frogThere are four frogs sitting on a log.  Three decide to jump in the river.  How many frogs remain upon the log?

You might answer one.  You’d be wrong.

Four frogs remain sitting on that log because while three of them “decided” to do it, they didn’t actually DO it.  Deciding you want to do something is not the same as doing it.  Action is the difference.

You may have talked about buying life insurance.  You may have played around with our online calculator gadget.  You may have had me work up some numbers for you.  You may have the VERY BEST intentions, but that’s not enough.  To really protect your family, you need to finalize it, wrap it up, finish it completely.

Make today the day.  Call me at 610-530-0304.  We can do it entirely by email nowadays; couldn’t be easier!  We’d love to see you put a checkmark beside this very important box on your “to do” list.  Email is donna@hosfeldinsurance.com



I fell in love with this puppy a few years ago.  I was visiting Animals In Distress of Coopersburg and we just connected.  Love at first sight?  Whatever.  You know adoration when you feel it.

“DC” was a little lump of love.  Surrendered by her owner, she was a bit older than some dogs at the shelter.  Sadly, I could not take her.  Sadly, no one else did either. So the kind folks at the shelter made her end years happy and as wonderful as they could.  She was a favorite of the “Monday Night Walkers” and because of places like this, she was able to receive the needed medical care at her end times, as well as a comforting and loving transition to the Rainbow Bridge.

Because of shelters like Animals In Distress, many animals like “DC” get a second chance.  A good number of them are adopted into their “furever” homes.  Others live out their time at the facility.  But it takes money.  Funded by donations, Animals In Distress has been one of the most successful long-term facilities in our area.  We’ve donated a few thousand dollars to them from our past fundraisers.

Now, we’re having another.  I found a line of clothing called LuLaRoe.  Saw it on Facebook and got curious.  I met with Stephanie Kirkpatrick who showed me the line and I was instantly impressed with how soft and cuddly it was (just like “DC”) and that it was an easy care product with a reasonable price point.  After buying a few pieces for myself, I decided to do this mini-fundraiser at the Chixnest.  We are going to donate $1-3 for each piece sold during our Chixwear Party Week. Stephanie will do the same.  And Stephanie’s supplier, LLR, will match her donation, too! We have a “triple shot” of funds that will flow from the online sales 4/11/16 3pm to 4/13/16 3pm (via our special sales site) as well as our LIVE party on 4/8/16 from 5:30-7:30pm.

So if you like soft and cuddly clothes (kids stuff, women’s and men’s T’s, some dresses, skirts, and more) or you feel you’d like to make an impact toward this awesome organization, buy buy buy!  Do it online.  Or come to the party!

To buy online and learn more, please join our Facebook page.  https://www.facebook.com/groups/1532868853674680

Questions?  610-530-0304



funeralWow.  What a sobering way to start an upbeat, happy E-newsletter.

Well, it’s something that weighed heavily on my heart this month, with all the recent teen deaths that have occurred in our Lehigh Valley.  Most people don’t think they’ll need money for “this stuff” until they’re 80+, but obviously that isn’t true.

A very modest funeral can run about $10,000.  Honestly, not everyone has that kind of money laying around.  And not everyone is comfortable with the idea of setting up a “GoFundMe” account for something so personal.  What happens? Well, people end up getting a loan from a bank or borrowing from a family member in order to make it happen. At a time when they are lost and not up for additional stress, they are forced to make decisions that are more easily made when things are calm and stable.

Is there an easier, better way?  Yes.Secure proper life insurance ahead of time.  On everyone. Yes, even the kids. Guess what…for them, it’s DIRT cheap.  No one wants to ever think about having to use it. We know. But having it when you need it is a true blessing. It is a headache and a heartache that are somehow lessened because you don’t have to ask, beg or fill out forms at a time when you simply cannot even function.

Don’t let this be a burden to those who are left behind. Make a call today. Let us show you how affordable it can be. If you want $10,000 or several million, we will provide illustrations with payment options that fit you. We promise not to push “10x” your salary or any amount higher than what you need. We’ll be sensitive to what you can afford and what your comfort level is in regard to the situation.

For you, your family…it’s a gift. Let us show you how easy it can be. And then, you’ll never need to think about it again. It’ll be done. One more check completed on your checklist.

PA RESIDENTS ONLY, 610-530-0304


Maybe.  Maybe not.

How do you KNOW for sure?  When you craft a policy for yourself online, are you certain you understand every piece of what you’re buying?  Don’t ever compare policies based solely on cost.  Base your choice on value.

And most important, let a qualified, licensed professional help you do it.  Too often we hear about folks who “thought” they had coverage for a particular event, but did not. Just got off the phone with an insurance colleague as we discussed a person whose car was damaged by a fallen tree.  They thought they were covered, but they were not.

Guessing is lots of fun at the county fair.  But with the insurance that covers your home, cars or business…don’t guess.  Be sure.

Please call us to review your policy.  We love to explain and advise. That’s why we got into this business. Never a charge for us to review what you have and make smart recommendations for what you need!  610-530-0304 (PA RESIDENTS ONLY)

jonasWinter Storm Jonas is on it’s way.  You could have a claim.  You could lose power.  You should print this info so you have it handy.  You may also want to collect a list of contractors, tree guys, or other folks whose numbers may not be readily accessible if power or connectivity is lost.

It’s a weekend.  Some folks work.  Some do not.  If you have NO NECESSARY reason to be on the roads, STAY HOME.  Emergency responders and road crews will say THANK YOU. This isn’t the time for an omelette at the diner or an extra jigsaw puzzle from the big box store.

Here are your links should you need them.


Erie Insurance
Call 1-800-367-3743 or online at www.erieinsurance.com
Just a windshield claim and nothing else? Call 1-800-552-3743


Call 1-800-527-3907 or online at www.foremost.com

Call 1-800-925-2886 or online at www.progressive.com


Our office number will be monitored, but keep in mind, if power or connectivity is lost, I may not be able to retrieve messages or answer “general” questions as promptly as you normally enjoy.  For that reason, the direct reporting numbers above should be kept handy.

crumbcakesMy mom had a few recipes that fit the category of true winners.  Most were made with a few very basic ingredients that she always had handy.  And all of them were delicious. Here’s my favorite.

Crumb Cakes        (preheat oven to 350 degrees)

3 cups flour

2 cups sugar

3 teaspoons baking powder

pinch of salt

1 stick of real butter (softened by sitting out awhile)

—————————-> mix that thoroughly, ok to use your hands, reserving a 1/2 cup of it for crumb topping

Now, add to your original mixture:

2 eggs

1 cup milk

—————————->mix that up with wooden spoon and pour into two previously greased/floured 8″ round pans.   Top with the crumb mixture and sprinkle with cinnamon.

Bake til golden brown!

*Yes, you can make into cupcakes or a sheet cake instead!  Tastes just as good!


Holiday Blues.

holidaybluesThis isn’t a blog about which holiday you celebrate.  For me, it’s Christmas.  For you, could be something else.

But the bottom line is that there are a few reasons why many of us experience a bit of the “blues” at this time of year.   And most of us flip flop up and down, depending on the day or the location.  Why does it happen?

  1. We have memories.  When we look back, we remember times with people who may no longer be in our lives.  We may have had family members who have passed or moved far away.  Things just aren’t the “way they used to be” and we can have a hard time with it.
  2. We compare.  Whether a close friend or a semi-stranger you know on Facebook  says they’re doing something exciting, traveling somewhere exotic, or receiving a gift of great delight…we compare it to our own lives. Inevitably we come up short.  We forget to count our own blessings, we somehow feel we’re not measuring up.
  3. We focus on the wrong things.  We can get so caught up in the routines and duties of the season, that we forget what really matters. By baking cookies, shopping at the malls til midnight, decorating as though our living room is Times Square, and just becoming addicted to the busy nature of the season, we get overwhelmed.  Emotionally, we feel wiped.  We can’t keep up and we get really tired.  What comes after tired?  Cranky.  We lose our patience and snap at those we love. Again, the stuff that doesn’t really matter somehow weighs heavier than the stuff that really does.

So what can we do?

  1. Use those memories.  Share them with others.  Ask them to share theirs with you.  I met an elderly woman at a craft fair recently.  We were sitting at a long table enjoying some lunch.  She was “put” there by her daughter, to guard the bags and purses, while the daughter continued to shop.  For the first few minutes, she didn’t move.  She didn’t talk, she didn’t even look up.  She seemed frozen in time.  Grasping onto her walker, staring at her lap, she didn’t seem like she would interact.  But I tried anyway.  I saw her wedding rings and I complimented them and asked if she was married.  She whispered that she had been, but she was widowed now.  I offered condolences and pressed on, asking his name and inquiring about the length of their union.  She told me his name and said “55 years.” With that, she became animated.  Her posture changed, her voice became strong and audible.  She shifted her chair a bit to be able to face me. She told me where the two of them worked, for how long, and that they’d had two children.  She told me they met at The Ritz Barbeque and became engaged in less than six months.  She told me “When you know, you know right away!  I knew with my first look at him that he was the one.  He was VERY good looking, you know!” She smiled and giggled as she told me some of the specifics.  It was a joy to listen.  I bet the stories she shared had not been told in a very long time.  Moral of the story?  Ask.  Ask some more.  Share in the joy of the memories that others may have Don’t worry about bringing up a story about someone who is gone. The person knows they’re gone. They miss them and probably treasure the opportunity to reminisce.
  2. Count your blessings.  The right ones. Remember that there’s always going to be someone out there who has more of something than you do. Whether it’s a bigger house, more cars, or jewelry that sparkles brighter…yes, there’s always someone who will exceed what you have. But do you have what should be the “real goal” for any of us?  Do you have…”ENOUGH”?  Enough food to keep your belly from rumbling?  Enough money to pay your bills? Enough friends to listen to you when you whine? Enough love to make your heart feel warm? Enough love to give to others? “Enough” doesn’t come in a box.  It doesn’t get delivered by UPS.  But it’s something most of us have, we just have a hard time recognizing it.
  3. We need to breathe.  We need to look at what we have and not at what we don’t.  We need to simplify and do what we want to do. We need to know when to say “NO” to some invitations and requests. No one is giving out an award for the number of holiday events we attend. When it boils down to it, there are probably only a few that really matter. It’s not the lights, the confections, the pretty bows…it’s the people in your life who make a difference 365 days a year.  Spend the time with them, enjoying one another and relaxing without looking at the time to see if you’ll make it to the next event.

One of my best memories is always Christmas Eve at my parents’ house. From the time I was a wee child until the last year’s of my mom’s life, this is what we did…the tradition was the same.  We’d end up at her place after church candelight services.  We’d have ring baloney, cheese cubes, onion dip and chips, cookies…and a “highball” drink. (That’s a whiskey and 7 Up for those who never heard of it) We’d talk about past years, laugh about some of the highs and lows of those times, and just cherish the fact that we’d had one more year together, with good health and happiness.

My mom died in August 2008.  So 2008 was the last Christmas Eve we had the “get together” I describe.  Her apartment was almost empty. We hadn’t cleaned everything out yet. But after candelight service, my husband and I went there and sat for a bit.  I ripped through the cabinets and found the Seagrams and 7-Up soda and made highballs in the only two mismatched juice glasses that had not yet been packed away into boxes.  We toasted to Mom.  No baloney.  No cookies.  But it was the last year we had anything remotely like “the old days”.  So, my advice is to resurrect those traditions if you can. Don’t avoid the memories, embrace them.  They were good times, things cannot be the same, but they can be “okay”…maybe they can even be better!  Reach out to others because there’s a chance that they’re having as hard of a time as you are. Don’t be a hermit. Be a sharer. There’s much to give and much to get by giving it a whirl.





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