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Young at Heart April 2021

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and Dairy Queen (dairy- queen.com) which offers 10 percent off all purchases. Seniors get discounts on a variety of activ- ities. For example, Cinelux movie theatres (cineluxtheatres.com) in Capitola (831-479- 3504) and Scotts Valley (831-438-3260) offer discount tickets to se- niors. Actually, before noon people of all ages get reduced prices. Then seniors get discounts on matinees (noon to 5 p.m.) and evening shows. Both locations also have $5 Tuesdays for all ages (except on holidays). Downtown Santa Cruz's Santa Cruz Cinema (831-291-9728, santacruzcinema.com), at the former location of Cinema 9 on Pacific, also offers discount senior tickets. The Museum of Art and History (831-429- 1964, santacruzmah.org), the Santa Cruz Museum of Natural History (831- 420-6115, santacruzmuse- um.org), and the Seymour Marine Discovery Center (831-459-3800, sey- mourcenter.ucsc.edu) all offer admission discounts for seniors. Want to venture out- doors? DeLaveaga Golf Course offers a senior dis- count card to Santa Cruz County residents ages 60 and older. Visit delaveaga.quick18.com/ store/santa-cruz-county- discount-card/santa-cruz- senior-discount-card. The California State Parks system has various dis- counts available to those 62 and up. These include vehicle day use and family camping fees. Visit parks. ca.gov/?page_id=23800 for details. The National Park Service also offers senior passes, available with annual or lifetime options, for access to hundreds of U.S. locations including nearby Pinna- cles National Monument (nps.gov/pinn/index.htm). See nps.gov/planyourvisit/ senior-pass-changes.htm and note that lots of parks have free admission. There are other dis- counts which fall into a miscellaneous category. At downtown store Toque Blanche (831-426-1351, mytoque.com), seniors 65 and over get 5 percent off anything in the store excluding sale items. Toque Blanche has a few gourmet food selections, plus cookware, bakeware, cutlery, cooks' tools and accessories. At Wal- greens (walgreens.com) those 65 and older get 20 percent off their purchase (excludes sale items) on the first Tuesday of each month. This is at all locations including Santa Cruz, Scotts Valley and Freedom. Santa Cruz Met- ro offers discount fares and passes to those 62 and older. Visit scmtd.com/en/ fares/discount-photo-id or call 831-425-8600 for more information on what is required when boarding a bus or when buying a pass at the Santa Cruz or Watsonville transit center. Chaminade Resort & Spa Dream Inn - (Contributed photo) Discounts... continued from page 1 Toque - (Contributed photo) New Leaf - (Contributed photo) (831-475-5600, chaminade. com) has a current pro- motion that gives seniors discounts through May 27. Those 65 and older can get a $65 daily rate for week- day overnight stays, while supplies last. Dream Inn Santa Cruz (855-876- 8903, dreaminnsantacruz. com) regularly offers a se- nior rate for guest rooms. Client Scenario A retired couple, both 74 years young, live a comfor table, conservative lifestyle in a retirement community they love. One spouse's income was cut by $1,100 - d own to a total of $2,500/month. They still have a $240,000 mor tg age with a $1,300/month payment on their $430,000 home. They feel like they can survive with the unpredicted pension cut, but they'd like to continue their normal social lives, and not wor ry about a night spent out to dinner and the movies. Assets $125,000 between 401 Kand an I RA Social Security $1,800/month Pension $2,500/month Goals I Concerns They'd like to continue their comfor table lifestyle witho ut worrying about depleting their nest egg. Call Today For More Information Dan Casagrande NMLS: #561104 Reverse Mortgage Specialist Cell (408) 297-0000 Office (831) 423-2900 1414 Soquel Ave. Santa Cruz, CA, 95062 dcasagrande@mutualmortgage.com www .m utua !reverse.com/ dan-casagrande Options 1. Change their lifestyle and adjust spending to new income 2. Increase withdrawals on their IRA or 401K to maintain their current lifestyle 3. Obtain a reverse mortgage to pay off the $240,000 mortgage balance Summary They were able to remove their monthly mortgage payment oblig ation without liquidating other assets. Their monthly cash flow improved, and now exceeds what was cut from the pension. Calculations based on a 1-year (Ml monthly adjusting program with an initial interest rate of 2.58%. Maximum APR (Annual Percentage Rate) 7.58% as of 03/10/21. Rates subject to change. Borrower must maintain home as primary residence and remain current on property taxes, homeowner's insurance, the costs of home maintenance, and any HOA fees. For use by financial planners only. Not intended for consumer use. MOOMR.032 67. Dan Casagrande NMLS# 561104, Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego CA 92108. Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act, License 4131356. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. www.nmlsconsumeraccess.org R E V E R S E M O R T G A G E

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