408-854-1883 starts at $30 per hr home care

Affordable in home care | starts at $28 per hr

My story of finding healing and financial steadiness

Working more than 3 jobs or business allows me to be financially strong , not at the mercy of losing an 8-5 job. I would have 30 plus more years to live on this planet but I wanted to ensure that I learned my lessons and just focus on what helps my body be healthy with no meds, maintain weight, sleep a little longer and still be able to travel with friends to see nature and my outside world.

What I would tell my 24 yr old daughter before reaching her 50 yr old self. Save for retirement early, buy only the essentials, don’t waste time, dance and love some more, spend time with nature, jog and run and walk more in the sun, gain more friends, be true to yourself, don’t be fooled by others, learn from your mistakes. So many things I have to tell her. I think I already did. She loved thrift stores and I taught her to love others, her grandparents, relatives and more. I can cry thinking that maybe I forgot to teach her how to avoid the many regrets I have but she has grown to be a better version of me. So early to know what career she wanted to be in, she is even focusing on govt jobs of teaching in the state of California for the benefits, long term and security. She followed her passion.

For all the women before and after me, I learned from them too. Share with each other lessons you learned and so that together we can be each other’s guide as we navigate widowhood, singlehood and being able to walk at 95 and take less meds than others.

Women born during the Baby Boom are likely to be widowed by age 67 and to remain a widow for 15 years or longer.
And the sandwich generation, caring for their parents and their children at the same time.
Helping women plan their future finances, life insurance, retirement savings and estate planning, Connie 408-854-1883 connie@connielifeins.comhttps://lnkd.in/gxZcg9H
Events that have an impact on the finances of women:
Marriage – have your own separate finances or be educated about finance, taxes and money
Children – have college savings, car and other opportunities of learning and growth to guarantee their future success
Divorce – can be independent during divorce, moving forward to live in practical and minimalized ways
Job change – securing income during 6m or more a year of job change; finding other sources of income and learning job skills
Widowhood –
Caregiving
Retirement, access to death benefits during chronic and terminal illness, guaranted retirement income from cash accumulation in life insurance and annuities until 94
Estate Planning
Tips to stay on the top of these life events: Healthy living, financial literacy, living in simple means/minimalist, learning new hobbies and ways of increasing income, social support system, and preparing in advance.

Get solar in CA and TX

Solar panels are important when you have an electric car or planning to buy one, you have a swimming pool, children, near schools, don’t want to pay 10% yearly increase from PGE, don’t use coal and save the planet instead, have new roof added to solar financing of 0 down and cut your electric bill in half. Text 4088541883 to save on electric bill and save for your retirement savings instead. motherhealth@gmail.com Email or text pages 1-4 of your PGE bill and get a solar proposal in an hour. Commercial and residential solar programs available in CA, TX, FL, HI, NM, AZ, CO and other states. Now hiring solar reps and wealth mgrs with life insurance license. Canvassers needed in your neighborhood. Referral fees available for remote job or be a solar broker now.

Solar in California by 2045

With solar roof panels, you can be rest assured that you will not be experiencing an average yearly increase of power bills from PGE by an estimated 10%. There are currently only about 10% of homes are powered by solar and will soon double by end of this year especially for homes with electric cars, near schools and commercial establishments. California also leads the nation in the number of homes which have solar panels installed, totaling over 230,000. Many were installed because of the Million Solar Roof Initiative.

The U.S. installed 3.8 gigawatts (GW) of solar PV capacity in Q3 2020 to reach 88.9 GW of total installed capacity, enough to power 16.4 million American homes.

The Net Metering Program began to help set up homes for solar. New smart meters were ordered by the state government to be changed for each home in California by the utility companies. The new meters track positive credits and energy usage when energy is being produced from the home.

The first two projects to use net metering were an apartment complex and a solar test house in Massachusetts in 1979. Minnesota is commonly cited as passing the first net metering law, in 1983, and allowed anyone generating less than 40 kWh to either roll over any credit to the next month, or be paid for the excess.

San Diego Gas & Electric switched over to NEM 2.0 on June 29, 2016, and Pacific Gas & Electric on December 15, 2016. Southern California Edison didn’t reach its cap and switched over on July 1, 2017. In short, since July 1, 2017, all major investor-owned power utilities in California operate under NEM 2.0.

There is a no cost solar equipment under a Power Purchased Agreement, PPA, where the customer agreed to a flat rate with annual escalator of 2.9, about half a penny each year.

There is also a solar financing, where you can add the new roof loan and or Tesla battery in the solar financing. With solar financing, you can avail of the 26% tax incentive be subtracted from your solar financing amount if you qualify based on your income.
The investment tax credit (ITC), also known as the federal solar tax credit, allows you to deduct 26 percent of the cost of installing a solar energy system from your federal taxes. The ITC applies to both residential and commercial systems, and there is no cap on its value.

California Sets Goal Of 100 Percent Clean Electric Power By 2045Solar panels are mounted on the roof of the Los Angeles Convention Center on September 5. The state’s governor has signed a landmark bill setting a goal of 100 percent clean energy for the state’s electrical needs, by the year 2045.

Email and text Connie to have solar powered house in California, Texas, New Mexico, Florida, Hawaii, Colorado, Arizona and other states at 408-854-1883 , motherhealth@gmail.com . Your savings can be used to power up your retirement savings, estate creation and asset protection.

Increase your home value with solar, no house lien, transferable agreement, warranty and maintenance from solar carriers, 0 upfront cost, get new roof added to solar financing, and more benefits. Own it after 5 years , financing for 10 or 25 years or just used it with PPA for 25 years.

You may add in the financing, the Tesla battery ($15k cost) or not in California.

Save the planet and save for your retirement in one with solar. We are hiring solar reps and wealth managers with life insurance license.

Electric car, have solar power

Email motherhealth@gmail.com if you have an electric car and get a proposal for a 0 upfront cost solar using power purchase agreement or text 408-854-1883
Save $1000+ per month toward your retirement savings while saving the environment. Email connie@connielifeins.com or text 408-854-1883

Federal Solar Investment Tax Credit (ITC)Buy and install a new home solar system in California in 2020, with or without a home battery, and you could qualify for the 26% federal tax credit. The residential ITC drops to 22% in 2021 and ends in 2022.

Have solar with these options: 1. buy or loan 2. lease 3. PPA , power purchase agreement with 0 upfront cost (recommended)

Here are info on EV, PGE time to charge and incentives

Pay from 0.33 cents per kWhr to 0.16

Solar power without loans and lease or upfront cost but using PPA, power purchase agreement can reduce your delivery charges and electric bill. There is no house lien, although a good credit score is needed to qualify. There is no upfront cost and all risks, maintenance and warranty are shouldered by the solar carrier and installer.

The old program on solar is replaced by one that removes the headaches in solar power in homes in major cities.

Email your PGE bill or account number to motherhealth@gmail.com for a proposal.

Solar carriers generate power on your roof and earn from it, so you don’t have to own one ad just purchase at a lower cost.

Save money with solar so you can save money for your retirement savings. 408-8541883 connie@connielifeins.com for your life insurance and retirement plan. We serve individuals and business owners.

Hiring caregivers in Hayward California

Now hiring caregivers in Hayward care home.

Helping bay area care homes and nursing homes. Email your resume to motherhealth@gmail.com

Helping bay area care homes, nursing homes and homeowners with 0 upfront cost solar power agreement to reduce electric bill by half (estimate). 408-854-1883

Helping bay area care home business owners with retirement plans.

Helping bayarea seniors with home care assistant or caregivers Minimum of 4hrs. Live in or hourly home care. 4088541883

Helping seniors, 60 yrs and over with final expense whole life insurance, non medical.

Helping bay area move to safer retirement savings plan from 401k/IRA to annuity.

Battery, solar and saving electricity

In California where there is less power outage, we don’t need to spend money on Tesla battery. Can you pay around 40% cheaper in electric bills without upfront cost using solar? Yes, text Connie 408-854-1883 motherhealth@gmail.com , email your kWhr monthly usage in last 12m for a proposal using solar, power purchase agreement.

Note: No need to get battery in California for now. Delivery takes 1 year.

Now hiring solar reps in TX, AZ, CA, NM, CO, HW, and other states.

For those contemplating to buy an electric car in the future, add around 28% from your current power usage to be ready for it with solar roof panels. Be safe in knowing that maintenance and upkeep will be with the solar carriers and installers using the power purchase agreement.https://clubsolar.org/

Refer a solar client, homeowners with electric bill over $100 per month. Connie solar rep, text your electric bill at 4088541883 email motherhealth@gmail.com Best to choose cash or 25 yr financing to avail of 26% federal income tax credit. For landlords, select PPA, power purchase agreement and talk to your CPA to use equipment expense for your rentals.

Save at least $100 per month towards your retirement savings by going solar. Save the planet too.

440 solar panels

How long will your battery last?

http://www.sunnova.com/batteryduration/

$1000 referral from solar

Generate electricity from solar panels on your roof, 0 upfront cost, no house lien using power purchase agreement. Earn $1000 referral fee this month of Jan 2021. Email first 4 pages of your annual electric usage per month from PGE to motherhealth@gmail.com , 408-854-1883

Save more than 30% of your current electric bills, save them toward your retirement savings.

10 yr warranty on the area of your roof with solar, maintained and monitored regularly by solar carrier.

Now hiring solar reps in the USA. Email your resume to Connie at motherhealth@gmail.com

In the next 3 years, most cities have sustainable goals promoting solar and other sustainable energy sources.

We are broker for more than 5 solar carriers.

Best to place your solar on the southside of your roof, some houses can generate more solar energy than others. Some qualifying requirements apply such as credit score.

Lower electric bill

Lower electric bill with Power purchase agreement using solar

CA, TX, AZ, NM, CO, HI, FL: Transferable account to next homeowner, house must qualify to generate more solar power from southside, zero upfront cost, and using power purchase agreement with quality installer and choices of solar carriers. Text Connie 408-854-1883 , motherhealth@gmail.com . Email first 3 pages of your PGE bill. Let’s generate power from our roof and not patronize PGE.

How to reset your metabolism

You are a woman over 45. Menopause is between 48 to 52 yr old. You don’t have to spend hours in the gym. Can you do it?

Hi, My name is Connie, health author and been helping women cope with excess weight over 45. Some of them had breast cancer and other chronic health issues. Your journey to reset your metabolism is unique to you. It starts with a detox, to get rid of toxins in your body. A 2 meal a day, short fasting and walking barefoot by the beach or nature. Taking a 15-30 minute nap in the afternoon. Eating slowly , healthy and whole foods.

Upon waking up, 2 drinks must be sip. One half glass of warm water, had pinch of baking soda and another half glass drink with 1 tsp of apple cider vinegar. You can also drink or take a sip before going to bed.

Take your B complex vitamins, stimulants like coffee, tea before 1pm. Sleep well, following healthy sleeping habits.

Get some sunshine. Slowly remove sugar including over ripe fruits and left over foods in first week or month. Do indulge in your dark chocolate, few bites a week.

Message someone you love, watch happy videos or stand up comics. Surround yourself with people who love and care about you. Even your deceased love ones, call their spirit to help you when you are down or making important decisions.

Email Connie at motherhealth@gmail.com in your journey for a fee or donation to a good cause, helping college students complete their education. Text 408-854-1883. USA only.

Dan Rather into safer harbors of our democratic traditions

Dan Rather 

tSS3po8ansmSrored  · During World War II, there was a very real and rational fear that American democracy would not survive. The danger was obvious, visceral, and violent. It was promulgated by tanks, bombs, and battleships. It was measured on maps that traced the march of armies, the swarming of navies, and the decimation of cities by aerial assault. America sat within her borders and could feel a world of madness and hatred closing in. Since the attack came from the outside, the human inclination was to rally within one’s own community for safety. That community was riven with its own violent injustices of segregation and the ugliness manifested against its citizens of Japanese ancestry. But the threat from outside was so great and would be likely so unsparing that America hardened its resolve with nearly miraculous levels of selflessness and sacrifice to the cause of survival.

The cost was great in blood, particularly of the young overseas, and in treasure. It is likely that many of you have a sense of where this is going, the comparison I seek to make. American democracy is once again under a dire threat. Once again there is death at a scale that is incomprehensible. But the threat is of such a different nature that it may be too convenient to deny the full level of danger. This threat comes from within, a civil cleaving that instead of uniting the nation is dividing it. Perilously so. This is not a violent threat, at least not yet despite some low-level skirmishes. That could change, but there is nothing approaching the reckoning of Nazi forces sweeping into Paris or a Japanese strike on Pearl Harbor. Meanwhile, the mass death we face doesn’t lend itself to the visceral images of war.

Our killer doesn’t have a face or a flag. It is invisible. Instead of sending our young off to battle overseas, we have medical professionals, grocery store clerks, farmhands, and many others commuting daily into danger. We are mostly aware of what takes place within our four walls of isolation and the looming specter of hunger and homelessness for many of our fellow citizens. But there is of course another deep worry pervasive in this country. It is about America’s heretofore unbroken peaceful transfer of power between presidents. It is the notion that all of us, regardless of party, play by and revere the same democratic ideal that we the people have the power to fire our leaders in free and fair elections.

This election has revealed a president who doesn’t believe any of that, and a party and base that is eager to go along with him. This is not fringe; it is a movement that encompassess tens of millions of Americans. And to defeat it and preserve American democracy will require resolve, patience, ingenuity, and grit. I believe that the nature of this threat to American democracy is not being taken nearly seriously enough. And in an odd way I find some comfort in that. I still do not believe most Americans want our ideal of representative government by majority rule to end, not by a long shot.

It is tempting to laugh off the outrageousness of the court challenges and see a pathetic man desperate to hold on to fleeting power. There is truth in all of this, and I suspect Donald Trump will struggle to own the national conversation as much as he hopes once he loses his perch behind the presidential podium. Yet the fissures laid bare by this election, and its shameful aftermath, are not going away. And every Republican official who signed their name, or even spoke by their silence, bears responsibility for what has been the most serious attempt to wreck our union internally since the Civil War. I hope, and pray, we as a nation can walk back from the ledge, that the passions can cool, and a new administration can steer our American ship of state back into the safer harbors of our democratic traditions.

The struggle will not be easy, but if victory for American democracy does emerge, and I believe it will, we can resolve to make it much more secure so that this doesn’t happen again. In the dark days of World War II, it was almost impossible to imagine a bright and happy future. But that did happen. Today, we have a vaccine coming and a new government. There is danger still ahead, but hope is possible. It is a hope that must be built on hard work and action. But I would go so far as to say a realization of hope is the likely outcome. I have seen America tested many times, and usually we end up in a better place than where we started. Steady.

Get solar at 0 cost in the USA

Reduce your energy consumption in the USA with solar panels on your roof, at 0 initial costs. Email connie a copy of your PGE bill to get the annual usage for your account number to create the solar panel design for your roof , at motherhealth@gmail.com , 4088541883

No need to pay utility energy delivery charges incurred from importing energy to California when you have solar panels on your roof. We work as a broker with 4 carriers and installers (includes Tesla battery as option, ground mount option available). A+ rating with BBB. Currently serving clients in California, Nevada, Arizona, Texas, Colorado, Florida, Hawaii (soon) and other states. Only around 15% of California homes have solar. Incentives are high and as we are mandated to be 100% sustainable by 2045. PGE pays you for excess production of electricity from solar panels on your roof (wholesale price).

Check your roof’s sun exposure here:

Criteria: Roof exposure to sun, PGE annual usage, credit score (although we work with other financial services to accommodate lower than 650 FICO).

All newly built homes are required to have solar panels. The purchase agreement (don’t own or rent, use to provide cheaper electric bills), PPA, can include new roofs for those who needs one. No lien is created for your house. A new account is created for the new homeowner. The is also an option for a purchase for tax benefits.
Based on the house and roof, you can qualify for 0 initial costs. New program is 0 costs, we use panels to generate electricity, buying electricity generated from the installed panels. Good for homes with less shade or not so much surrounded by trees to qualify. If you qualify for this lower uniform rates, you can save a lot in your utility bills.

We inspect the roof to custom the design for your roof. There is no commitment during the design phase to show you savings detail. No out-of-pocket from the panels on your roof, based on sun exposure on your roof.