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If given a choice by your credit union (avoid for-profit-banks, go with credit unions), choose a fee free credit card over a debit card. Debit cards draw directly from your money, and if pilfered can wipe you out; whereas, credit cards you are usually limited to a $50 loss if reported right away.
Credit cards also cover you in case you have a dispute...We were able to avoid a several thousand dollar loss on a trip when the cruise line went bankrupt right after 9/11. Had we paid by debit card, it would have been our loss. Thanks, American Express !
My local community college offers free credited classes to senior citizens, as long as a class is not filled. They don't even charge a registration fee. One can audit a class for no credit or opt to earn credit. As a bonus, one can get student discounts some places if you are enrolled & have an ID card. In my community, continuing education (non-credited) classes are not included in this free deal... (click title for more info)
... But it pays to ask because different areas do this differently. Some areas consider seniors to be 62+, others 65. A 70-yr-old woman in the last class I took was ready to earn a graphic-design degree & had not paid a cent in tuition, paid only for books and supplies.
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