What's Inside

You Earned It Twice · Harold Briggs

Here Is Every Page,
Before You Spend A Cent.

Fifty-two things you may be able to claim, one phone call a week, with the exact sentence to say written out for you. Below is the whole table of contents, and one complete entry so you can see exactly how it reads.

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Every one of the 52 is laid out exactly the same way

No jargon, no theory, no homework. What it is, who it's for, what it can be worth, the words to say on the telephone, and the trap that catches people. Here is entry number three, in full, as it appears in the book.

Call 3

The Extra Senior Exemption

Same house, same owner, a second and separate form

A great many people have the ordinary homestead exemption and stop there, because nobody ever told them there was a second one sitting behind it. It is not automatic. It does not arrive with your birthday card.

What it is

An additional break for owners over a certain age — usually 65 — that sits on top of the exemption you may already have. Two forms, two decisions, one house. They stack on top of each other like firewood.

Who it's for

Homeowners past the age line in the states and counties that offer it. Some places add an income test, some don't. Say plainly to the clerk that you are asking about the senior one specifically, because that is a different question from the one most people ask.

What it can be worth

In many places a few hundred dollars a year, every year, for as long as you own the house. Understand that is an illustration — your county's numbers will be your own.

The call
"Hello, my name is __________ and I'm over 65. I'd like to know which senior exemptions I'm eligible for, whether I already have any of them on my parcel, whether any of them are retroactive, and what the filing deadline is."
Here is where people get caught

They ask "am I getting my exemption?" and the clerk says yes — because the ordinary one is on there. Clerks answer the question you ask, not the question you should have asked. Ask for the list, not the yes.

From behind the counter

I'll call him Ray, seventy-nine, who had paid at my window every July since Nixon. He had the homestead. He'd had it since 1974. Nobody had ever mentioned the second form, and he had been over sixty-five for fourteen years.

☐ Done — date: __________ · What I found: __________________________

All 52, by part

Seven parts. One call a week, and a year from now you will have made all of them.

Part One · Calls 1–12

The House

  1. Start Here: Find Your Bill — the tax bill and the property record card, read line by line.
  2. The Homestead Exemption — the common one, and a great many people don't have it.
  3. The Extra Senior Exemption — same house, same owner, a second form.
  4. The Assessment Freeze — locking the value before it climbs again.
  5. The Circuit Breaker Credit — relief based on your income, usually claimed on the state return.
  6. If You Rent, This One Is Yours — most circuit-breaker states include renters.
  7. The Veteran's Exemption — every state offers something.
  8. The Disability Exemption — runs parallel to the senior one, with no age test.
  9. Property Tax Deferral — real, useful, and it puts a lien on the house.
  10. The Appeal — challenging the assessment, with the record card as your evidence.
  11. Asking About Past Years — some places will go back. Asking costs nothing.
  12. The Surviving Spouse Re-Filing — exemptions drop off when the deed changes.
Part Two · Calls 13–20

The Check You Already Get

  1. Your Three Numbers — the benefit at 62, at full retirement age, and at 70.
  2. What Claiming Early Actually Costs — and why it is permanent.
  3. The Survivor Rule — the survivor keeps the higher check, not both.
  4. The Earnings Test — and the part nobody explains: the money is not lost.
  5. The Tax on Your Benefits — no, it did not become tax-free. Here's what changed.
  6. The Twelve-Month Reset Button — once in a lifetime, and you repay every dollar.
  7. Suspending at Full Retirement Age — with two real catches.
  8. Spousal and Divorced-Spouse Benefits — including the ex-spouse rule.
Part Three · Calls 21–28

The Return

  1. The Senior Bonus Deduction — large, and it has an expiration date.
  2. The Three-Layer Stack — and exactly what it shields.
  3. The Line You Should Know Before December — timing a withdrawal.
  4. Why You Must Still File — a refund needs a return.
  5. The Over-Withholding Trap — Form W-4V and the four percentages.
  6. Amending a Past Return — generally three years back.
  7. Form 1040-SR and the Credit for the Elderly — and the honest verdict on both.
  8. Free Help That Is Actually Free — trained, unpaid, selling nothing.
Part Four · Calls 29–36

The Doctor Bills

  1. The Premium You Never See Leave — taken out before your deposit lands.
  2. QMB — The Big One — premium, deductibles and copays.
  3. SLMB and QI — for people just over the QMB line.
  4. Why You Should Apply Even If You Think You Earn Too Much.
  5. Extra Help for Prescriptions — and the cap on what you pay for drugs.
  6. SHIP — free, unbiased, in every state, selling nothing.
  7. IRMAA and the Appeal Nobody Files — for when your income has dropped.
  8. The Two Penalties That Never Go Away — signing up late costs you for life.
Part Five · Calls 37–44

The Household Bills

  1. LIHEAP — heating, cooling and emergency help. The money runs out: apply early.
  2. Weatherization — free insulation and heating work, with long waits.
  3. Lifeline — the phone and internet discount that still exists.
  4. The Utility Company's Own Programs — budget billing, medical certificates, hardship funds.
  5. SNAP After Sixty — sixty, not sixty-five, and the uncapped medical deduction.
  6. The Property Insurance and Auto Discounts — small money that repeats every year.
  7. The Subscription and Auto-Renewal Audit — twelve months of statements, read in pen.
  8. BenefitsCheckUp and Benefits.gov — the fastest hour in this book.
Parts Six & Seven · Calls 45–52

When Life Changes, And Keeping It

  1. Veterans: Aid and Attendance — free to apply, and never pay a poacher.
  2. The Surviving Spouse's First Ninety Days — in order, so nothing is invented while grieving.
  3. When Disability Comes Before Age — the programs with no birthday in them.
  4. The Caregiver's File — one folder, one index sheet, one person who knows where it is.
  5. When One Spouse Enters Care — spousal protections and three free places to get help.
  6. The Scam Chapter — urgency plus secrecy. Hang up and call back on your own number.
  7. The January Afternoon — one afternoon a year keeps every figure current.
  8. The Kitchen Table Conversation — the talk with the person who will outlive you.

And at the back of the book

  • The Sentence Cards — fifteen calls, fifteen scripts, set large on purpose. Photocopy them, cut them apart, keep the one you need by the telephone.
  • The 52 Calls, In One Place — every item on one page, so you can find the one you need without hunting.
  • The 52-Week Call Log — one line per call, in pen. Especially when the answer is no.
  • What I Got Back — a ledger for the one-time amounts and the monthly ones, in your own handwriting.
  • A tick-box and a date line at the end of every single item, so you always know where you stopped.

Who this is for — and who it isn't

It's for you if…

  • You're over 60, or you're buying it for a parent who is.
  • You've paid every bill on time for fifty years and never once been told what you stopped having to pay for.
  • You own a home — or you rent, because several items have a renter's version.
  • You're a widow or widower, or you're married and one of you will one day be.
  • You'd rather have the exact words in front of you than work out what to say.

It isn't for you if…

  • You want investment tips. There are none in here — this is about money you already have.
  • You want a scheme or a loophole. Every single item is an ordinary published rule.
  • You want somebody to do it for you. Harold sends you to free official offices, and you make the call.
  • You won't pick up a telephone. That is the whole method, and nothing works without it.
One call usually pays for it many times over

Start With Call Number One.

The book costs $29. One successful phone call often returns that many times over — and then keeps returning it every year for the rest of your life.

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General educational information only — not personal legal, tax or financial advice. Program rules vary by state, county and income and change every year. Always confirm with the agency involved or a licensed professional before you act. Results vary from person to person.