Senior woman with family celebrating christmas with sparklers at home
December 7, 2023
Written By:
Brian Goldman
Retirement Specialist, Financial Adviser

December 2023 Newsletter

WELCOME DECEMBER! HAPPY HOLIDAYS TO YOU AND YOURS. On behalf of all of us at American Senior Benefits, Happy Holidays and enjoy a great 2024! Enjoy this month's newsletter which includes tips for winter safety, how to stay fit during the Holidays, and as always, a delicious recipe.

"Green" Gifts

For many of us it can be a challenge to find just the right holiday gift for a younger person. What's in? What's out? It can be hard to keep up.

One type of gift is almost always well received ... a financial gift.

Gifts that might have appeal can include "529" education fund contributions, Roth IRAs, fractional stock shares (less cost than full shares), and savings bonds.

Cash may not be extremely personal, but it's likely to be a welcome choice for the younger folks, as it would help with paying down bills.

You should always turn off the heater when leaving a room or sleeping!

Staying Warm ... and Safe

When the winter winds blow, home heating bills can skyrocket.

That's when many people, including seniors, turn to portable space heaters to augment their heating.

While this can work well most of the time, there are risks to be aware of ...

  • Space heaters are responsible for 1,700 house fires a year, on average, according to the Consumer Product Safety Commission. Reports say fires started by portable space heaters result in about 80 deaths annually.
  • Some safety precautions include the following (Electrical Safety Foundation):
  • Never leave a space heater unattended.
  • Never plug a space heater into an extension cord.
  • Keep space heaters on level, flat surfaces on the ground.
  • Never use a space heater with a damaged cord.

What Happens to Your Universal Life Premiums?

When you make a premium payment, a portion goes toward the cost of insurance, such as administrative fees and the death benefit. The rest becomes part of the cash value.

Contact me for more information on Universal Life insurance.


Do your best to stay physically active during the Holidays!

Making Winter Less SAD

When a dark, gloomy winter settles in, do you feel especially sad and depressed - even as holiday festivities go on all around?

It could be Seasonal Affective Disorder (SAD), a condition related to the change of season. Millions of people experience SAD (American Psychiatric Association).

December is Seasonal Affective Disorder Awareness Month, a time to get the word out on how SAD affects so many of us.

Tips for dealing with SAD include (Erika's Lighthouse):

  • Take walks outside whenever possible.
  • Use a "light therapy box" to mimic outdoor light.
  • Increase the amount of natural light in your home or office.
  • Exercise regularly.
  • Tell your doctor how you feel

Staying Fit During the Holidays.

One aspect of your life that may suffer during the holidays is your fitness.

During a hectic season, who has time for the gym?

But here are ways to continue your fitness and good health during the holidays. You can make an exercise schedule and keep to it. Plan rest time. Eat rich food only in moderation. And stay hydrated.

Senior Financial Glossary

Valuable Papers Insurance. This is a special type of property-casualty insurance. Valuable papers insurance reimburses the policyholder for the monetary value of any valuable papers (wills, for instance).

What Is a Validation Code? A Validation Code is a series of three or four numbers located on the front or back of a credit card. It’s used for security purposes.

VA Loans. Acquired through the Department of Veterans Affairs, members, and their surviving spouses can purchase homes with little or no down payment.

A Variable Annuity is an annuity that varies based on the performance of an underlying portfolio of “sub accounts.”

SOURCE: Investopedia

Good Taste, Good Health

Chocolate Peanut Butter Pie

Chocolate Peanut Butter Pie

This eye-pleasing and elegant dessert will impress all of your holiday guests. Serve small slices - the pie is deliciously rich!


  • 25 whole chocolate sandwich cookies
  • 4 tbsp melted butter
  • 1 cup creamy peanut butter
  • 1 8-oz package cream cheese, softened
  • 1¼ cup powdered sugar
  • 1 8-oz container whipped topping


For the crust: Preheat oven to 350°. Crush cookies into fine crumbs. Combine with melted butter. Press into a pie pan. Bake 5-7 min until set. Remove from oven and cool completely.

For filling: Beat peanut butter with cream cheese until smooth. Add powdered sugar and beat until smooth. Add thawed, whipped topping and beat until smooth. Pour the filling into cooled pie crust. Spread to even out. Refrigerate for at least one hour.

SOURCE: Gathering Dreams


On December 1, 1990, England was connected to mainland Europe for the first time since the Ice Age as engineers digging a railway tunnel under the English Channel broke through the last rock layer.

The AFL-CIO was founded on December 5, 1955, after two separate labor organizations joined together.

On December 10, 1898, the Treaty of Paris was signed between American and Spanish representatives following Spain's defeat in the Spanish-American War.

European Union leaders announced on December 15, 1995, that their new currency would be the Euro.

CELEBRITY BIRTHDAYS: Jay-Z (December 4), Rita Moreno (11), Brad Pitt (18), Ray Romano (21)

SOURCE: Famous Birthdays

Quote of the Month
“I've got to admit it's getting better. It's a little better all the time.”
- Paul McCartney

View Last Month's answers

SOURCE: BrainyQuote©

For information about Medicare or Claiming Social Security, please visit Should you have any questions, please email me at or call 412-897-0760.

Brian Goldman
Retirement Specialist, Financial Adviser