Perspectives Monthly Lifestyle eNewsletter for November, 2016


Michael Fassi CLU, ChFC presents:

To get rid of odors in your garbage
disposal, try freezing vinegar in an ice cube tray. Once frozen, grind
the cubes in your disposal. When finished, flush with cold water.


“Those people who think they know
everything are a great annoyance to those of us who do.”




Many households go without disability
insurance. They may be taking a big risk, because the chance of a
20-year-old becoming disabled before retirement age is…


A: 10%
B: 15%
C: 20%
D: 25%


November, 2016

Would Uncle Sam Really ‘Robocall’ You?
Scam artists might – and 2016 gave them a new tactic to use to try and rob you.


Good News: Wage Growth is Finally Outpacing Inflation
Seven years into the recovery, the development, which economists hoped to see, occurs.


Tips for Traveling When You Require a Special Diet
How can you effectively communicate your dietary needs?


Recipe of the Month Easy Honey Mustard Baked Chicken

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Would Uncle Sam Really ‘Robocall’ You?

As an informed consumer, you probably know that the federal government will never call you asking for money. If the IRS, or other federal agencies, want to contact you about any debts you owe, the first step will never be phone call. Third parties, however, can now do this.

The 2016 federal budget contained a rider that let debt collectors use robocalls to go after delinquent college loans and mortgages owed to or guaranteed by Fannie Mae and Freddie Mac. While this is all legal, it opened the door for a new scam.

In the last few years, criminals, claiming to be from the IRS, have called households to ask for immediate payment (via credit card or prepaid debit card) of back taxes. Now they are going after outstanding mortgage debt and student loans through the same scam, demanding quick, electronic payments.

If you doubt the legitimacy of such a call, there’s an easy way to test it: tell the caller you want to meet in person, at his or her office. Usually, that’s the end of the matter. Or, you could just hang up.1

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Good News: Wage Growth is Finally Outpacing Inflation

In October, the Department of Labor announced that average hourly earnings had risen 2.6% over  the past 12 months.

In the first half of the decade, annualized wage growth was stuck at around 2%, merely keeping pace with core consumer inflation. Only in 2015 did wages finally start to outrun the growth in core consumer prices.

What are the primary factors driving wages up? For one, job switching. In a good economy, leaving one job for another often leads to a larger salary – this spring, Federal Reserve Bank of Atlanta research showed a better than 4% pay bump for the average U.S. job changer.

Another factor driving wage growth is competition for jobs. All year, small firms have reported difficulty in filling open positions, a condition that promotes higher pay. Earlier in 2016, a National Federation of Independent Business survey showed nearly 30% of small businesses were having trouble hiring, compared to just 12% back in 2011.2,3

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Tips for Traveling When You Require a Special Diet

If you have dietary restrictions or requirements, there are certain steps you can abide by when you go on an extended trip. If you are heading to a destination where English is not widely spoken, master a few key phrases in the nation’s language – or get a wallet card detailing your food restrictions from providers like Select Wisely or Allergy Translation.

Search engines (or websites like Gluten-Free Passport and Allergy Safe Travel) can help you scope out the right eateries ahead of time. If time and your lodgings allow, you could cook for yourself – and even if you can’t, you should take along your own snacks.

If you have food allergies and plan to head to a foreign land, contact your health insurance company to learn whether or not you will be covered outside the U.S., and how to arrange medical care, if needed. Stockpile needed medicines, and keep them in their original packaging in your carry-on bag. Request a prescription from your doctor to carry with you, in case you lose them. If you are flying, you can talk to customer service representatives of the particular airline at least 24 hours before your flight – the air carrier may be able to serve you a special meal with advance notice.4

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Recipe of the Month

Easy Honey Mustard
Baked Chicken

6 Chicken Breast Halves (Boneless)

1/2 Cup Honey

1/2 Cup Mustard (Prepared/Bottled)

1 tsp Butter

1 tsp Basil

1 tsp Dill

Sea Salt


Preheat oven to 365. Use butter to lightly grease a large glass baking pan (approximately 9″ x 13″); place the cleaned, trimmed chicken breasts in the pan; and lightly season with sea salt and pepper.

In a bowl, combine the mustard, honey, dill, and basil. Mix well, and pour 1/2 of the mixture over the tops of the chicken breasts (use spoon or baking brush to cover each breast).

Bake in your preheated oven for 25 minutes. Remove and CAREFULLY turn chicken breasts over, then brush them, covering with the remainder of the honey mustard mixture. Bake for an additional 15-20 minutes (making sure juices run clear
and chicken is no longer pink in center). Let cool 10 minutes before serving.


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Mike Fassi, CLU, CHFC is a Representative with Centaurus Financial Inc. and may be reached at Fassi Financial, 970-416-0088 or

Isaac Asimov

D. 25%, notes the
Social Security Administration. Disability insurance coverage can help a household replace some of the income lost if a disabling injury prevents a breadwinner from working.
SOURCE: [8/2/16]

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This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty.


1 – [1/5/16]

2 – [10/7/16]

3 – [7/6/16]

4 – [10/10/16]

5 – [8/2/16]

Article Name
Perspectives Monthly Lifestyle eNewsletter for November, 2016
Perspectives Monthly Lifestyle eNewsletter for November, 2016