Posts Tagged With: Save money

Disney World Vacation And Savings Travel Guide.


See How Easily You Can
Have A Disney World Vacation For A
Fraction Of What Others Pay

You Don’t Have To Be Rich
To Have An Extravagant Disney World Vacation

A guide to the best tips, tricks and savings available for a Disney Vacation. Strategies that can literally save you hundreds – if not thousands of dollars.

http://tinyurl.com/jboockp

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Be Prepared….How To Recharge (Single Use) Alkaline Batteries


knew this was kind of possible; as a kid we used to leave dead alkaline batteries out in the sunshine for a few hours, and this seemed to recharge them a little bit, so we could get a bit more use out of them… What I didn’t realize is that you can actually purchase specific battery chargers which are designed to recharge dead single use alkaline batteries. Now maybe everyone else knew this, but I certainly didn’t!

This means that once you have purchased a battery charger, such as the: Maximal Alkaline, RAM, Ni-MH, Ni-CD, AA, AAA, C, D, N, 9V BatteriesPower FC999 Universal Rapid Charger, you then effectively have free batteries for life. Our local authority recycles dead batteries, they pick them up with the garbage once a month. If I went out into the neighborhood that day, I could literally collect 1000s of free alkaline batteries which could then be recharged and reused. Even if your local authority doesn’t provide this service, you could still get all the free batteries you need, by asking friends and family to save their batteries for you. You could also ask local stores and commercial premises if they could save their batteries for you.

Just to note – the Maximal Power FC999 Universal Rapid Charger doesn’t just charge alkaline batteries, it also charges: RAM, Ni-MH, Ni-CD, AA, AAA, C, D, N, and 9V batteries, so it’s got you covered for everything. Additionally, you might also want to purchase a battery tester, to check batteries are dead and check how well they have recharged; this SE BT20 9-Volt Battery Tester costs just $3 (with free delivery).

Anyway, this might not be news to some of you, but hopefully it is useful information and saves some money for people that didn’t know. All our flashlights, remotes and radios etc take batteries; not to mention, if you have young kids, you get through a huge amount of batteries with all their toys and games. If nothing else, it is for more eco-friendly to reuse old batteries, rather than just throwing them in the trash…

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Age 50 or above…Discounts…Be sure to ask….


SENIOR DISCOUNTS

Keep this list and send a copy to your senior friends and relatives.
As I was waiting in line behind an older gentleman at Wendy’s recently, I heard him ask for his senior discount. The girl at the register apologized and charged him less. When I asked the man what the discount was, he told me that seniors over age 55 get 10% off everything on the menu, every day.
Being of ‘that’ age myself, I figured I might as well ask for the discount too.
This incident prompted me to do some research, and I came across a list of restaurants, supermarkets, department stores, travel deals and other types of offers giving various discounts with different age requirements. I was actually surprised to see how many there are and howsome of them start at the young age of 50 .
This list may not only be useful for you, but for your friends and family too.
Dunkin Donuts gives free coffee to people over 55 .
If you’re paying for a cup every day, you might want to start getting it for FREE.

YOU ;mustASK for your discount !

RESTAURANTS:
Applebee’s: 15% off with Golden Apple Card (60+)
Arby’s: 10% off ( 55 +)
Ben & Jerry’s: 10% off (60+)
Bennigan’s: discount varies by location (60+)
Bob’s Big Boy: discount varies by location (60+)
Boston Market: 10% off (65+)
Burger King: 10% off (60+)
Chick-Fil-A: 10% off or free small drink or coffee ( 55+)
Chili’s: 10% off ( 55+)
CiCi’s Pizza: 10% off (60+)
Denny’s: 10% off, 20% off for AARP members ( 55 +)
Dunkin’ Donuts: 10% off or free coffee ( 55+)
Einstein’s Bagels: 10% off baker’s dozen of bagels (60+)
Fuddrucker’s: 10% off any senior platter ( 55+)
Gatti’s Pizza: 10% off (60+)
Golden Corral: 10% off (60+)
Hardee’s: $0.33 beverages everyday (65+)
IHOP: 10% off ( 55+)
Jack in the Box: up to 20% off ( 55+)
KFC: free small drink with any meal ( 55+)
Krispy Kreme: 10% off ( 50+)
Long John Silver’s: various discounts at locations ( 55+)
McDonald’s: discounts on coffee everyday ( 55+)
Mrs. Fields: 10% off at participating locations (60+)
Shoney’s: 10% off
Sonic: 10% off or free beverage (60+)
Steak ‘n Shake: 10% off every Monday & Tuesday ( 50+)
Subway: 10% off (60+)
Sweet Tomatoes: 10% off (62+)
Taco Bell : 5% off; free beverages for seniors (65+)
TCBY: 10% off ( 55+)
Tea Room Cafe: 10% off ( 50+)
Village Inn: 10% off (60+)
Waffle House: 10% off every Monday (60+)
Wendy’s: 10% off ( 55 +)
Whataburger: 10% off (62+)
White Castle: 10% off (62+) This is for me … if I ever see one again.

RETAIL & APPAREL :
Banana Republic: 30% off ( 50 +)
Bealls: 20% off first Tuesday of each month ( 50 +)
Belk’s: 15% off first Tuesday of every month ( 55 +)
Big Lots: 30% off
Bon-Ton Department Stores: 15% off on senior discount days ( 55 +)
C.J. Banks: 10% off every Wednesday (50+)
Clarks : 10% off (62+)
Dress Barn: 20% off ( 55+)
Goodwill: 10% off one day a week (date varies by location)
Hallmark: 10% off one day a week (date varies by location)
Kmart: 40% off (Wednesdays only) ( 50+)
Kohl’s: 15% off (60+)Modell’s Sporting Goods: 30% off
Rite Aid: 10% off on Tuesdays & 10% off prescriptions
Ross Stores: 10% off every Tuesday ( 55+)
The Salvation Army Thrift Stores: up to 50% off ( 55+)
Stein Mart: 20% off red dot/clearance items first Monday of every month ( 55 +)

GROCERY :
Albertson’s: 10% off first Wednesday of each month ( 55 +)
American Discount Stores: 10% off every Monday ( 50 +)
Compare Foods Supermarket: 10% off every Wednesday (60+)
DeCicco Family Markets: 5% off every Wednesday (60+)
Food Lion: 60% off every Monday (60+)
Fry’s Supermarket: free Fry’s VIP Club Membership & 10% off every Monday ( 55 +)
Great Valu Food Store: 5% off every Tuesday (60+)
Gristedes Supermarket: 10% off every Tuesday (60+)
Harris Teeter: 5% off every Tuesday (60+)
Hy-Vee: 5% off one day a week (date varies by location)
Kroger: 10% off (date varies by location)
Morton Williams Supermarket: 5% off every Tuesday (60+)
The Plant Shed: 10% off every Tuesday ( 50 +)
Publix: 15% off every Wednesday ( 55 +)
Rogers Marketplace: 5% off every Thursday (60+)
Uncle Guiseppe’s Marketplace: 15% off (62+)

TRAVEL :
Airlines:
Alaska Airlines: 50% off (65+)
American Airlines: various discounts for 50% off non-peak periods (Tuesdays – Thursdays) (62+)and up (call before booking for discount)
Continental Airlines: no initiation fee for Continental Presidents Club & special fares for select destinations
Southwest Airlines: various discounts for ages 65 and up (call before booking for discount)
United Airlines: various discounts for ages 65 and up (call before booking for discount)
U.S. Airways: various discounts for ages 65 and up (call before booking for discount)
Rail:
Amtrak: 15% off (62+)
Bus:
Greyhound: 15% off (62+)
Trailways Transportation System: various discounts for ages 50+

Car Rental:
Alamo Car Rental: up to 25% off for AARP members
Avis: up to 25% off for AARP members
Budget Rental Cars: 40% off; up to 50% off for AARP members ( 50+)
Dollar Rent-A-Car: 10% off ( 50+) Enterprise Rent-A-Car: 5% off for AARP members Hertz: up to 25% off for AARP members
National Rent-A-Car: up to 30% off for AARP members

Overnight Accommodations:
Holiday Inn: 20-40% off depending on location (62+)
Best Western: 40% off (55+)
Cambria Suites: 20%-30% off (60+)
Waldorf Astoria – NYC $5,000 off nightly rate for Presidential Suite (55 +)
Clarion Motels: 20%-30% off (60+)
Comfort Inn: 20%-30% off (60+)
Comfort Suites: 20%-30% off (60+)
Econo Lodge: 40% off (60+)
Hampton Inns & Suites: 40% off when booked 72 hours in advance
Hyatt Hotels: 25%-50% off (62+)
InterContinental Hotels Group: various discounts at all hotels (65+)
Mainstay Suites: 10% off with Mature Traveler’s Discount (50+); 20%-30% off (60+)
Marriott Hotels: 25% off (62+)
Motel 6: Stay Free Sunday nights (60+)
Myrtle Beach Resort: 30% off ( 55 +)
Quality Inn: 40%-50% off (60+)
Rodeway Inn: 20%-30% off (60+)
Sleep Inn: 40% off (60+)

ACTIVITIES & ENTERTAINMENT ;:
AMC Theaters: up to 30% off ( 55 +)
Bally Total Fitness: $100 off memberships (62+)
Busch Gardens Tampa, FL: $13 off one-day tickets ( 50 +)
Carmike Cinemas: 35% off (65+)
Cinemark/Century Theaters: up to 35% off
Massage Envy – NYC 20% off all “Happy Endings” (62 +)
U.S. National Parks: $10 lifetime pass; 50% off additional services including camping (62+)
Regal Cinemas: 50% off Ripley’s Believe it or Not: @ off one-day ticket ( 55 +)
SeaWorld, Orlando , FL : $3 off one-day tickets ( 50 +)

CELL PHONE DISCOUNTS :
AT&T: Special Senior Nation 200 Plan $19.99/month (65+)
Jitterbug: $10/month cell phone service ( 50 +)
Verizon Wireless: Verizon Nationwide 65 Plus Plan $29.99/month (65+).

MISCELLANEOUS:
Great Clips: $8 off hair cuts (60+)
Supercuts: $8 off haircuts (60+)

NOW, go out there and claim your discounts – – – – and remember —-

YOU must ASK for your discount —- no ask, no discount.
I Know everyone knows someone over 50 please pass this one on!!!!!

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Slash Your Cell Phone Bill: Make Free Calls On Your Smart Phone


Your smartphone costs a fortune in monthly fees. But there are new ways to get unlimited voice calling and significantly decrease the number of cell voice minutes you need. So pull out your smartphone, and we’ll fire up a few tools to potentially save you hundreds of dollars on your cell phone bill this year.
Wi-Fi Calling on Cell Phones Explained
Your cell phone can communicate in four distinct ways: voice calls, texts, data over cell networks, and data over Wi-Fi. What many people don’t realize is that connecting via Wi-Fi doesn’t count at all against your cell phone bill. So how can you exploit this loophole to cut down on your overall cell phone bill?
Making voice calls on you computer over the Internet is nothing new; but you can now combine your cell phone with Wi-Fi to make calls for free on your mobile devices. This could enable you to talk over Wi-Fi and downgrade your cell service to the cheapest plan available – one with fewer voice minutes than you’re currently paying for.
Facebook Calling
Facebook recently announced that iPhone users who have the Facebook Messenger app installed can now make free phone calls to other iPhones users through the app. You’ll be alerted to an incoming call with a Facebook notification rather than with your phone’s ringtone, but if you have a Facebook friend with an iPhone whom you call a lot, this could help you conserve cell minutes.
Skype
Facebook is just the latest in a long line of upstarts taking aim at the established cell service market, like Line2 and Viber, but the biggest player is Skype. Their mobile app lets you make free Skype calls to anyone in the world with a free Skype account. But if you want to call any phone number in the US or Canada, whether or not the person you’re calling has a Skype account, you can pay $3 a month for this unlimited privilege. While $3 a month isn’t free, it could save you more than that on your cell service bill. Calling is simple: just fire up the app and dial the number.
Google Voice
Google offers a comprehensive service called Google Voice. With it, you get one unified phone number that rings on your cell or your landline, plus tons of cool features like transcribing your voicemail – and it makes calls over Wi-Fi. But beware: When you use Google Voice to make calls from your cell phone, it still counts against your cell phone minutes, unless you use an additional app like GrooVe IP or Sipdroid in conjunction with your Google Voice account. This combination will give you completely free Wi-Fi calling that doesn’t count against your minutes.
T-Mobile and Bobsled
T-Mobile has embraced free Wi-Fi calling whole hog. They provide an app called Bobsled to make free calls over Wi-Fi. You can call any US number. It works from any Android or Apple iOS device – not just phones, but computers and tablets as well. Surprisingly, this free service from T-Mobile does not even require you to be a T-Mobile customer; it works with any carrier. As of right now there are over 2 million Bobsled users, and T-Mobile says 95% of them aren’t T-Mobile subscribers For this reason, Bobsled is my number one pick for best way to make free WiFi calls on your smartphone.
But How’s the Quality?
I’ve tested Wi-Fi calling in a number of circumstances, and generally, the quality is pretty good – sometimes I’m aware of a slight delay, and some tinny audio quality, but overall comparable to what I get using my cell phone to make calls in the traditional way. And remember, making calls over Wi-Fi isn’t just about saving a few bucks by downgrading to a cheaper plan. Many people have poor cell reception in the places they use it most – in their own homes or at work – places where they might have an excellent Wi-Fi signal. If this is true for you, you might actually get better quality by making your voice calls using Wi-Fi.

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Baby Boomers…..How to Increase Your Social Security Checks


Social Security turns 76 this week, and the program continues to be most Americans’ biggest source of retirement income. However, the size of your payments will depend on how much you earn while working and when you sign up for Social Security. You may also be able to secure additional payments for your spouse, dependent children, and survivors. Here’s how to maximize the amount you will receive from Social Security in retirement:

Work for at least 35 years. Social Security benefits are calculated based on the 35 years of your career in which you earn the most. If you haven’t worked for at least 35 years, zeros are averaged into the calculation, which will lower your payout. “You can improve your benefit if you continue working and replace low-earning years or zeros in your record with higher-earning years later on in your career,” says Jim Blankenship, a certified financial planner for Blankenship Financial Planning in New Berlin, Ill., and author of A Social Security Owner’s Manual.
Earn more. Increasing your income now by asking for a raise or taking a second job not only gives you more spending power now, but will also increase the amount you get from Social Security in retirement. “Any years that you have more income than a prior year, you are increasing your benefit,” says Lesley Brey, a certified financial planner for LJ Brey Inc., in Hawaii.

Wait until your full retirement age. To get the full payout you are entitled to, claim Social Security at your full retirement age. That’s age 66 for most baby boomers and 67 for people born in 1960 or later. If you sign up before your full retirement age, your monthly payments will be permanently reduced. You don’t necessarily need to claim Social Security the same year you retire from your job. “You can use your savings to bridge the time between 62 and 66 while you delay claiming Social Security,” says Kelly O’Donnell, vice president at Financial Engines.

Delay claiming until age 70. After your full retirement age, your monthly payments will increase by 8 percent for each year you delay claiming up until age 70. “You’re not going to get that return anywhere else, and then it will pay out forever,” says Brey. After age 70, there is no additional benefit to further delaying claiming.

Claim spousal payments. Married couples are eligible to claim benefits based on their own work record or up to 50 percent of the higher earner’s benefit, whichever is higher. However, spousal benefits are reduced if you claim them before your full retirement age. “The main way to improve this benefit is to delay receiving it until at least full retirement age, since it will be reduced if you take it at age 62,” says Blankenship.

Claim twice. Dual-earner couples who have reached their full retirement age may be able to claim spousal benefits and then later switch to payments based on their own work record, which will then be higher due to delayed claiming. “If you are going to be delaying until age 70 anyway, this is a way to receive some benefit between age 66 and 70,” says Blankenship.
Include family. If you have dependent children when you claim Social Security, you may be able to secure additional payments for them. To receive benefits, the child must be unmarried, age 19 or younger, or disabled. Each qualifying biological child, adopted child, or stepchild may receive a monthly payment up to one-half of your full retirement benefit amount up to certain annual limits.

Claim on an ex-spouses’s record. If you were married for at least 10 years, you can claim Social Security benefits based on an ex-spouse’s work record.

Don’t earn too much in retirement. If you work and claim Social Security benefits at the same time, some of your benefit may be temporarily withheld if you earn too much. People under their full retirement age who earn more than $14,640 in 2012 will have $1 withheld for each $2 they earn above the limit. For the year you reach your full retirement age, the earning limit jumps to $38,880, and the penalty decreases to $1 withheld for every $3 earned above the limit. Once you reach the month of your full retirement age, there are no restrictions on how much you can earn while receiving benefits and your payments will be recalculated to reflect the withheld payments.

Minimize Social Security taxes. Your Social Security payout may be taxable, depending on how much income you will have in retirement. If the sum of your adjusted gross income, nontaxable interest, and half of your Social Security benefits is between $25,000 and $34,000 ($32,000 and $44,000 for couples), income tax could be due on up to 50 percent of your benefits. If those three items total more than $34,000 ($44,000 for couples), up to 85 percent of your Social Security income may be taxable.

Maximize survivor’s benefits. Widows and widowers are eligible for the higher earning spouse’s full retirement benefit. The higher earner can maximize the benefit the surviving spouse will receive by waiting to sign up for Social Security. “If you want the maximum amount for the survivor, the higher earner should wait until age 70,” says Brey.
Sign up for direct deposit. You’ll get your Social Security payments faster and can avoid fees and a trip to the bank by having them directly deposited to a bank or credit union account. New Social Security recipients no longer have the option to receive their payments as paper checks through the mail, but must have their Social Security payments directly deposited into a bank account or loaded onto a Direct Express Debit MasterCard. Existing Social Security recipients have until March 1, 2013, to select one of these forms of electronic payments.

Make sure your work counts. The Social Security Administration began offering the option to view Social Security statements online on May 1, and one million people have already downloaded their statements. It’s important to check your online Social Security statement annually to make sure your earnings history and Social Security taxes paid have been recorded correctly by the Social Security Administration. If you spot any errors, take steps to correct them while you have your current tax information handy. Make sure you are getting credit for the taxes you are paying into the system.

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