With new partner Capital One, Walmart is offering a store credit card or a co-branded Walmart Mastercard. With the use of their app tied in with a Capital One credit card, you get 5% off purchases in-store for a year, 2% after that.  Walmart.com purchases with their card maintain the 5% discount after the first year. As the 3 titans of retail – Amazon, Walmart and Target continue to slug it out (Costco in a class by themselves) – consumers benefit. Loyalty discount cards are the game plan.  In a world of bad news, know you’re surrounded mostly by good people. American Psychologist published a study about bystanders confronted with fellow humans in trouble. The common belief is that most people do nothing to help out strangers. Now there are security cameras in metros all over the world, giving an opportunity for researchers to observe human behavior. In danger situations in 3 different cities, bystanders intervened to calm, protect and stop conflicts 91% of the time. The more bystanders there are when trouble starts, the greater the change some will step in to help – safety in numbers. Often when called upon, humans wish to do the right thing. Knowing why auto insurance rates go up, helps you keep them down. Here's what you need to know: 1. In almost all states insurers can set premiums based on your credit score. 2. The Consumer Federation of American has found that your zip code is a factor. 3. Do not purchase roadside assistance from your auto insurer. They count this as a claim as an excuse to jack your rate. They even put it on your CLUE report to hose you with any other insurer. State insurance regulators should prohibit this practice of cheating customers. Don’t have this benefit unless you get it writing that roadside assistance will NOT constitute a claim. 4. Many states allow using divorce to raise rates, kicking you while your down. Learn more about your ad choices. Visit megaphone.fm/adchoices