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Frugal Retiring News, Issue 51, August 2013
August 24, 2013

August in Alaska

When you receive this, we will be on what has become an annual August trip... It gets a little hot in Phoenix in August.

Do some shopping around, we found this cruise for $699 per person for a 14 day cruise... That's $50 a day, for our meals entertainment and travel... Only unpacking once.

My favorite website for checking low cruise prices is

Vacations To Go

We find that Princess cruise lines is our favorite.

There are certainly cheaper cruise lines... Those that cater to a younger, or older, crowd or families with small children...

There is a cruise for everyone, and it is very very cost effective.

On some cruises you may have some strange "enrichment lectures"...

Here is some guy, talking about how a shore excursion in the Virgin Islands led to him living on a sailboat in the Caribbean for eight years.

Here is how he did it.

You never know who you're going to run into on a cruise ship.

Frugal tip number issues

I recently read that all baby boomers should be tested for hepatitis C... So I asked my doctor.

She says it's a waste of time and money unless you have had a transfusion or have been an IV drug user.

Rather than incur a high charge for a visit to a hospital emergency room... Try using an urgent care center.

The are reasonable in price, $65 is what they charge currently in the Phoenix area... And are quite competent.

Also check into, companies that will do blood work... You can keep track of your own cholesterol, insulin levels, etc. for about $30-$35.

All of this assumes that you are not yet eligible for Medicare, under 65, if you are under 65... Use the following service.

We have used it for 11 years.

Julie is not yet 65, and we were able to lower her payment by $40 a month by using your site.

What I love about the site, is that you can get 100 quotes in about a minute, and not have to give out your phone number... Don't you just love to be interrupted when you're having dinner by an insurance sales person?

Frugal tip number two...Before

Frugal tip number two... After

I recently decreased our living room clutter by switching to a universal remote... So far it's worked great.

For $61, at, I think it's pretty good way to simplify your electronic life.

The one that we bought is a Logitech Harmony 650... The setup was seamless and painless.

That is of course, unless you have a 10-year-old living with you that has forgotten more than you'll ever know about electronics or computers.

Frugal tip number three... Credit cards and airlines

I am an unabashed fan of Southwest Airlines, for the following reasons...

1) When you need to change your ticket there is no charge whatsoever... I've brilliantly made flight reservations from Phoenix to Sacramento, when I meant to make them from Phoenix to Seattle... For our cruise... No problem, no charges with Southwest.

2) No fees for baggage, when we go on a cruise we have no problem filling four suitcases... Use any airline other than Southwest and that will add a hundred dollars or more to your trip in a heartbeat.

3) No blackout dates...if they have a seat and you have the can go

4) Southwest Airlines does not force you to buy a round-trip ticket... Very important if you want to fly to Florida, get on a cruise ship, go across the Atlantic, and return from Rome.

Another credit card that I recommend, although it has a pricey annual fee... Is the Chase Sapphire card, you can switch your miles from various airlines to the one that is most convenient for you.

The second reason, is their dispute resolution service that is the best I have ever encountered... We were victims of a software service scam.. Long story short our charges were removed with one phone call.

We also received a refund for a unused nonrefundable train ticket in Italy... A real person answers on the first or second ring if you can believe it.

Check it out if it works for you.

Frugal tip number four...our Mexican dentist

The Mexican dentist that we recommend has a new phone number

Here is the page.

I do not hesitate recommending Dr. Jerry, he is very conservative, and I watched an American walk into his office and ask what he charged for teeth whitening.

He politely turned down the business... Said he did not do that procedure... It weakens the teeth.

In closing

Hope this newsletter finds you and your loved ones healthy and happy... If you enjoy this newsletter please forward it to your mailing list, Google plus circles, Facebook friends... Etc.

Until next time...

All the best,

Gary and Julie

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