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Banty  
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 More options Feb 7 2008, 4:11 am
Newsgroups: misc.kids
From: Banty <Banty_mem...@newsguy.com>
Date: 6 Feb 2008 07:11:34 -0800
Local: Thurs, Feb 7 2008 4:11 am
Subject: Re: allowance for 9 year old
In article <QZiqj.110626$ds2.106943@trnddc05>, Jeff says...

Sure.  Furthermore, while in the case of the iron, where one buys only once, and
might need it right away, clothes are a different case.  In order to 'save' to
obtain a quality piece of clothing, one only needs to abstain from buying crap
clothing for awhile, or buy fewer clothes.  (And please no one nit about more
frequent washes for a few months, etc.)    Buying crap clothing really is more a
matter of having fallen into a habit of either buying cheep thinking one is
ahead but buying more often, or chasing poorly made trendy styles season after
season.

Banty


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Jeff  
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 More options Feb 7 2008, 5:10 am
Newsgroups: misc.kids
From: Jeff <kidsdoc2...@hotmail.com>
Date: Wed, 06 Feb 2008 16:10:59 GMT
Local: Thurs, Feb 7 2008 5:10 am
Subject: Re: allowance for 9 year old

I am too cheap to throw stuff out. So I have tons of old t-shirts that I
will wear until they fall apart. So if they were lessor quality, I
wouldn't care.

I do wish people would do things to decrease our demands, though. Like,
soccer programs would recycle shirts from year to year, so that people
don't have to buy new ones if the kids didn't want to keep the shirts
(some of the kids would keep the shirts and wear them until they got too
small). They could also buy shirts that are reversible with two colors,
so that you could use them from year to year and hand them down.

Jeff


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enigma  
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 More options Feb 7 2008, 6:13 am
Newsgroups: misc.kids
From: enigma <eni...@evil.net>
Date: Wed, 6 Feb 2008 17:13:16 +0000 (UTC)
Local: Thurs, Feb 7 2008 6:13 am
Subject: Re: allowance for 9 year old
Jeff <kidsdoc2...@hotmail.com> wrote in
news:n_kqj.27890$Ou1.22468@trnddc07:

> I do wish people would do things to decrease our demands,
> though. Like, soccer programs would recycle shirts from
> year to year, so that people don't have to buy new ones if
> the kids didn't want to keep the shirts (some of the kids
> would keep the shirts and wear them until they got too
> small). They could also buy shirts that are reversible with
> two colors, so that you could use them from year to year
> and hand them down.

heh.
 my senior year in high school, the school decided to change
the girl's gym uniform from the blue bubble suit to t-shirt &
shorts.
 these uniform items were sold at one store in town & when i
went shopping for back-to-school, i looked at them. the medium
blue shorts were $25 & the light blue t-shirts were $20. in
1971, this was an outrageous sum, especially since i knew i
was moving in the middle of the year. perhaps if it had been
my freshman year & i could wear the items for 4 years, it
would have been a passable value, but in my case, i didn't
think it was. i decided i would just wear shorts & a t-shirt i
already owned.
 on the first day of gym class the teacher made it absolutely
clear that i *had* to wear Chelmsford shirt & shorts. no
substitutes would be acceptable. i made her clarify that the
shirt & shorts had to say Chelsford and i was understanding
correctly. yes, exactly.
 so, i went & dug out my older brother's gym shirt(grey) &
shorts(maroon). both said Chelmsford. the teacher had a tizzy,
but had done what she said, so there was nothing she could do
about it. dragging my parents in would not have boded well for
her. they were already pretty fed up with that school.
i'm sure it drove her crazy to see that one grey & maroon
outfit in the sea of blue...
lee

--
Last night while sitting in my chair
I pinged a host that wasn't there
It wasn't there again today
The host resolved to NSA.


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toypup  
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 More options Feb 7 2008, 6:40 am
Newsgroups: misc.kids
From: toypup <toy...@sbcglobal.net>
Date: Wed, 6 Feb 2008 09:40:47 -0800
Local: Thurs, Feb 7 2008 6:40 am
Subject: Re: allowance for 9 year old
On 6 Feb 2008 07:11:34 -0800, Banty wrote:

> frequent washes for a few months, etc.)    Buying crap clothing really is more a
> matter of having fallen into a habit of either buying cheep thinking one is
> ahead but buying more often, or chasing poorly made trendy styles season after
> season.

> Banty

If someone is the type to like chasing after trendy styles, then it makes
much more sense to just by the cheapest clothing than to look around for
well-made, more expensive stuff.  

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toypup  
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 More options Feb 7 2008, 6:43 am
Newsgroups: misc.kids
From: toypup <toy...@sbcglobal.net>
Date: Wed, 6 Feb 2008 09:43:58 -0800
Local: Thurs, Feb 7 2008 6:43 am
Subject: Re: allowance for 9 year old

I think it's ridiculous to buy on credit when one doesn't have to.
Sometimes, it's necessary, like when buying a house or student loans, but
just for everyday items that aren't absolutely necessary, one shouldn't
live beyond one's means.  Personally, I pay off my credit cards every
month, and if I couldn't I'd spend less so I could.  When I was a starving
student (I wasn't really starving, but I gave myself a typical student
budget), I spent like a starving student.  Spending on credit is what gets
people in trouble.

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Jeff  
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 More options Feb 7 2008, 6:48 am
Newsgroups: misc.kids
From: Jeff <kidsdoc2...@hotmail.com>
Date: Wed, 06 Feb 2008 17:48:05 GMT
Local: Thurs, Feb 7 2008 6:48 am
Subject: Re: allowance for 9 year old
The kids on my soccer team get shirts every year. I suggest to the
parents what type of shin guard to get if they don't have any. I tell
them that if they have socks or shorts, don't bother getting new ones,
but if they do need to get new ones, get black, because they can use
them in the older divisions. I have had kids wear different color shorts
and socks, and no one seemed to care. I have yet to see a coach penalize
a kid for wearing the wrong color shorts or socks or other kids care
(the kids I coach are in first and second grade).

Of course, if they are wearing New York Yankee cloths, they have to go
home, but otherwise they can wear anything they want, as long as they
aren't wearing jewelry and have shin guards.

Jeff

PS, I was joking about the Yankees stuff, but I will kid them a bit
about it.


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Beliavsky  
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 More options Feb 7 2008, 7:35 am
Newsgroups: misc.kids
From: Beliavsky <beliav...@aol.com>
Date: Wed, 6 Feb 2008 10:35:31 -0800 (PST)
Local: Thurs, Feb 7 2008 7:35 am
Subject: Re: allowance for 9 year old
On Feb 6, 11:10 am, Jeff <kidsdoc2...@hotmail.com> wrote:

> I am too cheap to throw stuff out. So I have tons of old t-shirts that I
> will wear until they fall apart. So if they were lessor quality, I
> wouldn't care.

> I do wish people would do things to decrease our demands, though. Like,
> soccer programs would recycle shirts from year to year, so that people
> don't have to buy new ones if the kids didn't want to keep the shirts
> (some of the kids would keep the shirts and wear them until they got too
> small). They could also buy shirts that are reversible with two colors,
> so that you could use them from year to year and hand them down.

Americans probably are more "wasteful" than people in poorer
countries, but I think it is often a rational response to their time
being valuable and many material goods, such as T-shirts, being cheap.

To give one example, Indians have told me stories about a single
pencil being a prized possession for some students when they were
growing up in the 1940s and 50s -- it needed to last a school year. I
don't care how many pencils and pieces of paper my kids consume,
whether through writing, drawing, or scribbling, and my attitude is
rational considering my circumstances.

There is too much judging of other people's consumption ("McMansions",
"suburban sprawl", "gas-guzzlers", "meat-guzzlers"
http://www.nytimes.com/2008/01/27/weekinreview/27bittman.html) by
environmentalists and their ilk.


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Barbara  
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 More options Feb 7 2008, 7:53 am
Newsgroups: misc.kids
From: Barbara <mom_2_...@hotmail.com>
Date: Wed, 6 Feb 2008 10:53:53 -0800 (PST)
Local: Thurs, Feb 7 2008 7:53 am
Subject: Re: allowance for 9 year old
On Feb 6, 11:10 am, Jeff <kidsdoc2...@hotmail.com> wrote:

In our baseball league, the kids are on the same team for 3 years, so
they can wear the same shirt for 3 years unless they outgrow them.
Not so in basketball, for example, but then the kids just put the
shirts into their general circulation tees, wear them to sleep, or
wear them as undershirt-tees.  With all of the track, basketball,
baseball (from the league before this one) and camp tees we have, One
is usually pretty well set for summer.

One doesn't particularly care for soccer; is there a reason that
soccer shirts are any different?

Barbara


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Jeff  
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 More options Feb 7 2008, 7:55 am
Newsgroups: misc.kids
From: Jeff <kidsdoc2...@hotmail.com>
Date: Wed, 06 Feb 2008 18:55:35 GMT
Local: Thurs, Feb 7 2008 7:55 am
Subject: Re: allowance for 9 year old

IMHO, a more rational is that they use whatever they want, as long as
they don't waste stuff.


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Clisby  
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 More options Feb 7 2008, 7:57 am
Newsgroups: misc.kids
From: Clisby <clis...@mindspring.com>
Date: Wed, 06 Feb 2008 13:57:05 -0500
Local: Thurs, Feb 7 2008 7:57 am
Subject: Re: allowance for 9 year old

Jeff wrote:
> The kids on my soccer team get shirts every year. I suggest to the
> parents what type of shin guard to get if they don't have any. I tell
> them that if they have socks or shorts, don't bother getting new ones,
> but if they do need to get new ones, get black, because they can use
> them in the older divisions. I have had kids wear different color shorts
> and socks, and no one seemed to care. I have yet to see a coach penalize
> a kid for wearing the wrong color shorts or socks or other kids care
> (the kids I coach are in first and second grade).

Gosh, my son started soccer last fall, and for most of the teams, the
T-shirt was the only matching item.  (He wss 5 - I'm not sure what the
older kids do.)   This is in a city rec league, with a fair number of
lower-income kids - it would be crazy to make them buy special shorts.
  (You get the T-shirt and socks when you pay the $30 sign-up fee.)

Clisby


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Jeff  
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 More options Feb 7 2008, 8:05 am
Newsgroups: misc.kids
From: Jeff <kidsdoc2...@hotmail.com>
Date: Wed, 06 Feb 2008 19:05:51 GMT
Local: Thurs, Feb 7 2008 8:05 am
Subject: Re: allowance for 9 year old

The soccer shirts are soccer jerseys which are not t-shirts, but that
doesn't really matter. The teams all have sponsors, so when a sponsor
changes, they would have to get new shirts.

Other leagues use colored t-shirts and don't get soccer jerseys. The
kids don't care, though.

Jeff


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Citcom  
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 More options Feb 8 2008, 1:36 am
Newsgroups: misc.kids
From: "Citcom" <B...@citcom.net>
Date: Thu, 7 Feb 2008 07:36:28 -0500
Local: Fri, Feb 8 2008 1:36 am
Subject: Re: allowance for 9 year old
"toypup" <toy...@sbcglobal.net> wrote in message

news:1lamc13icjxj5.1pkwctcqzincl.dlg@40tude.net...

I agree completely.  As someone who just refinanced their mortgage to get
out of CC debt, we now only use the cc when necessary and pay it off
immediately.  I'm not going to buy a $50 iron on cc and not have the money
to pay it off at the end of the month (and therefore have to pay interest on
it which makes it cost more than $50) if I can buy a $20 iron without the
cc.

--
L. Miller
My Homeeschool Space   www.myhomeschoolplace.com/Hogwartsacademy/
Usborne Books Representative (ladmil...@citcom.net)
Transylvania Data Recovery Services - when your computer is junk but your
data isn't.(t...@citcom.net)
Nutronix -  http://nutronix.com/jwhomeschoolmom
Berry Tree -  http://www.MyBerryTree.com/bt36911
Automatic Builder - http://automaticbuilder.com/jwhomeschoolmom
Silver Solutions - http://www.automaticbuilder.com/jwhomeschoolmom/silver


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Beliavsky  
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 More options Feb 8 2008, 3:00 am
Newsgroups: misc.kids
From: Beliavsky <beliav...@aol.com>
Date: Thu, 7 Feb 2008 06:00:07 -0800 (PST)
Local: Fri, Feb 8 2008 3:00 am
Subject: Re: allowance for 9 year old
On Feb 7, 7:36 am, "Citcom" <B...@citcom.net> wrote:

If the $20 iron suffices and will last, fine. But if a $50 iron lasts
10 years and a $20 iron lasts 2 years, it's better to pay interest on
the $50. This is an artificial example, of course. A more realistic
example would be whether to purchase a more expensive but more
reliable car or a cheaper and less reliable one. The general principle
is that the long-term cost of ownership should be considered.

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toypup  
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 More options Feb 8 2008, 6:40 am
Newsgroups: misc.kids
From: toypup <toy...@sbcglobal.net>
Date: Thu, 7 Feb 2008 09:40:08 -0800
Local: Fri, Feb 8 2008 6:40 am
Subject: Re: allowance for 9 year old

On Thu, 7 Feb 2008 06:00:07 -0800 (PST), Beliavsky wrote:
> If the $20 iron suffices and will last, fine. But if a $50 iron lasts
> 10 years and a $20 iron lasts 2 years, it's better to pay interest on
> the $50. This is an artificial example, of course. A more realistic
> example would be whether to purchase a more expensive but more
> reliable car or a cheaper and less reliable one. The general principle
> is that the long-term cost of ownership should be considered.

Then the person would be paying interest on a lot of everyday items and
eventually be in big trouble.  My problem is more with people who buy
quality when quality is something nicer and more expensive but not more
durable.  Clothes from Target can go in the wash and take a beating.  More
expensive clothes often have to be dry cleaned only, which I take to mean
less durable.  If I pay big money for clothes, I'd better be able to throw
it in the wash.

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toypup  
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 More options Feb 8 2008, 12:25 pm
Newsgroups: misc.kids
From: toypup <toy...@sbcglobal.net>
Date: Thu, 07 Feb 2008 23:25:38 GMT
Local: Fri, Feb 8 2008 12:25 pm
Subject: Re: allowance for 9 year old

I should qualify this to say I don't have a beef with such people.  It's
fine to buy nice when one wants nice, but don't tell me it's more durable
because it's more expensive or "higher quality."

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enigma  
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 More options Feb 8 2008, 1:08 pm
Newsgroups: misc.kids
From: enigma <eni...@evil.net>
Date: Fri, 8 Feb 2008 00:08:31 +0000 (UTC)
Local: Fri, Feb 8 2008 1:08 pm
Subject: Re: allowance for 9 year old
toypup <toy...@sbcglobal.net> wrote in
news:1aj6km31nez9s$.bh9pz2z5yjws$.dlg@40tude.net:

higher quality is going to be more durable. price has almost
nothing to do with quality or durability.
 certain clothing items, unfortunately, do need to be dry
cleaned & it doesn't matter if you buy them at KMart or Brooks
Brothers. things like suits are impossible to properly press
at home, so dry cleaning is your best bet.
 that said, i *wash* most of my "dry clean only" clothes,
because i don't buy suits (and the one i did have cleaned at
the dry cleaners, they shrunk so badly i couldn't wear it
again). some things need cold water & a delicate cycle. a very
few are hand wash.
 dry clean only doesn't mean less durable, it generally means
the manufacturer hasn't preshrunk all the components, or that
there is shaping & padding that can't be ironed well with home
equipment & they're trying to cover their backside against
returns for shrinkage or dye run.
lee
--
Last night while sitting in my chair
I pinged a host that wasn't there
It wasn't there again today
The host resolved to NSA.

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toypup  
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 More options Feb 8 2008, 1:51 pm
Newsgroups: misc.kids
From: toypup <toy...@sbcglobal.net>
Date: Fri, 08 Feb 2008 00:51:32 GMT
Local: Fri, Feb 8 2008 1:51 pm
Subject: Re: allowance for 9 year old

In my book, if something needs cold water or a delicate cycle or hand wash,
it is less durable because it cannot survive being treated like regular
clothing.  If it survives being dragged through the mud and muck and all
sorts of scrubbing and fabric torture to get that stuff out, then it is
more durable.  Things that don't last unless you give them extra special
treatment I don't consider durable.

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Ericka Kammerer  
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 More options Feb 8 2008, 2:30 pm
Newsgroups: misc.kids
From: Ericka Kammerer <e...@comcast.net>
Date: Thu, 07 Feb 2008 20:30:29 -0500
Local: Fri, Feb 8 2008 2:30 pm
Subject: Re: allowance for 9 year old

toypup wrote:
> I should qualify this to say I don't have a beef with such people.  It's
> fine to buy nice when one wants nice, but don't tell me it's more durable
> because it's more expensive or "higher quality."

        If you mean that expensive does not guarantee durability,
then I agree with you.  If you mean that it's bogus to say that
it's worth it (for some) to pay more for something because it's
more durable, I'd take issue.  I'm not sure which one you meant.
Some things that cost more *are* more durable than less expensive
alternatives.

Best wishes,
Ericka


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toypup  
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 More options Feb 8 2008, 3:06 pm
Newsgroups: misc.kids
From: toypup <toy...@sbcglobal.net>
Date: Thu, 7 Feb 2008 18:06:16 -0800
Local: Fri, Feb 8 2008 3:06 pm
Subject: Re: allowance for 9 year old

On Thu, 07 Feb 2008 20:30:29 -0500, Ericka Kammerer wrote:
> toypup wrote:

>> I should qualify this to say I don't have a beef with such people.  It's
>> fine to buy nice when one wants nice, but don't tell me it's more durable
>> because it's more expensive or "higher quality."

>    If you mean that expensive does not guarantee durability,
> then I agree with you.  

Yes.  That's what I mean.

If you mean that it's bogus to say that

> it's worth it (for some) to pay more for something because it's
> more durable, I'd take issue.  

I don't mean that.

I'm not sure which one you meant.

> Some things that cost more *are* more durable than less expensive
> alternatives.

Yes.  I know that.  There is a fallacy that all things that cost more are
more durable, that "higher quality" is more durable.  "Higher quality"
often just means more expensive, more difficult to find or make, not more
durable.  "Higher quality" that requires special treatment to keep in good
shape is not more durable.

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Ericka Kammerer  
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 More options Feb 8 2008, 4:57 pm
Newsgroups: misc.kids
From: Ericka Kammerer <e...@comcast.net>
Date: Thu, 07 Feb 2008 22:57:43 -0500
Local: Fri, Feb 8 2008 4:57 pm
Subject: Re: allowance for 9 year old

toypup wrote:
> Yes.  I know that.  There is a fallacy that all things that cost more are
> more durable, that "higher quality" is more durable.  "Higher quality"
> often just means more expensive, more difficult to find or make, not more
> durable.  "Higher quality" that requires special treatment to keep in good
> shape is not more durable.

        Agreed.  I think high quality and durability go together
*within the same type of product*.  For instance, if a ridiculously
delicate article of clothing is high quality, it will be more
durable than a lower quality version of the same thing, but not
more durable than a high quality pair of jeans ;-)  Sometimes
durability just isn't the point ;-)
        I also think that "durable" means something different,
depending on the product.  For instance, while a high quality
cashmere sweater is going to require special handling, with
proper treatment it will stand up to years and years of wear
and keep looking good, unlike a lesser quality version of
the same sweater.  A well made suit will take some special care,
but again, it will last for many years where a lesser quality
suit will wear out more quickly, even with the same special care.
So I think durability remains a factor even with more finicky
types of clothing.  It's just on a different yardstick.

Best wishes,
Ericka


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Chookie  
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 More options Feb 8 2008, 7:18 pm
Newsgroups: misc.kids
From: Chookie <ehreben...@fowlspambegone.com.au>
Date: Fri, 08 Feb 2008 17:18:32 +1100
Local: Fri, Feb 8 2008 7:18 pm
Subject: Re: allowance for 9 year old
In article
<2f46ae0c-1290-4715-bed8-856d88c0c...@c4g2000hsg.googlegroups.com>,

 Beliavsky <beliav...@aol.com> wrote:
> > Or they may know it, but be unable to break out of the cycle.  For example,
> > if I only have $20 available and want to buy an iron, I am limited to $20
> > irons. That doesn't mean I'm not aware that a $50 iron would last a lot longer,
> > but I just don't *have* $50.

> Considering how easily credit is available in the U.S., I wonder how
> much of a factor that is here.

Well, the reason my hypothetical family can only manage a $20 iron is because
they have already got into trouble with their CC when they had to buy a fridge
in a hurry.  That is often the case with families in poverty -- they cope well
when life is going well, but have no emergency reserves.  When the fridge or
car conks out, credit is the only solution, which decreases the everyday
income thereafter, creating a downward spiral.  That's leaving aside financial
imprudence, which is near-universal.

--
Chookie -- Sydney, Australia
(Replace "foulspambegone" with "optushome" to reply)

http://chookiesbackyard.blogspot.com/


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Citcom  
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 More options Feb 9 2008, 1:40 am
Newsgroups: misc.kids
From: "Citcom" <B...@citcom.net>
Date: Fri, 8 Feb 2008 07:40:39 -0500
Local: Sat, Feb 9 2008 1:40 am
Subject: Re: allowance for 9 year old
"toypup" <toy...@sbcglobal.net> wrote in message

news:16fj4tp8g5fvu.vxso595kk6rt.dlg@40tude.net...

Exactly, Toypup.  I'm glad someone else understands what I meant.  I guess
Beliavsky has never been in CC debt and doesn't realize how easy it is to
let it happen if your not careful.  NOT using the cc is the best way to stay
out of cc debt.

--
L. Miller
My Homeeschool Space   www.myhomeschoolplace.com/Hogwartsacademy/
Usborne Books Representative (ladmil...@citcom.net)
Transylvania Data Recovery Services - when your computer is junk but your
data isn't.(t...@citcom.net)
Nutronix -  http://nutronix.com/jwhomeschoolmom
Berry Tree -  http://www.MyBerryTree.com/bt36911
Automatic Builder - http://automaticbuilder.com/jwhomeschoolmom
Silver Solutions - http://www.automaticbuilder.com/jwhomeschoolmom/silver


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enigma  
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 More options Feb 9 2008, 1:42 am
Newsgroups: misc.kids
From: enigma <eni...@evil.net>
Date: Fri, 8 Feb 2008 12:42:25 +0000 (UTC)
Local: Sat, Feb 9 2008 1:42 am
Subject: Re: allowance for 9 year old
toypup <toy...@sbcglobal.net> wrote in
news:158sosre5wr9p$.4g20qp7u340i.dlg@40tude.net:

> In my book, if something needs cold water or a delicate
> cycle or hand wash, it is less durable because it cannot
> survive being treated like regular clothing.  If it
> survives being dragged through the mud and muck and all
> sorts of scrubbing and fabric torture to get that stuff
> out, then it is more durable.  Things that don't last
> unless you give them extra special treatment I don't
> consider durable.

oh, i agree. remember, ilive on a farm. sissy clothes don't
last. BUT, you can't always go by the label or price to
determine durability. i have several silk shirts that say 'dry
clean only'. they go into the regular wash & through the dryer
with the jeans & tshirts. they're all around 11 or 12 years
old now & originally came from Rave (which has some pretty
decent quality stuff in with the crap).
 the 3 clothing items i have that i would consider hand
washing are beaded vests, which won't get dirty enough to need
washing unless i'm way sloppier than usual, & i think they'd
survive the handwash cycle on my machine just fine. all my
wool sweaters do...
 cold water washing is better for any clothes. they fade *far*
less if washed cold.
 i was just pointing out that for some people in the business
world, some clothing items *are* impractical to wash at home.
then again, i haven't tried those Dryell sheets (since i don't
need to dryclean anything). those might work. i'm skeptical
though.
lee

--
Last night while sitting in my chair
I pinged a host that wasn't there
It wasn't there again today
The host resolved to NSA.


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 More options Feb 9 2008, 1:45 am
Newsgroups: misc.kids
From: enigma <eni...@evil.net>
Date: Fri, 8 Feb 2008 12:45:57 +0000 (UTC)
Local: Sat, Feb 9 2008 1:45 am
Subject: Re: allowance for 9 year old
Ericka Kammerer <e...@comcast.net> wrote in
news:v--dnaAu3LIWLTbanZ2dnUVZ_h7inZ2d@comcast.com:

> toypup wrote:

>> I should qualify this to say I don't have a beef with such
>> people.  It's fine to buy nice when one wants nice, but
>> don't tell me it's more durable because it's more
>> expensive or "higher quality."

>      If you mean that expensive does not guarantee
>      durability,
> then I agree with you.  If you mean that it's bogus to say
> that it's worth it (for some) to pay more for something
> because it's more durable, I'd take issue.  I'm not sure
> which one you meant. Some things that cost more *are* more
> durable than less expensive alternatives.

 for example, solid wood furniture with dovetail drawers &
mortise & tenon joins will last several generations longer
than the MDF/pressboard stuff held together with screws from
big box stores. oddly, it doesn't cost that much more than the
cheap stuff.
 maybe people like buying new furniture every 5 years, but i'd
rather not.

lee
--
Last night while sitting in my chair
I pinged a host that wasn't there
It wasn't there again today
The host resolved to NSA.


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 More options Feb 9 2008, 1:57 am
Newsgroups: misc.kids
From: enigma <eni...@evil.net>
Date: Fri, 8 Feb 2008 12:57:43 +0000 (UTC)
Local: Sat, Feb 9 2008 1:57 am
Subject: Re: allowance for 9 year old
Chookie <ehreben...@fowlspambegone.com.au> wrote in
news:ehrebeniuk-01BC50.17183208022008@news:

i'm curious, does OZ have caps on the interest rates that
banks/credit card companies can charge?
 the US used to have tighter banking regulation & credit
interest was capped. that is no longer the case & the poor or
those with no credit history are saddled with excessive (over
33%) interest rates, which makes credit cards an even worse
downward spiral.
 then there are the "pay day loan" places, where you can
borrow against your paycheck (you need money on Monday & don't
get paid until Friday) at rates exceeding 50%. tell me these
aren't designed to prey on the poor...

lee
--
Last night while sitting in my chair
I pinged a host that wasn't there
It wasn't there again today
The host resolved to NSA.


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