Copy
View this email in your browser
Litchfield Insurance Associates
February 2023 Newsletter
Are we ready for Spring?
This month we focus on updates to American Heart Month,
Social Security, Dental tips, Safe Retirement
and finish with our Ultimate Burger Recipe.

The change to Daylight Savings Time (DST)
(the unofficial beginning of Spring) is less than 3 weeks away.

Let's get to the news!

 


February is American Heart Month

 
This month is a time when the nation spotlights heart disease, the leading cause of death in the United States.  The CDC created the campaign "I Live to the Beat"  that encourages people to take small steps to address key risk factors like hypertension, high cholesterol, and high blood sugar. 
 

There's a lot we can do to live a heart-healthy life

Try starting with these:
  • Move more - Get at least 2.5 hours of physical activity per week.
  • Improve Sleep Habits - Aim for 7 to 8 hours of sleep per night.  Not getting enough sleep or getting poor quality sleep increases the risk of high blood pressure and heart disease.
  • Aim for a Healthy Weight - Being overweight is hard on the heart.  Choosing the right foods and getting regular exercise help achieve and maintain a healthy weight.
  • Quit smoking - The chemicals in tobacco smoke harm the heart and blood vessels in many ways.  
  • Reduce stress - Practice meditation, take time to read something inspirational.   Talking with someone you trust can help with coping.  Help someone else, often times when we reach out to others, our own problems are less glaring.
Know your numbers.   Meet heart health goals by keeping track of exercise, blood pressure, and cholesterol numbers and remember to discuss them with your doctor.
 

FAQ:
   When is the best time to start Social Security?
 

With the 2023 record increase to Social Security for recipients, a common question among seniors is when is the best time to take Social Security benefits? 

An important reminder:  you do not have to wait until you hit 67 to begin collecting benefits. Yes, the full retirement age is currently 67, but you can begin collecting benefits as early as 62. 

When you make the decision to start collecting your Social Security benefits, it is a decision that can affect your finances for the rest of your life. There are advantages and disadvantages, whether you decide to retire early or wait a few more years. The earliest you can start receiving your Social Security benefits is at age 62 -- though you'll receive a smaller amount than if you wait. If you do wait until full retirement age (67 or later for those born in 1960 or later), you can collect more money -- but over fewer years.

Just because you decide to wait to claim your retirement benefit doesn't mean you have to delay your work retirement.  However, you should make sure you've got income coming in from your 401(k) or other investments so you can afford your living expenses. 

If you're solely relying on Social Security benefits to pay for your expenses in retirement, waiting to retire and claiming your benefits at a later date could be a better choice. You'll receive more money each month and you'll have more time to save for retirement.

If you choose to claim your benefit early, your retirement benefit will be reduced for each month before you are at full retirement age.   For instance, if you were born in 1960 or later and retire at age 62 with a retirement benefit of $1,000 per month, your payment would be reduced to $700 (or a 30% reduction).  On the positive side, that's still $700 you would otherwise not receive during that time if you didn't draw your Social Security benefits.  You might benefit from collecting payments over a longer period of time.

For more information, the best place to start is at www.ssa.gov.  If you have not created an account, you can do so at any age.  Once in the portal you can:
(a) check your eligibility
(b) estimate your benefit amount
(c) check your personal record of earnings to date.  

The site has been remodeled recently and is much more user friendly and has a wealth of information.  If you have any trouble creating the account, please call our office at 951-769-0005, we are happy to assist with this.


 

What Your Dentist Wishes You Knew

A recent article in the NY Times focused on dental care. The ADA (American Dental Association) has some new recommendations for all of us that should be on your dental checklist:
  • Your gums should not bleed when you floss. It's true that if you slack for awhile you may see a little blood when you restart flossing. But if your gums bleed for a prolonged period, see your dentist.
  • Time to step away from charcoal toothpaste.  Charcoal toothpaste has been marketed as a natural teeth whitener.  The ADA has concluded that the abrasiveness can cause tooth hypersensitivity and the charcoal can lodge in gum pockets.
  • You do not need an electric toothbrush.  The ADA says it is more important to focus on brushing twice a day.  If you do so at the gumline, at a 45-degree angle, and for two minutes--doing so with a manual (or electric if you prefer) toothbrush, either works just fine.
  • The health of your mouth is linked to the health of your body.  If you maintain good oral health, you are at a lower risk of developing diabetes, cardiovascular disease, and even certain cancers.
  • Do not get high before a dental treatment!  If you take a gummy before you go to your appointment, make sure to tell your dentist.   It could affect the treatment from the dentist and their ability to use anesthesia if needed.
Did you know our agency has resources, expertise and a whole lot of years of experience helping our clients experience a better, safe retirement than most seniors that you know? 

Our Agency gives free consultations to you, our client, to see if there’s a better, safer way to improve and protect your retirement lifestyle without any Market Risk. Period. Never any Fees, ever.

So, let me ask you a few questions.

How’s your IRA doing lately? 

Your 401(k)

Your Annuity?

                                                     
Sometimes we have to realize that we don’t have enough time to recoup losses in the market. We also know that old annuities are making barely above “0” or creating cobwebs at best. Let’s take a look at your concerns together and see if there is a plan and strategy that works better. Remember, no more losses, no more fees and no obligation.   Give us a call today!
 
Sunrise at Litchfield Hills
Bambi and Friends
on our Ridge Line
Country Living
Gunner Birthday Shopping
with Grandma - Super Fun!
Gunner Birthday Shopping
with Grandma - Super Fun!
HAPPY SPRING EVERYONE!!

The Ultimate Burger
 
Everyone loves a good burger.  Most of us have our own version and this one is ours.  It can easily be modified to a turkey burger or even a "beyond" burger.  

There are some key components to any good burger.  First, the beef choice.  We use 80/20 (meaning 20% fat) because the ratio creates a perfect combination for a juicy and flavorful burger.  Two, the bread.  We like a Ciabatta roll because the are readily available and there are some really good ones in stores and bakeries.  If you can find Portuguese muffins, buy them.  They are like an oversized English muffin (which can use for sliders) without the cornmeal on the bottom. Whichever bread you choose, you do not want a choice that falls apart.  Soft but sturdy is ideal.  

Finally, what goes on the burger?  We like cheese (Vermont cheddar); onions & mushrooms; and to notch it up a level, we create a sauce we call Pesto Mayo.  Equal parts pesto (some good ones in the stores and Costco--or make your own) and Duke's Mayonnaise if you can find it or favorite brand. Add sriracha (or any hot sauce you like) and worcestershire, and garlic powder to your taste.  

Our preparation is pretty specific, but you can modify to your heart's desire.  As always, be creative. 

Ingredients and instructions for two burgers:
  • 1 pound high quality 80/20 ground beef.  Divide into two, 1/2 pound portions of beef.  Flatten into 2 round patties about 1/2 inch thick.  Season on both sides with kosher salt and pepper.  I also like a bit of Lawry's seasoning mix as well.  Do not overwork the making of the patties and let the beef rest for a few minutes to incorporate the seasoning.
  • Slice up yellow onions (thin) and mushrooms. In a separate pan from the burgers (non-stick preferred) put a tablespoon of olive oil in and begin to sweat the onions. Cook on low heat until carmelized and add the mushrooms near the end to soften and incorporate.  Keep warm.   Note: You can a mound of these and either keep in the refrigerator or freeze for later use.
  • Back to the burgers!  Heat a cast iron pan until hot (if you do not have a cast iron pan, time to buy one.  Otherwise you can always use your favorite pan) and place the burgers gently in the pan. 
  • We like our burgers medium rare, especially for quality beef--but whatever suits your taste.  Cook for long enough that when you check by peeking at the bottom, it is forming a nice crust (and why we use cast iron).  The burger should be flipped carefully I use a thin spatula (that I use for fish) to get under the burger easily.  Once flipped I like to add a pat of butter to baste the burger adding another layer of flavor as I would a steak.  If you use a thermometer, the burger is done when it hits 135 degrees. (If you cook it longer that is, of course, up to you--but good beef is better at medium rare or medium with a pink middle).
  • About a minute prior to being cooked to medium-rare, add two slices of cheese overlapping each other (for presentation!).  Vermont cheddar is ideal, but any sharp cheese is preferred.
  • While you are cooking the burger, toast the bun.  Liberally apply soft butter to the sliced bun and toast to medium.  
  • Place the bun on a plate and immediately place the burger on the bun.  Slather the burger with your pesto mayo (to your desired amount) and top with the warm onions and mushroom combo. 
  • Eat as soon as you can! 
Sides are always preferred.  Fries or onion rings are awesome, but not always easy to do at home.  Here is simple but quite tasty recipe for Oven Baked Fries.
  • Take 4 large russet potatoes and microwave for 8 minutes or until soft. Allow to cool.  Heat the oven to 475 degrees.
  • Slice the potatoes into wedges (usually around eight for each potato)
  • Spray the potatoes with olive oil spray and season with a combination of red pepper, kosher salt, and black pepper.  
  • Spread the potatoes out on a baking sheet and place in the oven.
  • With tongs, carefully flip the potatoes after 8 to 10 mintues. They should crisp up nicely in about 15-20 minutes total, but keep an eye on them. 
  • Very delicious--even more so if you dip them in the Pesto Mayo!
Enjoy!
If you have questions please contact: 
info@litchfieldins.com
or call (951) 769-0005
Copyright © 2023 Litchfield Insurance Associates Inc., All rights reserved.


Want to change how you receive these emails?
You can update your preferences or unsubscribe from this list.

 
Twitter
Facebook
Website