~~~~~~~~~~~~~~~~~~
Did you know...
* "Jingle Bells" was first written for Thanksgiving and then became
one of the most popular Christmas songs.
* "Rudolph" was actually created by Montgomery Ward in the late
1930's for a holiday promotion. The rest is history.
* Germany made the first artificial Christmas trees. They were
made of goose feathers and dyed green.
~~~~~~~~~~~~~~~~~~
|
December Notes National Handwashing
Awareness week:
Dec. 6th - 12th. Wash your
hands for at least 20 seconds
often during the day.
Participate in a nationwide
handwashing competition.
Information:
www.henrythehand.com
Gift of Life: Blood is always in
short supply in winter. You
can donate as often as every
eight weeks. To find a nearby
location: Contact the American
Red Cross (800-448-3543)
call your local hospital...or look
up special one-day drives at
www.givelife.org
Once in a blue moon: The
second full moon in a month
- a blue moon - adds special
touch to New Year's Eve this
year.
~~~~~~~~~~~~~~~~~
|
Referral Corner
We always love to have
new people become part of our inner circle of
friends and family. If you know of someone
looking for insurance and investment services, please send them our way.
Simply send them this newsletter, and have them bring it in to the agency or call our office and we will give you $10 worth of NJ Instant Lottery Tickets!
~~~~~~~~~~~~~~~~~~
|
~~~~~~~~~~~~~~~~~~
 Facebook
|
|
Greetings!
I hope you enjoyed your Thanksgiving. In this month's newsletter, you will find valuable insights for your physical as well as your financial health.
All of us at The Amwell Agency wish you and your family a happy, healthy holiday season and a prosperous 2010!
________________________________________________
|
|
Worried about the Stock Market & Safety? Ready to Beat CD Rates? Try Annuities!
Long considered a CD
alternative, annuities have become very popular today. Paying higher rates than
CD's and deferring taxes, many people on a fixed income find annuities are a
better option than tying up money in CD's or letting it languish in a money
market account...
Like a CD, you can place lump sums of money in annuities. Typically, you should leave money in the annuity for a period of years. The longer you leave the money in, the higher your interest rate can be. Depending on the annuity purchased, a yearly amount is allowed to be
withdrawn without a penalty. This amount can be your interest, up to 10% of your initial deposit or the account value, depending on the carrier.
Is an Annuity right for me?
In the past, annuities were considered
investments for people nearing retirement. But today, annuities can
be smart investments for people of all ages. Remember, an annuity can be
invested in a variety of different asset classes, offering everything
from a fixed interest rate to growth based on the capital appreciation of various indexes. The following are good
uses for annuities:
- You need a higher interest-rate
alternative to Certificates of Deposit (CD's) and money market funds.
- You want to make your long-term
savings grow faster without current taxation.
- You need to save more for
retirement, but you have "maxed out" your IRA, 401(k) or
403(b).
- You need to roll over (reinvest)
existing tax-deferred savings, like retirement plans.
- You need to guarantee yourself an
income for the rest of your life.
An annuity is more apt to provide liquidity when you need it than a CD because of the above mentioned withdrawal privileges and the annuitization options that exist on most contracts.
To learn more about these exciting benefits, please contact us today!
_________________________________________________
|
|
For Better Health
Natural Ways to Fight Swine Flu:
Oscillococcinum: This is an over-the-counter homeopathic remedy when taken at the first sign of symptoms, can reduce both the duration and severity of flu. Important: Works only when taken within one to three days of symptom onset. Dose: One vial of pellets under the tongue, three times daily, for no more than three days.
Chinese Herbal Formulas: These products typically contain six to 10 different ingredients, including herbs such as honeysuckle, forsythia, isatis and andrographis. Some of the components have antiviral effects, others increase immunity and others addres specific symptoms such as congestion or fever. Important: Use only formulations that have been produced in the U.S., which has the highest quality-control standards. One good brand is Wellness Formula, made by Source Naturals. Dose: Follow the label instructions.
Echinacea: Echinacea appears to be most effective when combined with other herbs that strengthen immunity and relieve upper-respiratory infections. Caution: Don't take echinacea if you have an autoimmune disorder, such as rheumatoid arthritis or lupus. Dose: Follow label directions.
Inhalation Therapy: One of the fastest ways to relieve symptoms of colds and flu, inhalation therapy can also help prevent illness because it kills viruses in the upper respiratory tract. When you're in a crowded place, such as an airplane, take several deep sniffs from a bottle of essential oil such as tea tree oil. Do this every one to two hours. For symptom relief: Pour boiling water into a bowl, add a few drops of tea tree oil. Drape a towel around your head, lean forward, close your eyes and take breathe in the steam.
Medicinal Mushrooms: Medicinal mushrooms, including shiitake, maitake and reishi are extremely powerful immune stimulants. Dose: Eat one or more of these mushroom varieties a few times a week throughout the col and flu season. Or take a supplement that includes a mushroom blend, such as New Chapter Host Defense.
Vitamin C and Zinc: Vitamin C has been shown to be somewhat effective at preventing and treating upper-respiratory infections. Zinc lozenges often are used to reduce symptoms, including cough, nasal discharge and sore throat. Dose: Up to three zinc lozenges daily for three or four days. For vitamin C, a typical dose is 1,000 mg daily, divided into two to three doses to avoid stomach upset. Follow the label instructions.
Sources: Woodson C. Merrell, MD, Beth Israel Medical Ctr., NY, clinical professor of medicine at Columbia University, NY.
__________________________________________________
|
|
|
|
|
