Free coffee!

Friends,

What’s the leading cause of dry skin?

Towels!

Last month, Clara G. won the free lunch because she was the 26th person to open

my newsletter. I wished more people could win. So this month the first 50 people

who email me back with their coffee preference of Dunkin’ or Starbucks will

receive a $10 gift card in the mail to your address I have on file of your preferred

place and win a free coffee on me. Thanks again for reading my newsletter!

What’s the best thing about Switzerland?

I don’t know, but their flag is a big plus!

It’s tax season and in Connecticut you have until Tuesday April 18, 2023 to file your return or a request for an extension this year. If you do need to file that is.

My accountant and wife are in cahoots and tell me that I need more expenses. I feel like each year I pay more in taxes and more to my accountant, but they say that as long as I keep growing my revenue it’s a good thing to pay more and spend more. I’m not sure I get that, but since my wife is a genius, I’ll listen.

Spring fever is upon us with the spring equinox on Monday, March 20 at 5:24 PM DST. But first we have to move the clocks ahead on March 12, 2023 at 2 AM. We close the month with my son Johnny’s 15th birthday, which seems like yesterday, and makes me think I can easily remain a Medicare agent for 15 more years as long as I have my health. Maybe Johnny will want to take over then?

How many of you were in or knew someone in the Boy Scouts?

I have some fond memories as a Scout and later as Scoutmaster. February reminds me of Valentine’s Day but also of the anniversary of the founding of the Boy Scouts on February 8, 1910. I’ll touch more on the virtues of Scouting later in this newsletter.

Also, if you wanted to and didn’t get a chance to change your Medicare Advantage plan during the Annual Enrollment Period (AEP) last fall, then I have good news for you.

What is a New Year's resolution?

Something that goes in one yEAR and out the other.

Friends,

If you didn’t get a chance to change your Medicare Advantage plan during the Annual Enrollment Period (AEP) last fall, then I have good news for you.

Amy: “Michael, please, can you show me a good time?”

Michael: “Look at this picture. Those people are having fun.”

Friends,

We tease because we love. I hope you enjoyed Thanksgiving and are getting ready to celebrate Christmas with your families.

If you still need help with Medicare for 2023, the Annual Election Period (AEP) runs through Wednesday December 7, 2022

Q: When did the duck wake up the morning after clocks were turned back?

A: At the quack of dawn.

P.S. We really needed the extra hour to come up with more daylight savings time jokes … Do you have any for me?

Question: What’s the best time on a clock?

Answer: 6:30. Hands Down

The Annual Election Period (AEP) is upon us from October 15 to December 7.

During this time you can changes plans for next year if you like. You will be getting a letter on blue paper from me to remind you of your choices.

I asked my son Johnny what his career goals might be now that he’s in high school. He said “I’m aspirin’ to be a pharmacist."

Friends,

September always reminds me of back to school. My son starts high school, my daughter is coming off her lead performance in the summer play and is ready to dominate her final year of middle school. I just hope I can keep up with them.

Where do Goldfish go on vacation?

Around the Globe!

Friends,

August is showtime for my daughter then vacation for the family. Frankie got the lead in the town performance of Frozen Jr., August 12 &13, and the next week we’re going to the Boardwalk in Wildwood, N.J. before getting ready to get back to school and work.

What’s the best way to remember your wife’s birthday?

Forget it once.

Friends,

Happy 246th Independence Day everyone! Celebrating America's declaring of independence from Great Britain in 1776.

July is a big month for my family. On July 5, I mark 38 years as a licensed insurance agent in Connecticut. I’m shooting to make another 12 years at least.

Amy: "Did you hear the rumor about butter?"

Michael: "Yes, and I'm not going to spread it."

Friends,

Today June 1, 2022 is my 15th wedding anniversary to my wife Amy. She is a genius and is the butter on my bread. We’re off to Newport, RI so I’ll keep this short. I’m also not taking calls today or tomorrow, but I’ll be back Friday.

Frankie : “Mom can I have $30 for rides at the carnival tonight?”

Amy : “Does it look like I’m made of money?”

Frankie : “Well isn’t that what M.O.M. Stands For?”

Friends,

Next Sunday May 8, 2022 is Mother’s Day in the USA. I wish all of you who are mothers a very special day. I have four personal shout-outs to recognize for Mother’s Day:

Friends, Whoever wins the Mega Millions jackpot will make history ...They'll be the first billionaire to pay taxes.

In Connecticut, the Federal tax filing deadline is Monday April 18, 2022. So I’m filing for an extension and taking our family to Kittery, Maine for a vacation since it's school break week. I’ll still return calls and emails so I’m still available to you as always.

Ever wonder why it is not April 15th this year?

Friends, What’s the difference between school and life? In school, you are taught a lesson and then given a test. In life, you are given a test that teaches you a lesson. -Tom Bodett. I’m originally from Stratford, CT and William Shakespeare was from Stratford, too... just not the same one. Later in this newsletter I will share some of his thoughts about life that I have been thinking about this year.

Friends, You know you’re old when you clean the house to the music you used to drink to. I can’t believe I’m 60 already. A special "thank you" to the 48 Medicare clients who have been with me for over 10 years now. I hope we can all make it for at least another 10 years. If you didn’t get a chance to change your Medicare Advantage plan during the Annual Enrollment Period (AEP) last fall, then I have good news for you.

Friends, If there was a pill to cure procrastination I’d probably take it tomorrow. If you didn’t get a chance to change your Medicare Advantage plan during the Annual Enrollment Period (AEP) last fall, then I have good news for you. The Medicare Open Enrollment Period (OEP) runs from January 1, 2022 to March 31, 2022. You can make one change during this time to a different Medicare Advantage plan or switch to Original Medicare with a stand-alone drug plan.

Friends, Do you know how a talking calculator works? The results speak for themselves. This week is the last week of AEP as it ends on December 7, 2021. So any changes to a drug plan or a Medicare Advantage plan needs to be done by next Tuesday, December 7. Medicare Supplements can be changed until the end of the year for January 1, 2022 effective date.

Friends, There is a fine line between a numerator and a denominator. It’s causing worldwide division. That's this month's joke for you. I have a lot of numbers for you in this newsletter. I'll do my best to explain them.

Welcome to Fall. The Annual Election Period runs from October 15 to December 7. During this time, Medicare beneficiaries can make plan changes that will become effective January 1, 2022.

I will be hosting seminars on Tuesdays at 11:30 AM at the Red Lobster in Bridgeport from October 19 to November 30 if you would like to come out and see me.