Page 46 - AAA Magazine – AAA Ohio Auto Club – September 2018

Women & Retirement Continued from page 43
The average workplace retirement plan is tax-favored: Money within the account grows tax-free and is subtracted from your paycheck before taxes. You’ll only pay taxes on the money when it’s withdrawn.
Claim Social Security benefits carefully.
Delaying Social Security is a wise move for single women if your health permits it. If you wait until full retirement age to claim your benefits, you could receive 30-40 percent more in Social Security payments. And for every year you wait to claim Social Security after full retirement age (until age 70), your monthly payments get about eight percent larger.1
Above all, retire with a plan.
Saving for retirement begins by pairing the right outlook with the right actions. To find out just how much you’ll need for a comfortable retirement, consult a financial professional who can help you assess your saving potential. One such professional is Swank, and he can be reached at 419-522-6636, swank@thestrategicwealthgroup.com or
at www.thestrategicwealthgroup.com.
Jessica Barga is Brand Management coordinator for AAA Ohio.
1 “What older workers don’t know about Social Security,” U.S. News & World Report, 2015
Earn the rewards, ENJOY THE SEASON
Earn the rewards, ENJOY THE SEASON
Simply spend $500 or more on purchases
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in the first 90 days of your account opening and
1 get a $75 statement credit1.
Apply today. Visit AAA.comAp/cprleydtiotcdaryd. Visit AAoAr.ycomur/lcorceadlitAcAarAd. or your local AAA.
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points on eligible points on gas, 1 point per $1
travel and grocery store and on all
points on eligible points on gas, 1 point per $1
AAA purchases drugstore purchases other purchases
travel and grocery store and on all
AAA purchases drugstore purchases other purchases
disclosures accompanying the application. 1Statement Credit Offer (Valid 2/28/18 – 11/28/18). You will qualify for a $75 statement credit if you use your new credit card For information about rates, fees, other costs and benefits associated with the use of this credit card, or to apply, visit the website above or your local AAA and refer to the account to make any combination of Purchase transactions totaling at least $500 (exclusive of any fees, returns and adjustments) that post to your account within 90 days of disclosures accompanying the application. 1Statement Credit Offer (Valid 2/28/18 – 11/28/18). You will qualify for a $75 statement credit if you use your new credit card the account open date. Limit 1 statement credit per new account. This one-time promotion is limited to customers opening a new account in response to this offer and will not account to make any combination of Purchase transactions totaling at least $500 (exclusive of any fees, returns and adjustments) that post to your account within 90 days of apply to requests to convert existing accounts. Your account must be open and in good standing in order to receive this offer. Other advertised promotional statement credit the account open date. Limit 1 statement credit per new account. This one-time promotion is limited to customers opening a new account in response to this offer and will not offers can vary from this promotion and may not be substituted. Allow 8-12 weeks from qualifying for the statement credit to post to your account. The statement credit will apply to requests to convert existing accounts. Your account must be open and in good standing in order to receive this offer. Other advertised promotional statement credit generally be applied to your existing balance with the highest APR before being applied to any balances with lower APRs. Receipt of a statement credit does not affect your offers can vary from this promotion and may not be substituted. Allow 8-12 weeks from qualifying for2the statement credit to post to your account. The statement credit will responsibilitytopayyourTotalMinimumPaymentDueshownoneachstatementyoureceivefromus. HowYouEarnPoints:Youearnpointswhenyouuseyourcardtomake generally be applied to your existing balance with the highest APR before being applied to any balances with lower APRs. Receipt of a statement credit does not affect your purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered Net Purchases and will not earn points: Balance Transfers responsibility to pay your Total Minimum Payment Due shown on each statement you receive from us. 2How You Earn Points: You earn points when you use your card to make and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1 Point: Earn 1 point (base purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered Net Purchases and will not earn points: Balance Transfers point) for every $1 of Net Purchases charged to the credit card each billing cycle. 2 Points: Earn 2 points (consisting of 1 bonus point and 1 base point) per $1 for Net Purchases and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1 Point: Earn 1 point (base made with the card at any eligible gas, grocery store or drugstore merchant categories as designated by Bank of America. 3 Points: Earn 3 points (consisting of 2 bonus points point) for every $1 of Net Purchases charged to the credit card each billing cycle. 2 Points: Earn 2 points (consisting of 1 bonus point and 1 base point) per $1 for Net Purchases and 1 base point) per $1 for Net Purchases made with the card through any participating AAA Club when AAA is the merchant of record, or at eligible retail travel merchant made with the card at any eligible gas, grocery store or drugstore merchant categories as designated by Bank of America. 3 Points: Earn 3 points (consisting of 2 bonus points categories as designated by Bank of America. Points Expiration: Points expire 5 years after the month they were earned. Points Forfeiture: If the owner(s) of the card account and 1 base point) per $1 for Net Purchases made with the card through any participating AAA Club when AAA is the merchant of record, or at eligible retail travel merchant voluntarily closes the card account, or if for any reason we close the card account, any unredeemed points associated with the account are subject to immediate forfeiture, categories as designated by Bank of America. Points Expiration: Points expire 5 years after the month they were earned. Points Forfeiture: If the owner(s) of the card account unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant voluntarily closes the card account, or if for any reason we close the card account, any unredeemed points associated with the account are subject to immediate forfeiture, terms apply. Program subject to change. This credit card program is issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association and are unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant used by the issuer pursuant to license from Visa U.S.A. Inc. AAA is a registered trademark of the American Automobile Association. ©2018 Bank of America Corporation ©2018 AAA ARK7VQP8
For information about rates, fees, other costs and benefits associated with the use of this credit card, or to apply, visit the website above or your local AAA and refer to the
terms apply. Program subject to change. This credit card program is issued and administered by Bank of America, 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. AAA is a registered trademark of the American Automobile Association. ©2018 Bank of America Corporation ©2018 AAA ARK7VQP8
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