A Discount On Your Cell Phone Bill? Yup!
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.
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
Senior Discounts at Your Grocery Store
Did you know that many grocery stores offer senior discounts? Here are the best senior discounts at your local grocery stores!
American Discount Stores: 10% off every Monday (62+)
Fred Meyer: Senior Discount: 10% – 15%, depending on dept., first Tuesday of each month (55+)
New Seasons: 10% off every Wednesday most items (65+), 10% off every Tuesday for military
Publix: Publix grocery stores have discontinued their weekly discount for senior shoppers. “Effective Dec. 27th, Publix will no longer offer the 5 percent senior discounts to customers.”
Here are some senior discounts you can use when traveling:
Greyhound: 5% off for 62 and over
Amtrak: 10% off for 65 and over
National Parks Service: discounted senior pass for $80 for 62 and over
Carnival: savings on cruises for 55 and over
Royal Caribbean: reduced prices for 55 and over
Hertz Car Rental: various discounts to those 50 and over
Avis: up to 30% off to AARP members
Payless Car Rental: various discounts to AARP members
Southwest Airlines: various discounts for 65 and over
United Airlines: various discounts for 65 and over
Uber: two free trips on the first day of every month
Go Out To Eat
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
Go Shopping… For A Discount!
Don’t go shopping without knowing these superb discounts:
Goodwill: 10% off for 60 and over on Tuesdays
Michaels: 10% off for 55 and over
Hy-Vee: 5% off every Wednesday for 55 and over
Jo-Ann: a senior discount day that included 20% off for 55 and over
Kohl’s: 15% discount for 60 and over on Wednesdays
Rite Aid: various discounts for 65 and over including 20% on the first Wednesday of each month
Walgreens: discounts for 55 and over or AARP members
Habitat for Humanity Restore: 20% off on Thursday for 55 and over at select locations
Take a Trip To The Theatre
Love seeing a good flick at your local theatre? Here are the top theatre discounts for seniors.
Regal Entertainment Group: Regal Entertainment Group offers up to 30% discount off the regular adult ticket price for ages 60+ (Check your local theatre)
AMC Theatres: AMC Theatres offers discounted ticket prices to customers who are 60 or older with valid photo identification.
Marcus Theatres: Every Friday Marcus Theatres has special admission prices for anyone age 60 and over. Come and enjoy a movie at any Marcus Theatres with our Young at Heart special – only $6.00 for any show that starts before 5:30 PM. Additional charges apply for 3D features. Young at Heart program valid for patrons age 60 and over. Additional charge for 3D, 4DX, UltraScreen DLX, SuperScreen DLX and IMAX. Admission and concession specials available for Friday showtimes before 5:30pm.
Showcase Cinemas: For our patrons, age 60 and older, we offer Senior Wednesdays. Discounted admission is $7.50. Plus enjoy a popcorn & soda for only $4.50
Landmark Theatres: Landmark Theatres has over 50 locations nationwide and offers senior discount pricing at nearly all of them! To find out the senior ticket price for your local Landmark all you have to do is click on your desired showtime and you will be taken to a pricing page – landmarktheatres.com/?portal
No Financial Plan Is Complete Without Risk Management. Do You Have Questions About Your Life Insurance Needs? Call my office at 215-886-2122, We Can Help You With Answers.
We may be able to help veterans of WWII, Korea, Vietnam and other wars qualify for funds that most people don’t know exist. The Veterans need not have participated in these wars but rather just needed to be on active duty within 90 days on either side of these declared wars.
The extra funds could mean the difference between depleting a life savings to pay medical bills and being able to use that savings for retirement or to pass it on to the next generation.
The Veterans Aid and Attendance Benefit can provide around $2,000 a month to pay for all types of medical care, including hospital and doctor care, and also home health assistance.
According to the latest data available from 2017, $3 billion had been allocated by Congress since the law went into effect in 1951 and only 150,000 veterans or spouses of veterans are currently claiming the benefit.
That is only 1% of the 15 million veterans who might qualify. Up to 85% of applicants get rejected on their first application because the process is complicated, but our office can find out if the Veterans qualify and, if so, help them get the funds.
Any veteran who served during the dates of a declared war–including WWII, Korea, Vietnam, Iraq and Afghanistan–is eligible if he or she is 65, received a discharge other than dishonorable, had 90 days of active duty with one day during wartime, and needs help with daily living activities because of health issues.
There are some other minor criteria due to the dates different wars were declared. If a veteran is disabled, the age limit can be lowered. There are income eligibility guidelines, too, but there are techniques, such as setting up an irrevocable trust, that can protect assets while still qualifying for the Veterans Aid and Attendance Benefit.
Some of the problems that could qualify for the benefit are:
- You require the aid of another person in order to perform personal functions required in everyday living, such as bathing, feeding, dressing, attending to the wants of nature, adjusting prosthetic devices, or protecting yourself from the hazards of your daily environment
- You are bedridden, in that your disability or disabilities requires that you remain in bed apart from any prescribed course of convalescence or treatment
- You are a patient in a nursing home due to mental or physical incapacity
- Your eyesight is limited to a corrected 5/200 visual acuity or less in both eyes; or concentric contraction of the visual field to 5 degrees or less
Using the available veterans’ benefits can pay for medical expenses or for an assisted living facility and protect the family’s nest egg at the same time, he says.
The Veterans Aid and Attendance Benefit is completely separate from Medicaid. Applications are separate and can be made for either or both, but the two should not be confused.
The Veterans Benefit is described in four pages of a 1,800-page law, so it is not surprising many Veterans do not know about it.
My office has a process for this question, give us a call at 215-886-2122 to schedule an appointment, we will walk you through the process to see if your estate plan needs to be updated.
We have a 3 page checklist for that. Contact my office at 215-886-2122 and let’s have a conversation to see where your readiness stands for retiring.
- It’s too expensive. Concern over cost is one of the most common reasons people give for forgoing life insurance. And that’s too bad when you consider that many people overestimate the cost of life insurance. That includes Millennials: As a guide, a healthy 30-year-old can get a $250,000 20-year level term life insurance policy for about $13 a month.
- I don’t have any kids. Does your spouse or partner depend on your paycheck to help pay for living expenses? Or do you have a sick parent or relative who would need to hire a caretaker if you weren’t around? These are just a few of the (many) reasons to consider life insurance if you’re childless.
- I’m too young and healthy to worry about life insurance. No one is invincible or knows what tomorrow may bring. If anyone depends on you to make ends meet, you’ll want to consider life insurance. Plus, young and healthy people tend to get great rates–and can often lock in coverage in case their health takes a turn for the worse later in life.
- I’m too old to need life insurance. We all know age is just a number, and that’s certainly the case when someone would face a financial hit without you in the picture.
- My health isn’t great. There are lots of life insurance options for anyone in less than optimal health, so don’t assume you can’t get coverage if you have diabetes or high blood pressure, for example. The key is typically to have the condition under control with a physician’s guidance and medication if needed.
- I smoke. There are many companies that offer life insurance for smokers–just know that you’ll end up paying more than nonsmokers.
- I don’t work outside of the house. Whether you’re caring for young children or aging parents (or both!), you provide invaluable services that would be expensive to replace. Life insurance can help ensure the ones you leave behind get the care they need.
- I don’t have the time to get coverage. These days, it’s easy to get a quote, all you need do is call our office and most applications are e-signed. And there are even policies out there that don’t mandate a medical exam, often called simplified underwriting.
- I don’t know what kind of coverage I need or how much. That’s what four in 10 people give as an excuse, according to the Barometer Study. Our office is glad to sit down with you or have a phone conversation and explain your options.
Give our office a call to discuss your Life Insurance needs at 215-886-2122.
Michael L. Schwartz, RFC®, CWS®, CFS, a registered principal offering securities and advisory services through Independent Financial
Group, LLC., A Registered Broker/Dealer and R visor,
Member FINRA-SIPC. Schwartz Financial and Independent
Financial Group, LLC are separate entities.