SeniorDiscounts,
Recommended by Consumer Reports Money Adviser
March 2006
Friday, April 28, 2006
Senior Special Section: The cost of owning a car continues to increase. This week we revisit discounts that are available on car insurance to help car owners lower the cost of maintaining a vehicle.
SeniorDiscounts Card News: Over 5,000 business locations now offer exclusive discounts for members of the SeniorDiscounts Card. For more information on becoming a member of the SeniorDiscounts Card program, click here.
Senior Discounts Section: We highlight SeniorDiscounts Card Member discounts available on pharmacies, home care, and elder law, among others.
Challenge Section: SeniorDiscounts announces a new winner for the Add A Discount Challenge and Weekly Newsletter Challenge every week. Check out our Challenge Section below for more some Earth Day trivia, this week's winner and for other ways to win a free SeniorDiscounts Card Membership.
If
you would like to tell others about
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and this Newsletter, click
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Kathy, from Englewood,
CO tells us that Mile High Coffee, a neighborhood coffee house provides
a 30% on beverages and food to customers 60 and older.
Frank from Kalamazoo,
MI tells us that Borgess Health and Fitness Center offers members 60
and older a $10 discount on monthly dues. Regular members pay $49 a
month. Seniors pay $39. Everyone must pay a $199 initiation fee.
Joan of Omaha, NE informs us that the 20 Grand Theater will give $2
off the regular price of a non-matinee movie to patrons 60 and older.
Thanks for all of your submissions.
Let us know about
senior discounts,
click here.
Auto Insurance
Last fall we discussed car insurance and the discounts that may be available
to older drivers. Recently, there has been a lot of press regarding this
issue and we thought it was important to discuss it once again.
While there are still discounts on car insurance for older adults, some
car insurance companies may be changing their mature discount policies.
According to insurance companies, drivers in their fifties should see
some decrease in their rates, although it may not be automatic. Auto insurance
agents should be reviewing your policy on a regular basis to see if there
any discounts or other benefits that may be available to you. If you have
not reviewed your policy in some time, inquire with your current provider
to see if it offers any senior discounts. Most of the auto insurance agencies
we researched provide a 5%-10% discount at the age of 50 or 55.
The insurance industry has been paying close attention to the driving
records of older adults, especially those people over sixty. They have
found that while older drivers do not receive many citations, they have
been filing more accident claims. Older adults, especially those over
70, are second only to teenagers for the number of accident claims, and
the number of claims seems to be rising.
As drivers get older, into their sixties and seventies, they may start
to see their rates go up again. This is especially true if there is a
claim filed for an accident, which could "red flag" the account
with the insurance carrier. Now may be a good time to see if there are
any driver education or other programs you may be able to take to get
a lower rate.
There are now many defensive driving courses available to older drivers and taking them could reduce the amount you pay for your insurance. These classes are now available in most states and cost between $10 and $25 for a two-day (eight hour) course. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily. Insurance companies will typically provide a 10% discount on car insurance for a three year period upon completion of one of these courses, but check with your provider before you sign on.
The senior driving
courses are available through local and state agencies as well as AAA
and AARP. You can also check with your insurance agent to see what courses
may be available to you.
Here are some other discounts that may be available to you: There are
discounts available for retired individuals. If you are retired and are
not employed full time, you may be eligible for a discount of up to 5%
off your car insurance. Age requirements for this type of discount vary
by state and insurance carrier. You could also save on Personal Injury
Protection (PIP) coverage. Some companies will provide a discount if a
minimum amount of the driving mileage is by anyone over a specified age.
Be careful on the roads out there. The best way to keep your rates down
is to avoid citations and accidents.
Do
you know of a senior discount that we don't? Tell us and you could win
$100.
Click Here.
Personal Touch Home Care is a licensed home care agency in New York, providing home health aides and companions to clients in their homes. They accept most major insurance including Medicaid and private pay. SeniorDiscounts Card Members receive a free consultation with a Senior Advisor.
Find
a retirement or assisted living community, nursing home or Alzheimer's
care that matches your needs at NewLifeStyles.com.
View maps and online tours or get driving directions. Check out their
new, easier search, click here.
Find
elder care at EldercareLink.com.
This free referral service helps you find everything from Home Care and
Assisted Living to Financial Planning and Personal Emergency Responses.
Click
Here. 
Add
a Discount Challenge
Each week in this newsletter we announce a new winner in the Add A Discount Challenge. Let your fellow senior discounters know about any new discounts you find and keep those discounts coming.
We are looking for any and all NEW Senior Discounts. This means discounts that we don't already have on our web site. Ask at your favorite place of business and find out if it offers a senior discount. If it does, simply submit it on our web site. Click here.
You
can also tell us about businesses you think would be interested in offering
a senior discount. Provide us with the business' information and we will
contact that business and invite it to offer a senior discount. The more
discounts you enter, the better your chances of winning. Click
here.
As always, we greatly appreciate your participation in adding value to
our service.
Our
winner this week, Kathy Demmitt of Englewood, CO will receive a
one year SeniorDiscounts Card membership. Kathy, please e-mail us at:
newsletter@seniordiscounts.com to claim your prize.
Weekly Internet Challenge
Answer the trivia question and you will be entered to WIN a complimentary SeniorDiscounts Card Membership with included SeniorDiscounts Guide Book.
This Week's Challenge:
Which astronaut from New Mexico was one of the last two men to walk
on the moon?
To
answer: Click Here and tell us your answer to the Weekly Challenge.
Good luck.
Last Week's Challenge Question:
Which Senator
from Wisconsin organized the first Earth Day?
Last
Week's Challenge Answer:
Gaylord Nelson
Our winner this week, Loyvone M. Washington of Columbia, SC will receive a one year SeniorDiscounts Card membership. Loyvone, please e-mail us at: newsletter@seniordiscounts.com to claim your prize.
Corrections Challenge
We can always use help keeping our database of discounts current and our web site free of errors. If you find a discount that is not correct, no longer valid, or an error on our web site, let us know and we will send you a gift. Just e-mail us at: mistakes@seniordiscounts.com with the correction you have found and please include a description of the mistake. We appreciate your help.
For great deals on books containing senior discounts, click here.
The Moon is believed
to be 4.6 billion years old, which is the same age as the Earth.
The Moon is comprised of a rocky material that is heavily scarred with
craters from meteorite impacts. The
moon is composed of a core, partially molten mantle, and a crust.
The surface of the Moon is covered with craters, basins, and cratered
highlands, called terrae. The soil that covers the Moon is called regolith,
and is composed of rock fragments and fine dust grains. The maria are
lowland plains that were once craters that were later flooded by lava.
From Earth the terrae appear bright and the Maria are dark.
The Moon keeps one side permanently turned towards Earth.
The first Moon landing was made by Apollo 11, on July 20, 1969. Neil Armstrong and Buzz Aldrin were the first human beings to walk on an extraterrestrial body. The Moon is the only extraterrestrial body that has ever been visited by humans and is also the only body from which samples were brought to Earth.
Humankind
has not woven the web of life. We are but one thread within it. Whatever
we do to the web, we do to ourselves. All things are bound together. All
things connect.
- Chief Seattle, 1855
If you have a comment, quote, or joke for us, please E-mail us at: newsletter@seniordiscounts.com.
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Chicago, IL 60614
info@seniordiscounts.com
www.SeniorDiscounts.com
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2006
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