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Welcome to Stewart's Insurance Depot
Greetings!
The best to you this holday month and season. This year has ceratinly flew by and just in a few more days, it will be 2008. I would like to take this oppprtunity to thank you all for allowing us to provide resources and insurance products this year. May this season provide you with joy, warmth, and good health.
At the depot, we have our annual Christmas celebration display and garden railroad in operation. You canview our Christmas celebration located in Fishers at 11211 Harrington Lane. The display is available for viewing seven days a week between 4:30 and 9:00 PM. We have included a sound coordinated light show this year. The Santa Claus Christmas Express will start operation during the above hours weather and winds permitting starting on December 21st.  Included are articles on the right listing various topics of interest. I do hope you enjoy reading this newsletter and if you have any suggestions, comments or would like to forward it to your friends, feel free to do so.
John |
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John is now licensed in
the additional states of Georgia and Florida to provide you with life, health, long-term care and senior products plus fixed and fixed indexed annuities. So, if you are relocating to any of the states below or are currently a resident, we can write and maintain your insurance as your agent. Here are the states that we are licensed in as of 12/04/2007:
Indiana, Florida, Georgia, Kentucky, North Carolina. Pennsylvania, Ohio and Wisconsin.
Have a friend or family member living in any of these states? Feel free to forward our email newsletter to them. We would appreciate it. |
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Rule of 72
The Rule of 72 is a quick and easy way to calculate compound interest.
This simple rule allows you to quickly answer two questions:
(1) How long will it take me to double my money if I earn X%?
(2) What rate of return must I earn if I wish to double my money in X years?
Using the Rule of 72 When the Rate of Return is Known:
If an individual knows he can earn 10% on his money, he may ask the question, "How long will it take to double my
money at this rate of return?" Using the Rule of 72, this calculation is simple. Just divide 72 by the rate of return
(10). The answer (7.2) is the number of years it would take the investment to double.
Using the Rule of 72 When the Number of Years is Known:
The Rule of 72 can also be used in reverse. An individual that wants to double her money in a certain number of
years could use the rule to discover the rate of return she would have to earn to achieve her goal. If she wanted to
double her money in nine years, for example, she would divide 72 by 9. The result (8%) is the after-tax compound
annual rate of return she would have to earn to meet the goal on time.
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Pay yourself first 
Insuring your income could be the most important thing you ever do. It's natural to insure your home, car and other valuables. Why not protect the funds that provide these items - your income.
Many financial experts advise to "pay yourself first." This means you should include disability income insurance in your insurance plans. I'd like to show you how an Individual Disability Income (DI) insurance policy from Principal Life Insurance Company can help meet your needs. Though a disability nay leave you unable to earn an income, disability income insurance helps protect your ability to meet your financial goals.
Call me today for more information on how an Individual DI insurance policy from Stewart's Insurance Depot can help protect your income. |
A Look at Fixed Indexed Annuities
In a year of a jumpy stock market performance and low fixed interest rates, it might be a good time to look at a financial solution known as a fixed index annuity (FIA).
The concept of FIAs is simple: they offer you the opportunity to take advantage of the upside potential of the market while
giving you complete protection from downside risk.
Let's see if a fixed index annuity is right for you:
· Do you worry about your financial future?
· Are you close enough to retirement that you cannot afford the risk of the market?
· Are you fairly conservative?
· Do you have money in CDs earning low interest rates?
· Do you have other investments that have produced negative returns?
· Do you want to stop paying taxes on money you're not even using?
If you answered "YES" to any of these questions, a fixed index annuity might be a great fit for your retirement dollars.
Please contact me at your convenience to set up a free consultation. We can explore fixed index annuities in greater
detail and look at the many other financial solutions available to you. I look forward to speaking with you. Email or call me to set up an appointment.
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Energy Savings and Time
The cost of energy just like evrything else goes up and down. Unfortunately for us, the cost of energy is based on demand, capacity and where we purchase the base materials. Since we have not allowed off-shore drilling and have not built a new refinery in over 30 years, we are stuck with these artifically high cost. So what can we do?
There is a source for information on this topic which might be of help to you. Here is a link to energy savers, a website by the Department of Energy which can help click here for energy tips. Also, I would suggest you write your congressman and senators to pass alegislation that will free us from foreign dependence and allow for our own resources to be used. |
From John's Kitchen
There are several deserts which are great to serve but sometimes they seem either too complicated or impossible. One of these is Creme Brulee. This is one of my favories and it may sound exotic but is realy quite simple. So now you can surprise your family and friends with what really is a great desert.
4 egg yolks
1/3 cup sugar
2 cups whipping cream
1 bar (4 oz) white chocolate cut into quarter pieces
1/2 tsp pure vanilla extract
Preheat oven 300 deg F. In mixing bowl whisk egg yolks and 1/3 cup of sugar until smooth. In 2 qt sauce pan bring whipping cream to a simmer (not boil) ov4er medium high heat. Add white chocolate to cream. remove pan from heat and whisk mixture until melted. Gradually add to the egg mixture, whisking continuously until smooth. Place the ramakins after filling with mixture into 9x11" pan and 1 or 1 1/2" of water in pan (keep water away from ramakins). Bake for approx. 45 minutes or until set. Gently jiggle the ramakins to determinerather the creme brulee. Preheat oven after removal of pan and ramakins to broil setting. Sprinkle remaining sugar on top of creme brulee and place back in oven until sugar has carmalized (keep an eye on it). Remove from oven and cool. May be covered and stored in refrigerator over night.
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Still uncertain about Health Savings Account/High Deductible Plans?
What is your major medical plan really costing you? If you have a traditional copay plan you might be amazed as to how much youare not saving. Here is a presentation on Health Savings Account/High Deductible Plans types of major medical plans for an HSA presentation click here. Or feel free to gove me a call to discuss the advantages and for a proposal on these plans. |
Return of premium insurance
Did you know that there are insurance products available where you can get either a portion of your premium or all of it back? Stewart's Insurance Depot offers the return of premium products in life and disability income, So why not have your cake and eat it too! Take advantage of receiving back a major protion or all of your premium dollars. Call or email me for details.... stewartsinsure@yahoo.com .
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What can we do in 2008 to make my life better!
It does not take any rocket scientist to know that if we done some very simple things, that our lives better. I am not getting on the soap box about some of the fad ideas but just some simple things.
For example, here are ten basic things which can help us stay healthier:
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Eat a balanced diet of the basic food groups three times a day.
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Stay away from those junk foods.
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Instead of jumping into the car to drive down the street; walk.
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Use the stairs and not the elevator.
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Don't over indulge.
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Drink plenty of water.
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Exercise for 20 minutes a day.
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Spend at least 30 minutes/day doing something that you enjoy.
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Empty your mind before bedtime.
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Understand that the value of life is what you put into it.
Your yearly physical
We are all busy and seem just to not have enough hours in the day to take care of one of the most vital and simple aspect to our life. That is your yearly physical. So before 2007 ends, why not schedule your physical today! Also don't forget the PSA, mamogram and even a colon checkup. Early detection improves your chances of life.
Dental care can help keep you healthy:
Not only does good brushing prevent cavities but according to my dentist it helps prevent other disease as well. Did you know that the bacteria which cause gum disease, bad breath, jaw bone erosion can reduce the life of your teeth ? A good yearly cleaning and inspection of your teeth, gums and mouth can reduce your risks to tooth decay, gum disease and other more serious illnesses. It is also a good idea to brush and use some kind of flossing everyday.
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