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Frugal Retiring News, Issue 52, September 2013
September 21, 2013

Be cheap and still get the shot

When we took the public bus in Juneau and walked a mile and a half to the Mendenhall glacier visitor center... We came across this gal gorging herself on the many salmon in the stream.

Point being, if we had taken a bus tour we would've missed this shot.

We spent eight dollars on the bus... Ships tours that take you directly to the visitor center would've been $32.

Being frugal we were able to share our picture with the Park Rangers and other tourists... No one else had seen a bear, certainly not this close.

We also enjoyed thinking, about what we're going to do with the $24 that we had saved by taking the public bus.

We got exercise (you need all you can get on a cruise), a great shot, and saved money.

Changes on the site

You will see a change in the site appearance.

Here is a sample of how the site will look in the future.

I have just started the change over process, and with 368 pages it will take quite a while to get the entire site changed over.

Why I'm doing this?

Quite simply, The company that I use to produce this website has made it so much easier to build pages that it was over four years ago when I started.

My only regret, is that their new tools, were not available then... But they are available to you.

Here is a the proof.

In case you haven't noticed, the jobs being created today are part-time jobs... Making self-reliance more important than ever.

Having your own website is one of the easiest ways to supplement your income...

here is more info.

With an ironclad 90 day money back guarantee you have nothing to lose.

Frugal tip number insurance

Many of us are going to be hearing from our health insurance companies October 1...the kickoff date for Obama care.

This new much-publicized program is supposed to reduce our cost for medical insurance... Just in case you are surprised that your rates are going up instead... This is a resource that you really cannot be without.

We have used it for 11 years.

Sorry if you're over 65, you will have to wait along with me, if you have Medicare Advantage...and see what your rates will be for 2014... I am not holding my breath.

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?

If your rates do go up, this should be your first stop online to save money on something now everyone is going to have to have.

You are most welcome.

Frugal tip number two...Amazon and Ebay

We find that almost every time we need something our first two stops online are the above sites.

Amazon and Ebay are the online giants of buying merchandise online.

You may be reluctant to purchase online... We were skeptical at first... But you cannot beat that customer service of both companies.

They are so huge, that you will find that sellers on either site are quick to respond favorably to you the consumer... Sellers do not want to offend such a huge portion of their business.

A quick case in point... Last week we ordered some items for our landscape lighting. I traced the package, and FedEx said it was left at my doorstep last Saturday... We never received a thing.

An email to Amazon explaining the situation, resulted in the order being replaced... With free overnight delivery... No extra charge to me.

It used to be that anything that you bought online was tax-free... Arizona is now starting to collect sales tax on certain, but not all, items that we purchase online.

You cannot beat the convenience of having something delivered to your door... You can waste a lot of time going to Home Depot and Lowe's, and find out that they don't have the item, or that it's overpriced.

I always check the price and availability at Home Depot and Lowe's first, and then compare their prices to Amazon and eBay's.

Here is more info.

Frugal tip number three...Ace Hardware

Despite the Lowe's and Home Depot generally having lower prices than Ace Hardware... It is a resource not to be overlooked.

You cannot beat their customer service... How many times have you looked for someone at Lowe's or Home Depot for assistance?

Is the other way around at Ace Hardware... They ask you when you walk in what you're looking for.

Recently, related to the above purchase for outdoor lighting, I discovered that I needed a Torx screwdriver to open a part to determine the date of manufacture and whether or not it was under warranty.

A quick trip to Ace Hardware customer service department, they opened the part I had brought in.... To where I could get the information I needed... With no charge.

So sometimes Ace...really is the place...for your friendly hardware person.

Frugal tip number four...refinance

You may have noticed that interest rates for refinancing are on the rise.

The recent action by the Federal Reserve may result in refinance rates going down again.

You owe it to yourself to check and see if you can still lower your monthly outgo on your mortgage.

Here is the resource, I use it myself.

In closing

Thank 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.

Until next time...

All the best,

Gary and Julie

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