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Your Monthly Newsletter

December 2010

In This Issue Trivia Question of the Month: The Real St. Nicholas Ron Dutton Video Testimonial: "He Worked For Me" Christmas Chuckles Christmas Coloring Holiday Traditions: Wacky to Wonderful CoventryOne Announces Changes Elaine's Recipe of the Month: Red Velvet Sandwich Cookies A Different Kind of Christmas Story Insurance Products Life Health Disability Senior Care Supplemental Trivia Question of the Month:   The Real St. Nicholas The real St. Nicholas was born in what modern day country? Israel Pakistan Iraq Russia Turkey Click here to see the answer!   Video: Testimonial: "He Worked For Me" "When I received the letter informing me that my health insurance premiums were going up almost $100 a month I contacted Ron.  He researched plans for me that would meet my budget yet provide me with the coverage I need.　 Not only did he find me a plan with a lower deductible than I had before, but it also provides me with better medical and drug co-payments and coverage and is a better monthly premium.　Ron made sure I had new insurance in place before I had to start paying the increase on my old plan; even keeping in touch with me when I was on vacation. 　 He really did "work for me" 　 Rosane Sandberg Lawrenceville, GA Christmas Chuckles I stopped making lists. Nothing is considered naughty anymore Christmas Coloring For a little extra holiday fun print out the images you find on this pdf download and see how festive they can become as you color them.

Merry Christmas Ron,  We, at Affordable Insurance Consultants, wish you a very joyful holiday!  May you thoroughly enjoy the holidays and end your year on a high note.  As you begin a new year, remember to protect those you love with adequate insurance.   Don't let a mishap put the wellbeing of your family or business in jeopardy.  Now is the time to take a fresh look at your coverages.     I have created a blog to allow you to ask questions or offer comments.  Please take a look at it.  You can also call me at any time with any questions or ideas.         Sincerely, Ron Dutton 678-464-8602                  Holiday Traditions: Wacky to Wonderful Married couples will often talk about the first holiday spent with in-laws, especially when they discover just how strange those in-laws' traditions can be. One family, for instance, holds a traditional "turkey stabbing" prior to slicing up the bird for consumption. This "stabbing" is accompanied by a scream from whomever is carving the turkey. Another very odd tradition in a very odd family has been traced back at least 50 years: family members pass pieces of a meat grinder around the family every Christmas. Each year, they wrap the pieces creatively, so no one knows what they're getting, and send it out to other family members to unwrap on Christmas Day. The following year, meat grinder recipients pass it along to someone else. At some point, a second meat grinder was purchased, torn apart and sent as gifts. Another family awards an annual "pig nose award" to the most piggish family member (the person who was the greediest). The award winner has to wear the pig nose while unwrapping at least one gift, and must have their picture taken. The winner gets to pick a winner the following year. Traditions sometimes begin because of a particular necessity and continue, even when conditions make the activity unnecessary. For example, one family lived in a room above a garage. The narrow stairs leading to their living quarters made it difficult to remove their Christmas tree so they shoved the tree out of a rather large window. When the family eventually moved to larger quarters, they continued the "tree shoving" tradition as a way of relieving holiday stress and a way of saying, "Ok, we're done with the holidays; time to move on." Through birth or marriage, we find ourselves involved in traditions that have sometimes lost meaning. Fortunately, we can create our own traditions to serve real needs. Many families have discovered the joy of feeding the homeless. Others perform holiday skits at nursing homes or children's hospitals. There is no shortage of need and traditions built around service to others can be the most heartwarming and rewarding of traditions. Take a look at your own family's traditions. Are there some wacky ones? Keep them going, but don't be afraid to add some that are wonderful. Copyright 2010, Charles Chamberlain CoventryOne Announces Changes  New family discount rates will reduce premiums Coventry has announced some exciting news about how they apply discounts to applications with three or more family members approved for coverage. Starting with January 1, 2011 effective dates: 5% discount for 3 members 15% discount for 4 to 5 members 20% discount for 6 or more members Prior to January 1, 2011 a 10% discount applied for 4 or more members.  All existing members will have this new family discount applied at their renewal in 2011. Reduced premiums on age 50+! Coventry has also announced more competitive rates in this age group. This will help reduce premiums for applicants 50 and over. 　 These changes may make CoventryOne a good option for many who are currently looking for health insurance. Call us at (678)464-8602 for more information.  Elaine's Recipe of the Month  Red Velvet Sandwich Cookies Ingredients: 1 1/3 cups all-purpose flour 2 tablespoons cocoa powder 1 teaspoon baking powder 1/4 teaspoon baking soda 1/2 teaspoon salt 1/4 cup butter, room temperature 1 cup sugar 2 eggs 2 tablespoons buttermilk 2 teaspoons apple cider vinegar 1 teaspoon vanilla extract 1 tablespoon red food coloring For the Cream Cheese Frosting: 1 pound cream cheese, softened 2 sticks butter, softened 1 teaspoon vanilla extract 4 cups powdered sugar 3/4 cup finely chopped pecans, optional Directions: Preheat oven to 375 degrees F. Mix together flour, cocoa powder, baking powder, baking soda and salt in a small bowl. Cream together the butter and sugar until light and fluffy, about 3 minutes.  Add the eggs 1 at a time.  Then beat in the buttermilk, vinegar, vanilla and red food coloring.  Once combined, add the dry ingredients to wet.  Mix until thoroughly combined. Onto a parchment lined sheet tray, drop batter using an ice cream scoop, forming 2-inch round circles. Bake for 10 minutes, until baked through.  Cookies should be cake-like and light.  Allow to cool for a few minutes on the baking sheet, then remove to a wire rack to cool completely. For the Cream Cheese Frosting: In a large mixing bowl, beat the cream cheese, butter, and vanilla together until smooth.  Add the sugar and on low speed, beat until incorporated.  Increase the speed to high and mix until very light and fluffy. Spread the cream cheese frosting between 2 cooled cookies and roll the edges in finely chopped pecans, if desired.   Enjoy! A Different Kind of Christmas Story A Tale We Can All Learn From: Ian came home from work late during the week before Christmas, tired and irritated, to find his 5-year old son waiting for him at the front door. "Daddy, may I ask you a question?" said Jack. "Yep sure, what it is?" replied Ian rather brusquely. "Daddy, how much do you earn in an hour?" "That's none of your business. Why do you ask such a thing?" Ian responded angrily. "I just need to know. Please tell me, how much do you make an hour?" pleaded Jack. "If you must know, Jack, I make $25 an hour," answered his father. "Oh," Jack replied, with his head down. "Daddy, may I please borrow $10?" added Jack nervously. Ian became furious, "If the only reason you asked that is so you can borrow some money to buy a silly toy for Christmas or some other nonsense, then you march yourself straight to your room and go to bed. Think about why you are being so selfish. I don't work hard every day for such childish frivolities." Jack quietly went to his room and shut the door. Ian sat down and started to get even angrier about Jack's questions. How dare he ask such questions only to get some money? After about an hour or so, Ian had calmed down, and started to think. Maybe there was something he really needed to buy with that $10.00 and he really didn't ask for money very often.  The man went to the door of his son's room and opened the door. "Are you asleep, son?" Ian asked quietly. "No daddy, I'm awake," replied Jack. "I've been thinking, maybe I was too hard on you earlier," said Ian. "It's been a long day and I took out my aggravation on you. Here's the $10.00 you asked for." Jack sat straight up, smiling. "Oh, thank you daddy," he cried. Then, reaching under his pillow he pulled out some crumpled up notes. Ian saw that the boy already had money, started to get angry again.  The little boy slowly counted out his money, and then looked up at his father with his large brown eyes. "Why do you want more money if you already have some?" Ian grumbled.  "Because I didn't have enough, but now I do," the little boy replied. "Daddy, I have $25 now. Can I buy an hour of your time? Please come home early on Christmas Eve so I can to have dinner with you." Ian was crushed. He put his arms around his little son, and he begged for his forgiveness. It's just a short reminder to all of us working so hard in life. We should not let time slip through our fingers without having spent some time with those who really matter to us, those close to our hearts. Do remember to share that $25 worth of your time with someone.                      Newsletter Produced by

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