(585) 227.1180(585) 889.4080

www.DiRaddoAgencies.com

Rochester and Chili

LADIES FIRST: WHY WOMEN NEED TO REASSESS THEIR RETIREMENT PLAN ASAP

COULD

MONEY RUIN YOUR RELATIONSHIP? LOVE, ACTUALLY

DON’T MISS THIS:

LIVE WELL AND THRIVE

FEBRUARY 2015

RONALD MCDONALD HOUSE - ROCHESTER

GETTING HEART-HEALTHY... TOGETHER

@DiRaddoAgencies

www.facebook.com/DiRaddoAgency?ref=hl

by Laurie Hoyt

What a Treat

Oh, what sweet perfect madness this is! Two delicious things combined into one wonderful collaboration of epic proportions…While these little pieces of heaven may take some

time, they are absolutely worth it, and only 191 calories each!

As part of our mission to ‘Live Well and Thrive’, we feel seizing the most love-filled month of the year is our job. So, for those who see the typical Valentine’s Day hype as another (but not the only) opportunity to show love and affection, we are right there with you! From baking the pinkest and most delicious cinnamon rolls ever invented, to enjoying a healthy dinner with your loved ones, we hope you can experience the beauty of it all... But if this all sounds like a commercial cliché to you, then we encourage you to show you don’t need a holiday to love and care - pull up your sleeves and help us care for our community all month and beyond, shall we? Either way, have a LOVELY February!

From your friends at

The DiRaddo Agencies

Lovely & SkinnyRed Velvet Cinnamon Rolls

Dough:> 1 1/4 C. Hot Water> 1/2 Tsp. Vanilla Extract> 1/4 Tsp. Red Food Coloring> 1 1/4 C. Red Velvet Cake Mix> 1 1/4 C. Bread Flour> 1 1/4 C. Whole Wheat White Flour> 1/2 Tbsp. Dark Cocoa Powder> 2 1/4 Tsp. Active Dry Yeast or Bread MachineYeast> 1/2 Tsp. SaltFilling:> 1/4 C. Light Butter, Softened> 1/4 C. Light Brown Sugar> 1/4 C. Sweetener Velvet Cake Mix> 1/2 Tbsp. Dark Cocoa PowderDrizzle:> 3/4 C. Powdered Sugar> 1 Oz. Cream Cheese, Softened> 1/4 Tsp. Vanilla> 1 Tsp - 1 Tbsp. Fat Free Mil

DIRECTIONS:COMBINE the hot water and yeast into a bowl and allow the yeast to activate and foam up. Once active, combine the remaining ingredients in the bowl of a stand mixer. SPRAY a large bowl with non-stick cooking spray and place dough inside. Cover with plastic wrap and let it sit for 1hr until doubled in size. Once the dough rises, punch it down and allow to rise for another

hour.LIGHTLY spray the insides of 2 rounded 8” cake pans with non-stick baking spray.SET butter and cream cheese out to soften and mix the dry ingredients for the filling. Set aside.REMOVE the dough to a floured surface and roll out into a rectangle, then spread the butter over it.SPRINKLE the filling mixture and roll it all up into a tight, long, skinny log, then cut into 16 pieces.PLACE the pieces into the cake pans; cover with plastic wrap, and let it rise for 30 min.PREHEAT oven to 350 F. REMOVE plastic wrap and bake rolls for 15-20 minutes. In the meantime, combine the drizzle ingredients in a bowl and whisk together until smooth.REMOVE the cinnamon rolls from the oven and allow to cool slightly before drizzling the frosting over the top.

Serve warm and enjoy!

CONTENTSOur Hometown

Try These BusinessesConcierge Program07Could Money Ruin

Your Relationship?Protect & Guard

04

Ladies First: Why Women Need to Reassess Their Retirement Plan ASAPTrusted Advisor’s Corner

05

Lovely & Skinny Red Velvet Cinnamon RollsWhat a Treat

02Getting Heart-Healthy... TogetherIt’s Your Health

05

Local EventsYour Hometown Billboard04

Zoo Offers Spurned Lovers Cockroach, Scorpions AdoptionStrange News

07

03 Ronald McDonald House - RochesterAgents of Change

2

The Ronald McDonald House is a “home away from

home” for families with seriously ill children. They provide

housing for these families so they can stay close by their

hospitalized child at little or no cost.

Requested Items: Paper Towels, Kleenex

and Snack Food. Please drop off these items at our

Rochester location: 1100 Long Pond Rd, Suite 119,

Rochester, NY 14626

House Wish ListClick Here & Join Us!

www.diraddoagencies.com//community-cause

They believe that families are stronger when they are together, and their presence helps a sick child heal faster and cope better. Last year, Ronald McDonald House Charities of Rochester, NY, supported more than 900 families and children, all because donations of their donors and volunteers. Our agency wants to help support these families by collecting essential living items.

We want to also let you know that as active Agents of Change we are committed to keeping our community members in good hands. Every 60 days we will elect a new worthy cause to support, and would love for you to join us!

And if you know of someone who could use help, please visit the link below to enter their information. We will review the details and get in touch with them as soon as possible:

Who

More

What

Mark DiRaddo

Agents of Change!

www.diraddoagencies.com//Add-Community-Cause_56

RONALD MCDONALD HOUSE - ROCHESTER

Families with Seriously Ill Children

by You and The DiRaddo Agencies

Our Goal

Keep the donations coming towards our Ronald McDonald

House collection drive! These families of seriously ill

children need our support.

REFER A FRIEND TO OUR AGENCY AND WE WILL DONATE $10, ON YOUR BEHALF, TO OUR CAUSE.

Thanks Donors

3

Unfortunately, studies show the answer is yes - money can and does ruin many rela-tionships, every day . When it comes to find-ing your soul mate, it is crucial to ensure you have also found your financial mate. While money isn’t the most romantic sub-ject to broach, experts recommend couples start talking about finances right before

moving in together or getting engaged, to avoid any major prob-lems down the road.

According to research from Jeffrey Dew, at Utah State University, arguments over finances are a prime risk factor for divorce. The 5 most common arguments couples reported were: chores, spend-ing time together, sex, money and in-laws. Dew found that across all income levels and both genders, money was the most-cited issue when things got (negatively) heated.And it’s not just lack of funds that causes couples to fight. Con-flicting money management styles and personalities are the real friction causers, and most financial arguments tend to bring a plethora of underlying issues into a hostile context.

When couples are constantly fighting over the same topics, there is usually something deeper going on than who spent what. For instance, a spouse constantly overspending might be seek-

ing more attention, or a person being restrictive over spending might be feeling insecure. What’s more, money has a ten-dency to extravagate any tensions already in a re-lationship and that’s why it’s easier for more afflu-ent couples to gloss over problems.

To avoid the risk of hav-ing money issues ruin your relationship, ex-perts suggest:Talking About It. We all equate different values and meaning to mon-ey, and in order to be successful financial partners, couples need to be frank about their views and current financial standings.Setting Priorities Together. Creating a budget together and establish-ing savings goals that take into account both individuals’ financial per-sonalities will increase the chance of success. Negotiating. Experts say money savers and spenders can have long, happy marriages if they remain respectful and supportive of the oth-er’s money values. Coming up with a compromise is key.

FEBWinterFest promotes wintertime

activities for all ages while raising awareness and funds for

area nonprofit organizations.

FEB 13The Genius: An Inspirational

Exhibition at Rochester Museum & Science Center -

FEB 13 - MAY 17

FEB 19The 7th Annual Social ICE

downtown Rochester at Peace Plaza - 3 Day Event from

4pm-10pm

Tank - Rochester Auditorium Theatre -

Rochester - 8pm

FEB 14

Celebrating Black History Month!

FEB

FEB 7Stephane Wrembel

- Loving Cup at 5 PM and 9 PM

FEB 14HAPPY VALENTINE’S DAY!!!FEB 16

Presidents Day!

Protect & Guard Could Money Ruin Your Relationship?

Rochester and Chili Events Board

by Elaine Bagne

by Louie, Office Mascot

4

* Take advantage of unexpected money: If you receive a significant influx in funds, such as a lump-sum bonus, insurance payout, tax refund, divorce settlement or inheritance, avoid the lure of spending frivolously and think about the long-term. If you are willing to assume the risk, consider investing some, or even all of the funds.

* Try not to sacrifice growth for safety: Guard against being too passive in your approach to retirement investing. Be strategic by increasing your level of involvement and make investment decisions based on your retirement liquidity needs and risk tolerance, which is essential to building a robust portfolio.

* Take care of your health now: Practicing preventive healthcare can make an impact on your bottom line by lowering healthcare costs and allowing you to contribute more to your long-term future. It can also help cut costs during retirement and will hopefully lead to a longer and healthier life, too.

* Consider waiting to collect Social Security: While everyone’s situation is different, if you can delay retirement, you may be able to reap significant rewards. By working longer or using income from other sources first, your Social Security benefit grows 8 percent each year until you reach age 70 in the current market.

The bottom line is: while both men and women should invest as much as they can, as early as they can, women face some different realities, and they should stay mindful of them.

to practice your skills or learn a new technique.5. Prepare a romantic candlelit dinner at home using one of our heart-healthy recipes.6. Spice it up – try cooking with healthier seasonings and avoid prepackaged mixes that maycontain a lot of salt. Instead, add some spice with some fresh hot peppers. 7. Still craving something sweet? Send or share a fruit basket with your loved one that has natural sugar as well as healthy nutrients instead of sending sweets with processed sugars.8. Sharing is caring – if you do go out for a romantic dinner date, order one entrée to share. Many restaurant servings are enough for two – splitting will keep you from overdoing it.9. Take it slow – if you were gifted a luxurious box of chocolates from your sweetie stick it in the fridge or freezer and enjoy in moderation over several weeks.10. Give to one another by giving back. Ask a date to volunteer with you at a local charity. Giving back is a healthy habit that will boost your mood and beat stress.

We compiled some tips from The American Heart Association, because we know your sweetheart may have the key to your heart, but a proper diet and regular physical activity are the key to a healthy heart. So, this Valentine’s Day, indulge your sweetheart with a heart-healthy gift or date:

1. Rather than tempting your beloved with chocolates, consider a gift that has more permanence. Search for a poem that describes your feelings and write it on beautiful paper for a handmade Valentine.

2. One of the best things you can do for your heart is to give up smoking or help a loved one quit. Smoking is the most preventable cause of premature death.3. Quality time is one of the most meaningful gifts. Bundle up and plan an active outing such as ice skating or, if you’re feeling adventurous, visit an indoor rock wall!4. Cooking at home is an excellent way to control the quality and amounts of what you eat. Take your date to a local cooking class

It’s a healthy practice to reevaluate your retirement plan as you grow in your career or go through life changes. And ladies should be the first to secure a realistic reassessment. Why? Men and

women are not created equal; and neither is their retirement plan. Many tend to discard differences such as longer life spans, as well as unique career patterns. A husband and a wife of the same age, earning the same salary and looking to retire during the same year need to account for different factors. This is true even if they share a household, hold joint responsibility for their finances and equally contribute to the amount of incoming funds.

According to a recent Merrill Edge Report, nearly six in 10 women fear not having enough money throughout retirement, and their amounts are notably higher than their male counterparts. It is important that both women and men recognize the retirement landscape is changing, and proactively address the factors and situations that are personally unique to them to help ensure a financially secure retirement.

So what can women do to better prepare? How can they plan to address these factors and live comfortably in retirement? Here are a few important tips:

* Start now to maximize contributions: Save and invest as soon as you can through your employer-sponsored retirement plan, such as a 401(k) or 403(b) account, or set up an automatic transfer from your bank or brokerage account into your personal IRA, Simplified Employee Pension (SEP-IRA) or SIMPLE IRA. Whatever options you choose, aim to increase and diversify your contributions as frequently as possible. But, remember that diversification does not ensure a profit or protect against loss in declining markets.

by Reagan BurkeIt’s Your Health Getting Heart-Healthy... Together

Trusted Advisor’s Corner Ladies First: Why Women Need to Reassess Their Retirement Plan ASAPby Nicole DiRaddo

MarkDiRaddo@allstate.com

DiRaddo Concierge Program... Try These Businesses!

Think of us not only as a resource for all of your insurance and financial services, but also as a field guide through the maze of local businesses that we love. We are constantly expanding our Concierge Program and we look forward to hearing about any suggestions you might have. Feel free to email us at

Try These Local Businesses!

The San Francisco Zoo is giving the spurned and broken-hearted a new reason to mark Valentine’s Day - the chance to adopt a giant scorpion or hissing cockroach named after a heart-trampling ex.

For those suffering the sting of rejection, the zoo rec-ommends the giant hairy scorpion.

“Just like you-know-who, when a suitable victim wanders by, the scorpion grabs the doomed crea-

Strange News Zoo Offers Spurned Lovers Cockroach, Scorpion Adoptions

ture with its pinchers and stings the prey,” the zoo said.

For those feeling especially wronged, the zoo also gives the option of having a notification sent to the person behind the heartbreak.

Naming rights start at $25, and the spite money goes to a good cause, the zoo said. In both cases, the donations will be used to support research and conservation efforts.

by Reuters

7

1. EMAIL A FRIEND’S CONTACT INFO TOMarkDiRaddo@allstate.com

3. VIST www.diraddoagencies.com/Referral-Program_55

© 2014 The DiRaddo Agencies - All Rights Reserved

How?

2. CALL US AT585.227.1180 or 585.889.4080

Program Rules: - There is no limit to the number of chances you can create for yourself. Odds of winning are entirely dependent on the quantity of qualified chances created during the contest period.- This contest and the rewards provided are open to any human being on the planet who refers a prospect to our agency. You do NOT have to be a client to receive your free gift card or to be entered for a chance to win monthly or yearly prizes. - The prospects referred do NOT have to become our client for the referring party to receive any of the rewards and/or chances in this program.- We are not responsible if the law says you cannot win due to age or for any other reason.

Referring just 1 friend will get you...

Winner!

$10 Gift Card for you, or

Don’t Keep Us A Secret Send Us a Referral :)

+ 1 entry for a $50 Gift Card monthly drawing

+ 1 entry for yearly drawing!

$10 Donation to charity

THANKYOU!