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Retirement Millionaire
The Retirement Anarchist’s Guide to Freebies
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 The Retirement Anarchist’s Guide to Freebies
Dr. David Eifrig Jr., MD, MBA

If you’re still paying full price for the everyday items you buy or the things you do, you’re getting
ripped off.

That’s because you could be getting as much as 80% off on some items without making drastic
changes to your shopping habits. On many other items, you can get 25% off or more.

Let me explain what I’m talking about...

While first doing research for my Retirement Millionaire newsletter, I started uncovering amazing
secrets that could save you thousands of dollars. Whether you’re looking for ways to cut costs or you
want to try new things without paying much (if at all), I’ve got ideas for you right here in this report.

For many, clipping a coupon here or there is their extent of saving money. But not the kind of
deals I’m talking about. In this report, I want to share with your how to make phone calls for free,
save 40% on your restaurant bills, and go on a wine vacation for almost nothing.

Yes, some of the tips I’ll show you are for 100% discounts... There’s nothing quite as nice as free, is
there?

I’ve uncovered deep and cheap values to extend your money further than you can imagine. It’s
the Retirement Millionaire goal, actually. We want to find ways of living like the rich, but on less.

Also, these tips are entirely above board, no sneaking around or wheedling things you aren’t
entitled to. Every savings in here is something the company or service provider is happy to give
you... You just need to know what to ask for or where to go to get it.

But if you’ve been promised free things before, you know some promises don’t quite pan out. As
you already know, most sources of information for retirees just list things that people think might
work. Not here. I’ve actually tried and tested these deals before sharing them with you.

I spend hours each month looking for secrets and hot tips from my network of friends and
business partners around the world. When I uncover something, I’ll try it. When I think it makes
sense, I’ll tell you about it.

What I’m about to share with you today will pay for your subscription over and over. I guarantee
using these tips will save you hundreds – even thousands – of dollars this year.

Also, don’t worry... Nothing in this report will oblige you to anyone. You can try these
opportunities at your leisure. Stick with what works for you and drop anything you don’t like. I
know you’ll find something here you love.

Like you, I hate the rip-offs and timewasters for certain deals. Rest assured, I will avoid those. I

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can’t stand the endless nonsense that some deals require. We’re going to decide what deals to take,
and we’re not taking any garbage. This is a buyer’s market, and we’ve got the power.

The first secret I want to let you in on is how to trim hundreds, potentially thousands, of dollars
a year from your household budget... and at the same time get the opportunity to buy high-quality
luxury goods for as much as 80% off.

And I only found out about it when I discovered...

How to Get 50%-80% Off

While Doing Your Everyday Shopping
I recommend you join the major “warehouse” retailer Costco today. If you’re already a member,
you’re probably familiar with the discounts it offers on myriad household items. But Costco runs a
little-known program that lets shoppers buy high-end merchandise at up to 80% off. Costco calls its
secret program the “Treasure Hunt,” and it’s like nothing I’ve ever seen.

Costco regularly stocks about 4,000 items. Of that, 3,000 items are priced with Costco’s standard
14% markup (a lot smaller than most retailers). But Costco designates the other 1,000 items for its
Treasure Hunt. It offers them at eye-popping discounts and then “plants” them throughout the stores
like parents hiding Easter eggs for their kids. This is where you find great bargains of 50%-80% off.

These items aren’t advertised and can’t be found at every store. But if you know what you’re
looking at when you see it, you’ll find deals like...

Car insurance at 50% off

Calvin Klein Jeans at 55% off
Ralph Lauren sweaters at 70% off
Samsung TVs at 65% off
Pelligreno water at 50% off
Dried chicken strips for dogs at 90% off

The list goes on and on. The Treasure Hunt items vary from store to store and state to state. And
occasionally, truly fantastic items find their way into the stores. Some lucky shoppers have stumbled
across fine art, luxury watches, and diamonds and purchased them at ridiculous discounts.

Some consumers swear the shopping for high-end merchandise is the best in the world. And no
one pesters you while you shop. What a great feeling, too, knowing you’re not paying for the bricks
and mortar and salespeople of some name brand. These are classic Retirement Millionaire deals.

You might think these deals aren’t for you. (How many people shopping at Costco are in the
market for rare art?) But Costco uses all kinds of items for its Treasure Hunt and rotates the stock all
the time. That’s the fun of the Treasure Hunt. On the day I was there, I noticed a stack of Garmin
GPS navigation systems I’d been considering buying for my car were on sale for 30% lower than
anything I had seen.

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 The everyday prices and the Treasure Hunt are what keep people coming back over and over.
Customers can walk in intending to buy a couple bundles of diapers and walk out with a GPS,
Tommy Hilfiger shirt, or Fila warm-up jacket at a fraction of the cost elsewhere.

How Does It Provide the Deals?

Everything at Costco is 14% above cost. That’s why Consumer Reports rates the company No. 1 in
prices compared with other warehouses – Sam’s Club, BJ’s, and Wal-Mart Supercenters. And it’s the
main reason Fortune ranked Costco the No. 1 “Specialty Retailer” for the past three years.

To keep prices down, Costco is fanatic

about holding the line on its costs. Heck, How Do You Join?
CEO Craig Jelinek’s pay is only $650,000 a
year with $200,000 in bonus if he meets It’s easy and cheap. The membership costs only
company goals. $55 a year, and one trip of savings easily covers the
membership costs. The form to join is a simple two-
But the main value it creates comes page document. Once a member, the only thing you
from its bulk buying and selling. Costco need is the card and one other ID at the door for the
“turns” its inventory 11.9 times a year, guard... and cash or a debit card. I was surprised,
which means it has already sold all the but it makes good business sense, they don’t take
purchases by the time they have to pay credit cards (thus saving a couple percent right
their suppliers. Thus, they have no there, too). Also if you’re not satisfied, the fee is
financing costs for inventory, which equals completely refundable.
savings to you the customer.
By the way, they also have an “executive” mem-
So be prepared to buy 48 rolls of toilet bership for $110, which gives you a 2% rebate for
paper, 20 pounds of rib-eye steaks, 20 12 months. If you spend more than $5,000 a year,
pounds of cheese, or 10 quarts of berries. then this card is actually the better deal. After
But trust me, you won’t be disappointed in $5,000 (times your 2% rebate), the $100 fee has
the quality. The toilet paper – Kirkland been “paid for in savings,” and you’ll start getting
brand – is truly the best I’ve ever used. money back (up to a $500 limit). Either way, you
can’t go wrong.
I am particularly impressed with the
quality of its food. It has gorgeous whole-
wheat pastas, plump and dark berries and cherries. The colors are bright on the fresh foods, and the
obvious lack of chemicals in many of the packaged products is encouraging.

And Costco is the No. 1 wine retailer in the U.S. (by dollar amount).

For instance, when I visited the store with my friends in Calistoga, California, we spent $450 on
groceries. But I added things up and quickly realized a family of four could easily save 8%-10% a
month. If you currently spend $1,000 or more a month on “stuff” for your home, you’ll save nearly
$1,000 a year and that’s including your $50 fee to join.

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 Free Phone Calls
If there’s one thing that irritates me, it’s paying the phone company. I’ll admit it; I use my cell
phone a lot. And whether it’s texting or sharing pictures with friends and family, my cell phone is
always on. So when that $100 phone bill rolls around each month, I only have myself to blame.

The average cell-phone user spends more than $600 a year on wireless phone service. And that
estimate doesn’t include the many add-ons cell phone companies charge, which easily swell a cell-
phone bill into the hundreds monthly.

What if instead of handing over thousands of dollars a year to the phone company, you could
pump that money into a savings account or investment vehicle? Well, I discovered a way to never
pay a phone bill again. Here’s how it works...

If you live in North America, you can call any landline or cell phone in the U.S. or Canada for
FREE by using an online phone service called Skype ([Link]). You may have heard about
Skype if you have children. That’s where I heard about it.

Signing up is simple. There’s no prepayment, no minimum use, no subscription, no monthly fee,

no nothing. With Skype you can call other Skype users around the world for FREE. This is the only
100% FREE phone service I know of.

It’s easy to use, too...

First, you download the software that enables you to make these FREE phone calls. Here’s a link
to the website and download page: [Link]/go/download.

Once you install the software and create a free account, you’re all set to call.

If you have Skype and want to call a non-Skype user you can pay, like I do, $2.99 per month for
unlimited calling within the U.S. and Canada. This is certainly much less than the $50 a month the
phone company was charging me. And I can take my phone with me and use it wherever there’s Internet
service. If you’re willing to pay a little more, you can make unlimited calls to over 40 different countries.

I suggest you tell your closest friends and family members about Skype right away so you can
start saving and investing for your retirement dreams.

By the way, I love using Skype for overseas calls because Skype users all over the world can talk
to each other for free through their computers. If you’re in the U.S. or Canada and calling any other
country, OR if you’re in any other country and calling landline or mobile numbers in the U.S. or
Canada, the standard SkypeOut rates apply.

Skype even allows you to hold a conference call with up to nine other people.

Still, the best part for me is the video feature. I hate talking on the phone, but when I can see the
other person as I talk, I actually enjoy the call. All you need is a webcam on both computers and you
can talk AND see each other simultaneously. It’s as close as you can get to real life without being
together. And the video calls are also FREE…

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 If you’re looking to cut back your phone bill to zero, Skype is something I highly recommend.

My savings? After canceling my landline service and slashing my cell-phone minutes nearly in
half... $564.

More Great Phone Deals

For those of you who aren’t interested in calling people on your computer, I have a couple other
great money savers.

Vonage works much like Skype. For $24.99 a month, you get 400 minutes of outbound calling
across the U.S. and Canada and unlimited calling to other Vonage customers.

The best part is, you can use Vonage anywhere. All you need to do is travel with a small adapter
that you can use with any high-speed Internet connection. And your existing phone number might
be eligible to be transferred to Vonage.

With Vonage, you don’t even need to have your computer turned on to make phone calls. All
you need is to connect the Vonage adapter to your Internet and then your telephone to the adapter.
Then you can start calling. You can visit [Link] to sign up.

MagicJack is another great solution for cutting your phone bill and is similar to Vonage.

A Free Cup of Starbucks Coffee Everyday

There’s a way to get a free cup of coffee at Starbucks every day of the week. All you need is a
Starbucks card and to be a member of Starbucks’ rewards program. Starbucks offers a program
called “My Starbucks Rewards.” This rewards programs gives you a star every time you use your
Starbucks card.

With a Starbucks card, you get free refills of brewed or iced coffee or tea during the same visit.

Once you get to 30 stars, Starbucks will send you its Gold card. This card entitles you to special
coupons and a free drink for every 12 stars you earn.

All you have to do is purchase a Starbucks’ gift card and sign up for the rewards program. You
can learn more – and sign up – at [Link]/card/rewards.

Half-Off College Tuition

Are you bothered by the current or future expense of college? If you are, this next secret is a way
to cut the cost almost in half.

Dozens of colleges, like George Washington University in Washington, D.C., have the gall to
charge more than $47,000 year. That’s more than 80% of the average family’s annual income. George
Washington isn’t alone. According to The Chronicle of Higher Education, 151 colleges charge more
than $50,000 for tuition, fees, room and board.

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 The average cost at private colleges is now at around $40,000. Public colleges, of course, charge a
lot less, especially for state residents – $18,391 versus $31,701, according to College Board (includes
room and board).

But what about local community colleges? If we look at the numbers for the 2013-2014 school
year, the average cost for a full-year of tuition and fees at a community college is only $3,154,
compared with $8,893 at a public, four-year university and $28,500 at a private, four-year university.

So here’s the secret way to get college at 50% off. Start at your local community college and
transfer into the bigger college after two years. In other words, hold off attending the university for
two years while taking courses that transfer from your local community college instead. Save a ton of
money but graduate in the same amount of time.

For example, Maryland law requires the University of Maryland to accept junior college transfers with a
GPA of 2.5 and Cs in their major. Say you live in Baltimore. You could attend the Community College of
Baltimore County for two years and then transfer to University of Maryland for your third and fourth years.
The two-plus-two strategy would cost only about $61,440 (including room and board) for four years
versus $109,680. You’d save almost $48,240 in tuition and fees over two years. Nearly 50% off.

If you’re a parent looking for ways to save for your retirement and make sure your children get a great
education, this is the trick. You save big money and your kids still get diplomas from a big-name school.

50% Off Cable

Nothing is worse than dealing with the hassle of a cable company. Whether it’s poor customer
service, mismanagement, or the technician promising to show up sometime between 8 a.m. and 2
p.m., I wish Americans could collectively punish cable companies and go on strike. However, I have
discovered a way to shave 50% a month on your cable bill.

Just simply call and ask for the best deal they have.

That’s it. Just ask. If they refuse, threaten to move your service to another company (almost all
cities in the U.S. have a competitor in town). Then ask to speak to the retention department. I called
Comcast and got my bill lowered from $170 a month to $89.

I’ve heard stories of some phone operators refusing to do anything. If that happens, just call back
another day at a different time. Chances are slim the cable company will cancel your service entirely.
After all, the company wants your money. So whether it’s Comcast, Time Warner, or Verizon, be sure
to call your cable company and request a better rate. I can almost guarantee they’ll lower your
monthly bill. It may not be as drastic as a 50% reduction, but it’s worth trying. Worst case, you do
have to shift over to the competitor, but after the initial hassle of setting up the service, you’ll be
saving hundreds of dollars a year.

Use this ‘Black Card’ to Save 40% on Restaurant Bills

Dining out can get expensive. Thankfully, I’ve found a way to save 40% off my restaurant bills,
which for me is about $100 a week.

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 When I first discovered this opportunity, I figured there was a catch. I didn’t think it was possible
to save this much money on restaurant tabs.

But if you go to [Link], put your zip code in, and search for restaurants nearby, you
can find at least 60%-off coupons for dozens of local restaurants. The first time I put in my Baltimore
zip code, I found 65 restaurants within five miles and an amazing 230 places within 30 miles.

Each listed restaurant offers online gift certificates – or what I’m calling their “Black Cards” – that
allow you to purchase $25 of value for only $10. You can buy a $50 gift certificate for $20. You can
buy a $100 gift certificate for only $40. If you and a group of friends went out and spent $100 on
dinner, it would only cost the table $40 (plus the cost of the certificate). This can save you more than
40% on the total cost.

When I first found this website, I was a bit skeptical... So I decided to try it out on a little Thai
place a few blocks from the office. Two friends and I bought a $50 certificate, ordered summer rolls
with shrimp, Panang chicken, pad Thai, and sautéed broccoli... and ended up paying $20 for a $48.76
tab. The restaurant took the certificate no problem. Since then, I’ve used hundreds more dollars’ worth
of certificates at two other restaurants... I’ll probably end the year saving $1,000 or more.

[Link] guarantees its certificates. The company lists its phone number and e-mail, and it
is quick and helpful. If you’re still not convinced, call the restaurant before you purchase a certificate
to make sure it accepts them. So far, they’ve all told me, “Yes sir, we sure do.” And they did.

You should also keep these two things in mind...

1) Each restaurant has a minimum purchase requirement that ranges between $35 and $50. This
often excludes alcohol. If you’re out with a couple friends, then you’ll surely hit the
minimums.

2) Also, some restaurants automatically add 18% gratuity. This is only fair... You’ve found a
special loophole, but those waiters and waitresses shouldn’t be hit with lower tips.

The founders of [Link] wanted to create a way for people to find new restaurants where
they work and live. As they put it, “We wanted to encourage the celebration of dining, but make it
more affordable.” If you love to eat out as much as I do, just go [Link], put in your zip
code, and see what’s near you. You can browse through menus and see if you might like a new place.

Once you find your restaurant, just pay for the certificate, print it out, and off you go.

A Nearly Free Trip

I don’t know about you, but I love traveling for almost nothing. Something about knowing that I’m
getting 10 times the value it costs me makes it all the more exciting. It’s like the first blindfolded wine
tasting I conducted in 1978 when we discovered that wine for $15 can taste as good as stuff the French
wine snobs were charging $65 for. What a joy. It’s the Retirement Millionaire feeling.

I found a secret way to take an RV trip for just $30 a day... rather than the $200-per-day fee it
normally costs. This secret alone will pay for several years of your subscription.

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 How does this it work?

The company that rents these RVs is called Cruise America – you may have seen its vehicles with
brightly painted landscapes on the sides. The company constantly needs to move its vehicles around
the country. Rather than hire expensive drivers or moving companies, it seeks out “volunteers” to make
the trip. In my case, I got a 90% discount on what it normally charges. You can do the same thing.

Here’s how I did it. I flew one-way on Southwest into Las Vegas ($189) and took a cab ride ($30) to
a lot run by Cruise America.

From Las Vegas, I drove to the Grand Canyon; Sedona, Arizona; and through the desert of northern
Arizona on my way to the drop-off in Phoenix. I had nearly unlimited miles and up to six days to make
the trek. Best of all... I got to use a $95,000 RV for just $30 a day.

After my drive, I flew home from Phoenix – only $179 on Southwest.

Total cost – airfare, gas, and RV rental... everything for five nights and six days – was less than $800.

Keep in mind, you don’t need any special license. Your regular driver’s license works fine. Driving
these is simple. And most campgrounds are designed to make it easy.

Cruise America has 124 rental locations in 40 states and in Canada. To book a trip, simply go to the
website [Link]. Click on “Hot Deals” and you’ll see the best deals Cruise America
currently has.

The destinations change all the time. So if you don’t see one you like, just be patient and keep
checking. An attractive one is bound to crop up.

Camping World offers other great RV rental deals. Camping World has 15 rental locations across
the U.S. Much like Cruise America, Camping World rents RVs that need to be moved between
locations.

Just go to [Link] This will take you to the best deals

Camping World has at the time, which can range from $9.95 to $19.95.

A Working Wine Vacation That Feels Free

If the idea of working on vacation seems interesting, you should consider the idea of a “crush”
vacation. Working the crush means helping a winery pick, destem, press, and move juice, barrels, and
waste during the harvest. It is one of the most unique cultural experiences you can imagine. I’m not
going to lie... this is a physically demanding vacation. But in the end, you get a vacation and a few
bottles of good wine to take home.

Ever since 2007, I have traveled to Calistoga, California, and stayed with my friends, owners of the
Mutt Lynch Winery. Their Sonoma winery produces some of the best unwooded (fermented in steel
tanks rather than traditional oak ones) chardonnays I’ve ever tasted. The description on their website
says it all: “Fresh, juicy fruit aromas and flavors of peaches, pears, and apples, with a creamy and zingy
finish. The fruit ‘jumps out of the glass’...”

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 For more than a week, I worked for the Lynch family. I did everything from helping the grape-pickers
pluck dead leaves under a warm September sun, to dumping the pomace at the end of the day. I didn’t get
paid a thing and the work conditions were sometimes a bit difficult, but the benefits included room,
board, and a great experience. Most importantly, I learned about winemaking – from world experts.

One of the experts I learned from, Phyllis, is half-owner of a winery called Deux Amis that shares
space with Mutt Lynch.

I watched (and helped) Phyllis and her colleague Brenda measure levels of sugar and pH in the
fermenting juice and “punch down” grape skins floating in the nascent wine to ensure a uniform
fermentation. Seeing them monitor and adjust the winemaking process to tease the flavor they want
from every unique batch of grapes taught me how much of an artist’s touch great winemakers bring to
their work. It’s not the sort of perspective you get from reading the Wine Spectator.

Phyllis and her partner Jim have been in the wine business of northern California for more than 70
years combined. It was an honor to learn from them.

It turns out there are dozens of small local wineries like Mutt Lynch and Deux Amis around the
world who desperately need help during the harvest season. These tiny wineries simply can’t afford to
pay for full-time help. Instead, they offer free room and board to ordinary folks who are looking for a
memorable experience.

In most of America’s wine-producing regions – including Napa and Sonoma in California,

Willamette Valley in Oregon, and New York’s Finger Lakes region – you can work a crush. If you’re
interested in a wine-country vacation, I recommend you contact your favorite vineyard directly.

For example, some smaller and less-known vineyards of Ohio love having volunteers help them
with the harvest. Simply register your interest prior to the season by contacting the individual winery,
or just visit the winery on public picking days that get advertised in local newspapers. In Ohio, you can
try these vineyards:

Debonné Vineyards in Madison, Ohio (tel. 440-466-3485; [Link]),

Troutman Vineyards in Wooster, Ohio (tel. 330-263-4345; [Link]),
Rainbow Hills Vineyards in Newcomerstown, Ohio (tel. 740-545-9305; no website), and
Slate Run Vineyard in Canal Winchester, Ohio (tel. 614-834-8577; [Link]).

By the way, my friends at Mutt Lynch specialize in dog-themed wines. Their wines include names
like Merlot Over and Unleashed Chardonnay. Give them a call or check out their website.

And it goes without saying, by mentioning their info I get nothing from my friends... other than a
thanks.

Mutt Lynch Winery

[Link]
(tel. 707-942-6180; fax 707-942-8755; e-mail: info@[Link])

Deux Amis Winery

[Link]
(tel. 707-431-7945; e-mail: friends@[Link])

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 FREE Cruises for a ‘Gentleman Host’
If you can dance, socialize, and are between the ages of 40 and 68, I have the dream getaway for you.

On many ocean cruises, women outnumber men by a wide margin, especially among senior
passengers. To balance things out, ocean lines recruit male social hosts to dance and socialize with
women passengers. The only requirement for these hosts is to be able to carry a conversation with a
stranger and know formal dance styles like ballroom, swing, fox trot, and waltz.

Needless to say, the biggest benefit to becoming a “gentleman host” is the nearly FREE cruise you
get in return. By signing up to become a gentleman host, you get to spend several weeks a year at sea
where you can wine and dine on luxury ships for close to nothing.

Depending upon the cruise line, you may pay a small daily fee of $25. But compared to the
thousands of dollars you’d otherwise spend for the same accommodations, this is a great bargain.

What else do you get? Benefits vary from cruise to cruise, however, gentleman hosts typically receive:

• Dining room privileges.

• Regular cabin accommodations.
• Beverage and laundry allowances.
• Round-trip airfare for some cruises.
• Inclusion in shore excursions.
• A gratuities allowance.
• A 20% discount from Jos. A. Bank men’s clothier.
• And most importantly, a chance to travel the world and meet new friends.

Cruise lines offering gentleman host programs include some of the biggest names in the industry:
the Delta Queen Steamboat Company, Regent Seas Cruises, Holland America Line, Crystal Cruises,
Silversea Cruises, Fred Olsen Cruises, and NYK Cruises.

Chicago-based company The Working Vacation, owned by Lauretta Blake, is a recruitment agency
for gentleman host on cruise ships. Contact Lauretta’s agency at [Link] to see if
you qualify to be a gentleman host.

And of course, you can contact the cruise lines directly.

Another Way to Cruise for Nearly Free

For anyone who doesn’t fit the criteria to be a gentleman host, there is another way to travel for
free. Sixth Star Entertainment is looking for a variety of people to provide entertainment.

Whether you’re an art history expert, a computer expert, or caricature artist, you can have your
passage (and a guest’s) on a luxury cruise ship paid for. You just have to be an expert at your craft and
be able to pay a small daily fee of up to $65.

You can be an expert in fields ranging from geography, to art history, to health. You’ll need to be
prepared to give a presentation (preferably visual) every sailing day.

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 Daily lectures range from 45 to 60 minutes. Caricature artists spend about two hours during each
day at sea drawing for passengers. After that, you can spend the day like any other passenger.

Visit [Link] to find current openings.

Free Golf
If you love to play golf, I’ve found a way you can play for free and even generate a little income
(you don’t have to be any good... you just have to love the game).

I learned this secret from my friend Hank. And to be honest, at first I thought Hank had fallen on
hard times.

Hank was one of my internal medicine instructors at North Carolina... and a highly respected liver
specialist. That’s why I was surprised to see him standing at the first tee with a clipboard in hand. He
was the starter that morning at UNC-Chapel Hill’s Finley Golf Course.

What’s a “starter”?

A starter maintains the starting times and order of groups playing each day. They ensure golfers get
off the first tee promptly and keep track of the number of golfers on the course. That’s it. This is not a
full-time job. In fact, calling it a job is blasphemy. Anyone can do this.

“Hank... what are you doing here?” I asked him.

“Getting free golf,” he replied.

Hank is semi retired. He loves to be outside... And he loves to play golf. Green fees at Finley (the
price for a round of golf) can run up to $100 during peak time. So Hank works a couple days a week as
a starter during its busy times. In return, his golf games are free the rest of the week. The money isn’t a
big deal to Hank. He’s a part-time doctor... He just loves to be around a golf course.

So if you love golf, are able to pair off players, assign starting numbers, and greet the public on
weekend mornings, I would suggest you contact your local country club or visit a nearby golf course
and ask them to hire you as a starter.

More Golf for FREE: Lessons, Club

Fittings, a Round with Your Daughter
Another way you can play golf for free is through the Professional Golf Association’s (PGA) Play
Golf America marketing effort.

Among the freebies, the PGA offers...

• Free club fittings with fair market trade-in value offered for your old clubs, too.
• Free lessons with a PGA professional.
• 2-for-1 golf lessons with a PGA pro if you have an American Express card.
• Free range balls for your children.
• A free round of golf for young ladies accompanied by a paying adult.

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 By the way, the lessons are from real PGA instructors who donate their time.

Last year, more than 7,500 PGA professionals nationwide gave nearly 150,000 free lessons for
those in need of a tune-up. More courses than ever are expected to participate this year. Give it a try.
I did last year and two simple tips lowered my handicap a couple of strokes.

To take advantage of these offers, go to [Link]. Just enter your zip code at the
top of the page and a list of programs in your area will appear. There you’ll find several things you
can do for free. Make sure to take a look... Some of these events are only offered in certain months.

The Easiest Way to Get Free Shipping

I love online shopping. It’s convenient, and many stores offer special discounts you only get on-
line. But some sites rarely advertise free shipping. The website [Link] finds all the us-
able codes. The site currently has more than 2,000 free shipping codes for vendors like Amazon and
Home Depot. And it tracks shipping offers on more than 4,000 retailers.

Best of all, you don’t need to enter any personal information to get the free shipping codes. But
some of the offers are conditional and require a minimum purchase, while some offer shipping for
around $1. And some retailers even have discounts when you use the free shipping code. For exam-
ple, Lands’ End recently offered free shipping plus a 20% discount on your order.

You can be notified when the site adds new free shipping coupons. Just enter your e-mail address
in the “Free Shipping Coupon Alerts” box on the front page, and you’ll receive an e-mail when a new
coupon is available.

Save 75% on Home Improvement

The next time you start a project, skipping the home improvement store could save you more than 75%.

Habitat for Humanity runs ReStore. These are home improvement outlets that sell new and used
goods such as appliances, building materials, and furniture. The goods are donated from individuals
and businesses. You can purchase the items at a fraction of the retail price. A portion of your
purchase goes to fund the construction of Habitat for Humanity homes.

I was making some improvements on my home in Augusta, Georgia and found a brand-new
basement door priced at $180, but I only paid $40.

Most of the items are priced for less than $100, letting us save hundreds on home improvement
projects. The stores are like a permanent garage sale, but with many new things, like my door.

Habitat for Humanity runs over 600 ReStores in the U.S. The stores don’t carry the same items,
since everything is donated. If your local store doesn’t have what you’re looking for, check back every
week or so as their inventory constantly changes. You can find your local Habit for Humanity ReStore
by visiting [Link].

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 Movie Deals
Throughout the year, I uncover tons of deals. Some of them take a little more time and effort
than others. And a few may only save a few dollars here and there. But that’s no reason not to share
them. For example, if you like movies, as I do, you’ll like these deals:

Free Movies: Many theaters offer cheap showings of family movies, especially during the
summer. Regal Entertainment Group, for example, hosts a Family Film Festival every Tuesday and
Wednesday morning from June to August for just $1.

Movies from AAA: Check the American Automobile Association (AAA) online. Through its site,
you can get tickets to Regal, United Artists, and Edwards Theatres for $6 about $87.50 for a pack of
tickets, each in many areas of the U.S. (you have to be a member to get the deals).

Costco Warehouse: You can get discount movie tickets online to Regal Theaters for $8.50 per
ticket when you purchase four.

Free Online Trading

Unless you’re a daytrader, there’s a way you can trade online for free. If you don’t need a
trading account with a lot of bells and whistles, or handholding, Bank of America has an account
service for you.

Bank of America offers 30 free trades per month for account holders with at least $25,000 total
in their deposit accounts (such as CDs, savings, and checking accounts).

The trading service, Merrill Edge, is powered by Merrill Lynch and allows clients to trade stock,
bonds, mutual funds, and ETFs up to 30 times per month online without having to pay commission
fees. You will need to have a self-directed trading account. Find out more here: [Link].

Enjoy Your Freebies

Well, I hope you’ve enjoyed learning about a few of the inexpensive and even free ways to live
your life. From telephone over the Internet to travel trips in the wine-country, my newsletter,
Retirement Millionaire, will uncover secrets like these all year long.

13
Retirement Millionaire
1217 St. Paul Street
Baltimore, MD 21202
1-888-261-2693