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Frugal Retiring News, Issue #004
September 22, 2009
Hello << first name >>

Frugal Retiring News Issue #04, September 2009



We made it back from 4 weeks of cooling off in Oregon and California. It is still around 100 degrees here in Phoenix but summer is just about done. We are looking forward to eating outside.

The most obvious happening at www.frugal-retirement-living.com, is the new look and feel of the site. The old template did not cover the full page...there now is a new column on the right hand side of the page. I can use this for ads (to keep the site going), the articles I write for Ezinearticles.com, and kind comments from readers like you.

Please, please if anything is amiss on the new template let me know...also please drop a line with any comments about the new look. Why grey and blue...simple the grey matches my hair color.

National Happenings of Interest to Frugal Retirees

The unemployment statistics are not good and that one factor is the one that most of us focus on. Even if you and I are retired, the pain this causes many Americans is evident.

The Silver Lining

The American public is reacting in areas I think are positive for the long run. It was expected that indebtedness would rise 21 billion in August...It was 4 billion instead. We are tightening our belts, and that is always a good thing. Debt of any kind is a hindrance to frugal retirement living or living of any kind. Less borrowing is a very positive sign if we keep it up.

National Healthcare debate

I will make every effort to keep political commentary to a minimum. I did not vote for President Obama but I wish him well, as does everyone I hope. Whatever Washington is pushing on health care changes every day so comments about the latest will be old news. Having said that, people are skeptical about the government getting involved with 20 % of the economy...see the Post Office?

The Silver lining

Despite the rapid rise in Health Insurance costs...health insurance companies are competing very hard with each other for your health insurance dollar. That is a fact.

The sad news is that most people don't check to see if they are overpaying, even though it is a big number for most families, due to:

The hassle of having a salesperson call you

The worry of losing a doctor you like to go to

Both are groundless fears if you use a service we have used for 8 years. we have saved thousands.

Best of all, you can get a hundred quotes in a minute without giving up your phone number...which I refuse to do.

You can also find out if your doctor takes a certain policy with one click.

If you get nothing else from this site go to and see what you can save.

On our visit to California our friends did so and identified savings of $5,000 per year...they were not very happy when they discovered they had been overpaying for years. Don't let this be you...you are smart.

Some Comments this month

I enjoy receiving emails from readers...some say thanks, and you are welcome...some ask questions, and every effort is made to answer them promptly. One type of question comes up a lot..."exactly where would you move to"...I try and give general direction to these requests, but it is very personal and each one of you is different.

So enjoy the search for the perfect retirement home.

Arizona works for us but maybe not for you


I am often asked do we miss the sailboat life in the Caribbean? Of course we do but our answer goes to the core of frugal retirement living.

I am almost 64, when we retired to the boat I was 49. Going up the mast did not seem to be that big a deal then...it would be now. Keeping up with varnishing the teak would be more of a chore now.

I report this because there is one thing for sure, no one is getting any younger. Retire as soon as you can so you can physically do and enjoy what you want.

Could we go sailing if we had just retired now...maybe, I am just not sure. I am pretty sure that we would not be able to do it for 8 years like we did.

Something to ponder.

I need your input

I hear from a lot of you already but I am always looking for ways to improve the site. Please contact us with suggestions of what you want to hear about.

When the next newsletter comes out I will be 64 and one year closer to Medicare...if it still there. I look forward to updating the site, and saying..."I am 64 and have been retired for 15 years..."

God Bless until next time.


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