On Wed, 01 Nov 2006 21:53:23 GMT, M.Dexter@blueyonder.co.uk wrote:

>On Wed, 1 Nov 2006 19:30:05 -0000, "Ivor Jones"
><ivor@despammed.invalid> wrote:
>
>><M.Dexter@blueyonder.co.uk> wrote in message
>>news:nrohk2lg1ffsq2d49gbd17evc86vg7vtau@4ax.co m
>>> On Wed, 01 Nov 2006 14:43:55 GMT, bob garbutt
>>> <bobgarb@blueyonder.co.uk> wrote:
>>>
>>>
>>> > still a lot cheaper then telewest line rental plus
>>> > calls plus Vat
>>
>>> How ANYONE can say a VONAGE account at a measly 27p a day
>>> is extortionate with all UK and Irish calls included plus
>>> the ability to dial 999 services AND with a free 4 port
>>> router included really does make me wonder just how tight
>>> some folk can get.
>>
>>[1] I don't make enough calls to PSTN lines to make 27p a day financially
>>viable. Why spend more money on calls than the calls cost..?
>>
>>[2] I have other means of calling 999 should I ever need to.
>>
>>[3] I have equipment already so why do I need another router, free or
>>otherwise..?
>>
>>[4] If you think spending more money than necessary is being tight, that's
>>your opinion. I happen to think spending as little as necessary to be far
>>more sensible.
>If I could get exactly the same service and everything else for less
>then I would do so Ivor I have been looking around for the passed few
>weeks for a service that equals Vonage but there is none there was but
>Vonage have got the company now . Why do you think I left Vonage
>eleven months ago to join FreeTalk equal service but a couple of quid
>cheaper but what I have said originally still stands 27p a day is
>nothing .
Narrowing down to what it costs a day is a regular sales ploy. Why not
narrow it down to what it costs an hour, or a minute, or even a
second. 27p/day means thats just over 1p/hour - wow that sounds cheap,
but it isn't any cheaper than the 27p/day or the equivalent £98.55 a
year.

My philosophy generally is this:
CAPITAL
It doesn't matter about capital costs if conditions 1 or 2, together
with 3 are satisfied.

1. It will save you money within a propotionate space of time.

2. It raises your standard of living to a point that it really is
worth it, you can afford it, considering your general needs, you can
pay for it outright and it doesn't depreciate in value comparitively
quickly.

3. Don't borrow money on anything that won't appreciate in value, or
earn you a profit, above that of interest you might earn in a savings
intitution.
e.g. For this rule it's OK to borrow money to buy a house but not a
car.

RUNNING COSTS
Avoid on going costs as much as possible as these drain your money
away. Add all those, apparently little, on-going costs, together and,
over a year they will often appear significant.
e.g. If you buy a car every 5 years and can save £10/month on
something you don't really need you'll have £600 + interest to put
towards it.

Obviously the above is not written in a legal fashion so is open to
interpretation and, as such, is only intended to convey ideas.

Summary:
Spend your capital wisely and minimise on-going costs as far as
possible.
Remove 'no_spam_' from email address.
25/10/2006:Symantec charge exactly as much in GB pounds as they do
in US$ for the same Norton DOWNLOAD.
It's goodbye Norton - hello free AVG until they stop ripping us off.
Why should we be ripped off in the UK?