Monday, April 11, 2016

Over Age of 55? Discounts and other offers.

Shopping

  • Banana Republic: 10% off (50+)
  • Bealls: 15% off every Tuesday (50+)
  • Bed Bath and Beyond: 10% off mailing club (55+)
  • Belk: 15% off first Tuesday of every month (55+)
  • Bon-Ton Department Stores: 15% off on senior discount days with a BonTon credit card. (55+)
  • C.J. Banks: 10% off every Wednesday (60+)
  • Clarks: 10% off (62+)
  • Dress Barn: 10% off (55+) (varies by location)
  • Goodwill: 10% off one day a week (date varies by location)
  • Hallmark: 10% off one day a week (date varies by location)
  • Hancock Fabrics: 15% off on the 1st and 3rd Wednesdays of the month. (55+) In-store only.
  • Kohl's: 15% off  (60+) on Wednesdays
  • Lens Crafters: 30% off for AARP members
  • Michael's: 10% off on Tuesdays with AARP card
  • Modell's Sporting Goods: 10% off
  • Rite Aid: 20% off on the first Wednesday of the month for wellness+ members (65+)
  • Ross Stores: 10% off every Tuesday (55+)
  • Tanger Outlets: Free coupon book for AARP members
  • The Salvation Army Thrift Stores: up to 50% off (55+)
  • TJ Maxx: 10% on Tuesdays, varies by location.
  • Stein Mart: 20% off red dot/clearance items first Monday of every month (55+)
  • Walgreens: "Senior Day" once a month. (Balance Rewards members 55+ and all AARP members). Day of the month varies by location. Discount is 20% off Walgreen brands and 15% of most everything else.

Grocery store discounts over 50

  • Albertsons: 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+)
  • Fry’s Supermarket: free Fry’s VIP Club Membership & 10% off every Monday (55 +)
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  • Great Valu Food Store: 5% off every Tuesday (60+)
  • Gristedes Supermarket: 10% off every Tuesday (60+)
  • Harris Teeter: 5% off every Thursday (60+)
  • Hy-Vee: 5% off one day a week (date varies by location)
  • Kroger: 10% off 5% off as of May 2014 (Wednesdays only, 60+)
  • Morton Williams Supermarket: 5% off every Tuesday (60+)
  • Pathmark: 5% on Monday (60+)
  • The Plant Shed: 10% off every Tuesday (50 +)
  • Publix: 5% off every Wednesday only in Tennessee, North Carolina and the northern portions of Alabama, South Carolina and Georgia (55 + 60+)
  • Rogers Marketplace: 5% off every Thursday (60+)
  • SuperFresh: 5% off on Tuesdays on purchases over $30 (55+)
  • Uncle Guiseppe’s Marketplace: 5% off (62+ on Wednesdays)
  • Waldbaum’s: 5% off Tuesdays on purchases over $30 (55+)

Restaurant discounts over 50

Here are some of the restaurants that offer discounts to seniors. 

Over 50 or AARP membership

  • Arby’s: 10% off (55+)
  • Ben & Jerry’s: 10% off for seniors (60+)
  • Bennigan’s: discount varies by location (60+)
  • Bob’s Big Boy: discount varies by location (60+)
  • Bonefish Grill: 15% off for AARP Members
  • Boston Market: 10% off (65+)
  • Burger King: 10% off (60+) plus additional discounts on coffee and soft drinks
  • Bubba Gump Shrimp Co: 10% off for AARP Members
  • Carrabba’s Italian Grill: 20% off on Wednesdays to AARP Members
  • Carrows Restaurants: Golden 55 Menu offers discounted bfast, lunch & dinner (55+)
  • Country Kitchen: Great Senior Menu (55+)
  • Dairy Queen: 10% off for seniors (15% for coaches) varies by location (free small drink at some locations)
  • Denny’s: Exclusive menu for guests over 55, and 15% off for AARP members
  • Dunkin’ Donuts: AARP members receive a free donut with the purchase of a large hot coffee (at participating restaurants)
  • El Pollo Loco: 10% off senior discounts varies by location (55+)
  • Fuddrucker’s: 10% off any senior platter (55+)
  • IHOP: Great discounts on senior menu items (55+)
  • Jack in the Box: up to 20% off (55+)
  • Kagle’s Barbecue: 10% off (50+)
  • KFC: Free small drink with any meal (55+)
  • Krispy Kreme: 10% off (50+) (discount and age vary depending on location)
  • Long John Silver’s: Various discounts at locations (55+)
    McDonald’s: discounts on coffee everyday (55+)
  • Old Country Buffet: Daily discounts for seniors (55+)
  • Outback Steakhouse: 15% off AARP members for meals Monday through Thursday (alcohol excluded)
  • Papa John’s: 25% off (55+) for online orders. Enter the code “AARP25” when placing your order
  • Steak ‘n Shake: 10% off every Monday & Tuesday (50+)
  • TCBY: 10% off (55+)
  • Tea Room Cafe: 10% off for seniors (50+)
  • Traditions Restaurant (East TX): Senior platter meal for $4.71 (50+)
  • Wendy’s: 10% off (55+)  Senior age and special offer will vary depending on the restaurant location. Please ask the restaurant for details.
  • Whataburger: Free drink w/ purchase of a meal- varies by loc. (55+)

Over 60

  • Applebee’s: 10-15% off senior discounts (varies by location) MAY require Golden Apple Card (60+) Update 3/16/15- We have heard rumblings that Applebee’s has discontinued this program- will update once we can verify.
  • A&W All American Food: 10% Senior discount varies by location
  • Backyard Burger: free drink with purchase
  • Captain D’s Seafood: “Happy Wednesday Offer” choice of 8 meals + drink for $4.99 or less- varies by loc. (62+)
  • Chili’s: Senior discount offers vary by location
  • CiCi’s Pizza: 10% off (60+)
  • Culvers: 10% off senior discount (60+)
  • Einstein’s Bagels: 10% off baker’s dozen of bagels (60+)
  • Friendly’s Restaurants: Breakfast discount varies by location (60+) Senior List readers to confirm
  • Gatti’s Pizza: 10% off (60+)
  • Golden Corral: 10% off (60+)
  • Hardee’s: $0.33 beverages everyday (65+)
  • Mrs. Fields: 10% off at participating locations (60+)
  • Ponderosa Steak Houses: Senior Discounts Vary- Senior menu available (60+)
  • Shoney’s: 10% off Sonic: 10% off or free beverage (60+)
  • Sonic: 10% off or free beverage (60+) varies by location
  • Subway: 10% off (60+)
  • Sweet Tomatoes: 10% off (60+)
  • Taco Bell: 5% off; free beverages for seniors (65+)
  • Village Inn: 10% off (60+)
  • Waffle House: 10% off every Monday (60+)
  • White Castle: 10% off (62+)

Tax savings over 50

These tax-saving strategies can make saving a little easier as you near retirement. 

  • IRA deduction: If you're 50 and over, you can contribute an additional $1,000 to an IRA
  • 401(k) catch-up contributions: If you're working and 50 or over, you contribute an additional $6,000 tax-deferred to a 401(k). 
  • No early withdrawal penalty for IRA accounts: Once you turn age 59 1/2, you can withdraw money from an IRA for any reason without incurring the 10 percent tax. Income tax will be due on withdrawals from traditional retirement accounts at any age, however.
  • Bigger standard deduction: In 2016, the standard deduction is $7,850, which is $1,550 more, and for married couples the standard deduction increases to $15,100 for married couples age 65 or older. 
  • Higher tax filing threshold: The threshold for being required to file a tax return increases to $11,850 ($23,100 for couples) age 65 and older. 
  • Property tax breaks: You may qualify for property or school tax deferrals or exemptions, depending on where you live and your age and income.
  • Tax on required minimum distributions: Since after age 70 1/2 you are generally required to withdrawal money from traditional retirement accounts and pay the tax or pay a penalty, if you don't need the money, why not give it to charity? If you are retired and at least age 70 1/2, you can transfer any amount up to $100,000 from an IRA to a qualified charity and avoid income tax on the contribution. If you would give a certain amount to a charity anyway, this is one great way to avoid the tax! 
  • HSA contributions: You can transfer $1,000 more a year (a total of $4,350) to a health savings account once you reach age 55 on a high-deductible health plan.
  • Medical expenses: A taxpayer who is under 65 can deduct medical expenses exceeding 10% of their AGI, but once you reach age 65, this threshold decreases to 7.5%. Plus, if you are married, if only one of you is over 65, you both get to use this deduction.

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