tag:blogger.com,1999:blog-34205028251033157892024-02-18T21:09:01.230-05:00FrugalapolisFrugal Living Resources, Ideas, Sharing and Experiences Unknownnoreply@blogger.comBlogger1001125tag:blogger.com,1999:blog-3420502825103315789.post-84796759374694007162021-10-13T07:35:00.001-04:002023-02-19T14:46:27.174-05:00Tampa Bay Lightning 2022-2023 "We Win You Win" Promotions<p><span style="font-family: verdana;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: verdana;"><a href="https://lh3.googleusercontent.com/-55Gez4JvZi4/YWbBmoPk-sI/AAAAAAADV-o/l_xe2Ka2d3o8X-eBgtzXiVGk18sJjsghACLcBGAsYHQ/image.png" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="210" data-original-width="372" height="181" src="https://lh3.googleusercontent.com/-55Gez4JvZi4/YWbBmoPk-sI/AAAAAAADV-o/l_xe2Ka2d3o8X-eBgtzXiVGk18sJjsghACLcBGAsYHQ/image.png" width="320" /></a></span></div><span style="font-family: verdana;"><br />#1 ChickFilA Sandwich - When the Lightning win a home game, open the Chick-fil-A app after the final buzzer. You’ll have until midnight to claim a free chicken sandwich or biscuit. You then use your mobile app to get the freebie the next day at most Tampa area Chick-fil-A locations. If you have location services turned off, you may not get the deal because it’s exclusive to Tampa Bay fans. Also there are times when the freebie doesn’t pop up in those first 30 minutes.</span><p></p><p><span style="font-family: verdana;">Now a personal tip – since this freebie is in your app, place your full order with the app, pay with it and opt for in store pickup. Lines in the drive thru are always long, but they can get cray cray long the day after a Lightning home game. Just walk in the store and pick up your order without the wait!</span></p><p><span style="font-family: verdana;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: verdana;"><a href="https://lh3.googleusercontent.com/-0oDIV5_HWr0/YWbDcygIEaI/AAAAAAADV-8/fXW1guTbOWAZbAmDd-bmi9g-BGPt87T2ACLcBGAsYHQ/image.png" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="259" data-original-width="194" height="240" src="https://lh3.googleusercontent.com/-0oDIV5_HWr0/YWbDcygIEaI/AAAAAAADV-8/fXW1guTbOWAZbAmDd-bmi9g-BGPt87T2ACLcBGAsYHQ/image.png" width="180" /></a></span></div><span style="font-family: verdana;"><br /></span><span style="font-family: verdana;"><br />#3 Papa Johns 50% off - you get a half price pizza at Papa John’s when the Lightning win – home or away. The day after a win, use the promo code BOLTSW in their app or on their website to get the deal.</span><p></p><p><span style="font-family: verdana;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: verdana;"><a href="https://lh3.googleusercontent.com/-iFEfnI-X-1w/YWbDWFF1rbI/AAAAAAADV-4/ciORmHB3Y4kUk-3ledHEy44dxf_yDdVygCLcBGAsYHQ/image.png" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="173" data-original-width="291" height="190" src="https://lh3.googleusercontent.com/-iFEfnI-X-1w/YWbDWFF1rbI/AAAAAAADV-4/ciORmHB3Y4kUk-3ledHEy44dxf_yDdVygCLcBGAsYHQ/image.png" width="320" /></a></span></div><span style="font-family: verdana;"><br />#4 Wendys - Even if it’s not a home game, if the Lightning score 4 goals or more, you get a free Double Stack burger at Wendy’s. For this one, just show the tweet or facebook post from the Lightning from the point in the game when the Bolts scored their 4th goal. The offer also works if the Lightning get the shut out.</span><p></p><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comTampa, FL, USA27.950575 -82.4571776-0.35965883617884487 -117.6134276 56.260808836178846 -47.300927599999994tag:blogger.com,1999:blog-3420502825103315789.post-83647243630466226382021-07-30T15:07:00.000-04:002021-07-30T15:07:19.045-04:00MInnesota State Fair **NEW FOODS***<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8T8rXc3tQpJ6GdgM-2ta-7GABnHNuu1MG_BW0dHRrmpvhGPK_TQOct7sBg6LYBhvToP_GLLX7s2N8iPvIV6XZqXCWUKxXnIeNqtHMRKqZmAHidvYdyZcNgjnwxX1QxNyIxNr4aq-U9M4/s2048/cracklin-prime-nachos.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8T8rXc3tQpJ6GdgM-2ta-7GABnHNuu1MG_BW0dHRrmpvhGPK_TQOct7sBg6LYBhvToP_GLLX7s2N8iPvIV6XZqXCWUKxXnIeNqtHMRKqZmAHidvYdyZcNgjnwxX1QxNyIxNr4aq-U9M4/s320/cracklin-prime-nachos.jpg" width="320" /></a></div><br /> Yum! I clicked on this <a href="https://www.mnstatefair.org/new-this-year/food/" target="_blank">Minnesota State Fair New Foods</a> and there are a ton of great looking and I imagine great tasting new foods this year. Every year we make the trek across the nation to attend the State Fair, and this year is no exception. The Fair is from August 26 through Sept 6, 2021. <p></p><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-69558621455134918222020-03-19T09:36:00.000-04:002020-03-19T09:36:58.029-04:00Intuitive Eating Frugal <div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-VqdrkupQ3iU/XXpA9ArbvyI/AAAAAAACtE8/YQy-a6R9rXU78sSPKhUJEIlzx7m2EGuZACKgBGAsYHg/s1600/20190825_123915.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://1.bp.blogspot.com/-VqdrkupQ3iU/XXpA9ArbvyI/AAAAAAACtE8/YQy-a6R9rXU78sSPKhUJEIlzx7m2EGuZACKgBGAsYHg/s400/20190825_123915.jpg" width="400" /></a></div>
When I was a child I had hoarder tendencies. With food. My mom would buy some donuts or cookies and keep them in the bread box for everyone in the family to eat. But my older brother, and younger sister have no restraint and would eat them all within a day. I would maybe get one to eat, before they were gone. I liked to savor and enjoy the chewy sweetness, one small bite by bite. But if I wanted to have more to eat another day, I would have to hide the sweet treat where it was out of reach for the hungry paws of my siblings. I mentally calculated what my portion would be among our family of five, and stash it somewhere no one would find it, like in a box of rice or empty cookie jar in the cupboard. I don't think I ever forgot where something was stashed, and I don't really remember if it was ever found out and disappeared before I could eat it, but it probably happened.<br />
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Anyway, I still like to savor my favorite foods and consume them in many sittings. I have a lot of self control and actually prefer to enjoy my treat foods many times. I find that all I need or want is a few bites and the pleasure never diminishes. When you eat what you really want, the pleasure you derive will be a powerful force in helping you feel satisfied and content. Little did I know this is called Intuitive Eating. Eating foods you enjoy and that feels good, is a way to connect with your body more deeply. <br />
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To practice this principle, I invite you to ask yourself: What do I really want to eat? Think about what is available to you where you are now. Do you want savory, salty, sweet, protein, spicy or mild? What food would hit the spot at this moment? How do I want to feel when I finish eating?<br />
<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-1625910318594413362019-10-01T19:43:00.000-04:002019-10-01T19:43:55.030-04:002019 3rd Qtr Mileage Report<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-OQ3sxwTHu4o/XZPgfvw12ZI/AAAAAAACuuo/aC-9bl7S5rkS63pFyo8C4mDGdprDR_iTQCKgBGAsYHg/s1600/20190920_195321.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://1.bp.blogspot.com/-OQ3sxwTHu4o/XZPgfvw12ZI/AAAAAAACuuo/aC-9bl7S5rkS63pFyo8C4mDGdprDR_iTQCKgBGAsYHg/s400/20190920_195321.jpg" width="400" /></a></div>
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Wow, its been a hot summer, and rainy too. Lots of rained out bike rides home from work this summer, but that didn't stop me. Unfortunately about two weeks ago, a white ghost bike was installed on my most dangerous corner off 56th and Harney. That means some poor soul didn't make it. I'm not surprised given that Tampa has nearly the highest number of cyclist and pedestrian deaths from cars in the Nation. My angels have protected me the past 15 years commuting to work, so I hope they don't fly off the last few before I retire. Today, as I was weaving around dump trucks in lanes of traffic and between cars, a dude driving a F350 come driving up along side me and rolls his window down to admonish me for biking. "What are you doing out here with all these kooky drivers, you're brave girl". I just said, "I know, I know". Anyway, gotta love it. The mornings are dipping below 70F, and its dark so I have on my extra safety gear, a lighted helmet and safety hi vis vest. </div>
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We did get out the motorcycles for couple quick rides, both have needed their batteries replaced this quarter. The camry is our old reliable, unobtrusive vehicle that we drive when the chances of a door dinger are good - the grocery store, the bar, busch gardens. The van is super handy for tailgateing at concerts and where ever we tailgate. Actually, this weekend we're volunteering at the Tampa Tailgate Taste Fest in downtown, should be fun.</div>
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It was another typical quarter as far as mileage, around 3K miles combined for all our vehicles. The majority miles were the van and the bike.</div>
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<a href="https://1.bp.blogspot.com/-Kqr9ND5LDvc/XZPjl099LNI/AAAAAAACuu4/ulSmHHllZqI9FPaTriweVtw8CeMSRA4owCLcBGAsYHQ/s1600/mileage100119.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="183" data-original-width="661" height="88" src="https://1.bp.blogspot.com/-Kqr9ND5LDvc/XZPjl099LNI/AAAAAAACuu4/ulSmHHllZqI9FPaTriweVtw8CeMSRA4owCLcBGAsYHQ/s320/mileage100119.png" width="320" /></a></div>
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<tr><td class="tr-caption" style="text-align: center;">DOA Campground bus at Howl O Scream, Busch Gardens</td></tr>
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-63602428238416604742019-09-23T17:38:00.000-04:002019-09-23T17:38:53.114-04:00Ten Uses for Google Maps besides DirectionsOne of my absolute, daily go-to apps on my Android phone is the <a href="https://play.google.com/store/apps/details?id=com.google.android.apps.maps&hl=en" target="_blank">Google Maps app.</a> It's not that I need directions to get around everyday, it's because it can show you all sorts of other information.<br />
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Did you know you can do all this?<br />
<ol>
<li>Traffic - in real time. Green is good, Red lines on the highways indicate traffic jams. There is usually a red icon for accidents, and orange icon for construction backups.<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-DCn8og2MMnI/XYTlXPB5PtI/AAAAAAACuRo/ChwTuvE5nt0Rhoz4nnpX2BrCu8wN0-xNACKgBGAsYHg/s1600/Screenshot_20190920-103751_Maps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-DCn8og2MMnI/XYTlXPB5PtI/AAAAAAACuRo/ChwTuvE5nt0Rhoz4nnpX2BrCu8wN0-xNACKgBGAsYHg/s320/Screenshot_20190920-103751_Maps.jpg" width="155" /></a></div>
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<li>Tag Places you want to Visit - read about a new restaurant? Tag it. Want to see that Gaudi museum in Barcelona? Tag it. Want to see the murals in Montreal. Tag it. You can see in my Googles Maps the teal colored tags are murals and food. The yellow tags are places saved. The green tags are places I want to go. The Red tags are favorites. <div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-zi8rdvc4OyE/XYTm3WK_LhI/AAAAAAACuSU/JZemTduxnyMYMGRUU_bkFZvzAUJHEVnLQCKgBGAsYHg/s1600/Screenshot_20190920-104459_Maps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-zi8rdvc4OyE/XYTm3WK_LhI/AAAAAAACuSU/JZemTduxnyMYMGRUU_bkFZvzAUJHEVnLQCKgBGAsYHg/s320/Screenshot_20190920-104459_Maps.jpg" width="155" /></a></div>
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<li>Hours of Operation - all businesses have their hours listed in Google Maps, also a graph of when the place is busy or not.<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-h5zWnFwNuE4/XYTlQbO0CmI/AAAAAAACuRk/yPrh9_o9qecRYNjXDKPhTm1JspzXj4X3ACKgBGAsYHg/s1600/Screenshot_20190920-103828_Maps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-h5zWnFwNuE4/XYTlQbO0CmI/AAAAAAACuRk/yPrh9_o9qecRYNjXDKPhTm1JspzXj4X3ACKgBGAsYHg/s320/Screenshot_20190920-103828_Maps.jpg" width="155" /></a><a href="https://1.bp.blogspot.com/-iiv_CZbQ3Cg/XYTlKlXKCeI/AAAAAAACuRc/y65EC7sjr682-AO8wYQZzts9IGOC_Ue8wCKgBGAsYHg/s1600/Screenshot_20190920-103233_Maps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-iiv_CZbQ3Cg/XYTlKlXKCeI/AAAAAAACuRc/y65EC7sjr682-AO8wYQZzts9IGOC_Ue8wCKgBGAsYHg/s320/Screenshot_20190920-103233_Maps.jpg" width="155" /></a></div>
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<li>Photos - of Businesses and locations, their food and drinks. You can see all the photos that users have uploaded for this location.<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-iPvaX7mQol4/XYTmE_KskCI/AAAAAAACuSE/mXdr3tMjHvYwkW3fXDZTc77FdYggzKc4gCKgBGAsYHg/s1600/Screenshot_20190920-103945_Maps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-iPvaX7mQol4/XYTmE_KskCI/AAAAAAACuSE/mXdr3tMjHvYwkW3fXDZTc77FdYggzKc4gCKgBGAsYHg/s320/Screenshot_20190920-103945_Maps.jpg" width="155" /></a></div>
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<li>Reviews of Businesses - good and bad. also "About" area that describes offerings, accessibility, planning, and possibly a note from the owner.<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-FPYKKEMrhFE/XYTlk714OVI/AAAAAAACuRs/vssxghEXfiQOkMY7yHbTG7ejqU6SrWqjwCKgBGAsYHg/s1600/Screenshot_20190920-103914_Maps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-FPYKKEMrhFE/XYTlk714OVI/AAAAAAACuRs/vssxghEXfiQOkMY7yHbTG7ejqU6SrWqjwCKgBGAsYHg/s320/Screenshot_20190920-103914_Maps.jpg" width="155" /></a></div>
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<li>Add your own 2 cents - you can upload that plate of food picture, or the menu on the wall, or the outside of the building to help the user community</li>
<li>See whats nearby your destination. If you're looking for a hotel near that theme park.</li>
<li>Phone numbers and link to call direct from Google maps<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-ocTeqqaHcG0/XYTlo7jDrUI/AAAAAAACuRw/PmCSiJRO2dEzNg4gDwz71nGERQRny5Z9gCKgBGAsYHg/s1600/Screenshot_20190920-104118_Maps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-ocTeqqaHcG0/XYTlo7jDrUI/AAAAAAACuRw/PmCSiJRO2dEzNg4gDwz71nGERQRny5Z9gCKgBGAsYHg/s320/Screenshot_20190920-104118_Maps.jpg" width="155" /></a></div>
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<li>Website of business with link to click</li>
<li>Google My Maps app - you can make a journey by selecting many locations and then save it as mymap for offline use later. This is a little more advanced, but super helpful in planning travel. There is an app called <a href="https://play.google.com/store/apps/details?id=com.google.android.apps.m4b&hl=en" target="_blank">Google My Maps</a> that lets you add places to make a tour and save it off line too.<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-Lz-jqXRX9s0/XYTnQZ2GyCI/AAAAAAACuSo/tNRCDUAlDB8dzLFTXVc2KK4uexjYJbZBgCKgBGAsYHg/s1600/Screenshot_20190920-104807_My%2BMaps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-Lz-jqXRX9s0/XYTnQZ2GyCI/AAAAAAACuSo/tNRCDUAlDB8dzLFTXVc2KK4uexjYJbZBgCKgBGAsYHg/s320/Screenshot_20190920-104807_My%2BMaps.jpg" width="155" /></a><a href="https://1.bp.blogspot.com/-mwKV7qWiyKw/XYTnQVbSwgI/AAAAAAACuSo/S7mtm82v5CIemdVVOstnDgXWs6Hp_yGWACKgBGAsYHg/s1600/Screenshot_20190920-104819_My%2BMaps.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-mwKV7qWiyKw/XYTnQVbSwgI/AAAAAAACuSo/S7mtm82v5CIemdVVOstnDgXWs6Hp_yGWACKgBGAsYHg/s320/Screenshot_20190920-104819_My%2BMaps.jpg" width="155" /></a></div>
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</ol>
<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-86373625403513818042019-09-20T10:27:00.001-04:002019-09-20T10:58:00.768-04:00A Method To Select & Analyze 401K Investment ChoicesWhen your employer offers you the benefit of a 401K investment option, you need to select from the choices they offer in the retirement plan. My employer is revamping and forcing investors to switch companies and select from a few choices. Here's the process I followed to make my decision.<br />
<i>Disclaimer: I am not a financial advisor and considering this information is at your own risk.</i><br />
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<ol>
<a href="https://1.bp.blogspot.com/-RhjkHnmBxBQ/XYJ7bz3Ae5I/AAAAAAACuNs/d9ZMZS5VEQAIx8yDxewHkBO_HsfRIwgAQCKgBGAsYHg/s1600/Screenshot_20190918-144250_Dividend%2BTracker.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1480" data-original-width="720" height="320" src="https://1.bp.blogspot.com/-RhjkHnmBxBQ/XYJ7bz3Ae5I/AAAAAAACuNs/d9ZMZS5VEQAIx8yDxewHkBO_HsfRIwgAQCKgBGAsYHg/s320/Screenshot_20190918-144250_Dividend%2BTracker.jpg" width="155" /></a>
<li> Go to your companies 401K website and find the link for the comparison of the "Various products, fees and investment items". There you should find a quarterly performance report for the last quarter. </li>
<li>The first thing I review is the historical returns, and the fees. I eliminate any with high fees over about 5%.</li>
<li>Then I look for double digit returns in the last year. Eliminate any choices that don't have at least double digit returns in the past three to five years.</li>
<li>Also consider the type of fund being considered and what risk range is preferred.</li>
<li>So, now you only have a handful to investigate further. Find out the ticker symbol of the fund or stock so you can investigate dividends, review the performance charts and see projected dividends.</li>
<li>With your ticker symbol, you can search google finance to determine the last years dividend. If there is no dividend, then eliminate the choice from your remaining inventory.</li>
<li>I like to use a free android app called <a href="https://play.google.com/store/apps/details?id=com.erikk.divtracker&hl=en" target="_blank">Dividend Tracker</a> to look up and research funds.</li>
<li>Then I made a chart in Excel where I could compare the potential of the ticker symbol by taking the share price minus the annual fee cost and add the annual dividend income (average 5 year) to come up with the final projected value of the the fund/stock.</li>
<li>Using Dividend Tracker I can find the 5 year average dividend which I use instead of last years. I also can review the dividend history to see if they have been decreasing or increasing, or have stopped altogether.</li>
<li>Review your choices and add more to your chart if none of them look promising. If you decide on a fund, google it and research it further to be sure it aligns with your investment strategies.</li>
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<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 811px;">
<colgroup><col style="mso-width-alt: 1828; mso-width-source: userset; width: 38pt;" width="50"></col>
<col style="mso-width-alt: 1645; mso-width-source: userset; width: 34pt;" width="45"></col>
<col style="mso-width-alt: 2048; mso-width-source: userset; width: 42pt;" width="56"></col>
<col style="mso-width-alt: 1060; mso-width-source: userset; width: 22pt;" width="29"></col>
<col style="mso-width-alt: 2340; mso-width-source: userset; width: 48pt;" width="64"></col>
<col style="mso-width-alt: 1901; mso-width-source: userset; width: 39pt;" width="52"></col>
<col style="mso-width-alt: 2962; mso-width-source: userset; width: 61pt;" width="81"></col>
<col style="mso-width-alt: 3218; mso-width-source: userset; width: 66pt;" width="88"></col>
<col style="mso-width-alt: 1792; mso-width-source: userset; width: 37pt;" width="49"></col>
<col style="mso-width-alt: 2011; mso-width-source: userset; width: 41pt;" width="55"></col>
<col style="mso-width-alt: 1536; mso-width-source: userset; width: 32pt;" width="42"></col>
</colgroup><tbody>
<tr height="40" style="height: 30.0pt;">
<td class="xl72" height="40" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; height: 30pt; width: 38pt;" width="50"><b>stock</b></td>
<td class="xl74" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 34pt;" width="45"><b> price </b></td>
<td class="xl75" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 42pt;" width="56"><b>#shares in 100K</b></td>
<td class="xl72" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 22pt;" width="29"><b>fee</b></td>
<td class="xl72" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 48pt;" width="64"><b>-fee</b></td>
<td class="xl72" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 39pt;" width="52"><b>divd per share</b></td>
<td class="xl72" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 61pt;" width="81"><b>+annual dividend</b></td>
<td class="xl72" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 66pt;" width="88"><b>value+AVG divd-fee</b></td>
<td class="xl73" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 37pt;" width="49"><b>5 yr avg divd</b></td>
<td class="xl77" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 41pt;" width="55"><b>5yr divd proj</b></td>
<td class="xl78" style="background: rgb(68, 114, 196); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: white; font-family: Calibri, sans-serif; font-size: 10pt; width: 32pt;" width="42"><b>price to div ratio</b></td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl79" height="20" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt; height: 15pt;">RGAEX</td>
<td align="right" class="xl82" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: windowtext; font-family: Calibri, sans-serif; font-size: 10pt;">49.63</td>
<td align="right" class="xl83" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">2073.83</td>
<td align="right" class="xl84" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">6.8</td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 680.00 </td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 5.08 </td>
<td class="xl85" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 10,535.05 </td>
<td class="xl86" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 107,283.50 </td>
<td align="right" class="xl87" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">$3.84</td>
<td align="right" class="xl88" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">10.55%</td>
<td align="right" class="xl89" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">9</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl84" height="20" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt; height: 15pt;">VCSRX</td>
<td align="right" class="xl82" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: windowtext; font-family: Calibri, sans-serif; font-size: 10pt;">22.50</td>
<td align="right" class="xl83" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">4623.21</td>
<td align="right" class="xl84" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">5.6</td>
<td class="xl81" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
560.00 </td>
<td class="xl81" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
2.04 </td>
<td class="xl85" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
9,431.35 </td>
<td class="xl85" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
103,508.42 </td>
<td align="right" class="xl87" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">$0.88</td>
<td align="right" class="xl88" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">9.45%</td>
<td align="right" class="xl89" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">11</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl84" height="20" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt; height: 15pt;">LSSIX</td>
<td align="right" class="xl82" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: windowtext; font-family: Calibri, sans-serif; font-size: 10pt;">27.23</td>
<td align="right" class="xl83" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">3725.78</td>
<td align="right" class="xl84" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">9.4</td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 940.00 </td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 2.58 </td>
<td class="xl85" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 9,612.52 </td>
<td class="xl85" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 107,256.72 </td>
<td align="right" class="xl87" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">$2.20</td>
<td align="right" class="xl88" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">9.61%</td>
<td align="right" class="xl89" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">10</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl79" height="20" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt; height: 15pt;">INGIX</td>
<td align="right" class="xl82" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: windowtext; font-family: Calibri, sans-serif; font-size: 10pt;">15.90</td>
<td align="right" class="xl83" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">6561.68</td>
<td align="right" class="xl84" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">2.7</td>
<td class="xl81" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
270.00 </td>
<td class="xl81" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
0.95 </td>
<td class="xl85" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
6,233.60 </td>
<td class="xl85" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
108,260.18 </td>
<td align="right" class="xl87" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">$1.30</td>
<td align="right" class="xl88" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">51.62%</td>
<td align="right" class="xl89" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">16</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl84" height="20" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt; height: 15pt;">RNPEX</td>
<td align="right" class="xl82" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: windowtext; font-family: Calibri, sans-serif; font-size: 10pt;">44.24</td>
<td align="right" class="xl83" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">2341.37</td>
<td align="right" class="xl84" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">8</td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 800.00 </td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 2.83 </td>
<td class="xl85" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 6,626.08 </td>
<td class="xl85" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 104,468.09 </td>
<td align="right" class="xl87" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">$2.25</td>
<td align="right" class="xl88" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">6.33%</td>
<td align="right" class="xl89" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">15</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl84" height="20" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt; height: 15pt;">IICIX</td>
<td align="right" class="xl82" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: windowtext; font-family: Calibri, sans-serif; font-size: 10pt;">10.40</td>
<td align="right" class="xl83" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">9532.89</td>
<td align="right" class="xl84" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">3.5</td>
<td class="xl81" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
350.00 </td>
<td class="xl81" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
0.18 </td>
<td class="xl85" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
1,715.92 </td>
<td class="xl85" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $
102,700.52 </td>
<td align="right" class="xl87" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">$0.32</td>
<td align="right" class="xl88" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">4.23%</td>
<td align="right" class="xl89" style="border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">58</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl84" height="20" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: 0.5pt solid rgb(142, 169, 219); border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt; height: 15pt;">VIIIX</td>
<td align="right" class="xl82" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); color: windowtext; font-family: Calibri, sans-serif; font-size: 10pt;">272.79</td>
<td align="right" class="xl83" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">382.54</td>
<td align="right" class="xl84" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">0.2</td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 20.00 </td>
<td class="xl81" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 3.30 </td>
<td class="xl85" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 1,262.38 </td>
<td class="xl85" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;"> $ 101,747.34 </td>
<td align="right" class="xl87" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">$4.62</td>
<td align="right" class="xl88" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">1.93%</td>
<td align="right" class="xl89" style="background: rgb(217, 225, 242); border-bottom: 0.5pt solid rgb(142, 169, 219); border-left: none; border-right: none; border-top: 0.5pt solid rgb(142, 169, 219); font-family: Calibri, sans-serif; font-size: 10pt;">79</td>
</tr>
</tbody></table>
<br />
<ol>
</ol>
<div>
The chart starts with the price of the fund. It assumes you have $100,000 invested and divides by share price to give the Number of Shares. Then fees are listed by %, and dollar amount based on your principle of $100K. The dividend per share amount is taken from Dividend tracker and used to calculate the annual dividend by taking the last years dividend amount multiplied by the number of shares. Then you can add your $100K + annual dividend - fee = value of your money. Of course you want the largest value, but it is not guaranteed. This is just a projection if all funds are analyzed equally. </div>
<div>
<br /></div>
<div>
I like to also consider the share price vs dividend ratio by dividing the share price by the last years dividend. The smaller number the better value. In fact that is the column I sort my chart by, the dividend ratio.</div>
<div>
<br /></div>
<div>
You will notice that just because a fund has a high fee does not mean it is the worst choice. It may have a high dividend and low share price to compensate for that and provide you with good value at the end of the year.</div>
<div>
<br /></div>
<div>
You will also notice that a low fee fund is not necessarily the best choice either. It may not provide good dividends or any dividends.<br />
<br />
Again, I remind you I am not a finance advisor and this is just an example of how I review choices to invest in.<br />
<br />
Good Luck!<br />
<br />
#money #invest #retire</div>
<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-89651821511011143752019-09-19T08:19:00.001-04:002019-09-19T12:00:33.163-04:00Subscribe to my Youtube channel<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-YE7ycn5lMFs/XYNzgc595zI/AAAAAAACuPQ/R2HOAxIiOKMH6R2Pf5wlICNXW3CERjCkACKgBGAsYHg/s1600/20190908_183436.mp4" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="180" src="https://1.bp.blogspot.com/-YE7ycn5lMFs/XYNzgc595zI/AAAAAAACuPQ/R2HOAxIiOKMH6R2Pf5wlICNXW3CERjCkACKgBGAsYHg/s320/20190908_183436.mp4" width="320" /></a></div>
Click HERE and <a href="https://youtu.be/9xm8OyEn9nA" target="_blank">subscribe to my Youtube </a>channel for occasional videos about travel, concerts, adventures, cruises, diy videos and animal experiences<br />
<br />
<a href="https://youtu.be/9xm8OyEn9nA">https://www.youtube.com/user/frugalapolis</a><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-21646266513542403962019-09-18T08:31:00.000-04:002019-09-18T08:31:14.473-04:00Bicycle Safety is No Accident<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-8_c-KJp0f-0/XYIjep9tLxI/AAAAAAACuMM/jXtrz6A_mlMP1Wq4tf4a2Rxjdwq-F2GqgCKgBGAsYHg/s1600/20190918_082549.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://1.bp.blogspot.com/-8_c-KJp0f-0/XYIjep9tLxI/AAAAAAACuMM/jXtrz6A_mlMP1Wq4tf4a2Rxjdwq-F2GqgCKgBGAsYHg/s320/20190918_082549.jpg" width="240" /></a></div>
Maybe its the warm weather. Maybe its the time of day. But, some days drivers on the road are more erratic than normal. Today was one of those days. In the dark, early calm morning. With my handy dandy <a href="https://amzn.to/2O6nDaU" target="_blank">rear view mirror</a>, I can tell when a driver spots me on my bike and speeds up to pass me before we come to a narrow area where there is definitely not enough room for a bicycle rider and a car, like a tight corner. I can also tell when a driver slows down to let me pass the situation (like today it was the garbage truck stopped in the oncoming lane).<br />
<br />
I always think about close calls on my bike because I read about motorcycle crashes and bicyclists who were killed every day in the paper. Another grim reminder of the tragedy of biking, is the white ghost bike that was installed on my routes deadliest turn off 56th Street & Harney last week. I've always told my DH that if I get killed on my bike its going to be at that fork in the road. Drivers are speeding along and there are no signs to yield or slow or stop, just pick a direction right or left. I need to go right, crossing the left road in front of potentially left going vehicles.<br />
<br />
Today the driver that tried to kill me was in a little red Kia or Corolla. I could tell they were going above the 25 mph speed limit and as I approached the downhill corner, I knew we both could not be there at the same time. So, I moved to the middle of the lane to capture my space so they didn't expect me to stay in the gutter to the right. That meant for them to pass me they went to the far left and then cut back in front of me, forcing me to the right into the gutter. Being the prudent biker, I moved aside rather than die.<br />
<br />
Riding a bike to commute is not for everyone. Cars speeding 55 mph inches away from me, can be a little unsettling. It is a safe and healthy activity, made dangerous because of the drivers. I'm a driver too, sometimes. I know its a hassle to stop for a biker or walker. But it matters.<br />
<br />
Here are some of the little things I do to help me stay safe on the road biking alongside traffic.<br />
<ul>
<li>Be Seen - wear hi vis <a href="https://amzn.to/2O7r696">yellow or orange shirts</a> or a <a href="https://amzn.to/2O5mf8i">safety vest</a>. I wear a vest with reflective stripes when it is dark too. <iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ss&ref=as_ss_li_til&ad_type=product_link&tracking_id=frugalapolis-20&language=en_US&marketplace=amazon&region=US&placement=B07D29C9BZ&asins=B07D29C9BZ&linkId=4e4b34563b45010c37629e9ea5a33387&show_border=true&link_opens_in_new_window=true" style="height: 240px; width: 120px;"></iframe></li>
<li>Use Lights and MORE lights - I have a small <a href="https://amzn.to/306rife">Knog bike light</a> that is super bright. It has a small rubber strap that clips on my front handlebar. It charges the battery with a regular USB plugin.<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ss&ref=as_ss_li_til&ad_type=product_link&tracking_id=frugalapolis-20&language=en_US&marketplace=amazon&region=US&placement=B01KLKOQTO&asins=B01KLKOQTO&linkId=df615aaa4d3f69bce20046b51b369457&show_border=true&link_opens_in_new_window=true" style="height: 240px; width: 120px;"></iframe></li>
<li>A super bright <a href="https://amzn.to/34UDAGW">back red light</a>. Its important to keep the batteries fresh on this one or the light is not quite so bright.<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ss&ref=as_ss_li_til&ad_type=product_link&tracking_id=frugalapolis-20&language=en_US&marketplace=amazon&region=US&placement=B000KBEH1W&asins=B000KBEH1W&linkId=ef67d69ea5dec130666435edc1b30bfe&show_border=true&link_opens_in_new_window=true" style="height: 240px; width: 120px;"></iframe></li>
</ul>
<ul>
<li>A <a href="https://amzn.to/32QqNnq" target="_blank">lumos Helmet</a> that has flashing front and back lights, and turn signals. I charge it once a week on my USB port of my laptop. <iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ss&ref=as_ss_li_til&ad_type=product_link&tracking_id=frugalapolis-20&language=en_US&marketplace=amazon&region=US&placement=B073348GV4&asins=B073348GV4&linkId=0327a8907f0bfd91ad3b03a34f027247&show_border=true&link_opens_in_new_window=true" style="height: 240px; width: 120px;"></iframe></li>
<li>A <a href="https://amzn.to/2O5ZP6T" target="_blank">rear view mirror</a> is critical to see whats coming up behind you, in the event you need to swerve into the lane of traffic to avoid a hazard such as dead animals, broken glass, piles of gravel, lumber debris or any other number of things that will impede your safe travels.<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ss&ref=as_ss_li_til&ad_type=product_link&tracking_id=frugalapolis-20&language=en_US&marketplace=amazon&region=US&placement=B07G5H2RSM&asins=B07G5H2RSM&linkId=cce76e239417abb0cb478db5b15bffe6&show_border=true&link_opens_in_new_window=true" style="height: 240px; width: 120px;"></iframe></li>
</ul>
If you use all these safety features, you'll be seen by drivers and hopefully they will be the courteous ones who share the road.<br /><ul>
</ul>
<div>
<br /></div>
<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-85553407175261418392019-09-11T11:11:00.000-04:002019-09-11T11:13:26.813-04:00Ten Years<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-IpPAGrjJ9F4/XXkOO3CKjbI/AAAAAAACtD8/knIbISMjwFsNjdJTC1NxWQxhYacX6qlmwCKgBGAsYHg/s1600/20190824_110914.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://1.bp.blogspot.com/-IpPAGrjJ9F4/XXkOO3CKjbI/AAAAAAACtD8/knIbISMjwFsNjdJTC1NxWQxhYacX6qlmwCKgBGAsYHg/s400/20190824_110914.jpg" width="300" /></a></div>
It's been ten years since I created this place of mine on the internet. Unfortunately, I have not dedicated the effort it takes for a blog to be profitable and support my life style and quit my day job. I'm still toiling away at my government job, and still dreaming of being able to quit. So, I've decided to rearrange the leisure activities in my life, notably reading and replace it with writing and promoting my blog. <br />
<br />
<br />
Having a blog is not simply writing 500 words and clicking send. There are lots of details to get it out there where people will read it. It means sharing on social media sites, responding to comments, and in general engaging with others on the internet. It's tedious, and not always productive. However, I want to give it a try. There are lots of tools to automate posting and sharing.<br />
<br />
<br />
I'm thinking that my focus will be frugal living, and also adding the perspective from a senior (now that I'm over 55) and preparing for retirement. Not necessarily early retirement like all the FIRE (Financial Independence, Retire Early) people out there, but just regular old retirement for regular people.<br />
<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-54536663508088773562019-07-11T07:47:00.001-04:002019-07-11T07:47:20.581-04:002nd Qtr 2019 Mileage Report<div class="separator" style="clear: both; text-align: center;">
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<a href="https://1.bp.blogspot.com/-PmLYnKdJHvs/XRwKdJjKbwI/AAAAAAAClAM/DeXn02OOZlMqqcEvqGxfGuFjriFutcvJgCKgBGAs/s1600/Busch%2BGardens%2BTampa%2BBay" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://1.bp.blogspot.com/-PmLYnKdJHvs/XRwKdJjKbwI/AAAAAAAClAM/DeXn02OOZlMqqcEvqGxfGuFjriFutcvJgCKgBGAs/s400/Busch%2BGardens%2BTampa%2BBay" width="300" /></a></div>
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I know the orangatan doesn't have anything to do with mileage, but thats the new rollercoaster Tigris in the background. Typical mileage this past quarter as we continue to use the motorcycles sparingly. The majority of our travel is in the new minivan at close to 70%. My biking to work is the other major part of the commuting with 20% of the miles traveled. We have not gone on any trips this past quarter as we are saving our leave time for our big transatlantic cruise in the fall.</div>
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<a href="https://1.bp.blogspot.com/-3F_gXuE33mI/XRwKHiwircI/AAAAAAAClAI/2Rb4oapSZooU_mDxrapkoux57NBr9RQ_wCEwYBhgL/s1600/mileage070119.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="269" data-original-width="850" height="126" src="https://1.bp.blogspot.com/-3F_gXuE33mI/XRwKHiwircI/AAAAAAAClAI/2Rb4oapSZooU_mDxrapkoux57NBr9RQ_wCEwYBhgL/s400/mileage070119.png" width="400" /></a></div>
<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-30949360814638145882019-03-28T07:53:00.001-04:002019-03-28T07:53:30.680-04:002019 Rays Baseball 10 strikeouts Promotion<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-GjvE1_TvCSI/TDRmf9kvccI/AAAAAAAACC8/uMxpxofXakAWVWEqIpaELQKroeUx2eEPQCPcBGAYYCw/s1600/rays-727122.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="361" data-original-width="460" src="https://4.bp.blogspot.com/-GjvE1_TvCSI/TDRmf9kvccI/AAAAAAAACC8/uMxpxofXakAWVWEqIpaELQKroeUx2eEPQCPcBGAYYCw/s1600/rays-727122.jpg" /></a></div>
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<div style="border-image: none;">
<span style="color: black;">Well the Kanes 10 strikeouts is back, but they've tightened up the rules. No more stockpiling of the taco meals. </span></div>
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<span style="color: black;"><br /></span></div>
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<span style="color: black;">If the Tampa Bay Rays get 10 or more strikeouts, you'll get 1 FREE taco, chips & a medium fountain drink from a participating TIJUANA FLATS. Participating locations: Tampa, St. Petersburg, Ft. Myers, Naples, Orlando, Daytona, Gainsville & Ocala Florida Markets. No purchase necessary. </span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEgVNEguclUTQvDljqe9XVYa6ymCRqfXEbO76beL5IkhN8fgwGJX_yoDiBZjHEIfrGAJS16YNxc5Hjq4jGhxpIXVmzuJlOdqRJhnIy-G_I16NY-0TV2SOEU3I-SJ0sGvdtMkm_S5Mf01g/s1600/tampabayrays-790729.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="350" data-original-width="353" height="317" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEgVNEguclUTQvDljqe9XVYa6ymCRqfXEbO76beL5IkhN8fgwGJX_yoDiBZjHEIfrGAJS16YNxc5Hjq4jGhxpIXVmzuJlOdqRJhnIy-G_I16NY-0TV2SOEU3I-SJ0sGvdtMkm_S5Mf01g/s320/tampabayrays-790729.jpg" width="320" /></a></div>
<div style="border-image: none;">
<span style="color: black;"><strong><span style="color: red;">WITHIN 3 DAYS</span></strong> of the 10 strikeout <strong>home game</strong>, bring in one of these qualifying items to any Kane's Showroom and get a FREE Tijuana Flats coupon:<br /><span style="color: black;"><strong>- </strong>Ticket Stub<br /><strong>- </strong>Seat Locator Receipt (for Flex Pack Cardholders)<br /><strong>- </strong>Web voucher from www.KanesStrikeOut.com (printed or on phone) </span></span></div>
<div style="text-align: center;">
<span style="color: black;">Visit <a href="http://www.kanesstrikeout.com/">http://www.kanesstrikeout.com/</a></span></div>
<div style="text-align: left;">
<span style="color: black;"><br /> IMPORTANT: Limit one coupon per person, per web voucher, per game. For seat locator receipt or ticket stubs, you may receive up to (4) coupons given that all seats are together. You must be 18 years of age & you must redeem your ticket stub/receipt/web voucher at Kane’s within <strong><span style="color: red;">3</span></strong> days of the 10 strikeout home game date. No purchase necessary. Participating Florida locations, see coupon for details.</span></div>
<br /><strong>TIJUANA FLATS COUPON MUST BE USED WITHIN 7 DAYS OF DATE STAMPED.</strong><br />
<strong><br /></strong><br />
<strong>#Baseball #Kanes #Rays #Free #TijuanaFlats #Freetaco #Tampa #Promotion</strong><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-13975101212153553282019-02-14T10:15:00.000-05:002019-02-14T10:15:08.128-05:00Frugal Florida State Fair<div align="left" class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-Cra89_VhYxs/XGQwVVBtWaI/AAAAAAACgJI/tTrJRMAukUI3YuRMwmb5YVHngbETNkuXACKgBGAs/s1600/20190212_145807.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://1.bp.blogspot.com/-Cra89_VhYxs/XGQwVVBtWaI/AAAAAAACgJI/tTrJRMAukUI3YuRMwmb5YVHngbETNkuXACKgBGAs/s400/20190212_145807.jpg" width="300" /></a></div>
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This year the Florida State Fair in Tampa, FL had a bargain day for us frugal folks. It was $2 after 2 pm, plus selected rides were $2 and most food vendors offered an item of their menu for $2. There were $2 cheese curds (from Wisconsin), hotdogs, corn dogs, sautéed mushrooms, lemonade, cheese fries, water, pizza and veggie pita. We still spent over twenty bucks but it was actually nice to just get a sample size of something. Definitely a diet buster day.</div>
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I started out back near the Equestrian center to see the Moto Maniac show, and happened by the #FairClysdales. These beautiful horses are having a nice time in Florida where amazingly it was an 80F day. And Sunny. Too bad for the rest of the nation where weather pretty much is typical winter.<br />
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<a href="https://1.bp.blogspot.com/-Q7d7r6eJM4I/XGQwVUNyTeI/AAAAAAACgJI/iWjGJ1cYKFcjBxlssNCgk9nIHc8ruhRBwCKgBGAs/s1600/20190212_150209.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://1.bp.blogspot.com/-Q7d7r6eJM4I/XGQwVUNyTeI/AAAAAAACgJI/iWjGJ1cYKFcjBxlssNCgk9nIHc8ruhRBwCKgBGAs/s400/20190212_150209.jpg" width="400" /></a></div>
The ferris wheel<br />
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<a href="https://3.bp.blogspot.com/-Js1D3x-kG3g/XGQwVcg0nNI/AAAAAAACgJI/bxzGtT6ZX_8ngMDYhS6pfA2d9PmIeN-QgCKgBGAs/s1600/20190212_152431.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://3.bp.blogspot.com/-Js1D3x-kG3g/XGQwVcg0nNI/AAAAAAACgJI/bxzGtT6ZX_8ngMDYhS6pfA2d9PmIeN-QgCKgBGAs/s400/20190212_152431.jpg" width="300" /></a></div>
The Lady Houdini was impressive, she stayed in that tank for 2 minutes unlocking locks and chains and padlocks while submerged in water. <br />
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<a href="https://2.bp.blogspot.com/-GBMta3aAZ7E/XGQwVd7I3CI/AAAAAAACgJI/Y62QbAT6pj0bXUQoQ7yNg4CUM-_6_yxXgCKgBGAs/s1600/20190212_155202.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://2.bp.blogspot.com/-GBMta3aAZ7E/XGQwVd7I3CI/AAAAAAACgJI/Y62QbAT6pj0bXUQoQ7yNg4CUM-_6_yxXgCKgBGAs/s400/20190212_155202.jpg" width="300" /></a></div>
The Zaji #amazingacrobats was my favorite show, There was lots of activity, skill and fun.<br />
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<a href="https://3.bp.blogspot.com/-1YIGgrCbtlk/XGQwVXTiw6I/AAAAAAACgJI/axR65KTdmEknYsWRN1qsWOvH4sZUx58pwCKgBGAs/s1600/20190212_163740.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://3.bp.blogspot.com/-1YIGgrCbtlk/XGQwVXTiw6I/AAAAAAACgJI/axR65KTdmEknYsWRN1qsWOvH4sZUx58pwCKgBGAs/s400/20190212_163740.jpg" width="300" /></a></div>
Plate twirling - not a single plate toppled.<br />
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<a href="https://1.bp.blogspot.com/-g6LzIFP2ce0/XGQwVR2xrgI/AAAAAAACgJI/ow-mnNlhGQsZAAx6Fb-1Wo1bASh8ZEykgCKgBGAs/s1600/20190212_164455.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://1.bp.blogspot.com/-g6LzIFP2ce0/XGQwVR2xrgI/AAAAAAACgJI/ow-mnNlhGQsZAAx6Fb-1Wo1bASh8ZEykgCKgBGAs/s400/20190212_164455.jpg" width="400" /></a></div>
Amazing to watch 11 people climb on this bike while one dude was riding it.<br />
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<a href="https://4.bp.blogspot.com/-OnSALpNKf6I/XGQwVUYNDTI/AAAAAAACgJI/uKR1_VOn_qEwNCvVITON-0YkxaQH81jPwCKgBGAs/s1600/20190212_170025.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://4.bp.blogspot.com/-OnSALpNKf6I/XGQwVUYNDTI/AAAAAAACgJI/uKR1_VOn_qEwNCvVITON-0YkxaQH81jPwCKgBGAs/s400/20190212_170025.jpg" width="300" /></a></div>
The circus has changed over the years, no more dogs, elephants or horses. The only animal act is the camels walking in circles, no riders. Still entertaining show though.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8JeLJLhQooeFvtDcHmOjJuQfbbpbX-hXuJAHwMUb5zlohTvpnt1el7feg7SGk5mYODazhEaZnibpR0_Vgd13SsiHsQcgBW3hPjusN2u-ZXzVyozOlYYUmuGMGGTspUhBmcVZPU-Dv5MM/s1600/20190212_174532.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8JeLJLhQooeFvtDcHmOjJuQfbbpbX-hXuJAHwMUb5zlohTvpnt1el7feg7SGk5mYODazhEaZnibpR0_Vgd13SsiHsQcgBW3hPjusN2u-ZXzVyozOlYYUmuGMGGTspUhBmcVZPU-Dv5MM/s400/20190212_174532.jpg" width="400" /></a></div>
All these aerial performers do their acts without nets or safety lines. Quite scary.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhahnfAIP4_sjOuGRpyIVuq-sqxwH4Ax47M_8t34gN9kSjKvIale91aySlm1WjpytqobH81mIZtSqKrGKOL2kVxRJMMAqc86r6fGl3-hzHNkhCsCit2q8wJKHJZEWCdUyktquw9tsjqdMw/s1600/20190212_175507.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhahnfAIP4_sjOuGRpyIVuq-sqxwH4Ax47M_8t34gN9kSjKvIale91aySlm1WjpytqobH81mIZtSqKrGKOL2kVxRJMMAqc86r6fGl3-hzHNkhCsCit2q8wJKHJZEWCdUyktquw9tsjqdMw/s400/20190212_175507.jpg" width="300" /></a></div>
The Clydsdales friendly pet, Bud<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuxqakQ3h0289Veuy5wPmjKuOEbhqgIFYKCw06NGDP70cfAlOpbhYo8-sDyo7uxdBsq85IdeAekJoE8N8iKuoUi-KCYUvJV017eIWD0aHf4C99bk0F2X00rd9VK8HkIbIlqVX4KdBap8E/s1600/20190212_144344.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuxqakQ3h0289Veuy5wPmjKuOEbhqgIFYKCw06NGDP70cfAlOpbhYo8-sDyo7uxdBsq85IdeAekJoE8N8iKuoUi-KCYUvJV017eIWD0aHf4C99bk0F2X00rd9VK8HkIbIlqVX4KdBap8E/s400/20190212_144344.jpg" width="400" /></a></div>
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Night time for the horses, the handlers were taking out all the braids in their manes and tails.</div>
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<a href="https://2.bp.blogspot.com/-0F_J_KplXYM/XGQwVWX24HI/AAAAAAACgJI/PrJqA3Jp5w4OPPgPNW-XNH-UxGr4Sj5jACKgBGAs/s1600/20190212_184418.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="300" src="https://2.bp.blogspot.com/-0F_J_KplXYM/XGQwVWX24HI/AAAAAAACgJI/PrJqA3Jp5w4OPPgPNW-XNH-UxGr4Sj5jACKgBGAs/s400/20190212_184418.jpg" width="400" /></a></div>
Bello Nock and his kids performed, includes being shot out a cannon over a running helicopter.<br />
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The beautiful ferris wheel at night, changing colors<br />
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<a href="https://2.bp.blogspot.com/-yEI9h1AIF-o/XGQwVf6jmoI/AAAAAAACgJI/mM6W5lXTnQkgbu7MJ3LLqmR3M0sfpD2TACKgBGAs/s1600/20190212_194535.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://2.bp.blogspot.com/-yEI9h1AIF-o/XGQwVf6jmoI/AAAAAAACgJI/mM6W5lXTnQkgbu7MJ3LLqmR3M0sfpD2TACKgBGAs/s400/20190212_194535.jpg" width="300" /></a></div>
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Not quite as good as the Minnesota state fair, but worth going to. The Florida state fair really is missing out on sponsorship and local participation. The difference from a Midwest state fair is that there are no give aways of bags and junk. They could add local radio station booths, TV broadcasts, local celebritys, local companies like Publix, Hospitals, Sporting Teams, Tourists destinations, Busch Gardenss, Disney, colleges, local police and sheriff agencies. There is very little corporate involvement, other than the Fl Dept of Ag. There is so much opportunity here.</div>
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-32963931628262881792019-02-13T09:49:00.000-05:002019-04-19T10:59:46.174-04:00How to Free Yourself From a Lifetime of Clutter<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-RSBuML6uoh4/XAFexpbJgoI/AAAAAAACcAA/atdzwRXb5uQREALrD1eOqHxZ76k0PcKzQCKgBGAs/s1600/20181129_171429.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="900" height="400" src="https://3.bp.blogspot.com/-RSBuML6uoh4/XAFexpbJgoI/AAAAAAACcAA/atdzwRXb5uQREALrD1eOqHxZ76k0PcKzQCKgBGAs/s400/20181129_171429.jpg" width="225"></a></div>
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I know this sounds like a morbid topic, <a href="https://amzn.to/2SkCKw2">Death Cleaning</a> but it's an important one. Its the process of freeing yourself and your family from a lifetime of clutter. This past year our beloved neighbor lady who treated my DH and I like her children, passed away. She had invited us to holiday meals with her family for the past twenty five years and we helped with small tasks around the house like taking out her garbage weekly. She lived a fabulous life and passed away peacefully in an afternoon nap. No pain or financial debt occurred which was a blessing.</div>
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However, the pain would come in the death cleaning of her lifetime home. When her husband died eight years ago, some things were given away to family, some things donated or sold second hand, and some things just thrown away. But the majority of their possessions remained in the home until she died.</div>
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The process of death cleaning in this particular home took less than 100 days due to the daily diligence of her daughter in law (DIL). The DIL already had experienced the death of her husband eleven years earlier, and performed a death cleaning there to move into a different home. I wasn't very involved in the death cleaning of the neighbors home, but we did help a little. We acquired the outside plants, one of which is the beautiful orchid pictured above, which is blooming now in November.</div>
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Seeing the process of the dismantling of a life history is sad. After her death, the family went through the house and tagged items they wanted with postit notes. The DIL went through every cabinet and drawer and closet and organized like items together. Obvious junk was discarded in the trash. Furniture and clothing was donated or sold in an estate sale. Expensive items, antiques and collectables were sold on Facebook, Craigslist and Ebay by the DIL. I don't know if Charities were involved, but they will take household items and pick them up. Some photo memories were kept and stored with one of the family. I scanned over a hundred photos and shared w flash drive and online cloud account with the family members. The automobile was over 20 years old and was sold for a small amount. The house had some code violations so it was sold undervalued to an investor. </div>
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I just read the book <a href="https://amzn.to/2SkCKw2">The Gentle Art of Swedish Death Cleaning</a> and it makes me want to do a death cleaning next year. A death cleaning is something you can do many times in your life to help lessen the burden of your death on your family or executor. The guiding question to ask when Death Cleaning, it "<strong>Will anyone be happier if I save this</strong>"? Even if you think you will live many more years, it is never too soon to be prepared for death. If you are over 60, and don't live near family or grandkids, it is time for a death cleaning.</div>
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Here is a list of things you can do to help others deal with your demise after your death:</div>
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Create a document with a listing or flowchart of all your finances. Where do you have checking accounts, savings accounts, IRA's, savings bonds, investments, etc. Include a list of all your credit cards and which ones are used to autopay bills (cell phone, television, electric, utilities, car payment, Netflix, etc). List your employer ID, your 401K provider. This is a working document that you need to keep updated for the rest of your life. I suggest using Microsoft Excel and make it a spreadsheet.</div>
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Create a document with all your online accounts, your email signon and the password. At least do this for all accounts that have anything to do with money or subscriptions. Include a list of all your email addresses, social media accounts, banking and vendors that have your credit cards. This also is a working document you need to keep updated. This one is helpful to keep on the cloud.</div>
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Create a Will or Trust, and Medical Directive, and designate a Power of Attorney. List your life insurance policies here too. Keep these where they can be found upon disabling injury, illness or death. Scan this to the cloud, but keep originals in a desk drawer, not locked up.</div>
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Designate a beneficiary for all your investments and note it on your finance document. These will not have to go through probate after your death. You can do this online for most accounts.</div>
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If you have joint finances with a partner, be sure they know where to start with closing accounts and gathering documents. Show them your finance and online account documents and ask if they understand it. If they are not able to operate a computer, agree on a friend or relative who can help with this.</div>
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Start with items stored in the closets, basement, garage, sheds, etc. Tell friends and family you're cleaning and getting rid of clutter in case they want anything you have. Even if you aren't ready to get rid of something now, you can tag it for them to get after you die.</div>
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Make a list of your personal items that have value or you know someone who would appreciate having them. If the item is in a drawer or box, create a tag and write "For XX upon my death" and affix it to the item. You could also take a picture of the item and assemble a document for item distribution upon your death. This could be an appendix to your Will.</div>
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If you have items that you haven't used in a couple of years, or since you last moved, or don't fit now - consider gifting, donating or selling them now. Why leave them for later when you're pretty sure you won't use them the rest of your life now. If you won't get rid of it now, and the item has value - at least take a nice photo of it to use in an ad to sell the item in the future. </div>
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If you have photograph prints, these can take a long time to determine what to do. I would suggest scanning the best memories to your cloud storage if you have a scanner. If not send them to the family members who would appreciate them. If they are of your vacation memories and you can't scan to cloud, your best option is to do nothing or trash now. They will get trashed upon your death.</div>
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If you never have guests eat at your home, and its just you and your partner - you can clean out your kitchen and pantry. Get rid of expired foods or items you no longer consume. You only need less than a dozen each of bowls, dishes, and coffee cups. Get rid of the fancy China set. Get rid of the gravy bowl. Get rid of the frying pans you no longer use that the nonstick is worn off anyway. Get rid of the roaster, crockpot, blender you never use.</div>
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If you have a pet, make plans for its care upon your death. Make a box where you keep all the pets vet information, medications, toys, personal care items and leashes and collars. In this box, have a document that outlines what to do with the pet upon your death.</div>
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5ea8031eff8076b2ad2597b6daad3112fa728e919fad5147a1<br></div>
<br><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-3420502825103315789.post-72497127287461572532018-11-21T12:13:00.000-05:002018-11-21T12:13:29.634-05:00What Possibly Could Go Wrong? Our Toyota Sienna Service Experience<br />
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<a href="https://2.bp.blogspot.com/-kBYLc9_DNJI/W_VvKEy72bI/AAAAAAACbpU/vK_UHpfI2XMvUXfM1HESN5yhAG8TB2OxACLcBGAs/s1600/20181113_vancowl.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="512" data-original-width="512" height="400" src="https://2.bp.blogspot.com/-kBYLc9_DNJI/W_VvKEy72bI/AAAAAAACbpU/vK_UHpfI2XMvUXfM1HESN5yhAG8TB2OxACLcBGAs/s400/20181113_vancowl.jpg" width="400" /></a></div>
<span style="font-family: "calibri";">It started when I noticed that small piece of plastic sticking
out of the front windshield of the Sienna van. We took a picture of it. I said
to DH we can just fix it with some<a href="https://amzn.to/2DPVyjU" target="_blank"> sugru</a>. He said no, I want Toyota to fix it.
This shouldn’t happen to a new van. I didn’t want to deal with the drama of
going to the car dealer for something so incidental. It’s not like you can just
drive in and show them the defect and they say, oh we have that part, let me
pop it in place. No, that would be too simple. It’s going to involve calling and
not being able to reach anyone who can actually do anything.</span></div>
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<span style="font-family: "calibri";">So, DH calls to find out what to do. Courtesy Toyota tells
us to bring in the van for a look see. He asks can I email you a picture to
avoid that trip to the dealer? No, they reply – a certified technician needs to
inspect it to determine if it’s a warranty defect. So, we make an appointment on
Saturday afternoon when we were kind of in the area on our way to another
event. We stop by at our appt time, and the service advisor who we had an appt
with has already gone for the day. Strike 1. The nice guy Kevin, helped us
anyway and just took a picture of the defect, filled out a service request form
and we were on our way in 5 minutes. That met my expectations. Ball 1. The dude
said he didn’t know if they had the part, but if they had to order it in, it
could be there in two or three days. </span></div>
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<span style="font-family: "calibri";">It’s Monday morning and DH gets a call from the original
Service Advisor, Angie. She can’t find our van key. DH is confused. We have the
van, we’re waiting to hear when part is in. Oh, She says, we<span style="mso-spacerun: yes;"> </span>have the part. Ball 2. DH is like okay, lets
do this. Make it tomorrow Tuesday. He talks me into foregoing my biking to
work, so I have to drive the van to work and drop it off at lunch at the
dealer. Get a shuttle ride back to work, then uber back to dealer to pick up
van at the end of workday. Quite the hassle if you ask me, when I could have
fixed it with a pinch of <a href="https://amzn.to/2DPVyjU">sugru</a>.</span></div>
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<span style="font-family: "calibri";">Tuesday I drive the van, for about the 5<sup><span style="font-size: x-small;">th</span></sup> time
since we’ve had its since January 2018. I just don’t drive much. Actually, I prefer the old Camry –
don’t have to worry about dinging it up, not that I do. But, I digress. I get
to the dealer and drive into the service bay where its crowded with about ten
other cars. I get out and nobody approaches me by the van. <span style="mso-spacerun: yes;"> </span>So, I go into office and the cashier tells me the service advisor
Angie is around but she doesn’t know where, and tells me to just wait by my vehicle
and someone will help me. When I get out there again, more people have arrived
behind me. The service advisors are buzzing around directing cars in and out,
writing on their clipboards and greeting others, including the guy who drove up
behind me. But there I stand solitary. Looking around helplessly. Finally, a
dude comes up and puts a plastic number hat on the hood of the car. Number 2. Five more
minutes go by, cars are leaving the service area. The dude switches out my
number to number 1. Goodie, maybe I’m next. Nope, the dude behind me is walking
back with a service advisor and is exchanging information and getting his form on
his clipboard filled out. I’m starting to get upset now, its been over 10
minutes. I start my yoga breathing to calm down. Breathe deep. Now another
advisor is walking up to me, asks how I am. I’m pissy now. I tell him this is
pretty unorganized here. Strike 2. He apologizes. Asks how he can help me. I show
him the defect and explain that Angie has the part ready to install today, I’m
dropping off van for replacement and I need a shuttle ride back to work, and I’ll
pick it up after four pm. He’s quick and efficient as he fills out his form on
the clipboard, and I tell him to call DH when its ready since that’s the phone
number they have already (I don’t want to confuse them with too many different
numbers). </span></div>
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<div style="margin: 0in 0in 8pt;">
<span style="font-family: "calibri";">Now its been over a half hour since I left work and I’m
hating this stupid errand. I tell the cashier I need a shuttle ride five miles
back to my office. She says the two drivers are out and there are three people
ahead of me. It might be a while. So, now I have to yoga breathe again. I’m not
sure if I should just Uber back to work (it will only cost me $1.24 since I
have a $10 credit on Uber), but then I have to get back here later to pick up
the van. So, I call DH. Tell him I’m at the dealer and waiting for shuttle. He
can tell I’m upset. He asked if I talked to Angie. No, I didn’t. But I can see
her through the window, she’s at her desk now. DH tells me he wants to talk to
her. So, I go in there to her, ask if she’s Angie, she says yes, and I identify
my self as Ms. Andrews and the Sienna. She remembered the discussion with DH and
then I said "he wants to talk to you", handing her my phone. DH says to Angie “What’s
going on there? My wife is upset". Angie assures DH that she has the clipboard and
the van will be ready later. Not really sure what else was said, but Angie says
to me “Well, we'll just get you a loaner car”. I’m surprised by this, but totally cool
with it. So, she hands me back the phone, I tell DH "I’m getting a loaner,
gotta go". Grounder, First Base. </span><br />
<span style="font-family: "calibri";"><br /></span><br />
<span style="font-family: "calibri";">I go to the rental car window and wait behind
the guy who pulled up behind me and was served first and now see him getting a
comp loaner too! Is it because he has a tie on, he got served before me? He
didn’t have any expensive car, it was a little one, maybe a Scion or something.
Maybe he has a personal relationship with the service advisor and when he
pulled up he knew to just his guy hook him up quick. Anyway, it didn’t sit well
with me. You know how sometimes, some places a guy gets better service than a
girl? I felt the female discrimination factor was slipping in here at this dealer.
I dreaded coming back. </span></div>
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<span style="font-family: "calibri";">Its been at least an hour now, but I drive away in a shitty
little Corolla. It was a new car with only a few thousand miles on it, but
compared to the van, it was a shitty car. I call DH after getting back to the
office and tell him I dread going back. He offers to come to my office after work
and switch out the car, and drive the rental to the dealer to pick up the van. I
readily agreed. </span></div>
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<span style="font-family: "calibri";">I’m so relieved to be home after a stressful day with the
stupid dealer. DH is not home yet, so I call and he answers; he’s still at the
dealer. I ask "What’s happening there?" He is in the middle of a pow wow with the
service advisor Angie and two of her managers. The technician fucked up.<span style="mso-spacerun: yes;"> </span>And the service advisor fucked up. DH had
turned in the rental, got in the van and was about to drive out when he glanced
over and noticed the defective piece of plastic was still sticking up on the
passenger side. Strike 3. Out.</span></div>
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<span style="font-family: "calibri";">There were no moving parts, and the van didn’t need a lift
or any service that would require a master, genius tech. No. I think they
probably put their least experienced guy on the job. The tech replaced the
piece on the wrong side of the van. He took off a perfectly good piece of cowling,
and replaced it. The bad one – still there. </span></div>
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<span style="font-family: "calibri";">DH gets out and calls over Angie. He is mad. How did this happen?
She looks at the work order to see who did the work. She tracks down the technician
and starts talking to him like he screwed up. He glances over at DH and says “I
don’t have to listen to this” and walks away. DH tells Angie he needs to speak
to her supervisor. She goes into one of the offices and starts talking to two
guys, while DH stands outside looking in. He hates when staff people try to
explain away problems to their bosses instead of letting him speak directly to
the boss. He is mad, but a calm mad. He decided he needed to be heard,
so he joined the little trio whether they wanted him to or not. They were in spin
control now. </span></div>
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<span style="font-family: "calibri";">DH says “In case you can’t tell gentlemen, I am livid.” They
could tell. “This is not the first screw up at your dealer. This sort of stuff
happens every time I come here for service. I learn from past situations, and try to clarify my
expectations before bad things happen, but that didn’t help this time. I want
you to fix the defect and have your best guy do it. I don’t want to see any damage
on my new vehicle from repeated attempts at the repair.” The repair on the driver
side was noticeable, there was glue visible. The discussion continued, and they
determined they have the parts in stock to replace both sides of the cowl.</span></div>
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<span style="font-family: "calibri";">Now for the CYA, please give me a five star review show. The managers tried to be all friendly and started throwing
perks at DH. We’ll wash the van. We'll detail it. And we'll fill it up with gas. Plus we’ll let
you have the loaner overnight, and we’ll deliver the completed vehicle to your
wife’s office so you don’t have to come back again. How bout that? Angie says, will that get me a five star review?</span></div>
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<span style="font-family: "calibri";">Wednesday the van should be ready. DH calls the dealer to
confirm the deal – clean it up, fix the defect and deliver it to my office.
Supposed to happen before noon, and it does. Pretty anti climatic ending, the driver manages to find the office and park the van. It sparkles in the sun, cleanest its been since we bought it. The molding looks good, both sides. We switch keys, I point to the loaner car. He opens it, but then decides to have a smoke and watch the horses in the pasture a minute, enjoying the beautiful day. Then he's off like a thief in the night, speeding through the parking lot. I hope that's the end of Toyota in my life. At least until the van gets to ten thousand miles. Next year.</span></div>
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<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comCourtesy Toyota, Brandon, FL 33510, USA27.941452756553261 -82.2839609039059527.88534175655326 -82.364641903905948 27.997563756553262 -82.203279903905951tag:blogger.com,1999:blog-3420502825103315789.post-90496844946481801362018-11-04T10:00:00.000-05:002018-11-04T11:43:18.474-05:00Adventure OTS Day 12 At Sea - Golf and FlowriderNice day on the decks. Partly cloudy, 24C (72F) with 8 ft seas, 23 mph winds. We had to make some last minute changes to our rental car in Port Canaveral the next day because RCL decided everyone disembarking had to do it by 9am. We were getting off the ship a day early in Port Canaveral, rather than going on to Ft Lauderdale to save ourselves from a 5 hour drive home on Sunday.<br />
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After making arrangements we decided to head up to the sports deck and join the mini golf tournament. I didn't do so well, but with practice became better. Scott got a hole in one. <br />
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After the mini golf we watched people on the Flowrider, a simulated surf. Mark decided he would try after watching some others, and figuring he might not get another chance. The flowriders are only on bigger ships, and there were no kids on this cruise so it was a good choice.</div>
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Mark, Scott & Marie watching the flowrider</div>
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Mark getting ready to try it again</div>
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Mark really made it look hard</div>
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Here's a live video of his first effort</div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dz7zBN4pbZasTSdbgRhrgQlkAMjaBK0OdgQ0lsp_TDEgFZgshbKBCE-zJ3hXpVUycDl9P6ASfV9Hgkz5HYVzQ' class='b-hbp-video b-uploaded' frameborder='0'></iframe></div>
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Later in the day we met up with Wes & Karen from Victoria, BC in the Blue Moon during the happy hour.</div>
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The concierge had a special performance in the Diamond Lounge of juggling bartenders and special martini drinks. They also had the izumi chefs there to present platters of sushi and special appetizers.</div>
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Ended the day at the Quest game held in Studio B.</div>
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Well, that's it for our repositioning cruise. We settled up our account, paid our tips in cash to the staff who took care of us and packed up our stuff. We'll be back on another short Thanksgiving cruise for our 26th anniversary at the end of the month.</div>
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comPort Canaveral, FL 32920, USA28.4103506 -80.618815628.382418100000002 -80.6591561 28.4382831 -80.5784751tag:blogger.com,1999:blog-3420502825103315789.post-7633531412631442012018-11-03T09:52:00.000-04:002018-11-03T09:52:13.583-04:00Adventure OTS Day 11 _ At Sea SkatingWoke up to an overcast day, partly cloudy with chance of showers with cool temps 16C (61F) with winds 35 mph, seas at 8ft. The ship had a small swagger to it, or maybe that just me walking the hallways as if I'd been drinking already. Nothing too bad, just a subtle shimmy like riding on a train. <br />
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Breakfast in the windjammer, one of the servers Funjei.<br />
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We were invited to a backstage tour of the skating Studio B. It was pretty unorganized but what else did we have to do? Packing? We did get to see the mini Zamboni they use to prepare the ice.</div>
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The skaters have to buy their own skates at $1200 for the boots, and the blades are another $300.</div>
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We decided to try our own ice skating and managed to have fun and not kill ourselves, Scott and I didn't even fall. We pretty much had the rink to ourselves. Mark on the other hand was another story.</div>
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Dinner again, we had such a great time with these people.</div>
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Production Showtime was "Can't Stop the Rock" staring the singers and dancers.</div>
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Distance traveled 2,446 nm<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comPort Canaveral, FL 32920, USA28.4103506 -80.618815628.382418100000002 -80.6591561 28.4382831 -80.5784751tag:blogger.com,1999:blog-3420502825103315789.post-43374646389752141602018-11-02T10:00:00.000-04:002018-11-02T10:00:06.368-04:00Adventure OTS cruise, Boston, Massachusetts Day 10Today our port of call was Boston, MA from 7am to 4:30 pm. It was mostly sunny, 14C (57F) with 25 mph winds. We were biking to Quincy Market area and going on a duck boat tour of the city. The duck boat cost $40 each.<br />
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The Cheers bar in the TV show.<br />
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A government building<br />
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They asked if anyone wanted to drive the duck boat in the Charles River and of course Scott did.<br />
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I decided I should drive too, when would I ever get the chance again?<br />
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A really old church. We toured all over the city for an hour - Beacon Hill, the Aquarium, Quincy Market, Granary Burying Ground, Boston Common, MIT, MOSI, and more. <br />
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Kilted Colin was a street performer in Quincy Market, he juggled and rode the unicycle while playing the bagpipes. Right at noon he wrapped up and another performer moved in. It is expensive to get permits to perform there, but they must do alright with the tips.<br />
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The Granary Burying Ground where many historical figures are buried including Sam Adams. Boston has many historical sites they have preserved in the city, they can be toured on foot by following the Freedom Trail.<br />
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The city of Boston has great roads for bikers with marked lanes on the inside of parked cars. They were painting the bike lane green they day we were there. The drivers in the city are mean though. Boston does have a share bike program called Blue Bikes, they are $10 for unlimited 24 hour use for 2 hour periods. Use the app to check in and out. We'll do that next time.<br />
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After biking on our way back to the ship, we ran into our friends Mark and Jan on their way to have lunch. We stopped to join them at Legal Seafood on the water near the ship. They had spent the day with friends who live in Boston.<br />
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Sailaway was interesting because we were tucked in a port and needed to back out quite a distance. It was definitely one of the trickier moves by the Captain. Approaching rain showers in the distance.<br />
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Mark and Marie watching sail away from the Diamond Lounge<br />
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Fort Independence on Castle Island, one of a number of forts that protected the city of Boston.<br />
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Kevin Johnson, ventriloquist with Clyde and Matilda was the headliner show for the evening. We remembered him from Summer Nights at Busch Gardens in 2008 and were excited to see him again. We skipped dinner in the MDR so we could see both shows at 7pm and 9pm. We ate in the windjammer which was the only night we did that, but it was really good. Our dinner friends were more fun though. Anyway, Kevin Johnson did not disappoint. <br />
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There was another event later in the evening, the Love and Marriage Show. It was funny on this cruise, there were no newlyweds, the newest married couple to be found was married 6 years.<br />
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This was our last port, so we could pack up our folding bikes now. Still two more days of the cruise.<br />
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comBoston, MA, USA42.3600825 -71.0588801000000141.984348999999995 -71.704327100000015 42.735816 -70.4134331tag:blogger.com,1999:blog-3420502825103315789.post-62553651040033024602018-11-01T10:00:00.000-04:002018-11-01T10:00:01.669-04:00Adventure OTS cruise, Portland, Maine Day 9Our port of call today was Portland, Maine from 7am to 5:30 pm, a full day. The weather was mainly sunny 11C (52F) with winds up to 35 mph. We planned on biking the bike trails around the city. Its still very cold and windy, but the sunshine was a nice mood lifter.<br />
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Pano of Fort Allen Park lookout</div>
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Tug Boats in the Harbor off Commercial Street</div>
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Here's our progress so far, we're in the home stretch, one more port tomorrow then two days at sea to arrive in Port Canaveral, FL.</div>
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Selfie at Fort Allen Park in Portland, ME</div>
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When we were back in our room in late afternoon, parents were dropping off their kids for something. Sailing club. They were practicing maneuvering by following the leader in and around the many moored boats in the marina next to the ship.</div>
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After biking around the Eastern Promenade, East End Beach, Bayside Trail, Back Cove Park, Fort Allen Park, Casco Bay Bridge we met our friends for a beer at RiRa Irish Pub.<a href="https://3.bp.blogspot.com/-ESUVNc9zKjI/W9hV8QTOwzI/AAAAAAACbQU/xtRVbkMCH54eNSqJiGYxCaytCbgDhKFmACKgBGAs/s1600/IMG_4612.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="480" src="https://3.bp.blogspot.com/-ESUVNc9zKjI/W9hV8QTOwzI/AAAAAAACbQU/xtRVbkMCH54eNSqJiGYxCaytCbgDhKFmACKgBGAs/s640/IMG_4612.JPG" width="640" /></a><a href="https://1.bp.blogspot.com/-zzTAlxyWW0E/W9hV8aEmpUI/AAAAAAACbQU/bq49DNXaKtwuEuhIRlrX_qEP5NsUYcf4ACKgBGAs/s1600/20181016_071930.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="360" src="https://1.bp.blogspot.com/-zzTAlxyWW0E/W9hV8aEmpUI/AAAAAAACbQU/bq49DNXaKtwuEuhIRlrX_qEP5NsUYcf4ACKgBGAs/s640/20181016_071930.jpg" width="640" /></a></div>
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After a dip in the hottub we went up to the Diamond Lounge for sailaway, and of course our favorite server Beverly was there. She sure worked the ship, she went to every venue whenever there was an event - Schooner Bar for trivias, Casino in between, Diamond Lounge for happy hour, the Imperial Lounge or Lyric Theatre for shows. Nice gal.</div>
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The Norwegian Gem was in port with us today, and sailed away just before us. <br />
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No shows tonight since we've seen the ice skating show already, just dinner at the MDR.</div>
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Boston is tomorrow.</div>
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comPortland, ME, USA43.6590993 -70.25681889999998543.4753223 -70.57954239999998 43.8428763 -69.93409539999999tag:blogger.com,1999:blog-3420502825103315789.post-25954122139078381532018-10-31T09:44:00.000-04:002018-10-31T09:44:00.819-04:00Adventure OTS cruise - Bar Harbor, Maine Day 8Arrival in port at 7am however we have to be processed by U.S. Customs and Immigration and this is a tender port. We anchored near 7am but a letter dropped in our cabin stated to be in the MDR on deck 5 at 7:45am based on our deck. Non-U.S. Citizens were instructed to go to the Imperial Lounge for processing. Permanent residents were to go to the MDR with U.S. Citizens <br />
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Today was a long day in port, form 7am to 6:30 pm at 13C (55F), with winds up to 29mph. It was partly cloudy in the morning, and rain showers moving in around 2 pm. <br />
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We had to tender by using local boats to get to Bar Harbor. Here is the first one bringing the ramps.<br />
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Sunrise in Bar Harbor, ME</div>
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We brought our bikes to shore and it was simple on the tender boat, they let us hang in back with the bikes, first one and first off. <br />
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Once on land again we had intended to get an Uber to the top of Cadillac mountain and ride our bikes down. But there were no Uber drivers and the taxis wanted tour groups not to give one way rides to the top of the mountain. So we opted to lock up the bikes and took an hour tour on Ollie's Trolleys for $25 each. They drove us up to the top of Cadillac mountain and told us the history of the area.</div>
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1763 French Indian war, in 1688 Antionne Cadillac was an original landowner in New France. Bar Harbor is a 108 sq mile island, second largest in area behind Long Island.</div>
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Acadia National Park, home of Cadillac Mountain</div>
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View of RCL Adventure of the Seas just off of Bar Harbor, from Cadillac Mountain</div>
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Scott, Mark, Kathy, Marie, Chrissy at the top of Cadillac Mountain</div>
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On the Top of Cadillac Mountain - Mark, Kathy, Marie, Chrissy, Joel</div>
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Our full dinner group - Mark, Chrissy, Joel, Jan, Scott, Mark, Kathy, Marie</div>
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The bar in Bar Harbor, its a sand bar<br />
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A nice Halloween decoration<br />
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Pano on the top of Cadillac mountain<br />
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Biking on the Shore Path along coast, Grant Park and Agamont Park.</div>
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A lobster roll from the Deli, only $16.95</div>
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This Pedego shop rents our electric bikes which could make it up the mountain on the carriage roads, only $59 for 4 hours. They have a tandem to rent too! </div>
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We stopped at the Stadium Pub for a $6 draft of Blueberry Maine craft beer. Yum! </div>
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We got back on the ship before the rain picked up and enjoyed another evening in the Diamond Lounge. We talked Arnold and his friend Barbara, they hail from Toronto on their way to Marco Island for the winter. He was 91 years old and quite the character, offered us a ride in his Bentley which is being shipped to Florida.<br />
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The Motown show was our evening entertainment "Marcus Terrell & the Serenades". <br />
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comBar Harbor, ME, USA44.3876119 -68.20391230000001344.205964900000005 -68.526635800000008 44.5692589 -67.881188800000018tag:blogger.com,1999:blog-3420502825103315789.post-10989327112195125162018-10-30T10:00:00.000-04:002018-10-30T10:00:05.069-04:00Adventure OTS cruise, Saint John, New Brunswick Day 7Windy today and all outer decks are closed. Seas and ship are smooth, just windy. Mostly Sunny with 10C (50F). Saint John arrival was around 1:30pm. All aboard time will remain as scheduled at 6:30pm since the area is tidal and we must time our departure to avoid low tide.<br />
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This path is part of The Great Trail, also known as the Trans Canada Trail that reaches from coast to coast and is some 24,000 km long (15,000 miles).<br />
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The Bay of Fundy has the greatest tidal changes of anywhere in the world.<br />
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The current in the river, still flowing the wrong way, was very strong and distinct. Small whirlpools formed and disappeared. It was very mesmerizing to watch.<br />
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The Captain and crew having lunch now that we're in port.<br />
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Lunch in the windjammer before heading out to Reversing Falls</div>
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A beer at Rocky's watching the Steelers win.<br />
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Sunset from the diamond lounge<br />
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The entertainment tonight was the worlds only legal pickpocket, Bob Arno. It was amazing to watch him pickpocket people and take off their ties or belts and they didn't even realize he was doing it. He showed a short video from Barcelona, Spain to illustrate the tricks the thieves over there use; beware of lost tourists with maps, girls with scarves, groups of girls, and mothers with fake babies in a fake arm. <br />
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Total cruise distance so far, 1,527 Nautical Miles.<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comSaint John, NB, Canada45.2733153 -66.06330844.5561128 -67.3542015 45.9905178 -64.772414500000011tag:blogger.com,1999:blog-3420502825103315789.post-65763211595329610232018-10-29T10:00:00.000-04:002018-10-29T10:00:03.655-04:00Adventure OTS cruise - Halifax, Nova Scotia Day 6<div style="border-image: none; clear: both; text-align: left;">
Today was a Saturday in Halifax and there was a nice sunrise at 7:27am. We were in port today from 7am to 3:30pm and it would be a mostly cloudy day with temps of 11C (52F) with winds at 17 mph. One of our better days</div>
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<a href="https://1.bp.blogspot.com/-ApJu-hnR24E/W9NUtx6_MnI/AAAAAAACbIo/dFs8kASsALEKL463-zHY8NGpNddGUiklACKgBGAs/s1600/DSC_1931.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1075" data-original-width="1600" height="429" src="https://1.bp.blogspot.com/-ApJu-hnR24E/W9NUtx6_MnI/AAAAAAACbIo/dFs8kASsALEKL463-zHY8NGpNddGUiklACKgBGAs/s640/DSC_1931.JPG" width="640" /></a></div>
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<a href="https://draft.blogger.com/" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="https://draft.blogger.com/" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="https://draft.blogger.com/" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a>Halifax is another old Canadian city with lots of history. It was the birth place of Samuel Cunard whose parents immigrated here in 1783. As a businessman he formed a steamship line that would later be known as the Cunard Line sailing from Liverpool, England.<a href="https://2.bp.blogspot.com/-KlDz12UJ5-Q/W9NUtyu2R_I/AAAAAAACbIo/f4vq1Ii1wdIlQzwg5dZFTcOavw3tEzVMQCKgBGAs/s1600/DSC_1933.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1075" data-original-width="1600" height="429" src="https://2.bp.blogspot.com/-KlDz12UJ5-Q/W9NUtyu2R_I/AAAAAAACbIo/f4vq1Ii1wdIlQzwg5dZFTcOavw3tEzVMQCKgBGAs/s640/DSC_1933.JPG" width="640" /></a></div>
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Our plan was to ride bikes to the ferry and cross the river to Dartmouth, and then ride the trans Canada trail to Fishermans Cove. It was a long and hilly ride, with us clocking in over 15 miles for the day on our one speed folding bikes. My chain came off on the way up a hill because I hadn't tightened my back wheel enough. Good planning meant we had the tools to fix and get going right away.</div>
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On the ferry to Dartmouth across the river from Halifax. Only $2.50 to cross round trip.</div>
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The Silver Sea arrived in port after us, another RCL ship.<a href="https://2.bp.blogspot.com/-BlswZiyYLVs/W9NUt7Hu-dI/AAAAAAACbIo/q04T4DijL2IKXcNRWCF4OXNMBGqgWwgMQCKgBGAs/s1600/DSC_1946.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1075" data-original-width="1600" height="429" src="https://2.bp.blogspot.com/-BlswZiyYLVs/W9NUt7Hu-dI/AAAAAAACbIo/q04T4DijL2IKXcNRWCF4OXNMBGqgWwgMQCKgBGAs/s640/DSC_1946.JPG" width="640" /></a></div>
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The port in Dartmouth where lots of automobiles are shipped into.</div>
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A mural along the trans Canada trail depicting Nova Scotia sports</div>
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Fishermans Cove was quaint and quiet, mostly shut down for the season.</div>
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End of season sales in the shops in almost every town we stopped at.</div>
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A fishing boat in Fishermans Cove</div>
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Lobster cages in Fishermans Cove</div>
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Biking the Trans Canada Trail</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhV1JcYtjchZOpEJQ8wc77P_sqCGdJ6WyVd0kn1QZEJQkvU4DR_Lv0l8jn0VC_gUmg-yzhj0zY2q7rHmOk55hJNQePgv3kWLvCbETPFI0u_But6S2T8eH9rvTxJq94_4dEP0bbQcSpR1EQ/s1600/IMG_4444.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhV1JcYtjchZOpEJQ8wc77P_sqCGdJ6WyVd0kn1QZEJQkvU4DR_Lv0l8jn0VC_gUmg-yzhj0zY2q7rHmOk55hJNQePgv3kWLvCbETPFI0u_But6S2T8eH9rvTxJq94_4dEP0bbQcSpR1EQ/s640/IMG_4444.JPG" width="640" /></a></div>
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A fellow passenger on the ferry.</div>
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Pumpkin patch in Halifax boardwalk area.</div>
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More poutine today in Halifax</div>
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Poutine was $7.95 but after taxes closer to ten dollars. Those Canadian taxes are extreme and make everything seem expensive. </div>
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A huge mushroom growing next to the bike path.<a href="https://3.bp.blogspot.com/-1TkN4NEEya4/W9NXDksvlPI/AAAAAAACbI4/WnUyAleWvDAL_40eUhNoRgfXagXLJf4MQCKgBGAs/s1600/IMG_4439.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="480" src="https://3.bp.blogspot.com/-1TkN4NEEya4/W9NXDksvlPI/AAAAAAACbI4/WnUyAleWvDAL_40eUhNoRgfXagXLJf4MQCKgBGAs/s640/IMG_4439.JPG" width="640" /></a></div>
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I think we went to the evening Singers and Dancers show, but I don't have any pictures so maybe not. We did attend the battle of the sexes game show in the Imperial lounge and our table mates Joel, Mark and Mark all played in the game. It was pretty funny.</div>
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Pop the balloon between two bodies. The girls won.</div>
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<a href="https://3.bp.blogspot.com/-1XpUATl2ghA/W9NUt5O37zI/AAAAAAACbIo/tVaefEC_bmoTo6_cKbHao60ZOVEgbkiDQCKgBGAs/s1600/DSC_1985.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1075" data-original-width="1600" height="428" src="https://3.bp.blogspot.com/-1XpUATl2ghA/W9NUt5O37zI/AAAAAAACbIo/tVaefEC_bmoTo6_cKbHao60ZOVEgbkiDQCKgBGAs/s640/DSC_1985.JPG" width="640" /></a></div>
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Around 6pm the Captain announced a guest was in a critical medical condition and we would need to return to Halifax to drop them off for medical attention. We had been sailing about 2 hours already, so it set us back and we would have a late arrival in Saint Johm, New Brunswick the next day. Unfortunate but it happens, especially with the large number of elderly guests onboard.</div>
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comHalifax Regional Municipality, NS, Canada44.648763500000008 -63.575238741.711358000000011 -68.7388127 47.586169000000005 -58.4116647tag:blogger.com,1999:blog-3420502825103315789.post-21276807789545632312018-10-28T10:30:00.000-04:002018-10-29T09:55:30.051-04:00Adventure OTS cruise, Sydney Nova Scotia Sea Day 5<div style="border-image: none;">
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<a href="https://draft.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://draft.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://draft.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>When we woke up and looked out the balcony, it was rainy and windy. The temperature was 12C (54F) with 35 to 40 mph winds. We also were not at a port like we should have been. At 8am sharp the Captain made an announcement. The Pier was closed. Port officials offered anchorage which didn't make sense. We gain a sea day and plan to keep our scheduled call into Halifax tomorrow. As the remnants of Hurricane Michael approach us we are expecting 35-40 mph winds and 12' seas but with our slower speed towards Halifax the Captain predicts very little ship movement.</div>
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Noon update from the Captain. Not much has changed as we slowly poke along at around 10 knots. Winds are expected to reach 40-45 mph max. Stabilizers are extended. Seas of 12-13' expected. We were hugging the Nova Scotia coast just far enough out I'm sure to be in international water. Outer decks are closed, and barf bags have appeared on the stairwells.</div>
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I was not disappointed to miss Sydney since we didn't have a good plan. We had a rental car reserved but had canceled it due to poor weather. So we participated in some line dancing, and photo scavenger hunt. We played the photo scavenger hunt and had to find things or do things and take a picture.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqHwGKrbxodqSU6E3AivJ9BgrH-G-wgThlGcEXTdlvOa-IctQ3X4MvZ9GkwojhWek8vhx60rLpNZi7EBPrpHABKgnOv2vdtTgppRQDyxyZgarNnQIjHRg1OfQq7zEfLjmMNC94ZKsqUzA/s1600/IMG_4375.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqHwGKrbxodqSU6E3AivJ9BgrH-G-wgThlGcEXTdlvOa-IctQ3X4MvZ9GkwojhWek8vhx60rLpNZi7EBPrpHABKgnOv2vdtTgppRQDyxyZgarNnQIjHRg1OfQq7zEfLjmMNC94ZKsqUzA/s640/IMG_4375.JPG" width="640" /></a></div>
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The human pyramid</div>
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We won first place in the photo scavenger hunt, and got a RCL shopping bag for a prize.<a href="https://1.bp.blogspot.com/-xl0Ndh7j4IM/W9NRaLwgSkI/AAAAAAACbIc/iwoEzjyEs-EFCtCw1-pI0TFd7jJHiIDRwCKgBGAs/s1600/IMG_4378.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="480" src="https://1.bp.blogspot.com/-xl0Ndh7j4IM/W9NRaLwgSkI/AAAAAAACbIc/iwoEzjyEs-EFCtCw1-pI0TFd7jJHiIDRwCKgBGAs/s640/IMG_4378.JPG" width="640" /></a></div>
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<a href="https://draft.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://draft.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://draft.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a> Barf bags in the halls today</div>
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Relaxing day for a dip in the hot tub</div>
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Tonight was the top tier event which we skipped since we could get drinks the in the DL. I heard it was packed. Here are the top tier numbers for our trip. The Captain said there are over 10 million Crown and Anchor members now. </div>
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Gold 685 </div>
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Platinum 406 </div>
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Emerald 225 </div>
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Diamond 630 </div>
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Pinnacle 78 </div>
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Total on this trip: 1,838 Top Tier, with 1,207 vying for Diamond Lounge access. </div>
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The evening entertainment show was Karen Grainger a female impressionist and singer. She grew up in Toronto, and provided a good show.<a href="https://4.bp.blogspot.com/-3FJL_k1msME/W9NRaOzz8iI/AAAAAAACbIc/DlwGOs95Zfc_nA43sUYFBJ-k9fn9PKAGACKgBGAs/s1600/IMG_4392.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="480" src="https://4.bp.blogspot.com/-3FJL_k1msME/W9NRaOzz8iI/AAAAAAACbIc/DlwGOs95Zfc_nA43sUYFBJ-k9fn9PKAGACKgBGAs/s640/IMG_4392.JPG" width="640" /></a></div>
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The storm continued to roar outside as we all partied on the ship.</div>
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comSydney, NS, Canada46.1367899 -60.19422399999996346.0487754 -60.355585499999961 46.2248044 -60.032862499999965tag:blogger.com,1999:blog-3420502825103315789.post-11606164573293024742018-10-27T09:55:00.000-04:002018-10-27T09:55:00.223-04:00Adventure OTS Charlottetown, Prince Edward Island (Day 4 of Cruise)<br />
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Our Next port of call was Charlottetown, PEI for a full day from 8am to 5:30pm. The temperature was 7C (45F) with 20 mph winds, with mostly cloudy skies and rain showers. The worst weather of the trip. There was a Sudoku challenge in the Schooner bar in the morning, so we had breakfast in the windjammer and headed to the challenge. Neither of us got in top 3, some lady was done in about 2 minutes. It was ridiculous, we need to work on our speed.<br />
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We wanted to wait a little to see if the weather would improve, and it did - a little. We took our bikes off the ship and rode along the coastline to Victoria Park, and PEI Battery Park. <br />
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Charlottetown is the birthplace of Canada in the sense that the founding Fathers from the original five colonies (Prince Edward Island, New Brunswick, Nova Scotia, Ontario and Quebec) gathered here in 1864 to write the document that would lead to formation of the British North American Act that Queen Victoria signed into law in 1867. That is how Canada was granted it's independence from England. <br />
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Then we continued along to see the Lighthouses, and Queen Elizabeth Park. We cut back into town and parked the bikes while we walked around some. We opted to skip poutine again, and head back to the ship for a late lunch.<br />
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PEI Battery Park<br />
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Brighton Beach Range Front Lighthouse<br />
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A lighthouse in someones yard in PEI.<br />
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Cannabis would be legal a couple days after we leave Canada, shops are everywhere.<br />
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I could never figure out what trash went where with three choices.<br />
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A memorial to the PEI Soldiers who lost their lives in the two World Wars, in Korea and Afghanistan<br />
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Port Charlottetown was a good distance from town, good thing we had our bikes.<br />
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Charlottetown City Hall<br />
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We were finally in lobster country!<br />
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A cool Halloween decoration this biker flew off his bike into a tree.<br />
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The rainbow side walk in PEI<br />
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Tim Hortons is the favorite coffee shop, they serve Poutine too, Kind of like the McDonalds of US.<br />
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Fresh Lobster right off the boat<br />
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There was an Ice Skating Show tonight before dinner, "Cool Art, Hot Ice!". We left the diamond lounge early to get in line. It was a good show on a tiny 40 x 60 ft rink. <br />
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Caribbean music on the Promenade. Most activities from the pool deck were moved to the promenade on dk5.<br />
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After biking a day in the rain we decided to warm up in the hot tub before the diamond lounge.<br />
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Great dinner again in the main dining room. <br />
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<br /><div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comCharlottetown, PE, Canada46.23824 -63.131070446.1504165 -63.2924319 46.3260635 -62.9697089tag:blogger.com,1999:blog-3420502825103315789.post-66576037094955059392018-10-26T10:00:00.000-04:002018-10-26T10:00:06.673-04:00Adventure OTS - At Sea (Day 3 of cruise)This was our first sea day and a chance to sleep in after our journey to Montreal and Quebec City. The temp was 11C (52F) with strong winds 29 mph and 5 ft waves, a mostly cloudy day. Today Hurricane Michael would make landfall in the Florida panhandle. We were lucky it was not headed to our home in Tampa Bay, but there were many people on the ship from Florida who were worried about it. <br />
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This cruise was not a typical combination of guests since it was a repositioning cruise. There were many older guests, lots of Canadians and Floridians since those were the starting and ending ports. There were only seven children on the ship. When they had the love and marriage show and were looking for contestants for newly weds the newest married were six years. It was a wonderful mix, and the experienced cruisers were much more tolerate, polite and friendly than a ship full of families and new cruisers would be.<br />
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Breakfast everyday was in the windjammer where I had salmon lox, and Scott had an omelet. I was able to eat fish everyday for breakfast and dinner, and resisted the bread the entire cruise. I only gained 4 lbs, which I have lost already. <br />
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First activity of the day was the cruise critic meet and greet where we met fellow members of the cruise critic forum and our facebook group, plus there were raffles of prizes, drinks and excursions from the ship staff. I won a nice back pack! <br />
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Enjoying the hot tub in the Solarium, surprisingly was not used much, it was cold so I think people were in their rooms reading.<br />
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The lonely lifeguard on the pool, most of the week no one was in the pools.<br />
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I started out with good cards in the poker run, but didn't end up with a winning hand.<br />
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Charlotte was in the facebook group, loved her card glasses. We sure enjoyed the Diamond Club free drinks, didn't spend any money on this cruise for drinks.<br />
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Hanging out for the Captains Welcome Aboard Reception, free champagne for all in the Royal Promenade. The Headliner showtime was the Las Vegas Tenors in the Lyric Theatre. They were a group of guys who sang cover songs. It was entertaining, but I guess not that great because I didn't even get a picture. We did stop in the casino to use our free spin to win coins - three each, and I won a Casino Royale tshirt. It was my lucky day.</div>
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Dinner in the dining room again. loving the fish every night!<br />
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Dinner - Jan, Joel, Chrissy, Mark. Our servers were Pablo and Ruel (Rusty).<br />
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<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
Also follow me on twitter Instagram tumblr pinterest tiktok</div>Unknownnoreply@blogger.comSt Lawrence River47.6695302 -69.59569669999996242.193168699999994 -79.922845199999955 53.1458917 -59.268548199999962tag:blogger.com,1999:blog-3420502825103315789.post-66300824851400209282018-10-25T10:00:00.000-04:002018-10-25T10:00:10.416-04:00Adventure of the Seas - Quebec City, Quebec CA Day 4The ship stayed in port in Quebec City overnight so we had a full day to spend on land til All aboard at 3:45 pm. Muster call would be shortly after all aboard and sail away was 5 pm. The weather was 18C (64F) and cloudy with scattered showers. Not the nicest day, but nothing you can do about it. We wanted to get the ship staff familiar with us and our bikes so we took them off the ship even though we only rode a few miles along the St Lawrence river. The bikes on the ship worked fine, we just scouted out the hall and elevator before we would roll our bikes out. We tried to avoid busy times by leaving a little later, and coming back on board before the end of port call.<br />
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A couple notes for those interested in the logistics so far. My Sprint Samsung S6 phone worked fine in Canada. I have the unlimited SERO plan and got free data, phone calls were $2.50 and texts $0.20 each. I used WhatsApp to text for free. I had also downloaded the Bixi bike app in Montreal before leaving the US. There is Wi-Fi everywhere in the bars and resto's. Scott's Samsung S4 phone didn't work at all, it was a brick. His service is Tello, a discount plan that runs off Sprint network, they do not support service outside the U.S. Our friends have Apple Iphones and they worked with a discount plan but the cost was high to call, and use data. They relied on Wi-Fi. <br />
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It was interesting to note that Uber was used in Montreal and they have a station at the airport set up for it, but it seemed to be blocked in the near vicinity. We had to get a cab. But as soon as we were driving away in the cab, I checked Uber and was able to connect to their network. Uber was not available in any other Canadian towns we visited, there were no drivers. Uber is illegal in Prince Edward Island. Nova Scotia had no drivers.<br />
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Quebec City is beautiful, and I'm told seems to be just like quaint old Europe. Most of the town looks normal and business like, its just a tourist district down by the port that has the Europe feel. The hills were extremely steep and there is a funicular to ride up to the top of the hill where the Frontenac Hotel is. There is great history about this town between the French and English battles. Lots of cannons around, and we even saw a cannon ball wedged under a tree that had grown around it.<br />
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The ship had great entertainment almost every evening. We again enjoyed the free drinks in the Diamond Lounge. It turns out we never spent a dollar on drinks our entire cruise. We usually used to spend about $100 a day on drinks, but since we're diamond status now we saved over a thousand dollars on this trip with the free drinks. There were over 1000 diamond members on this cruise, and the ship reported during one of the last diamond parties that they had served over 22,000 free drinks over the cruise, over 1600 drinks each evening. <br />
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The evening show before dinner was Chad Chesmark who performed a magic show. Later that evening after dinner, there was a comedian, Michele Balan. Tomorrow would be a day at sea, and then we arrive at Charlottetown, Prince Edward Island (PEI) for our next port.<br />
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Marie & Scott, Mark & Jan<br />
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Chad Chesmark<br />
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Joel & Chrissy, Kathy & Mark<br />
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Quebec City <br />
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Frontenac Hotel<br />
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Adventure of the Seas in Quebec City, QC port<br />
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The funicular sculpture.<div class="blogger-post-footer">@frugalapolis It's FREE to Subscribe to my Youtube Channel!
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