Fall Aboard! Welcome To November.
Medicare's Annual Enrollment Period (AEP) is here. It's your once-a-year chance to review your current plan and make any updates for the upcoming year. Considering a new plan? Want to explore additional benefits? Or just want to make sure you're still getting the best value? Now's the time to act! Even if you're satisfied with your current coverage, it's wise to take a fresh look. Plans can change from year to year, and those updates could impact your coverage or out-of-pocket costs. AEP is open from October 15 through December 7 only, so don't delay! If you haven't scheduled your annual review with me yet, reply to this message or give me a call right away. We'll make sure everything is in place for the year ahead.
Since 1997, National Family Caregivers Month has been officially observed every November in the United States. It's a time to recognize and honor family caregivers — those who provide care and assistance to a family member with limitations due to illness, injury, or disability — across the country. Caregiving can be physically challenging and emotionally draining. Many caregivers sacrifice their own well-being to take care of their loved one. According to the Caregiver Action Network, you can increase support for family caregivers you know by providing respite care and checking in on them regularly. A thoughtful card or text message, or even a small gift, can show that you recognize their sacrifices. If you personally need help with home care and do not have a family caregiver, please reach out to me for details on short-term and long-term care options that can provide dignified home healthcare services.
As we head toward the end of the year, it's a good time to check in on your health, safety, and routines, no matter where you live. Even if you don't face snow or freezing temperatures, the seasonal shift can still affect your well-being. According to the National Institute on Aging, falls are the leading cause of injury among older adults, but many are preventable. Since shorter days and changes in weather can impact visibility, balance, and home safety, you'll want to check to make sure that your walkways are well-lit and free from any tripping hazards. Also, possible storms, holiday travel, or just a busier schedule can make restocking your medications and household essentials more difficult. So, make sure you have a few weeks of supplies in advance to prevent any issues. Experts at the National Institute on Aging also point out that it's important to stay socially connected as the holidays approach. Especially if your family or friends are far away, regular phone calls, video chats, or community events will help you maintain a sense of connection. Whether you're dealing with colder weather, darker evenings, or a change in routine this time of year … a little planning can help you stay safe and in a positive mood all season long.
Did you know that a guaranteed lifetime annuity functions much like a traditional pension, offering consistent income throughout your retirement years? That's why many retirees explore annuities to safeguard against the risk of outliving their savings. This is a real concern for many retirees, especially as life expectancies increase. Guaranteed lifetime annuities are a wise — and reassuring! — choice for many people.
Protection from longevity risk is just one of the many benefits of a guaranteed lifetime annuity. If you're curious about how an annuity could fit into your retirement plan, call me or reply to this e-mail. I'd be happy to answer your questions and discuss an annuity that brings you lasting peace of mind.
COULD THESE YUMMY CRANBERRY BRIE BITES BE EVEN MORE EXCITING THAN THE TURKEY?
It's right before Thanksgiving dinner and your guests are feeling a little peckish. These cranberry brie bites are the perfect solution! They always disappear within minutes, probably because of the delicious combination of creamy brie, sweet-tart cranberry sauce, and crunchy pecans. What's more, they easily come together in about a half hour.
INGREDIENTS:
DIRECTIONS:
November 3, 1957 – Russia launched the world's first inhabited space capsule, Sputnik II, which carried a dog named Laika.
November 10, 1775 – The U.S. Marine Corps was established as part of the U.S. Navy. It did not become a separate unit until 1789.
November 17, 1800 – The U.S. Congress met for the first time in the new capital at Washington, D.C. President John Adams then became the first occupant of the Executive Mansion, later renamed the White House.
November 19, 1863 – President Abraham Lincoln delivered the Gettysburg Address during ceremonies dedicating 17 acres of the Gettysburg Battlefield as a National Cemetery. It lasted fewer than two minutes and has come to symbolize the definition of democracy itself.
November 26, 1789 – The first American holiday was proclaimed by President George Washington to be Thanksgiving Day, a day of prayer in gratitude for the successful establishment of the new American Republic.
NOVEMBER CELEBRITY BIRTHDAYS: Sally Field (November 6), Leonardo DiCaprio (November 11), Whoopi Goldberg (November 13), Goldie Hawn (November 21), Ben Stiller (November 30)
ARTIFICIAL INTELLIGENCE (AI) is an evolving technology that tries to simulate human intelligence using machines. AI technology is apparent in computers that play chess, self-driving cars, customer service chats/texts, and “personal assistants” like Amazon's Alexa and Apple's Siri, among other things.
EBITA stands for earnings before interest, taxes, and amortization (the accounting practice of writing off the cost of an intangible asset over years). It's a measure of a company's profitability and value, and may also allow for easier comparison of one company to another in the same industry.
OVERHEAD is an ongoing business expense not directly tied to product or service creation. It tends to be recurring regardless of whether or not business is booming. Some examples of overhead include rent, utilities, and administrative expenses.
“No one is useless in this world who lightens the burden of it for anyone else.”
– Charles Dickens, English novelist and social critic
Fall Aboard! Welcome To November.
Medicare's Annual Enrollment Period (AEP) is here. It's your once-a-year chance to review your current plan and make any updates for the upcoming year. Considering a new plan? Want to explore additional benefits? Or just want to make sure you're still getting the best value? Now's the time to act! Even if you're satisfied with your current coverage, it's wise to take a fresh look. Plans can change from year to year, and those updates could impact your coverage or out-of-pocket costs. AEP is open from October 15 through December 7 only, so don't delay! If you haven't scheduled your annual review with me yet, reply to this message or give me a call right away. We'll make sure everything is in place for the year ahead.
Since 1997, National Family Caregivers Month has been officially observed every November in the United States. It's a time to recognize and honor family caregivers — those who provide care and assistance to a family member with limitations due to illness, injury, or disability — across the country. Caregiving can be physically challenging and emotionally draining. Many caregivers sacrifice their own well-being to take care of their loved one. According to the Caregiver Action Network, you can increase support for family caregivers you know by providing respite care and checking in on them regularly. A thoughtful card or text message, or even a small gift, can show that you recognize their sacrifices. If you personally need help with home care and do not have a family caregiver, please reach out to me for details on short-term and long-term care options that can provide dignified home healthcare services.
As we head toward the end of the year, it's a good time to check in on your health, safety, and routines, no matter where you live. Even if you don't face snow or freezing temperatures, the seasonal shift can still affect your well-being. According to the National Institute on Aging, falls are the leading cause of injury among older adults, but many are preventable. Since shorter days and changes in weather can impact visibility, balance, and home safety, you'll want to check to make sure that your walkways are well-lit and free from any tripping hazards. Also, possible storms, holiday travel, or just a busier schedule can make restocking your medications and household essentials more difficult. So, make sure you have a few weeks of supplies in advance to prevent any issues. Experts at the National Institute on Aging also point out that it's important to stay socially connected as the holidays approach. Especially if your family or friends are far away, regular phone calls, video chats, or community events will help you maintain a sense of connection. Whether you're dealing with colder weather, darker evenings, or a change in routine this time of year … a little planning can help you stay safe and in a positive mood all season long.
Did you know that a guaranteed lifetime annuity functions much like a traditional pension, offering consistent income throughout your retirement years? That's why many retirees explore annuities to safeguard against the risk of outliving their savings. This is a real concern for many retirees, especially as life expectancies increase. Guaranteed lifetime annuities are a wise — and reassuring! — choice for many people.
Protection from longevity risk is just one of the many benefits of a guaranteed lifetime annuity. If you're curious about how an annuity could fit into your retirement plan, call me or reply to this e-mail. I'd be happy to answer your questions and discuss an annuity that brings you lasting peace of mind.
COULD THESE YUMMY CRANBERRY BRIE BITES BE EVEN MORE EXCITING THAN THE TURKEY?
It's right before Thanksgiving dinner and your guests are feeling a little peckish. These cranberry brie bites are the perfect solution! They always disappear within minutes, probably because of the delicious combination of creamy brie, sweet-tart cranberry sauce, and crunchy pecans. What's more, they easily come together in about a half hour.
INGREDIENTS:
DIRECTIONS:
November 3, 1957 – Russia launched the world's first inhabited space capsule, Sputnik II, which carried a dog named Laika.
November 10, 1775 – The U.S. Marine Corps was established as part of the U.S. Navy. It did not become a separate unit until 1789.
November 17, 1800 – The U.S. Congress met for the first time in the new capital at Washington, D.C. President John Adams then became the first occupant of the Executive Mansion, later renamed the White House.
November 19, 1863 – President Abraham Lincoln delivered the Gettysburg Address during ceremonies dedicating 17 acres of the Gettysburg Battlefield as a National Cemetery. It lasted fewer than two minutes and has come to symbolize the definition of democracy itself.
November 26, 1789 – The first American holiday was proclaimed by President George Washington to be Thanksgiving Day, a day of prayer in gratitude for the successful establishment of the new American Republic.
NOVEMBER CELEBRITY BIRTHDAYS: Sally Field (November 6), Leonardo DiCaprio (November 11), Whoopi Goldberg (November 13), Goldie Hawn (November 21), Ben Stiller (November 30)
ARTIFICIAL INTELLIGENCE (AI) is an evolving technology that tries to simulate human intelligence using machines. AI technology is apparent in computers that play chess, self-driving cars, customer service chats/texts, and “personal assistants” like Amazon's Alexa and Apple's Siri, among other things.
EBITA stands for earnings before interest, taxes, and amortization (the accounting practice of writing off the cost of an intangible asset over years). It's a measure of a company's profitability and value, and may also allow for easier comparison of one company to another in the same industry.
OVERHEAD is an ongoing business expense not directly tied to product or service creation. It tends to be recurring regardless of whether or not business is booming. Some examples of overhead include rent, utilities, and administrative expenses.
“No one is useless in this world who lightens the burden of it for anyone else.”
– Charles Dickens, English novelist and social critic
Let me help you take the next step for a more financially secure future.
Call or Text: (412) 897-0760
Email: brian.goldman@successfs.com
