Showing posts from 2013

Exercise just as good as drugs in war on major disease

The Frugal Prosumer understands that health "assurance", not commercial health insurance (which is not health insurance but sickness insurance), the most important thing. And exercise for many would be the most important health "assurance" tool. "Exercise could be as effective as some of the best drugs which protect against major diseases, research has found. A study of more than 300 trials has found that physical activity was better than medication in helping patients recovering from strokes - and just as good as drugs in protecting against diabetes and in stopping heart disease worsening. The research, published in the British Medical Journal, analysed data about studies on 340,000 patients diagnosed with one of four diseases: heart disease, chronic heart failure, stroke or diabetes. Researchers said the findings suggested that regular exercise could be "quite potent" in improving survival chances, but said that until more studies are done, p

How to make an inexpensive diffuser

This video is about how to make an inexpensive diffuser. What you will need: glass salt (or pepper) shaker that is of course clean 9 oz of canola oil, 9 drops cassia bark essential oil 5 drops sweet orange essential oil 5 drops of geranium essential oil 3 bamboo skewers that are about 12 inches (cut the pointy end off and cut the skewer in half).   Measure your oil, put it in shaker, put drops of essential oil in the oil, stir it up a bit and put the skewers in. Let sit a few hours, then flip them over and put back in the oil. Adjust the essential oils as you see fit. And from here on out when you think of it, flip the skewers. Of course you can use fragrance oils too. The ones you buy use that a lot.  Have fun experimenting with different combinations of essential oils. Oh and of course embellish your little containers if you want. Toodles

iOS productivity showdown: Apple iWork vs. Microsoft Office 365 vs. Google Docs

One of the first concerns facing businesses -- and many consumers -- when choosing a new mobile platform is how it will enable them to get work done. To answer the question, AppleInsider went hands-on to compare the top three iOS contenders: Apple's iWork, Microsoft's Office 365, and Google Docs. Read the article  via AppleInsider - Frontpage News Pages

Lots of good videos on Growing Your Greens in Urban setting

Here is a good source of videos on growing your own food in an urban setting. He has over 15 million views.  Learn Organic Gardening at GrowingYourGreens - YouTube "Growing Your Greens is the most watched gardening show on youtube. It's a fun and enlightening show on how to grow food at your home and beyond. John provides you with tips and tricks as well as shares his experiences growing food at his urban homestead. John is dedicated to helping you sustainably grow your own food in your front yard and beyond."

When to Turn Off Your Lights to save money!

I hear all kinds of wrong ideas about what is the best money saving tactic for turning lights off. Here is the skinny from the   US Department of Energy The cost effectiveness of when to turn off lights depends on the type of lights and the price of electricity. The type of lights and the price of electricity determine whether it's best to turn lights off when you leave a room. The cost effectiveness of when to turn off lights depends on the type of bulb and the cost of electricity. The type of lightbulb you use is important for several reasons. All lightbulbs have a nominal or rated operating life, which is affected by how many times they are turned on and off. The more often they are switched on and off, the lower their operating life. INCANDESCENT LIGHTING Incandescent lights should be turned off whenever they are not needed, because they are the least efficient type of lighting. 90% of the energy they use is given off as heat, and only about 10% results in light. Turni

How to Help Your Child Start a Small Business

Do you own a company that you hope your child will run someday? Or do you want to see your kids become successful entrepreneurs like you? Pique their interest by helping them start a business of their own while they’re still in school. I believe starting a business is one of the best educational experience you can give your kid. Here’s how. 1. Keep things simple. Businesses like these work well for children: Lemonade stand Sales of baked goods Babysitting or dog walking Cleaning or lawn mowing Purchasing and reselling used merchandise Gift wrapping Almost anything else that interests your child 2. Show kids how to plan.   3. Fund it! 4. Follow the rules.   Check with your state and municipality for laws regarding your child’s potential business. 5. Help market the business.  Show them how to build relationships by introducing them to people you know. 6. Try not to interfere too much. Read the complete article at  How to Help Your Child Start a Small Busi


Five Action Steps to Cut heating costs Turn down your thermostat to 68 degrees. For every degree you lower your heat in the 60-degree to 70-degree range, you'll save up to 5 percent on heating costs. Wear warm clothing like a sweater and set your thermostat to 68 degrees or lower during the day and evening, health permitting. Set the thermostat back to 55 degrees or off at night or when leaving home for an extended time, saving 5-20 percent of your heating costs (heat pumps should only be set back 2 degrees to prevent unneeded use of backup strip heating). Replace or clean furnace filters once a month . Dirty filters restrict airflow and increase energy use. Now is also the time for a furnace "tune-up." Keeping your furnace clean, lubricated and properly adjusted will reduce energy use, saving up to 5 percent of heating costs. Reduce hot water temperature. Set your water heater to the "normal" setting or 120-degrees Fahrenheit, unless the owner's

More saving advice on using fridges and freezers

Refrigerators and freezers consume about a sixth of all electricity in a typical American home - using more electricity than any other single household appliance. Always keep in mind that appliances have two price tags. One tag is the purchase price on the equipment when you pick it out at the store. The other price is the operating cost paid out month after month, year after year, in the form of your electricity bill. Take a look at the new refrigerator you're thinking about buying. Consider how much it will cost each month to run it. Twenty years from now it should still be keeping food cold. But at the end of those 20 years, you may find that you spent much more money operating the refrigerator than you did buying it in the first place! That's why it's important to consider the operating costs as well as the purchase price when you make your buying decisions. And remember that purchasing an energy efficient unit really pays off in your utility bills. Refrigerator

Should you get rid of that old freezer/fridge?

Go to ENERGY STAR  government site (or ) to find out how much your refrigerator or freezer costs to operate and see if it would be cheaper to replace it with a new or newer old model. Here are some calculations I ran in trying to figure out how much a used 16.5 cubic feet fridge would cost me to run per year. If it was manufactured: Before 1980                   $300/year Between 1980 to 1989   $249 Between 1990 to 1992   $176 Between 1993 to 2000   $122 Between 2001 to 2008   $92 So you can see I can afford to pay $200 instead of accepting a free one made before 1980, as I well save more then that in electricity in just one year. If I kept using that "free" fridge for 6 years it would be costing cost me a $1,000 more then the buy a $200 newer used fridge. But I'm going to do even better then that because I'm going to use a used chest freezer made after 2001 as a fridge. As a freezer it's rated at $60/ year and by mod

Calculate how Obamacare will affect you

Here is a calculator and site to help answer some of your questions about the new health insurance. You can run different scenarios with different income amounts to see how it will affect different people. i.e I ran a scenario for a husband and wife age 60, living in Wisconsin, with no kids and it shows their insurance would be %100 subsidized if they earn less than $30,000

6 ways to live a little healthier on a budget

Here are some tips from Clark Howard on getting healthier food without breaking the bank. We extensively do all of them except for using coupons. Our priority is getting farm fresh and then organic if possible. We also work on creating a network of people who we can gift, trade, and barter with. These days, it’s getting easier and easier to adopt a healthy lifestyle. It used to be extremely difficult to find organic foods: the products and brands were limited and we were also limited to only shopping in season. With access more readily available, is it possible that this also makes it easier to save money while living healthier? 1. Shop the sales cycles and use coupons. 2. Look to shopping online to save on groceries and body care items. 3. Shop at the farmer’s markets and find local farmers in your area. 4. Buy in bulk. 5. Grow your own.  6. Make your own. Read the complete article here:  6 ways to live a little healthier on a budget | :

5 Social Security tips for couples

When deciding how you and your spouse should approach Social Security retirement benefits, there are a lot of approaches to consider. Unfortunately, many of them can result in you getting significantly less than what's available to you. "It's like a game of chess," says Mari Adam, a certified financial planner based in Boca Raton, Fla. Each decision you make as a couple can impact the monthly Social Security benefits you receive for the rest of your lives. Consequently, even small missteps can shave thousands from the cumulative benefits you receive as a couple. To prevent you and your partner from getting short-changed, consider these five tips for helping married couples maximize their Social Security benefits. 1. Understand the impact of timing-  deciding when to start your benefits is critical 2. Wait at least until full retirement age to claim benefits-  Simply waiting until full retirement age to claim benefits can have a significant impact 3. Delay Soc

Shopify Launches Point-Of-Sale System To Unify Online And Brick-And-Mortar Retail

Ottawa-based Shopify, the online storefront provider that helps around 65,000 retailers reach their customers on the web, including Tesla, Crossfit and others, today announced a new retail point-of-sale solution that uses iPads for its terminals. The POS solution will enable existing Shopify users to unify their online shops with their physical locations, sharing information on inventory, sales and more seamlessly between both. via TechCrunch » iPad

6 Tips for Protecting and Defending Your Online Content

"Posting valuable information on your company’s website or blog is a lot like leaving store merchandise out on the sidewalk. It might be good for attracting interest, but the free public access makes your inventory — or, in this case, your intellectual property — highly vulnerable to theft. So, it’s important to regularly search the web for unauthorized use of your content and, if and when you find instances of plagiarism, take steps to either have the material removed or receive credit where it’s due." Here are six tips for protecting and defending your online content. 1. Set up Google Alerts   2. Use plagiarism and image checkers.   Copyscape . 3. Request they give you credit for the information. 4. File a formal complaint.   DMCA complaint . 5. Sign up for Google Search Authorship. 6. Provide warnings and auto-links. Read the complete article here .

In the Digital Age, How to Get Students Excited About Going Outdoors

"Louv in his book  Last Child in the Woods   has since become famous for coining the term Nature-Deficit Disorder — not as a medical diagnosis, but as shorthand for what’s happening to kids who stay, for the most part, inside, away from nature, for the majority of their young lives. He uses strong research to support his claims that rising rates of obesity, depression and anxiety, and ADHD symptoms could well be linked to kids’ disconnection from trees, fields and streams.   Louv points to several factors contributing to children’s increased time away from nature, including increased parental anxiety of both dangerous situations and strangers, schools’ focus on testing, and the increased use of technology at younger and younger ages. While maintaining he’s not against the use of technology in education, Louv also believes that schools and science curriculum could step in and help incorporate more nature into children’s lives to improve both health and achievement. 'There’s

Protecting the Earth Through The 7 Pillars of The Frugal Prosumer

Protecting the Earth Through The 7 Pillars of The Frugal Prosumer 1. Spiritual Love- Relationships Understand the trinity of  Relationships (Man, God, Nature) Spiritual duty is steward of earth and one of best ways is being a Prosumer. More world at peace less damage to earth. 2. Psychological Personality types- Please Understand me Know how get along and work together best on being earth stewards. 3. Education iPad Any knowledge we want to understand the best ways to be earth steward and prosumer. 4. Health Herbs-Plantain Understand how earth takes care of us. 5. Finances UnIncome- Prosumer Business- Consumer Business Spending less and Living Rich on Less is one of the best way to be a earth steward. 6. Daily Living/Prosumer Edible wild plants- Sprout Farming- Rice The better Prosumers we are the better conservators of earth resources we are. 7. Security  Tarp/housing, Hobo stove/cooking, Rain/water, Light- Solar/LED Prosumerism is

Boundless brings text book alternatives

Boundless brings text book alternatives and study materials right to your iPhone | iMore : Boundless is a a new service that offers alternatives to pricey textbooks along with study materials. Start by choosing your subjects or searching for your required textbooks. Boundless then offers alternatives that you can buy as an in-app purchase. The iPhone app then lets you take your material with you everywhere. Buying a book from Boundless will cost you $19 for each one. More articles about Boundless:  

Self Publishing and Why You Don't Need an ISBN

Self publishing is very possible and an excellent Frugal Prosumer project. I have self published three books, co-authored another, and helped over 1/2 doz people publish their own book. I, like many others, thought I had to have an ISBN number from Bowker, which you have to purchase. I paid $250 for ten numbers. Read this very good article about  Why You Don't Need an ISBN, and What you Should Buy Instead at Will Entrekin dot com In summary it says: Long and short: as an independent author publishing digitally, you’ll do better ignoring any of Bowker’s offerings–including its “self-publishing services” and investing instead in founding your own small press as an LLC and legal entity. First : if you want your print book on shelves in either bookstores or libraries, you’ll need an ISBN. For this reason, corporate publishers–big publishers–definitely need an ISBN. Publishers who print books and ship them using the returns system need ISBNs. It’s how stock and sales are tracke

Watcha gettin?

Burdock plant without the burs I was out looking for some Plantain (which this isn't) one time and a fellow came along. I could tell he was on the shy side but he managed to verbalize his thoughts. "Whatcha gettin? " he said as he slowly walked by with his aged dog. "Plantain" I said. That seemed to satisfy him. Or he was totally rejoicing in his extrovertedness in an introverted kinda way. At any rate, whatcha gettin fits what I will be posting about as I get this and that from our property as well as "other places". You all remember burdock and it's cling on factor. Well those burs aren't quite ready yet but I had a plant where I didn't want it so I dug it up and harvested the root. Burdock root can be used to treat gout, rheumatism, ulcers, acne, eczema, and psoriasis. The last two problems were what I was interested in. So I cleaned and cut up the root and put a few pieces in some water to boil for about half an hour. It turned the

New Free open source web based main mapping software

App of the Week : Mindmup | Time Management Ninja I'm a big advocate of mind mapping as a Frugal Prosumer Tool. Here is a free one. Mindmup is clean and simple. As they describe, it allows for frictionless capture of ideas and projects. It is not bloated with unneeded features. The UI stays out of your way and lets you get your ideas out. Mindmup saves to the cloud and provides Google Drive integration. You can share your maps with others, and even embed them in your website. If you are looking for a free and quick way to create a mind map, try out  Mindmup.

Prepaid Cell Phones - No Contract Cell Phones | Republic Wireless

A  Prepaid Cell Phones - No Contract Cell Phones from Republic Wireless  that you might want to consider. Here is one review of it.

Ethanol fuel is deadly for small engines

I have come across more and more people who have had their chain saws, motorcycles, and other small engines ruined from using gas with ethanal in it. Now they are raise the percentage. As a Frugal Prosumer I use the more expensive gas without ethanol in it for all my small engines. I recommend you do the same. Read the following article for more informations about this. Fishermen beware: ethanol fuel is deadly for outboard motors | All Outdoor

Study: 70 Percent Of Americans On Prescription Drugs

Study: 70 Percent Of Americans On Prescription Drugs Isn't it amazing that the majority of Americans take legal drugs. One of the goals of being a Frugal Prosumer is living a lifestyle that minimizes the expense of the use of antibiotics, antidepressants and painkiller opioids. "Mayo Clinic researchers report that antibiotics, antidepressants and painkiller opioids are the most common prescriptions given to Americans. Twenty percent of U.S. patients were also found to be on five or more prescription medications." "Often when people talk about health conditions they’re talking about chronic conditions such as heart disease or diabetes,” Dr. St. Sauver stated in a Mayo Clinic press release. However, the second most common prescription was for antidepressants — that suggests mental health is a huge issue and is something we should focus on. And the third most common drugs were opioids, which is a bit concerning considering their addicting nature." 

Wild Supper

Especially during the spring we eat wild edibles every day as a normal part of our meals. This meal is a not uncommon fare at our house. I haven't figured out yet if the "weeds" we deliberately let grow in our garden should be called wild or domestic. On the table is Lake Michigan salmon baked with wild leeks on top. The wine jug holds apple wine from last falls pressing of around a 1,000 pounds of wild apples. The greens are stir fried nettles, garlic mustard, dandelions. The salad is greens from our garden, violet leaves, etc.

Free non-credit courses from major universities available

Free non-credit courses from major universities available at

Cost of long-term elder care

If we haven't yet, most of us are going to have to deal with long-term elder care. Either someone in our family or ourselves. We have helped a number of people figure out Frugal Prosumer ways to do this. Here is a good article by Clark Howard on what it can cost.  Getting old is unaffordable | "Around two-thirds of Americans over age 65 will need long-term care, either through at-home health care services in the home or an assisted living facility or nursing home. Yet more than 90 percent of those surveyed in the Genworth Financial "2013 Annual Cost of Care" report haven't talked about critical long-term care issues with their spouse, partner or adult children." Remember a very high percent of long-term care is done by family members (especially moms). A little planning ahead in house design and how it will be handled can save lots of money and stress and even ones marriage. "Nursing facility care has increased more than $16,0

Coping with Financial Emergencies

Good article on  Coping with Financial Emergencies : "A great deal of financial advice is focused on keeping you out of trouble, but sometimes trouble happens. When it does, your attention should turn to handling that trouble as smoothly as possible." Six tips for coping with, and recovering from, a financial emergency: read the complete article. Preparation is the key. Be wary of sacrificing long-term assets for short-term needs Conduct immediate budget triage Don't burn bridges Prioritize your debt reduction Rebuild savings 

Easy ways to save on international travel

Article on  Easy ways to save on international travel  at Clark Howard's site.  Read this article  Easy ways to save on international travel  at Clark Howard's site for some money saving travel tips. Book at least three months in advance. Be as flexible as possible. Think outside the box. Stay at all-inclusives sparingly. Book an apartment instead of a hotel. Pick your restaurants carefully. Purchase multi-destination passes. "Go to the official tourism site for the city you'll be visiting and search for attractions passes, usually they have museums and dining discounts, and sometimes they even offer discounts on transportation."

Bridal Brokerage Beautiful Weddings for Less!

Bridal Brokerage Beautiful Weddings for Less! Over 250,000 weddings are called off every year. Bridal Brokerage finds new couples to take over canceled wedding contracts, saving money for buyers, sellers, and wedding vendors alike. As thousands have registered to purchase beautiful weddings at a fraction of the price, we’ve found another way to make weddings even more affordable. Wedding vendors are looking to fill their availability over the next 6 months. Gasp! Their wedding site says in 2012 the average wedding cost over $28,000. That’s almost as expensive as a year of college! The Frugal Prosumer knows how to put on a $28,000 wedding for well under that cost.

Frugal fatigue grips America and using iPhone to save money

Frugal fatigue grips America from    "The adoption rate of smartphones has changed how businesses do business with you and me. When I go into a store, I'm on my smartphone looking for an in-store discount or looking for a price match at other retailers so I can get it at that store. When I do this, I do a double search at both and and it saves me money about a third of the time. If you don't do that yet on your smartphone, you really ought to think about it." "A lot of Americans are tired of reducing spending after the last 6 years." Be sure to read Clark Howards blog or listen to his radio show. He is the ultimate Frugal Prosumer

According to the Affordable Care Act Who is required to have health insurance on Jan 1 2014

According to the Affordable Care Act everyone American except for the following are required to have health insurance on Jan 1 2014: Those who: Earn less than the income amount required to file taxes ($9,350 for an individual)  Belong to a religious group that opposes acceptance of benefits provided by a health insurance policy  Belong to a health sharing ministry or American Indian tribe  Are undocumented  Are incarcerated  Could not find "affordable" coverage that cost less than 9.5% of their income If you don't get it you will be subject to a penalties. The 2014 penalties for not having health insurance are as follows:  $95 per adult and $47.50 per child (up to $285 per family), or 1% of the annual family income, whichever is greater.  The penalty is expected to go up every year until 2016. There will be financial help available to individuals who can't afford insurance? Government subsidies will be available for low and moderate income families. Use thi

"Shelter in Place" the new term that you need to know about!

Read about  “Shelter in Place” Is there a better way? Yes.   From one of my favorite bloggers Resilient communities  don’t shut down due to security/food/energy disruptions. They can self-generate much of that themselves. Often at levels of quality better than what is available from global sources." Shelter in place   has been used  for an emergency procedure for people affected by a chemical accident or terrorist attack. But now it is being used more by homeland security to lock people in their homes. This is good at times but can also be  ominous.  “Shelter in Place” is a phrase usurped by US Homeland Security from  the  American Red Cross   which means that everyone, except first responders and medical personnel, must stay at home until an all clear signal is given. To create a resilient community that can withstand the natural and manmade disruptions we need to: Find  ways to locally produce the food, energy, water, and

Boston bombings: How surviving a bomb blast feels and what you can doto help survivors.

Here is a very good article on what happens to you in a bomb blast and how you can help others. His blog is one that I follow. He survived the Balkan wars and has a lot of in field medical knowledge and has a lot to teach us.

How to Grow Fresh Air For Your Home

Read this article on  How to Grow Fresh Air For Your Home . "Here’s the list of some of the plants that do the best job at cleaning formaldehyde, the most common indoor air pollutant (which indicates they are good at cleaning the rest)." Boston Fern.  Mum. Gerbera Daisy. Rubber Plant. English Ivy.

SBA SizeUp Kick-Starts Market Research

Have your own business or thinking of starting one? Read this article about  SBA SizeUp Kick-Starts Market Research . If you are a small business owner, you need to know how your business stacks up with the competition in order to succeed. SizeUp will help you manage and grow your business by benchmarking it against competitors, mapping your customers, competitors and suppliers, and locating the best places to advertise. "The Small Business Administration has taken a big step toward leveling the playing field on which small businesses compete with large ones. It’s now providing a new online information service called SizeUp that gives small-business owners free access to data on some 14 million companies in virtually every industry and geographic region in the country."

Update on Wal-Mart's Bluebird Prepaid card- Now Checking Account

When the "Bluebird prepaid card issued jointly by  American Express  and Wal-Mart — came out in October of last year, I noted the obvious — that is was by far the best  prepaid card  ever offered to American consumers which, unlike any of its predecessors, was a real alternative to checking accounts. So my advice was that, “unless you still write paper checks to pay your bills, you should seriously consider replacing — or supplementing — your existing checking account with Bluebird'. Well, the checking account caveat no longer applies — last week American Express  announced  that Bluebird customers can now add checks to their prepaid accounts, into which they can deposit funds of up to $100,000 annually. Moreover, Bluebird accounts are now eligible for FDIC insurance. Oh, and whereas checking accounts are not an option for consumers whose names are on the  ChexSystems , Bluebird is available to everyone. So the upshot is that many unbanked consumers, who are prepaid cards’ mo

Groups Of Adults Turn To Cooperative Households To Save Money

Groups Of Adults Turn To Cooperative Households To Save Money "With the cost of living on the rise and showing no sign of slowing down, total strangers desperate to save money are moving in together. As CBS 2’s Dana Tyler reported, older adults and even families are using this method to pool their resources. And the new communities are redefining the modern family. Two million Americans over the age of 30 now live with a housemate or roommate, and shared households make up 18 percent of U.S. households – a 17 percent increase since 2007." We have found one of  the main reasons we have been able to live so well as Frugal Prosumers is because we have done cooperative living for most of our life. A few things we have found that make it work are: Already have relationships and know each other and share similar philosophies. Already have a history of community living and what makes it work. Set up so everyone has some personal and private space. We have also found


Smoothie making can be an art? Well, it turns out that way sometimes. John says I'm the artist and he's just an accidental artist. He says mine is almost always art ( a relative term here) and 1/2 the time his creations need a little rearranging or possibley repurposed back to  where it came from - the trash. Or his McGyver garage for the next round. Lest we digress too far I must tell you what is in this deliciously purple drink. I can't remember, well exactly. The base this time was coconut milk. It is usually yogurt. Then I went to the freezer and captured some frozen bananas and then some cubes of wild grape juice, not so wild pineapple juice, crab apple juice and just a few leftover frozen blueberries. And let's not forget the strawberries that started this whole thing on the way home from the grocery store as I caught a whiff of their strawberryness. Usually I like to have my smoothies a bit on the tangy side so I throw in some concentrated orange juice or ju

What you do online can and will be tracked

The Internet is a surveillance state  is a good article for those of you who are paranoid. Yes google may know more about your preferences than your wife. Having worked in the computer field for the last 25 years this is pretty much common knowledge to me and sadly unavoidable. If the director of the CIA can't stop the snooping on him, we don't have a chance. If you're like me, and do a bunch online, then you will become aware of how this is done and possibly prevent some of it . But because I'm online so much there is no way to completely stop them from tracking me. If you think by not having much to do with computers you are safe, think again. Because you're not familiar enough with computers to know what not to do, they've got you. Be careful, but being paranoid about it (you have good reason to be) is not going to change anything.

Rocket Stove Basics

I have been following the development of rocket stoves for over 20 years. Recently I have been doing more experimenting with them. I must say they are very impressive. A rocket stove is an efficient cooking stove using small diameter wood fuel which is burned at a high-temperature because of the insulated fire box and chimney. Cooking stove The rocket stove was originally developed for cooking, where a relatively small amount of continuous heat is applied to the bottom and sides of a cooking pot. Stoves can be constructed from brick, recycled steel cans, or steel sheet metal, or can be purchased. Although rocket stoves are found more commonly in third world countries where wood fuel sources are more scarce,  in recent years their use has increased in developed countries, such as the United States. Some are small for portability, with insulation inside a double-walled design and a chamber for partial biomass gasification and additional mixing to increase BTU production and to

150 Years ago today? Very interesting google map view

Are the Amish the ultimate Frugal Prosumers? Look at this patchwork map of carefully-managed small fields and farms. They are current family farms, worked with horses and mules. It is quite a sight. Click the link below if you would like to see a bird's-eye view of what America looked like 150+ years ago, when we were an Agrarian Nation. Go to Google Maps and type in "Amish Road, Gap, PA." Then back the view out so you see more countryside, and scroll around. Amish Road, Gap, PA - Google Maps

10 Creative Ways to Use a Tampon as a Survival Tool

Here is an interesting article on  10 Creative Ways to Use a Tampon as a Survival Tool . Being a Frugal Prosumer means learning to think differently and find multi-functional and alternative uses for a product. Here are alternative ways to use a sterile Tampon in survival situations. A good exercise in thinking outside the box.

Finding and claiming missing money is easy

Finding and claiming missing money is easy From one of my favorite "Frugal Prosumers" Clark Howard. Also if you ever had an FHA home loan, HUD may be sitting on refund money for you. Go to  and see if you're in their refund database.

4 Free Online Learning Sites for Small Businesses

4 Free Online Learning Sites for Small Businesses by  Mary Jacobs   on   September 28, 2012 What could you learn that would help you run your business more intelligently? Whatever it is, if you have a computer with an internet connection, chances are you can find a relevant course for free — or at least cheap — online. Most courses allow you to learn on your own schedule and at your own pace. Classes are taught in small, easy-to-digest bites, typically in lectures of 15 minutes or less. Most don’t give grades or credit, but with motivation and self-discipline, you can master new skills. Here are four top picks for small-business owners looking to expand their horizons, or give employees a boost: 1.  —  Started by two Stanford professors, this website offers free courses from world-class schools like Princeton and the University of Michigan. Lectures are formatted into series of short video clips. Some offer automated quizzes; a few give students the opt

The Affordable Care Act- Boom for Entrepreneurs!

The Obama administration's Affordable Care Act will for the first time make affordable healthcare available to everyone. For Frugal Prosumers as well as most people in America, the expense of healthcare is a big issue. The Affordable Care Act will affect most Americans in some way or other. There is a lot of hype about it and there are both good and bad aspects to it. The Frugal Prosumers goal is to find the good parts and use them to reduce their expenses. Owning ones own business is a very important tool to The Frugal Prosumer. One of the biggest things that has kept individuals from going into business themselves is not being able to afford healthcare. This is going to be a big game changer for entrepreneurs as everyone can now have health insurance. The vast majority of small businesses employ 10 people or less. For them, Obamacare is a welcomed change because many of these owners do not have insurance. Over 80% of uninsured small business owners will qualify for