The Frugal Life News

Disabled Individuals - Discounts Site

2012-02-10T05:00:00.006-05:00

From DisabledDiscounts.com

Editor's Note: I came across this website and having two family members that are disabled this is very appropriate to investigate. Looking deeper it has been featured in Verizon and Costco employee related information. As well as, many regional local distributions also. For $25.00 per year it looks like something to check out. Below is the owner's story.

Our Story

We live with and understand the financial burden of disabilities... over 26 years ago, my wife was diagnosed with Multiple Sclerosis. In addition to the difficult emotional and physical adjustments, the family's financial strength weakened. Her earning ability became quite limited, and there were (and are) many additional expenses for her care and comfort. As time goes on keeping up becomes even harder.

After we moved to a new home we discovered there were little-known real estate tax discounts to which we are entitled simply because she is a person with a disability.

This triggered the idea that there might be other discounts for people with disabilities. Through many months of research we have found there are many existing, but hard-to-find (and in some cases unknown), discounts available to us. These are discounts from local, state and federal entities as well as from private corporations, stores, organizations and other sources.

In the beginning we felt it would be wonderful if people with disabilities could save $100.00 monthly by taking advantage of the discounts that are out there. At this point, depending on which discounts you take advantage of, the savings are in the thousands of dollars. Just as important, and on an extremely satisfying emotional level, my wife feels that she is pitching in financially again.

For more information and discounts.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Your Financial Future: Getting Your Will Right

2012-02-10T05:00:00.005-05:00

From AARP Bulletin

It’s easy enough to understand why most of us are reluctant to write a will. Who wants to confront mortality?

I finally drafted a will about 10 years ago after my lawyer sister insisted. I realized that if I were to die before my pending divorce was final, everything would go to my soon-to-be-ex-husband unless my will said otherwise, and that turned out to be just the motivation I needed.

Now things have changed, and I really need to pull together a new will. It has been on my to-do list for more than two years.

And yet, I haven’t done it, and I suspect I’m not alone. So I turned to ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Blood Pressure Check in Both Arms Could Catch Silent Disease

2012-02-10T05:00:00.000-05:00

From Live Science

Measuring blood pressure in both the right and left arm may be an effective way of catching a silent but serious disease of the blood vessels, a new review says.

The findings showed that a difference in systolic blood pressure between the arms was linked with an increased risk of peripheral artery disease (PAD), a condition that involves a narrowing of the arteries in the extremities, particularly the legs and feet.

When researchers examined study participants' systolic blood pressure readings, those who had a difference between their right and left arms of 15 millimeters of mercury (mm Hg) or more were 2.5 times more ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Spear Phishing Uses Friendly Faces to Spread E-Mail Fraud

2012-02-04T05:00:00.005-05:00

From New York Times.com

Most people know to ignore the e-mail overture from a Nigerian prince offering riches in exchange for a bank account number. That is a scam, plain to the eye.

Secretary of State Hillary Rodham Clinton said the F.B.I. would investigate a series of fraudulent e-mails.

Enrique Salem, Symantec's chief executive, said hackers personalize messages.

But what if the e-mail appears to come from a colleague down the hall? And all he asks is that you add some personal information to a company database?

This is spear phishing, a rapidly proliferating form of fraud that comes with a familiar face: messages that seem to be from co-workers, friends ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Eating Fish Reduces Alzheimer's Risk

2012-02-04T05:00:00.004-05:00

From NewsMaxHealth.com

Eating baked or broiled fish once a week improves your brain health and cuts your risk of developing mild cognitive impairment (MCI) and Alzheimer's disease, according to a new study from researchers at the University of Pittsburgh Medical Center and the University of Pittsburgh School of Medicine.

"This is the first study to establish a direct relationship between fish consumption, brain structure, and Alzheimer's risk," Dr. Cyrus Raji said in a statement. "The results showed that people who consumed baked or broiled fish at least one time per week had better ... Read the entire article.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

Great Work-at-Home Jobs for Retirees

2012-02-04T05:00:00.001-05:00

From AARP Bulletin

Returning to work is an economic necessity for some retirees and a personal choice for others. Either way, the prospect of long commutes and annoying co-workers can be daunting. A good compromise might be to find a work-at-home job.

That's what Jackie Booley did. In 2007, she retired from her position as an AT&T call center manager. Her husband had recently died from chronic kidney failure, and Booley, then 61, was exhausted from serving as his primary caregiver while holding down full-time employment.

But retirement proved to be short-lived. Two years later, with energy restored and her nest egg depleted, she found a part-time job that allowed her to work from home. Now, when you dial ... Read About the Other Jobs.

Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Women * Men * Children * Essential Oils * Cleansing * Weight Loss

The Employee Mindset Needs To Go

2012-01-29T10:00:00.000-05:00

From Afford-Anything.com

Last week I jetted to New Orleans for a journalism conference and then zoomed to Chicago for a blogger’s conference. After seeing these two groups back-to-back, I had a huge “A-Ha!” moment. I figured out why one group is beating the pants off the other.

You see, there’s incredible pessimism in journalism circles: everyone’s crying about the lack of jobs. And there’s enormous optimism in the blogger community: everyone’s celebrating the zillion ways to launch a career ... Read the entire article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Stop Spending Money - The Definition

2012-01-29T09:00:00.000-05:00

From EnemyOfDebt.com

Here are stories of two people who just didn’t “get it” when they were told to “stop spending money.”

Before we dive into the personal lives of others, let me be clear about my intentions. I’m not here to embarrass anyone, find fault or make fun. My intention is to use examples from real life situations that will help some of this “soft technology” stick better, so we can improve our chances of success in personal financial matters based on insights from genuine experience. Read the entire article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Buying a Car Online

2012-01-29T04:52:00.000-05:00

From Stretcher.com

How would you like to purchase your next vehicle without leaving your home? What if you could get the exact features you desire, the best interest rate available, and have dealers outbidding each other to get you the lowest possible price? What if unpleasant haggling and the disquieting feeling of getting rooked at car dealerships were a thing of the past?

All this is possible by buying a car online. Our family just purchased a new van by using our computer. We didn't have to leave home until we went to test-drive and pick up our new wheels. Since we did all the research and negotiating first, it was a simple matter to sign papers and finalize the deal. Read the article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

25 Frugal Changes You Can Make

2012-01-23T04:45:00.000-05:00

From WiseBread.com

Frugal living does not have to involve drastic changes; a few simple everyday changes can go a long way.

Here are 25 changes you can make today and start living a frugal life without taking frugality too far. Read on ....

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Finding Auto Service

2012-01-23T04:28:00.000-05:00

From PTMoney.com

One of my least favorite things to do in life is deal with my car. Not because of the car itself.

Because of the people I have to deal with when it comes to buying or repairing cars.

Car salesmen and mechanics are two of the least trusted professions. I just have a hard time placing my full trust in them. It’s also possible that I have an unreasonable understanding of what it should cost to maintain a car past 100,000 miles.

So when our car’s maintenance light came on the other day, I prayed that it would just be an oil change needed. Read on ....

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

9 Ways to Help Clothes Last Longer

2012-01-23T03:57:00.002-05:00

From MSN Money

As an avid thrift shopper, I see firsthand the wreckage that bad laundry habits cause. The extra large virgin wool sweater that barely survives the dryer as size 3T, the nice white cotton shirt that met an early death from a red wine stain -- these are all preventable tragedies.

Since we spend some serious cash on our clothes from time to time, let's make them last by exploring a few defensive measures we can take in the laundry room. Read the entire article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

USPS Postal Rate Increase

2012-01-17T10:33:00.001-05:00

Get those Forever Stamps purchased before January 22nd! First class postage goes up a cent, but that's nothing compared to shipping rates:

The U.S. Postal Service has proposed new 2012 shipping rates that are expected to start on January 22, 2012. The average increase for all shipping classes is 4.6%.

Private carriers such as UPS and FedEx have already announced price increases for 2012. UPS announced they are increasing prices on ground and air shipments by an average of 4.9%.

In September, FedEx announced it would increase rates by an average of 3.9%. The Postal Regulatory Commission (PRC) must review and approve the new rates before they become effective January 22, 2012.

This is the same day the new USPS mailing service prices will take effect. Read the details.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

4 Reasons to Stop Saving for Retirement

2012-01-17T04:49:00.000-05:00

From Stretcher.com

This introduction may run contrary to the title of this post, but I cannot overemphasize the importance of saving for retirement. If you are saving now, consider saving more. If you haven't started yet, you'd better get going.

You can't start too early, and for the most part, you can't save too much. You may, however, be in a specific financial circumstance that justifies temporarily or permanently ceasing your retirement contributions.

If you're in one of these four situations, then it may make sense to give your retirement account a break. 4 Reasons to Stop Saving for Retirement.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

5 Family Business Ideas

2012-01-17T04:24:00.000-05:00

From Not Made of Money

Being an entrepreneur is hard enough work when you’re doing it by yourself. Having a team that you can rely on and use their strengths could help your business be successful. So why not start a family business?

What a great way to keep the family close and earn extra money. You can decide to pursue the business full time or have it as a side business. Maybe your spouse can be your partner and the children can be employees. Get your in-laws together and maybe some siblings, and a family business is born.

So what kind of businesses can you start with your family? Read more.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

The Four Phases of Frugality

2012-01-11T07:00:00.000-05:00

From Frugal Dad

I have not always been frugal. In fact, there are times now where I often feel less than frugal, as I occasionally make an impulse purchase or indulge in something that isn’t exactly frugal. But hey, I’m human.

What I have noticed over the years is that our frugality has gone through very distinct phases, nearly coming full circle ... Read the entire article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

5 Best Ways to Make More Money

2012-01-11T04:51:00.000-05:00

From Stretcher.com

No matter how much you have, everyone can use a little extra money. And that's truer these days than at any time in recent history. According to the Census Bureau, after inflation, median household income fell 2.3 percent last year and has dropped 7 percent since the turn of the century.

With inflation-adjusted income falling, the average American has two choices: bring in more money, or watch your standard of living erode.

In the video and article find out how to make more money and keep more of what you make. Read on ....

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

The Line Between Frugal and Crazy

2012-01-11T04:46:00.000-05:00

From WiseBread.com

You don't have to go very far down the path of being frugal to reach the point where people start questioning your sanity. (You bicycle to work? Even though you have a perfectly good car?)

On the other hand, there's no idea so crazy that there aren't some frugal folks out there who swear by it. (I hesitate to suggest an example, for fear of offending some of our committed readers.) Still, there is a line where frugality becomes pathology.

In fact, there are two lines. We have names for them. We call them stingy and miserly. Read the entire article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Make a Cassette Tape Purse

2012-01-05T08:52:00.002-05:00

From SierraClub.org

Use the cartridges as they are to show off your sophisticated taste in ’80s music. Or if, like me, you prefer not to advertise how uncool you were as a teenager (Amy Grant’s Christmas album? Really?), cover them with stickers and decals.

If you’ve never known a world without CDs and iPods (or you jettisoned your cassettes long ago), don’t worry: The tapes are easy to find. Just ask around. Diving into your aunt’s trove might tell you a lot about her younger days and why she became a crazy cat lady. Read the entire how-to article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

New Grain & Allergy Free Cat Food from Flint River Ranch

2012-01-05T08:46:00.000-05:00

News Release from Flint River Ranch

You've asked for it and we did it! We have finalized a new Grain Free Cat and Kitten Formula. Yes, it will be good for all life stages of your kitty!

To go along with this new formula, you'll notice a new bag design. We feel that this cat represents the strength, vitality and good health that Flint River Ranch formulas provide.

Attributes of our new Grain Free Cat and Kitten formula are higher portions of protein (42% minimum!) to other ingredients compared to our existing formula.

Proteins make up half of the first 6 ingredients. Yes, this is still a chicken-based formula. Using chicken allows for easier transition from our existing cat food formulas.

We are also adding a good amount of cranberry to assist in keeping your cats urinary tract in good shape and to help minimize urinary infections. There are a lot of other aspects to enhancing the cats litter box environment but we know that cranberries in their diet will help. Get more information on new formula.

Sponsored by Healthy Pet Corner

Food Prices for 2012

2012-01-05T07:50:00.001-05:00

In a persistently bad economy where the mere absence of bad news is seen as good news, food shoppers can expect slightly less pressure on their pocketbooks next year.

Smaller price hikes are expected for food overall, but watch out for meats. Read about it.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Join In! World Swap Day

2012-01-05T04:05:00.000-05:00

From TheSwapaholics.com

The entire mission of World Swap Day is to raise awareness for swapping as the new shopping, by hosting (hopefully!) more than 500 events around the world during the month of January — clothing swaps, food swaps, book swaps, kids’ gear swaps, beauty swaps, video game swaps, seed swaps, teacher supply swaps, craft swaps, you name it — and have them all listed on our Events.Swap.com directory. Read more.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

How to Downsize Your Home

2011-12-29T05:00:00.005-05:00

Many people are looking to downsize these days, either because they're getting older or they need to reduce the financial burdens of a big house and mortgage. But editing a lifetime's worth of possessions can be difficult.

I spoke recently with Jim Henderson, president of William C. Huff Companies, a moving and storage firm with offices in Naples, Fla., and Barrington, N.H., to find out how to handle what is often a time-consuming and emotional process. Mr. Henderson specializes in affluent homeowners, whose homes average 6,000 square feet, and who may pay up to $100,000 to move a household full of antiques, artwork and other fine furnishings.

Here are his tips:
Start early: Too often, families don't start going through their things until they've signed a contract on their new home. Then as they become overwhelmed with other details of moving, they quickly abandon ... Read the entire article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

5 Things Your Doctor Doesn't Like About You

2011-12-29T05:00:00.003-05:00

Or, how to keep you off the "difficult patient" list.

Ask anyone what's wrong with the medical profession and you'll hear a long list of complaints: Too many pricey medications. Forever behind schedule. Always talks, never listens. Rushes me in and out of the examining room.

But people rarely hear what bugs doctors about patients. Their gripes are generally aired as doctors walk the hallways at medical meetings or chat behind closed doors at conferences. Here's your chance to find out what annoys your doctor.

1. You don't arrive on time
"It drives [some] doctors crazy when patients turn up late for an appointment," says Mary Catherine Beach, M.D., of the Johns Hopkins School of Medicine. "You can see the irony in that because patients almost always have to wait to see their doctor." But quite often the reason you're left twiddling your thumbs is that someone. Read the entire article.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils

Prepaid Funerals - You Be the Judge!

2011-12-29T05:00:00.001-05:00

Paying for the funeral ahead of time, sounds like the thing to do. However, there are complications that can arise that even the most ardent planner may have missed.

For instance;

1. The funeral home you have been paying changes hands - many times the new owner will not honor the prepaid funerals from the previous owner(s).

2. Federal law doesn't regulate the funeral industry, so investigate the state you're in to find out what protection you can expect.

3. The costs aren't necessarily locked in at the time of your death so make sure you read the fine print.

What are the Alternatives

1. prearrange your funeral without paying for it in advance

2. set up a "payable upon death" bank account. It will earn interest, be available for an emergency, and still provide financial support to your family when you pass away.

Since their is no federal oversight, it is imperative you contact your state agency that regulates the funeral industry and talk with them about your prepaid funeral concerns. Find out more specifics.

This Website is Sponsored by The Herbs Place - Wholesale Prices Always
On Sale Now * Online Catalog * Women * Men * Children * Essential Oils