Page 20 - AAA Northampton County – AAA Now! – Winter 2018

AAA
RAINY DAY VS. EMERGENCY FUNDS:
Why They're Different Yet Both Necessary
Even the best savings plan can be interrupted when something unexpected occurs. Establishing rainy-day and emergency funds will allow you to handle unexpected expenses that come your way. But what's the difference between the two, and why are both necessary?
A rainy-day fund is money set aside for when random inconveniences strike. Automotive repairs, broken appliances, and last-minute travel emergencies hit when you least expect it; it's important that you're able to cover these costs without dipping into your checking account. You should try to set aside $1,000 - $2,000 for minor, unexpected events such as these.
An emergency fund is money saved to cover expenses if you
find yourself out of work for an extended period of time. If you're in-between lobs or get sick and can't work, this fund can be used to support you. Building up around six months' worth of income is a good rule of thumb, but you should save however much you feel
is enough.
Whether illness strikes or your "check engine" light comes on, it's important to ensure that you have enough money saved to tackle the issue. To learn more about AM savings, money market and CD accounts by Discover, visit AAA.com/Deposits.
Discover Bank, Member FDIC
FINANCIAL SERVICES
AAA EMERGENCY ROAD SERVICE RULES
TM
Continued from page 19
the facility rendering the service, or up to 5 miles in any direction from the point of disablement at no charge. Charges for service that exceeds the benefits listed will be at the prevailing hourly or mileage rate for the region where service is provided.
In instances when your vehicle becomes disabled while towing a light-duty trailer, service will be provided for the trailer.
You will be required to pay for trailer towing. All vehicles must be free of snow and ice prior to towing. AAA Plus provides up to 100 miles of free towing, in any direction from the point of disablement, to the repair facility of your choice. AAA Premier increases one tow to a maximum 200 miles plus a free one-day rental car.
Extrication/Winching
Your vehicle will be pulled out of a ditch by being extricated/winched when it can be safely reached from a normally traveled or established thoroughfare (driveways
must be cleared of snow or ice). If special
provides a second truck and second driver, for up to one hour, if your situation requires it.
Emergency Check Acceptance
Club and contract facilities will accept payment by check, credit or debit card for payment of emergency road service charges up to $250 per occurrence.
Lockout Service
If your keys are locked inside the vehicle, service will be sent to gain entrance. If your keys are lost, broken, or the service provider cannot gain entrance to your vehicle, locksmith service up to $50 or, if a AAA locksmith is not available, reimbursement for locksmith service up to $50 will be provided. In cases where the vehicle cannot be made operable, towing services will be provided according to our towing provision. AAA Plus provides up to a total of $100 in parts and labor to gain
entry or make vehicle operable. AAA
Plan today. Enjoy tomorrow.
equipment, additional service personnel or vehicles are required, the associated costs will be at your expense. AAA Plus
Premier provides up to $150 for Vehicle Locksmith, $100 Home Lockout Service reimbursement.
Total First-Year
New Year
2018
Maximize Savings
1.55% 1.70% 2.31% AS OF 11/1/17 AS OF 11/1/17 AS OF 11/1/17
Open a high-yield CD through AAA and earn more in 2018.
12-MONTH CD APY1 24-MONTH CD APY1 5-YEAR CD APY1
Preferred rates
exclusively for AAA members that exceed the National CD Averages2
Terms
ranging from 3 months to 10 years
FDIC insurance to the maximum allowed by law
Preferred rates on other CD/IRA CD terms, Online Savings and Money Market accounts also available to AAA members.
Call 1.800.347.7056 | Visit AAA.com/Deposits | Invitation Code: CLUBPUB
1Annual Percentage Yield (APY) is accurate as of 11/1/17 and subject to change daily without notice. This offer applies to personal accounts only. A penalty may be charged for early withdrawal. Fees could reduce earnings on the account. No minimum balance to open.
2National CD Average APYs based on rates of top 50 U.S. banks (ranked by total deposits) provided by Informa Research Services, Inc., as of 11/1/17.
© 2017 Discover Bank, Member FDIC
Discover Bank
Annuity Rate* up%to Plan today. Enjoy tomorrow.
4.10
Conside Annuity
you nee
Benefits of AAA Life’s Platinum Bonus Annuity® • Maximized earnings through the power of tax-deferral.**
• A competitive fixed interest rate with an additional first-year bon • Free withdrawal once per contract year, up to 10% of the accu
•x-deferral.**
additional first-year bonus.*
anPLAaTIgNUeMnt todaCyUR!RENT FIR3S9T-Y1EA4R HecktoTwOTAnL Rd., Easton, PA or 484-546-0719 advisor prior to the purchase of any contract.
**Under current federal income tax law. AAA Life and its agents do not provide legal, tax, or financial advice. You may want to consult your professional
BBOeNneUfitSs AmNayNbUeITtaYxable.FRIaRteSsTs-YhoEwAnRaBreAaSnEnual effectivBeOyiNeldUsS.The first-year inFteIRreSstTr-aYtEeAisRguaranteed for first contract year only.It is separate from * First-year rate shown above is effective as of 10/31/2017 and subject to change without notice. It includes a first-year bonus for the first contract year only.
*I*SthUSenUdgeEuraAcruMarnreOtneUtedfNedmTeSirnailminucmomIrNeattTeaExeRflfaeEwcS.tiTvAeARAfoArLTiafEellcanodntirtascINatgyTeEnatRsrsEd.ISonTtneorRetsAptTrorEavtiedsealergeacIl,NretTadxEit,eRodErfSfironTmanRctAhiaTelEafidrsvticdea.yYoufrmecayeiwptaontfftuoncdosn.sAunltnyuoituierspraorfesnsoiotnsahloardtv-tiesormr prior to the purchase of parnoydcuocntsra. Dctu. ring the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated
Benw$eitfi3ht,so0mth0ae0yrtbuyepetastxooabflfien.aRnacteiaslsphrowdnucatrseaandnumalaeyffrecdtuivceeypierlidnsc.ipThael.Wfiristth-dyerarwianltserpersiotrratote5i9s1⁄2gumaranytebedsfuobrjeficrstttocoInRtSrapctenyeaaltrieosn,lsye.pItairsatsepfraormatethfreomantnhueitgy’usaranteed minimum rate
scheduleofsurrendercharge1s.F.o6r0co%mpletedetailsof1th.e5a0nn%uityandsurrend3e.r1ch0arg%eschedule,pleaserefertothecontractP.Ahnnouitnieseoffered
effective for all contract years. Interest rates are credited from the first day of receipt of funds. Annuities are not short-term products. During the surrender charge period, withdrawals
$49,999
by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of Authority #07861) is licensed in all states except NY. Automobile Club of Southern
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. Withdrawals prior to
California CA License #0003259. CSAA Life Insurance Agency of California, Inc. CA License #0D12130. Insurance products in Northern ECamliforanialoffered
59$1⁄25m0a,y00be0subpjectot to IRS penalties, separate from the annuity’s schedule of surrender charges. For complete details of the annuity and surrender charge schedule, please
through AAA Northern Californ1ia .In6su0ra%nce Agency,Licen2se.#00017%5868,in Nevada3by.A6AA0N%evada and in Utah by AAA Utah.Your local AAA club and/or its
refer to the contract. Annuities offered by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of Authority #07861) is licensed in all states except NY. Automobile Club of
$499,999
affiliates act as agents for AAA Life. Platinum Bonus Annuity Contract Form Series: ICC11-4111/DA-4111 (In OR: ICC11-4111).
Southern California CA License #0003259. CSAA Life Insurance Agency of California, Inc. CA License #0D12130. Insurance products in Northern California offered through AAA Northern
CalAifLoA$rnN5i-a203In08s,u70r8a0-nO0ce17A-gXeXncy, License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Your local AAA club and/or its affiliates act as agents for AAA Life. Platinum Bonus
Annuity Contract Form Series: ICC111-41.161/0DA%-4111 (In OR: ICC112-41.151)0. % 4.10% ALAN-23878-O17-XX and above
r AAA Life’s Platinum Bonus
to help provTidoettahelsFeciurrsityt-Year
Annuity Rate* up to
d to enjoy your retirement.
4.10%
Consider AAA Life’s Platinum Bonus Annuity to help provide the security
include:
us.*
you need to enjoy your retirement.
mulated cash value.
Benefits of AAA Life’s Platinum Bonus Annuity® include:
Contact an Agent Today!
PLATINUM BONUS ANNUITY ISSUE AMOUNTS
CURRENT FIRST-YEAR BASE INTEREST RATE
FIRST-YEAR
BONUS
INTEREST RATE
TOTAL
FIRST-YEAR INTEREST RATE
$3,000 up to
nefits o
$49,999
1.60%
f AAA Li
1.50%
fe’s Plat
3.10%
inum B
$50,000 up to Ma$x49i9m,99i9zed
1.60%
earnings t
2.00%
hrough the
3.60%
power of ta
$500,000 Acaondmabopvetiti
ve fixed int
1.60%
erest rate w
2.50%
ith an addit
4.10%
Free wEitahrndnrao wleassl tohannc1e.0p0e%r —cognutararacnteyeed.ar, up to
Be
• ional first-year bonus.*
• Free withdrawal once per contract year,
• 10u%p to1f0t%heofatchecuacmcuumlaultaeteddcashhvavlauelu. e. T* Foirst-yleeararatre snhowmn abovreeis e,ffecotivenastoaf 1c0/3t1/2017AandAsuAbjecNt toochrantghe waithmout npotitceo.ItnincluCdeos aufirsnt-yteayr bonus for the first contract year only.
Name
• Maximized eAadrndirnegss through the power of
Phone® tax-deferral.**
onus Annuity include:
Email
• A competitive fixed interest rate with an
Contact an Agent Today!
Name
Address
Earn no less than 1.00% — guaranteed.
20
3914 Hecktown Rd., Easton, PA • (610) 258-2371 • northampton.aaa.com
* First-year rate shown above is effective as of 10/31/2017 and subject to change without notice. It in
WINTER 2018
ludes a first-year bonus for the first contract year only.
c
**Under current federal income tax law. AAA Life and its agents do not provide legal, tax, or financial advice. You may want to consult your professional
advisor prior to the purchase of any contract.
Benefits may be taxable. Rates shown are annual effective yields. The first-year interest rate is guaranteed for first contract year only. It is separate from
Now!
the guaranteed minimum rate effective for all contract years. Interest rates are credited from the first day of receipt of funds. Annuities are not short-term