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Frugal Retiring News, Issue 43 December, 2012
December 21, 2012

Merry Christmas everyone

Here is a the usual cruise ship picture of Julie and I on our recent cruise to Hawaii.

We both hope that 2013 will find you and your loved ones in good health and happiness.

We feel very blessed and at this time of year... especially in light of the recent tragedy in Newtown, please hold and hug all that you love when you have a chance.

Here are a few new pages that I put up on how to save money when traveling to Hawaii by cruise ship.

frugal Hilo

frugal Honolulu

The highlight of our visit to Hawaii

Being a resident of Arizona made visiting the battleship Arizona National Park in Pearl Harbor even more memorable.

It is the tomb for 1105 sailors and Marines that were trapped inside on December 7, 1941.

If you ever visit Hawaii this is a do not miss.

how to save money when you visit Pearl Harbor.

My crystal ball for 2013

It is foggy at best... let's just hope for the best.

One of the premises of is no credit card debt.

Yet quite simply, our nation is spending $11 for every $5 it takes in in revenue.

It sure sounds good to soak the rich with higher taxes... but the fact of the matter is, if taxes are raised on the rich...over $250,000... that will cover federal spending for eight days... not weeks or months...eight days.

I am far from that bracket, so I'm not worried personally, but rich folks are the ones that invest... and investments create jobs...DUH.

I would not hold my breath for the federal government to act like you and I are forced to do everyday... don't spend what you don't have.

Frugal tip of the month number one

In light of the above... and at the risk of being accused of putting my head in sand... I have decided to limit my television news consumption to 30 minutes a day...

We are taping and enjoying such hard-hitting programs as Gunsmoke, MASH, and the Andy Griffith show.

Add to this collection shows from National Geographic, the travel Channel, an occasional PBS special... and you have what our family consumes from visual media every day.

Seriously, I went to the cardiologist several months ago with my soon to be 92-year-old uncle and that is exactly what he recommended my uncle do...stop watching the evening news... to reduce stress and consequently improve his cardiovascular health.

So rather than be frustrated, you may want to do the same...less stress, less time in hospitals and doctor visits, less money spent... that's what it is all about .

So good health and less stress is frugal tip number one.

Frugal Tip of the month number two

If you haven't already, I would urge you, to read a new page that I put up...

here is the page

It is self-explanatory, and represents exactly what happened to a good friend of mine.

Remember the phrase..." anything that you say may and can be used against you"?

Never joke or make flippant answers to seemingly harmless questions when you are visiting your doctor.

What gets on your medical record will stay there for the rest of your life and can certainly hurt you.

I am not suggesting that you be untruthful with your doctor because they are there to help you, but read the referenced article to see what I'm talking about.

Incidentally, no privilege exists between you and your CPA as well... if you use one to prepare your taxes.

If you make a statement like, " I just estimated the following expenses..."... your CPA can be forced to testify against you if you ever find yourself in Tax Court.

The only privilege that does exist is between a lawyer and his or her client... and let's hope that never becomes necessary for you.

PS I use the software Quicken TurboTax, to do my own taxes and have so for the last 10 years or so... If you don't use it, and have a CPA do your taxes... you may want to consider it it will certainly save you some money.

Frugal Tip of the month number three

One last tip that may be discouraging... and we will finish up the newsletter on a positive note.

On our cruise to Hawaii we made friends with a couple from Canada... he was a clinical psychologist, working for the Canadian government, and his wife also was involved in healthcare.

Since we here in the United States are headed for federally controlled healthcare... we may want to take a look at a Canadian doctor's opinion as someone who has seen how federally controlled healthcare really works.

He used the example of someone that may need a hip or knee replacement... the wait to see a doctor to okay the operation may take two years... and then another two years to have the operation actually performed.

I thought he was joking... he was not...and stated that most Canadians, who had the means, needing such a procedure... went to the US or other countries for procedures.

He has seen patients die, waiting for a procedure, that could have saved them... when they get lost in government bureaucracy.

more info on healthcare overseas options .

He also said if you are over 60 you could forget being considered for joint replacement in the Canadian national healthcare system.

Enough bad being the end of the world... according to the Mayans... is bad news enough.

Frugal tip of the month number four

If you are making any New Year's resolutions... you may want to consider adding the following... they can save you money.

Refinancing your home... interest rates are still low, and I refinanced my home for the fourth time in a little over two years in October... there is still time to do so Here is the info on how to proceed .

Please don't miss this opportunity to save every single month.

A few pages, with many money-saving links...

The guide to living cheap

How to complain the right way and save money

Specific strategies to save money

Frugal tip of the month number five

Thanks to those readers who took advantage of Site Build It, Christmas special two sites for the price of one.

It expires on Christmas day so you still have time if you are interested in setting up an online business like I have.

Click here

How you can help me now and next year

If you would like to give Julie and I a Christmas present, that is free to you, and be of help to your friends, family and neighbors...please forward this newsletter to them.

Or better yet, post a link to with your recommendation, to your Facebook friends, Twitter contacts, or local newspaper.

Increasing traffic to this site, is what keeps it going, it is the lifeblood of any online business.

If you find that this site has helped you to save money, or giving you any ideas on how to retire and stay retired... please give this site as much exposure as you can to your circle of friends, and family and contacts.

We would both certainly appreciate it...

Merry Christmas... stay frugal in 2013,

Gary and Julie Pierce

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