ALWAYS ASK for these discounts...

Cash payment
As first reported by The Wall Street Journal, Visa Inc. and Mastercard Inc. plan to increase the fees they charge merchants for processing credit card payments by more than $500 million! So going forward, merchants will eagerly accept cash.

Recent transaction on a day trip to Del Norte Colorado:

Senior citizens discount
If you enroll in an AARP or Association of Mature American Citizens membership on your 50th birthday, you’ll have a head start cashing in on senior discounts. For all other discounts, the minimum age requirements vary based on the company or location and can range from 50 to 65 years of age.

A great guide is here.  For food deals,

Medicare Advantage Plans Stink

1. Medicare Advantage vs Traditional Medicare:
- Medicare Advantage plans are aggressively marketed to those turning 65, but traditional Medicare is often overlooked.
- Traditional Medicare has parts A, B, and D, and supplements, while Medicare Advantage rolls everything into one plan.

2. The Drawbacks of Medicare Advantage Plans:
- Switching from an Advantage plan to traditional Medicare can be difficult, and buying a supplement may require a medical evaluation.
- Advantage plans limit your choice of doctors and facilities, which could be detrimental in the case of a serious illness.

3. The Benefits of Traditional Medicare:
- Traditional Medicare may be more difficult to understand and have higher premiums, but it offers more options for seeking out the best care.
- With traditional Medicare, you are in control of your healthcare, while with Advantage plans, the insurer limits your care and options.

Wall Street Cheating - Compare Apples to Oranges

The S&P 500 Index started tracking stocks 64 years ago. The problem is most of those stocks are no longer in the index.

To remain indicative of the largest public companies in the United States, the index is reconstituted quarterly.

The S&P 500's most recent restructuring was on Mar. 12, 2021. NXP Semiconductors, Penn National Gaming, Generac Holdings, and Caesars Entertainment were added, replacing Xerox Holdings, Flowserve, SL Green Realty, and Vontier.

So when you see the chart, it is not giving you the performance of the same 500 companies over time. Rather it is  skewed to high-performance companies each and every quarter.