Jenilee Wirtz

Archive for February, 2011|Monthly archive page

Sleep Calculator…Try it!

In Random!!!!, Uncategorized on February 24, 2011 at 8:24 pm

Seems like everyone is having issues sleeping lately!

If you’re not getting the zzZZzz you need, find out when you should wake up for the best possible sleep.

Thanks to Stumbleupon I found this AWESOME sleep calculator….Try it!

 

Click the picture above or click here!

Advertisements

Experts on Long Island Care for Washed Up Baby Seal

In Animals on February 23, 2011 at 6:07 am

Experts on eastern Long Island are caring for a newborn seal that was found on a beach at Montauk State Park.

Robert DiGiovanni, of the Riverhead Foundation for Marine Research and Preservation , says the seal has a slight respiratory infection.

It still had its umbilical cord attached when it was found on Feb. 12, 2011.

The gray seal pup is about 3 feet long and 35 pounds. Adult males can weigh up to 800 pounds.

Check out the full story @ Fox 5 here!

Coventry PuzzleThon to Benefit ASCONN- The Autism Society of CT

In Charity, Child ID Program, Community Events, East Hampton on February 23, 2011 at 4:29 am

On Saturday March 5th New York Life will PROUDLY be bringing the New York Life CHILD ID Program to the Coventry CT Puzzlethon!  This event, the ASCONN Puzzlethon, is a unique fundraiser created especially to benefit the Connecticut Autism Community.  Check out the event’s FB page here!

So what is it? It’s like a Walk-A-Thon, except participants raise money by doing puzzles: jigsaw, crossword, sudoku, word search, any times of puzzles!

Why Puzzles? The puzzle piece is the most recognized symbol of the autism community. Many individuals with an Autism Spectrum Disorder excel at doing puzzles. Through Puzzlethon TM, persons with autism can enjoy meaningful and therapeautic social interactions doing puzzles with non-autistic individuals.

How it works – Individuals or teams are sponsored for participation, for each puzzle completed, or for a fixed amount.

When is it? – SATURDAY, MARCH 5TH, 2011 12 noon to 4pm at Coventry High School.

Sign up your school, community group, employer, service organization, family and more for this outstanding project!
All proceeds from Puzzlethon TM will benefit the programs and services of ASCONN.

For more information, please contact:

Kristen Bilotta-Brzozowski-860-989-0738 kris10bilo@aol.com or Carolyn Dionne-860-985-3558 cdionne@primeres.com

Can’t attend but you’d like to help?

We are looking for Puzzles!!! Call for info if interested in sponsoring a Table or Game, donating food & drink items, or donating to ASCONN.  All are welcome!  There will Puzzles of all kinds, games, facepainting, and plenty of food & drinks. Don’t miss it!  Tell your friends!

Ben Stein on Life Insurance

In Inspirational Quotes, Why you need life insurance on February 23, 2011 at 2:35 am

The famous Ben Stein on why you need life insurance:

This is only an excerpt; please read the full article here!

I wish I could show to every man who has not bought life insurance, or enough life insurance, how fearful those left behind without enough money are, and how relatively comforted and grateful those who have enough insurance are.

If husbands could take a moment to foresee what their potential widows’ lives would be like without their regular paycheck or pension check, their very next call would be to their insurance agent.

Of course, times are tough. We all know that. Almost everyone has been hit hard. I know I have been. But what is more of a necessity than keeping your loved ones secure? What expense is more responsible and adult than sacrificing now to take care of those you love down the road when the inevitable happens?

I don’t work for an insurance company or agency and no one in my family does. But I see the look on my wife’s face when she’s napping beside me, and that’s enough to say what I just said.

These are very powerful words; well put Mr. Stein!

For more information on life insurance, please contact Jenilee Wirtz at 860-716-9899 or jfwirtz@ft.newyorklife.com.

Monday Morning Motivation: Vince Lombardi

In Inspirational Quotes, Monday Morning Motivation, Sports on February 7, 2011 at 9:49 pm

“The inches we need are everywhere around us.”

-Vince Lombardi

I am not a Green Bay fan (nor am I a Steelers fan), but it is very neat to see the Vince Lombardi trophy heading “home” with the Green Bay Packers. 

In a year when “Lombardi” is a hit on Broadway, it is altogether fitting that the trophy that bears his name is headed back home.

No rewrite was needed for this script, and all the actors played their parts to near-perfection last night as the Packers made history and added to their own rich history.

They jumped ahead early in Super Bowl XLV and led the entire way. But in exhausting fashion, they had to hang on for dear life after their 21-3 lead was repeatedly cut into by the determined Steelers, who kept coming and coming but came up short.

In the end, the Packers made one final defensive stand for a 31-25 victory at Cowboys Stadium.

“The Vince Lombardi Trophy is finally going back home,” coach Mike McCarthy said.

To read more from the New York Post, please click here.

“I’m all set. I have Life Insurance through my employer.”

In New York Life, Professional Advice, Why you need life insurance on February 4, 2011 at 2:16 am

…Are you though?

The following information is provided by AMPM Insure Insurance Community.  I found the article interesting enough to share because I constantly run across individuals that who think they’re “all set”-they already have life insurance through work.

Most employers that offer group life insurance pay for the coverage either up to the employee’s salary, or a multiple of that salary.

Additional coverage is sometimes offered for an additional cost to be paid by the employee. The cost for the additional coverage may be low for a younger person (in their 20’s, 30’s, or 40’s), but group coverage most often has premiums banded in 5 year intervals. For example, a given rate is charged for someone between ages 35-39, a higher rate for 40-44, and so on. Group life insurance also has some major limitations:

1. If you are in good health, you are being charged a higher rate than you may be able to get by purchasing your own individual life insurance policy.

2. Coverage is limited, usually to a multiple of your salary. Often this multiple does not adequately cover the total needs in the event of death. Someone making $75,000 per year may be able to get up to $300,000 of group life insurance, but may have a need for $1,000,000.

3. If you leave the company, you lose the insurance. Any portion the employer pays as a benefit is usually eliminated.

4. If you leave the company and are offered the chance to convert and keep your coverage, it will often be very, very expensive.

5. You don’t own the coverage. If your employer goes bankrupt, you may be left with nothing.

6. The cost of insurance as you reach older ages on a group policy such as 60, 65, and 70, becomes very expensive compared to the cost of buying your own life insurance policy.

When you purchase your own life insurance policy, you can lock in the benefit amount that YOU choose for the amount of time that YOU want. Your premiums are guaranteed never to increase for the period of time that you choose. Your total premium outlay over that time period will almost always be less expensive than group life insurance unless you are in very bad health.

If you have life insurance through work but would like to learn more information about setting up a personal policy, please contact me at (860) 298-1068 or jfwirtz@ft.newyorklife.com.

Whole Life Insurance: An Excellent Investment Everyone Tells You Not to Buy

In New York Life, Professional Advice, Why you need life insurance on February 2, 2011 at 8:59 pm

Guest Blog!

All of the text below was taken from Dan Solin’s Blog:


Financial advice is unique. Most of it is dead wrong. The advice given by brokers (or “financial consultants,” as they like to be called) frequently has nothing at all to support it.

If you ask most financial advisers about cash value life insurance, this is what you will hear: Buy term and invest the difference. For many people, this makes perfect sense, but most people buy term and spend the difference.

If you buy term and spend the rest, you will have nothing to show for it-no cash value and no ability to keep the policy in force because of the significant premium increases as you age. That’s why most term policies expire prior to the death of the policyholder.

I don’t sell insurance and have no interest in any entity that does. However, I do believe the right kind of cash value (also called “whole life”) insurance policy could be a worthy addition to your portfolio.

Let me give you an example:

If you are twenty-nine years old, in excellent health, and a nonsmoker, you could purchase a cash value policy for a premium of $17,000 a year, for twenty years. The policy would have a death benefit of $1.2 million.

After the first year, the cash value of this policy would be more than $15,000. After five years, the cash value would exceed the premiums you paid up to that point ($85,000). After twenty years, the policy would be fully paid up, and you would not have to pay any additional premiums to keep the policy in force.

You don’t have to die to benefit from this policy. You could take out the cash value of the policy, up to the amount of the premiums paid, tax-free (although these withdrawals will reduce the amount of the death benefit). If you hold the policy until death, the death benefit will be paid to your beneficiaries tax-free.

The after-tax return of this policy is illustrated to be 5.5 percent, which is significantly greater than what you are likely to earn on your own after-tax by investing in bonds. By holding this policy, you can consider more aggressive investments for the balance of your portfolio.

The stark reality is that most Americans in their fifties have not accumulated anything close to the cash value of this policy. For those people, having access to this fund during their life, and providing for their beneficiaries upon their death, would be a huge improvement over the dire circumstances they are confronting.

Here’s the problem:

Your insurance agent is unlikely to present you with the optimal policy that will maximize your cash value. What you should look for is a blended insurance policy, which means it combines whole life and term life into a single policy. A blended policy should result in higher cash values immediately, and higher death benefits at life expectancy, because of lower sales costs. Blended policies are sold by many excellent, highly rated insurance companies, including Northwestern Mutual, Guardian, New York Life, and Mass Mutual.

“Lower sales costs” means lower commissions. Insurance agents are motivated to sell you traditional, higher-commission policies.

If you are considering insurance where the annual premium will be $10,000 or more, you should retain the services of a fee-only insurance consultant. They give unbiased advice and agree to act as your fiduciary (meaning they have no conflicts of interest and look out solely for you). In most states, an insurance agent has no fiduciary obligation to you.

Learn about the other side of the story with term life insurance from Linda Rey at the Equifax Personal Finance Blog.

For more information on how I assist clients with their retirement needs (including Cash Value Whole Life Insurance), please contact me at (860) 716-9899.

Oreo Stuffed Chocolate Chip Cookies!

In New England Winter, Yummmm...Food! on February 2, 2011 at 7:47 am

If you’re in the mood for a VERY decadent treat, you may enjoy the recipe below.  The cookie is fabulous, and was relatively easy to make.  Very hands on though, I must prepare you!

The necessities:

  • 2 sticks softened butter
  • 3/4 cup packed light brown sugar
  • 1 cup granulated sugar
  • 2 large eggs
  • 1 tablespoon pure vanilla
  • 3 1/2 cups flour
  • 1 teaspoon salt
  • 1 teaspoon baking soda
  • 10 oz bag chocolate chips
  • 1 pkg. Oreo cookies

The operation:

Preheat oven to 350 degrees.  Cream butter and sugars together with a mixer until well combined.  Beat in eggs and vanilla.

In a separate bowl mix the flour, salt and baking soda.  Slowly add to wet ingredients along with chocolate chips until just combined.  Using a cookie scoop take one scoop of cookie dough and place on top of an Oreo Cookie.  Take another scoop of dough and place on bottom of Oreo cookie.  Seal edges together by pressing and cupping in hand until Oreo cookie is enclosed with dough.  Place onto a parchment or silpat lined baking sheet and bake cookies 9-13 minutes or until golden brown. Let cool for 5 minutes before transferring to cooling rack.

Makes about 2 dozen VERY LARGE cookies.
**This is rather accurate!  We had about 21-22 cookies in total; our first few were a little TOO large.  Try placing a clump of dough on the top, one on the bottom, and really squashing them thin.  The result of a “fatter” cookie?  Our photo above with the dough over the side.

 

Jenny Flake, thanks for the treat!  Enjoy!

 
 
 
 

 

Another Successful CHILD ID Event!

In Child ID Program, Community Events, Support Local Business! on February 1, 2011 at 10:07 am

 

New York Life brought our free CHILD ID program to the “Show of Dreams” this past weekend!  The event was a blast; kiddos got to meet Joey Logano and the New England Patriot Cheerleaders.

A big thanks to everyone who came out to enjoy the show, and to the vendors, other exhibitors, and especially Frank & the “Dream Team!”

To learn more about New York Life’s FREE Child ID program, please click here!