(NEA Member Benefits provides a discount program for this insurance!)
One of our best health allies is often just a tail wag or purr away. They bring us back from the brink of tears, join in when we feel like cheering and possess uncanny abilities to tame our daily stress.
It goes without saying that we embrace dogs, cats and other companion animals as full-fledged family members. Many of us scrutinize pet food labels to pick healthy choices, scour the pet supply store for just the right bed and delight in treating them to oodles of toys. Yet, according to the latest American Pet Products Association’s Pet Owners Survey, only 4% of dog owners and 1% of cat owners carry pet insurance policies.
“It’s puzzling why we are a nation so in love with our pets, yet so slow to embrace the concept of pet insurance,” says Kristen Lynch, executive director of the North American Pet Health Insurance Association (NAPHIA), the consortium representing the voice for this pet industry.
But when a pet medical emergency strikes, just how financially prepared are you? Carrie Powers, a school guidance counselor from Burke, VA, had to coax her husband, Bill, into agreeing to purchase a Pets Best Insurance plan when they adopted a Shih Tzu puppy they named Cooper nearly 6 years ago. In February, their always-energetic dog sat frozen in the driveway, unable to move. Veterinarians at the emergency clinic diagnosed a ruptured disc in Cooper’s vertebrae. He required life-saving surgery that night and extensive post-surgical care that lasted several weeks.
The bill totaled $6,913. Within 3 days, Pets Best reimbursed the Coopers $5,476.
“No one is ready for a $7,000 pet emergency bill,” says Bill Cooper. “We got Cooper after a failed adoption. To say he is spoiled is an understatement. But Pets Best came through and I’m happy to say Cooper is back to his old playful self.”
Jack Stephens, DVM, who founded the pet insurance industry in the United States nearly 30 years ago and now heads Pets Best, offers these reasons why buying pet insurance is a smart move:
- Allows you to pick your veterinarian. Unlike human health insurance policies that may require you to use a specific health care provider, pet insurance policies allow you to obtain care from the veterinarian of your choosing. You simply provide the veterinary bill to the insurance company for reimbursement of qualified expenses.
- Does not discriminate against any breed or age of pet. While it is advisable to obtain pet insurance as soon as you adopt your pet to obtain lower premiums, you can also insure your pet years later.
- Delivers peace of mind. Having pet insurance allows you to choose treatments for your ailing or injured pet based on the best medical option available and not restricted based on family finances. Most pet insurance policies reimburse up to 80% of costs after deductibles.
- Provides an easy way to budget pet care costs. Pet insurance policies can be paid monthly, quarterly, semi-annually or annually. You decide which payment plan works best for you. Most plans offer discounts for additional pets in the household.
- Prevents dipping into the family’s emergency fund. True, you can set up a pet savings account, but it can be tough to discipline one’s self from dipping into this designated account when you face pricey car repairs, household renovations or other major unexpected expenses.
And, most important, pet insurance coverage could save—and extend—the life of your pet by enabling you to authorize the medical treatment your pet needs should he develop cancer or require surgery, as was the case with Cooper.
“I admit I was skeptical about getting pet insurance at first,” says Bill Cooper. “Our premiums are $34 a month and we never really had to use it until this year when Cooper ruptured his disc. He means the world to us. I tell my pet-loving friends that you wouldn’t think of not insuring yourself or your child. Cooper is the first pet for both of us and he has become our kid.”
Protect yourself from would-be identity thieves.
By Lisa Gerstner
Chances are, you may have been swindled at some point in your life, or you know someone who has. Nearly half of consumers surveyed recently by Stanford University’s Center on Longevity and the Finra Investor Education Foundation reported being a victim of financial fraud in the previous year—a far higher tally than earlier surveys indicated. No socioeconomic or demographic group is immune. “Men and women, college students and retirees, rich and poor—all are potential targets,” the report’s authors found. Nearly 40% of victims never told anyone about the fraud.
Estimates are problematic, but Americans are thought to lose some $50 billion a year to financial scams. And there are indirect costs: bounced checks, late fees, trouble meeting monthly expenses and even bankruptcy. So, it’s not surprising that the emotional cost of fraud is also high, with 50% of victims reporting severe stress and more than one-third citing depression. The toll is compounded for senior victims, who have little time to make up for lost resources. “When elderly people lose their life savings, they lose hope,” says Ricky Locklar, an investment fraud investigator at the Alabama Securities Commission. “To me, those crimes are worse than someone robbing the corner drugstore at gunpoint.”
Here’s how to keep your data secure:
- Play it safe at the ATM. Cover the keyboard with your hand when you enter your PIN—a camera may be recording your keystrokes, which thieves can later match with your payment-card data.
- Check bank and credit card accounts. At least once a week, look for suspicious charges. Sign up to receive alerts when your bank account balance falls below a threshold you specify, say, or when a charge higher than a certain amount goes through on your card.
- Head off ID thieves. Go to www.annualcreditreport.com to get free yearly reports from each of the three major credit bureaus. Check for accounts you don’t recognize and other red flags. Or enroll in a service that monitors your credit reports. If you’re worried about a breach, consider placing a freeze on your reports with each bureau. New creditors will be unable to view them, minimizing the chances that thieves will be able to open new credit accounts in your name.
- Watch for tax and medical ID theft. Fight tax ID theft by filing your tax return as early as possible. Doing so may block any thieves who want to use your Social Security number to file a return in your name and collect a refund. Signs of medical ID theft include treatments or services you never used appearing on bills or explanations of benefits.
- Don’t fall for phishing expeditions. Be on guard for phone calls or e-mails from fraudsters posing as representatives from your bank, the IRS or other entities. If you’re unsure of an e-mail or text message, don’t click on links within it, which could install malware on your device or lead to a scam website.
© 2018 The Kiplinger Washington Editors
Brought to you by NEA Member Benefits.
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Here are some related links on the NEA Member Benefits website that help with this topic:
- NEA Identity Theft Protection Program powered by LifeLock: https://www.neamb.com/shopping-discounts/nea-identity-theft-protection-program.htm
- How to Protect Yourself from the Latest ID Theft Scams: https://www.neamb.com/shopping-discounts/you-need-to-know-about-the-latest-id-theft-scams.htm
- Mobile Safety Tips: https://www.neamb.com/shopping-discounts/mobile-safety-tips.htm
Experience the magic of Walt Disney World® Resort with this limited time offer from TicketsatWork.com. Buy a 5 Day Park Hopper® or Park Hopper Plus® ticket, and get 2 days FREE! Stay for an entire week!
By selecting the Park Hopper® or Park Hopper Plus® ticket option, enjoy more than one Theme Park per day. With so much to see and do at the Walt Disney World® Resort, you’ll love the ability to come and go from Theme Park to Theme Park on the same day. In addition, your ticket includes MyMagic+ and Disney FASTPASS® service, which allows guests to reserve access to select Disney FASTPASS® attractions and entertainment experiences before you even leave home.
Want to take advantage of this offer for this summer? Go for it.
Through TicketsatWork.com you receive discounts and special access to theme parks and attractions. Besides Disney Word: Universal Studios, Las Vegas and New York City shows and performances, Disneyland, SeaWorld, Six Flags and Cirque de Soleil. Also save on sporting events and other special events.
TicketsatWork.com is a benefit offered by IEA Member Benefits. To take advantage: Go to www.TicketsatWork.com. Click on the “Become a Member” box at the top of the homepage. You will then be prompted to create a username and password, and enter the IEA code. (call IEA Member benefits to get the code – 208-344-8336; 1-800-223-6583.) Once enrolled you will have access to discounts on theme parks and attractions nationwide!
California Casualty, an NEA Member Benefits National Auto and Home Insurance Program, has been a business partner with IEA Member Benefits since 1988. Currently there are over 2,000 IEA member policies in force with the company.
Not only is California Casualty a great company with very competitive premium rates, but they offer other added benefits as well. Examples:
· When you switch from your current company the chances are very good that you will see a premium savings (California Casualty insures only the best population risks: educators, first responders, etc.)
· Premium rates are locked in for a full year, even if you have a claim.
· Pay zero deductible for vandalism or hit and run damage to your car while parked within 500 feet of your school.
· Skip-a-payment option – allows a two-month premium payment deferment – perfect for summer months.
· Free identity theft protection – monitoring and resolution services.
· Get a refund of unused premiums from your current insurance company.
· You are covered in any car – your own, a rental, or a borrowed vehicle.
· Towing and roadside assistance are available for a small additional fee.
· California Casualty enjoys a 99% customer satisfaction on claims with 24/7 claims service and 100% USA based agents.
IEA Members give high marks for their relationship with California Casualty. For a quote call 1-866-531-2605.
The free NEA Works4Me e-newsletter has been a staple of teachers’ professional lives for years, providing ideas and tips for student success across all subjects and grade levels. Every other week, you’ll receive a sampling of the best tips, along with best ideas on classroom management, teaching techniques, curriculum content, peer & student relationships and more. These tips are all archived and are searchable on the NEA Works4Me section of nea.org. The web site contains more than 2,000 tips searchable by topic.
Where do our tips originate? From you and other NEA members, practitioners in the field who choose to share best practices with other educators.
For more information on NEA Works4Me, go to www.nea.org/tools/Works4Me.html.
Open an NEA® Money Market Account through Discover Bank, Member FDIC, and you’ll earn higher-than-average returns. This member benefit also offers you:
Exclusive $20 bonus for each new account type you open each year (excludes IRAs)*
Rates that consistently exceed the National Average
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Mobile check deposit and bill pay
Open an account starting with $2,500
The safety of FDIC-insurance, up to the maximum allowed by law
Learn more at www.neamb.com > Finance > Savings > NEA Money Market Account.
We all make these promises to ourselves at the beginning of a new year. And…invariably we, maybe as soon as two weeks later, have broken that “new year’s resolution” and gone back to our norm. BUT – THIS NEW YEAR’S RESOLUTION, if you keep it and “keep on” keeping it will save you money BECAUSE YOU ARE A MEMBER OF THE IEA/NEA.
IEA members have provided great examples of the savings they have experienced using the IEA’s Educator Access Discount Program: $200 savings on a trip to Orlando; a $230 room in Hawaii for $95; $100 savings at the Anniversary Inn in Boise; two for one pizzas; $645 savings on a rafting trip!
You can enjoy similar savings: go to the IEA Member Benefits website, www.ieamemberbenefits.org scroll down and click on the picture of the IEA membership card to take you to the Access website. Register with the last 7 digits of your membership card number (hint – you will find the same number on the mailing label on any mailing you receive from NEA), your personal e-mail address, and create a password. You only need to register once. Each time thereafter you sign in with your e-mail and password. Begin to search and take advantage of the some 350,000 discounts available worldwide. (There is also a free mobile app available for your assistance. Download the “my Deals” app from the iTunes App store or Google play, register using your home email address and your mobile password [the last 7 digits of your membership number].) The app is GPS friendly and will alert you to local discounts wherever you are! There is also a link to download the mobile app on the Access site under MORE < GET MOBILE.
Want some examples of some great savings discounts because you are an IEA/NEA member. HANG ON!! HERE GOES!!
• Save $5 on $25 bill at Chili’s (with the app)
• AAMCO Transmissions – 10% off any service, up to $50 discount
• Jiffy Lube – 15% off entire service order
• Dell – save up to 30%
• 20% off at Days Inn
• 10% off at Holiday Inn Express
• Depending on your desire, as much as 20% off at individual hotels or chains
• 30% off Regal movie tickets
• 20% off on single day tickets at Busch Gardens
• $30 off Disneyland Resort tickets
• $30 off at Six Flags
• 10% off purchase at Sports Authority
• $25 Advantage Reward Card with purchase of a device with T-Mobile
• $50 off on select phones at AT&T
• 20% off at Dressbarn (also on the app)
• $5 off a purchase of $25 or more at ACE Hardware
• Up to 25% off on AMC Theater green tickets
• Brooks Brothers – 15% off
• Claire’s – 20% off
• Comfort Inn – 10% discount
• Lenovo computer products – 30% discount
• Direct TV – $100 off at sign up
• New York Yankees tickets – up to 50% off
• Target – $5 off $50
• Lots and lots of local merchants at your fingertips with the Access app.
• MORE SAVINGS, MORE SAVINGS, MORE SAVINGS, MORE SAVINGS, MORE SAVINGS, WE COULD GO ON FOREVER!!
REPEAT AFTER ME: I do solemnly swear, that I will use my educator access discount program forever, and save oodles of money, and ENJOY EVERY MINUTE OF IT!!!
By the way, there are similar savings on all on-line purchases with the NEA Member Benefits discount program called NEA Click & Save
Save with this benefit on such purchases as: Priceline.com, Best Buy, Macy’s, Lowe’s, AT&T, Brooks Brothers, Crate and Barrel, Restaurant.com, HP, etc., etc., etc.
Want to travel but money’s tight? Let NEA Vacations find you the dreamy discounted vacation that will work for your budget.
As we head into colder weather, you might already be dreaming about a spring break getaway or maybe even planning a full-blown summer vacation. Before you make any plans, check out this new money-saving benefit for NEA members: NEA Vacations. It’s a one-stop-shop that will help you secure the best vacation deals available—whether you’re looking for a flight, a hotel or resort stay, a cruise or even a guided vacation
Exclusively available to NEA members, educators can nab discounted rates for cruises, hotel stays, resorts and various other attractions around the world simply by logging in to the NEA Member Benefits website at www.neamb.com and using the portal to go shopping.
What’s NEA Vacations all about?
NEA Vacations is an online shopping portal offering the guaranteed best value on a whole slew of vacations and related excursions—everything from resorts to hotel bookings to guided vacations to cruises.
If you’re a cruise fan, you’ll be pleased to know that the website sells discounted voyages from the top cruise lines out there, including popular river cruise lines AmaWaterways and Viking and mainstream oceangoing cruise companies such as Carnival, Celebrity, Disney, Holland America, Norwegian, Princess and Royal Caribbean. Cruises aboard a number of luxury lines, like Regent, Seabourn and Silversea, are also offered. With more than 21,000 cruise departures, there is sure to be one that fits all of your needs.
A variety of guided vacations are also available from well-known travel companies like Globus, Insight Vacations, Cosmos, Monograms, Brendan Vacations, and Tauck.
If you prefer independent land vacations, the travel portal still has you covered. Just search for your destination and date of travel to browse a variety of hotels and resorts, or you can purchase a package that includes your airfare and hotel. Checking deals in Las Vegas last July, we found rates at the well-rated Westgate Las Vegas Resort & Casino for just $72 per night.
What are NEA Travel Dollars?
To sweeten the deal, you can earn NEA Travel Dollars to use as partial payment on purchases at the NEA Vacations portal. You can then apply those dollars to reduce the cost of future travel. You accumulate NEA Travel Dollars simply by acting on emails from NEA Member Benefits that encourage you to keep your records current or ask you to participate in other ways. For example, if you have a new email address, updating it on the NEA system will earn you $100 worth of Travel Dollars, while sharing your birthday will earn an additional $250. You can also earn Travel Dollars by opting in to receive the NEA Travel newsletter or by purchasing non-travel products and services. See more details at NEAMB.com.
Members can accrue up to $1,500 in Travel Dollars annually and portions of it can be used as partial payment for travel services. (Airfare and car rentals are excluded.) Travel Dollars expire a year from when they are received. As part of NEA Vacations, you can also earn a variety of incentives such as Onboard Credit to use on a cruise, an upgrade to a bigger hotel room or free WiFi.
What can you expect from NEA Vacations?
If you’re like most educators, you are very busy. You may not have time to search all over the web for the best deal on flights and hotels. That’s why NEA Vacations is so valuable. You can make all your vacation plans, at discounted rates, all on one website. You’ll make your plans faster and save money doing so. And, for most purchases, you’ll earn NEA Travel Dollars, which can be spent at NEA Vacations the next time you shop.
It’s important to note that travel packages are not limited to NEA members alone. You can bring your family along on your adventures and still make use of this new benefit. However, you must book their travel. So start saving those NEA Travel Dollars now to use when booking your family trip. Plan an Orlando outing so you can say hello to Mickey and Minnie or stroll the streets of Hogsmeade at The Wizarding World of Harry Potter™ at Universal Orlando®!
You can also purchase associated travel insurance through NEA Vacations. Costs vary depending on the provider and ages of travelers. You will see the insurance policy specific to your booking and can decide if you would like to add it to your trip.
So hop on board–your next great adventure awaits. Visit NEA Vacations to find out more!
From fake gift cards to stealthy skimmers, thievery thrives this time of year. Learn to stay safe and keep your privacy intact.
By the Editors of Kiplinger’s Personal Finance Magazine
It’s the most wonderful time of the year—for scam artists and other would-be thieves. Every time you swipe your credit card at the register or enter your personal information on a Web site, you risk having your sensitive data fall into the wrong hands. And as you count down the remaining shopping days in the season, you may let down your guard in a mad dash to check everything off your list. “The holiday season is a busy time for consumers, when we do the majority of our shopping for the year, and hackers are priming themselves for the wave of data coming in,” says Yaron Samid, founder of personal finance app BillGuard (which was acquired by lending site Prosper in October 2015). “This is the Super Bowl of scam season.
To keep your holidays happy and your identity safe, be wary of these six common scams.
1. The Scam: Phishing
You get an email luring you to a fake deal site promising unbelievable savings on your Christmas gifts—often popular electronics and gadgets. But it’s really just a ruse to get your credit card information and other personal data.
The Fix: You can easily avoid this threat by not clicking on links in emails from unknown sources. Even if the email seems to be from a legitimate retailer, you should type its Web address directly into your browser rather than clicking on an email link, to be on the safe side.
Also, shop only at sites you are familiar with or that are recommended by a reliable source. You can check with install the Better Business Bureau. (Although to verify that the merchant is legitimate. And make sure that wherever you shop online is secure: The url on any checkout page should begin with https:// and have a lock symbol next to it in the browser.
2. The Scam: Empty Gift Cards
The gift card you buy from a discount site might actually have no value. Criminals can spend the funds and replace the scratch-off material that covers the card’s PIN, so the card seems unused when sold for a percentage of its face value.
3. The Scam: Skimming
You innocently withdraw money from your checking account at the local drive-through ATM. Unfortunately, bad guys have attached a stealthy device to the machine’s scanner that lifts your account information when you swipe.
The Fix: Samid recommends using only indoor ATMs because they offer additional security that is likely to deter scammers. Gas stations are also prime targets for this particular threat, so he suggests paying inside instead of at the pump. It may be less convenient, but it’s not as troublesome as dealing with the repercussions of identity theft.
4. The Scam: A Fake Charity
You get an email, a phone call or even an in-person request asking you to contribute to some seemingly worthy cause. But the solicitor turns out to be a fraudster who plans to take your credit card information and profit from the kindness of strangers like you. “Scammers are leveraging the fact that people are feeling particularly generous around the holidays and are more susceptible to charity requests and helping other people out,” says Samid.
The Fix: Check on the legitimacy of any charity before you give. Sites such as Charity Navigator, Charity Watch and the Better Business Bureau’s Wise Giving Alliance can help you verify the quality of a charity and decide whether it’s worthy of your largesse.
5. The Scam: Nonstandard Payments
You go to make a purchase on Ebay or Craigslist, but the seller asks you to pay by money order or some other random way. “Any nonstandard forms of payment like these are almost always a scam,” says Joe Siegrist, cofounder of password management site LastPass.
The Fix: Stick to the more usual ways to pay. Credit cards are a particularly safe method of payment because they come with fraud protection. You can easily dispute any unfamiliar charges.
6. The Scam: Fake Tech Support
You get an unsolicited call from someone saying he’s providing assistance from the maker of your computer. Then he walks you through how to yield control over your machine. Once he has taken over, he’s free to swipe any sensitive data you have stored there.
The Fix: Just say no. “Microsoft and Apple will never call you and ask you to take these types of steps, and they’ll never email you with these requests either,” says Siegrist. “Be wary of anyone who contacts you with these requests.”
Other ways you can protect yourself: Take advantage of your free annual credit report to make sure no fraudulent activity has been going on in your name. And keep a close eye on all your account statements. If any charge, big or small, seems odd or unfamiliar, be vigilant and check whether you need to dispute it. “There is no substitute for your checking your own card statements during the holiday season,” says Samid. “You are the frontline of defense.”
Check out the most popular discount program for NEA members and their families. This exclusive shopping service offers savings on brand name merchandise from hundreds of top retailers, online stores, and local merchants. Save on clothing, electronics, restaurants, jewelry, movie tickets and more! Plus WOW points can be earned with every Click and Save (C&S) purchase that will allow you to save even more on future purchases (or even get something FREE!) For details about how to use this great benefit follow these examples.
- HomeClick.com: Save on selected kitchen and bath products, including small electrics, tableware, and cookware, plus outdoor items such as grills, fountains, fireplaces and mailboxes. Earn 1X the WOWPoints on all orders.
- BedBath&Beyond: Spruce up your home for the holidays with daily deals and 2X the WOWPoints. Get free shipping on orders of $29 or more.
- OmahaSteaks.com: Not just steaks! Find great prices on seafood, deli-style meats, desserts, and appetizers. Earn 5X the WOWPoints on your order.
- ThePopcornFactory.com: Celebrate any occasion with a festive gift of gourmet popcorn or other special treats.
- MovieTickets.com: Save on tickets to the latest blockbuster movies and Broadway shows such as The Lion King, Wicked, The Book of Mormon, and Hello Dolly!
- eBags.com: eBags is the world’s largest online retailer of bags and accessories for all lifestyles. Get free shipping on orders of $49 or more.
- C&S Apparel Store: Check out fall new arrivals and holiday picks from such retailers as Macy’s, Columbia, Nordstrom Rack, and UnderArmour. Earn up to 6X the WOWPoints on your purchase!
Be sure to check C&S often for unadvertised, limited time offers, including discount dining certificates from Restaurant.com. Join the 429,100 NEA members already registered for NEA Click & Save. Go to www.neamb.com/clickandsave or http://www.neamb.com/shopping-discounts/nea-click-and-save-retail-discounts.htm and start saving today!
Spending a little time now can save you money at home and on the road over the cold winter months.
Winter is right around the corner. Now’s the time to start winterizing your home to help curb high utility bills and your car to help prevent unexpected car repairs. Here are 5 quick tips to get you started
1. Have a pro inspect your HVAC system. Heating your home is a large chunk of your energy bill, so it’s important to have your home heating system checked regularly to make sure it’s running at peak efficiency. If it’s struggling due to old, dirty filters or failing components, your energy costs can go up.
EnergyStar.gov recommends having your system tuned up once per year. Contact a qualified HVAC contractor to inspect your system. For more home tips, read “15 Simple Ways to Winterize Your Home.”
2. Install a programmable thermostat. One of the easiest ways to manage your energy use is to install a programmable thermostat. (Although there are special considerations if you have a heat pump.) These thermostats can automatically adjust the temperature in your home at certain times of the day.
Dialing back your thermostat about 7-10 degrees for 8 hours a day can cut your home heating costs by about 10%, depending on the severity of your climate. Also, you can lower your home’s temperature even further while the house is empty during the day, and then turn it up about the time you come home. You’ll find plenty of programmable thermostats at different prices and with different features.
3. Use curtains strategically. It sounds almost too simple, but use the sun to your advantage! Open the curtains of south-facing windows to let the sun heat your home. Close them at night to keep out the cold. For a boost, try lined, insulated curtains; they can help prevent heat loss, block drafts and keep out some of the cold.
4. Switch to LED lights, inside and out. Love to light up your house for the holidays? Do you put up decorations for Halloween and keep your house brightly lit with cheery colors through St. Patrick’s Day? Save on electricity costs by switching to LED lights. Most decorations now have LED counterparts.
While LEDs can be a more expensive initial investment, they can last much longer than traditional bulbs, so your long-term replacement cost can be less—and less frustrating thanks to fewer burned out bulbs! LEDs also produce less heat and use less electricity, so over the long haul you’ll see savings.
5. Be proactive about winter car maintenance. Change your battery if it’s old, check and replace worn belts and top off important fluids. Taking care of the small things now can help you avoid a costly break-down and expensive towing charges later.
And as the temperature drops, so can your tires’ air pressure. Inflating them to the correct pressure can save you money on gas. For more information about winterizing your car read “Get Ready for Winter With Our Car-care Checklist.”
Bonus tip: Use your NEA member benefits! Save on a programmable thermostat, insulated curtains or even LED holiday lights when you shop at stores such as The Home Depot, Kohl’s, Best Buy and more through NEA Click & Save.
Looking to save money on everything from electronics to home furniture to movie tickets and everything in between? As an NEA member, you have exclusive access to our NEW, member-only shopping newsletter, the NEA Member Shopper’s Guide.
As a subscriber to the NEA Member Shopper’s Guide, you will receive tips and advice on how to save on products you love and services you need, delivered right to your inbox!
Ready to start saving? Click Here to subscribe now or visit: