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If You wish to Reprint Content From Our Sites: Individual articles and creative works are copyright (various years) by their individual authors. All articles are used by permission, and the authors reserve all rights. The format and content of this entire web site is copyright 1995-2009 by Shel Horowitz. All rights reserved. These articles and creative works are subject to full protection under U.S. and international copyright laws. Permission is granted to reproduce up to three articles written by Shel Horowitz and/or Dina Friedman for noncommercial purposes [defined as not charging users for access], subject to the following conditions:

1] Full URL and author's e-mail address, postal address, and phone numbers must be included

2] If the article is a book excerpt, the name of the book and the following contact information must be included

Shel Horowitz
16 Barstow Lane
Hadley, MA 01035 USA
shel at frugalfun.com
(413) 586-2388/(800)683-WORD
http://www.frugalfun.com

or (for articles written by Dina Friedman)
D. Dina Friedman
16 Barstow Lane
Hadley, MA 01035 USA
dina at ddinafriedman.com
(413) 586-2388/(800)683-WORD

3] This copyright notice must be included in full.

4] No unauthorized changes to the text are allowed.

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To obtain permission for any article written by someone other than Shel Horowitz or Dina Friedman, please contact the individual copyright holder/s.

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Shel Horowitz's book, "The Penny-Pinching Hedonist: How to Live Like Royalty with a Peasant's Pocketbook" will save you hundreds of dollars on FUN...every year... for the rest of your life! learn how to travel to exotic places with zero lodging cost... fly for about a quarter of the published fare... eat in fabulous restaurants for $10 or less... This site is brought to you by Shel Horowitz and Dina Friedman, Directors of Accurate Writing & More--bringing you marketing, writing, and career assistance since 1981. (800) 683-WORD or (413) 586-2388 http://www.frugalfun.com http://www.frugalmarketing.com/ http://www.accuratewriting.com/ http://www.principledprofit.com/

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