From Life Insurance to Caregiving Services

Life Insurance Services 408-854-1883

  1. Final expense plan to pay for funeral expenses
  2. Mortgage protection plan to pay for loan balance with return of premiums, disability and chronic/critical illness benefits
  3. Fixed Index Annuity as your lifetime retirement income and safer than your 401k, fees are less, taxes are less, avoids probate, with rate of return with no downward market participation

Motherhealth Caregivers 408-854-1883
Alzheimers, Parkinson, ALS, stroke, diabetes, bed-bound, home-bound, bay area , seniors who needs home care from trained and monitored caregivers in the comfort of your home, text 408-854-1883 for faster response

Hear from our current and past clients about our dependable team for consistency in home care.

Motherhealth, is licensed and bonded at http://www.clubalthea.com serving the greater bay area. Caring and affordable to fit your budget and home care needs. Caregivers deliver above and beyond to include assistance in daily living, pet care and light housekeeping. We accept long term care insurance or private pay.

Serving the greater bay area since 2004 Discounts for Peninsula, Redwood City, East Bay, Contra Costa, San Jose

Free ebook on Cancer roots and causes and prevention. Free massage oil for pain relief. Free senior home care consultation. Free referrals to estate planners and health coaches.

Anti-parasitic and anti Covid19 diet by Connie

Up to nearly 10% of Americans may be infected with brain parasites found in undercooked meat. One example is the brain-invasive pork tapeworm, which is the most common cause of adult-onset epilepsy. Allergenic fish worms found in nearly two-thirds of retail fish tested can trigger allergic reactions in sensitive individuals. There have been migratory skin worms found in undercooked fish (like in sushi). Cheese may contain mites and maggots and organ meats may contain other worms.

Cheese: asiago, bel paese, bleu/blue, brick, brie, camembert, emmental, gorgonzola, gruyere, muenster, port de salut, roquefort, stilton, swiss, pork

Nearly 95% of tested retail U.S. beef (including burgers) has been found to be parasite infested. The meat industry has responded to this problem by feeding arsenic to chickens and turkeys to reduce the parasite load; this arsenic may be linked to increased cancer risk in consumers, and adding bacteria-eating viruses to meat would not help one avoid the brain parasite, toxoplasma, the second leading cause of foodborne disease-related death in the United States. Being bitten by the external parasite, a lone star tick, may result in developing an allergy to meat.

Anti-parasitic diet by Connie Dello Buono

  • Avoid cheese, under-cooked meat, salads and produce not properly washed with vinegar or salt water, over ripe fruits, eat limes and berries, pineapple and papaya, sweet potatoes or yams, pine nuts, and eat less on fermented foods (except fiber-rich).
  • Consume less fat and sugar filled and processed foods but eat more fiber-rich foods, freshly cooked and well cooked. Combine meat with veggies. Eat less fermented veggies and alcohol drinks.
  • Add cabbage , tomatoes and lemon when cooking fish or meat to kill the parasites.  Boil milk if you wanted to drink 2% milk.  Add garlic, onions and sulfur rich foods in your meals daily. Eat well washed raw carrots and garlic.
  • Have a banana at night (not over ripe).
  • Avoid caffeine and chocolate until you have completed your anti-parasitic meds.
  • Lowering your fat intake from keto diet, lowers the supply of cholesterol for parasites to thrive.
  • Warm drink of decaf tea, soy milk, almond milk
  • Use all kinds of coconut from oil to milk.  Do not consume 3-day old rice or left over foods. Wear gloves when washing fish.
  • Promote good hygiene. Freeze fish for portion you cannot eat within 2 days.  Do not eat wilted veggies or moldy and rotten.

Up to nearly 10% of Americans may be infected with brain parasites found in undercooked meat. One example is the brain-invasive pork tapeworm, which is the most common cause of adult-onset epilepsy. Allergenic fish worms found in almost 66% of retail fish tested can trigger allergic reaction in delicate/sensitive people.

There have been migratory skin worms found in half-cooked fish (like in sushi). Cheese may contain parasites and slimy parasites and organ meats may contain different worms. Cheese: asiago, bel paese, bleu/blue, brick, brie, camembert, emmental, gorgonzola, gruyere, muenster, port de salut, roquefort, stilton, swiss, pork Nearly 95% of tested retail U.S. meat (including burgers) has been observed to be parasite plagued. 

The meat business has reacted to this issue by encouraging arsenic to chickens and turkeys to reduce the parasite load; this arsenic might be connected to increased of cancer risk in customers, and adding bacteria-eating viruses to meat would not help one to keep away the brain parasite, toxoplasma, the second leading reason for foodborne sickness related death  in the US. 

Being bitten by the outer parasite, a lone star tick, may result in developing an allergy to meat. Anti-parasite diet Avoid cheese, under-cooked meat, salads and produce not properly washed with vinegar or salt water, over ripe fruits, eat limes and berries, pineapple and papaya, sweet potatoes or yams, pine nuts, and eat less on fermented foods (except fiber-rich). Consume less fat and sugar filled and processed foods but eat more fiber-rich foods, freshly cooked and well cooked.

Combine meat with veggies. Eat less fermented veggies and alcohol drinks. Add cabbage, tomatoes and lemon when cooking fish or meat to kill the parasites. Boil milk if you wanted to drink 2% milk. Add garlic, onions and sulfur rich foods in your meals daily. Eat well washed raw carrots and garlic. Have a banana at night (not over ripe). Avoid caffeine and chocolate until you have completed your anti-parasitic meds.

Lowering your fat intake from keto diet, lowers the supply of cholesterol for parasites to thrive. Use all kinds of coconut from oil to milk. Do not consume 3-day old rice or left over foods. Wear gloves when washing fish. Promote good hygiene. Freeze fish for portion you cannot eat within 2 days. Do not eat wilted veggies or moldy and rotten.

More tips

  • Avoid simple carbohydrates, such as those found in refined foods, fruits, juices, dairy products, and all sugars, except honey.
  • Eat more raw garlic, pumpkin seeds, pomegranates, beets, and carrots, all of which have been used traditionally used to kill parasites. In one study, researchers found that a mixture of honey and papaya seeds cleared stools of parasites in 23 out of 30 subjects. Drink a lot of water to help flush out your system.
  • Eat more fiber, which may help get rid of worms.
  • Probiotics (Lactobacillus acidophilus, Lactobacilus plantarum, Saccharomyces boulardii, and bifidobacteria). Help keep your digestive tract healthy. Probiotics may not be appropriate in some severely immune compromised patients. Talk to your doctor.
  • Digestive enzymes will help restore your intestinal tract to its normal state, which makes it inhospitable to parasites. Papain is an enzyme from the papaya plant that may help kill worms when taken 30 minutes before or after meals. Papain may increase bleeding in people with clotting disorders, or in those taking blood-thinning medications, such as warfarin (Coumadin) among others.
  • Vitamin C. Supports the immune system. Lower the dose if diarrhea develops.
  • Vitamin A (VitA) is a micronutrient that is crucial for maintaining vision, promoting growth and development, and protecting epithelium and mucus integrity in the body. VitA is known as an anti-inflammation vitamin because of its critical role in enhancing immune function.
  • Zinc. Supports the immune system. Zinc may interact with certain medications, particularly some antibiotics, and it may not be appropriate for people with HIV/AIDS. Talk to your doctor.
  • Niacin deficiency in pellagra associated with certain parasites, seems to be due to the impairment in the further degradation of 3-hydroxykynurenine to niacin.

Herbs

Herbs are a way to strengthen and tone the body’s systems. As with any therapy, you should work with your doctor to diagnose your problem before starting treatment. You may use herbs as dried extracts (capsules, powders, or teas), glycerites (glycerine extracts), or tinctures (alcohol extracts). People with a history of alcoholism should not take tinctures.

Many of the herbs used to treat intestinal parasites have toxic side effects or interfere with other medications. Use them only under the supervision of a qualified practitioner. Your health care provider should treat you with the most gentle herb that is effective for the type of parasite you have. A few of the herbs that your provider might consider include:

  • Garlic (Allium sativum)
  • Barberry (Berberis vulgaris)
  • Goldenseal (Hydrastis canadensis)
  • Oregon grape (Berberis aquifolium)
  • Anise (Pimpinella anisum)
  • Wormwood ((Artemisia annua))
  • Curled mint (Mentha crispa)
  • Black walnuts (Juglans nigra)

For more related topics, see ebook of Connie Dello Buono at Balboa Press

https://www.balboapress.com/en/bookstore/bookdetails/807766-curated-health-tips-and-cancer-free-healing-ways

Women will use long term care for 4 years vs 3 years with men

http://www.lifeinsurance4women.com

Women account for two thirds of all long term care insurance claims paid in 2018. AALTCI

Text Connie Dello Buono, 0G60621 for long term care insurance with life insurance added policy to be customized based on your needs, with medical or non medical tests needed. 4088541883 connie@connielifeins.com

Example: 67 yr old male, $140 per month premium for long term care plus life insurance policy to get $3000 monthly benefit in long term care.
Personlized 24 7 care at home with caregivers ranges from $350 per day and up in the bay area. $25 per hour. Text 408-854-1883 for bay area caregivers for live in home care in your house.

Reported in LTCi Sales Strategies magazine (Volume 7, Number 3, December 2005). May be used with credit to LTCi Sales Strategies magazine and Milliman USA.

What’s the likelihood of getting LTC services (based on length of stay information shared by Milliman USA, leading LTC insurance actuaries) from all ages combined?  

Out of 1,000 65-year-old policyholders
        –      449 will get LTC services
        –      106 will get LTC for > 2 years   
        –      59 will get LTC for > 3 years
        –      34 will get LTC for > 4 years
        –      20 will get LTC for > 5 years

The length of stay also varies significantly by whether the policyholder is married or single, or male or female. The two “extremes” for a 65-year old are shown: that for a married male (lowest) and a single female (highest).

Out of 1,000 65-year-old males, who are married              

        –      302 will get LTC services
        –      20 will get LTC for > 2 years   
        –      12 will get LTC for > 3 years
        –      7 will get LTC for > 4 years
        –      4 will get LTC for > 5 years

Out of 1,000 65-year-old females, who are single

        –      555 will get LTC services
        –      70 will get LTC for > 2 years   
        –      51 will get LTC for > 3 years
        –      35 will get LTC for > 4 years
        –      23 will get LTC for > 5 years

Source:  Data compiled by Milliman USA, published in LTCi Sales Strategies magazine, December 2005.

Home loan payoff – secure your pension

Home Loan Payoff

The City of San José processes requests for payoff demands of existing homebuyer and home repair loans, and affordability restrictions (i.e., equity-share agreements).  The payoff demand processing fee is paid in escrow.

Please see more information in the Payoff Demand Instructions.  For questions, please email to Asset.Payoffdemands@sanjoseca.gov or call 408-975-4466.

Single Family Administration
Re-Subordination of CalHFA Subordinate loansp: 800.669.1079f: 916.326.6420
subloans@calhfa.ca.gov
Servicing of Subordinate Loans and Loan Payoff Demandsp: 800.669.1079f: 916.326.6420
subloans@calhfa.ca.gov

MOHCD Loan Payoff

Information for lenders

MOHCD loans can be paid off before the loan term ends. Normally, this happens when the owner sells their home, or violates our program requirements.


To request a payoff

  1. Complete the PDF icon Loan Payoff Request Package
  2. Compile the form and required documents into one PDF file.

Upload your documents with Sharefile
Sharefile will ask you to create an account

There are many reasons a homeowner wanted to payoff their mortgage loans. There is tax incentives to not payoff your home loan.

But if you already paid up the balance of your home loan, you can still use your current savings (IRA, etc) or do a reverse mortgage to buy a personalized pension (fixed Index annuity) and or a life insurance with living benefits, access of your face amount during terminal, critical or chronic illness.

Contact Connie Dello Buono, 0G60621 at 408-854-1883 connie@connielifeins.com http://www.lifeinsurance4women.com

Protect Social Security, Medicare, and the US Postal Service

Protect Social Security, Medicare, and the US Postal Service. Vote

In the absence of a social security, you can create your own pension at Athene Fixed Index Annuity and other annuity products for tax less, safe, avoids probate and have no market downside participation. Receive 10% bonus. Connie Dello Buono, Life License 0G60621 ; 408-854-1883 ; http://www.lifeisurance4women.com ; connie@connielifeins.com

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

What are the parts of Medicare?

The different parts of Medicare help cover specific services:

  • Medicare Part A (Hospital Insurance)
    Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
  • Medicare Part B (Medical Insurance)
    Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
  • Medicare Part D (prescription drug coverage)
    Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

The United States Postal Service is an independent agency of the executive branch of the United States federal government responsible for providing postal service in the United States, including its insular areas and associated states.

We need all three especially seniors. Every day there are 10000 people turning 65 yrs of age. Let’s help our seniors navigate retirement/pension, health insurance and availability of the postal service.

Why take control of the lump sum pension from your company

When you receive your lump sum pension from your company, you can move it to Athene fixed index annuity to create a lifetime retirement pension under your control, with death benefits for your beneficiaries, safe, avoids probate, no negative market participation, with 10% bonus using Athene Agility, and other benefits. Text 4088541883, connie@connielifeins.com ; http://www.lifeinsurance4women.com
Connie Dello Buono , Lic 0G60621 for details.

At age 61, you are taxed less when withdrawing money from your retirement account. Most of the time, anyone who withdraws from their 401(k) before they reach 59 ½ will have to pay a 10% penalty as well as their regular income tax. However, you can withdraw your savings without a penalty at age 55 in some circumstances.

The IRS allows penalty-free withdrawals from retirement accounts after age 59 1/2 .

At age 72, federal law requires you to withdraw a minimum amount from most retirement savings accounts on an annual basis. You must withdraw from each plan type that is subject to RMDs. There are severe tax penalties for not following RMD rules.

Why Athene Fixed Index Annuity for lifetime pension

If you wish to allocate a portion of your savings or retirement/pension in a safe Fixed Index Annuity with no negative market participation, text Connie Dello Buono, 0G60621, at 408-8541883 to show you Athene’s annuity products that suits your retirement savings goal of tax less, fees less, avoid probate, safe with no participation in market downturns and more benefits as shown below.

pension-retirement-safe-athene-fixed-index-annuity

About Connie Dello Buono, Financial Consultant 4088541883 connie@connielifeins.com

Insurance Broker protecting families, seniors and business owners (insurance for life, income, health, retirement, estate and mortgage equity).

Connie Dello Buono is a California Licensed Life and Health Insurance Agent, 0G60621. Serving clients in the bay area, Santa Clara county and the greater bay area communities. Connie started helping seniors with caregivers and with life insurance products that can be used even with health issues.

Life Insurance as asset, life, and retirement income protection

We are focused on helping our clients achieve a secure retirement using fixed annuities and index universal life insurance, a final expense plan using single issue whole life insurance with no medical tests, mortgage protection insurance plans from Americo, AIG, Mutual of Omaha, Transamerica, AIG, John Hancock, American Amicable and 10 more insurance carriers, mostly A rated.

The many riders are important to protect the client during accidental death (doubles the death benefit amount), disability, loss of income/job, terminal/chronic/critical illness or living benefits riders, Return of Premium or cash back, paid up addition and getting back all premiums paid at 100 yrs of age.

Health Care strategist and founder of Motherhealth bay area caregivers

Health Author , Curated Health at Balboa Press

Asset protection from MediCal recovery

Long term care is costly. Be proactive, include a life insurance agent and estate planner/lawyer in your retirement planning.

Text 408-854-1883 for tax free, avoid probates Index Universal Life Insurance, to grow your savings for lifetime retirement savings and for lifetime retirement income, with no negative returns like 401k, Athene Fixed Index Annuity can avoid probate, safe and have guarantees for your lifetime retirement income with no market downturn.

Ruth and John, a married couple, spent their lives, their working lives, building up their nest egg for retirement. They enjoyed the fruits of their labor and they both retired for about 10 years. Then John was diagnosed with Dementia. Ruth cared for him for as long as she possibly could, about seven years, but eventually, John needed to be placed in a care home because she could no longer care for him. She found a skilled nursing facility that cared for late-stage Dementia patients, and they charged a whopping $12,000 a month. Within two years, their savings was wiped out, and Ruth applied for long-term care benefits through Medi-Cal. She was able to keep their house, as it is exempt from calculations and qualifying for Medi-Cal. And because she had spent all the savings paying for his care prior, they met all the requirements to qualify for Medi-Cal, and John’s health care or skilled nursing facility costs were paid for by Medi-Cal for another 18 months until he passed away.

After John’s death, Ruth lived another five years, and at her death, all their assets were to go to their two children. However, the only asset left in their estate was their house, ’cause it was exempt at the time John applied for Medi-Cal. Well, after Ruth died, the children received a notice from Medi-Cal demanding to recover the $216,000 they had spent on his care during those 18 months.

You’re thinking to yourself, “Can they do that?” Yes, they can. It’s called Medi-Cal Recovery. And as a result, the children received pretty much nothing, because Medi-Cal places a lien on the house, the house is sold, and their recovery debts are paid through that money. And it’s only after those debts are paid do the children inherit.

Could Ruth and John have prevented this? Yes. They could’ve prevented the depletion of their savings for his care initially, and they could have protected their home from any recovery that Medi-Cal would seek after they both passed away. But she didn’t seek out that advice or that help, and often people don’t know that it’s out there. If she had contacted a qualified attorney who handles Medi-Cal benefit planning, she could have at least saved the home from recovery.