Poor Man Survival
Self Reliance tools
for independent minded people…
ISSN 2161-5543
A Digest of Urban Survival Resources
Some of the Best Freebies You Can Get
if You’re 65
Here’s a compiled list of great
discounts available. Not only can you read about them here, you can click the
link provided if you want to take advantage of an entire report of special
discounts and sideline money-making resources we’ve compiled below!
1.
Get Up to $4,264/year Off Your Mortgage
If you’re a homeowner born before 1985 and you want to save yourself
thousands of dollars this year, there’s a government program that you might be
able to take advantage of called HARP. The Home Affordable Refinance Plan (HARP) is helping hundreds of thousands of Americans reduce their monthly
payments by as much as $3,500 in their first year. The program was set to expire in 2017, but has been recently
extended through 2018. In order to qualify for HARP you’ll need
good credit, so if you don’t have a good credit rating then this probably isn’t
for you. If lowering your payments, paying off your mortgage faster, and having
an extra $290 a month in HARP savings would help you, then this could be the
easiest money savings tip you take.
2.
Get a Lower Auto Insurance Rate
You might think you’re already paying a low auto insurance rate, but
recent research shows that only 5% of Americans over the age of 55 are paying
less than $50 per month for car insurance. If you’re currently paying more than
$50 per month, and have had no accidents or tickets in the past two years, you
can probably secure a much lower car insurance rate. The best way to do that is to compare quotes from multiple
insurers – let them compete for your business. In fact, there’s
a new website that allows you to do just that – it’s called Best Quotes Auto Savings. Once you fill out the form on their website they’ll provide you with
multiple quotes you can choose from. If you’re still not satisfied, you can
always call up the major car insurance companies and let them know you’re
looking for better offers and that you’re a senior citizen.
Never
Pay For Home Repairs Out-of-Pocket Again
Many people simply don’t have enough
money lying around to pay for expensive home repairs. Your home insurance won’t
cover your washing machine or AC breaking. What if your heater breaks when you
need it the most? How many people have hundreds, or in some cases thousands, of
expendable dollars to spend at a moment’s notice for a big repair?
This
is why many homeowners are getting this new Home
Warranty Program and they’re ending up saving thousands in the long run.
ACs, electrical heaters, appliances, roofing repairs – they’re all covered! If
there’s something they can’t fix they will just replace it.
Born
Before 1965? Claim Your Free 72 Hour Survival Food Kit
This special promotion is currently available to anyone born before
1965. With floods, tornadoes, and other natural disasters on the rise, Lindon
decided that they wanted every senior citizen to have access to their survival
food kits. That’s why they currently have a special promotion for American
citizens to get a free 72 hour survival food kit (just pay the S&H fee).
They source most of their raw ingredients from the “fresh produce” category – picture the delicious veggies you find in season at your local farmer’s market. No harmful chemicals, no GMOs and no added MSG.
They source most of their raw ingredients from the “fresh produce” category – picture the delicious veggies you find in season at your local farmer’s market. No harmful chemicals, no GMOs and no added MSG.
They also combine their top-quality ingredients using prize-winning recipes so that they’re loaded with flavor. Many of their recipes have won independent taste tests. We recommend giving them a try and taking advantage of this special offer.
Save
on Life Insurance
Unfortunately, as our age increases
so do our premiums for life insurance. In fact, typically the premium amount rises
8-10% for every year of age. For senior citizens, rising life insurance policy
costs can add up significantly.
Many
senior citizens also have a hard time qualifying for a new policy once they
reach a certain age. The best way to get the cheapest life insurance policy
possible is to compare quotes from multiple carriers the same way you would do
with car insurance or cell phone plans. National
Family is a great resource to use for just that. They will
automatically use your information to find you the best life insurance policy
for your needs at much lower prices.
Go
Solar And Cut Your Energy Bill
Did you know you can significantly
reduce your monthly electric bill and pay nothing for it? If you live in a
qualified zip code you can get paid to go solar! Thanks to a little-known
rebate program called Federal Residential Renewable Energy Tax Credit,
homeowners who live in specific zip codes are getting thousands in rebates to
install solar panels.
Many
people were shocked that subsidies and rebates cover 99% of costs associated
with installation so it literally costs $0 to have done. Learn
more about this program and check if your zip code qualifies. Senior
homeowners can literally save $1,000’s of dollars just by using this program.
Hotel
Rooms
If you want to settle down for the
night someplace away from home you can be sure to get a discount at Marriott,
Comfort Inn, Motel 6 and more.
Keep in mind that discounts may vary
and change without notice.
■ Marriott – 15%
discount (62+). You can book online or call and ask for the senior discount
■ Red Roof Inn – option of “senior rate” when you book online, may not be available for all locations
■ Choice Hotels – 10% discount if you book in advance (60+)
■ Hyatt Hotels – up to 50% off in participating locations. To qualify for this deal you have to make a reservation in advance and book for two people (60+)
■ La Quinta – varying offers at participating locations (65+). Book online or call and ask for senior discounts
■ Omni Hotels – varying offers at participating locations (55+)
■ Motel 6 – 10% discount (60+). Call and book over the phone in order to get discount
■ Wyndham Hotels – varying offers at participating locations (60+)
■ Hampton Inns & Suites – 10% off when booked 72 hours in advance.
■ Red Roof Inn – option of “senior rate” when you book online, may not be available for all locations
■ Choice Hotels – 10% discount if you book in advance (60+)
■ Hyatt Hotels – up to 50% off in participating locations. To qualify for this deal you have to make a reservation in advance and book for two people (60+)
■ La Quinta – varying offers at participating locations (65+). Book online or call and ask for senior discounts
■ Omni Hotels – varying offers at participating locations (55+)
■ Motel 6 – 10% discount (60+). Call and book over the phone in order to get discount
■ Wyndham Hotels – varying offers at participating locations (60+)
■ Hampton Inns & Suites – 10% off when booked 72 hours in advance.
Save
on Groceries
Once you’ve used your senior
discount at all of your favorite restaurants, you’ll need to buy some
groceries. Lots of stores give a senior discount – you just need to ask.
Keep in mind that discounts and
deals may vary and can change without notice.
■ Farm Fresh – 5% discount Tuesdays
and Thursdays (55+)
■ Hy-Vee – depending on location will usually offer 5% discount on Tuesdays and Wednesdays (some stores set age to 65+)
■ Fred Meyer – 10% senior discount on the first Tuesday of every month
■ New Seasons Market – 10% discount every Wednesday
■ Compare Food Supermarket – 10% discount in participating locations, get in touch with your local store to find out more
■ Piggly Wiggly – varying discounts at participating locations
■ Fry’s Food – 10% discount on the first Wednesday of every month to all seniors with VIP card.
■ Hy-Vee – depending on location will usually offer 5% discount on Tuesdays and Wednesdays (some stores set age to 65+)
■ Fred Meyer – 10% senior discount on the first Tuesday of every month
■ New Seasons Market – 10% discount every Wednesday
■ Compare Food Supermarket – 10% discount in participating locations, get in touch with your local store to find out more
■ Piggly Wiggly – varying discounts at participating locations
■ Fry’s Food – 10% discount on the first Wednesday of every month to all seniors with VIP card.
Claim
Free Everyday Household Products
Here’s a little tip most retirees aren’t told about. Chances are you
purchase the same household products on a daily/weekly basis. But what if you
could get free samples sent to you from these very same manufacturers? Not a
lot of people know about it, but you can actually claim free samples from top
brands. If you’re looking for a way to get household goods, pet food samples,
sweet treats, posters, days out vouchers and much more, we recommend signing up
for the Free Samples Guide. Once you provide them with your email address, they’ll let you know
when you’re eligible for the latest free samples and how to claim them.
Special Offer for
our Readers
72-hour Emergency Meal
kit that's being offered contains 16 total servings of such delicious meals as
Blue Ribbon Creamy Chicken Rice, the always-loved Granny's Homestyle Potato
Soup and the stick-to-your-ribs breakfast favorite Maple Grove Oatmeal.
This kit normally sells for $27, plus shipping and handling and
is rated 4½ out of five stars by customers.
While supplies last, these kits are available for only $21.95
and that includes Priority Shipping [we were force to increase prices due to
another round of USPS price hikes]. Go here for this deal:
Yours for
smarter living,
Bruce ‘the
Poor Man’
Additional FREE Resources
Your Free Middle Class Survival Kit
SAVE
& MAKE Money
Researched by our editors and
include 100s of tips, tricks and insider methods of saving money, earning extra money [many from the
comfort of your home], the best places to live, How to find little-known
freebies, discounts and other benefits-over 2,000 programs!
or…
Other
notes of interest…
Living Frugally In Suburbia
You live differently than your neighbors.
You live differently than your neighbors.
14
Frugal Food-Rescuing Tips from Grandma
These depression-era frugal tips still work today!
These depression-era frugal tips still work today!
8 Simple Ways to Put More Money in Your Pocket
Have more money without working harder!
Have more money without working harder!
Knowing
When and How to Stockpile Groceries
Stocking up could save your grocery budget!
Stocking up could save your grocery budget!
Small homes are all the rage. But just how much does a tiny house cost? We have the answers, along with an analysis of how much money you can save living in a tiny home.
When you’re planning a trip, most likely you’re thinking about the cost. Then, you’re probably wondering which card to use to get the most points out of your trip. But the problem with using a credit card while you’re traveling is going overboard on your spending. An alternative option--prepaid cards.
Sudden windfalls can take many forms. You could bring home extra cash from gambling winnings, an inheritance, or even a financial gift. No matter where the money comes from, though, it’s important to plan how to put it to work for you.
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