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.

Easy Estate Planning

The need for a will is becoming less and less. And going thru the probate process may become a thing of the past. Here is what you need to check on:

Brokerage Account:  Transfer on Death (TOD)
A way of designating beneficiaries to receive your assets at the time of your death without having to go through probate. This designation also allows you to specify the percentage of assets each person or entity (your "TOD beneficiary") will receive. Your assets will then be automatically transferred to the designated beneficiaries upon your death.

Bank Account: Payable on Death (POD)
An arrangement between a bank or credit union and a client that designates beneficiaries to receive all the client's assets. The immediate transfer of assets is triggered by the death of the client.

Real Estate: Transfer on Death Deed
When the homeowner dies, title to the real estate passes to the beneficiary or beneficiaries, named in the Transfer-on-Death Deed, similar to how title passes in a Joint Tenancy Deed. This Deed avoids Capital Gains Taxes to be paid by the Beneficiaries at time of sale. Not all states allow them.
If you want to pass property to family members, look into a Quitclaim deed