Under Regulation E and the Electronic Fund Transfer Act, banks must strictly comply with various provisions of the regulations and the EFTA. You should not be charged any overdraft fees if the charges that you charged after notifying the bank of the error would not have exceeded your available funds of your accounts.
You did not say how much money you've lost. But the bank should give you provisional of ALL the money that you claimed as error or unauthorized, not just some of it. You should consult a consumer law attorney if you think it is necessary. Some attorneys will take the case on a contingency basis if they believe you have a case.
Post #7 in this thread was authored by someone who thinks they know the stock market better than others. What's funny is the links he provided takes you to pieces he wrote in which he makes a stock market prediction which is just way off the mark and then a funny follow up statement in the next linked story.
"...just that for the next 60 days we have a downward bias in the market."
In August he predicted both September and October to be dismal months for the markets. He was inarguably wrong about the September call. Dead wrong. October has certainly gotten off to a promising start. Appears he will be wrong. Again.
The second link takes you to another worthless piece by this author who stated the following:
"First let me say I have absolutely no idea which way the market is going to go."
I guess I would say two things about this. First, you have proven conclusively in the first piece you linked that you, indeed, have no clue about which way the market is going. Second, if you admit that you are clueless as to the direction the markets will take why are you making multi-month predictions about the direction of the stock market? You are a joke.
So here is my recommendation - don't bother with any predictions or lend any value what so ever to the market calls or supposed insight of the individual who produced post #7.
I really don't see the competition at all here. I have a bank debit card: it's free, my account is free, I don't have a minimum required amount, and I've never once had an overdraft fee. Seriously, how do these prepaid cards even stack up if you shopped around for a good bank in the first place?
When I first moved to a new city to pursue graduate studies it was the first time I was living in my own apartment. I turned to craigslist for furniture and everything else I would need for my apartment. My apartment was all ready to go for under $500!
For some folks it's about more than the fees. I think the risk of overdraft fees alone usually can make the prepaid accounts competitive. But, there are other factors that make prepaid accounts attractive.
Customer Service: In my experience, banks are less interested in satisfying their customers because of all the inroads to other accounts and because of the longer-term relationship. They assume you will be a customer for a long time and treat you that way as well.
Benefits: Most prepaid accounts have additional benefits. My account gives me wireless credits. My other account gives me a much higher savings rate than I can get at a bank right now. So, there are other reasons to use these cards that banks just don't seem to be on the ball with.
I've only been once (actually to a recycling center), but I got a half-dozen pots for under $2. Some "thrift" stores are definitely more expensive than others, and some overcharge for some items and have great deals for others. For example, I went to my local SOS yesterday to drop off some stuff, and had a browse around while I was at it. Much of the basic women's clothing (denim skirts, casual shirts) was in the range of $15-$20. Yup, used clothing in a thrift store, more expensive than comparable brand-new clothes at a variety store! But they had great deals on books, which ranged from 50c-$1 for softcover, and $2-$4 for hardcover, including lots of bestsellers. I guess what I'm saying is -- just because you shop at thrift stores, doesn't mean you shouldn't keep an eye on prices. :)
Unintelligent? Don't you think that is harsh? As on of your basement neighbors, I take issue with that. Uneducated about alternatives to the rigors of the Puritan work ethic? Definitely. Raised from the cradle to think our greatest value was provided by the work we do outside the home? Absolutely. Trying hard to do the best we can and bearing the brunt of worldwide criticism no matter how much we try? Pretty much.
Look. No people is perfect and Americans are just like anyone else. Some of us work to hard and are in pursuit of all the material goods and some of us are trying to break that cycle and raise our children to make different choices and, yes, demand different circumstances for working out of the home.
To insult us and call us "fairly unintelligent" and paint us all as universally "materialist" is poorly done of you.
Thank you everybody for the inspiring conversation!
@Alicia #37 - what a wonderful contribution. Well thought out and well written! Cheers.
@Guest - I believe that people in the States pay slightly less in income tax than UK/Canadian/Aussie citizens who have socialized health care. (But then again, most of that savings goes to private health care premiums/hospital visits)!
You can tell people not to do this, but if they need cash and the only machine around is a swipe, they're going to use it. If they make a hassle to find a "suck in" machine (and I haven't even seen many of these around at all), then they're just being paranoid.
Also, I'd imagine that the card reader works just by having the card go through it, so it probably wouldn't be difficult at all to place a reader at the opening of a "suck in" slot, as long as the card passes through it.
I just always sort of cup my hand over the numbers when I'm entering my PIN, because you never know who could be watching you from behind.
A trust betrayed? Gone for veterans are the check and balances within and between our branches of government that so many have died for! Please hold your U.S. House and Senate members responsible. Thank you.
In 1994 the Chief Judge of Congress’s 1988 established Court of Veterans Appeals stated that the, "Constitution, Statutes and Regulations" are "policy freely ignored" by both "The Veterans Health Administration" (VHA) and the Secretary of the DVA, i.e., the "STATE OF COURT" transcript PARAGRAPH 9 with Congress’s law of the land U.S. CODE, TITLE 38, SECTIONS (§) 511 and § 7252. Decisions of the Secretary; finality; REFERENCES [1], [2] & [3]. This is a no teeth Congressional LEGISLATIVE Court that captures veterans within the Executive Branch’s Department of Veterans Affairs (DVA). Lost is a before military service right to a with teeth, independent from Congress and the DVA, Judicial Branch Court.[2] Fifteen (15) years after the Chief Judge's statements the Secretary of the DVA and his laymen "initial adjudicators" still are not held responsible for their "freely ignored" and medically brainless "Schedule of Ratings for Disabilities" decisions.
A couple of examples of the "initial adjudicators" to date "freely ignored" are this veterans 1957 DVA Physician’s resultant USAF Physician's, "MPerR PERMANENT" "SURGEON HQ ARRC JUN 25 ‘58 MEDICALLY DISQUALIFIED FOR MILITARY SERVICE" of from 1952 to 1956! Then the layman adjudicator’s brainless 6/27/96 Supplemental Statement Of Case (SSOC) no "...competent medical evidence...". After an ongoing 19 years in the DVA administrative process the veteran receives a 100% disability. To date there is still no recognition of the 1957 DVA physician resultant 1958 USAF physician "disqualified"!
REFERENCES (Emphasis added throughout) with comments:
[1] "STATE OF COURT, CHIEF JUDGE FRANK Q. NEBEKER, STATE OF THE COURT, FOR PRESENTATION TO THE UNITED STATES COURT OF VETERANS APPEALS THIRD JUDICIAL CONFERENCE, OCTOBER 17-18, 1994 {as it appears in Veterans Appeals Reporter}"
--------------------PARAGRAPH 9 of 16 in "STATE OF COURT" TRANSCRIPT records DVA laymen ignoring medical opinion without veteran recourse.-----------------------------
"I believe my message is clear. There is, I suggest, no system with judicial review which has within it a component part free to function in its own way, in its own time and with one message to those it disappoints -- take an appeal. That is, I am afraid, what we have today in many of the Department's Agencies of Original Jurisdiction -- that is AOJs -- around the country. Neither the Court, through the Board, the Board, nor the General Counsel has direct and meaningful control over the Agencies of Original Jurisdiction. Indeed, it is also clear that the VHA -- the Veterans Health Administration -- ignores specific directives to provide medical opinions as directed. And this is resulting in unconscionable delays. Let us examine judicial review. Remember, the Court and the Board do not make policy, the Secretary and Congress do. The Court simply identifies error made below by a failure to adhere, in individual cases, to the Constitution, statutes, and regulations which themselves reflect policy -- policy freely ignored by many initial adjudicators whose attitude is, "I haven't been told by my boss to change. If you don't like it -- appeal it." The complete 16 paragraph "STATE OF COURT" transcript is available on request. Previously at, and now missing from the Chief Judges and state_of_court sites: www.goodnet.com/~heads/nebeker and www.firebase.net/state_of_court_brief.htm
The top medically ignorant "boss" is Congress’s confirmed "Secretary" of the DVA.
AND THE CONGRESS’S "policy freely ignored" UNITED STATES CODE law of the land, take away from Veterans:
"(a) The Secretary shall decide all questions of law and fact necessary to a decision by the Secretary under a law that affects the provision of benefits by the Secretary to veterans or the dependents or survivors of veterans. Subject to subsection (b), THE DECISION OF THE SECRETARY AS TO ANY SUCH QUESTION SHALL BE FINAL AND CONCLUSIVE AND MAY NOT BE REVIEWED BY ANY OTHER OFFICIAL OR BY ANY COURT, whether by an action in the nature of mandamus or otherwise."
THEREFORE, NO COURT REVIEW OF THE MEDICALLY UNTRAINED DVA laymen and "Secretary" "schedule of ratings for disabilities" decisions as proven by:
[3] UNITED STATES CODE, TITLE 38 PART V > CHAPTER 72 > SUBCHAPTER I >
§ 7252. Jurisdiction; finality of decisions
"(b) Review in the Court shall be on the record of proceedings before the Secretary and the Board. The extent of the review shall be limited to the scope provided in section 7261 of this title. THE COURT MAY NOT REVIEW THE SCHEDULE OF RATINGS FOR DISABILITIES adopted under section 1155 of this title or any action of the Secretary in adopting or revising that schedule."
"The amount of heat released by any part of the body depends largely on its surface area, and on a cold day you would lose more heat through an exposed leg or arm than a bare head."
"THE BOTTOM LINE: The body does not lose most of its heat through the head."
Yes! The ecofan is worth every penny! We used one for 4 years in our cabin and loved it. Our only heat was a wood burning stove, and when the ecofan got going, it distributed the heat nicely around the living area. It' safe and economical because it works off the stove's heat. We love it and if we get another wood stove at our new home, we will definately use it. We were even thinking of getting another one and have the fans facing different directions.
I have been eyeballing these for a couple years now, so thank you for the input!!! I use wood almost exclusively in the fall and early winter so I had wondered if the product was worth the money.
I live in a tiny town with no big-box store and few others, and have a family-violence problem which necessitates living "under the radar" and leaving as few public records as possible. The pay-as-you-go fee, combined with eBay, Buy.com, and other bargain sites, costs me less than the gas to the nearest population center plus the big-box store prices, combined. If you can arrange direct deposit of payroll to the card, you have no charge for loading the cards.
For persons in my condition, I would suggest researching all cards to determine that reports to the credit bureau are neither given nor requested. If you have a credit problem but not a safety problem, a collateralized credit card, to rebuild credit, definitely would be a better deal.
You cannot transfer money from these cards to an IRA or 401k and this is a definite drawback to utilizing a card as sole financial services provider.
Non-clay litter? Brushing their teeth? Kitty health insurance?
I love my cats, but in this economy those three things are luxuries I can't afford.
While I won't skimp on their food (unless I can't feed myself) if kitty gets hurt she's in the same shape I'm in - too poor to go see the doctor and left with nothing but band-aids and NyQuil to fix it.
When most Americans don't have health insurance, including myself, the idea of paying for pet insurance that doesn't even cover real issues is ridiculous.
I understand the views that people have about pets being forced into an artificial situation. However, it is too late to turn back. Feral cats live a dangerous life because of cars, other feral cats and people who are not friendly to animals among other things. I think it's narrow minded to say there's no way to save money while having a cat. For those that do have cats, these are good options. I would also recommend that people include veterinary care in their budget. The same way car maintenance is in your budget, so should preventive health care for your pets (any pets) be included. It seems like people think that just because you can get a cat for free that their health care should be free. It won't be. So if you can't afford the health care, you can't afford the cat (or dog, or whatever).
Also, pet insurance that seems worth it to me is VPI Pet Insurance. http://www.petinsurance.com/ There are maximum pay outs and exclusions of hereditary, congenital/pre-existing conditions and others depending on your plan. But for the hit by car animal and other emergencies, pet insurance can open up some treatment opportunities that owners might not have had otherwise.
We don't really need one in our new location, but this sure would have been handy in Maine during the winter. I've never seen these before, Margaret. Cool post.
I didn't take time to read all the comments, so I might be repeating info already given. Everyone keeps asking about what kind of still they can make. The easiest, and cheapest is an old crock pot with the knob removed from the lid, and fitted with a coil to catch the evaporated spirits. If you're running off more than the pot will hold, just make more runs till you're done. A paste of flour and water will seal the lid to the crock pot, and it's easy to take off when you're done, and ready to load the next batch.
So much of the stuff you find in garage sales or thrift stores are cheap, but really not needed.
We have too much junk and clutter. If people spent time just looking through all their closets and drawers one day, they would find treasures they seriously forgot they had.
Keigu,
Financial Samurai
"Slicing Through Money's Mysteries"
Under Regulation E and the Electronic Fund Transfer Act, banks must strictly comply with various provisions of the regulations and the EFTA. You should not be charged any overdraft fees if the charges that you charged after notifying the bank of the error would not have exceeded your available funds of your accounts.
You did not say how much money you've lost. But the bank should give you provisional of ALL the money that you claimed as error or unauthorized, not just some of it. You should consult a consumer law attorney if you think it is necessary. Some attorneys will take the case on a contingency basis if they believe you have a case.
Kenneth
Illinois Lawyer
Post #7 in this thread was authored by someone who thinks they know the stock market better than others. What's funny is the links he provided takes you to pieces he wrote in which he makes a stock market prediction which is just way off the mark and then a funny follow up statement in the next linked story.
"...just that for the next 60 days we have a downward bias in the market."
In August he predicted both September and October to be dismal months for the markets. He was inarguably wrong about the September call. Dead wrong. October has certainly gotten off to a promising start. Appears he will be wrong. Again.
The second link takes you to another worthless piece by this author who stated the following:
"First let me say I have absolutely no idea which way the market is going to go."
I guess I would say two things about this. First, you have proven conclusively in the first piece you linked that you, indeed, have no clue about which way the market is going. Second, if you admit that you are clueless as to the direction the markets will take why are you making multi-month predictions about the direction of the stock market? You are a joke.
So here is my recommendation - don't bother with any predictions or lend any value what so ever to the market calls or supposed insight of the individual who produced post #7.
Check out this one in Berkeley:
http://urbanore.ypguides.net/
I really don't see the competition at all here. I have a bank debit card: it's free, my account is free, I don't have a minimum required amount, and I've never once had an overdraft fee. Seriously, how do these prepaid cards even stack up if you shopped around for a good bank in the first place?
When I first moved to a new city to pursue graduate studies it was the first time I was living in my own apartment. I turned to craigslist for furniture and everything else I would need for my apartment. My apartment was all ready to go for under $500!
I am "only" 45% up, only because i sell too soon. But this way is better, dont like to take great risks.
For some folks it's about more than the fees. I think the risk of overdraft fees alone usually can make the prepaid accounts competitive. But, there are other factors that make prepaid accounts attractive.
Customer Service: In my experience, banks are less interested in satisfying their customers because of all the inroads to other accounts and because of the longer-term relationship. They assume you will be a customer for a long time and treat you that way as well.
Benefits: Most prepaid accounts have additional benefits. My account gives me wireless credits. My other account gives me a much higher savings rate than I can get at a bank right now. So, there are other reasons to use these cards that banks just don't seem to be on the ball with.
When is it time for a prepaid debit card
I've only been once (actually to a recycling center), but I got a half-dozen pots for under $2. Some "thrift" stores are definitely more expensive than others, and some overcharge for some items and have great deals for others. For example, I went to my local SOS yesterday to drop off some stuff, and had a browse around while I was at it. Much of the basic women's clothing (denim skirts, casual shirts) was in the range of $15-$20. Yup, used clothing in a thrift store, more expensive than comparable brand-new clothes at a variety store! But they had great deals on books, which ranged from 50c-$1 for softcover, and $2-$4 for hardcover, including lots of bestsellers. I guess what I'm saying is -- just because you shop at thrift stores, doesn't mean you shouldn't keep an eye on prices. :)
Unintelligent? Don't you think that is harsh? As on of your basement neighbors, I take issue with that. Uneducated about alternatives to the rigors of the Puritan work ethic? Definitely. Raised from the cradle to think our greatest value was provided by the work we do outside the home? Absolutely. Trying hard to do the best we can and bearing the brunt of worldwide criticism no matter how much we try? Pretty much.
Look. No people is perfect and Americans are just like anyone else. Some of us work to hard and are in pursuit of all the material goods and some of us are trying to break that cycle and raise our children to make different choices and, yes, demand different circumstances for working out of the home.
To insult us and call us "fairly unintelligent" and paint us all as universally "materialist" is poorly done of you.
Thank you everybody for the inspiring conversation!
@Alicia #37 - what a wonderful contribution. Well thought out and well written! Cheers.
@Guest - I believe that people in the States pay slightly less in income tax than UK/Canadian/Aussie citizens who have socialized health care. (But then again, most of that savings goes to private health care premiums/hospital visits)!
@Chris - Thanks for your testimony! Cheers.
You can tell people not to do this, but if they need cash and the only machine around is a swipe, they're going to use it. If they make a hassle to find a "suck in" machine (and I haven't even seen many of these around at all), then they're just being paranoid.
Also, I'd imagine that the card reader works just by having the card go through it, so it probably wouldn't be difficult at all to place a reader at the opening of a "suck in" slot, as long as the card passes through it.
I just always sort of cup my hand over the numbers when I'm entering my PIN, because you never know who could be watching you from behind.
A trust betrayed? Gone for veterans are the check and balances within and between our branches of government that so many have died for! Please hold your U.S. House and Senate members responsible. Thank you.
In 1994 the Chief Judge of Congress’s 1988 established Court of Veterans Appeals stated that the, "Constitution, Statutes and Regulations" are "policy freely ignored" by both "The Veterans Health Administration" (VHA) and the Secretary of the DVA, i.e., the "STATE OF COURT" transcript PARAGRAPH 9 with Congress’s law of the land U.S. CODE, TITLE 38, SECTIONS (§) 511 and § 7252. Decisions of the Secretary; finality; REFERENCES [1], [2] & [3]. This is a no teeth Congressional LEGISLATIVE Court that captures veterans within the Executive Branch’s Department of Veterans Affairs (DVA). Lost is a before military service right to a with teeth, independent from Congress and the DVA, Judicial Branch Court.[2] Fifteen (15) years after the Chief Judge's statements the Secretary of the DVA and his laymen "initial adjudicators" still are not held responsible for their "freely ignored" and medically brainless "Schedule of Ratings for Disabilities" decisions.
A couple of examples of the "initial adjudicators" to date "freely ignored" are this veterans 1957 DVA Physician’s resultant USAF Physician's, "MPerR PERMANENT" "SURGEON HQ ARRC JUN 25 ‘58 MEDICALLY DISQUALIFIED FOR MILITARY SERVICE" of from 1952 to 1956! Then the layman adjudicator’s brainless 6/27/96 Supplemental Statement Of Case (SSOC) no "...competent medical evidence...". After an ongoing 19 years in the DVA administrative process the veteran receives a 100% disability. To date there is still no recognition of the 1957 DVA physician resultant 1958 USAF physician "disqualified"!
REFERENCES (Emphasis added throughout) with comments:
[1] "STATE OF COURT, CHIEF JUDGE FRANK Q. NEBEKER, STATE OF THE COURT, FOR PRESENTATION TO THE UNITED STATES COURT OF VETERANS APPEALS THIRD JUDICIAL CONFERENCE, OCTOBER 17-18, 1994 {as it appears in Veterans Appeals Reporter}"
--------------------PARAGRAPH 9 of 16 in "STATE OF COURT" TRANSCRIPT records DVA laymen ignoring medical opinion without veteran recourse.-----------------------------
"I believe my message is clear. There is, I suggest, no system with judicial review which has within it a component part free to function in its own way, in its own time and with one message to those it disappoints -- take an appeal. That is, I am afraid, what we have today in many of the Department's Agencies of Original Jurisdiction -- that is AOJs -- around the country. Neither the Court, through the Board, the Board, nor the General Counsel has direct and meaningful control over the Agencies of Original Jurisdiction. Indeed, it is also clear that the VHA -- the Veterans Health Administration -- ignores specific directives to provide medical opinions as directed. And this is resulting in unconscionable delays. Let us examine judicial review. Remember, the Court and the Board do not make policy, the Secretary and Congress do. The Court simply identifies error made below by a failure to adhere, in individual cases, to the Constitution, statutes, and regulations which themselves reflect policy -- policy freely ignored by many initial adjudicators whose attitude is, "I haven't been told by my boss to change. If you don't like it -- appeal it." The complete 16 paragraph "STATE OF COURT" transcript is available on request. Previously at, and now missing from the Chief Judges and state_of_court sites: www.goodnet.com/~heads/nebeker and www.firebase.net/state_of_court_brief.htm
The top medically ignorant "boss" is Congress’s confirmed "Secretary" of the DVA.
AND THE CONGRESS’S "policy freely ignored" UNITED STATES CODE law of the land, take away from Veterans:
[2] UNITED STATES CODE, TITLE 38 > PART I > CHAPTER 5 > SUBCHAPTER I >
§ 511. Decisions of the Secretary; finality
http://www.law.cornell.edu/uscode/html/usc...11----000-.html
"(a) The Secretary shall decide all questions of law and fact necessary to a decision by the Secretary under a law that affects the provision of benefits by the Secretary to veterans or the dependents or survivors of veterans. Subject to subsection (b), THE DECISION OF THE SECRETARY AS TO ANY SUCH QUESTION SHALL BE FINAL AND CONCLUSIVE AND MAY NOT BE REVIEWED BY ANY OTHER OFFICIAL OR BY ANY COURT, whether by an action in the nature of mandamus or otherwise."
THEREFORE, NO COURT REVIEW OF THE MEDICALLY UNTRAINED DVA laymen and "Secretary" "schedule of ratings for disabilities" decisions as proven by:
[3] UNITED STATES CODE, TITLE 38 PART V > CHAPTER 72 > SUBCHAPTER I >
§ 7252. Jurisdiction; finality of decisions
"(b) Review in the Court shall be on the record of proceedings before the Secretary and the Board. The extent of the review shall be limited to the scope provided in section 7261 of this title. THE COURT MAY NOT REVIEW THE SCHEDULE OF RATINGS FOR DISABILITIES adopted under section 1155 of this title or any action of the Secretary in adopting or revising that schedule."
"Most body heat escapes from your head."
Wrong. That's an old myth.
There's nothing unusual about the head regarding heat loss other than it's the body part most left uncovered.
From a New York Times article:
"The amount of heat released by any part of the body depends largely on its surface area, and on a cold day you would lose more heat through an exposed leg or arm than a bare head."
"THE BOTTOM LINE: The body does not lose most of its heat through the head."
Yes! The ecofan is worth every penny! We used one for 4 years in our cabin and loved it. Our only heat was a wood burning stove, and when the ecofan got going, it distributed the heat nicely around the living area. It' safe and economical because it works off the stove's heat. We love it and if we get another wood stove at our new home, we will definately use it. We were even thinking of getting another one and have the fans facing different directions.
I have been eyeballing these for a couple years now, so thank you for the input!!! I use wood almost exclusively in the fall and early winter so I had wondered if the product was worth the money.
I live in a tiny town with no big-box store and few others, and have a family-violence problem which necessitates living "under the radar" and leaving as few public records as possible. The pay-as-you-go fee, combined with eBay, Buy.com, and other bargain sites, costs me less than the gas to the nearest population center plus the big-box store prices, combined. If you can arrange direct deposit of payroll to the card, you have no charge for loading the cards.
For persons in my condition, I would suggest researching all cards to determine that reports to the credit bureau are neither given nor requested. If you have a credit problem but not a safety problem, a collateralized credit card, to rebuild credit, definitely would be a better deal.
You cannot transfer money from these cards to an IRA or 401k and this is a definite drawback to utilizing a card as sole financial services provider.
Non-clay litter? Brushing their teeth? Kitty health insurance?
I love my cats, but in this economy those three things are luxuries I can't afford.
While I won't skimp on their food (unless I can't feed myself) if kitty gets hurt she's in the same shape I'm in - too poor to go see the doctor and left with nothing but band-aids and NyQuil to fix it.
When most Americans don't have health insurance, including myself, the idea of paying for pet insurance that doesn't even cover real issues is ridiculous.
I understand the views that people have about pets being forced into an artificial situation. However, it is too late to turn back. Feral cats live a dangerous life because of cars, other feral cats and people who are not friendly to animals among other things. I think it's narrow minded to say there's no way to save money while having a cat. For those that do have cats, these are good options. I would also recommend that people include veterinary care in their budget. The same way car maintenance is in your budget, so should preventive health care for your pets (any pets) be included. It seems like people think that just because you can get a cat for free that their health care should be free. It won't be. So if you can't afford the health care, you can't afford the cat (or dog, or whatever).
Also, pet insurance that seems worth it to me is VPI Pet Insurance. http://www.petinsurance.com/ There are maximum pay outs and exclusions of hereditary, congenital/pre-existing conditions and others depending on your plan. But for the hit by car animal and other emergencies, pet insurance can open up some treatment opportunities that owners might not have had otherwise.
Very interesting.
We don't really need one in our new location, but this sure would have been handy in Maine during the winter. I've never seen these before, Margaret. Cool post.
You can also follow me on Twitter and Trek Hound.
People are starting to get greedy now, 6 months ago people were fearful, but that doesn't mean that the market won't keep on going up.
it seems like quite the nifty little gadget but i dont think that i will get one of them
Toby's post just cracks me up, from the flammable stuff to the nothing but the hat bit.
I didn't take time to read all the comments, so I might be repeating info already given. Everyone keeps asking about what kind of still they can make. The easiest, and cheapest is an old crock pot with the knob removed from the lid, and fitted with a coil to catch the evaporated spirits. If you're running off more than the pot will hold, just make more runs till you're done. A paste of flour and water will seal the lid to the crock pot, and it's easy to take off when you're done, and ready to load the next batch.
So much of the stuff you find in garage sales or thrift stores are cheap, but really not needed.
We have too much junk and clutter. If people spent time just looking through all their closets and drawers one day, they would find treasures they seriously forgot they had.
Keigu,
Financial Samurai
"Slicing Through Money's Mysteries"