10 Smart Discounts and Advice for a Great 2019 Start

1. Debt Relief

Stepping into retirement can be pretty daunting. Doing it with existing unsecured debts can make it even more of a challenge. Debt Settlement allows you to combine all your unsecured debts into a single monthly payment. Generally this allows for much lower payments on a monthly basis than the sum total of the separate debts – making life a lot more manageable. There are many firms out there who will walk you through the process making it simple and painless. If you have more than $20,000 in debt then this is something you should do right away, especially if you have credit card debt.


2. Things You Should Never Buy

Things You Should Never Buy From Supermarket Things You Should Never Buy From Amazon
Making a list and sticking to it when you’re at the grocery store is an easy way to stay within your budget. But there are some things that you shouldn’t put on that list to start with, even if you get big discounts with a grocery store loyalty card.

While Amazon does, indeed, offer many great deals on many items, it doesn’t always offer the best deal on every item it sells. We asked several shopping experts to weigh in on which products online shoppers should avoid on Amazon.


If you’re a homeowner born before 1985 and you want to save yourself thousands of dollars this year, there’s a 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 $2,400 in their first year.

The program was set to expire in 2018, but has been recently extended through 2019. 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 $200 a month in HARP savings would help you, then this could be a great money savings tip you could take.


4. Take Care of Your Health

When you see many of these changes in the body, it doesn’t necessarily mean you have a certain medical condition,” says Robin Evans, MD, a clinical instructor at the Albert Einstein College of Medicine, of recognizing subtle or unusual symptoms. “However, a bell should go off in your head to get screened or talk to your doctor.”

Our body gives as many signs about a certain health condition. So, if you see that’s something is going on, visit your doctor, because research shows that early screening could prevent many diseases and even premature death.


5. Get a Life Insurance

Millions of people worldwide rely on the AIG companies to help protect themselves and their families.

With AIG Direct, you can work with one of the global leaders in insurance to help protect your family with reliable and affordable term life insurance. Life insurance coverage through AIG Direct is a solid foundation you can build on to help protect your hopes and dreams, while helping to provide for your family’s financial future.

Since 1995, AIG Direct has helped over six million people in their search to find top quality term life insurance protection at affordable rates. We continue to assist thousands of people each month, helping them secure top-quality coverage across a variety of products.

To help keep things simple, our knowledgeable and licensed life insurance agents work directly with you to find the best life insurance coverage to suit your budget and needs. AIG Direct strives to provide customers with valuable, in-depth and personalized term life insurance information along with the convenience of handling everything right over the phone.


6.Reconsider Your Diet

7 Cancer Causing Foods You Must Avoid

7 Essential Foods Retirees Should Eat (But Don’t)

Did you know the American Cancer Society reports the chances of getting cancer are now 1 in 2 for men, and 1 in 3 for women? Those  shocking numbers from above represents a growing epidemic in the United States.

Now, we should read very carefully the reading labels of any food and avoid those that are harmful.

In their annual cancer progress report, The American Association for Cancer Research reported that: “it is estimated that more than 50 percent of the 585.720 cancer deaths expected to occur in the US in 2014 will be related to preventable causes”.

As you age, it’s important to eat well. This helps keep your body strong, your energy level up, and your mind sharp.

So, following a balanced diet lowers your risk of developing chronic health conditions, such as heart disease and diabetes.

Malnutrition puts you at risk of becoming overweight or underweight. It can weaken your muscles and bones. It leaves you vulnerable to diseases.

We’ve gathered 7 foods rich in fiber, vitamins, minerals, and other nutrients you need to be healthy.

7. Protect Your Home

This money saving idea is for senior homeowners, so if you’re a renter you can skip this one. Did you know that homes without security systems are 2.5 times more likely to be targeted by burglars and intruders?

But installing a home alarm system isn’t just to stop burglars and intruders, it can also save you big money year after year. A house alarm will save you money on your homeowners insurance policy (which is generally mandatory if you own a home).

In fact, on average installing a home alarm system will give homeowners a 10-20% discount on their insurance by having a high functioning home alarm system installed.

The good news is that these home alarm companies are pretty desperate for customers at the moment so you can get a good deal. For instance, one of the best alarm system companies – ADT is currently offering over $850 in free equipment plus a $100 Visa gift card.

It’s also really important seniors have a high functioning alarm system installed so that they can get medical aid in the case of a life threatening emergency, especially for those who live alone.


8. Enhance Your Home to Double Its Value

There always comes a point in our lives when we consider selling our home. Even if that’s not the case for you, the house you live in will remain to your children. That’s exactly why you should do everything you can to increase your house value in time.

Next, we’re going to show you some inexpensive things that make your home have a much bigger worth on the real estate market. It’s time to reveal the secrets that instantly increase your asset value!


9. Make Your Life Easier at Home

Walk-in tubs are designed to satisfy the needs of seniors, the disabled, handicapped or anyone with mobility challenges. Statistics say that falls occur in your bathroom more often than in any other room in your house. The Center for Disease Control tells us that two-thirds of bathroom injuries happen near your tub or shower. Usually they happen when you step over your tub wall, or slip on a wet floor, or when you lean on a glass door that wasn’t designed to support your weight.

It’s another fact of life that these bathroom injuries increase significantly after you turn 65. This is often when your eyesight starts to fade, and you have less mobility and balance. The bottom line? One in three adults over 65 experience falls each year. Right now, many Walk-in Tub manufacturers are offering big discounts to seniors. You can get a free quote on a Walk-in Tub by visiting this website.


10. Prepare Your Retirement

The last thing anyone wants in retirement is to see their hard-earned savings eaten away by everyday expenses. However, you can spend less and save more if you simply avoid places with high costs of living.

If you want to live somewhere where you can retire comfortably, look primarily to the Midwest and the South. In a recent study, GOBankingRates crunched the numbers in all 50 states to determine the cities where you can retire for less than $50,000 a year.

The study analyzed the overall cost-of-living index as well as other cost-of-living factors — such as groceries, housing, utilities, transportation and healthcare — then multiplied these indices by the average annual expenditures of an American aged 65 and older. Of the 10 least expensive cities for retirees, seven reside in the Midwest, with the remaining three cities located in the South.