Members Advantage E-Newsletter
Stay up to date with the latest special offers from our IEA Member Benefits.
Save an EXTRA 20% off orders over $999 and 10% off orders over $699!
See Store for details. Offer valid 11/1/19 – 12/5/19.
Plus, NEA Members receive Free Delivery on orders over $399** every day.
Already registered? Visit the GE Appliances Store at www.Shop4GE.com for offer details.
Need to register? Visit the Home and Auto Discounts category at www.neamb.com and click the Start Shopping button to register for access to the GE Appliances Store. Once registered, you can login to shop anytime at www.shop4ge.com.
*Delivery not available in Alaska, Hawaii and other select ZIP codes within the continental U.S. To verify delivery to your home, enter your deliver-to zip code on the login page of the GE Appliances Store.
SAVE ON a NEW VEHICLE: Check Out 2019 End-of-Model Year Closeout Deals Through the NEA AUTO BUYING PROGRAM
If you’re in the market for a new or used car, the NEA Auto Buying Program through TrueCar is the first place you should look! NEA members and their families enjoy preferred pricing year-round, save an average of $3,402 off MSRP on new cars, plus get these other benefits:
- Used Car Discounts—Save hundreds off the list price.*
- See What Others Paid—See what others have paid for the same car so you know when you’re getting a good or a great price.
- Upfront Pricing—See pricing, price rankings, and lock in Guaranteed Savings on the car you want before you even leave home.
- Enjoy a Hassle-Free Experience—Bring in your Price Certificate to a Certified Dealer or show it on your mobile phone.
NEA members also receive TrueCar Buyer’s Bonus Benefits at no additional cost, including Auto Repair Reimbursement and Auto Deductible Reimbursement – benefits that could be worth up to $2,000 (available in most states).
Visit the NEA Auto Buying Program today to see how much you can save! Go to www.neamb.com/buyacar
*Discounts not available on all cars or in all states.
It seems as if there is some confusion about how auto insurance rates are set. Premiums have been going up, sometimes when a driver hasn’t had an accident or claim.
The reality is that Insurance companies are finding more of us are on the roads thanks to cheaper gas and an improving economy. As we drive more miles, the result has been an increase in crashes and the amount of money insurance companies are paying out. The cost to fix or replace vehicles damaged by fires, hail and flood has also increased the past few years. These costs are forcing insurance companies to charge more for coverage.
You may be wondering what other factors affect your auto insurance costs. To help you understand how insurance companies determine what they charge, we thought we’d dispel some misconceptions. Buckle up and enjoy the ride as we separate fact from fiction.
Myth 1: The color of your vehicle determines what you will pay for auto insurance.
Fact: We’ve heard it too, but it is just not true. Think about it, have you ever been asked what color car you drive when you’ve bought insurance? Most insurers want to know if the car you drive is a Ford or Ferrari, what kind of driving record you have, where you live and the miles you drive each year.
Myth 2: Older drivers pay more for auto insurance.
Fact: Many drivers over 55 years of age can qualify for a reduction in auto insurance rates if they successfully complete a safe driving course or meet other requirements. Many insurance companies consider a healthy, retired driver who only uses the car sporadically and has a clean driving record a better risk than someone in their teens or early 20’s.
Myth 3: Your state’s minimum liability auto insurance requirements are enough to protect your assets.
Fact: You may have insurance, but if you only have your state’s minimum liability requirements, you probably aren’t adequately protected. Medical costs are soaring and injury lawsuits following crashes are rampant. With minimum liability, if you are found “at fault” for an accident in which others were hurt, you could be paying out of pocket for lost wages, pain and suffering and medical expenses that could easily add up to much more than your liability limits. Losing a lawsuit could also mean having to sell your home and having your future income garnished to pay those bills.
Myth 4: Your auto insurance policy covers damage to your car from a crash or if it’s stolen.
Fact: Not unless you purchased comprehensive and collision coverage. Both are optional with most auto insurance policies and pay when your vehicle is crunched in a crash that you caused, or is damaged by flood, fire, windstorm, vandalism, animals or if it is stolen. If you don’t have comprehensive and collision coverage, you’ll pay out of pocket to repair or replace your vehicle if something happens.
Myth 5: Your personal auto insurance covers business use of your vehicle.
Fact: Most personal auto insurance policies exclude business use of a vehicle. If you are using it to deliver pizzas, or you’ve signed on as an Uber or Lyft driver, you may need a commercial auto insurance policy. You should talk to an insurance advisor as soon as possible.
How to Reduce Insurance Costs
Here are some things you can do to reduce the amount you pay for auto insurance:
- Check for good driver/good student discounts
- Research insurance costs when buying a new vehicle
- Combine your insurance (auto with your home or renters, or if you and your spouse or partner have individual policies)
- Reduce your commute (ride a bike, use mass transit or move closer to where you work)
- Increase your deductibles
- Clean up your credit score
- Get a policy review
If you haven’t looked into the NEA Auto and Home Insurance Program from California Casualty, you are missing exclusive benefits for NEA members not available to the general public:
- Deductibles waived or reduced for vandalism or accidents that occur when your vehicle is parked at work
- Personal property damaged or lost in a collision, fire or taken from your car is covered up to $500
- Rates guaranteed for a full year (not six months)
- Free identity theft protection with each policy
- Multiple payment options including E-Z Pay and holiday or summer skips
Contact a California Casualty advisor today. You might be surprised at the savings and all the benefits you qualify for as an educator at 1.800.800.9410 or www.neamb.com/autohome.
Three school programs are getting a boost, thanks to a $250 Music and Arts Grant from California Casualty. The grant will enable:
- Filer High School (Filer) to purchase Photography Equipment
- Summit Elementary School (Jerome) for the Recorder Music Program
- Clark County School District #161 (Dubois) for Music Equipment
Idaho schools are among 139 public schools in 31 states receiving a total of $34,750 to provide materials, supplies and instruments for art, music and performance programs at the schools.
The grant is designed to foster creativity in schools, such as choir, band, dance, film, theater, computer arts and graphics, or any K-12 curriculum that employs art for learning.
California Casualty has partnered with Idaho Education Association since 1988 and understands the importance of music and arts education for children. Numerous studies have concluded that sharing a love of the arts enhances students’:
- Brain development
- Classroom involvement
Music and art curriculum has also been shown to reduce disciplinary issues and dropout rates.
Unfortunately, many schools have reduced or eliminated music and arts education because of budget cuts. California Casualty hopes to fill the need with the Music and Arts Grant. California Casualty hopes to fill the need with the Music and Arts Grant.
“Students love to showcase their creativity, and helping educators keep music and arts in the forefront of every-day learning is absolutely the right thing for us to do,” said California Casualty AVP Brian Goodman.
Oregon public K-12 schools needing funding for an arts or performance program can apply for the 2020 Music and Arts Grant from California Casualty, at www.calcasmusicartsgrant.com.
Founded in 1914, California Casualty has provided the NEA® Auto & Home Insurance Program to members since 2000. Headquartered in San Mateo, California, with Service Centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. To learn more about California Casualty, or to request an auto insurance quote, please visit www.calcas.com/IEA or call 1.800.800.9410.
Fall is here and you’ve finally begun to settle into a routine at work and home, but you’re also noticing some kids are starting to act up and maybe you’ve even noticed you’re struggling to maintain momentum. Between lesson-planning, grading and parent teacher conferences, you may be feeling a bit maxed out- but the Holidays will be here before you even notice. Whether you’re looking for ways to start prepping for holiday travel and shopping, or you need tips on retirement planning before Open Enrollment ends, NEAMB.com has tips and advice that will help you make it to Winter Break.
- Protecting yourself and your family is so important we have a new section of our site dedicated to helping you figure out how. Learn how to protect the Moments that Matter, myths about life insurance, and more resources to make sure everyone is taken care of. www.neamb.com/protect
- If you’re planning to save time and money by doing holiday shopping online, make sure to find out more about how to do so safely. During National Cybersecurity Month we’re going to have the information you need to know to make sure you are safe and secure online. Find all this and more at www.neamb.com/finance
- Already thinking about Winter Break? We have the breakdown about what’s new at America’s Theme Parks, as well as incredible deals on cruises for National Plan A Cruise Month. We also have tips and tricks on how to plan hassle-free holiday travel planning. Go to www.neamb.com/travel
- Winter is coming- make sure your car is ready by checking out our Car Care Checklist. We also have information on the NEA Auto Buying Program, just in time for the end of the model year so that you can get the best possible deal out there. www.neamb.com/car
- Open Enrollment Season is about to end- have you made sure you’re saving everything you need so that you’re able to enjoy your retirement when that time comes? Run the numbers on our Retirement calculators and read more about how to boost your savings by investing outside of your pension. www.neamb.com/retirement
- Don’t forget about the Life Insurance Awareness Month Sweepstakes for a chance to win up to $500! Contest ends October 15! www.mynealife.com
WEBSITE REGISTRATION CONTEST
The State Affiliates with the Nine Highest Percentages of NEW neamb.com Website Registrations Win!
Visit www.neamb.com/seareg to register.
SHARE THIS URL WITH YOUR FELLOW MEMBERS TO
INCREASE IEA’S CHANCES OF WINNING!
ENTRY DEADLINE – SEPTEMBER 30, 2019
If IEA wins we will figure out how to make the best use of the prize to benefit the membership.
The Educator Access Discount Program is a way for IEA members to save money on every day, local purchases, online purchases, hotels, restaurants, automotive services, condos and resorts, cruises and tours, entertainment and recreation, movies, services, etc., etc., etc.
How much money is “SCADS”? IEA Members who have used the program have saved, in the past 12 months, $124,866.00!! Another way to illustrate:
- For the January through June, 2019 period the following is reported: Using the online provider in January our members redeemed 128 times saving $5402; February – 118, $5394; March – 106, $4178; April – 43, $1122; May – 52, $1198; June – 60, $5592
- For the same period and using the mobile app: January – 57, $7741; February – 70, $2583; March – 65, $1246; April – 29, $334; May – 37, $1764; June – 47, $5062.
- And the combined (online and app): January – 185, $13,143; February – 188, $7,977; March – 171, $5,424; April – 72, $1,456; May – 89, $2,962; June – 107, $10,654.
- You combine all those stats and you have in this 6-month period: 1842 redeems from IEA members for a total savings of those redemptions of $81,646. average that out and the figures comes to $44.32 savings for each redemption.
How do you take advantage of similar savings? Go to the IEA website (www.idahoea.org), scroll down to the picture of the IEA membership card, (click). This takes you to the Educator Access web site. Here you register using your member number and the email address that IEA has on file for you. (If you don’t know your member number, any IEA office can tell you or check out the mailing label on any NEA mailing to you.) Once you have registered you can visit anytime. You will see that there are thousands of options for savings. Search and enjoy! While there you can check out how to download a mobile app so that you will be able to save money anywhere!!
Do it and YOU WILL NEVER BE SORRY!!
Cut the cost of out-of-pocket classroom expenses with these savvy money-saving tips.
Shopping for all the things you need to get back to school—books, supplies, clothes and more—can put a serious dent in your budget. For the 2017-2018 school year, educators spent an average of $652 on out-of-pocket classroom supplies, according to the most recent survey of K-12 teachers conducted by SheerID, in partnership with Agile Education Marketing.
It pays to look for deals, coupons, special offers and tools that help you trim the cost of shopping a little—or a lot.
Try these nine tips to get you back to school without blowing your budget!
1. Use your NEA member benefits
Save on your back-to-school needs—get discounts on brand name clothing, electronics, books, computers and other merchandise and services from hundreds of leading companies and local retailers through the NEA Click & Save program. NEA Click & Save has saved your fellow members more than $20 million so far. You can also earn WOWPoints on purchases that you can spend later in NEA Click & Save stores. It’s easy to use and well worth the time.
And don’t forget to check out our extensive Teacher Discounts list for books and magazines, clothing and jewelry, classroom supplies and teaching aids, professional development, electronics, food and much more. We’ve scoured the stores and done the deals-searching for you!
2. Share your wish list
If you hand out a classroom “wish list” to tell parents what you need, save on time and copying by posting your list online, suggests Kathryn Lagden, who works for TeacherLists.com and is vice president of strategy for the site’s parent company, School Family Media.
“Declining school budgets make it more and more necessary for teachers to figure out creative solutions to keep try to their classrooms supplied,” Lagden adds. She says TeacherLists.com is a free service that makes posting and sharing wish lists “really simple and effective.”
Right now, there are more than 800,000 (teacher) lists on the site, Lagden says. The most often requested items are basic supplies such as tissues, markers, paper towels and re-sealable bags.
Lists can be posted for individual classrooms or the entire schools. Make your list, post it once, then maintain or update it as needed. Parents can access your list instantly on their computers or smartphone while shopping in stores, or on any device, any time.
3. Ask for donations
Join a gifts-in-kind organization like the National Association for the Exchange of Industrial Resources, suggests NAIER president and CEO Gary C. Smith. NAEIR collects donations of new merchandise from US corporations such as Microsoft, Stanley Tools, 3M, Rubbermaid and many others, and redistributes them for free to their not-for-profit members, including teachers and schools.
The donated items include free class materials, office and art supplies, janitorial supplies, sporting goods, tools, toys, software books and media, personal care items, party goods and more, Smith says. Teachers browse catalogs of available supplies and ask for what they need. Typically, members pay “a modest annual membership fee, plus nominal shipping and handling costs,” Smith says. (At time of writing, NAEIR was offering educators free membership.)
4. Go social
Shop for supplies and classroom needs online, suggests frugal living, shopping and travel expert Jon Lal, founder and CEO of BeFrugal.com. “Sign up for emails from your favorite stores, or follow them on social media, to hear about sales as soon as they’re happening,” he suggests.
Try free tools to manage those emails. Kristen Strem, spokesperson for Unroll.me and Slice, says people save money when their promotion and deal emails are organized in one easy-access place. Your “roll-up” (screen) on Unroll.me shows all your special offers, sorted and saved daily, so they’re not forgotten, lost, or buried under the crush of spam.
5. Opt for apps and online coupons
Or, before you buy, search “coupon code” plus the item name, adds Brad Hines, a lesson plan creator on Teachers Pay Teachers and personal finance blogger. “There is zero excuse” not to look for coupons on every online purchase but if you don’t have time, he suggests an app called Honey that finds coupons for you automatically at the time of purchase.
For shopping on your iPhone and Android phone, a mobile app called Shopular can help you save money by delivering “geo-targeted coupons” to your phone while you’re shopping, at the retailer’s doorstep. See who else is selling the product and who has the best price (including tax and shipping fees) with the PriceGrabber app.
Use RetailMeNot‘s mobile app to get sale information, find discounts and load coupon codes to your phone while you shop. Show the code on your phone at the checkout counter to redeem your coupon.
6. Take advantage of free shipping
Look for free shipping offers and plan your purchases to take advantage of the savings they provide, suggests Lal. Many stores offer you free shipping when your order totals a certain dollar amount. If you want to buy one item but it doesn’t cost enough to qualify for free shipping, don’t check out yet. Save your cart and keep shopping until you’ve added enough items to the order to get free shipping.
7. Comparison shop
Use price comparison tools to make sure you’re getting the best deal. “When shopping for school supplies, don’t buy the first thing you see. Shop around to make sure you’re getting the best price” or use a price comparison tool like Priceblink.com, suggests company founder and Savings Expert Karl Quist. He says Priceblink finds best deals, free shipping, coupon codes, and more, saving users time—and an average “15 to 20 percent” on everything from highlighters to printers to office equipment including printers, tablets, laptops, and more.
For example, Quist found a Canon MB2020 all-in-one printer priced at $129.99. The deal sounded good because the price was “marked down from $179.99” at Office Depot. But when Quist checked the same printer through Priceblink, it showed “several other stores have it available for $89.99—that’s a difference of $40,” he says.
8. Save after the fact
Saving money after your purchase with tools like Slice that monitor price drops, suggests Strem. The app makes it easier to get a “price match refund if that backpack you bought recently went on sale,” she says. And its handy receipt tracking feature “is great for teachers who buy classroom materials out of pocket and plan to expense later” or claim as a deduction on that year’s tax return.
9. Time your shopping
Just as holiday products are cheaper after the holiday, school supplies are cheaper after the school year begins. “If you can, wait to buy school supplies until after Labor Day,” Lal says. “Prices will drop severely late in the season.”
Bonus Tip: Be super-organized and shop a year ahead!
Hines takes timed shopping a step further. “Buy with next year in mind” to save even more. When you find a sale or special price on something your classroom will need next year, buy it now and store it for later instead of waiting until you need it, when it may not be on sale. Bonus: if the price goes up during the year, you’ll save even more by buying now.
NEA Member Benefits is offering NEA members a chance to win $5,000 cash! It’s NEA MB’s way of rewarding you for your dedication and helping you further your own educational pursuits.
Now through August 31, 2019, enter each month at www.neamb.com.
If you’re the lucky $5,000 winner, you could choose to fund professional development courses for yourself, cover some of your expenses toward National Board Certification, or even help family members with their college tuition!
To enter, visit www.neamb.com or call the NEA Member Service Center at 1-800-637-4636.
What do summertime Relaxing, Retirement planning and Rail trails have in common? Visit NEAMB.com to learn why summer is a good time to focus on these three “Rs”:
- Find ways to stay fit while on vacation with 5 simple exercises, plus learn how to plan now for future health expenses. www.neamb.com/family
- Paying for college doesn’t need to be a drain on your pocketbook—and neither do family vacations. Learn how to survive the summer paycheck gap, find money for college, and make the most of your vacation budget. www.neamb.com/finance
- Do you already get the Savvy Shoppers Guide? If not, sign up now to receive a summer cheat sheet with the best strategies to rack up savings on summertime fun. www.neamb.com/shoppersguide
- Is biking one of your pastimes? Explore America’s rail trails on two wheels. Or perhaps going to a seafood festival is more to your liking. Read up on the top 5 seafood festivals across the U.S. www.neamb.com/travel
- Trying to decide if a new car is in your future? Check out calculators that can help you decide if you should buy a set of new wheels or repair the vehicle you already have parked in your driveway. www.neamb.com/car
- Let us help you prepare to buy a new home. Read tips on finding your next home, plus recommendations on staging your current one, just like the pros do! www.neamb.com/yourhome
- Follow six simple ways to get your finances in order and your retirement planning back on track. Our Retirement Calculators, designed especially for educators, can help you get started. www.neamb.com/retirement
This summer rest your mind and your budget.
As an educator, you do so much throughout the school year. Here’s your chance to take a break from the routine and give your budget a break, too.
The NEA Auto and Home Insurance Program, provided by California Casualty, offers NEA members great rates on auto and home/renters insurance along with flexible payment options, including Summer Skip. (ANOTHER GREAT REASON TO INSURE WITH CALIFORNIA CASUALTY.)
This payment option is designed for educators and enables you to skip your auto and home insurance payments during the two summer months that matter most to you.
California Casualty wants to help you maximize your summer fun without worrying about auto or home insurance bills. It’s simple to set up: just contact a California Casualty insurance advisor at 1.800.800.9410, or visit www.calcas.com/payments.
Enjoy your summer break and know that California Casualty is there when you need them. Learn more about your NEA Auto and Home Insurance Program benefits, including EZ Pay options and Holiday/Summer Skip, at www.neamb.com/autohome.
The year was 1984. A determined entrepreneur named Larry Maxfield launched a company with a database of discounts. Thirty-five years (and millions of happy members, including IEA members) later, the mission is as clear as it’s ever been: Empower people to experience more by adding value to every purchase.
In pursuit of that mission, Educator Access has spent the last few years making significant developments to its core products and processes. For instance, the ambitious new travel and activities platform promises to drive continued success into the next decade and beyond.
IEA members who have taken advantage of this discount program have been saving considerable amounts of money. In January IEA members collectively saved $4,178. In February, $5,394. In March, $5,402. Savings are available throughout the United States.
With summer break upon us, to take advantage as well, go to
idahoea.accessdevelopment.com and follow the prompts to register and begin to participate in this valuable IEA benefit. On the site you can also download an app to enable you to have discounts available right at your fingertips wherever you are. If you need your member ID number to register, IEA Member Benefits can supply that information. Email us at firstname.lastname@example.org