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Frugal Retiring News, Issue 53, October 2013
October 19, 2013
New look for the site
Those readers that have visited the site lately, or keep up with the new pages being put up by frugal retirement living... have noticed a new look and feel to the site.
Here are a few new pages:
I am in the process of changing over the majority of my most important pages to this new template... I currently have 371 pages on site, so it's not going to happen overnight.
Why did I do this? It is a lot of work to make the change.
I was using a template, That was offered outside the company, SiteSell, I use to serve my website.
I admit I'm a slow learner, I have been at this for over four years... although my technical knowledge has increased... I can never approach the expertise of the professionals operating 24/7 in the server-side of my website.
It used to take me, well over an hour to put a page up on the web, with the new tool available called BlockBuilder2...a new page takes about 15 minutes.
My only regret is not using what it been available to me for the last four years.
Let me know what you think about the new look... my ratings in the search engines have increased dramatically since I started the transformation.
This leads in to my next point.
Frugal retirement tip number oneI put this page up last year concerning 72% of baby boomers will work after retirement.
Here is a new study put out by the Associated Press on retirement issues... the percentage of baby boomers now say 82% will work when they retire.
With the recent economy and no leadership from our elected officials we should wake up to the fact, the sooner you start planning on ways to become financially independent on your own and not dependent on anyone else... the better off you will be.
The AP article is long, but it is well worth reading.
So tip number one is to start thinking like an entrepreneur and come up with some way to make some money on the side.
Here is a story about an 18-year-old in England that just made 30 million bucks by selling a phone app to Yahoo.
Frugal tip number two...health insuranceSomeone actually got through the new website to sign up for Obama care... I tried several times to check and see if I could improve upon Julie's premium (she is not yet on Medicare)...I could not get through.
The college student that did get through and sign up through the website, is paying $175 a month for his coverage...he is happy to participate in this new program and I wish him well.
If he had applied through the website that I have used for over 10 years and currently use for Julie's coverage...here is the page on site... he could've got the same coverage for $45 a month.
Using the above site we were not surprised that her new policy effective October 1 was $162 a month up from $136 a month this year.
Point being, you can get cheaper health insurance on your own by doing what we do...it is your choice.
Julie refilled a prescription for thyroid medication yesterday... it went from $6 to $25.
Just to prepare you... the pharmacist said that over 30 companies have this month increased their prices for medication, to do so before January 1 when the government will be involved in drug pricing.
Frugal tip number three...experience the joy of givingYou know that Julie does a lot of her shopping at Goodwill...
She also uses coupons whenever she can...
More than half of what she buys at Goodwill and a good portion of what she buys on sale with coupons at the grocery store... is not consumed by the two of us.
We donate a lot of clothes to friends that have regular mission trips for the local homeless or trips to Mexico.
We have a food bank at church, and we bring something every Sunday.
So when you find a great deal... that you may not be able to use personally... get it anyway and give it to the less fortunate.
Make this a habit and be blessed.
Frugal tip number four...refinanceRates are going up, do not miss this opportunity to save on your largest monthly outgo.
You owe it to yourself to check and see if you can still lower your monthly outgo on your mortgage.
In closingThank you for your continued support of the site.
Please pass this along to three of your friends if you enjoyed the newsletter or picked up a tip... Everyone needs to know about whether or not they're overpaying for health insurance.
I promise the website will work.
Until next time...
All the best,
Gary and Julie
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