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Frugal Retiring News, Issue 49, June 2013
June 22, 2013

Put this place on your bucket list

This is one of the most beautiful places that Julie and I had the privilege to visit... the Cinque Terre region on the northwest coast of Italy.

Note Julie is wearing a Camelback, a water carrier very useful for hiking... stay hydrated.

If you want more information here is the official site of the area.

Here is the page I put up on site concerning that area... Cinque Terre,Italy

Now let's get to work and try to save some money... so we can do some more traveling.

Please refinance your home

This week the stock market went down 500 points in two days... due to the Federal Reserve Board saying that the days of easy money are coming to an end.

In English, this means that it is likely that interest rates will go up.

Home mortgage rates have been so low for so long that you may have put off refinancing your home... please wait no longer.

click here or go to any page@

In the upper left-hand corner right above my mission statement you can click and be directed to Lending Tree and get five companies competing for your refinancing business.

We have refinanced ourselves four times in the last 2 1/2 years... believe me it is worth the frustration of dealing with the underwriter requirements... you cannot spend your time any more efficiently than saving by refinancing.

Even if your home is underwater, the mortgage balance being more than the appraised value of the home, there are government programs that will allow you to refinance... they may not be around forever.

Please don't put this off.

Are you ready for your summer vacation trip?

I just put four new tires on our 99 model Lexus with 207,000 miles on the odometer.

Is your car ready, for the trip to see the family this summer?

I recommend using BrakeMasters, for your pretrip inspection... The mechanics there do not work on commission and I have given them all of my car repair business for the last eight years.

Here are some pages to check out for money-saving travel trips

Frugal vacation tips

Car tips

Free ideas

Baby boomer travel

I also would recommend checking out a membership in AAA, we have been members for 30 years, even if you don't need their towing service... the free trip planning, tour guides, and maps, are worth the membership price...

Sometimes the GPS will steer you wrong... it's always a good idea to have a map.

Here is the official site for AAA .

In addition to the above you can sometimes get discounts on motel rooms with your AAA card.

New Ebook coming

As a companion e-book, to how to retire to a sailboat I am going to compile an e-book with frugal health tips.

You can save money all your life and not be able to enjoy retirement because of health issues.

I am reminded of this, because three of my very best friends, are undergoing diagnostic tests... and/or radiation and chemotherapy for treatment of cancer.

All of this, while we were on vacation.

You can't put a price on good health... so don't put off at least an annual trip to the doctor for a physical.

You can also take charge yourself... even before Medicare by getting bloodwork done at least on an annual basis... we have done this for the last 20 years, it costs anywhere from $25-$35, and you can usually find a laboratory... or one that visits grocery stores.

It's a great way to keep your own tabs on things like, blood sugar, cholesterol, and thyroid function.

No one cares about your health more than you and your family.

Do not expect your doctor to warn you about an unhealthy trend in any of these numbers, you have responsibility yourself.

Doctors are seeing more patients and spending less time with patients than ever before...and that trend will certainly not change in the future.

European travel tips

If a trip to Europe is in your plans, I have put up a few pages that are specific to that area...

Frugal Europe

Italy by train

Frugal Pompeii

You will see a lot of familiar tips, but hopefully some new ones that you can apply to any area that you vacation.

We were especially surprised by how much we could save by renting an apartment in Rome, far from downtown, in the suburbs, but close to the Metro... we had access to local grocery stores, and the Metro took us rapidly and safely to all the places we wanted to see... from St. Peter's, to the Coliseum, the Trevi fountain... yes we threw a coin over our left shoulder.

In closing

Here's hoping that you will have a safe and enjoyable summer, and enjoy it in good health.

Hug those folks that are dear to you...

Keep on being frugal, save those bucks, and watch your bucket list get smaller.

Until next time...

All the best,

Gary and Julie

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