SAVING MONEY • May 1, 2021

12 Benefits Seniors Get Only If They Know

By Robert Wilson | LearnSaving

A surprising number of Americans have never claimed these benefits and special programs. Most are missing out simply because they don’t know about them. Here's a list of the top benefits and money-saving strategies available in 2021.

You could put an extra $5,000 or even $10,000 back into your pocket in 2021 by using the strategies listed below. Claim right away before they expire (some could be expiring as early as %current_month%)

1. Get what you’re owed from Social Security

Social Security can be a big part of your retirement income, so it helps to know if the federal government calculated your benefits correctly. Do not make the mistake of assuming that your Social Security is accurate. Sometimes errors occur, either by missing earnings years or a miscalculation. You will get a statement every year, and it is smart to check it for mistakes. 

Your monthly Social Security retirement benefit is based on your highest 35 years of earnings, so make sure your income is correctly reported on the statement. Even one year wrongly reported could really make a difference to your payments. So check your old tax returns to figure out your 35 highest-earning years, and make sure you get every dollar owed to you.

2. New Mortgage Relief Program Is Giving Up To $3,708 Back To Homeowners

(Washington, D.C.) - Homeowners are advised to take advantage of a new Mortgage Give Back Program before it's gone. This is likely to be the largest benefit program American homeowners have seen.

When homeowners visit this Mortgage Relief Program's website they may be surprised to find out they qualify for a $3,708/year ($309/Month) mortgage benefit starting as soon as this %current_month%. 

Most homeowners will see huge savings and the process is very simple. This program can expire any day now, so we urge homeowners to see if they qualify for $3,708/year mortgage benefit today!

All homeowners can check for free to see if they qualify for this program and it takes just 2 minutes.

See If You Qualify For Free

3. Owe More Than $20,000 in Credit Card Debt? Use This Brilliant Debt Relief Program

Because of the pandemic and the skyrocketing cost of living in the United States, more and more people in retirement are struggling with financial debt than ever before. And with interest rates snowballing the amount owed, paying your credit card balance can seem like a trap that can never be escaped. Here’s what credit card companies don’t want you to know:

If you owe more than $20,000 in credit card or personal loan debt, this proven debt relief program can reduce the amount of money you owe. You can resolve your debt with no requirement of loans and thus become debt free in just 24 – 48 months. If you’ve been struggling to pay your credit card debt, then click here to find out how you can become debt-free!

So if you carry $20,000 or more in credit card debt or personal loan debt, click here to see if you qualify for reduced payments!

[button $link="http://go.improvedebt.com/3f508bd5-2c11-4d4a-b0d8-f2dcba302f37?offer=debtrelief&camp=" $text="Click Here To Learn More" $target=“_blank”]

4. Get up to $250,000 In Life Insurance For Just $15/mo

If you have any family, life insurance is a must. Most people don’t have savings large enough for their family to pay off their mortgage, cover living expenses, and pay for final expenses — never mind ensuring your loved ones don’t inherit your debts.

Life insurance companies know all of this and the bigger the policy, the more they profit. They’ve been getting away with charging high rates for years – but that’s all coming to an end.

Fortunately, there is now a way to get a rock solid, yet very inexpensive life insurance policy from top providers. Thanks to this amazing website it’s easy to see and compare plans, regardless of age or medical history. The best part is it’s totally free to get a quote!

Even if you already have a policy, it can find comparable plans at a much much lower price. You could easily end up saving up to 70% on term life insurance!

No medical check and instant approval policies are also available.Click Here To Learn More

5. Collecting Social Security? Boost Your Benefits by $900 a Month

You could increase your Social Security benefits by $900 a month by taking advantage of a do-over strategy. A little-known tax law allows you to halt your current benefits, pay back all you collected interest-free, and restart your benefits at a new, much higher rate based on your current age.

Here’s how it works: Let’s say you qualify for full benefits of $1,600 a month at your normal retirement age of 66, but you decide to begin collecting your benefits at 62. Your retirement benefits will be reduced by 25% for the rest of your life — to $1,200 a month, in this example — because you’ll be collecting a smaller benefit for a longer period of time. On the other hand, if you delay collecting benefits, you will receive an 8% credit for every year beyond your normal retirement age until you reach 70, when your maximum benefit will be 132% of what you would have received at age 66. In this example, you would receive about $2,100 a month at 70 — a $900 difference. Be sure to crunch the numbers and speak with a qualified advisor to make sure this is the right decision for you.

6. $0 Electric Bills? Federal Program Pays Homeowners To Go Solar

Did you know that some people are totally eliminating their power bills in 2021? Americans are taking advantage of a little-known government program which is paying them thousands to switch to solar. You are thinking what's the catch? The catch is that only some zip codes qualify for this program.

The program provides subsidies and rebates that can cover most of the costs associated with installing solar panels. In fact, the average tax break gives back over $5,000 for installing solar panels.

But the benefits don't end there. Once homeowners go solar, their energy bill is drastically reduced — often to $0 or close to it.  It can save you thousands of dollars in the long run. You can bet the energy companies are not too thrilled about that.

It's very easy and completely free to check if your zip code qualifies. Homeowners can instantly check if their zip code qualifies for free and be on their way to eliminating electric bills. Check If My Area Qualifies

7. Get A Huge Discount On Your Car Insurance (Save Over $600/year)

Did you know that depending on your age, driving record and other factors you could get a huge discount on car insurance?

If you’re paying over $50/month for car insurance, there’s a good chance you’re paying more than you need to. It’s quite common for this to occur, as most seniors simply keep their same old policy in place… and those rates can creep up over time without really noticing.

Most seniors are not taking advantage of the multiple discounts available to them when it comes to car insurance. And the reason is that most seniors don’t even know about these discounts.  Click here to learn how you can save up to $600 on your car insurance.

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8. Get a Discount on Groceries & Dining Out

  • Albertsons: On the first Wednesday of every month, you may take 10% off your  purchase (55+)
  • Kohl’s: 15% off on Wednesdays (60+)
  • Walgreens - up to 30% off every Tuesday (55+) with their Balance Rewards program
  • Walmart: Walmart offers very few discounts to seniors. Some locations can offer reduced costs to seniors some days each week.
  • Fred Meyer Senior Discount: 10% – 15%, depending on department, first Tuesday of each month for customers 55 or older.
  • McDonald’s: discounts on coffee and beverages (55+)
  • Subway: 10% off (60+) varies by location
  • Chilli's: 10% off (55+)

9. Homeowners Can Get up to $1,550 Back On Their Home Insurance 

A new special program is helping thousands of savvy homeowners get up to $1,550/year back on their home insurance. Has your insurance provider told you about this?

The truth is that everyone needs homeowners insurance, and the insurance companies know that. But how often do you actually get to use your insurance? Most probably not enough to make up for the cost year after year. Home insurance should not be expensive.

Here’s something most people don’t know about home insurance: Homeowners insurance is actually inexpensive, but most people are paying way too much. In fact, most homeowners can now get an average $1,550 taken off their annual bill for the same or even better coverage than they have now at a much lower rate by using this popular website.

In just 30 seconds, you can search available rates from the top insurance providers that compete to give you the lowest rate allowing you to get a big discount on a great coverage. Many readers are reporting that they’re able cut their home insurance in half just by using this free website to compare quotes.Get My Free Quote

10. Never Pay For Costly Home Repairs Out-of-Pocket Again

Unexpected home repairs can be catastrophic to the finances of most seniors who are on a fixed monthly budget. Your home insurance will not cover your refrigerator, stove or washing machine breaking down unexpectedly. Same goes for your heater in the winter or AC unit in the summer, if it breaks, you have to pay the heavy repair bill.

The good news is that there is now a new Home Warranty Program available for seniors that can help protect you from unexpected home repair bills & save you thousands on repairs. Appliances, AC’s, heaters, roofing repairs, etc. – they are all covered under the program. If they cannot fix it, they will replace it, its simple + saving seniors thousands.Click Here To Learn More

11. Enjoy These Discounts When Eating Out

  • Arby's - 55 and up get a 10% discount or a free drink
  • Applebee's - 60 and up get 10% to 15% off at participating locations.
  • McDonald’s: discounts on coffee and beverages (55+)
  • Whataburger: free drink with purchase of a meal, depending on location (55+)
  • Wendy’s: give free coffee or other discounts depending on location
  • Denny’s: offers a 55+ menu with smaller portions, and better prices
  • IHOP – 10% discount (55+) and a menu for people aged 55 and over at participating locations
  • Subway: 10% off (60+) varies by location
  • Papa John’s Senior Discount: check with your local stores (no standard senior discount policy)
  • KFC: free small drink with any meal depending on location (55+)
  • Burger King: 10% discount on purchase depending on location (60+)

12. New Policy Could Reduce Your Mortgage Payments By $309/Month (But You Have To Claim It)

Still unknown to many homeowners is a brilliant Government sponsored program called the High LTV Refinance Option (HiRO) that could benefit millions of Americans and reduce their payments by as much as $309 per month! You could bet the banks aren't too thrilled about losing all that profit and might secretly hope homeowners don't find out before the rules change. 

So while the banks happily wait for this program to end, experts are making a nationwide push and urging homeowners to take advantage. This program is currently active as of 2021, but the rules could change soon. But the good news is that once you're in, you're in. If lowering your payments, paying off your mortgage faster, and even taking some cash out would help you, it's vital you act now and see if you could qualify for HiRO or a better rate in today's marketplace.

URGENT: So many homeowners could still benefit today, but sadly, many perceive HiRO to be too good to be true. Remember, HiRO is a free program and there's absolutely NO COST to see if you qualify. See if you qualify now to reduce your monthly payments >>

How Do I Qualify?

Step 1: Fill out a quick form to check your eligibility for free.

Step 2: View your new lower rate and save money! 

[button $link="http://click.gospect.com/3f508bd5-2c11-4d4a-b0d8-f2dcba302f37?offer=hiro&camp=" $text="Click Here To Learn More" $target=“_blank”]

Bonus: Homeowners Are Using This New “Roof Replacement” Service To Get a New Roof

Homeowners should never have to pay full price for roof repairs again. In the past roofing work could cost a fortune. Worse yet, a bad roof can lead to tremendous damage, mold, animal infestation and other expensive situations that could be avoided with proper home maintenance.

No doubt replacing a home’s roof is an easy thing to put off “until next season,” especially since traditionally the cost could come with quite the price tag.

But thanks to this brilliant new website, it no longer has to cost homeowners an arm and a leg to get the roof replaced or repaired. In fact, homeowners that use the site will never have to pay full price for roof repairs again.

Now homeowners can get their roof replaced while saving thousands of dollars in the process by taking advantage of all special discounts, rebates and incentives available in their area.

Every homeowner should check to see how cheap it can be to get a new roof in their area.Enter ZIP to Check Eligibility Here

Remember: these special programs can easily save you $1000’s of dollars every year. Claim them before some of them expire this %current_month% and start saving right away!

1. Get up to $3,708/year Taken Off Your Mortgage

2. Get $250,000 In Life Insurance For $15/Month

3. Go Solar And Reduce Your Electric Bill To $0

4. Save $536 On Your Car Insurance

5. Get a New Roof

6. Get $1,632/yr Back On Your Home Insurance

7. Never pay for home repairs out-of-pocket again

If you found this list helpful, please share it with your friends and people who you think this would help.

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Bonus: Get a Discount When You Shop

  • Banana Republic: 10% off (62+)
  • Clarks: 10% off (62+)
  • Kohl's: 15% off  (60+) on Wednesdays, in store only.
  • Michael's: 10% off your entire purchase every day (55+).
  • Ross Stores: 10% off every Tuesday (55+)
  • Target: Limited access to senior discounts is available at Target. However, some locations may offer discounts on specific days for various events.
  • Walgreens: “Seniors Day” once a month, varying by location. Discounts are available for Balance Rewards card members (55+). Discounts include 20% off in store or 10% off online.
  • Walmart Pharmacy Services: The company offers low-cost generic prescription medications, $4 refills for generics, branded drugs, and even pet medications. Check Walmart drug list to see how much you can save on your medications.

Stay More Connected To Your Family With This FREE Family App

Do you want to feel more connected to your kids and grandkids and get updates and pictures on what is happening in their daily lives?

Or maybe you don't feel like sharing private moments of your life on Facebook for the rest of the world to see? 

This new app allows you to create a private circle of just your close family and friends and share, comment and like each others pictures and videos. 

Whenever you are posting a new picture to the Family Circle App you know that only the people who will see it are the people you keep close to your heart. So you are much more free to share more private moments from your life than you would on Facebook. If you have grandkids you can ask your children to upload a new picture of them each day. It's never a dull moment when you see a new photo of your lovely kids or grandkids.

The way it works is you download the app from Apple or Google app store to your phone, then sign-up for a free account and create your family circle. Once you do, you can invite your family members to join your circle. When inviting your family members make sure to use their correct email addresses so it would be easier for them to join your family circle. Once you do, everyone in your family circle can share, comment and like each other pictures. You can even send voice and text messages to your family members inside the app for free!

Family Circle App does not sell your personal information to advertisers unlike Facebook. It cares about your privacy and is free to use. You can download it for free from the Google and Apple app stores. Simply enter "Family Circle App" in the your app store's search bar or click one of the links below:

iPhone users: click here to get the Family Circle App for free

Android users: click here to get the Family Circle App for free

Save $1000's Using These 8 Money-Saving Strategies:

1. Get up to $3,708/year Taken Off Your Mortgage

2. Get $250,000 In Life Insurance For $15/Month

3. Go Solar And Reduce Your Electric Bill To $0

4. Save $536 On Your Car Insurance

5. Get a New Roof

6. Get $1,632/yr Back On Your Home Insurance

7. Never pay for home repairs out-of-pocket again