An obscure tax law allows those who collect social security to halt current benefits, pay back everything collected (interest-free), and restart benefits at a new, higher rate based on your current age. It's called "do-over" and it can dramatically increase social security.
Here's how it works... Let's say someone qualifies for full benefits of $1,600 a month at their normal retirement age of 66, but they decide to begin collecting benefits at 62. As a result, their retirement benefits will be reduced by 25% for the rest of their life (to $1,200 a month in this example) because they'll be collecting a smaller benefit for a longer period of time.
On the other hand, if that person delayed collecting benefits, they will receive an 8% credit for every year beyond their normal retirement age until they reach 70, when their maximum benefit will be 132% of what they would have received at age 66. In this example, this person would receive about $2,100 a month at 70 -- a $900 difference!
Most don't realize this option is available to them, but that doesn't mean it's for everyone. Be sure to crunch the numbers and speak with a qualified advisor before doing anything drastic.
Homeowners who have not signed up for the Homeowner Relief stimulus program should do so before deadlines are announced. Check Your Eligibility Here
January — Time may be running out for one of the easiest ways for homeowners to put cash back in their pocket this year.
Still unknown to many, a 2020 Homeowner Relief Program could benefit homeowners by giving back as much as $3,252 per year. You can bet the banks are not too thrilled about losing all that profit and are secretly hoping homeowners don't find out about the program before time runs out.
» Check Your Eligibility Here
While the banks happily wait for this program to end, the Government is making a final push and urging homeowners to take advantage. The program could end at any given time — but there's good news for those who check their eligibility right away. Homeowners can check their eligibility now and claim their monthly mortgage savings before the program expires.
So if lowering your payments, paying off your mortgage faster, or even taking some cash out could help you, it's important to check your eligibility right away here ».
Millions of homeowners could benefit from the $3,252 Relief Program this January, but many incorrectly believe the Program is not for them. That couldn't be further from the truth.
This stimulus is a free program that is intended to help by giving back to the average American homeowner.
Check your eligibility here »
How Do I Claim The Mortgage Relief?
Anyone with a mortgage is free to check their eligibility. Keep in mind that homeowners that indicate a "Good" or better credit score and a mortgage balance over $100,000 may qualify for a greater mortgage payment reduction!
Here's how to do it...
Step 1: Select your state below and answer a few simple questions on the next page.
Step 2: After you complete the survey, you will find out how much you get back. It's the easiest way to put money back in your pocket this year!
Remember: The program is completely free and it only takes about 60 seconds to check your eligibility.
Here's something the power company doesn't want you to know. A little-known government program allows qualifies homeowners who live in these specific zip codes to receive $1,000's in Government funding to install solar panels.
The program is called the Federal Residential Renewable Energy Tax Credit, which provides subsidies and rebates that can cover most of the costs associated with installing solar panels.
Has your power company told you that? Most likely not. Once homeowners go solar, their energy bill is drastically reduced — often to $0 or close to it. You can bet the energy companies are not too thrilled about that.
Homeowners can check if their zip code qualifies here and be on their way to eliminating electric bills.
This one is really aggravating and borderline criminal (if not outright criminal). Most banks offer overdraft protection. Basically encouraging people to spend more than they have in their account and the bank will cover you. For this benefit, you'll simply pay interest on the overdraft until it's paid back.
Here's the catch: In addition to interest, banks now charge a fee as well. The fee can range from $10 to as high as $50 on top of the interest charges.
Avoid getting trapped in this gimmick if at all possible. In most cases people are better off using a credit card if push comes to shove.
As a way to stimulate the economy, a new Federal "Remodel Incentive" has been announced to help homeowners pay for home improvements.
Homeowners that visit the Cash Out Quote Website are surprised to learn that they may qualify to receive over $100K in a cash out payment from equity, thanks to this initiative.
While most homeowners are using their cash payment for home improvements and repairs, others are using theirs to pay off credit cards, fund a college savings account, or to pay for other expenses.
Banks, however, are not too fond of the incentive as it could also allow qualified homeowners to reduce their mortgage by as much as $3,252/year!
Note: The deadlines for the incentive has not yet been announced, but you can bet it won't be around forever. So if receiving cash to pay for home improvements or other expenses would help you, it's best to check your eligibility right away.
» Click here to check your eligibility.
With more and more people switching to subscriptions like Netflix and Hulu, it doesn't really make sense to pay a big cable fee each month anymore. Comcast, for instance, charges the same fee as a full Netflix subscription just to get basic/local channels and 50+ single program channels that nobody actually watches. But there's an even better solution to switching to an online network subscription--use a BlueWire TV Antenna.
Once you use BlueWire, you'll wonder why you've been paying for cable all these years. Most broadcast stations offer additional regional programming, absolutely free--and BlueWire let's you watch all of those channels in High-Def 1080p. The device attaches to the antenna jack of any TV and can receive broadcast signals from up to 30 miles away. On top of having access to so many channels for free, you'll find that it takes less time setting up your antenna than it does trying to call and cancel your cable service. Plug it into your tv and forget about it!
Many homeowners 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? Who amongst us has hundreds or even thousands available at a moment's notice for such a repair?
This is why many homeowners are getting this new Home Warranty Program and they may end up saving thousands in the long run. The AC, electrical heaters, appliances, roofing repairs – it's all covered! If there's something they can't fix, they will simply replace it.
With the skyrocketing cost of living in the United States, more and more adults are struggling with financial debt than ever before. And with interest rates snowballing the amount owed, owing on your credit cards can seem like a trap that can never be escaped. Here's what credit card companies don't want you to know...
Adults born before 1985 that owe more than $15,000 in credit card debt can use this debt relief program to reduce the amount of money they owe. The program helps resolve debt without loans -- allowing many to become totally debt free in just 24 – 48 months.
So if you carry $15,000 or more in credit card debt, then click here to find out how to reduce your payments!
Life insurance is a must for anyone with a family. Most people don't have savings large enough for their family to pay off their mortgage, cover childcare costs and ensure their children get a good education, never mind ensuring your loved ones don't inherit your debts.
Life insurance companies know all of this and the bigger the policy, the more they profit. So, they've been charging high rates for years – but that's all starting to change.
Fortunately there is a way to get very cheap life insurance. All you need to do is compare quotes from multiple insurance companies online. This amazing website does that for you, and the best part is it's totally free! The site will run your information through their technology to automatically find the best life insurance policies available at the lowest possible 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.
We've all been there. It sounded like a dream come true during the pitch. Maybe you even got a few good uses out of it, but it's time to get rid of that expensive time share.
Here’s some exciting news: there is a program that will swap your keys for CASH called MyTimeShareExpert.com which not only gives you cash for your timeshare, is upfront about the entire process (unlike your timeshare).
Do yourself a favor and click the link below to see if your timeshare allows you to sell and what this company can do for you.
FIXD was one of the biggest Kickstarter campaigns ever. It’s a revolutionary device that allows YOU to know what’s wrong with your car before taking it in to a mechanic so they can’t take advantage of you ever again. Just plug it into your car, pair the FIXD device with your smart phone, and voilà! It tells you EXACTLY what’s wrong with your car, no mechanic needed! Use this to save on expensive car repairs right away.
Nobody likes to be freezing in their own home, especially with the weather forecast this Christmas. Long, freezing cold days can quickly become so unbearable that you don't want to get out of bed. However, nobody likes the big bill that comes with heating your whole home either. That's precisely why the Zen Heater was invented. It’s a portable heating unit without all the installation nightmares that come with standard units. Simply plug it in and wait roughly 1 min and you'll be nice and toasty. And the best part is, it uses less energy than your laptop and the built-in thermostat turns the heater off when the desired temperature is reached!
Did you know back, knee, and hip pain is often due to an issue in the feet? Think about it – your on your feet all day! Any slight misalignment affects your entire body, especially your spine. The team at MindInsole has created a revolutionary foot insole that combines ancient reflexology with modern magnetic technology to deliver 400 different accupoints of relief for your feet. It also improves circulation in your feet to relieve forms of neuropathy. To date, Mindinsole has helped millions of people suffering from chronic back pain, plantar fasciitis and diabetic neuropathy!
Wifi technology is hard to predict and many people think they need to upgrade their existing internet because internet service providers want you to think you really need pay for faster speeds to do basic things like surf the web or checking email--in most cases, you really just need a signal boost, and with this tool, you can enjoy Youtube in bed or scrolling through your favorite news sites on the toilet (haha!) without worrying about connectivity issues ever again.
Super Boost Wifi is great for any home and is much more economical than increasing your monthly internet bill!
Why We Love Super Boost WiFi: With the Wi-Fi booster, you can make sure your home is covered from corner to corner. Don’t let this simple problem get in the way of your ‘Me-time’. You’ll thank me later. Click Here To Learn More About Super Boost WiFi »
This simple keychain can save your life. Fitting in the size of your palm, this extra layer of security roars an ear-splitting alarm (130 dB) that scares off attackers and calls for help. Even if you’re walking to your car in an empty dimly lit parking lot, you’re never really alone. Stop fearing for your personal safety and experience why 93,000+ women are calling this simple device their “invisible bodyguard.” Order today and get up to 75% off while supplies last.
Whenever you buy a new computer, everything feels fast and it is fun to use. A few months later, the computer starts slowing down, and eventually, you wonder how was this the same computer you bought when it was brand new? This new Gadget called Xtra PC works with any computer (Mac or Windows) made after 2004, and it is FAST (and will never slow down).
You can plug this little USB device into your computer, restart your computer and start using Xtra PC immediately. This will bypass your older/slow computer and operating system while STILL having access to all of your files and it comes with the programs you need to browse the web, send/receieve emails, listen to music, etc.
Get this amazing brand new computer on a memory stick now--before special offers run out!