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.
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 check if their zip code qualifies here and be on their way to eliminating electric bills.
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 – it's all covered!
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.
Did you know that depending on your age and other factors you could get a huge discount on car insurance? Recent studies indicate that only 5% of American drivers are paying less than $59 per month for car insurance. That is probably because most drivers are not taking advantage of the multiple discounts available to them.
Click here to see if you qualify to possibly save a TRUCKLOAD on car insurance.
Your home is one of the largest financial investments you'll make in your lifetime. But it's also an investment that's vulnerable to risk. From water damage, to liability from injuries, to theft — it's important to have insurance in place to safeguard your family and home from financial risk.
Homeowner insurance safeguards your home from a multitude of hazards, including wind damage, fire, vandalism, tornadoes, hurricanes, and thunderstorms. We've partnered with one of the top sites to search for reliable homeowners insurance.
Do you want super-fast, reliable internet without increasing your monthly internet bill? Even up in the attic, down in the basement, or out in the yard? Calling your internet provider never helps and they always want you to pay more to upgrade your already expensive service… and even then things don’t get better!
With Superboost you can make sure your entire home is covered no matter how far away you are from the router! Not only does Superboost improve your WiFi signal strength throughout your house, but it will also improve your internet speed! Never again will you experience any video interruptions or loss of your internet signal. This is truly a device that everyone should have in their home.
🔥 SuperBoost is currently running a FLASH sale. Get up to 50% OFF!
Before you spend hundreds (or even thousands) to “repair” your computer or buy a new one, why not make it fast and like new again for a fraction of the cost with Xtra-PC?!
Xtra PC is a tiny, powerful flash drive that instantly turns your computer lightning-fast again. Nope, we’re not joking! Simply plug it into your computer’s USB port, and within seconds, your computer will be fast again.
Most computers aren’t built to last, and slow down considerably after just a few short years. Make your computer like new again with Xtra-PC for a FRACTION of the cost you’d spend on repairs!
Each week, heaps of dirty laundry pile up inside every home. Washing all those stained t-shirts, smelly socks, and used towels requires scoop after scoop of harsh, artificial, chemical detergents.
But now there’s a better option, thanks to a new invention called WashZilla. Simply add the WashZilla sphere to the washing machine along with dirty laundry. Run the washing machine as usual, and marvel as clothes come out spotlessly clean, fresh, and without any odor.
Picture it: Your computer is filled with various folders of priceless photos and videos that represent all of your precious family memories. “SOME DAY” you’ll take the time to sort, organize and backup all your files … but then disaster strikes. And all of those memories you cherish so much and hoped to create a family DVD with are now gone.
Unfortunately it’s not all that uncommon and happens more often than you think: 31% of PC users have LOST ALL of their files due to events beyond their control. That’s why you need ThePhotoStick.
Photostick backs up and protects up to 60,000 photos and videos WITHOUT you spending any time to do any of it. With ThePhotoStick, you’ll never have to worry about losing your valuable memories to circumstances beyond your control.
Are your memories stuck inside your smartphone, instead of your computer? Do you dread the thought of spending hours swiping through your photo and video libraries, uploading images to your computer and organizing them into albums? Afraid you’ll lose your photos due to a phone snafu (like 1 in 3 smartphone users, who lose ALL their photos and videos from water damage alone)?
ThePhotoStick Mobile is exactly what you need.This easy to use app allows for seamless transferring of photos and videos to your computer. With Photostick Mobile, you can free up much-needed storage space on your smartphone, plus ensure your favorite memories are safe and secure.
These latest generation wireless earphones called PlayBeatz are already transforming the market by changing the definition of “premium quality” that will leave even the most demanding music lovers surprised!
PlayBeatz are the top of the range yet affordable earphones that offer not only the best audio experience but also the complete freedom to do whatever you want. Their ergonomic design ensures that they will stay in your ears whether you’re running, climbing, cycling, or simply camping.
🔥 Playbeatz is currently running a FLASH sale. Get up to 50% OFF!
TvBuddy is another new device that's disrupting the cable TV industry. It uses cutting-edge technology to let you mirror all audio and video from your smartphone to your TV. The possibilities are endless. Watch YouTube, TV streaming services, powerpoint presentations, or simply browse the internet using your large TV as the screen and sound!
It is incredibly easy to use and small enough to be taken anywhere. Use it at home or bring it to the office. Simply plug it into any TV screen using an HDMI Cable, link it with your smartphone and you're ready to watch your mobile on the big screen!
🎁 Get it now and enjoy it for years to come! It’s a perfect gift for yourself or your family!
There’s a reason why mechanics call your check engine light “the idiot light”. They know you and I have no idea what that little light means, and more importantly, that they can charge people nearly anything to “fix” the problem.
Introducing FIXD, the car performance monitor that alerts your phone to over 7,000 potential car problems! FIXD even tells you how severe the problem is, how much the repair should be, and where a trusty mechanic is near you to fix the problem. Plus, FIXD sends you maintenance reminders, mileage updates, and more!
Never find yourself at the mercy of some shady mechanic again – remember, knowledge (with FIXD) is power!
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!
If you’re like me and don’t upgrade your phone every year, this charger has been my saving grace. Before I would charge my phone the entire night only for it to drain back to 0% after a few hours.
Without getting the latest ($1100) iPhone; I purchased this thin adapter that turned my phone into a wireless charging device. It feels like I got a new phone with the way that I’m watching Netflix on the train now! Try TapNCharge first before committing to a new phone.