Back to newsletter listDate:
Sun, October 22, 2006 09:00:00 PMFrom:
editor@stretcher.com
Subject:
10/23/06: The Dollar Stretcher
===========================================================
The Dollar Stretcher
"Living Better...For Less"
October 23, 2006
Volume 11, Number 43
===========================================================
To Subscribe
send mailto:sub-dollar-stretcher@hub.thedollarstretcher.com or
visit http://www.stretcher.com/menu/subscrib.cfm
To ***
send a blank
mailto:leave-dollar-stretcher-4-2263148P@hub.thedollarstretcher.com
"The Dollar Stretcher" and Dollar Stretcher, Inc. does not
assume responsibility for advice given. All advice should be
weighed against your own abilities and circumstances and
applied accordingly. It is up to the reader to determine if
advice is safe and suitable for his/her own situation.
===========================================================
In This Issue:
Introduction
When Grocery Coupons Won't Work
by Gary Foreman
Keep your food bills to a minimum without sacrificing your
diet
Energy Efficiency How-To
courtesy of Lennox Industries
Simple advice for lowering heating bills
5 Frugal Fall Fix Ups for Your Home Decorating
by Kathy Wilson
Easy, inexpensive, and fun ideas to bring the season into your
home!
My Story: Wants versus Needs
contributed by Mary in WA
Sometimes the line is blurry
Tips, Quips, Quotes & Questions
On www.Stretcher.com This Week
===========================================================
Introduction
by Gary Foreman
gary@stretcher.com
Hello to all my Frugal Friends!
Think that we've got an issue that you'll find interesting,
so we'll let you get right to it. Hope you have a wonderful
week!
All the Best!
Gary
===========================================================
Our Sponsor
Save Money with Easy Way to Budget
Unique budgeting system helps you stop unwanted spending and
effortlessly get control of your personal finances.
"BudgetMap is compact, tidy, and amazingly effective."
- Mary Hunt, author of Debt-Proof Living.
Carry it with you - it replaces your checkbook and fits in
your purse or pocket. Instantly see your finances as you make
each transaction. Eliminate month-end surprises.
See it now at:
===========================================================
When Grocery Coupons Won't Work
by Gary Foreman
Keep your food bills to a minimum without sacrificing your
diet
I am frustrated! I always read about people who have many
options in saving money. My husband and I have three children
plus child support for his two. I work part time at various
jobs. Our combined net income is $2500 per month after his
child support. I am currently working on a degree in secondary
education with two years left. We do not live in a town that
offers double coupons or co-ops for food. There are only two
grocery stores. The price of gas lately doesn't even make it
efficient for us to go to Costco 180 miles away. Please offer
some insight for people who have situations similar to this.
Kay
Kay has a point. Not everyone has the same tools available to
them. So let's see if we can't find some ways to reduce
grocery bills for folks who don't live in the big city.
We'll begin with an obvious tool that many of us overlook in
our busy lives. Don't waste the food that you buy. Timothy
Jones at the University of Arizona estimates that 14% of all
the food we buy is wasted or about $590 per year per family.
Two tools will help you to avoid food waste. First, don't buy
perishables that aren't in your menu plan. Second, have a plan
for your leftovers. Don't let them spoil in the refrigerator.
Many families have gotten in the habit of freezing meal-sized
portions of their leftovers immediately after a meal. Each
portion is marked and dated so it's easy for snackers to find
what they want. Some even go so far as to keep a running
inventory posted on the freezer door listing what's inside.
That's especially useful for busy families where not everyone
gets to eat at the same time.
Avoid buying prepared and individually packaged foods. That
means everything from microwave dinners to prepackaged potato
chips and individually wrapped cheese slices. There are
exceptions, but typically you pay for convenience. Quite a
lot, in fact. Sure it's nice to have those little carrots
already sliced. But compare prices to the unprocessed carrots
and you'll see just how much it's costing you.
Food preparation doesn't need to be a burden. Your kids can
help. Even young ones can learn simple tasks. Not only will
you be spending quality time together, but also you'll be
teaching them money-saving skills.
The third technique is to shop like a professional buyer. A
pro always wants to know when and where they last bought an
item and how much they paid for it. You can do the same thing
by creating something called a price book.
This simple tool can cut your bills by 10% or more. Most
families have between 10 and 20 recipes that they make
regularly. And, those recipes contain 40 or so different
ingredients. So you end up buying the same things over and
over. You'll also find that a large portion of your grocery
bill is spent on less than one third of the items that you
buy.
A price book helps you keep track of those items. You can buy
a price book (search online) or make your own. All you need is
a loose-leaf or spiral notebook of any size. Each item has its
own page. Keep track of information on those frequently
bought, expensive items. List the date, price, package size
and which store you were shopping at. That way, when you're
shopping, it's easy to identify the real bargains. Stock up
when you find a particularly good sale of one of your
regularly purchased items. After awhile, you'll have a well-
stocked pantry and the only items that you "must buy" will be
the perishables. The savings can be significant.
Next, learn more about what you buy. Don't buy low fat, low
carb, all-natural or any other specialty foods without reading
the whole label first. It's all too common for the expensive
version to be the same as the regular product, but at a higher
price. Only thing low-cal is the label.
Eat healthy. Make use of in-season fruits and vegetables.
Reduce the amount of meat in your diet. Not only will you
lower your grocery bill, but you'll probably also reduce your
doctor bills.
Finally, don't buy a lot of different cleaning supplies at the
grocery store. You can make all the cleansers you need for
your home from a few simple, inexpensive ingredients. You do
need to watch which chemicals you put together, but there's no
need to buy expensive name brand cleansers. You can find all
kinds of cleaning recipes on the web or at your library.
Kay is right. It is easier to save money on groceries when
they double coupons, you have a choice of grocery stores and a
warehouse club is just down the road. But, even without those
tools, it is possible to keep your food bills to a minimum
without sacrificing your diet.
________________
Gary Foreman is a former purchasing manager who currently
edits The Dollar Stretcher.com website and newsletters.
Take the Next Step:
- Get your kids involved and freeze meals to help you save
time in the kitchen
- Start your own Price Book
===========================================================
Energy Efficiency How-To
courtesy of Lennox Industries
Simple advice for lowering heating bills
- Seal cracks around windows and doors with caulk or weather
stripping.
- Keep blinds open during the day to allow sunlight to enter
and heat the home.
- Install a programmable thermostat to adjust the temperature
at certain times of the day, automatically keeping the
temperature lower when you're away or sleeping at night.
- To ensure a natural gas furnace is running at full
efficiency, check the filter once a month to see if it needs
to be cleaned or replaced. Also, check to make sure the home's
heating vents are open and not blocked by furniture or
curtains.
- Consider replacing an older furnace with a newer, more
efficient model.
- Insulate the water heater with a water heater jacket that
can be purchased at most hardware stores, and lower the
temperature setting on the water heater to save energy.
- Add extra insulation to the attic.
- Make sure roof shingles are intact and flashings around
chimneys, skylights, antennas and vents are sealed.
________________
Lennox Industries' heating, cooling, indoor air quality and
fireplace products are designed to deliver customized comfort,
efficiency and functionality, with the most innovative and
reliable features available. Lennox also offers the Lennox
Healthy Advantage Program, a simple and cost-effective indoor
air quality testing service that includes an independent air-
quality evaluation and professional consultation. For more
information about Lennox and its customized home comfort
systems, please visit www.lennox.com
Take the Next Step:
- Read more about Furnace Maintenance Plans
===========================================================
Our Sponsor
Save Money On Your Inkjet Needs!!!
Why pay up to $59 for your cartridges when you can use our
Inkjet Services for as low as $5.95* a cartridge! Black or
Color, 100% Satisfaction guarantee AND shipping is Always
Free!
*Special Offer* for Dollar Stretcher Readers Only:
mention this Ad to receive 1 FREE cartridge of your choice,
when you order 2 or more cartridges (first time customers
only; must enter Coupon Code 4444). www.masterinkjets.Com
*Certain restrictions apply; for more details, go to our web
site: www.masterinkjets.Com
Call us 916.481.3479 or email sales@masterinkjets.Com
===========================================================
5 Frugal Fall Fix Ups for Your Home Decorating
by Kathy Wilson
Easy, inexpensive, and fun ideas to bring the season into your
home!
Fall is the perfect time to make some easy changes to your
home, inside and out. Decorating for Fall doesn't always mean
putting up the scarecrow or taping the kids fall leaves to the
living room window. Here are some easy, quick and cheap ways
to update your home decorating for the colder months ahead.
1. Inside and outside of your home, take a few minutes to do
some decluttering. Every season has its amount of clutter and
the summer is no exception! Time to put away the kiddie pool,
pack up the beach towels, and put away the flip-flops lining
the entryway. Make sure you have designated a place for the
kids backpacks and school papers, and set aside a place in the
kitchen to store the lunch boxes, water bottles, and the like.
Get ready now with a little organization, and your home will
show its full potential throughout the season.
2. Warm up your rooms by bringing in the layers. Throw rugs on
the floors, throw blankets on seating, use pillows and layered
tablecloths, placemats, and table runners. The layers of
fabric add warmth and charm, and you probably have a lot of
what you need right in your linen closet. Quilts can cover
tables, cloth napkins can be made into pillow covers, and
sheets can double as tablecloths.
3. Add some layers to your windows as well. Cheap muslin from
the fabric store can be twisted and wrapped around existing
window treatments to add no sew warmth and character. Add a
valance, layer mini blinds under your curtains, or add
decorative tiebacks. No need for anything fancy and expensive.
Try silk flower vines, raffia, bandannas, textured yarn made
into tassels or velvet ribbon, depending on the style of your
decorating. Remember, for the darker winter months, it's more
important than ever to let as much light in as possible. If
you haven't already done so, remount your window treatments so
that when open, they clear the window. Even a couple of inches
of blocked window light can make a huge difference in the
feeling of a room. And it's free!
4. Outside your home, it's time to do a yard cleanup and check
your curb appeal. Easy and cheap things to up your autumn
season curb appeal? Paint your front door a warm rich color.
Deep cranberry, rich chocolate brown, or deep navy all go well
with most color schemes, and bring the eye to the entrance of
the home for a quart of paint. Add a simple flower planter
next to your front door with fall annuals such as mums (for
sun) or pansies (for more shady spots). Clean up any weeds or
trash, cut the lawn, and trim back overgrown bushes, hedges,
or trees. One final outdoor pick me up? Add one window box
under your front window, and fill with fall mums. This is an
inexpensive project, but it adds more curb appeal than almost
anything else you can do. One weekend and your home catches
the eye of everyone who passes!
5. Finally, add some spirit of the season. Perhaps you know a
neighbor who has squash overflowing their kitchen? Offer to
take some off their hands and display it piled on the porch,
or stacked in a wheelbarrow. Tuck a small pot of mums into the
stack for a special fall touch. Pick up some candles from the
dollar shop or discount store and use them nightly for your
family and yourself. Pick up seed pods, pinecones, and acorns
on your family nature walks and start a nature jar to display
and keep as a memento of your year. Line a serving bowl with a
cloth napkin or fabric remnant, and fill with apples and pears
from the grocery. Set out small dishes with cinnamon sticks
and cloves to sweeten the air with the fall feeling.
__________________________
Kathy Wilson is an author, columnist, and editor of The Budget
Decorator, Decorating Your Small Space, and Decorating Cottage
Style. For hundreds of free home decorating ideas, visit her
now at http://www.TheBudgetDecorator.com. Don't forget to sign
up for her free newsletter while your there.
===========================================================
My Story: Wants versus Needs
contributed by Mary in WA
Sometimes the line is blurry
Much of the emphasis of this website is to differentiate
between "wants" and "needs." Sometimes, this is not very
clear. There are things everyone needs, such as food, water,
clothes, and a roof over our head. One does not necessarily
need a computer or a phone. However, my life would be more
complicated without them. And there are those things that add
enjoyment or aesthetic value but are not necessarily
practical. How do I decide whether to make that purchase or
let it go?
Years ago, just before Christmas, my husband lost his job. We
knew about this months in advance and had saved. (We were
frugal as it was.) We were visiting my sister's family that
Christmas and had purchased our discounted airp*** tickets
several months before. That Christmas morning, my sister
unwrapped a brand new bread machine. I had never heard of a
bread machine, but I was already "in love." For the duration
of our vacation, we had wonderful bread. I decided that when I
got home, I would scout around for a "cheap" bread machine. To
my profuse disappointment, the cheapest I could find was $250.
I tried to reason that no one I knew, other than my sister,
had one, and it was a very impractical expenditure under the
circumstances. Never the less, I knew I would use it. I
decided that when it was feasible and when I found a cheaper
price, I would buy one.
A month later, I found one for $100 cheaper. With my husband's
approval, I bought it for my birthday. I still had a little
trouble with the logic of that expenditure under the
circumstances, but I knew it would bring joy to the whole
family. (I still remember all of us looking through the little
window with a flashlight at the rising bread the first time I
used it.) For a pocket full of change and a little bit of
time, we could have a lot of comfort food. I used that machine
three to four times a week for ten years until it died a
natural death. (I figured that I saved anywhere from $500-
$1000 on baked goods over those years.) I now have a bread
machine that cost less than a third of what I paid for that
first one, but my kids are grown and I don't use it quite as
much.
What is the moral of my story? Money in and of itself isn't
worth anything. If the object of your desire is worth more
than the cost and you don't have to go into debt to purchase
it, follow your heart. On the other hand, money in the bank
helps me sleep at night. I know it will be there when I need
it.
____________________
"My Story" is a regular feature of The Dollar Stretcher. If
you have a story that could help save time or money, please
send it by mailto:MyStory@stretcher.com
Take the Next Step:
- Figure out how long it will take to pay off your credit
card debt with this Credit Card Calculator
===========================================================
Our Sponsor
* * AMERIPLAN * *
Providing quality, affordable health benefits discounts
since 1992 and serving over 1.5 million members nationwide
(n/a in Alaska).
Our health program offers discounted fees on Dental, Vision,
Prescription and Chiropractic care for families or
individuals.
For complete details, please visit
www.everyonebenefits.com/40411867.
===========================================================
Tips, Quips, Quotes and Questions
*********
Can You Help This Reader?
*********
Without Income
My husband, son, and I are moving in a month. We will be
without an income for the entire winter. We own this house.
Once we move, this house will be put up for sale, but until it
is sold, we will need to keep the utilities on here. The house
and store we bought both need quite a bit of work, which we
will do ourselves. We never eat out, we all have all the
clothes we need to last until next winter, and we shop
frugally at the grocery store. What are some ways we can
further cut down? We will have roughly $20,000 to last us
until this house is sold or our business is ready to be opened
this coming summer. This has to cover moving expenses (we are
only taking what can fit into one moving van), living
expenses, utilities for two places, car insurance, monthly
loan payment of $500, child support of $105 per month, and
repairs on the house and business. Any ideas will be
appreciated.
L.
Please send your answers mailto:CanYouHelp@stretcher.com with
"Without Income" as the subject. We'll include the best
solutions in future issues.
*********
Yes, We Can Help This Reader
Continually Broken Appliance
*********
Consumer rights vary from state to state, but many have a
"lemon" law. Check with your State Department of Consumer
Protection to see what laws your state has and how to get
help. They will investigate and help you solve the problem,
but be aware that they can be very slow. You may have to
"remind" them several times about follow-up. I did this when a
plumber charged me for a repair I didn't need and didn't fix
the real problem. It took a long time to get my money, but I
did get it in the end.
Barbara in Wallingford, CT
editor's note: more suggestions on what to do when you have a
'lemon' appliance at
*********
Allowance Prevents Fights
I've been living with a big spender for over a year now. We
manage our finances well, but he doesn't know when to say "no"
to a purchase. So we created an allowance system for the two
of us.
We give ourselves a (very) limited amount of cash each week
that we can spend on ourselves without worry. It also ensures
that our personal leisure spending is completely equal. There
are no fights about who spent more on what. He has learned to
wait and think out his purchases. He plans them down right to
the week that he'll be able to afford that new DVD he wants.
There have been no more fights between us about spending
habits. We talk every little purchase out, even our separate
allowance ones so we know where the other is at. And with
this, we've been able to pay off our debts in full.
Monica
*********
Cool Coffee
I heard a great tip for the leftover coffee in the pot. Pour
it into an ice cube tray, freeze them, and use them later in
frozen coffee drinks.
Jeanette
*********
Unusual Cleaning Tip
I have a son-in-law that is a roofer. Many times, I've had tar
in my dryer! He told me to run the tar with mayonnaise and it
actually removes the tar.
Lori
*********
Become a Dollar Stretcher "tipster" by sending your time and
money saving tips by mailto:Tips@stretcher.com If we use your
tip in any of our publications, we'll send you the next three
issues of our print newsletter as a "thank you."
Receive Dollar Stretcher Tips twice each week. More great
ideas for saving money! Just send
mailto:sub-ds-tips@hub.thedollarstretcher.com
===========================================================
On www.Stretcher.com This Week
editor's note: Hotmail and WebTV users may have trouble with
some addresses. Please access them from our front page
Your Money
----------
My Story: Wants versus Needs
contributed by Mary in WA
Sometimes the line is blurry
Story Here - http://www.stretcher.com/stories/06/06oct23e.cfm
Home Equity is not Your Savings Account
It's not as accessible as you may need and, worse, it could
disappear almost overnight
Story Here - http://www.stretcher.com/brm/06/06oct17a.htm
Readers Sound Off on Credit Report Blunders
Most credit reports contain mistakes, and readers say it's
tough to get them fixed
Story Here - http://www.stretcher.com/brm/06/06oct17b.htm
Bankruptcy Law Still Controversial 1 Year Later
A year after the law's passage caused a tidal wave of filings,
bankruptcy cases are on their way back up, but under harsher
conditions that hearten lenders and make lawyers cringe
Story Here - http://www.stretcher.com/brm/06/06oct17d.htm
Fame & Fortune
More than 80 movies and countless TV roles have made actor
Stephen Tobolowsky a "household face" if not a household name.
He built his fame, his career and his investments by "working
like an ant"
Story Here - http://www.stretcher.com/brm/06/06oct17e.htm
Protecting Your Portfolio from Inflation
Inflation is just about always eating at your savings, so take
precautions
Story Here - http://www.stretcher.com/brm/06/06oct16a.htm
Mortgage Rate, Savings Rate Linked
When you make extra principal payments on your mortgage you
are, in effect, getting the same "interest" on those amounts
that you're paying on your mortgage
Story Here - http://www.stretcher.com/brm/06/06oct16b.htm
Special Credit Cards for Special Consumers
A guide to finding which cards are best for students, first-
time applicants and those with bruised or downright bad credit
Story Here - http://www.stretcher.com/brm/06/06oct16c.htm
Top 5 Strategies for a Lifetime of Savings
If you want to be serious about building up your savings you
should start with a solid foundation
Story Here - http://www.stretcher.com/brm/06/06oct13a.htm
Senior CSI
Detecting if seniors need help
Story Here - http://www.stretcher.com/brm/06/06oct13b.htm
12 Clues that a Senior Needs Financial Help
The checking account register, bank statements and credit card
bills may contain warning signs that a senior's financial
skills are slipping
Story Here - http://www.stretcher.com/brm/06/06oct13c.htm
Plan Ahead to Duck that Debt
Climbing out of debt is no fun. Far better is to plan ahead by
anticipating life's inevitable events and the financial
strains they could bring
Story Here - http://www.stretcher.com/brm/06/06oct13d.htm
9 Best Reasons to Save Money
A commitment to savings is not just about money -- it's about
what the money can do for you, your family and others. Here
are 9 favorites
Story Here - http://www.stretcher.com/brm/06/06oct13g.htm
6-Step Financial Emergency Plan
Have to leave your home in a hurry? Create a personal finance
disaster kit
Story Here - http://www.stretcher.com/brm/06/06oct12a.htm
Bringing Certificate of Deposit Maturity Dates Together
You can do it, but you probably shouldn't
Story Here - http://www.stretcher.com/brm/06/06oct16d.htm
Deciding on Investment, Mortgage, College
In most cases, retirement is the first target, but you've got
that covered
Story Here - http://www.stretcher.com/brm/06/06oct16e.htm
Reviewing Mom's Financial Adviser
If the account is draining too rapidly, a reverse mortgage may
be warranted, Don, but so may a change in advisers
Story Here - http://www.stretcher.com/brm/06/06oct17f.htm
Fighting Back Against ID Theft
Start by trying to activate a credit freeze on your account
Story Here - http://www.stretcher.com/brm/06/06oct12c.htm
Your Family
-----------
The Must-Have Halloween Costumes
Discover what's hot in Halloween dress-up this year for adults
and kids alike, with tips for finding the best buys
Story Here - http://www.stretcher.com/brm/06/06oct17c.htm
Your Home
---------
Lemon Laws & Appliances
What can you do when your appliance is a lemon?
Story Here - http://www.stretcher.com/stories/06/06oct23a.cfm
Energy Efficiency How-To
courtesy of Lennox Industries
Simple advice for lowering heating bills
Story Here - http://www.stretcher.com/stories/06/06oct23c.cfm
5 Frugal Fall Fix Ups for Your Home Decorating
by Kathy Wilson
Easy, inexpensive, and fun ideas to bring the season into your
home!
Story Here - http://www.stretcher.com/stories/06/06oct23d.cfm
How to Air-Dry Flowers
by Monica Resinger
Make your own dried flower decorations for your home or to
give as gifts
Story Here - http://www.stretcher.com/stories/06/06oct23g.cfm
Your Career or Small Business
-----------------------------
Is Your Company the Real McCoy?
by Michael Angier
Or are you trying to be something you're not?
Story Here - http://www.stretcher.com/stories/06/06oct23h.cfm
Real Estate Agents
Despite the downturn in the market, flexible hours,
commission-based income and the opportunity to be your own
boss are still attractive to many
Story Here - http://www.stretcher.com/brm/06/06oct13e.htm
What It Takes to be a Real Estate Agent
Here's an overview of what you need to do and what it will
cost you if you want to sell residential real estate
Story Here - http://www.stretcher.com/brm/06/06oct13f.htm
Your Food
---------
When Grocery Coupons Won't Work
by Gary Foreman
Keep your food bills to a minimum without sacrificing your
diet
Story Here - http://www.stretcher.com/stories/06/06oct23b.cfm
Weighing in on Trans Fats
Restaurants are rather reticent about the trans-fat content of
their foods. So do your health and pocketbooks a big favor and
eat at home!
Story Here - http://www.stretcher.com/brm/06/06oct12b.htm
Your Auto
---------
Hybrid Tax Break Halved
Buyers of the popular, fuel-efficient Toyotas may have noticed
that the tax credit for that maker's hybrid cars has been cut
in half, but it's better than nothing
Story Here - http://www.stretcher.com/brm/06/06oct11a.htm
Your Taxes
----------
Partnership Can Write Off Living Expenses
If your partners are willing to house and feed you while you
are on temporary assignment, so is Uncle Sam
Story Here - http://www.stretcher.com/brm/06/06oct17g.htm
Limits on Writing Off Debt on 2 Homes
You can deduct the mortgage interest on up to $1.1 million in
debt on a first and second home
Story Here - http://www.stretcher.com/brm/06/06oct17h.htm
LLC vs. S Corporation
If it is not real estate, use an S corporation as the
structure for your business
Story Here - http://www.stretcher.com/brm/06/06oct13j.htm
Tax Write Offs for 19-Year-Old Son
Investing in real estate or retirement are some ways that your
high-earner son can catch some tax breaks
Story Here - http://www.stretcher.com/brm/06/06oct12d.htm
Hybrid Tax Break Halved
Buyers of the popular, fuel-efficient Toyotas may have noticed
that the tax credit for that maker's hybrid cars has been cut
in half, but it's better than nothing
Story Here - http://www.stretcher.com/brm/06/06oct11a.htm
Everything Else
---------------
Your Money or Your Life: How You Can Have Both
by Viola Horne
You can't afford to get sick!
Story Here - http://www.stretcher.com/stories/06/06oct23f.cfm
Picking Between Term and Whole Life Insurance
Make sure you're getting the right amount, not as much as you
can
Story Here - http://www.stretcher.com/brm/06/06oct13h.htm
Readers' Tips
Story Here - http://www.stretcher.com/stories/06/06oct23t.cfm
===========================================================
Decision-Making Tools
For Your Home
-
Rent or Buy Your Next Home?
-
Mortgage Calculator
-
15-Year or 30-Year Mortgage?
-
Fixed or Adjustable Rate Mortgage?
-
Mortgage Points Adviser
For Your Car
-
How much car can you afford?
-
Buy or lease your next car?
-
Your next car: New or used?
-
Auto Loan Calculator
-
Is a hybrid car right for you?
===========================================================
Publication Information: Copyright "The Dollar Stretcher,
Inc." 2006. ISSN 1527-2974. All Rights reserved. Copies may be
distributed without alteration electronically free of charge.
This newsletter may be reproduced, without alteration, for
non-commercial purposes without prior permission. "The Dollar
Stretcher" is distributed via email each week between Sunday
noon and Tuesday 8PM United States Eastern Time. The
newsletter runs approximately 34k in length. All articles are
printed with the author's prior consent. It is assumed that
any questions, tips, or replies to questions may be reprinted.
The name and email address of the sender will not be used
unless specifically requested or approved. All letters become
the property of "The Dollar Stretcher, Inc".
Subscription Information: "The Dollar Stretcher" is a free
weekly newsletter.
To Subscribe
send mailto:sub-dollar-stretcher@hub.thedollarstretcher.com or
visit http://www.stretcher.com/menu/subscrib.cfm
If you'd like the newsletter sent as a .txt file attachment to
an email send
mailto:sub-dollar-stretcher-attach@hub.thedollarstretcher.com
To ***
send mailto:leave-dollar-stretcher-4-2263148P@hub.thedollarstretcher.com
If you have a problem subscribing or unsubscribing send
mailto:admin@stretcher.com and a real live human being will
try to solve the problem.
To Change Your Address
send mailto:admin@stretcher.com?subject=AddChg
Please include which ezine you get and indicate your old and
new email address.
Sponsorship Information is available by
mailto:marketing@stretcher.com
The Dollar Stretcher reaches over 150,000 readers every week.
copyright 2006 The Dollar Stretcher, Inc.
All rights reserved.
The Dollar Stretcher
6695 Cortez Rd W.
Bradenton FL 34210
gary@stretcher.com
http://www.stretcher.com
phone: 941-761-7805
fax 941-761-8301
mailto:leave-dollar-stretcher-4-2263148P@hub.thedollarstretcher.com
---
You are currently subscribed to dollar-stretcher-4 as: ralrusu@gmail.com
To *** send any message to the following address:
