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16 Biggest Discounts and Benefits Many Seniors Forget to Claim

With the economy heading the way it is, there has never been a better time to tighten up our finances. We highly recommend you bookmark this page!


Charles Smith  | 



With a potential recession hitting in in 2024, a not so booming economy, and interest rates through the roof, the need to protect our retirement has never been more real. By implemeninting just 2 or 3 of the following savings some of our readers have reported thousands of dollars in savings.

There's no reason why every person over 50 doesn't take advantage of these incredible discounts & offers available to them.

#1 - Senior Tax Credits


Senior tax credits in the USA are specifically designed to alleviate the tax burden on the aging population. The amount of these credits vary depending on income and filing status, potentially lowering the tax liability of qualifying individuals. Some states offer their own versions of income tax credits for seniors. It's important for seniors to consult with a tax professional or use reliable tax software to ensure they're claiming all the credits they're entitled to. You can now talk to professional US tax consultants online instantly here to ask. Below are examples of programs you could qualify for.

  • Increased Standard Deduction: The specific amount depends on your filing status and changes each year.
  • Veteran Discounts: Many discounts are available throughout the USA
  • Social Security Tax Exemption Depending on certain factors this could be increased or descreased.
  • Business & Hobby Deductions: Your hobbies or business may qualify for new reductions.
  • Medical Expense Deductions You do have the option to itemize and deduct certain medical bills.
  • Elderly or Disabled Tax Credit: Be sure to ask a finance expert if you believe you might be eligible for this deduction. (We like this one a lot!)
  • Charitable Deductions: Track all donations and pay less tax.
  • Retirement Plan contributions: There are new rules that may save more.
  • Estate & gift Tax: These can come in handy in later years.
  • State Senior Tax Exemptions: Many states offer specific tax benefits to seniors.

    Click to Ask a Tax Expert Online

    #2 - More Than $10,000 in Debt? Use This Brilliant Debt Payoff Plan


    Important: Money Has Never Cheaper, But Banks & Credit Card Companies Continue to Overcharge - There is a Way Out.

    Interest rates are at an all time low, but some people might be paying extremely high interest on their existing debt. People that carry large amounts of debt don't need the burden of increasing interest payments every month. But credit companies may not want you to find out about the alternative.

    For anyone with more than $10,000 in tax debt, this debt relief program may reduce the amount of money owed and drastically cut payments, while paying the debt faster. The program can resolve debt without a loan, and many have become debt free in 24 – 48 months by using this one strategy. Those with over $10,000 or more in debt can click here to qualify for reduced payments.

    Click to Qualify for Debt Relief

    #3 - Born Before 1985? Take $3,564/year Off Your Mortgage with the Fed Rate "Enhanced Relief" Program


    If you're a homeowner, this one thing could save yourself thousands of dollars this year...

    The Freddie Mac Enhanced Relief Refinance (FMERR) initiative has been updated in 2023. It provides opportunities to borrowers with existing mortgages who are making timely payments. there are new loan-to-value (LTV) limits which could help people qualify now. This new change is designed to help the average American homeowner reduce their payments by $3,408/year (or $284/month) amidst the higher interest rate environment.

    There's no telling when the program could expire, so it's suggested that homeowners visit the Fed Rate Watch Savings website to check their eligibility right away.

    So while the banks happily wait for this program to end, the Government is making a final push and urging homeowners to take advantage. This program is currently active but could be shut down at any given time. The good news is that once you're in, you're in.

    So if reducing your payments or rates by $284/month, paying off your mortgage faster, or even taking some cash out would help you, it's important to check your eligibility here. Checking your eligibility is quick and completely free!

    How do you qualify?

    Click on your state - Checking your eligibility is quick and completely free!


    Take the Short Quiz to Qualify Online
    Qualifications: Homeowners in the USA who owe less than $769,000 can qualify online to reduce their mortgage payments or interest rates through this new program.

    #4 - Secure Your Home without Breaking the Bank


    Introducing Sight Bulb™: the groundbreaking security camera that effortlessly fits into any light socket! Ideal for homeowners, parents, pet owners, and businesses, this innovative device offers a seamless blend of illumination and security.

    Keep an eye on what matters most with ease and affordability. Transform your ordinary light socket into a smart security solution today with Sight Bulb™.

    Learn More About Sight Bulb™

    #5 - New Rules - Discounts on Car Insurance in 2021


    With the increase in driving, competition among insurance companies has grown drastically. While these companies are surging in profits, consumers often discover great financial gains when they express intent to switch providers or uncover more competitive rates elsewhere.

    Did you know that in 2023 you can get a huge discount on car insurance? Many people are surprised to see they can pay less than $50 per month on insurance. You can easily check new rates by using this quick and free online tool.

    Discover Auto Rates Under $50

    #6 Ditch Your Home Insurance & Get $536/year Back a Year With This Lucrative Online Tool


    Here's A Clever Way That American Homeowners Are Getting $536 Back a Year

    Still unknown to many is a brilliant online tool being dubbed as "The Amazon of Home Insurance" that could benefit millions of Americans and reduce their 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.

    So while the insurance companies pray that you don't learn about this, experts are making a nationwide push and urging homeowners to take advantage of this free online tool. This tool is currently online as of February, 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.

    Don't Miss Out

    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?

    #7 - Affordable Pain Relief & Wellness With Red Light Therapy


    Perfect for the budget-conscious and older demographics, this innovative therapy offers a multitude of benefits ranging from improved skin health to enhanced muscle recovery, all without the hefty price tag of traditional treatments. NuNaWave Red Light Therapy goes beyond standard wellness practices, offering a versatile solution for a range of health concerns, especially prevalent in older demographics. It's remarkably effective in alleviating chronic conditions like neuropathy, a common ailment that causes discomfort in hands and feet. By enhancing circulation and reducing inflammation, this therapy can significantly ease foot pain, hand discomfort, and joint issues in the knees. /p>

    Its gentle, non-invasive approach promotes healing and pain relief without the need for medication or invasive procedures. Whether you're seeking relief from day-to-day aches or looking for a holistic approach to managing chronic pain, NuNaWave Red Light Therapy offers a safe, effective, and budget-friendly option.

    Discover Better Pain Treatment

    #8 - 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. The entire goal of a bulk buy is to make sure that the cost per unit is as low as you can possibly get it, then buying a ton when that cost per unit is low.

    Before going to get groceries, make a list of groceries that you need for the upcoming week. That way, you only buy what you're intending to use and the amount that will get thrown away from being expired is kept to a minimal.

    #9 - You May Never Pay Out-of-Pocket for Home Repairs Again


    Unexpected home repairs can be catastrophic to the finances of seniors on a fixed monthly budget. Unfortunately home insurance will not cover the refrigerator, stove or washing machine breaking down unexpectedly. Same goes for your heater in the winter or AC unit in the summer. If any of these items break, it can run hundreds or even thousands of dollars.

    This is why so many homeowners have taken such an interest in this Home Warranty Program that supplements homeowners insurance. It can end up saving thousands by protecting unexpected home repairs. The AC, furnace, appliances, roofing repairs – they may all be covered! If there's something they can't fix, they may just replace it!

    #10 - Discounts on Solar Panels Plus %26 Rebate (Limited Time Offer!)


    Warning: Do not pay your next energy bill until you read this...

    This is the 1 simple truth your power company doesn't want you to know. There is a new policy in 2023 that qualifies homeowners who live in specific zip codes to be eligible for $1,000's of Government funding to install solar panels. Has your power company told you that? Of course not. They hope homeowners don't learn about this brilliant way to reduce your energy bill tremendously!

    When homeowners check whether they qualify many are shocked that subsidies and rebates can cover a lot of the costs associated with installation so it greatly reduces the amount you'll have to pay. Many may qualify for $0 down! Soon, you could be on your way to significantly reducing your electric bill in a matter of weeks.

    Smart homeowners are using this free online tool to see how much savings they could expect. Over and over again, many are reporting back that they are now able to save $1,000s a year on their own energy bill.

    Qualify for the Solar Rebate

    #11 - Take Full Advantage Of These Tax Deductions


    Owning a home can be very lucrative. Seriously, owning a home can not only give you a cheaper monthly payment than renting but in many cases, the tax benefits make the decision a no-brainer.

    Here are a few of the larger deductions that you need to be sure to take in 2023:

    Interest you pay on your mortgage: If you own a home and don’t have a mortgage greater than $750,000, you can deduct the interest you pay on the loan. This is one of the biggest benefits to owning a home versus renting–as you could get massive deductions at tax time. The limit used to be $1 million, but the Tax Cuts and Jobs Act of 2017 (TCJA) reduced the limit and made some clarifications on deducting interest from a home equity line of credit.

    Property taxes: Another awesome benefit to owning a home is the ability to deduct your property taxes. Before TCJA, the rules were a little more flexible and you were able to deduct the entirety of your property taxes. Now things have a changed a bit. Under the new law, you can deduct up to $10,000. The deduction for state and local income taxes was combined with the deduction for state and local property taxes, too.

    Tax incentives for energy-efficient upgrades: While most of the tax incentives for making energy-efficient upgrades to your home have gone away, there are still a couple worth noting. You can still claim tax deductions on solar energy–both for electric and water heating equipment, through 2024. The longer you wait, though, the less money you’ll get back. Here’s the percentage of equipment you can deduct, based on time of installation:

    Between January 1, 2020, and December 31, 2019 – 30% of the expenditures are eligible for the credit

    Between January 1, 2021, and December 31, 2020 – 26%

    Between January 1, 2022, and December 31, 2021 – 22%

    Click to Ask a Tax Expert Online

    #12 - People 50 and Older Get $1,000,000 Tax-Free Life Insurance


    Unfortunately with every year you age your insurance premium amount rises 8-10%. For some, rising life insurance policy costs can add up significantly. And what's worse is the fact that many have a hard time qualifying for new policies altogether once they reach a certain age.

    Fortunately though, there is a way to get very cheap life insurance policies. You can compare quotes from multiple insurance companies. This amazing website will let you do that and the best part it is totally free!

    They will run your information through their technology to automatically find the best life insurance policies available for a much much lower price. You could end up saving up to 70% on life insurance!

    No medical check and instant approval policies are also available. Click here to see available plans.

    Get Lower Rates on Life Insurance

    #13 - Make Sure Your Windows Aren't Wasting You Money


    Windows that are poorly insulated can let heat escape and add many extra dollars to your heating bill. If you have a lot of windows in your home, it’s a good idea to take a look around and check on your insulation and seals.

    If you’re living in an older home, chances are you don’t have good seals or insulation on your windows. You can save hundreds of dollars by repairing them. Make this upgrade a top priority especially when temperatures are dropping.

    Homeowners are turning to local window experts for their window repair needs. Get repairs and Save thousands! Use this free tool to get a fast local quote with no obligations.

    Get a Local Window Quote

    #14 - Use Energy Efficient Lighting


    Now that the old-fashioned incandescent bulbs are being phased-out, finding affordable CFL and LED bulb options is getting easier. The total lifetime savings from these energy-efficient bulbs will greatly out-weigh their initial investment and save on overall energy costs.

    #15 - Check Your Water Heater


    Water heaters are one of the cornerstones of comfortable, modern living. Imagine taking a cold shower every day or having to boil water to wash your dishes? It’s easy to take for granted, but your water heater goes through a lot of stress while it does its job.

    Look for the manufacturers sticker on your water heater. You should be able to find the date it was made and installed. If your water heater is over ten years old, replacing it with a brand new one should move up to the top of your home maintenance list.

    #16 - Keep an Eye on Your Roof and Gutters


    It protects you from the rain. It protects you from the snow. Your roof might be the most important part of your house. Makes sense to want to have it in the best shape possible, right?

    One of your first tasks as a new homeowner is to make sure your roof is in perfect shape. Some things to look out for are missing shingles, worn out rubber boots around vents and and pipes, and patches of moss, which could be a sign of water leaks and mold.

    If you think your roof might need work you can save big when local roofing contractors compete for your business. Get quotes from up to four pre-screened, licensed, & insured contractors using this online tool.

    Get a Roofing Quote

    And That's a Wrap...

    If you found any of these savings helpful please share our post with your family and friends.

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  • Fed Rate Mortgage Relief Program


    ALERT: FED CUTS RATES! Homeowners May Save $284/Month or More!

    Check in 60 Seconds