Peter Sander (Granite Bay, CA) is an author, researcher, and consultant in the fields of personal finance, business, and location reference. Many of his 48 books specialize in finding value in personal finances (The Pocket Idiot's Guide to Living on a Budget, 573 Ways to Save Money); investments (the 100 Best Stocks to Buy series, Value Investing for Dummies); and places to live (the Cities Ranked & Rated series). Other titles include What Would Steve Jobs Do?, 101 Things Everyone Should Know About Economics, and The 25 Habits of the Highly Successful Investor. He has an MBA from Indiana University and has completed Certified Financial Planner (CFP®) education and examination requirements.

THE BASICS/NECESSITIES

Medical
. OTC medication
. Drug trials
. Alert systems, security
. Mobility aids, other equipment
. Vaccinations, immunization
. Overseas care
. Therapy
. Dental
. Eye care
. Veterinary

Taxes (Federal/State/Local)
. Property tax discounts
. Over 65 exemption
. Direct IRA contributions to charity

Food
. Store bought food
. Gleaners
. Restaurants
. Coffee, coffeehouses
. Test marketing
. Health foods
. Alcohol

Clothing, Fabric Care
. Cothing purchases
. Dry cleaning, etc

Automotive
. Vehicles
. Services - repair, car wash, etc
. Insurance

Home Office
. Office services
. Computers

Home Improvement

Home Care and Maintenance
. Cleaning services
. Yard maintenance
. Security services
. Waste disposal services
. Equipment

Utilities
. Local utility services
. Alternative energy, solar

Banking, Finance
. Account fees, etc
. Credit cards
. Financial advice, services

Legal Services

HAVING FUN/LEISURE ACTIVITIES

Travel
. Air travel
. Rental cars
. Rail
. Cruise and other water travel
. Tour packages
. Hotels
. Resorts

Discount Admissions
. Museums
. Theme parks
. National, state and local parks
. Music, theater, performing arts
. Golf

Therapy/Relaxation/Exercise
. Gyms, exercise facilities
. Pools
. Spas
. Diets/dietary
. Personal care - hair, nails, etc
. Massage

Recreation/Pastimes
. Spectator sports
. Entertainment - movies etc
. Books/magazines/newspaper media
. Internet, internet services
. Arts & craft/hobbies/collecting/scrapbooks
. Boating, water sports
. Skiing, snow sports
. Hunting, fishing

SHOPPING, LEARNING AND MORE

Merchandise
. Senior discount days at stores
. Exercise clothing and equipment
. Jewelry, personal items
. Computers/electronics
. Pet supplies and services
. Antiques/collectibles

Education
. Adult education
. Community colleges
. Training courses

Charitable, Non-Profits
. Discounted organization memberships