THE DOWNLOAD MONEY MATTERS pancakes at IHOP
Free dessert at Chili’s Free treat at Denny’s Birthday reward
at Panera Pro tip: When you
sign up for these programs, use a dedicated email
address just for rewards so your inbox isn’t constantly cluttered with junk ads.
7 8
TECH CLASSES AT APPLE Apple off ers free Today at
Apple (
apple.com/today) workshops at stores nationwide. Topics range from iPhone basics to photography and digital security tips, providing a great way to stay up-to-date with the ever-changing tech landscape. No purchase required.
CVS AND WALGREENS REWARDS
The CVS ExtraCare and Walgreens rewards programs give you discounts, coupons, and cash back on purchases. And these points add up quickly — often leading to $5 or $10 rewards with little eff ort. Sign up once, scan your card at checkout, and watch the savings fl ow. Pro tip: Once you sign up for CVS,
opt for emailed receipts, which can help you avoid the obnoxiously long paper receipts.
9
CREDIT CARD PERKS If you have a Chase Sapphire or
Amex Platinum credit card, or even some Visa Signature cards, you may already have: Trip delay/cancellation insurance Lost baggage reimbursement Emergency medical evacuation
coverage Primary rental car collision
coverage DoorDash, Uber, and Walmart+
credits Free subscriptions to The New
York Times, Hulu, Disney+, The Wall Street Journal, and more Shopping discounts and protections
10
BOOKS, COURSES, AND AUDIOBOOKS
Most public libraries now off er free access to streaming video (like Kanopy), audiobooks (Libby/Hoopla), and even online courses, all with just a library card. Many libraries partner with platforms such as LinkedIn Learning, Coursera, or Gale Courses to provide free access to thousands of skill-building online classes. These include everything from photography and graphic design to Excel and public speaking.
11
MUSEUM ADMISSION Thanks to a partnership
with Bank of America, Museums on Us off ers free entry to cultural institutions across the U.S. during the fi rst full weekend of the month. Don’t have a BofA card? Many museums off er free days, such as the fi rst Tuesday of each month, so check the website of the museum you want to visit to see when freebie and discount days are available.
12
NATIONAL PARKS Adults 62 and older can
buy a lifetime National Parks pass for just $80 and then visit for free forever after. This pass also includes a 50% discount on amenity fees like camping and boat launches. Current U.S. military service
members and their families can get free annual America the Beautiful passes, and veterans and Gold Star families can get free lifetime America the Beautiful passes. And anyone can enter national
parks for free on designated days like National Public Lands Day and Martin Luther King Jr. Day. That includes premium parks like Yosemite, Yellowstone, and Acadia National Park.
CLEAR and Global Entry credit Roadside assistance Check your benefi ts online. You’ll
want to make sure the savings off set any annual fee you may be paying.
NEW 401K CHOICES Many employers are adding new
investment options to their retirement plans, which sounds good but may mean riskier decisions. Annuities, private equity, private credit funds, and even cryptocurrency off erings are being introduced. Remember: Your employer isn’t a financial adviser, and some options may not be suitable for you. For instance, annuities can have high fees, and private equity or private credit funds may be dif icult to evaluate. And crypto can be volatile. Talk to a fee-only fiduciary for advice and guidance.
AI CAR SCANNERS Some rental car companies are
using artificial intelligence scanners to look for damage such as scratches, dings, and dents when you return your vehicle. Worse, many of the issues aren’t visible to the naked eye. To protect yourself, before you drive off with a rental, scrutinize it and take photos or videos of even the most minor damage. If you do get charged for damages, get a human agent involved and ask if the blemish was seen with an AI scanner.
COFFEE COSTING MORE According to the Bureau of Labor
Statistics, the cost of roasted coff ee increased 12.7% in June compared to the previous year. And instant coff ee rose 16.3%. The culprits are climate change, tariff s, labor shortages, and rising production costs, including higher prices for fertilizer, energy, and transportation. To combat the high cost, brew at home, seek deals and discounts on new or unknown brands, and buy in bulk.
MEDICAL DEBT LINGERS A Biden-era rule from the Consumer
Financial Protection Bureau (CFPB) was struck down recently. This one was designed to remove medical debt from consumers’ credit scores. The move could have boosted people’s scores by 20 points or more, but a federal judge said the rule exceeded the CFPB’s authority. While medical debt is believed to be a poor indicator of a person’s creditworthiness, it will remain a part of credit scores.
OCTOBER 2025 | NEWSMAX MAXLIFE 77
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