BILL’S PILLS of Wit, Wisdom & the Weird
Pills for a Chuckle and Financial Peace of Mind Through More Informed
Decisions on Insurance and All Money Matters with NO Fees to You!
By Bill Hoeltgen, CFP®
Volume 11, Issue 7
Happy Independence Day! As a nod to the holiday
I've included a patriotic story and trivia about the early
years of America. Also check out the space trivia for
our salute to the 45th anniversary of Apollo 11.
Zany Holidays!
July is
“Nectarine & Garlic Month”
July 17th to 23rd is
“National Zoo-Keeper Week"
And July 23rd is
“Hot Enough for Ya? Day”
Providence Prevails
The first battlefield victory of the American
Revolution was the result of planning, bravery and a
bit of luck. A spy had learned that Washington was
crossing the Delaware River to secretly attack Trenton
where the Hessian Loyalist forces were encamped.
This spy attempted to deliver the urgent news to
Colonel Rall, the Loyalist commander, but he had left
strict orders that no one disturb his drinking and card
game. The written warning was stuffed into the
colonel's pocket and forgotten. The patriot attack came
as a complete surprise, the Hessian army was captured
and the rest is . . . well, history!
Insurance Word of the Month
"Mortality Table" A table which mathematically
predicts the likelihood of death at any given age.
Be a Better Buyer!
The CSO mortality table (stands for "Commissioner's
Standard Ordinary Mortality Table) is a compilation of
decades of statistics on death and its causes. This table
is the basis for all longevity-related insurance products
(life insurance, long term care, annuity payouts). And
is approved by the National Association of Insurance
Commissioners. Although all insurance companies use
the same mortality figures, they do not apply the same
rates to those numbers.
Good news! Life insurance rates have dropped! The
most recent mortality table showed that people are
living longer, thus reducing premiums – but only on
policies purchased since the last table was issued.
Do think you are paying too much for your current life
insurance policy? It is possible you could pay less for
the same size policy or get or more insurance for the
same price. Replacing a life insurance policy is tricky
business. Definitely consult an honest professional
when considering ANY changes to a cash-value life
insurance contract. And NEVER cancel an existing
policy until the new one is issued and in your hands!
Freebie of the Month
The “Freebie of the Month” is called, "When Is It in
YOUR Best Interest to Replace a Life Insurance
Policy?" Replacing your life insurance may be either
a smart choice or a stupid decision. The problem is
knowing which is which. This report gives you basic
data to sort out the options. Then call me for a
professional opinion a quote.
Reprints are available by email or snail mail delivery.
Shopping for insurance? Call or email. No obligation,
No risk, just the prices and honest advice to consider.
Quote of the Month
“I would rather be exposed to the inconveniences
attending too much liberty than those attending
too small a degree of it."
Thomas Jefferson
Happy Birthday America!
 Independence had been declared on July 2nd. We
celebrate on the 4th because that is the date on the
Declaration of Independence.
 Thomas Jefferson described the White House as "a
great stone house, big enough for two emperors, one
pope and the grand lama in the bargain."
 At the Constitutional Convention, a member
proposed that "the standing army be restricted to no
more than 5,000 men." George Washington
remarked it was fine with him so long as the
convention agreed to an amendment prohibiting
armies from invading the United States with more
than 3,000 troops.
Testimonial of the Month
Heartfelt Thanks for Referrals!
Jay West said, “I want to thank you for staying
persistent and taking the time to provide the best
coverage for my situation. I already feel much
more secure and confident that I will receive great
customer service. I look forward to doing business
with your for a long time. Thank you Jeff!"
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Denver Insurance And Financial Planning
From the Random Fact File
Astronauts temporarily grow between 1 and 2
inches taller in space.
In an ancient Mexican temple, a meteorite was
found wrapped in mummy clothes.
Rainbows are donut-shaped when viewed from
above.
Since 1995, forty planets outside our solar system
have been discovered.
Earth's rotation is gradually slowing.
FREE MOTORCLUB??
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• Pay for service only when you use it
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Sign up (it’s FREE) and then program 1-800-ALSTATE into
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too. So that if you have an accident it will be easy for you
to find. Our number is 303-933-0023.
Click on link to review the great programs Allstate offers:
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Office 303-933-0023 24 hours a day
Toll-free 888-933-0023
Fax 303-971-0347
Cell 303-941-5292
Laura Askins, Vernon Reece, Richard Hall &
David Swindle II
The Space Age, 1880?
On July 20, 1966, Apollo 11 was the first space flight
to land on the moon; however, man's fascination with
space travel predates that historic event by decades.
Did you know these space terms predate the space age?
1880
1894
1924
1928
1934
astronaut
spaceship
space suit
rocket ship
star ship
1936
1937
1942
1954
space station
blastoff
spaceman
time warp
Bet You Didn't Know!
When Apollo 11 astronaut Buzz Aldrin joined Neal
Armstrong on the moon he had to be mindful not to
close the hatch behind him. Why? When designing
the lunar module, weight was extremely important, so
much so that the door handle was omitted. If Aldrin
had closed the hatch door upon exiting, both astronauts
may have been stranded on the moon!
Most Unusual Pudding Recipe
In 1974, the Welsh freighter, Cardiff, was carrying two
cargos: lumber and tapioca powder. When it was
about to dock, the lumber caught fire. The ships crew
brought the blaze under control and kept it confined to
the lumber hold. Unfortunately, the shore patrol
pumped in thousands of additional gallons of water
and the extra water seeped into the area where the
tapioca was stored. That gave them a new and bigger
problem; heat from the lumber fire cooked the tapioca
goo into pudding, several million gallons of it! It
expanded and threatened to burst the ship's hull. 500
dump trucks were required to relieve the ship of its
cargo, the biggest batch of tapioca pudding ever!
And In Closing...
Thank you for the opportunity to be your agent. I
appreciate your business and continued loyalty.
Bill Hoeltgen, CFP®
Certified Financial Planner™ Instructor
Denver Insurance And Financial Planning
© 2011. All rights reserved.
[email protected]
www.DIAFP.com
10184 W. Belleview Avenue., Suite 210
Littleton, CO 80127