Page 22 - AAA Northampton County – AAA Now! – Winter 2016

AAA
PACK YOUR WALLET FOR TRAVEL
A Spending Strategy for Traveling Abroad
MEMBER SERVICES
You’ve probably set a budget for your upcoming trip, but have you considered how you’ll access those funds while traveling? Don’t let international payment modes catch you off-guard; use these tips to pack your wallet as carefully as you pack your suitcase.
• Credit card: Travelers tend to rely on their credit cards for travel expenses because most vendors accept major credit cards. The exchange rate charge may be better
as the market fluctuates, but most credit cards charge
a foreign transaction fee as high as 3 percent, so check your accounts to find the best offer. This is a safe solu- tion for major purchases like hotels and restaurants.
• Cash: Even in today’s electronic world, you’ll need cash for outlets that don’t take plastic. The “chip and PIN” technology prevalent in Europe can be an issue
for magnetic-strip card use at a self-service kiosk like train stations or vending machines. Shop around before you leave to get the best exchange rate on currency; bringing cash covers you until you can find a proper exchange source.
• Prepaid card: Wildly popular, these reloadable cards give you secure access to your funds and also help you stick to
Grow your savings.
your budget. Buy prepaid cards before you leave and use them to make purchases and ATM withdrawals. Plus, they come with all of the protection of your credit card.
• Alerts and back-ups: Avoid frozen accounts by notifying your bank of your travel plans. Sudden expenses that are out of character can trigger a
security shutdown, leaving you without access to your account. Also check the bank’s emergency procedures: How long would it take to get a replacement card if yours was lost or stolen? Record the international toll-free number for your bank, and have a back-up plan to cover expenses in an emergency.
Most travel experts recommend you carry a prepaid card, a credit card, and a small amount of local currency. A little research will help you find the best options; or, simply stop by your local office or visit AAA.com
for all of your travel currency needs.
AAA Preferred Member Rates
TM
PLATINUM BONUS ANNUITY®
Open a high-yield, low-risk AAA CD by Discover Bank today. As a AAA member, you get preferred member rates on 12-, 24- or 60-month CDs, plus great rates on other CD terms.
1.35% 24-Month CD
as of 12/1/15
Use Invitation Code: AAACDA715
APY1
1-800-347-7056 or AAA.com/Deposits
Plan Today...Enjoy Tomorrow.
Issue Amounts
$3,000 - $49,999 $50,000 - $499,999 $500,000 and above
Current Base Interest Rate1
2.25% 2.25% 2.25%
First-Year Bonus Rate1
1.50% 2.00% 2.50%
Total First-Year Annuity Rate1
3.75% 4.25% 4.75%
Contact your local AAA Life Insurance professional today to learn more about the benefits of our Platinum Bonus Annuity.
Lisa Moyer – 610.258.2371
AAA Northampton County
3914 Hecktown Road, Easton, PA 18045
1Interest rates effective as of 11/23/15 and are subject to change without notice. Interest rates are annual effective yields. The first-year declared interest rate is guaranteed for the first contract year only and is separate from the guaranteed minimum rate effective for all contract years.
Annuities are usually purchased to meet long-term goals. Product and its features may not be available in all states. Under current tax law, earnings withdrawn before age 591⁄2 may be subject to IRS penalty and taxable. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. For complete terms of the annuity,please refer to the contract.AAA Life and its agents do not provide legal,tax,or financial advice.Therefore,you may wish to seek independent
legal, tax, or financial advice prior to the purchase of any contract. Annuities offered by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states except NY. AAA Life CA Certificate of Authority #07861. Contract Form Series: ICC11-4111/DA-4111. ALAN-22313-N15-XX
1Annual Percentage Yield (APY). Applies to personal accounts only. Advertised CD rate is accurate as of 12/1/15 and subject to change daily without notice. Rate applies to a 24-month term.
A penalty may be charged for early withdrawal. Fees could reduce the earnings on the account.
Deposit accounts offered by Discover Bank, Member FDIC ©2015 Discover Bank
Discover Bank
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3914 Hecktown Rd., Easton, PA • (610) 258-2371 • www.aaanc.com
WINTER 2016
Now!