CHECK HOME INSULATION IN THE WINTER
Icicles and hot spots tell you where to look

Frugal Living Tips
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January 18, 2002 Issue


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============================================
  S A V V Y - D I S C O U N T S . C O M
          N E W S L E T T E R
============================================
Published 1st & 3rd Friday Of Each Month
Vol. 8, January 18, 2002
============================================
IN THIS ISSUE:
1.)...BREAKING NEWS: Deep prescription discounts
2.)...Watch those extra credit card charges
3.)...Winter is best time to
      check home insulation
4.)...Simple cure for aching feet
============================================
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Read past issues of the newsletter at:
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<------------ Maximize your screen for best viewing ------------->

---------========| Deep Prescription Discounts |========---------

January 15, 2002: Late Breaking News

#1. PFIZER ANNOUNCES DEEP PRESCRIPTION DISCOUNTS
      FOR LOW INCOME SENIORS

Giant drug company Pfizer announced that it will charge only $15
for many monthly prescriptions to seniors who are already
enrolled in Medicare and who make a gross income less than
$18,000 individually or $24,000 as a couple. 7 million seniors
may qualify. There is no fee and no limit on the number of
prescriptions. CVS, Wal-Mart and others will participate.





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-------------========| Credit Card Charges |========------------

#2. WATCH FOR FAULTY LATE CHARGES ON YOUR STATEMENT

Check your credit card statements carefully.

With all the terrorist problems and the threat of anthrax, the
mail has been less than reliable. In November I mailed two bills
on the same day. One took two days to arrive and be credited, the
other took nine days and arrived past the due date causing a late
charge.

A quick call to the card company resulted in a credit of about
$30. Usually a phone call within a few days of receiving your
statement will get this type of charge removed. It works best if
you can back up your claim that you mailed in on time.

However, it is very important that you correct this immediately,
not only because it will save you a late fee. A late payment can
trigger substantially higher interest rates on your account and
may be reflected on your credit record.



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----------========|  Winter Insulation Check  |========----------

#3. ICICLES AND HOT SPOTS:
    WINTER IS A GREAT TIME TO INSPECT YOUR INSULATION

Those beautiful icicles dripping down from your roof are often a
sign that some insulation is missing. Heat from your house is
melting snow on your roof, water is running down and then
freezing as icicles. Also look for areas on your roof that clear
more quickly than the rest. Recent studies have shown that many
contractors who install insulation often miss the edges of attics
and other odd places.

Next go up into your attic and check. Just a few gaps here and
there can result in heat pouring out of home so that you are
paying through the roof.

Filling gaps in insulation may be one of the most cost effective
improvements you can make. This is because you are only plugging
gaps in your insulation barriers. The price is very small and it
may even pay for itself in the first winter. In addition your
home will feel more comfortable and less drafty.



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-----------========| Those Aching Feet |========-----------

#4. SIMPLE CURE FOR ACHING FEET
     AND EVEN LEG AND BACK PAINS

Just about everyone suffers from tired aching feet after standing
for hours. You can buy expensive special shoes or inserts or
costly baths to soak your feet -- or you can try this cheap easy
technique.

I have discovered a very simple cure that may not work for
everyone but will help many people and costs nothing.

When your feet or even your back or legs start to hurt, change
your shoes. I find that wearing my pair of old shoes I wore
before my current pair works best.

Over Christmas my back and feet were both hurting. Then I
remembered this trick. A change of shoes cured me within a day.
The difference was very dramatic.



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