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 * 2021 Savings


19 WAYS TO SAVE BIG DURING RETIREMENT IN SEPTEMBER



THE AVERAGE SOCIAL SECURITY CHECK PAID OUT IN 2018 WAS FOR JUST $1,404,
ACCORDING TO THE MOTLEY FOOL.


That works out to just $16,848 per year... hardly enough to get by comfortably
on these days.

And that’s before taxes!

It's no secret that retiring in today's economy is harder than ever for seniors.
The costs of healthcare, housing, utilities and even food has all skyrocketed.
And unfortunately the Cost Of Living Adjustment just isn't cutting it for some
seniors.

That's why we've compiled this extensive list of the top ways that seniors can
save money and make their retirement last longer. Enjoy!





1. GO OUT TO EAT FOR A DISCOUNT

Here are some awesome senior discounts at popular restaurants:

Applebees: 10% discount

Burger King: 10% discount and discounts on drink items

Denny's: senior menu with discounted prices



IHOP: senior menu as well as 10% off

Sonic: 10% discount

Golden Corral: discounted menu prices for 60 and over

Subway: 10% discount

Wendy's: free drink (or 10% at some locations)

Outback Steakhouse: 10% off for AARP members

White Castle: 10% off for 55 and over



2. CHECK FOR MISTAKES WITH YOUR SOCIAL SECURITY

You get a Social Security statement every year. Do not assume it is accurate.
Check the numbers and report any errors to the Social Security Administration.

Remember, your benefits are based on the average of your 35 highest-earning
years. A miscalculation for even one or two of those years could impact your
benefit for the rest of your life.





3. BUY IN BULK

One of the easiest things you can do to instantly start saving money is to buy
in bulk! Retailers often give a MUCH better deal on products such as paper
towel, toilet paper, detergent, etc if you buy in bulk.

This might seem like an obvious one, but we often forget how much money we waste
by not buying in bulk.





4. SAVE ON YOUR PROPERTY TAXES

Did you know that every state has some sort of property-tax benefit for seniors?
Several states have programs that freeze property taxes completely for seniors,
and 10 limit how much a property's tax value can increase. Also, the homestead
exemption can be larger when a homeowner reaches a certain age. (The larger the
exemption, the lower the tax.) In Colorado, seniors 65 and older can exempt up
to 50% of their residence's first $200,000 in value.



Check with your local township to see ensure you're getting the senior discount!



5. VETERANS GET A NICE DISCOUNT AT LOWES

All active military and veterans are entitled to get a 10% discount on many
in-store purchases at Lowe's.

To make it even better, Lowe's extends this offer to their spouses! Need new
tools? How about new appliances? How about a kitchen remodel? Lowe's carries a
variety of things, so take advantage of this incredible discount!





6. ACE HARDWARE OFFERS A SENIOR DISCOUNT!

Ace Hardware is a great store for quick shopping and friendly service. And what
makes shopping there even better for seniors is that they now offer a 10% senior
discount! This does vary by location, so give your local Ace Hardware a call and
see if they offer it.




7. BORN BEFORE 1972? GET $3,600/YEAR OFF YOUR MORTGAGE WITH THE FEDERAL RESERVE
BANK'S LUCRATIVE RATE "PUSH DOWN" INITIATIVE

Banks Don't Want Homeowners Knowing This

Still unknown to many is a brilliant mortgage plan called the Rate and Term
Option (RaTO) that could benefit millions of Americans and reduce their payments
by as much as $3,600 per year! You could bet the banks aren't too thrilled about
losing all that profit and might secretly hope homeowners don't find out before
rates shoot up again.



So while the banks happily wait for interest rates to skyrocket, experts are
making a nationwide push and urging homeowners to take advantage. These savings
potential currently exists 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 monthly payments
or paying off your mortgage faster sounds good to you, it's vital you act now
and see if you could qualify for RaTO and take advantage of a better rate in
today's marketplace.

URGENT: So many homeowners could still benefit today, but sadly, many perceive a
Rate And Term (RaTO) to be too good to be true. Remember, RaTO could save you
thousands per year & 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: Click your state on the map to instantly check your eligibility for
free.

Step 2: Access new low rates and save money! Click here to get your new low
rate.

Select Your State:





Yes! I Want To Check My Eligibility Now >>




8. GET A HOME WARRANTY

Still unknown to many is a brilliant Home Warranty Program called the Choice
Home Warranty that could benefit millions of households and help them never pay
for covered appliance failures, furnace breakdowns, electrical issues and so
much more! You likely have homeowners insurance, right? A Home Warranty Plan is
similar to a homeowners insurance plan, but it actually covers many things that
an insurance plan won't like a broken refrigerator, a broken furnace or an
electrical malfunction on a ceiling fan.



Often times, new homeowners are offered a 1 or 2-year home warranty plan when
they purchase a home. This is generally a huge plus for the home buyer because
it takes away the stress of having to pay for likely issues that might come up
during the first year or two of owning the home. Issues such as a broken
refrigerator or dishwasher aren't fun to deal with. Or how about a broken
furnace or air conditioner? These would likely cost $1,000s of dollars to fix!

Luckily, homeowners now have the option to get a home warranty plan anytime
after they bought their home. Even if you've lived there for 20 years, you can
still get your own home warranty plan that will cover the cost of many
unforeseen home repairs!

Get Your Free Quote Now >>




9. SLASH YOUR CELLPHONE BILL

Did you know that many of the large phone companies offers special discounts to
senior citizens? These discounts add up quick!

AT&T: AT&T offers a special Senior Nation Plan for account holders 65 or older
for $29.99/mo. It has 200 Anytime Minutes, Mobile to Mobile Minutes, and Nights
and Weekends, without roaming and long distance charges.



Verizon Wireless: Verizon Wireless offers a special 55 plus nationwide unlimited
talk and text service plan to customers who are 55 or older. Check to see if
your location offer this with Verizon.

Consumer Cellular: Consumer Cellular offers AARP members who are 50 or older
exclusive savings on monthly service charges in addition to discounts on
accessories.



10. TRAVEL FOR LESS

Here are some senior discounts you can use when flying:

Southwest Airlines: Offers various discounts for 65 and over

United Airlines: Offers senior fares to selected travel destinations for
customers who are 65 and older. Ask for more details on these great fares when
you make your reservation or select the seniors (age 65 and older) category when
you make your booking on united.com.

American Airlines: Offers special deals for those who select the 65+ passenger
option when booking a flight.





11. CAN'T SLEEP? GET A SAMPLE OF GNC'S #1 SLEEP PROBIOTIC TO TRY

If you have trouble sleeping and also deal with gut issues, you've got to give
Peptiva Nighttime Probiotic a try.

Peptiva helped break the stereotype that probiotics are only for people looking
to fix their stomach issues. Peptiva's groundbreaking formula also helps
de-stress so you can enjoy a deeper, more satisfying sleep. GNC stores secured
the exclusive rights to Peptiva's US launch, but you won't find this exclusive
sample offer there.





Dr. David Katz, a health and wellness thought leader and the Director and
Co-founder of the Yale Prevention Research Center, helped formulate a
groundbreaking probiotic supplement.

The key ingredients in Peptiva include a powerful combination of 6 clinically
validated probiotic strains, which are also guaranteed to keep their potency up
to the expiration date (many probiotics are only guaranteed at the time of
manufacturing.)

Benefits include being less bloated, having embarrassing digestive issues
vanish, less frequent bathroom trips and amazing sleep through the night. GNC
stores secured the exclusive retail rights to Peptiva’s US launch but may soon
be available in Vitamin Shoppe, Vitamin World, Walgreens and more. Right now new
customers can try Peptiva to see how it works for them.

Claim Your 2-Week Supply of Peptiva >>




12. HEALTH DISCOUNTS FOR SENIORS

Health related expenses can add up quick for seniors. Be sure to use these:

RiteAid: Offers a wellness 65+ program for seniors that includes 20% off of
purchases on the first Wednesday of each month. The program also includes a free
consultation with a pharmacist.

RxFreeCard:: Includes discounts on prescriptions for seniors.

Atera Spas: Includes special prices on products for seniors.

AARP prescription savings: Members save an average of 61% on FDA-approved
prescriptions not covered by insurance.





13. SECURE $150,000 LIFE INSURANCE FOR A LOW COST THANKS TO A BRILLIANT POLICY
IN SEPTEMBER

If you don't have life insurance, you better read this.

It's not something any of us like to think about or plan for. But when the worst
happens, it's essential to know your family and loved ones are protected. That's
why it's essential to have a life insurance. A life insurance policy can help
cover the cost of a mortgage, safeguard your family from inheriting any debts
you might have and even help cover the cost of funeral arrangements.



But the sad truth is, a shocking number of seniors do not have a life insurance
policy and their family is at financial risk if the worst should happen.

Why are there so many seniors without life insurance? Sadly, many think that
they can't afford it. But the reality is, life insurance rates are more
affordable that you'd think in 2021. You could be eligible for $150,000 life
insurance policy at a low cost!


HOW DO I SEE IF I'M ELIGIBLE?

It costs nothing to check, and only takes a few minutes, so it’s very much worth
your time. Select your age below to see what policies are available to you. Your
family will be so grateful!


STEP 1: TAP YOUR AGE BELOW.


STEP 2: ANSWER A FEW QUESTIONS TO SEE IF YOU'RE ELIGIBLE FOR $150,000 LIFE
INSURANCE AT A LOW COST. CLICK HERE TO SEE IF YOU'RE ELIGIBLE.

Select Your Age:





Yes! I Want To Check My Eligibility Now >>





14. AUTO SERVICE DISCOUNTS

Is your car due for service? Be sure to use these:

Pep Boys: 10% off for 55 and over

Jiffy Lube: 10% off for 55 and over





15. NEW AUTO POLICY SAVES SENIORS BIG IN 2021

Here’s what auto insurance companies don’t want you to know...and what thousands
of consumers are quickly learning about their current auto insurance plan:

If you're paying more than $63 per month for auto insurance, this auto insurance
comparison tool can help you check to see if you're overpaying in a few minutes.
This is something every driver should be doing every 6 months or so to ensure
that they are getting the best deal.





Insurance companies are always competing to win your business, but if you turn a
blind eye and keep the same policy in place for a long period of time, your
rates might have increased. By checking rates, drivers saved an average of $531
per year with a new policy.

So do yourself a favor and do a quick comparison by filling out a short form
(about 4 minutes). This is a fast way you can start saving on your auto bills.

Compare Auto Insurance Rates >>




16. USE THIS DEBT PAYOFF PLAN

Here’s what credit card companies don’t want you to know...and what thousands of
consumers are quickly learning about paying off their debt:

If you owe more than $15,000 in credit card debt, this proven debt relief
program may reduce the amount you owe. Consumers could resolve their debts with
absolutely no loan required and pay it off at a rapid pace. If you’ve struggled
to pay your credit card debt, act now before your debt balloons further.



Learn The Secret To Resolving Debt >>




17. HEALTH AND BEAUTY DISCOUNTS

Here are some various discounts that could certainly be useful:

Great Clips: Great Clips offers various discounts for seniors

YMCA: YMCA offers discounted membership fees for 65 and over





18. SENIORS WITH BAD KNEES GET A SAMPLE OF GNC'S #1 JOINT COMPOUND INSTAFLEX
ADVANCED TO TRY THIS MONTH

If you deal with joint discomfort, you need to see how you can claim a 2-week
sample of GNC's #1 Joint Compound to try.

Formulated by renowned Doctor, David Katz, Instaflex Advanced has become the
best selling joint solution product at GNC and Walgreens. Thousands of seniors
across the US and Canada are enjoying joint relief everyday with it.



The best part? You only have to take 1 small capsule a day and many start to
feel a difference very quickly!

The company behind Instaflex Advanced has agreed to allow new customers to try a
sample throughout 2021. You can go to their website by clicking the button below
to claim your sample to try. Samples ship within 24-48 hours, so you'll have it
quickly too!

Claim Your Sample Of Instaflex Advanced >>




19. DITCH YOUR HOME INSURANCE & GET UP TO $536 BACK A YEAR WITH THIS LUCRATIVE
ONLINE TOOL

Here's A Clever Way That American Homeowners Are Getting Up To $536 Per Year Off
Their Current Home Insurance Bill

Still unknown to many is a brilliant online tool we're calling "The Amazon Of
Home Insurance" that could benefit millions of Americans and reduce their home
insurance payments by as much as $536 per year! You could bet the home insurance
companies aren't too thrilled about losing all that profit and might secretly
hope homeowners don't find out before the rules change.



TIP: When you cancel your current home insurance policy, you should be entitled
to a full refund of the remaining premium. That means you are NOT locked into
your policy and will not lose out by cancelling it. Enter your zip code to see
if you qualify for a new, cheaper policy now >>

So while the insurance companies pray that you don't learn about this, we're
making a nationwide push and urging homeowners to take advantage of this free
online tool. This tool is currently online as of September, but it could be
taken down at any time. But the good news is that once you're in, you're in. If
lowering your payments and putting cash back in your pocket would help you, it's
vital you act now and see if you could qualify for massive savings in today's
marketplace.

URGENT: So many homeowners could still benefit today, but sadly, many do not
realize this online tool exists. Remember, this online tool is free and there's
absolutely NO COST to see if you qualify for a cheaper home insurance plan. See
if you qualify now before it's gone >>


HOW DO I QUALIFY?

Step 1: Click how long you've lived in your home to instantly check your
eligibility for free.

Step 2: View your new lower rate and save money! Click here to get your new
rate.

Home many years have you lived in your home?





Yes! I Want To Check My Eligibility Now >>








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