Money

6 Common Factors That Impact Your Car Insurance Rate

Roberta Murphy Thompson — Tue, 22 Jul 2025 15:57:38 +0000

Have you ever wondered why your car insurance rate is what it is? It might feel like a random number, but there’s a lot of thought behind it. Understanding the factors that influence this can help you make more informed choices and potentially save some money. Here’s a closer look at the common factors that impact your car insurance rate.

Driving History

Your driving record is at the top of the list when it comes to determining insurance rates. If you’ve been in an accident or collected a few speeding tickets, you’re considered a higher risk by insurance companies. They see past violations as an indicator that you’re more likely to have future claims.

On the flip side, a clean driving history shows you’re a safe driver, and this can qualify you for discounts. Safe driving doesn’t just keep you and others protected on the road; it directly lowers what you’ll owe.

Credit Score

Did you know your credit score might influence your insurance rate? Insurers in many states factor in credit-based insurance scores when calculating premiums. A good credit score suggests financial responsibility, which insurers associate with responsible driving behavior.

Conversely, a low score might bump your rate higher. If you’re serious about saving on car insurance, improving your credit score can be a surprisingly effective strategy.

Age

Your age plays a role in how much car insurance will cost you. Younger drivers, especially teens, tend to pay the highest premiums because they lack experience behind the wheel. Statistically, they’re more likely to be involved in accidents, and that risk gets reflected in higher rates.

For older drivers, rates tend to balance out, but drivers in their early 20s can still feel the pinch. Gaining experience and driving responsibly will eventually help lower these costs over time.

Location

Where you park your car at night is another big factor. If you live in a bustling city, you’re likely paying more compared to someone in a quiet rural area. Cities tend to have higher accident rates, more claims due to theft or vandalism, and even more risks from crowded streets.

If you’ve been wondering whether your urban ZIP code is boosting your premium, you’re onto something. Taking steps like parking in a garage or a safe lot can help offset some of those risks.

Vehicle Type

Not all cars are treated equally by insurance companies. The type of vehicle you drive has an obvious impact on your rate. High-performance sports cars or luxury vehicles tend to be more expensive to repair, resulting in a higher premium.

On the other hand, practical vehicles with good safety ratings usually come with more affordable rates. If you’re eyeing a flashy new ride, it’s worth factoring in how it will affect your monthly insurance bill.

Coverage Choices

Lastly, it’s all about what you choose. The more coverage you opt for, the higher your premium will be. Full coverage, which includes liability, comprehensive, and collision insurance, provides maximum protection but comes with a higher price tag compared to basic minimum coverage.

Opting for higher deductibles or exploring discounts can help manage those costs without sacrificing too much peace of mind.

Understanding these car insurance factors is a great first step. It can help you discover if you’re paying too much for your car insurance. Take some time to explore your options and think about which features are non-negotiable for you. Whether it’s shopping around or adjusting your coverage, a little knowledge can go a long way in putting money back in your pocket.

The post 6 Common Factors That Impact Your Car Insurance Rate appeared first on Luxury Home Digest.

Top 5 Reasons Your Energy Bill Might Be Increasing

Roberta Murphy Thompson — Wed, 23 Apr 2025 21:40:16 +0000

A rising energy bill can be frustrating, especially when you’re unsure what’s causing the spike. Understanding the common culprits behind higher energy consumption can help you make informed adjustments to your household to reduce costs. Keep reading to discover the top five reasons your energy bill might be increasing.

Poor Insulation

One of the biggest contributors to escalating energy costs is poor insulation. If your home isn’t properly insulated, heat can escape during winter, and cool air can leak out in the summer. This forces your HVAC system to work much harder and use more energy to maintain a comfortable temperature.

Check your attic, walls, and floors for gaps or inadequate insulation. Adding or upgrading your insulation can make a noticeable difference in energy efficiency. If you already have high-quality insulation but still notice inconsistent indoor temperatures, that may be a sign you should replace your HVAC system.

Old Appliances

Outdated appliances can drain far more electricity than newer, energy-efficient models. Appliances such as refrigerators, washing machines, and ovens from a decade ago often burn through energy at a much higher rate than up-to-date ones. If you’re still using older appliances, it’s time to upgrade to models that carry the ENERGY STAR label. These appliances will operate more efficiently and significantly lower your home’s energy consumption.

Drafty Windows and Doors

Air leaks around windows and doors might seem minor, but they can significantly impact energy usage. These drafts force your heating or cooling system to work overtime to compensate for the loss in regulated indoor temperatures. Seal any gaps with weatherstripping or caulking to fix the issue. You might also consider upgrading to energy-efficient windows to reduce further heat or cool air loss.

Inefficient Lighting

Traditional incandescent light bulbs use a lot of energy. While they might seem cost-effective upfront, they consume more energy and burn out quickly compared to modern LEDs. Switching to LED bulbs in every room reduces the electricity needed to light your home. LEDs last longer and provide increased brightness, making them an easy choice for energy efficiency.

Thermostat Settings

Small tweaks to your thermostat settings can save you a surprising amount each month. Using a programmable thermostat allows you to set automatic temperature adjustments based on the hours you’re home, away, or sleeping. When you pair this with ensuring your HVAC system is ready for a replacement when needed, you’ll notice a big improvement in energy costs.

If your rising energy bill is stressing you out, take steps now to address the underlying reasons your bill might be increasing. By staying proactive, you can save money while maintaining a comfortable home. Start with an energy audit and tackle the adjustments that make the most sense for your home.

The post Top 5 Reasons Your Energy Bill Might Be Increasing appeared first on Luxury Home Digest.

5 Luxury Classic Cars That Are Good Investments

Roberta Murphy Thompson — Thu, 02 Jan 2025 01:14:00 +0000

Luxury classic cars combine timeless beauty, rarity, and strong market appeal, making them excellent investments for collectors. Many vehicles from the past hold sentimental value and financial potential, with certain models appreciating significantly over time.

Luxury investors seeking a blend of passion and profit often look to cars that boast exceptional artisanship and iconic status. Learn what makes these five luxury classic cars worthwhile investments below.

1961 Jaguar E-Type Series 1

Classic luxury car enthusiasts often hail the Jaguar E-Type Series 1 as one of the most beautiful cars ever created. Its long, flowing lines and aerodynamic design set new standards for automotive elegance in the 1960s.

Collectors prize the Series 1 for its originality, especially early production models with covered headlights. As demand for iconic British classics continues to rise, the E-Type consistently attracts attention at auctions. Luxury classic cars that are good investments often share the combination of design innovation and historical significance found in the E-Type.

1957 Mercedes-Benz 300SL Gullwing

The Mercedes-Benz 300SL Gullwing is an iconic piece of 1950s car culture and stands out as one of the most innovative cars of its time. Its unique upward-opening doors and lightweight tubular frame captured the imagination of enthusiasts worldwide.

Mercedes-Benz only produced 1,400 Gullwings, adding to its rarity. The 300SL Gullwing continues to be a symbol of prestige and sophistication, often fetching millions at auctions. Its historical impact and unparalleled engineering make it a cornerstone of any classic car collection.

1969 Ferrari 365 GTB/4 Daytona

The Ferrari 365 GTB/4 Daytona earned its legendary status with powerful performance and bold design. Its sleek, low profile and aggressive front-end styling made it a standout among 1960s sports cars. Under the hood, the Daytona’s V12 engine offered blistering speed, solidifying its reputation on and off the racetrack.

Collectors appreciate its connection to Ferrari’s golden age and the rarity of well-preserved models. Market demand for the Daytona remains strong, with prices steadily increasing over the years.

1970 Porsche 911 Carrera RS

The Porsche 911 Carrera RS, introduced in 1970, redefined the modern sports car. Its lightweight chassis, rear-mounted flat-six engine, and racing pedigree made it an instant success. Enthusiasts praise the Carrera RS for its precise handling and innovative engineering, which influenced generations of Porsches.

Porsche produced a limited number of this model, which makes it highly sought after by collectors. The Carrera RS holds a prominent place in Porsche’s history and commands premium prices in today’s market.

1965 Aston Martin DB5

The Aston Martin DB5 exudes timeless elegance and cinematic fame. Known for its role in the James Bond films, the DB5 remains one of the most recognizable cars in the world. Its handcrafted aluminum bodywork, luxurious interior, and powerful straight-six engine offer a driving experience steeped in sophistication.

Limited production numbers and cultural significance make the DB5 highly sought after by collectors. Prices for this model continue to climb, reflecting its status as both a luxury symbol and a sound financial asset. Collectors drawn to luxury classic cars that are good investments often consider the DB5 an essential addition to their portfolio.

Owning a luxury classic car means more than financial gain. Each vehicle tells a story of innovation, history, and artistry, offering an experience that extends beyond monetary returns.

The post 5 Luxury Classic Cars That Are Good Investments appeared first on Luxury Home Digest.

Natural Constructions: Saving Money on Your Wood Building

Roberta Murphy Thompson — Fri, 13 Sep 2024 12:20:38 +0000

Building a home or structure with wood can be a costly endeavor. But what if you could realize your vision without breaking the bank?

By leveraging these key strategies, you can save money on your wood building while still achieving a beautiful and durable structure. Let’s get started creating a stunning wood building that stands the test of time!

Choosing the Right Wood

When selecting wood for your building, it’s essential to consider both cost and sustainability. Opt for locally available species to minimize transportation costs and support local economies. Native species are also more likely to be well-suited to your local climate and conditions. Additionally, look for wood that’s been harvested sustainably and responsibly to ensure your building materials do not contribute to deforestation or habitat loss.

Designing for Efficiency

Efficient design is crucial for saving money on your wood building. Consider a compact, functional layout that minimizes wasted space. Smaller buildings require less material and labor, reducing overall costs. Proper insulation and ventilation are also essential for maintaining energy efficiency and comfort. Simple shapes and forms are easier and more cost-effective to construct, making them ideal for natural constructions.

Building With Simplicity

Simplicity is a core principle of natural constructions. By focusing on straightforward, practical designs, you can minimize the complexity and cost of your project. Simple structures are easier and faster to build, requiring less labor and fewer materials. Clean lines, open spaces, and natural light can create a beautiful and inviting environment without the need for costly embellishments.

Adhering to Building Codes and Regulations

Compliance with local building codes and regulations is crucial for ensuring the safety and legality of your project. Research the requirements in your area and obtain any necessary permits before beginning construction. Building codes may dictate specific materials, construction methods, and design elements, so it’s essential to be informed and prepared. Working with a knowledgeable architect or builder can help ensure your project meets all necessary requirements.

DIY vs. Hiring Professionals

One of the most significant factors in determining the cost of your natural construction project is labor. While hiring professionals can ensure high-quality work and adherence to building codes, it can also be expensive. On the other hand, taking a DIY approach can save money but may require a significant time investment and a steep learning curve. However, if you do go the DIY route, you can often find discounted wood buildings that meet your needs without having to build a structure from scratch.

Achieve the Structure You Want for Less

Wood buildings are a great way to save money while achieving the structure you want. With these tips, you can create a stunning and sustainable wood building that meets your needs and budget. Start your natural construction project today and discover the unique possibilities for yourself!

The post Natural Constructions: Saving Money on Your Wood Building appeared first on Luxury Home Digest.

4 Ways To Make Your Home More Energy Efficient

Roberta Murphy Thompson — Fri, 17 Jun 2022 22:23:13 +0000

Living a sustainable life is easier than ever these days. In fact, there are many changes you can make to your home that will not only help you live more sustainably but also save money on monthly utility bills. Here are some simple ways to make your home more energy efficient:

Change Your Light Bulbs

There are a number of ways to reduce your energy use, but one of the easiest is switching from incandescent to LED bulbs. LEDs are more efficient than their predecessors, using less energy than traditional bulbs, and they also last longer. That means fewer replacements, which saves you time and money. They’re better for the environment and for your wallet.

Use Motion Sensors

Using motion sensors is a great way to automate your home’s utilities. Motion detectors are small devices that are easily installed onto existing outlets or lights. They’ll automatically turn on the lights when someone walks into the room. You can even attach them to other electrical items such as heating and cooling systems or use them in conjunction with your home’s security system. They’re just about everywhere these days, and installing them is one easy way you can save money on energy bills while making your life easier at the same time.

Upgrade to a Metal Roof

Despite the common misconceptions about metal roofs, metal is a great choice for any homeowner interested in making their home more energy efficient. In addition to being durable and lasting significantly longer than traditional shingles, metal roofs also offer many other benefits, such as low maintenance costs and better energy efficiency. Metal roofs reflect heat, keeping your home cooler during the summer months without using extra electricity. They also reduce AC bills by keeping the inside temperature cool when it’s hot outside, which means you won’t have to use as much power to cool down your house.

Use a Smart Thermostat

You can also use a smart thermostat to control heating and cooling more efficiently. Some of these devices use sensors to learn your habits and adjust the temperature accordingly. You can control others through an app on your smartphone or tablet. Automating your heating and cooling can make a huge difference in your utility bill and reduce unnecessary use of air conditioning or heating.

Many people think that making their homes more energy efficient is difficult, time consuming, and expensive. But the truth is that there are many easy things you can do to make your home more energy efficient. And some may even save you money!

The post 4 Ways To Make Your Home More Energy Efficient appeared first on Luxury Home Digest.

Luxury of Quick Kitchen Remodel

Roberta Murphy Thompson — Wed, 09 Oct 2019 01:31:52 +0000

5 Awesome Kitchen Renovation Ideas to Design Your Dream Kitchen

Are you planning a kitchen remodel? If yes, you may know that it is a time-consuming process and may prove challenging if you are running short on ideas. Here are 5 practical ideas to inspire you to design your dream kitchen. You don’t have to shell out a lot of money for a kitchen renovation – all you need is some creativity.

However, make sure you call a pest and cockroach exterminator before you start the kitchen remodel, as one pest can start a nuisance.

5 Ideas to Transform Your Kitchen

Cabinet Magic

Cabinets take the most amount of kitchen space, so make sure they add a ton of personality and drama. You can consider two-tone cabinets where you have complementary colors for walls and cabinets.

If you are interested in a sophisticated look, opt for high-gloss cabinets. Their smoothness and shine will add a factor of classiness in the kitchen.

Before you install the cabinets, make sure you call residential pest control to get a cockroach control done. Pests like cockroaches multiply quickly and can infest the entire kitchen in no time. Buy cabinets whose doors close tightly because cabinets are one of the first places pests like to hide. This is an ideal time to improve upon cabinet functionality during your kitchen remodel–and should not add much to your total cost.

Creative ‘Sink’ing

Think you have to stick to the regular, boring sink in the kitchen? Not anymore. The common farmhouse sinks are becoming history as unique sinks are making a loud statement.

You can now select sinks that have intricate designs and are made from unexpected materials. Some sinks even boast beautiful ornate fixtures to add style to your kitchen remodel.

Covered kitchen sinks are also gaining popularity. You can slide and cover the sinks and add more prep and counter space instantly. They can make your kitchen look clean even if you have a sink full of dirty dishes because the covered sink conceals the dishes.

Light the‘Wow’Up

The right kind of lighting can completely change the way your kitchen can look and feel. You can experiment with the brightness of the bulb or use an interesting lighting fixture to elevate the wow factor of the kitchen.

Pieces like pendant lights add ample light to the space while creating a bold statement. The right lighting can tie the whole room together or stand out amazingly.

Add Personalities of the Wallpapers

Wallpapers are a simple way to give your kitchen a brand new look. You can choose a floral print, vintage-inspired or an abstract-print, depending on what you prefer. Look for patterns that will blend in with the existing interiors. If you want to choose a colored wallpaper with no print, choose a color that is a contrast to the rest of the kitchen.

Touch of Green

A bit of greenery will be like a breath of fresh air in the kitchen. Just place some potted plants on the floor or put some flowers on the countertops or the kitchen island. You can even have a small vertical herb garden in the kitchen. The greenery and pop of colors of the flowers will liven up the place.

Before you start renovating the kitchen, you must get pest control done and check for cockroach infestations. Renovating a kitchen is not an easy task and it may all go to waste if there is a pest infestation. Consult an experienced pest management company to inspect your house.

Author Bio:

When people find their homes and offices infested with pests, it is not uncommon for them to panic. Raymond Web has taken the task to educate people on pest prevention and control strategies helping them keep their surroundings healthy, safe and pest-free. Being the digital marketing manager for Take Care Termite and Pest Control, in Tracy, CA, he has in-depth understanding of people and their pain points due to pests, which he efficiently uses in his content to educate people and add value to their lives.

The post Luxury of Quick Kitchen Remodel appeared first on Luxury Home Digest.

Luxury Home Sales Hit by New Tax Laws?

Roberta Murphy Thompson — Thu, 07 Jun 2018 21:48:19 +0000

by Roberta Murphy

Realtors in California were groaning when the new tax laws hit this year. Luxury home sales were sure to crash and burn.

You see, the new tax code puts a limit on how much one can deduct in state and local property taxes–as well as income or sales tax–up to a measly total of $10,000. So when new tax laws went into effect, high profile experts were predicting an ugly impact on luxury home sales. Here are just a few of the predictions:

Capital Economics:

“The impact on expensive homes could be detrimental, with a limit on the MID raising taxes for those that itemize.”

**Mark Zandi of Moody’s Analytics:**

“The impact on house prices is much greater for higher-priced homes, especially in parts of the country where incomes are higher and there are thus a disproportionate number of itemizers, and where homeowners have big mortgages and property tax bills.”

The National Association of Realtors (NAR) predicted price declines in “high cost, higher tax areas” because of the tax changes. They forecasted a depreciation of 6.2% in New Jersey and 4.8% in Washington D.C. and New York. California luxury home sales would fare no better.

So, what really happened?

It appears the luxury home market may have been written off a little too soon. Of course, these are national figures, where in some locales a true luxury home can be had for less than 500,000. And in coastal California, you might find luxury homes starting at $2 million. Real estate pricing is always local. Regardless, here we present some interesting national figures:

1. According to NAR’s latest Existing Home Sales Report, here is the percent change in sales from last year:

Homes sales between $500,000 – $750,000 are up 11.9%
Homes sales between $750,000 – $1M are up 16.8%
Homes sales over $1,000,000 are up 26.7%

2. In a report from Trulia, it was revealed that searches for “premium” homes as a percentage of all searches increased from 38.4% in the fourth quarter of 2017 to 41.4% in the first quarter of 2018.

3. And according to an article from Bloomberg:

“Median home values nationally rose 8 percent in March compared with a year earlier, while neighborhoods of San Francisco and San Jose, California, have increased more than 25 percent.

Prices in affluent areas in Delaware and New York, such as the Hamptons, also surged more than 20 percent.”

And finally….

Aaron Terrazas, Zillow’s Senior Economist, probably summed up the luxury real estate market best:

“We are seeing the opposite of what was expected. We have certainly not seen the doomsday predictions play out.”

And isn’t that kind of a truism in life? When everything seems certain, life often delivers the unexpected. And so it is with tax laws.

It’s a Buyers Market for Luxury Homes

Roberta Murphy Thompson — Mon, 19 Mar 2018 22:45:00 +0000

Now may be the time to grab one of those luxury homes you’ve been watching.

The price of luxury homes varies from market to market. In some, it could be $700,000 and others over $2 million.

In the San Diego luxury home market, we see luxury homes priced north of $2 million languishing on the market a little longer than ones priced below that number. On the other hand, that lofty number could be a bargain in the Silicon Valley and San Francisco’s Bay area.

So if your house no longer fits your needs and you are planning on buying a luxury home, now could be a perfect time to do so. Recently, the Institute for Luxury Home Marketing released its Luxury Market Report which showed that in today’s premium and luxury home market, buyers are in control.

And that may be one of the few real estate niches where buyers are in command.

The inventory of homes for sale in the luxury market far exceeds the number of people searching to purchase these properties in many areas of the country. This means that homes are often staying on the market longer–or can be found at a discount.

Those who have a starter or trade-up home to sell will find buyers competing, and often entering bidding wars, to be able to call their house their new home.

The sale of your starter or trade-up house will help you come up with a larger down payment for your new luxury home. Even a 5% down payment on a million-dollar home is $50,000.

But not all who are buying luxury homes have a property to sell first.

A recent Bloomberg article gave some insight into what many millennials are choosing to do:

“A new generation of affluent homebuyers powered by a surge in inherited wealth is driving the luxury-home market, demanding larger spaces and fancier finishes, according to a report heralding ‘the rise of the new aristocracy.’”

Bottom Line

The best time to sell anything is when demand is high, and supply is low. (Remember the old adage about buying fur coats in the summer?) If you are currently in a starter or trade-up house that no longer fits your needs and you are looking to step into a luxury home, now’s the time to list your house for sale and make your dreams come true.

If you are in the San Diego area and want to discuss your selling or buying options, give Roberta Murphy a call at 760-402-9101 or email roberta@sandiegopreviews.com And if you are out of the area, I can help find a luxury real estate agent who is intimately familiar with luxury homes in your desired market.

The post It’s a Buyers Market for Luxury Homes appeared first on Luxury Home Digest.

Obamacare and Mortgages

Roberta Murphy Thompson — Fri, 03 Jan 2014 04:07:57 +0000

Obamacare and Mortgages

by Roberta Murphy

This blog is supposed to be about luxury, but lately I’ve been wondering about other things: Like, will health insurance costs become a consideration in qualifying for a mortgage or refinance?

Currently, health care costs are not a real consideration when lenders are considering one’s ability to pay for a mortgage.

Was this another unintended consequence of Obamacare and the Affordable Healthcare Act? We have several clients whose health care costs have gone from $300-$400 per month to well over $1000–and even far more.

Health insurance costs are not a qualifying factor when qualifying a buyer for a mortgage–even when health care coverage may exceed current rent and mortgage levels. Credit card bills, however, can make or break a mortgage deal–even if payments are half or less of one’s rent or current mortgage payment.

Just a consideration, but if a mortgage or refinance is in the works this year, you might consider pulling the trigger and get a mortgage with a rate we might not see again in this lifetime. And this might especially be true if you have experienced a sharp spike in your health insurance costs. We are advising clients to buy or refinance before mortgage companies realize that these premiums are likely to be fixed costs, just as pressing as any credit card payments.

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The Luxury of a Senior Discount

Roberta Murphy Thompson — Wed, 22 May 2013 13:55:57 +0000

Discounts for Baby Boomers

Who doesn’t like a discount when stepping out?

Below is a long list of restaurants, stores, grocery chains, airlines , hotels and car rental agencies that offer senior discounts–with minimum qualifying ages ranging from 50 to 65.

Many of these discounts are not published or advertised, so you must ask for them. Please print or save this link for future reference, and if you have any corrections or additons, please email: roberta@sandiegopreviews.com–Roberta Murphy

RESTAURANTS:
Applebee’s: 15% off with Golden Apple Card (60+)
Arby’s: 10% off ( 55 +)
Ben & Jerry’s: 10% off (60+)
Bennigan’s: discount varies by location (60+)
Bob’s Big Boy: discount varies by location (60+)
Boston Market: 10% off (65+)
Burger King: 10% off (60+)
Chick-Fil-A: 10% off or free small drink or coffee ( 55+)
Chili’s: 10% off ( 55+)
CiCi’s Pizza: 10% off (60+)
Denny’s: 10% off, 20% off for AARP members ( 55 +)
Dunkin’ Donuts: 10% off or free coffee ( 55+)
Einstein’s Bagels: 10% off baker’s dozen of bagels (60+)
Fuddrucker’s: 10% off any senior platter ( 55+)
Gatti’s Pizza: 10% off (60+)
Golden Corral: 10% off (60+)
Hardee’s: $0.33 beverages everyday (65+)
IHOP: 10% off ( 55+)
Jack in the Box: up to 20% off ( 55+)
KFC: free small drink with any meal ( 55+)
Krispy Kreme: 10% off ( 50+)
Long John Silver’s: various discounts at locations ( 55+)
McDonald’s: discounts on coffee everyday ( 55+)
Mrs. Fields: 10% off at participating locations (60+)
Shoney’s: 10% off
Sonic: 10% off or free beverage (60+)
Steak ‘n Shake: 10% off every Monday & Tuesday ( 50+)
Subway: 10% off (60+)
Sweet Tomatoes: 10% off (62+)
Taco Bell : 5% off; free beverages for seniors (65+)
TCBY: 10% off ( 55+)
Tea Room Cafe: 10% off ( 50+)
Village Inn: 10% off (60+)
Waffle House: 10% off every Monday (60+)
Wendy’s: 10% off ( 55 +)
Whataburger: 10% off (62+)
White Castle: 10% off (62+) This is for me … if I ever see one again.RETAIL & APPAREL :
Banana Republic: 30% off ( 50 +)
Bealls: 20% off first Tuesday of each month ( 50 +)
Belk’s: 15% off first Tuesday of every month ( 55 +)
Big Lots: 30% off
Bon-Ton Department Stores: 15% off on senior discount days ( 55 +)
C.J. Banks: 10% off every Wednesday (50+)
Clarks : 10% off (62+)
Dress Barn: 20% off ( 55+)
Goodwill: 10% off one day a week (date varies by location)
Hallmark: 10% off one day a week (date varies by location)
Kmart: 40% off (Wednesdays only) ( 50+)
Kohl’s: 15% off (60+)Modell’s Sporting Goods: 30% off
Rite Aid: 10% off on Tuesdays & 10% off prescriptions
Ross Stores: 10% off every Tuesday ( 55+)
The Salvation Army Thrift Stores: up to 50% off ( 55+)
Stein Mart: 20% off red dot/clearance items first Monday of every month ( 55 +)GROCERY :
Albertson’s: 10% off first Wednesday of each month ( 55 +)
American Discount Stores: 10% off every Monday ( 50 +)
Compare Foods Supermarket: 10% off every Wednesday (60+)
DeCicco Family Markets: 5% off every Wednesday (60+)
Food Lion: 60% off every Monday (60+)
Fry’s Supermarket: free Fry’s VIP Club Membership & 10% off every Monday ( 55 +)
Great Valu Food Store: 5% off every Tuesday (60+)
Gristedes Supermarket: 10% off every Tuesday (60+)
Harris Teeter: 5% off every Tuesday (60+)
Hy-Vee: 5% off one day a week (date varies by location)
Kroger: 10% off (date varies by location)
Morton Williams Supermarket: 5% off every Tuesday (60+)
The Plant Shed: 10% off every Tuesday ( 50 +)
Publix: 15% off every Wednesday ( 55 +)
Rogers Marketplace: 5% off every Thursday (60+)
Uncle Guiseppe’s Marketplace: 15% off (62+)TRAVEL :
Airlines:
Alaska Airlines: 50% off (65+)
American Airlines: various discounts for 50% off non-peak periods (Tuesdays – Thursdays) (62+)and up (call before booking for discount)
Continental Airlines: no initiation fee for Continental Presidents Club & special fares for select destinations
Southwest Airlines: various discounts for ages 65 and up (call before booking for discount)
United Airlines: various discounts for ages 65 and up (call before booking for discount)
U.S. Airways: various discounts for ages 65 and up (call before booking for discount)
Rail:
Amtrak: 15% off (62+)
Bus:
Greyhound: 15% off (62+)
Trailways Transportation System: various discounts for ages 50+Car Rental:
Alamo Car Rental: up to 25% off for AARP members
Avis: up to 25% off for AARP members
Budget Rental Cars: 40% off; up to 50% off for AARP members ( 50+)
Dollar Rent-A-Car: 10% off ( 50+) Enterprise Rent-A-Car: 5% off for AARP members Hertz: up to 25% off for AARP members
National Rent-A-Car: up to 30% off for AARP membersOvernight Accommodations:
Holiday Inn: 20-40% off depending on location (62+)
Best Western: 40% off (55+)
Cambria Suites: 20%-30% off (60+)
Waldorf Astoria – NYC $5,000 off nightly rate for Presidential Suite (55 +)
Clarion Motels: 20%-30% off (60+)
Comfort Inn: 20%-30% off (60+)
Comfort Suites: 20%-30% off (60+)
Econo Lodge: 40% off (60+)
Hampton Inns & Suites: 40% off when booked 72 hours in advance
Hyatt Hotels: 25%-50% off (62+)
InterContinental Hotels Group: various discounts at all hotels (65+)
Mainstay Suites: 10% off with Mature Traveler’s Discount (50+); 20%-30% off (60+)
Marriott Hotels: 25% off (62+)
Motel 6: Stay Free Sunday nights (60+)
Myrtle Beach Resort: 30% off ( 55 +)
Quality Inn: 40%-50% off (60+)
Rodeway Inn: 20%-30% off (60+)
Sleep Inn: 40% off (60+)

ACTIVITIES & ENTERTAINMENT :
AMC Theaters: up to 30% off ( 55 +)
Bally Total Fitness: $100 off memberships (62+)
Busch Gardens Tampa, FL: $13 off one-day tickets ( 50 +)
Carmike Cinemas: 35% off (65+)
Cinemark/Century Theaters: up to 35% off
Massage Envy – NYC 20% off all “Happy Endings” (62 +)
U.S. National Parks: $10 lifetime pass; 50% off additional services including camping (62+)
Regal Cinemas: 50% off Ripley’s Believe it or Not: @ off one-day ticket ( 55 +)
SeaWorld, Orlando , FL : $3 off one-day tickets ( 50 +)

CELL PHONE DISCOUNTS :
AT&T: Special Senior Nation 200 Plan $19.99/month (65+)
Jitterbug: $10/month cell phone service ( 50 +)
Verizon Wireless: Verizon Nationwide 65 Plus Plan $29.99/month (65+).

MISCELLANEOUS:
Great Clips: $8 off hair cuts (60+)
Supercuts: $8 off haircuts (60+)

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