June 2025 Newsletter

IT'S JUNE – LET THE SUMMER BEGIN! Are you ready for longer, sunnier days and fun cookouts? That's right, it's officially summertime! Kick off the new season now by learning about National Safety Month, how to stay hydrated in the summer sun, how to make a bright salad that'll wow your family and friends, some intriguing historical facts about June, and so much more.

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June Is National Safety Month.

National Safety Month, observed every June, is an initiative dedicated to raising awareness about the importance of safety to prevent accidents and injuries in every aspect of daily life. Led by the National Safety Council, this month-long campaign focuses on educating individuals, businesses, and communities about best practices and preventive measures. Some ways you can focus on safety this month include having a plan in place in the event of a fire or other home emergency, keeping a first aid kit in your home, and making sure your vehicle is properly serviced on a regular basis. This month is also an opportunity to assess your fall prevention risks. Experts at the Centers for Disease Control and Prevention say that there are many steps you can take to reduce your risk of falling, including talking to your doctor about fall prevention, reviewing your medications for interactions that may cause dizziness, wearing proper footwear, keeping your floors clear of clutter, and having handrails installed. Keep in mind that the goal of this month is to prioritize safety not just as an obligation, but as a responsibility that we owe to ourselves and those around us.

SOURCES: Centers for Disease Control, Prevention and Occupational Health and Safety Blog

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Short-Term Care Coverage Can Help You Save On Out-Of-Pocket Healthcare Costs.

As the name implies, Short-Term Care Coverage — also known as STC — is designed to provide benefits for just a few days or up to 360 days. It encompasses services that people typically need when they're unable to take care of daily activities by themselves, like after a surgery or an illness. In these situations, Medicare is very limited and has specific requirements. STC, however, covers stays in assisted living facilities or skilled nursing homes, services offered by home aides, and even certain prescription medications. STC offers affordable premiums and generally pays out immediately when you need it, so you're protected from high out-of-pocket costs.

Do you want to learn more about STC and how it can help you save? Let's chat. Reply to this e-mail or give me a call any time to talk about STC or any of your insurance needs.

SOURCE: National Advisory Center for Short-Term Care Information

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Here Are Some Tips For Staying Hydrated This Summer

Water isn't just a refreshing thirst-quencher. As the experts at the National Council on Aging point out, water is essential to almost all bodily functions, from lubricating our joints to pumping blood to our heart. The Centers for Disease Control and Prevention recommends that adults consume 48 to 64 ounces of fluid each day and, if you venture out in the summer sun, you should consume even more. This can help you avoid dry mouth, headaches, and dizziness related to dehydration. Some tips to make sure you stay hydrated include drinking a full glass of water or clear juice with each meal, refilling your thermos or reusable water bottle throughout the day, limiting dehydrating fluids like alcohol and caffeine, and keeping water-rich fruits and vegetables in your home (for example, melons, berries, oranges, cucumbers, celery, and spinach). Hydrating every day is a relatively easy way to stay healthy while enjoying your summer!

SOURCES: National Council on Aging and Sunrise Senior Living

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Annuities Can Safeguard You Against Significant Risks

Annuities are a valuable part of any retirement plan because they can provide a consistent stream of income for life. Typically, people buy annuities to guard against two significant risks: market risk and longevity risk. In the event of a sustained market downturn that could make a huge impact on your life savings, your annuity is protected because the risk is shifted to the underwriter. Plus, outliving your money is not an issue for people who have an annuity with a lifetime income provision.

I'm here to help you structure an annuity that safeguards you from risks and suits your personal needs. Simply reply to this e-mail or call me for a chat.

SOURCE: Britannica Money

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Good Taste, Good Health

GET READY TO PARTY WITH THIS BLACK-EYED PEA SUMMER SALAD!

Whether you're kicking off the season with a get-together at your place or it's a random night at a friend's house, a classic summer cookout is always a fun way to celebrate this time of year. This bright summer salad with black-eyed peas, avocado, cherry tomatoes, corn, and cucumbers — all dressed in a punchy lime vinaigrette — is a festival of all the wonderful eats that summertime brings. The earthy, savory black-eyed peas are the star of this side dish, but the seasonal produce is what really brings it to life.

INGREDIENTS:

2 ears of fresh corn or 1 ½ cups of frozen corn kernels
2 tablespoons of unsalted butter
2 medium limes
2 tablespoons of olive oil
2 teaspoons of honey
2 teaspoons of hot sauce
1 teaspoon of kosher salt
½ teaspoon of freshly-ground black pepper
2 cans of black-eyed peas, about 15 ounces each
1 pint of cherry tomatoes, about 11 ounces
2 large ripe, firm avocados, about 1 pound total
1 medium English cucumber
A small bunch of cilantro leaves and tender stems

DIRECTIONS:

If you're using fresh corn, shuck the two ears of corn and cut the kernels from the cobs.
Melt two tablespoons of unsalted butter in a ten-inch skillet over medium-high heat. Add the fresh corn kernels or the 1 ½ cups of frozen corn kernels.
Sauté, stirring occasionally, until the kernels begin to char slightly, seven to nine minutes. Remove the pan from the heat and let it cool to room temperature.
Meanwhile, juice two medium limes into a large bowl until you have a quarter cup of juice. Add the two tablespoons of olive oil, two teaspoons of honey, two teaspoons of hot sauce, one teaspoon of kosher salt, and a half teaspoon of black pepper.
Whisk it all until combined. Drain and rinse the two cans of black-eyed peas and add them into the dressing bowl.
Halve one pint of cherry tomatoes and add them into the dressing bowl. Halve, seed, peel, and dice the two avocados. Add them to the dressing bowl.
Dice the English cucumber and add it to the dressing bowl.
Finely chop the leaves and tender stems of the fresh cilantro until you have about a quarter cup. Add it to the dressing bowl.
Finally, add the cooled corn and toss until the entire salad is fully coated. Refrigerate until chilled, at least one hour or up to overnight.
If refrigerating overnight, wait until just before serving to add the avocado. Makes six to eight servings.

SOURCE: the kitchn

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Be In The Know With These June Facts

June 19, 1866 – Juneteenth, short for June Nineteenth, was originally celebrated in Texas on this day. It marks the day when freedom finally reached enslaved people in the United States as a result of the Emancipation Proclamation. It is considered the longest-running African American holiday. In 2021, Juneteenth officially became a federal holiday.

June 14, 1922 – Warren G. Harding became the first U.S. President to broadcast a message over the radio. The event was the dedication of the Francis Scott Key Memorial in Baltimore.

June 5, 1968 – Former U.S. Attorney General and Senator Robert F. Kennedy was shot and mortally wounded in Los Angeles. The shooting occurred after a celebration of Kennedy's victory in the California presidential primary.

June 30, 1971 – The 26th Amendment to the U.S. Constitution was enacted, granting the right to vote in all federal, state, and local elections to citizens starting at 18 years old. The minimum voting age in most states had been 21 years old.

June 18, 1983 – Dr. Sally Ride became the first American woman in space, beginning a six-day mission aboard the space shuttle Challenger, launched from Florida.

SOURCES: The History Place and HISTORY

June Celebrity Birthdays: Morgan Freeman (June 1), Angelina Jolie (June 4), Paul McCartney (June 18), Nicole Kidman (June 20), Meryl Streep (June 22)

SOURCE: Holiday Insights

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CHECK OUT THIS MONTH'S SENIOR FINANCIAL GLOSSARY

THE CONSUMER PRICE INDEX (CPI) measures monthly changes in prices paid by American consumers. It is based on about 80,000 price quotes collected monthly from retail stores, service establishments, rental units, and medical offices.

HOMEOWNERS ASSOCIATION (HOA) FEES are monthly dues collected by homeowners associations (HOAs) from property owners and are standard for most purchased condominiums, apartments, and planned communities. These fees help fund the maintenance, repair, and improvement of shared areas within a community.

NEXT OF KIN is defined as a person's closest living relatives through blood or legal relationships. A person's next of kin often takes precedence over others in inheritance cases, especially when a will is not in place. Establishing someone's next of kin is also important for law enforcement, medical officials, and other authorities when they need to make notifications about an individual's passing or health.

SOURCE: Investopedia

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Quote of the Month

"Summer is singing with joy and the beaches are inviting you with dancing waves."
– Dr. Debasish Mridha, American physician, author, and philanthropist

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