Page 6 - AAA Northampton County - AAA Now! Winter 2014

Happy NewYear! It’s hard to believe
another year has passed. I often find
January is a goodmonth to review
household budgets and prepare
for upcoming tax filings along with
reviewing household insurance coverage.
As you review your household
finances, it is important to look toward
retirement; however, it is also important to look at how your
household would manage if you or a spouse passed away.
Do you have enough life insurance that would provide your
loved ones with the lifestyle they currently have?
During the past several years I have witnessed friends and
coworkers deal with the passing of spouses and children,
and the concern that household finances become in
situations where there was inadequate life insurance. When
my wife and I had our son 10 years ago, a coworker advised
me to obtain life insurance for my son, for several reasons:
It would provide for funeral expenses if something would
happen, along with providing guaranteed life insurance
coverage for him for life.
I’m glad we purchased a life insurance policy for him
because when he was 3 years of age he was diagnosed with
a life-threatening disease, which he will have for the rest of
his life. This makes him ineligible to obtain life insurance now.
I’m really glad we obtained a life insurance policy for him at
birth. Often, people purchase gifts and even savings bonds
to celebrate births, but people should also be thinking about
life insurance. Waiting until you or a loved one becomes ill is
too late to obtain life insurance, so plan ahead.
If you are looking for ways to save money in 2014,
I recommend looking at how you canmaximize your AAA
membership, including using the coupons in AAANow! There
are several coupons in this issue, including a state inspection
and emission coupon for Firestone, and discounts on food
purchases at Shop Rite and Main St. Market. Also, be sure to
stop by the AAA Northampton County office to purchase
discounted gift cards for area restaurants and stores. They are
great gift ideas, as well a being valuable for personal use.
When was the last time you obtained an auto insurance
quote? If it has been a while, now is a good time to call AAA
for a free auto insurance quote. It could save you hundreds.
You can even save on Turbo Tax software. By showing your
AAA membership card, you can save at over 100 stores and
restaurants in Northampton County.
As we move into 2014, AAA Northampton County is here to
assist you in savingmoney today and planning for tomorrow.
I hope you and your family have a great 2014!
Plan Now For the Future
By Steve Lindemann, President
Affiliated with Pennsylvania AAA Federation and AAA
HEADQUARTERS OFFICE
3914 Hecktown Road, Easton, PA 18045
OFFICE HOURS
Monday, Wednesday, Friday 9 a.m. to 5 p.m.
Tuesday 9 a.m. to 8 p.m.
Thursday 9 a.m. to 8 p.m.
Saturday 9 a.m. to 1 p.m.
Membership Rates
New Primary Member $59; Renewal $49
New and Renewal Associate Member* $32
*Includes all services except subscription
to AAA Now! All dependent members of the immediate
family residing at the same address as the primary
member may be enrolled as associate members.
OFFICERS
Thomas P. Stitt Chairman
Steven K. Lindemann President
Joseph E. Milutis Vice Chairman
Dale F. Falcinelli Second Vice Chairman
Vicki L. Bechtel Vice President of Operations
Charles J. Montague Secretary
Allison D. Nicholls Treasurer
Directors
Mary G. Cappadona Easton, PA
Dale F. Falcinelli Easton, PA
James S. Garofalo Mount Bethel, PA
Thomas C. Long Bethlehem, PA
Joseph E. Milutis Easton, PA
Charles J. Montague Easton, PA
Allison D. Nicholls Bethlehem, PA
Thomas P. Stitt Bethlehem, PA
AAA does not endorse any product or service advertised in this
publication other than AAA club services and products.
The publisher of AAANow! does not endorse or make any
representations or warranties concerning any service or product
advertised in this publication.The publisher is not liable to any
advertiser or reader for any errors or omissions in advertising or
editorial copy appearing in this publication, provided, however, that
the publisher will print a correction in the next issue of AAANow!
published after the publisher has been notified of an error or omission.
AAANow!
Volume 33, No. 1
Editor-in-Chief Judie Karhan
Senior Editorial Director Dorothy Crouch
Creative Director Lars Fruth
Director of Production Angela Ilich
Regional Editor Steve Lindemann
Contributing Writer Kimberly Thomson
AAA Now! (ISSN 2169-3625; USPS 002-348)
is published quarterly by AAA Northampton County,
3914 Hecktown Road, Easton, PA 18045. Periodicals
postage paid at Easton, PA and at additional mailing
offices. A subscription price of $1 per year to
primary members is paid through dues.
POSTMASTER: Please send address changes to:
AAA Now! AAA Northampton County,
3914 Hecktown Road, Easton, PA 18045.
StatementofOwnership,ManagementandCirculationof AAANOW!.
PublicationNo.0002-348.FilingDate09/17/13. IssueFrequency:Quarterly.Numberof Issues
PublishedAnnually:4.AnnualSubscriptionPrice:$1.00per copy.Owner:AAANorthampton
County,3914HecktownRd.Easton,PA.18045-2352.MailingAddress:Sameasheadquarters.
Editor:StevenLindemann,AAANorthamptonCounty,3914HecktownRd.Easton,PA.18045-2352,
ManagingEditor: JudieKarhan,25061AvenueStanfordUnit10,Valencia,CA.91355.Known
Bondholders,mortgages,andOtherSecurityHoldersOwningofHolding1%orMoreofTotal
AmountofBonds,Mortgages,orOtherSecurities:None.PublicationName: AAANOW!.
IssueDates forCirculationDataBelow:Fall2013.
Totalnumberof copiesprinted (average forpreceding12months):40,796;paidoutside-county
mail subscriptions:21,421;paid in-county subscriptions:18,819; sales throughdealers:0;other
classesmailed throughUSPS:0; totalpaidand/or requested circulation:40,240; freedistribution:
442; totaldistribution:40,682; copiesnotdistributed:114; total:40,796;percentpaidand/or
requested circulation:98.9%.Actualnumberof copiesprinted (single issuenearest tofilingdate):
40,651,paidoutside-countymail subscriptions:2,373;paid in-county subscriptions:37,661; sales
throughdealers:0;other classesmailed throughUSPS:0; totalpaidand/or requested circulation:
40,034; freedistribution:442; totaldistribution:40,476; copiesnotdistributed:175; total:40,651;
percentpaidand/or requested circulation:98.9%.
I certify that the statementsmadebymeaboveare correctand complete.SteveLindemann.
TM
S teve
SPECIAL CRUISE & TOUR SALE OFFERS
CELEBRITY CRUISES: Priority check-in, $75 shipboard credit in
veranda cabins and $100 shipboard credit in concierge cabins*
CIE: Save up to $300 per couple on a 2014 tour*
MEMBER CHOICE VACATIONS: $100 off all U.S./Canada Tours*
PRINCESS CRUISES: Coupon book with up to $325 savings, reduced deposit*
Royal Caribbean: VIP check-in, up to $100 shipboard credit, champagne,
plus more*
Trafalgar: Complimentary excursion on select tours, $40 per person for
excursions, up to $50 per person discount during show with land
package of $1,000 per person or more*
Travel Impressions: Up to $100 off any 6-night or longer trip with Travel
Impressions trip insurance*
UNIVERSAL: $50 Universal gift card with 4 nights or more at an on-site hotel*
UNIWORLD: $100 per person shipboard credit, up to $250 discount
plus an additional $200 discount*
More bonus offers and discounts available.
*Restrictions apply
Save $100* when you use your
AAA Member Rewards Visa® card for
payments and receive Triple Points.
Stop in and get your Visa® Member
Rewards card.**
LIFE INSURANCE
CONSUMER TALK
January 16, 2014
3:00 p.m. and 6:00 p.m.
AAA Northampton County Office
3914 Hecktown Road, Easton, PA
(610) 258-2371
RSVP by January 14
LIFE INSURANCE & ANNUITIES 101
Life Insurance – Do You Know?
• How much is enough?
• Can provide protection with ZERO net cost
• Tax-free savings at a guaranteed rate
• Can immediately increase the inheritance
you leave to your heirs
Learn the Savings Advantages
of Annuities
• Tax advantages – tax deferred growth
• No service fees or administration costs to
reduce your savings growth
• Flexibility to add premiums throughout
the contract years
• Rollover and combine IRA accounts
with ease
*Cruise & Tour priced @ $2,500 or more per booking (excluding airfare), new booking only, valid until February 8, 2014. One
discount per credit card account. Certain restrictions apply. ** For information about rates, fees, other costs and benefits, visit your
AAA branch. This credit card program is issued and administered by FIA Card Services. N.A Visa and Visa Signature are registered
trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc.
President's
Message TRAVELNow! TM
Winter 2014 6 3914 Hecktown Rd., Easton, PA • (610) 258-2371 •www.aaanc.com