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

Affordable in home care | starts at $28 per hr

Free weight loss zoom training tips 7am

Email connie at motherhealth@gmail.com for daily weight loss tips training via zoom. Only need referrals in life insurance in the USA and home caregivers in the bay area.

Weight loss plan involves daily habits, drink, meals, naps, sleep, activities, breathing, stretching, grounding, nutrition, herbs, physiology, meds and tips from connie.

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Free daily 9am life insurance Q&A with Connie

Learn about life insurance, return of premium , age limits, final expense, mortgage protection, cash back option, index universal life insurance,term life with living benefit, long term care, and other life insurance concerns and questions that you might have. Extra topic on lifetime retirement income until 94 yrs of age using Athene fixed index annuities.

Focus keywords: life insurance, long term care, home care, disability, income rider, accidental rider, living benefits, critical illness, final expense

To attend the zoom training, email connie at connie@connielifeins.com or motherhealth@gmail.com
http://www.lifeinsurance4women.com

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Free daily 12noon 1hr zoom training on home caregiving with Connie

Email connie at motherhealth@gmail.com to join daily zoom training, free, to learn an hour of caregiving, home care. Only need to refer connie to bay area clients for home care and the USA for life insurance.

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Why move your 401k to a fixed index annuity that pays until 94

A couple who just turned 60 had paid their mortgage in less than 15 years by adding $500 more each month in payments. Now, they planned well for retirement by moving their 401k into a fixed index annuity that pays until they are 94 and with a base bonus of 20%. The company is number 1 in fixed index annuities and number 2 in risk management. Contact Connie Dello Buono, CA and MI license life agent at 408-854-1883 , connie@connielifeins.com ; http://www.athene.com

There are many ways to protect your principal and to downsize to protect your retirement money. You also wanted to pay less in taxes so that when you want to receive the payout as beneficiary, do choose the 5 year installment for more payment compared to a lump sum.

For more info about fixed index annuities, Contact Connie Dello Buono for a zoom call and an illustration designed for your retirement goals and asset protection. We protect our retirement, income, disability, accident and life with an insurance and fixed index annuity that will provide protection while we are still alive and when we have critical, chronic and terminal illnesss.

Start with a term life insurance with cash back option, plan early before 50. To celebrate your life, get a final expense life insurance for up to 85 yrs old for your family to have money to spend for your burial within 48 hours.

Life insurance as an asset and health insurance tool

I cannot leave a big house for my children and my grandchildren, so I bought a life insurance that they can use as down payment to buy their own house should the good Lord calls me. Life insurance is an asset with a value that is worth it. If I have health issues such that I cannot perform 2 out of 6 ADLs (assistance in daily living), I can count on my life insurance with living benefits to be able to access about 80% of the death benefit during a chronic, critical or terminal illness. I could not afford a long term care insurance but I can with an index universal life insurance from Mutual of Omaha, Transamerica and 3 more carriers.

When you think you are ready to have peace of mind should you need to access some of the benefits of the many kinds of life insurance that is available, contact Connie Dello Buono, CA Life 0G60621 at 408-854-1883 , connie@connielifeins.com

http://www.lifeinsurance4women.com

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Now is the time to make sure you’re prepared when illness strikes at 50, 60 or 70

Life insurance now covers accidents , lost income, disability, critical illness, chronic illness, terminal illness, long term care and access to your death benefit during illness.

Make your life insurance be your health insurance tool.

Life insurance is leaving a legacy that is worth more than a house

Let your life insurance be an important asset to pay for your home loan balance and assets (education, lifetime retirement income)Link Life insurance as a legacy and an asset worth every penny.

Celebrate life, get your final expense fast

In 48 hours, you have money for funeral and burial expenses from a final expense life insurance (using Simplified issue whole life insurance from 7 carriers). We wanted to be celebrated for the life we lived during our funeral. It costs around $15k. With monthly premium around $30 to $100 per month depending on your age 50 to 85 yr old, we got you covered even with health issues. Contact Connie Dello Buono 408-854-1883. connie@connielifeins.com 0G60621

List of carriers: Americo, American Amicable, Mutual of Omaha, Transamerica, AIG, John Hancock

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Healthy or unhealthy people for you by Elinor Greenberg

  • 5 Easy Tips for Discerning whether People Are Healthy or Unhealthy for You.

Tip 1: How do you feel when you are with them?

This is the easiest way to tell if people are healthy or unhealthy for you. If being with them leads to you feeling inadequate, boring, discouraged, ugly, stupid, ashamed, or otherwise bad about yourself, they are likely to be unhealthy for you.

If, however, whenever you are with them you are so entertained and stimulated by your interaction that you forget to be self-conscious and you are comfortable and relaxed, they are likely to be healthy for you.

Tip 2: Are you your best self when you are in their company?

Some people bring out our best self. When we are with them, we act wisely and kindly and say and do interesting things. We feel smart, interesting, and capable.

Other people lead us into trouble by evoking the less pleasant aspects of our personality. It may be as simple as engaging in nasty gossip or as dangerous as encouraging us to shoot heroin. Many people have found themselves drawn into destructive and criminal acts by so-called “friends” that they normally would have avoided. There is a reason we are warned: Beware of the company you keep.

Tip 3: When you leave, do you feel better, worse, or the same as before?

This may vary a bit if you are extraverted or introverted by nature, but in general there are some people who give more than they take and others who will leave you drained and in pain.

Energy Vampires—These are the people who suck the life out of you. When you leave their company, you feel drained and exhausted. Other people give back at least as much energy as they take. Obviously, if you repeatedly feel as if you are sucked dry after spending time with them, the are not healthy for you.

Put Down Artists—These are the people who make jokes at your expense or subtly devalue you. After you spend time with them, you always feel worse about yourself.

Enliveners—They stimulate you. After you leave, you feel energized and better than before you were with them.

Obviously it is healthier for you to spend time with “Enliveners” than with “Energy Vampires” and “Put Down Artists.”

If you interact with someone and leave the interaction feeling pretty similar to how you were before it, this person can be thought of as fairly neutral where your mental health is concerned.

Tip 4: Do you feel more creative and inspired after being in their company?

Muses—All of us have a creative side. Some people are very gifted in inspiring other people to think in a new way or come up with a new project. If you feel more creative and inspired after being with certain people, they are healthy for you.

Tip 5: Do you do physically and mentally healthy activities together?

There are some people who are good influences on us. In its simplest form, we find ourselves eating better, exercising more, and having mentally stimulating conversations when we are in their company. These are the friends who encourage us to sign up with them to study that new language we always wanted to learn, or take up tap dancing, meditation, or Tai Chi.

There are other people whose idea of an exciting social evening includes drinking, drugging, and eating till they pass out after having unprotected sex with strangers. Obviously they are on a self-destructive path, bent on wrecking their own health, and are happy to wreck yours as well.

Punchline: If you pay attention to how you feel when you are with specific people, what types of activities you do together, and how you feel later; you will be able to discern which friends or lovers are healthy for you and which should be avoided.

A2A

Elinor Greenberg, PhD, CGP

In private practice in NYC and the author of the book: Borderline, Narcissistic, and Schizoid Adaptations.

http://www.elinorgreenberg.com

Retirement savings plan

Retirement savings plan

Hi,

Hope all is well with your family and circle.

Do you have time for 15-min zoom chat about your retirement plan that is safe, avoids probate, fees are less, taxes are less and guarantees a lifetime retirement income? Is each dollar in your investment account equal to a life insurance amount? At Athene.com Fixed Index Annuity it is.

Earn 20% base bonus at Athene, get 0.5% bonus at Charles Schwab/Fidelity. Athene takes the risk , you take the risk at your investment accounts. Your Athene account can start at $10k or more or half of your current investment that is in stocks or other accounts.

Did you lose money in your 401k or IRA or stocks? Athene guarantees no negative market downturns or participation.

Blessings, For tax diversification in your guaranteed lifetime savings with death benefits for retirement, contact Connie Dello Buono, 0G60621, 408-854-1883 , connie@connielifeins.com www.lifeinsurance4women.com

Athene.com

PS. Connie’s commission will help support college students in California and the Philippines.

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.