, INC.
Fairview Office Plaza ♦ 2933 West Germantown Pike
Building 2 ♦ Suite 200 ♦ Eagleville, PA 19403
Office 610-275-7923 ♦ Fax 610-275-7925 ♦ www.yisonline.com
Oct./Nov./Dec.
2011 Issue
Welcome Memo
Page 1
YIS - (Young’s Insurance Services, Inc.)
Owners’ Thoughts
What’s New
Page 1
We MOVED locations!
Our ―YELLOW REVIEW SHEET‖
Take a look
Page 2
Ways to check if a diamond is authentic!
Announcements Page 2
In & Around the Office, Reminders,
Baby / Toddler Updates, Thank You List
Recipes
Page 3
Pumpkin Apple Streusel Muffins
Did you know?
Page 3
Interesting and fun facts / Household tips
Agents Corner
Page 3
Thoughts from a few of our agents
Riddle me this
Page 4
Things that make you go ―hmmm‖
YIS Contest
Page 4
Will you be next issue’s winner?
Thoughts
Page 4
Ponder these . . .
From the desk of . . .
Dan & Antoinette Young
A brief introduction ~ my husband
Dan and I are the owners of Young’s
Insurance Services, Inc. through whom
you purchased a health insurance product either from us or one of our helpful
agents. We would like to take a moment
to introduce this newsletter and welcome
all the new families to this complimentary
mailing we send out quarterly. Our
Brokerage Agency has been providing
health and life insurance options as well
as Medicare prescription plans and a
variety of other products for close to fifteen
years.
Thank you for your confidence in our
company, our agents and the products we
offer. We hope you enjoy this and all future
newsletters that we send out to keep in
touch with everyone. ~
************************************************
We hope this issue finds everyone wellrested and happy from the wonderful
Summer we just had. We have enjoyed the
time with our family and friends and hope
all of you have done the same!
Here at Young’s, we have been hard at
work. During the month of August, we
gradually moved office locations and that
was a bit crazy to say the least! We are still
fine tuning everything, but for the most part,
we are all settled in at our new location. It
looks and feels great and we are getting
ready for the upcoming season. Feel free
to stop in and visit if you are in the area!
The new building layout provides us with
much more space (all on one floor), handicapped accessibility and easier visibility (it
sits right on Germantown Pike in Eagleville). It has been an all around good move.
We also want to let you know that the
office has a new phone system. It is a
VOIP (voice over the internet) program. It
has been a real challenge learning to
properly use all the available options, so
please be patient with us. The new system,
while complicated to learn, has provided
many more options to assist us and we
look forward to working out the kinks. Due
to storms that may hit our area, however,
we want to let you know that the power,
internet or phones might get knocked out.
So, when you call, if there is not an option
to leave a message OR a call is not returned to you within 48 hours after contacting us - PLEASE call us back!
What’s New
WE’VE MOVED OFFICE LOCATIONS!
As of September 1st, we completely
settled into our new, beautiful office and
began our preparation for the upcoming
months! As a reminder, the address of
our new office is:
Young’s Insurance Services, Inc.
Fairview Office Plaza
2933 West Germantown Pike
Building 2, Suite 200
Eagleville, PA 19403
PLEASE ALSO REMEMBER OUR
PHONE / FAX NUMBER WILL REMAIN
THE SAME!!!!
An aerial photo of the new location is
viewable under the "contact us" section of
our website. Check it out if you have the
time!
It will point out two entrances, one on
Germantown Pike and one on Windy Hill
Road just off Germantown Pike. If you are
coming in from the Germantown Pike
entrance, you will have to follow the road
around through the parking lot to the far
end to find our building. The most direct
route will be to enter off of Windy Hill
Road. Our entrance will be directly in front
of you to your right. We are very excited
about our move and encourage you to
stop by and visit! Please do not hesitate to
call with any questions and feel free to
contact us for directions. Thank you for
your patience and understanding during
the transition. We appreciate it and look
forward to assisting you!
Page 1
IT’S THAT TIME OF YEAR AGAIN!
Starting this year forward, the AEP
(Annual Election Period) will run from
OCTOBER 15th—DECEMBER 7th with
the effective date still January 1st.
Along with this quarter’s newsletter is
our Young’s Insurance Services, Inc.
complimentary YELLOW RX REVIEW
SHEET. This yellow sheet is also known
as the Medicare Part D Prescription
Annual Review sheet. Since drug plans,
premiums, co-pays and formularies
change each year from company to company, we offer this service to make sure
you are in the most cost effective plan for
your prescriptions. We have altered our
yellow review sheet this year so please
take the time to carefully read over all the
information and instructions on the front
of the yellow sheet before filling in the
reverse side. Also, be very careful while
filling in your information and prescriptions. Exact spelling, exact dosage, and
exactly how many times a day you are
prescribed to take a medication is crucial.
Without this precise information, we will
be unable to find the best results for you.
You can send your yellow review sheet
back to us as soon as possible, but
PLEASE TAKE NOTE that we will not be
able to start reviewing them until October
15th, because the new plans will not be
released until this date. This complimentary service is on a first come, first serve
basis though. Please give us a few weeks
after you send your sheet back AND the
Annual Election Period starts for us to get
back to you with the results.
We would also like to point out that
along with the yellow sheet this year, we
are sending you out a “Scope of Appointment” form. This form gives us permission to assist you in reviewing your
current plan and discuss options. Please
sign this and return it along with your
―Yellow Sheet‖ if you wish us to compare
plans! This is a Medicare requirement!
***********************************************
We also want to point out again, especially at this time of year, that your area is
being flooded with calls and post card
mailers from Banker’s, Humana, & Aetna.
These are SALES calls! They will usually
involve such comments as ―Medicare
Changes‖ or ―New Important Medicare
Rules‖. Again, these are just sales calls.
Any REAL MEDICARE information will
have the TRUE MEDICARE logo on it!
If you have any questions regarding your
coverage, simply call our office and we’ll
be glad to discuss any real Medicare
changes that could effect you. Remember
that we have a multitude of services,
companies and products that we now
offer, so if you are happy with our services and are in need of an additional
quote or comparison, please, call us first!
***********************************************
Take A Look
How to tell if a Diamond is Real
By: Stefanie Baldassano
Did you ever wonder if one of your diamonds or a diamond you have seen is
real or fake? Did you ever ponder how to
go about finding out? Many people
believe you must take it to an expert with
skilled tools to find out if a diamond is real
or fake. Actually, the truth is, it is easy to
recognize a real diamond from a fake one
on your own, even from your home, with
these few simple tricks.
One trick is to look at the diamond
closely. If you see gray reflections, the
diamond is more likely to be authentic
than if you can see all color reflections.
Also, real diamonds usually have very tiny
dark or black specks (natural inclusions).
If a stone has absolutely no specks even
under extreme magnification, on average
it is usually fake. True ―flawless‖ diamonds are rare and extremely expensive.
Another trick if you are considering the
purchase of a loose diamond, is to hold
the diamond over a piece of paper with
writing on it, a newspaper would be ideal.
If you can CLEARLY read the text, this is
usually a sign that the diamond is a fake.
Diamonds refract so much light that they
will not work as a magnifying glass and
you would see no lines, circles, or letters
through them. Other clear stones like
glass or crystal will clearly reveal print.
The quickest easiest way to verify if the
diamond is real or not is to directly
breathe on the diamond. If fog remains on
the diamond for a few seconds, this is a
sign that the diamond is not authentic.
Real diamonds cannot hold heat, and
therefore, the fog will disappear almost
IMMEDIATELY. You can also check by
simply placing the diamond in a cup of
water. If it sinks immediately, chances are
the diamond is real. If it is a fake however, it will float a while before fully sinking.
We found these tricks and thought they
were pretty interesting! Give it a try if you
have the chance and surprise your friends!
Of course a jeweler or certified gemologists can tell you for sure as well, but
what’s the fun in that if you can do it on
your own! :-)
*************************************************
Announcements
In and around the office . . .
Happy Birthday to you, Happy Birthday to
you, Happy Birthday Dear:
Nick Young, Agent—October 13th
Charlie Brady, Agent—November 18th
Happy Birthday to you!
~
We would like to welcome a new agent,
Edward Mitchell. He has already shared
his tech savvy abilities around the office,
and we look forward to the opportunity to
help him grow with us!
~
We would also like to welcome Alan
Saylor, our newest agent. He comes to us
with many years of experience in Aflac and
is also moving along nicely and looking
forward to jumping right in! We are excited
to have them both aboard!
Also, as we’ve mentioned, we are using a
different phone system at the new office
that allows everyone to have their own
extensions and voicemail boxes. Please
see below and look for your agent to keep
their extension on hand for the future. Rest
assured however, a live person will answer
from 9-5! The extensions are as follows:
Agents:
Dan Young
Antoinette Young
James Long
Rob Darnell
Nick Young
Charlie Brady
Pat Hickey
Sue Simon
Ed Mitchell
Alan Saylor
Office Staff:
Sandy Young
Sarah Sibel
Stefanie Baldassano
Ext: 104
Ext: 105
Ext: 106
Ext: 108
Ext: 103
Ext: 107
Ext: 117
Ext: 116
Ext: 110
Ext: 118
Ext: 100
Ext: 101
Ext: 102
Just a reminder, please call to notify our
office with an address / phone # change, or
if you wish to make any changes directly
affecting your policy. Also, in the event of
someone’s passing, contact our office and
cont. Pg 3 Page 2
provide a death certificate to stop the
policy and have any monies due refunded.
************************************************
Baby / Toddler Updates!
Jake Ryan Update
From the owners Antoinette & Dan Young
Our youngest son, Jake Ryan (now 28
months old) is growing fast! He talks in
small sentences and has become the little
parrot in the house mimicking EVERYTHING we say! He is full of energy and
loves to see, hear and experience new
things. He eats chicken and broccoli like
crazy and drinks more water than a fish!
Jake really enjoyed swimming and playing
on swing sets this summer. He also had a
motorized car that he rode outside and
loved it! Ah, to be that free to play and
sleep with no worries! No matter what is
going on in our day, a little hug from him
shifts all our focus! :-)
************************************************
Gabrielle Update
From our agent Jim & his wife, Teri
Gabby is ―army-crawling‖ all over the
place and is getting pretty good at standing up on her own. We now have gates
and other safety devices installed all over
the house. Teri and I bought a harness
called a ―The Juppy Baby Walker‖ which
saves stress on our backs when assisting
Gabby to walk. How our lives have
changed this year!
************************************************
As always, we would like to take a
moment to SINCERELY THANK those
who gave our name out over the
past few months. Please forgive us if you
don’t see your name below, this isn’t a
complete list of everyone, however, the
heartfelt message is the same, thank you!
Betty Hampton, Bill Lorenz, Frances Kijack, Pat Carey, Ed Blankenhocken, Barbara Auslander, Janice Walfish, Kim
Brumbaugh, Gene Mastrangelo, Peg
Baumert, Pat Mckinley, Janet Martin,
Sandy Coots, Audrey Smith- Spence,
Stan & Hilda Richelson, Rick Heinz ,
Laura Entenman, Joan Archinal, RoseMary Crow, Barry & Kathleen Hollinger,
Kay Victoria, Cheryl Loper, Judith Hughes,
Lisa Zollo, Judith Levitan, Nancy Ritchie,
Maria Lombardo, John Rodgers, Lynne &
Keith Scammahorn, Alfred Scherzer, Jean
Huff, Joan Archinal and Protesto Sy.
Truly, again, THANK YOU ALL!!!!!
Recipes
Pumpkin Apple Streusel Muffins
Ingredients
2 1/2 cups all-purpose flour
2 cups white sugar
1 tablespoon pumpkin pie spice
1 teaspoon baking soda
1/2 teaspoon salt
2 eggs, lightly beaten
1 cup canned pumpkin puree
1/2 cup vegetable oil
2 cups peeled, cored and chopped apple
2 tablespoons all-purpose flour
1/4 cup white sugar
1/2 teaspoon ground cinnamon
4 teaspoons butter
Directions
Preheat oven to 350 degrees F
Lightly grease 18 muffin cups or use paper liners. In a large bowl, sift together 2
1/2 cups all-purpose flour, 2 cups sugar,
pumpkin pie spice, baking soda and salt.
In a separate bowl, mix together eggs,
pumpkin and oil. Add pumpkin mixture to
flour mixture; stirring just to moisten. Fold
in apples. Spoon batter into prepared
muffin cups. In a small bowl, mix together
2 tablespoons flour, 1/4 cup sugar and
1/2 teaspoon cinnamon. Cut in butter until
mixture resembles coarse crumbs. Sprinkle topping evenly over muffin batter.
Bake in preheated oven for 35 to 40
minutes, or until a toothpick inserted into
a muffin comes out clean.
***********************************************
Did you know . . .
*Recycling one glass jar saves enough
energy to watch TV for 3 hours.
*The original name of Bank of America
was Bank of Italy.
*Albert Einstein never knew how to drive
a car .
*The first Burger King was opened in
Miami, Florida in 1954.
Household Tips
*Use nail polish remover to remove tar or
grease from white leather shoes.
*To keep cat litter smelling fresh, mix
baby powder in with the litter, (NO HARM
TO CATS!)
***********************************************
Agents Corner
Pat Hickey - I would like to again thank
all of my clients for your continued
business and referrals throughout the
year. It truly means a lot that you value
my service.
Another prescription season is upon
us. It seems the older I get the quicker
time flies. With that, I would like to touch
upon something that happened personally to me this year. My father passed
away. He served our great country
during WWII as a Paratrooper.
Unfortunately, he came home a disabled
veteran. His illness this past year was
quite an eye opener for my family. The
cost of in home care was $300 a
day. Nursing facilities were $300 to $400
a day. It would have been financially
less burdensome on my mother, if they
had had Long Term Care Insurance to
help with the cost. This is just food for
thought. Please make sure you have a
plan in place. The earlier you plan the
better. Don't get caught without, because it can be financially devastating.
Remember that we are on a limited
timeframe to review your prescription
plan so, to all my clients, if you wish for
me to review your coverage, please fill
out and send back your ―Yellow Sheet‖.
Unfortunately, due to the volume of
people I assist, I won’t be able to call
each client to take a list of your medications nor will I be able to make house
calls to review these plans. Thank you
for your understanding and I look forward to assisting you!
**********************************************
Rob Darnell—
Hello Everyone,
Fresh back from vacation and I must
say, I love Arizona. There is so much to
see. The Petrified Forest, Meteor Crater,
Sedona, Tombstone and much more. I
miss it already. It was a bit hot but that is
fine with me. There’s nothing like the
Painted Desert!
The busy season is around the corner.
Remember to send in all your ―Yellow
Sheets‖ and ―Scope of Appointment‖
Forms. If you do not get one by the end
of October you need to call and let me
know. Please remember that I do not
call each client to review plans. If you
are my client and wish for me to do a
review, please send back your filled out
Yellow Sheet. If you are moving or have
moved, please make sure you note that
on the sheet!
(cont. pg4)
Page 3
, Inc.
Fairview Office Plaza
2933 W. Germantown Pk.
Building 2, Suite 200
Eagleville, PA 19403
Please take note of
our NEW ADDRESS!
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2
201 view S
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e R osed!
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Me
Riddle Me This . . .
1. He who has it doesn’t tell it, he who
takes it doesn’t know it, he who knows it
doesn’t want it. What is it?
2. What’s in seasons, seconds, centuries
and minutes, but not in decades, years or
days?
3. What can travel around the world while
staying in a corner?
YIS Contest
Anthony Scamuffa (Dan & Antoinette’s
client) of Coatesville, PA won last quarter’s YIS newsletter contest!
Congratulations!
The correct answers from last issue are
1) Franklin D. Roosevelt
2) Snow White & the Seven Dwarfs
3) Lucille Ball
4) ―Love Me Do‖
This issue’s Trivia questions are:
1.) Who won the first Super Bowl ever?
2.) What was the very first department
store to hold a Thanksgiving Parade?
3.) Which Christmas carol did Jimmy
Boyd make famous when he was just 12
years old?
Call, fax or send us your answers.
All correct answers will be put in a
drawing for a $25 gift certificate to one
of the following: Applebee’s, Olive
Garden, Red Lobster or Cracker
Barrel—winners choice!
Thoughts of
the day . . .
―Again and again, the impossible problem
is solved when we see that the problem is
only a tough decision waiting to be
made.‖- Robert H. Schuller
―Age is an issue of mind over matter. If
you don’t mind, it doesn’t matter.‖ - Mark
Twain
―And in the end, it’s not the years in your
life that count. It’s the life in your years.‖ –
Abraham Lincoln
―We can't help everyone, but everyone
can help someone.‖ - Ronald Reagan
We hope you enjoyed this issue! Have
fun with your family and friends and
enjoy all the upcoming holidays!
Riddle Answers:
1) Counterfeit Money
2) The letter ―N‖
3) A stamp
Rob Darnell—cont.
My niece and my Mom will once again be
helping me this season as there is so
much to do and I will certainly need the
help. Unfortunately, due to time, I will not
be able to make house calls to review an
existing client’s drug plan, it will have to
be done via phone. At least this year with
the AEP date change, I will be able to
celebrate Christmas!
Winter is approaching and the EAGLES
are almost here. Phillies are looking awesome too! Hope all of you have a great fall
and I will talk to you all soon.
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Page 4