Funeral arrangements for former AEA Executive Secretary Dr. Paul R. Hubbert
We have received numerous inquiries regarding the funeral arrangements for Dr. Paul Hubbert. Please see the notice below. Also please keep the Hubbert family in your prayers as they face some difficult times.
Janice J. Charlesworth
Alabama Education Retirees Association
The family will receive visitors on Friday, October 17 from 1:00 p.m. until 3:00 p.m. at Heritage Funeral Home in Montgomery.
A memorial service for Dr. Hubbert will be held Saturday, October 18 at 12:00 p.m. at the Montgomery Performing Arts Centre at Renaissance Montgomery. Officiating at the service will be Dr. Susan Diamond, First Christian Church, and Brother Phillip Black, Grace Pointe Church of Christ. Pallbearers will be Mr. John Baker, Mr. Steve Perrigin, Mr. Sam Colson, Mr. Mac McArthur, Dr. Gerald Johnson, and Mr. Herman (Buck) Watson.
In lieu of flowers, the family requests donations to the following:
The Paul and Ann Hubbert Endowed Scholarship
College of Education, University of Alabama
Tuscaloosa, Alabama 35486
First Christian Church
1705 Taylor Road
Montgomery, Alabama 36117
Montgomery Museum of Fine Arts
P.O. Box 230819
Montgomery, Alabama 36123
Jackson Hospital Foundation
1725 Pine Street
Montgomery, Alabama 36106
Photos from District 1, 2, 3, 4, 5 Meetings
Important Retired Delegate Election Information
The required forms have been approved by the AEA Policy Committee. Members may nominate themselves for AEA and NEA delegates. The delegate nomination process will open on Wednesday, October 1 and close on Friday, October 31 at 4 p.m. Nomination forms must be received at the state office by close of business on Friday, October 31.
Please use the appropriate forms enclosed including the AERA Biography Form and include a recent photo. These forms are also available online at www.aerainc.org. An AERA district map is also enclosed to assist with determining which district a member resides in.
AERA ballots will be mailed to all current AERA/AEA dues paying members no later than January 5, 2015. The mailing will include three ballots:
1. AERA officers and district director
2. AEA Retired Delegates
3. NEA Retired Delegates (Note: only NEA Retired members will receive this ballot)
For your convenience, a return envelope will be included with the ballots. The deadline to receive ballots is Monday, February 2, 2015. The Nominations & Elections Committee will canvas the election results February 10, 2015.
Please note the voting process for delegates is that each member will be entitled to vote for the total number of AEA and NEA delegates by district. Complete instructions will be included with the ballots.
For more information, contact the AERA office at 800-537-6867.
3 Types of Insurance to Protect Your College Student
As your child leaves the nest, make sure there’s a safety net in place.
Tuition may not be the only check you need to write if you’re sending a kid off to school this fall. Take stock of your health, homeowners and auto insurance to see which situations are covered and which aren’t, and when you might need to buy more protection.
Health insurance. Adult children can generally stay on their parents’ health insurance policy until age 26. But check to see whether your plan’s network of doctors and hospitals extends to the area where your student will live while at school. Many policies provide little or no coverage for out-of-network care, except for emergencies.
Your child may be able to buy a student health insurance policy. Many of these policies are more robust than in the past and no longer set annual and lifetime maximums. Others may have only basic coverage for the campus clinic and an affiliated nearby hospital. But that can be a good supplement to a parent’s policy that has little or no in-network coverage near the college, says Hector De La Torre, executive director of the Transamerica Center for Health Studies.
Another alternative is for your student to buy an individual policy through the local health insurance exchange (go to healthcare.gov for links) or directly from an agent, insurer or Web site such as eHealthInsurance.com. (Some insurers only sell policies off the exchanges, so it’s best to check out both options.) If your student is still a dependent for tax purposes, he won’t qualify for a premium subsidy.
On-exchange and off-exchange policies cover the same ten essential health benefits and fall within the four metal tiers (platinum, gold, silver and bronze). Insurers may also offer catastrophic policies that have higher deductibles in exchange for lower premiums. People ages 18 to 24 paid an average monthly premium of $144 in the first quarter of 2014 for policies purchased at eHealthInsurance.com, with most people in that age group choosing catastrophic-level policies. Open enrollment for individual policies is closed until November 15, but students who move to a new state may qualify for a 60-day special enrollment period.
Renters insurance. Most kids leave home with a boatload of electronic gear, clothes and other stuff. If your child lives in an on-campus dorm, your homeowners insurance will usually provide coverage. Liability limits will be the same, but note that there may be a 10% limit on possessions coverage because the items are not in your home.
You may be able to add coverage for PCs, tablets and other pricey items—with higher limits and coverage for accidental damage—for about $50 to $100 per year, says Spencer Houldin, an independent agent in Washington Depot, Conn. If your student moves to off-campus housing, you may need to buy a basic renters policy, with $15,000 of property coverage and $500,000 of liability coverage, for $125 to $150 per year, says Houldin. Unrelated roommates may need separate policies.
Car insurance. If your child moves more than 100 miles away from home and doesn’t take a car, your premiums could drop by as much as 30% or 40%, and she will still be covered when she drives your car at home. If she takes a car with her, your premiums may increase or decrease depending on where she moves, says Bill Wilson, of the Independent Insurance Agents and Brokers of America. Students who maintain a B average or better qualify for a good-student discount of 5% to 15%.
© 2014 The Kiplinger Washington Editors
Brought to you by NEA Member Benefits.
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5 Ways to Save Gas Money
Here's how to keep more cash in your pocket when you're at the pump.
Don't let hefty gas costs slow down your road-tripping fun. According to AAA, regular gas was $3.68 per gallon, on average, in late June, about 16 cents more than the year before. And costs are expected to stay relatively high, between $3.55 and $3.70 per gallon, throughout the summer, which is usual for the peak travel period. But you can keep your pain at the pump under control. Here are five ways to save on gas:
1. Search online for the lowest gas prices.
Before you hit the road, head to the information superhighway. GasBuddy.com and its 12 million registered users will help you find the lowest gas prices in your area. Search the site by zip code or city and state to reveal the lowest local gas prices posted by other users. Better yet, download the GasBuddy app to find the best prices on the go.
Keep in mind that prices may change during the day and nobody is fact-checking user-reported prices. So, the price you found online may differ from what you find at the station. You'll also want to check that the price on the pump matches what is on the sign.
2. Target the best day and time to buy gas.
Don't wait until your gas gauge drops near the "E" to fill 'er up. Better to note when you have a quarter-full tank and give yourself some time to locate and get to the station with the lowest price.
Planning ahead can also help you schedule some savings. The best time of day to refuel is before dawn or late at night; stations usually raise prices during the day, especially for rush hour. The best day of the week to score cheap gas varies, but the majority of motorists will find the best deals late in the week or over the weekend, according to a recent study from GasBuddy. (Some outliers: Gas tends to be cheaper on Mondays in Indiana, Iowa and Kentucky.) See the full analysis for the best day to buy gas in your state.
3. Improve your gas mileage with better driving habits.
High speeds, quick starts and squealing stops burn more gas—and money. Smoother rides, with less pedal pushing, can improve fuel economy by up to 37%, according to Edmunds.com. Consider using your cruise control more often to keep your speed in check. And practice looking farther down the road to anticipate traffic. Light turning red? Ease off the gas well ahead of your stop.
Idle cars are the devil's Big Gulp. According to the Energy Department's fueleconomy.gov site, idling can drain your tank by a quarter- to a half-gallon of fuel per hour, depending on the size of your engine and use of air conditioning. On the other hand, restarting your car will only sip up a few seconds' worth of gas, so you're better off powering down when you're parked or sitting in excessive traffic. Also, consider a GPS: It'll provide the fastest, most efficient route to your destination, which can save you money.
And why drive if you don't have to? If you can't commute by bike or foot, try public transportation or find a carpool. Check if your employer offers subsidies for train or bus fares. And ridesharing services, such as eRideShare.com, Boontrek.com and Carmacarpool.com, make it easy to connect with others heading your way.
4. Keep your car healthy.
Proper maintenance of air filters, spark plugs and fluid levels is best for your car and wallet. The right tire pressure is also very important for good fuel economy. Every pound-per-square-inch under the manufacturer's recommendation for all four tires lowers your gas mileage by 0.3%.
You also want to keep your car on the right diet. If it's not recommended in your owner's manual, don't waste your money on premium gas, which can cost 15 to 20 cents per gallon more than regular. And try to keep the pounds off your car. Large loads affect cars just as they do to mules or horses: They weigh the vehicle down and make it harder to speed up. In fact, your fuel economy may be reduced by up to 2% per 100 packed-on pounds. Smaller cars are especially put upon by excess cargo.
5. Make good on gas rewards.
Carrying the right credit card can earn you rebates on gas purchases. Some cards will get you 5% cash back when you purchase gas. Shopping at certain stores can get you gas discounts, too. For example, you can save 10 cents per gallon for every 100 points you earn at Giant grocery stores.
© 2014 The Kiplinger Washington Editors
Brought to you by NEA Member Benefits.
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