July 27, 2026—9-10—It’s YOUR Business Show---52-81

((From the Blackburn Studios in Downtown Sioux Falls Welcome to our It’s YOUR Business Show

  I’m Bill Zortman and Welcome to our It’s YOUR Business Show---show 5281 in our ORIGINAL IT’s YOUR Business Series.

(((((MUSIC---THIS OLE HOUSE

You could be missing out on $1,000s, and you might not even realize it.

Sure, you might know about some senior discounts at diners or retail stores. But what you might not know is there are a number of lesser-known programs that can help slash bills, reduce insurance costs, and unlock powerful financial perks — right now.

We pulled together some of the most valuable money moves for 2026. Cut expenses, boost your retirement, and recession-proof your finances. Check out these offers from our partners below!

Too Many Seniors Don’t Realize They Can Try This

Check if you qualify for a Medicare Savings Program before paying another premium: Medicare Savings Programs are state-run programs that can cover your Part B premium — $202.90/month in 2026 — plus deductibles and copayments for qualifying lower-income seniors. Enrollment also automatically unlocks Extra Help for prescription drug costs, which the SSA values at up to $5,700 a year, yet many eligible seniors never apply.

Apply for Extra Help to cap what you pay for prescription drugs: Extra Help (also called the Low Income Subsidy) is a federal program that caps prescription drug costs for eligible seniors. Millions of qualifying seniors don't apply simply because they don't know it exists, and that means they're overpaying for medications every single month.

Use a free SHIP counselor before making any Medicare decision: Every state offers free, unbiased Medicare counseling through its State Health Insurance Assistance Program (SHIP) — no sales pitch, no cost, no strings. Seniors who skip this and choose plans on their own often end up locked into coverage that costs more or covers less than what they actually qualify for.

Claim the new senior tax deduction before filing this year: A provision in effect from 2025 through 2028 gives Americans 65+ an additional tax deduction of up to $6,000 per person — which, for many lower-income retirees, can effectively eliminate federal taxes on Social Security income. Seniors who aren't aware of this and file without it are leaving real money on the table.

Delay Social Security past 62 if you can — every year costs you: Claiming Social Security at 62 permanently reduces your monthly benefit compared to waiting until your full retirement age or later — and benefits grow roughly 8% for each year you delay past full retirement age, up to age 70. Seniors who claim early because they assume it's always the right move can end up with significantly less income over the course of a long retirement.

There's more on the table than most people realize — and much of it goes overlooked simply because no one explained it was there. The offers below aren't exclusive to seniors — they're available to just about anyone. Since you're already thinking about making the most of what you've earned, check out these offers from our partners:

9:17/00—KELO Commercials

9:18/30---Business 2

--some more thoughts----

Get major discounts from top retailers

Goodwill Senior Discount: Discounts ranging from 10% to 20% off on select days.

Kohl's Senior Day: 15% discount every Wednesday for customers aged 60 and above.

Walgreens Seniors Day: Walgreens offers a Seniors Day once a month where customers aged 55 and older can receive 20% off eligible, regular-price items. The specific day varies, so it's recommended to check with your local Walgreens for details.

Amazon Prime Senior Discount: Discounted Prime membership for seniors who are recipients of qualifying government assistance programs such as Medicaid or SSI. This membership provides access to all Prime benefits at a reduced monthly cost.

Pay no interest into 2027 with this no annual fee card

If you're struggling to pay down high interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There's a card that allows you to pause credit card interest into 2027 ... and the best part is that it could be easier than you think. 

Discover it® Cash Back (Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 15 months on purchases and balance transfers. (Then APR is 17.49% - 26.49% (Variable); Balance transfer fee applies.) That's right — you can now finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges — all with no annual fee.

But it doesn't end there. The Discover it® Cash Back card also lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, Discover will match all the cash back you’ve earned at the end of your first year.

---more after a mid-break---

9:29/00—KELO Commercials

9:30/30---fox Business News

9:32/30---Business show

--looking at some options----as we start the week--

Apply now for the Discover it® Cash Back card

Earn 10% cash back on your next Walmart purchase

If you're still using an account that charges monthly fees and you earn next to nothing on your savings, you need to try OnePay. When you bank through OnePay, you get a mobile banking app and secured credit card with no monthly fees, no minimum balances, and no overdraft fees.1

Sign up for OnePay here and you can earn 3% cash back on Walmart, gas, or dining on up to $150 spent per month, with eligible deposits.2On top of that, you can earn 3.35% APY on your savings with eligible deposits3and get paid up to 2 days early when you set up direct deposit.4 And you can earn 25¢/gallon extra cash back on your first gas purchase.5

You also get fee-free overdraft with eligible deposits,6fee-free cash withdrawals at 55,000+ Allpoint ATMs worldwide,7and free bill pay with eligible deposits.8

Limited time offer: earn up to $350 cash back with direct deposits when signing up to bank through OnePay with a FinanceBuzz link through 8/31.9 Plus, new members earn 10% cash back on your first Walmart purchase made within your first month, on up to $200 spent.10

Open a OnePay deposit account today

Roof Rot and more—on it yous Business Show next

9:43/30—KELO Commercials

9:45/00---Business

How South Dakota homeowners are preventing roof rot, mold, and foundation damage for good

Most homeowners think of gutters as just a cleaning chore. The bigger risk is what happens when they clog. Overflowing gutters can lead to water damage, roof rot, mold, even foundation problems, the kind of repairs that run into the thousands.

If you own a home in South Dakota, HomeBuddy offers a powerful, one-of-a-kind gutter guard built to prevent exactly that. Their micromesh filter keeps common debris out, so your gutters stay clear and your home stays protected. And because it actually works, you may be able to stop hiring gutter cleaners altogether. The company will even clean out and realign your gutters before they install.

Don't waste money on cheap, ineffective guards that claim to be clog-free. This one's built to last.

See if you qualify today: Click the link below, enter your ZIP code and home info, and a representative will reach out to schedule a free estimate.

See if you qualify

Ask this company to pay off your credit card debt

If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, National Debt Relief might be able to assist you in consolidating your debt into one low monthly program payment.

Best of all? There are zero fees until your debt is settled, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!11

Try National Debt Relief

Did You Know?

On average, debt settlement saves clients around 32% of their enrolled debt after fees, according to a 2023 study by the Association for Consumer Debt Relief. The consultation costs nothing. People who enroll and complete the program could be debt-free in 24 to 48 months.

Sources: Association for Consumer Debt Relief (2023)

Diversify your hard-earned retirement savings with gold

You’ve spent your whole life building up your retirement savings, but market volatility and inflation could be threatening everything you’ve worked so hard for.

Priority Gold is actively helping Americans like you find greater retirement security with precious metal investments. They offer everything from physical ownership to IRAs in gold and silver that have a proven track record during unstable markets.

In fact, from 2005 to 2020, the price of gold increased by 330%. And during the stock market crash of 2008, the value of gold actually increased by 25%.12

Take control of your legacy today in 3 easy steps:

Request your FREE Gold and Silver Guide and receive up to $20,000 in free silver on qualifying orders.13

Speak to a dedicated specialist about the best option for you.

Transfer or invest to better diversify your portfolio.

You're in good hands — Priority Gold boasts an A+ rating with the BBB and 4.8/5 stars on TrustPilot. If you have at least $20,000 in savings, IRAs, or your 401K take control of your savings now and download your FREE Gold and Silver Guide.

Pay less when you stay at hotels and dine outH

9:54/00—KELO Commercials

9:55/30---Business 5

---10:00 hour—we have ag stuff to talk about and more----

Feel free to join our team---we have a number of things we can share and have been doing this for so many shows---5282 shows

We’ll get back into the Ag Side in the 10:00 hour—check what is happening in Pierre this week-----and much more

---for now our time is up—thank you for yours.   You could be missing out on $1,000s, and you might not even realize it.

Sure, you might know about some senior discounts at diners or retail stores. But what you might not know is there are a number of lesser-known programs that can help slash bills, reduce insurance costs, and unlock powerful financial perks — right now.

We pulled together some of the most valuable money moves for 2026. Cut expenses, boost your retirement, and recession-proof your finances. Check out these offers from our partners below!

Too Many Seniors Don’t Realize They Can Try This

1. Check if you qualify for a Medicare Savings Program before paying another premium: Medicare Savings Programs are state-run programs that can cover your Part B premium — $202.90/month in 2026 — plus deductibles and copayments for qualifying lower-income seniors. Enrollment also automatically unlocks Extra Help for prescription drug costs, which the SSA values at up to $5,700 a year, yet many eligible seniors never apply.
2. Apply for Extra Help to cap what you pay for prescription drugs: Extra Help (also called the Low Income Subsidy) is a federal program that caps prescription drug costs for eligible seniors. Millions of qualifying seniors don't apply simply because they don't know it exists, and that means they're overpaying for medications every single month.
3. Use a free SHIP counselor before making any Medicare decision: Every state offers free, unbiased Medicare counseling through its State Health Insurance Assistance Program (SHIP) — no sales pitch, no cost, no strings. Seniors who skip this and choose plans on their own often end up locked into coverage that costs more or covers less than what they actually qualify for.
4. Claim the new senior tax deduction before filing this year: A provision in effect from 2025 through 2028 gives Americans 65+ an additional tax deduction of up to $6,000 per person — which, for many lower-income retirees, can effectively eliminate federal taxes on Social Security income. Seniors who aren't aware of this and file without it are leaving real money on the table.
5. Delay Social Security past 62 if you can — every year costs you: Claiming Social Security at 62 permanently reduces your monthly benefit compared to waiting until your full retirement age or later — and benefits grow roughly 8% for each year you delay past full retirement age, up to age 70. Seniors who claim early because they assume it's always the right move can end up with significantly less income over the course of a long retirement.

There's more on the table than most people realize — and much of it goes overlooked simply because no one explained it was there. The offers below aren't exclusive to seniors — they're available to just about anyone. Since you're already thinking about making the most of what you've earned, check out these offers from our partners:

Get major discounts from top retailers