-off literary references on tv. Usually
by the "adults", but still.

Spike: "Well, not exactly the St. Crispin's Day speech, was it?"
Giles: "We few, we happy few".
Spike: "We band of buggered".

Ok, so I'd read Henry V when I was 11 (my mother was an English/Drama
teacher), but I suspect most of Buffy's "target audience" had it fly over
their heads like a 747. The main reason I kept watching Buffy is that there
was at least one ROTFLMFAS moment every episode. So much better than the
average show.

==============================================================================
TOPIC: u.k & arab school girls loose virginity in first sex.
http://groups.google.com/group/misc.consumers.frugal-living/t/d9d3076e879c38dd?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Aug 18 2010 11:06 am
From: daren gaff

u.k & arab girls loose virginity with teen boy friends .little pain
but Enjoyed well in first sex.
Due to heavy sex content, I have "HIDDEN" all (150) videos in "BIG
IMAGE" at the
"TOP RIGHT SIDE" of "MY BLOG". "CLICK THAT BIG IMAGE"….then open all
hidden videos…see and download.

My blog is http://everyoneneeds.co.cc/

==============================================================================
TOPIC: Best solder free electrical connection
http://groups.google.com/group/misc.consumers.frugal-living/t/11e5e6461418f740?hl=en
==============================================================================

== 1 of 5 ==
Date: Wed, Aug 18 2010 12:47 pm
From: "hr(bob) hofmann@att.net"

On Aug 18, 12:45 am, "Michael A. Terrell" <mike.terr...@earthlink.net>
wrote:
> Fred McKenzie wrote:
>
> > What about threading tiny self-tapping screws into the holes in the
> > rivets that connect the lugs to the contacts?
>
> How are you going to keep oxygen out of the threads?

If the screws are big enough, they will be in direct contact with the
other metal. That should last at least 10 years which is much more
than the life of a typical child's toy the OP described.

== 2 of 5 ==
Date: Wed, Aug 18 2010 12:58 pm
From: Cydrome Leader

In sci.electronics.repair john hamilton <bluestar95@mail.invalid> wrote:
> I have to connect this AAA battery holder to a toy. Although I have a small
> soldering iron, my soldering skills are poor. I can see myself easily
> melting all the plastic around the contacts before I can get anything to
> stick to the tabs. (The part of the tabs with the small hole will bend
> upwards giving some clearence).
>
> http://tinypic.com/r/iqx3pf/4
>
> My immediate plan is to poke a few strands of wire through the holes in the
> connection tabs twist and then apply some nail varnish to stop it unwinding.
> Since its a toy it does not need to be totally foolproof.
>
> If anyone had any ideas that were a bit more sophisticated I would be
> gratefull. Thanks.

crimp, swage or weld?

soldering is as easy as it's going to get for something like a battery
holder.

== 3 of 5 ==
Date: Wed, Aug 18 2010 1:55 pm
From: The Daring Dufas

On 8/16/2010 12:43 PM, john hamilton wrote:
> I have to connect this AAA battery holder to a toy. Although I have a small
> soldering iron, my soldering skills are poor. I can see myself easily
> melting all the plastic around the contacts before I can get anything to
> stick to the tabs. (The part of the tabs with the small hole will bend
> upwards giving some clearence).
>
> http://tinypic.com/r/iqx3pf/4
>
> My immediate plan is to poke a few strands of wire through the holes in the
> connection tabs twist and then apply some nail varnish to stop it unwinding.
> Since its a toy it does not need to be totally foolproof.
>
> If anyone had any ideas that were a bit more sophisticated I would be
> gratefull. Thanks.
>
>

If you are familiar with faston connectors, you can trim the
terminals with scissors or wire cutters so a connector will
slip on to them. The connectors are available in many sizes
with the 1/4" being the most common. I believe The Shack,
formally Radio Shack carries several sizes. Here's a link
to a manufacturer that produces many types so you can see
what I'm referring to:

http://www.etco.com/category.php?cat=18&div=ep&l=e

TDD

== 4 of 5 ==
Date: Wed, Aug 18 2010 2:28 pm
From: "Michael A. Terrell"

"hr(bob) hofmann@att.net" wrote:
>
> On Aug 18, 12:45 am, "Michael A. Terrell" <mike.terr...@earthlink.net>
> wrote:
> > Fred McKenzie wrote:
> >
> > > What about threading tiny self-tapping screws into the holes in the
> > > rivets that connect the lugs to the contacts?
> >
> > How are you going to keep oxygen out of the threads?
>
> If the screws are big enough, they will be in direct contact with the
> other metal. That should last at least 10 years which is much more
> than the life of a typical child's toy the OP described.

That depends on how well sealed the cheap batteries are.

== 5 of 5 ==
Date: Wed, Aug 18 2010 3:55 pm
From: clare@snyder.on.ca

On Wed, 18 Aug 2010 01:45:44 -0400, "Michael A. Terrell"
<mike.terrell@earthlink.net> wrote:

>
>Fred McKenzie wrote:
>>
>> What about threading tiny self-tapping screws into the holes in the
>> rivets that connect the lugs to the contacts?
>
>
> How are you going to keep oxygen out of the threads?
Not important. If they are tight (and dry) there will be no
corrosion.

==============================================================================
TOPIC: Is a Mosque at Ground Zero equivalent to a McDonald's in Baghdad?
http://groups.google.com/group/misc.consumers.frugal-living/t/423e285d607ff4c7?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Aug 18 2010 12:49 pm
From: "His Highness the TibetanMonkey, Creator of the Movement of Tantra-
Hammock & the Stationary Bicycle to burn the calories"

(And what this has to do with public transportation and bicycles? Like
one Email they read at NPR yesterday said, "The cost of the war is the
lack of infrastructure in this country")

Curious George wants to know. Do we even have one? Let's see...

http://www.associatedcontent.com/article/123031/george_bushs_new_iraq_plan_includes.html

Yep, we do. Coming from above, the man to started it all. Sorry, don't
even bother with the Constitution, we must take it because...

'It's the Golden Rule: "Do unto others as you would have others do
unto you." It is the ultimate norm of high morality in our culture.
Sure there are other morals by which we live, but this one phrase
embodies our most cherished value: that we should treat people as we
would like to be treated.'

http://www.elroy.net/ehr/dountoothers.html

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

THE WISE TIBETAN MONKEY SAYS

"Never steal a banana from your neighbors"

http://webspawner.com/users/BANANAREVOLUTION

==============================================================================
TOPIC: Straight Talk Prepaid: Unsolicited texts from TWC
http://groups.google.com/group/misc.consumers.frugal-living/t/24e5e022bbb4e742?hl=en
==============================================================================

== 1 of 1 ==
Date: Wed, Aug 18 2010 3:34 pm
From: The Real Bev

On 08/17/10 11:07, me@privacy.net wrote:

> The Real Bev<bashley101@gmail.com> wrote:
>
>>They don't have a phone number where you can actually talk to a real
>>human? Cancel the bastards on the spot!
>
> Agree
>
> Thinking of using my months of calls up and just shit
> canning the whole thing

As an aside, you know about Google Voice, right? Free LD calls
(including local LD, which ALWAYS costs more than far-away LD) from your
regular phone. Up yours, AT&T! A definite plus is the email you get
with speech-to-text translations of your voicemail. Not yet ready for
prime time, but good enough for most purposes.

--
Cheers, Bev
===========================================
Lawyering: the only profession that if you
didn't have it you wouldn't need it.

==============================================================================

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Google Groups: http://groups.google.com/?hl=en

misc.consumers.frugal-living - 15 new messages in 10 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:

== 1 of 3 ==
Date: Tues, Aug 17 2010 2:07 pm
From: "His Highness the TibetanMonkey, Creator of the Movement of Tantra-
Hammock & the Stationary Bicycle to burn the calories"

On Aug 17, 1:26 pm, raamman <raam...@gmail.com> wrote:
> On Aug 16, 10:42 am, "His Highness the TibetanMonkey, Creator of the
> Movement of Tantra-Hammock" <nolionnoprob...@yahoo.com> wrote:
>
>
>
> > (You know, gone are the days of the hunter-gatherer, when everyday was
> > an adventure. Now we live in boredom and junk food, but there's still
> > a realm for real hunting: the Internet. Not everywhere in the
> > Internet, but in the UNmoderated groups where you can throw your
> > arrows and spears. The big mammoths are also here: You can read the
> > official media that tell you the official version of the world, not at
> > all like the Darwinian Jungle that it is. The "good guys" are not so
> > good and the "bad guys" are not so bad in the real world. But they all
> > try to survive in the jungle, and those who ignore those laws end up
> > like Hussein. He wasn't a good guy for sure, but we was a good friend
> > of the good guys, if you know what I mean. Anyway, my intention is not
> > to give a sermon in the introduction)
>
> > On Aug 16, 6:27 am, Trance Gemini <trancegemi...@gmail.com> wrote:
>
> > > Hey Comandante,
>
> > > You should probably check out this thread on the Mod Board.
>
> > >http://groups.google.com/group/atheism-vs-christianity-moderator-foru...
>
> > > Feel free to comment if you wish.
>
> > Hey Gemini, once again thank you for your kind remarks.
>
> > But I can shed some light into it:
>
> > a) The Christians don't like what I say,
>
> > b) They have nothing to say and hate satire (let them eat the banana,
> > huh?),
>
> > c) They want to shut up the opposition, Taliban style.
>
> > Sometime I debate whether a bicycle topic, for example, should be
> > included, I post it and I get the most rewarding fruits. One thing
> > they don't understand --or perhaps because they do they want me out--
> > I'm proposing a NEW WISDOM --call it common sense if you wish-- but it
> > helps SURVIVE & LIVE in this jungle. We know this is a jungle not
> > because of the Devil, but in large part because of the indifferent and
> > stupid Christians.
>
> > I can even voluntarily abandon this group, since I sincerely don't
> > get along with moderation. I'm a free spirit and will remain so. As
> > you know there are other groups where I post like "alt.atheism" or
> > "rec.bicycles.misc." Some like it, some don't. That's freedom!
>
> > In my JUNGLE WISDOM --just like in the real jungle-- there's a
> > connection of everything to everything else. To me, fighting God is a
> > moot point. I find hunting for the lies (lie-on) and hypocrisy most
> > interesting. Why the Christians, for example, turn a blind eye to our
> > War on Drugs. That would also be off topic.
>
> > So in other words, my dear Gemini, hasta la vista! See you here... ;)
>
> >http://atom.smasher.org/streetparty/?l1=Coming+Soon%3A&l2=the&l3=Bana...
>
> >http://webspawner.com/users/BANANAREVOLUTION
>
> the reason why you don't post in moderated groups is clear- you do,
> you just can't get past the mods

Sorry, that is not the case here. The moderator agrees with me, loves
me ideas, but it may create a crisis for her where the Christian/
Republican/Talibans don't want to hear the truth and threaten to quit.

That's not how you can change the system.

== 2 of 3 ==
Date: Tues, Aug 17 2010 3:06 pm
From: "h"

"raamman" <raamman@gmail.com> wrote in message
news:327aed87-c862-4419-b85b-fba5f26a1478@l20g2000yqm.googlegroups.com...

>the reason why you don't post in moderated groups is clear- you do,
>you just can't get past the mods

Asshats like Monkey Brain are the reason I wish all groups were moderated.

== 3 of 3 ==
Date: Tues, Aug 17 2010 11:58 pm
From: Jym Dyer

> the reason why you don't post in moderated groups is clear-
> you do, you just can't get past the mods

=x= Under the name "Millenium Twain," this lunatic posted his
off-topic drivel to every bicycle-related email list he could
find. Since most of these fora are reasonably tolerant, they
let him slide a bit, but eventually he was banned from all of
them. Every last one of them.

=x= Even the ones that weren't moderated turned moderation on
for the sole purpose of getting rid of him.

=x= So he's stuck cross-posting his insane off-topic drivel
that nobody cares about, to unmoderated Usenet newsgroups.
Fortunately, Usenet has the most highly-developed filtering
on the planet, so we have the option of simply not noticing
that he even exists.
<_Jym_>

== 1 of 1 ==
Date: Tues, Aug 17 2010 3:02 pm
From: "His Highness the TibetanMonkey, Creator of the Movement of Tantra-
Hammock"

I'm eating these peanuts in the shell, and to my surprise it has an
American flag on the bag... It has been a long time I have seen that
"Proudly made America" still seen a few years ago. I assume nowadays
things are "Proudly made in China" for the proud Americans who shop at
Walmart.

Anyway that while we still have peanuts grown and toasted in America
(not sure if they were toasted here), we have reason for hope... the
Peanuts Revolution. We all can be happy with peanuts!

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

THE WISE TIBETAN MONKEY SAYS

"Living on peanuts is the best way to pull through tough times"

http://webspawner.com/users/BANANAREVOLUTION

== 1 of 4 ==
Date: Tues, Aug 17 2010 3:33 pm
From: Tabby

On Aug 16, 6:43 pm, "john hamilton" <bluesta...@mail.invalid> wrote:
> I have to connect this AAA battery holder to a toy. Although I have a small
> soldering iron, my soldering skills are poor. I can see myself easily
> melting all the plastic around the contacts before I can get anything to
> stick to the tabs. (The part of the tabs with the small hole will bend
> upwards giving some clearence).
>
> http://tinypic.com/r/iqx3pf/4
>
> My immediate plan is to poke a few strands of wire through the holes in the
> connection tabs twist and then apply some nail varnish to stop it unwinding.
> Since its a toy it does not need to be totally foolproof.
>
> If anyone had any ideas that were a bit more sophisticated I would be
> gratefull. Thanks.

If you really cant solder it, wrap the wire through the tags, then
round them a couple of times, then slide a bit of stretched rubber
tube over it. Solder's best though.

== 2 of 4 ==
Date: Tues, Aug 17 2010 4:00 pm
From: Matty F

On Aug 18, 3:15 am, jeff_wisnia <jwisniaDumpThisP...@conversent.net>
wrote:
> john hamilton wrote:
> > I have to connect this AAA battery holder to a toy. Although I have a small
> > soldering iron, my soldering skills are poor. I can see myself easily
> > melting all the plastic around the contacts before I can get anything to
> > stick to the tabs. (The part of the tabs with the small hole will bend
> > upwards giving some clearence).
>
> >http://tinypic.com/r/iqx3pf/4
>
> > My immediate plan is to poke a few strands of wire through the holes in the
> > connection tabs twist and then apply some nail varnish to stop it unwinding.
> > Since its a toy it does not need to be totally foolproof.
>
> > If anyone had any ideas that were a bit more sophisticated I would be
> > gratefull. Thanks.
>
> Hey fellas, don't you think we've about saucered and blowed this thread
> by now? <G>
>
> Jeff (Who's been soldering stuff for about 62 years now.)

I used to have trouble with bigger soldering jobs. I could never get
enough heat into the objects being soldered.
I have no problem now that I made a solder pot:
http://i47.tinypic.com/2yyqq6w.jpg
It's sitting on a 1000 watt stove element. I have a little lid for it
so we don't poison too many people with lead!

== 3 of 4 ==
Date: Tues, Aug 17 2010 6:54 pm
From: Jeffrey Angus

On 8/17/2010 6:00 PM, Matty F wrote:
> It's sitting on a 1000 watt stove element. I have a little lid for it
> so we don't poison too many people with lead!

Melt lead in a well ventilated area and exhaust fumes to the outside.
Air movement that is sufficient to carry away the wisp of smoke from an
extinguished match is generally considered sufficient ventilation. Lead
melts at 621 degrees (F). When lead is molten, it releases minute
amounts of vapors at a progressive rate as temperatures are increased.
Harmful levels of lead vaporization are believed to occur at elevated
temperatures above 1800 degrees (F). Only lower temperatures between
700-800 degrees are normally needed to cast lead hobby parts. Most
melting equipment sold to hobbyists will not raise temperatures much
above 900 degrees. Minimize vaporization by operating melters at the
lowest temperature that gives good results.

Unless you've got your solder pot cranked up well over 800 F I don't
think you're going to be sucking up any lead vapors.

Jeff

== 4 of 4 ==
Date: Tues, Aug 17 2010 10:45 pm
From: "Michael A. Terrell"

Fred McKenzie wrote:
>
> What about threading tiny self-tapping screws into the holes in the
> rivets that connect the lugs to the contacts?

How are you going to keep oxygen out of the threads?

==============================================================================
TOPIC: Is it worth it?
http://groups.google.com/group/misc.consumers.frugal-living/t/9a6902a43392b7ce?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 17 2010 5:51 pm
From: "Lou"

"MAS" <mas@bbbb.net> wrote in message news:i49r8h$gj5$1@news.datemas.de...
> A local bank has offered to give me $100.00, if I open a checking
> account with at least $25.00 and either make 5 debit card transactions
> or 1 automatic deposit within 60 days. The $100.00 will be reported as
> interest income. Each debit card transaction is charged $0.25. You
> must keep the account open for at least 6 months. I didn't see anything
> about a minimum balance required. All of my financial stuff is set up
> through a credit union. If I go through with this, I would do an
> automatic deposit, maybe $10.00 of each paycheck. Is it worth the hassle?
>
It wouldn't be worth it to me - I'm satisfied with my banking arrangements
and don't so much as look at offers of this sort. Only you can judge if the
effort involved is worth the money offered.

I don't use debit cards, but it would be easy enough to put enough money
into the account to do the weekly grocery shopping and pay with the debit
card. Just because you have set up your financial stuff through a credit
union doesn't mean you can't change if a better deal comes along.

I'd suggest you be sure of the minimum balance requirements, and if any
interest is paid on the account.

== 1 of 1 ==
Date: Tues, Aug 17 2010 6:30 pm
From: SMS

On 17/08/10 11:11 AM, me@privacy.net wrote:
> SMS<scharf.steven@geemail.com> wrote:
>
>
>> restrictions against tethering). The drawbacks to StraightTalk are a)
>> the very limited handset selection, and b) the total lack of off-Verizon
>> network roaming.
>
> Agree. Their handset selection sucks. In fact I am now
> having problems with the cheap handset I bought (LG
> 100c). It has "buzz" or some kind of distortion when
> people are taking to me!!!
>
>
>> The T-Mobile $10/year after $100 is a very good deal for those that use
>> the phone very little and that can live with the T-Mobile and the
>> permitted GSM roaming coverage, but it's not a good plan for those that
>> use a lot of minutes because the per-minute rate is high. PagePlus is
>> the best prepaid option for big talkers as well as those that want the
>> best coverage, but they don't offer any unlimited data plans like
>> StraightTalk.
>
> I have a T Mobile prepaid account as well.
>
> I DID have Page Plus for awhile but they do NOT sell a
> candy bar style handset (which I like best)...so dumped
> them too.

It doesn't matter what PagePlus sells, you can find any old Verizon
candy bar style handset and activate it.

> I may have to stick with GSM phones and look for a 3rd
> party GSM mvno.

The choices are all poor for GSM MVNOs on AT&T. You could check out Red
Pocket ("http://www.redpocketmobile.com/").

==============================================================================
TOPIC: replacement car tires
http://groups.google.com/group/misc.consumers.frugal-living/t/f3c01c800d47b4a2?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 17 2010 6:39 pm
From: "The Henchman"

"Ohioguy" <none@none.net> wrote in message
news:D69ao.70719$3%3.37717@newsfe23.iad...
>> Either you are driving a lot, your car has poor suspension or you must be
>> buying really poor grade tires. At 120k miles, I've only replaced two of
>> the original tires on my Pilot (at 95k).
>
> It's mostly that I visually inspect the tires, which sit out in the sun
> all the time. Once I start to see even a tiny bit of cracking in the
> rubber sidewalls, I'll replace them. The used tire places probably love
> getting my tires, because they still have a lot of tread on them.
>
> In other words, we probably only put half of the wear on them that we
> could get. However, I don't think that $250 every 2 or 2.5 years is too
> much to spend in order to make sure the tires have good traction, and that
> a blowout our something is less likely when we take a long trip. Of
> course, now that the cost is getting up closer to $400, I'm less likely to
> replace them this often.

What kind of car are you driving where you only spend $400 for 4 tires? is
it a Civic or Corolla or cavalier/colbalt or Focus?? You never told us
what this car is you drive. $400 sounds reasonable for a compact car with
15 inch steel wheels and 9 inch brake rotors.

As far as I am concerned $250 for 4 tires is a death wish and your auto
insurance company might not want to honour your policy should you get into
an accident and hurt yourself, your family, or bystander due to unsafe
tires.

If you are a hillbilly type like my own father who only drives once a week
into town for provisions and bullets and new underwear then $250 for 4 tires
is reasonable, but if you drive more than 1000 miles a month, you will be
taking your life into your hands with $60 tires in this day in age.

==============================================================================
TOPIC: Substitute for cinder blocks in making temporary bookshelves?
http://groups.google.com/group/misc.consumers.frugal-living/t/92981ff9ab48c4ff?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 17 2010 6:52 pm
From: gheston@hiwaay.net (Gary Heston)

In article <89b2c1d5-6c10-478f-a19d-3b1ce39597a1@u26g2000yqu.googlegroups.com>,
mike <mikeerdas@yahoo.com> wrote:
[ ... ]
>Cinder blocks are also too tall for paperbacks. Using them would
>result in wasted wall space. Is there anything else I can pick-up
>cheaply at my local Home Depot or Lowes to substitute for cinder
>blocks? Something that would accommodate paperbacks without the wasted
>space.

Use bricks instead, stacked three or four high between shelves. Two on
edge, stacked, might also work.

Gary

--
Gary Heston gheston@hiwaay.net http://www.thebreastcancersite.com/

If you want to reduce the level of carbon dioxide in the atmosphere,
go plant trees.

==============================================================================
TOPIC: Culligan US-600A Under-Sink Filter Review & Install Guide With Pictures
http://groups.google.com/group/misc.consumers.frugal-living/t/f74aa9c2c43f0078?hl=en
==============================================================================

== 1 of 1 ==
Date: Tues, Aug 17 2010 6:55 pm
From: "The Henchman"

"Paul Michaels" <paulmichaels79uf@gmail.com> wrote in message
news:479df554-e780-4653-bd50-efe6e83e90a0@l20g2000yqm.googlegroups.com...
> I just installed a Culligan US-600A under sink drinking water filter
> in our new place to help remove some of the chlorine smell and odor
> from the water.
>
> It was a relatively easy procedure especially since I have experience
> with two other Culligan products in our last home. I deviated from the
> instructions a bit this time to make removal and original flow
> restoration easier two years from now when we move again.
>
> Here's the gallery -
> http://www.paulstravelpictures.com/Culligan-US-600A-Under-Sink-Drinking-Water-Filter-Installation-Guide
>
> The water tastes much better now and we can start saving money by not
> buying anymore bottled water or wasting energy heating up ice cold
> water from the Brita pitcher for tea.

Culligan is known is have deceptive salespeople and poor service. Culligan
has been bought and sold by many companies at least 7 times in the last 20
years. They've been bankrupted twice that I know of.

I would suggest Ecowater Systems for water filtration needs. They are
backstopped by Warren Buffet's Berkshire Hathaway no less.

== 1 of 1 ==
Date: Tues, Aug 17 2010 8:12 pm
From: "Bill"

> Yes. This is what HR does. No brain involved, as whould be obvious to
> anyone who has spent any time with an HR person. When you get 300 resumes
> for one opening, you HAVE to figure out a way of getting rid of all but 20
> real candidates.

I found a possible new way to get some insight into those job applicants!

I've been buying tons of used VCR tapes at yard sales for 50 cents each. I
check each tape to be sure it works before I put it on my shelf...

And I found an interesting trend! Violent movies are usually not rewound.
Whereas the other movies are mostly rewound...

Perhaps people who like violent movies tend to not plan ahead or may be
self-centered or lack patience?

Anyway, ask what their 5 favorite movies are. I wonder if you will see a
correlation between types of movies liked and credit / criminal background
checks?

== 1 of 1 ==
Date: Wed, Aug 18 2010 12:01 am
From: Briana Stone

Click Here to Enter:

>>> http://better-web-247.com/2/huffington-post <<<

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Wednesday, August 18, 2010

misc.consumers.frugal-living - 25 new messages in 10 topics - digest

misc.consumers.frugal-living - 15 new messages in 10 topics - digest