Senior Savings Tips

Did you know that most American senior citizens overpay for practically everything and don’t know it? From auto and life insurance, to groceries, restaurants and more. Odds are you’re probably spending more than you should.

The simple fact is that most companies do offer discounts to seniors. They don’t advertise it because they lose money. If you simply ask, you’ll get your much deserved discount. To help you immediately save money and permantly cut costs in the future, I’ve put together this list of the 26 best ways you can save money that you probably didn’t know about.

Many restaurants offer senior discounts, but don’t advertise it. The best advice we can give is to always ask. The worst they can say is no. The best thing that can happen? Savings! Here is a list of national chains we know offer discounts to senior citizens. There are a few tricks you need to know. So read through this list thoroughly or better yet, print it out. You never know when it may come in handy. Again, wherever you go to eat, always ask. Bon appetit!

Applebee’s gives a 10% discount (reduced from 15%) to seniors age 60 and over who have the Applebee’s Golden Apple Card.

Arby’s gives 10% off for ages 55+.

Back Yard Burgers has a 10% senior discount for your order at participating locations, reasonably certain the age is 55 and over..

Burger King has a 10% discount for ages 60+, and additional discounts on coffee and soft drinks. As of Oct. 2015, though, Burger King may be like Denny’s, i.e., some stores give discounts and some don’t.

Chili’s is 10% off for ages 55+.

Denny’s gives 10% off for age 55+. They will make it 20% off if you are an AARP member. As of 2014, each franchise owner was making his/her own decisions regarding this, so your results may vary.

Dunkin’ Donuts does 10% off for ages 55+. Or a free donut (doughnut) when buying coffee.

IHOP is 10% off for ages 55+.

Jack in the Box has a 20% beverage discount for seniors age 55 and over. Though again, as of August 2013, the Jack-in-the-box discount may not be a sure thing.

KFC will give you a free small drink with a meal if you are 55+, although again, it’s reported some KFC’s will and some won’t.

Long John Silver’s has various discounts for 55+. Depends on location, so your results may vary.

McDonald’s has discounts on coffee and soft drinks for the 55+ crowd.

Outback Steakhouse has a 15% senior discount, age demarcation unknown.

Roy Rogers Restaurants gives a 10% discount for seniors, age demarcation unknown.

Sonic gives a choice of free beverage or 10% off for folks 60 and older.

Subway is 10% off for ages 60+; though at least occasionally, a store owner will deny the discount, either because they are uninformed or because of individual franchise policy.

Taco Bell is 10% off, apparently up from the former 5%; plus free beverages. Age requirement is 65 and over. Discount may be franchisee specific.

Wendy’s is 10% off for ages 55+, though at least one Wendy’s in Topeka, Kansas gave a free drink in place of the 10% discount. Not known if this is the new policy or a franchisee-specific incident.

This excerpt from Seniorsavings.com To Read More Click Here

#seniorsavings #realestate #taxbreaks #discounts #unaffordabledebt #savewhereyoucan #budgetideas

3 Things to spot during a final walk through

The final walkthrough is usually one of the last steps in purchasing a new home. This is also the time when buyers and their agents must have a watchful eye as they check on the condition of the property before they head to closing and make everything official.

This excerpt from Realtor magazine. To read more click the link below;

https://magazine.realtor/daily-news/2019/11/26/3-things-to-spot-during-a-final-walkthrough

Visit my website anytime for more tips on buying and selling your home.

www.stacyschnell.com

Give me a call to see what your home is worth, invest in real estate or buy your new home!

Stacy Schnell
Realtor Salesperson –
Direct: 856-364-0772
The Scott Sheppard Team
Email: Stacy.Schnell@foxroach.com

Well Maintained Two Story

New price….Listed at just $179,900…this beautiful home is situated on quiet dead end street in north Vineland with a mailing address of Newfield, New Jersey. Home is only 6 years old. Home features 3 bedrooms and 1.5 baths. Eat-in kitchen with oak cabinetry and stainless steel appliances. Spacious living room with ceiling fan. Master bedroom has a walk-in closet. Large rear deck and 6′ vinyl fenced yard. Second floor laundry, security system, natural gas heat and hot water, concrete driveway, shed. Convenient access to Routes 47 and 55. Four years remaining on structural homeowners warranty. Give us a call today for more information on this home or for more info on becoming a first time home buyer. Stacy 856-364-0772

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This listing presented by The Scott Sheppard Team. Give a call today and ask about property #88 for more information or to schedule a tour.

Stacy Schnell ~ Realtor Associate  Cell: 856-364-0772

Well Maintained Two Story

New price….Listed at just $179,900…this beautiful home is situated on quiet dead end street in north Vineland with a mailing address of Newfield, New Jersey. Home is only 6 years old. Home features 3 bedrooms and 1.5 baths. Eat-in kitchen with oak cabinetry and stainless steel appliances. Spacious living room with ceiling fan. Master bedroom has a walk-in closet. Large rear deck and 6′ vinyl fenced yard. Second floor laundry, security system, natural gas heat and hot water, concrete driveway, shed. Convenient access to Routes 47 and 55. Four years remaining on structural homeowners warranty. Give us a call today for more information on this home or for more info on becoming a first time home buyer. Stacy 856-364-0772

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This listing presented by The Scott Sheppard Team. Give a call today and ask about property #88 for more information or to schedule a tour.

Stacy Schnell ~ Realtor Associate  Cell: 856-364-0772

Move Right In

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Listed for just $215,000 this move-in condition rancher in quiet neighborhood on dead end street in Minotola which is located in Buena, New Jersey.  Home features 3 bedrooms & 2 bathrooms. Eat-in kitchen with granite countertops, tile backsplash, hardwood flooring and center island. Kitchen opens to a spacious sunroom. Sunroom has tile flooring, exposed beams and ceilng fan. Family room has exposed beams and gas fireplace. Master bedroom has hardwood flooring, ceiling fan, plantation shutters and a full bathroom. Other features include a brick front exterior, front porch, paver driveway, formal living room, large rear deck, fenced yard, shed and in-ground pool. Buena School System. This home is eligible for 100% USDA Guaranteed Financing.

Stacy Schnell – Realtor Sales Associate – Cell : 856-364-0772

www.stacyschnell.com    /  www.thescottsheppardteam.com

FHA Loan Guidelines for 2019

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Qualifying for a Federal Housing Administration (FHA) loan can be much easier compared with a conventional one. Borrowers will need a valid Social Security number, and be a lawful resident of legal age to be able to sign an FHA loan. Qualifying for a loan requires a minimum credit score of 500 in addition to a FHA-approved property appraisal and a favorable debt-to-income ratio.

This excerpt from Valuepenguin.com Click HERE to read more.

Visit my website stacyschnell.com for more helpful information on getting prepared to purchase a home or call me anytime, Id be happy to assist!

Stacy Schnell – Realtor Associate Cell: 856-364-0772

Home for Sale Cedarville, New Jersey

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Charming & large two story home on quiet street. Home features 3 bedrooms and 2 baths. Kitchen has all new kitchen cabinets and stainless steel appliances. Large front porch, spacious family room and separate dining room. Rear sunroom, detached 2 car garage, walk up attic, full basement. Roof, vinyl siding and well are less than one year old. Home requires a new septic system, palns are already being drawn. Seller to provide approved septic plans at settlement. Sold in strictly “as-is” condition. Priced to sell!

This listing is located in Lawrence Township, NJ. It is presented by Stacy Schnell & The Scott Sheppard Team. For more information or to schedule a private tour please call Stacy @ 856-364-0772.

 

WHat do I need down to buy a home?

The down payment. Cue the dramatic, fear-filled suspense music. Yeah, it’s scary. Coming up with enough cash to put down when buying a house is the single biggest roadblock for most hopeful home buyers. But how much do you really need?

What is a down payment?

A down payment is the cash you pay upfront to get a home loan. It is deducted from the total amount of your mortgage and represents the beginning equity — your ownership stake — in a house and property.

This excerpt from Nerdwallet.com CLICK HERE to read more.

Great opportunity in Millville NJ

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Historic Wheaton Mansion home and storefront in Millville’s Art District. Great mixed-use property for retail, professional office, bar and more. Kitchen has tiled counter and backsplash and stainless steel appliances. Hardwood flooring and crown molding throughout home. Separate commecial store front accessible from inside home with kitchen area and storage. Great place to live and operate a store front. Sale includes two separate off street parking lots in rear, public water and sewer, natural gas heat, central air. UEZ Financing Available.

Call today and ask about property # 80. Stacy 856-364-0772

Move in Ready Home in Glassboro

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Welcome to this move-in ready, 3 bed, 1 full bath home located in a quiet Glassboro neighborhood! Many features and improvements have been done to this home in recent years which makes for low-maintenance living! Features and updates include: updated bathroom, updated exterior paint, front porch and landscaping, updated kitchen with 42″ cabinets and a sunroom addition, windows with a lifetime warranty and custom blinds, a spacious 3-bay garage with updated roof and doors, newer pool and pool deck, and a new french drain and sump pump system installed in the basement. There is a partially finished basement which can be utilized as extra living space. There is an additional room in the basement which is being utilized as a wine cellar. The wood stove in the living room heats the majority of the home. The list of features goes on and on, and being conveniently located near shopping, schools and major roadways, this home has everything you could ask for. This home also qualifies for the HomeSeeker $10,000 grant program for First-Time Homebuyers. Schedule your private tour today to see the true beauty of this home!

Call today and ask to tour propety # 78. Stacy 856-364-0772