Jenilee Wirtz

Posts Tagged ‘jenilee wirtz’

Heartbreak and hope: Family faces two devastating cancer diagnoses

In Charity, New York Life, Why you need life insurance on April 7, 2011 at 1:40 am

Professionally, I find that many clients want to “hold off” on purchasing their life insurance.  I stress the fact that we truly never know what will happen to us, and share with them the importance of protecting our insurability. 

 

Elisa and Nathan Bond’s life seemed perfect. Not long after their fairy-tale wedding, they had a beautiful baby girl who was growing into a happy toddler. Outside of a few extra pounds Elisa wanted to shed, she couldn’t think of a single thing wrong with their lives.

But on Valentine’s Day, the fabric of their existence started to unravel. Nathan, 38, learned he had Stage 3 colon cancer and only a 65 percent chance of surviving the next five years.

They were still absorbing the news when, just nine days later, 36-year-old Elisa received an even worse diagnosis: the lump in her breast was malignant and her cancer had already spread. She had Stage 4 metastatic breast cancer, and her chances of surviving another five years are just 16 percent.

Elisa has only one request for those following her family’s story, she told TODAY: “If you envision our circumstance, don’t envision the cancer, envision the healing. Envision us playing with Sadie when she’s 5, when she’s 10… arguing about the keys to the car when she’s 16. That’s what we ask.”

Read the full story & watch the video clip from the TODAY SHOW here!  To donate to Elisa & Nate, visit their blog.

If you or someone you know is “putting off” the decision to fund a life insurance policy, please share this story with them. 

For more information on New York Life Insurance Company, the products we offer, or for a free consultation please contact Jenilee Wirtz at 860-716-9899 or jfwirtz@ft.newyorklife.com

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Honey Dijon Pork Marinade

In Yummmm...Food! on March 29, 2011 at 8:55 am

The following is a recipe that a client shared with me.

It’s delicious; thought I’d pass it on!

1/4 cup honey

1 tsp Dijon mustard

2 tbsp soy sauce

2 tbsp lemon juice

Mix together. Marinate pork chops for 1 hour.

Cook Pork in sauce at 375 degrees uncovered for 30 minutes.

Enjoy! :  )

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!

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!

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.

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!

“My screen looks strange after using a projector!”

In Social Media Madness on January 31, 2011 at 10:11 am

This is rather random, but if you’ve ever plugged your laptop into a projector, you may have noticed that everything looks different.  After experiencing this time and time again (and begging people in the office to try to fix it for me)…I’ve found a solution!

I’m not sure exactly what causes the “magnification” of the screen if you will, but I wanted to let my readers know the trick to getting their screen back to normal!  I finally stumbled upon a helpful article after googling the issue & here’s the trick!

Fn + F4

So simple & works wonders.  If you ever experience this issue, I hope this post helps! Thanks google!

New York Life Child ID Program @ 2011 FM Auto Show!

In Child ID Program, Community Events, New York Life, Support Local Business! on January 27, 2011 at 7:06 am

This weekend, January 29 & 30th:

Local Connecticut New York Life Agents will be bringing our CHILD ID program to the Frank Maratta Auto Show!

Some of the show’s features:

MEET JOEY LOGANO!
Joey “Sliced Bread” Logano Autograph Session

Sunday January 30th
1:30pm – 3:30pm

Meet Joey Logano, driver of the #20 Home Depot Toyota

Camry in the Nascar Sprint Cup series for Joe Gibbs Racing at this year’s 52nd Annual Frank Maratta’s Auto & Cycle Show.

Live Airbrushing with Alan Pastrana
Sponsored By: Auto Air Colors
Meet the world renowned artist and view works of art that will blow your mind.

All Weekend Long!
Come see world renowned Airbrush Artist Alan Pastrana and the legendary, “Hip Hop Bike” featured both in “Easyriders” and on the cover of “Airbrush Action” magazine. Pastrana Unlimited will be doing live airbrushing demos all weekend long and showcasing the most amazing, mind blowing, works of art on custom motorcycles. Also featured are custom builds by Evolution Cycles and Vindicator Cycles. Stop by and say hi, we love to talk you about your next paint job.

For more information on Alan Pastrana and his custom artwork, visit his website at www.pastranaunlimited.com.

For more information on admission, times, videos from past shows, and features please visit the FM AUTO SHOW’S website here.

Protecting Assets During Challenging Business Times

In New York Life, Professional Advice, Support Local Business!, Why you need life insurance on January 26, 2011 at 10:44 pm

Small businesses are the engine of the economy, and when the economy sputters they often feel it first. In the current climate of uncertainty, many small businesses have cut expenses to the bone and tried to make their operations as lean and efficient as possible.

But even if a small business owner can’t control the marketplace, he or she can take steps to protect their key assets: the people the business relies upon.

Details Matter To Customers

A recession tests customer loyalty, as people cut back on spending and carefully weigh their options for even necessary purchases. For businesses that are strapped themselves, it may be easy to let attention to the details of customer service slip. But this is the time that details matter most, whether it’s taking the trouble to send a holiday note to your mailing list or offering special deals to prize patrons. The key to their loyalty is to let them know they matter to you.

Appreciate Your Employees

Of course, you want your employees to know they’re important, too. You need their knowledge and experience to navigate the uncertain times. The recession might mean sacrifices for everyone, but it is also a time to make sure valued workers know how much they are appreciated. Even small gestures, like movie tickets or a night at a local restaurant, can keep morale steady.

Supplement Benefits, Not Costs

You may want to consider “beefing up” your employee benefits package. A “Voluntary Payroll Deduction” (VPD) program is one of the most popular ways employees can purchase additional, personally-owned buy life insurance. A VPD program can usually be set up using your existing procedures for payroll deduction. A life insurance agent would then meet individually with each employee to explain the benefits of life insurance and the ease with which it can be purchased. All products purchased through VPD are employee-owned and paid for, with no direct out-of-pocket cost to you except the cost of administration. The VPD offerings can be a smart way to supplement your overall benefits package, without draining your budget.

Note: Employee participation in a payroll deduction insurance program is completely voluntary. Since this program is not intended to be subject to the Employee Retirement Income Security Act of 1974 (ERISA), employers cannot contribute to, or endorse, this program.

Protect Yourself

As the owner of a business, you are the most important piece of the puzzle. And especially during difficult times, it is important to think about how the business would function without you. One thing that can provide a greater sense of security is a comprehensive life insurance policy. It can be tailored to fit your needs and ensure that those who rely on you every day would be provided for.

So when you think about protecting your assets in this economy, consider your human assets first.

This educational third-party article is being provided as a courtesy by Jenilee Wirtz. For additional information on the information or topic(s) discussed, please contact Jenilee Wirtz at jfwirtz@ft.newyorklife.com.

Attitude is Everything

In Inspirational Quotes, Professional Advice on January 19, 2011 at 11:31 pm

The amazing Adam Degraide, one of the founders of Astonish Results describes how attitude is everything.

*Clap *Clap..It’s going to be a great day.

Try it for 30 days, I dare you.  :  )