Friday, October 17, 2014

Current Ebola Outbreak

Ebola is not transmitted through the air like the Flu virus. The Ebola virus is very weak outside of the host and dies quickly on surfaces. A bleach solution will kill the virus and so will soap and water. As with any other virus, Ebola can evolve by changing it's protein, thereby making the virus more virulent and highly transmittable. 

Should the Ebola virus mutate and becomes airborne like the Flu virus, a pandemic will likely occur.There is no vaccine to prevent Ebola.

You are more likely to get into a car accident on the way to the store than you are if sitting next an Ebola infected individual on an airplane.

At this point, the spread of Ebola is through direct contact with bodily fluids of an infected patient. Vomit, diarrhea, blood, urine carry the highest amount of the virus thereby making the fluids highly infectious. Reason said due to the large volume of fluids. Larger volumes house larger amounts of the virus.

So, what to do. Don't place your hands in vomit, diarrhea, blood, or urine then touch your eyes, nose, mouth or don't touch an open wound. Parents, tell your kids the same. Use a hand sanitizer after touching public surfaces. Thoroughly wash your hands with soap and water.

The more you know.

Good health,
Trisha M. Pacenti RN,BSN

Wednesday, October 8, 2014


What is an annuity? An annuity is an insurance contract that allows the owner to accumulate funds on a tax-deferred basis and take distribution when desired. The benefit of an annuity is that it provides income you cannot outlive. This is a simple way to distribute your estate directly to a beneficiary.

There are several types of annuities.
A flexible premium deferred annuity is one that accumulates tax-deferred earnings for your future at competitive interest rates. The flexible payment schedule allows for future contributions. FPDA can also be used to fund an IRA. The tax begins when you start withdrawing. Keep in mind, you will pay tax according to your age bracket.

Single premium deferred annuity is when you decide a one, three, or five year guarantee period will work best for you. Your account then locks in at the interest rate available for that guarantee period.
A SPDA is ideal for people with accumulated assets to invest. A SPDA is a one-time premium payment with a guaranteed interest rate. Tax is deferred until you begin withdrawals.

Single premium immediate annuity offers stable protection and provides immediate income. A SPIA is ideal for people wishing to liquidate accumulated assets, can be used for retirement and can provide payments covering two lives.

Whether you decide on a annuity or life insurance a licensed, experienced insurance representative is available for your financial planning needs.

To learn more, please visit

Start planning,

Trisha M. Pacenti RN,BSN