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If you have 401K, stocks, mutual funds, Roth IRA, IRA, annuities or other kinds of assets, you need asset protection using your life insurance.
Use this life insurance application to complete when you decide after discussing with me about your asset protection plan with illustration detailing cash accumulation, face amount and tax strategies. Connie Dello Buono 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 Life Insurance Broker in 50 US states
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For those who are willing to give up liquidity to maximize guaranteed income for life, the solution has always been relatively straightforward: purchase a lifetime Single Premium Immediate Annuity (SPIA).
However, in recent years, annuity companies have begin to offer Deferred Income Annuity (DIA) contracts, also known as longevity annuities, which similarly provide guaranteed income for life but an income stream that doesn’t start for years or decades into the future (i.e., the income is deferred).
The downside of the DIA approach is that the retiree still has to fill the income gap between now and when the DIA starts; the upside is that it requires far less of an investment into the DIA to get what ultimately is still income for life, because of both the years that income won’t be paid, and the opportunity to accrue both interest and mortality credits during the waiting period.
Yet with more choices now between SPIAs and DIAs – not to mention whether to include features like inflation-adjustment and death benefit riders – it becomes difficult to determine what is the “best” allocation among such contracts.
Blanchett analyzes the issue looking at various:
The overall conclusion of the results is that nominal SPIAs are often most favorable, although it would only take a small increase in payout rates from DIAs to make them dominant in most situations, suggesting that if pricing for DIAs gets just a little more “competitive” (i.e., payouts improve as more companies offer such contracts and compete for retiree dollars) they may soon deserve far more consideration as a client solution.
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For annuity products, call Connie Dello Buono CA Life Lic 0G60621
408-854-1883 motherhealth@gmail.com in 50 US states
Email motherhealth@gmail.com to get free 15min phone chat with guest blogger who is a certified financial planner and had been helping bay area professionals in the past 13 years.
Call Connie Dello Buono 408-854-1883 to be scheduled in the slots from 2pm to 6pm of every Wednesdays starting this 9/17/2014 (first 16 callers/email will be assigned first and the rest for next Wed). Talk to the financial planners about questions you may have such as:
If asked what is my one million entry for the cure to end aging, it will comprise of the following factors in synergy:
The above factors I believe contribute to long life and delays the aging process. Why the scientists of today will spend so much for research to fight inflammation, gene decay, short and tangled brain neurons and other novel ways when all we need are the above.
Please email me your feedback. motherhealth@gmail.com Connie Dello Buono, health author 408-854-1883
Most people work their entire career without becoming a millionaire — but some achieve that level of wealth before turning 30.
As it turns out, there are a few key characteristics that set certain people up to earn big early on, according to Peter Voogd, founder of the Game Changers Academy, who made his first million before turning 26.
“You don’t make a million by accident,” he says in a recent LinkedIn post. “If it’s not a goal you sure as hell won’t hit it.”
Here are four vital traits young, successful millionaires share, as observed firsthand by Voogd:
They have a sense of urgency.
Young millionaires become successful so early in life because they constantly work toward success instead of waiting for opportunities to come to them. “Now matters more than any other time, and the ‘someday isle’ mentality is killing so many dreams,” Voogd says. Millionaires make monetary success a top priority from day one instead of pushing it to the back burner as something they’d like to achieve someday.
They find a strong mentor.
Millionaires don’t reach that status alone, and even self-made millionaires find smart, wise mentors to guide them as they build their careers. “Success rises and falls on who you associate with, so make sure you stay aware of your surroundings,” Voogd says. Learning from those who came before you is key to making the right business decisions, and a good mentor will challenge you and help you focus on bigger thinking, Voogd adds.
They focus on leverage.
Time is money, and while the traditional method of trading your time for a proportional payment will earn you a decent salary, it won’t make you a millionaire. “At some point you have to focus on scaling and leverage,” Voogd says. “Investment properties, membership sites, building a brand, partnerships, affiliate marketing, different types of programs, etc.” Young millionaires maximize their time to make sure they’re always earning as much as possible.
They don’t care what other people think.
“People who care what others think of them will always be limited to others’ opinions,” Voogd says. Young millionaires don’t waste time trying to please people who don’t believe in them or win over those that don’t support them. Instead, they focus on their own vision and learn to believe in themselves. To become truly successful, “you must give up the need to be liked by everybody,” Voogd warns.
We think we are good in bed. Men are taught that confidence solves just about anything. You can be making a total mistake, but as long as you’re confident, it will turn out okay. This may explain why we are so clueless at what we are doing in bed, but we act like we know.
Heavy makeup is a turnoff. I’ve always been the type of guy who appreciates a natural look as it is, and when a girl does her makeup well, the results can be magical. But the one thing that should never happen is excessive application: too much, too many colors, or if it’s just a botched attempt at a good makeup technique. Seems like as time goes by, makeup makes like the earth and erodes and changes with weathering. There is nothing more ghastly than makeup run amuck in the morning after spending the night together.
We put pressure on ourselves to get married. Women tell me that they feel morepressure to settle down because they can’t have children as easily past a certain age. I don’t feel pressure in that sense, but I do fear that my appearance and my “game” (not that either are working for me presently) will fade as I get older. It’s fun being one of the few guys in my group of friends who hasn’t yet found love, but at the same time I wonder what is wrong with me…and I’m trying to decide if time is running out.
We want to bail the morning after a one-night stand. Do not linger in bed hung over. I’m foul when I’m hung over, so I am sure others are too. You can’t contaminate someone’s bed with that. Do everything you can to get home and fester in your own bed. People have things to do over the weekend. Give each other a hug, wish each other well, don’t say anything about calling, and don’t believe him when he mutters that he will call you.
You’re not the only one who engages inretail-therapy post-breakup. I have shopped during emotional low points. Wearing new clothes makes me feel confident. There is also a social aspect of shopping because you are usually with friends, consorting with other shoppers and salespeople. You’ve been spending a lot of money on your ex in the past; now it’s time to spend some money on you.
We do think you’re crazy sometimes, but only because it makes things easier for us.Once I accepted that women were “crazy” (many older guys had insisted they were for years), it seemed to take a huge load of pressure off me. No longer was I trying to rationalize moves that women made that got me into crazy analysis cycles. When I just throw it all out the window and dismiss it as “crazy,” it makes it easier to deal. We don’t really think women are insane, we just say it so we can be done thinking about their antics and move on.
Leave your baggage at the door. Guys are happy to help out their girlfriends with emotional issues. But if the baggage becomes apparent too early in the relationship, then a guy will probably bail. Also, baggage causes people to put pressure on or damage a relationship, so it may be doomed from the outset.
We get jealous because we’re insecure. If a guy feels like he does not deserve a woman or is not good enough for her, he will become jealouseasily and worried that he’s going to lose her to another guy. On the other hand, I admit that I have tried to make girls I’m interested in jealous on purpose before.
We Check Out Other Women (Even if We’re in Relationships)
Sorry, but we notice a hot girl any time any place. Hopefully most of us don’t make it obvious, but we check out a cutie when we can. The worst is if your younger sister or best friend is hot, we’ll check her out too.
Sometimes We Like Being Told What to Do
One of the reasons we won’t commit is because we don’t want to be told what to do. But, it’s no secret that we don’t like to think, and we struggle with details. So when you tell us clearly what to do, how to do it, and map it out for us, we can go about accomplishing a task without anxiety. Also, if we follow your directions precisely and you’re still unsatisfied, then you’re more unsatisfied with the directions you gave us, and not our execution of the instructions.
We Cry and Have Emotional Moments with Our Buddies
After my little sister’s wedding, I talked over my feelings with a few of my guy friends. We might as well have been on the couch watching movies with a bottle of wine with the deep emotional things we were saying to each other. But it happens. And, we do cry — we just try not to do it in front of anyone. I shed tears when I think about old memories, or see something sad on TV,or a song hits me just the right way.
We Fear Growing Older
This is explicitly linked to our weight sensitivity. As we get older, we gain weight, we lose our hair,we get tired faster, and younger guys look better in our presence. It’s especially painful for athletic guys who can’t quite do the things they used to do physically. We go through depressions, mid-life crises, etc…until finally we just give up.
We Say We’ll Call Even if We Don’t Mean It
We always say we’ll call, because it’s the nice thing to say. It’s almost as thoughtless as the “fine” answer when someone asks us how we’re doing. Would you rather us say: “Look, I’m not planning to call you?” And sometimes at that very moment we say we’ll call, we do mean it, but then after 24 hours we change our mind after sleeping on it.
How to throw away a fortune—in seven easy steps. Ready to waste money? Here are some surefire strategies:
Suppose you work for 40 years, save $250 a month, your investments earn a 5% pretax annual return and you lose 25% a year to income taxes.
If you start saving as soon as you enter the workforce, you will have roughly $279,000 at retirement. But if you delay by just 10 years, you’ll amass $167,000, or 40% less.
2. Shun retirement accounts.
OK, maybe it’s worth saving for 40 years. But is it really worth locking up money in retirement accounts, with a 10% tax penalty to discourage withdrawals before age 59½?
Let’s use the assumptions above. But suppose you skip the taxable account and instead fund a Roth individual retirement account, which can deliver tax-free growth. After 40 years, you’d have $383,000, with no taxes owed.
What if, instead, you had opted for a tax-deductible IRA? You might lose 25% to taxes when you cash out your IRA in retirement. But if you’d invested the tax savings from the initial tax deduction, you could sock away $333 every month, rather than $250. Result: After taxes, the tax-deductible IRA should give you $383,000, just like the Roth.
3. Forfeit the employer match.
Roughly 20% of eligible employees don’t salt away money in 401(k) plans, including plans with matching employer contributions, according to a survey by Chicago’s Plan Sponsor Council of America.
Are you among those who don’t contribute—or don’t contribute enough to get the full match? You could be missing out on a heap of dough.
Let’s assume your employer matches 401(k) contributions at a rate of 50 cents for every $1 you contribute. If you saved $333 a month for 40 years and collected the match, you’d have $575,000 at retirement, even after paying all taxes. Reallocate properly, monitoring any market downturn and when not performing well, and you are allowed to reallocate some portion to a qualified plan such as an index or variable annuity with good performance, reallocate to save taxes.
And when you are close to 59.5yrs, reallocate towards a tax free plan.
4. Buy active mutual funds.
We’ve been assuming a 5% annual investment return. But what if you buy actively managed mutual funds, rather than market-tracking index funds? Sure, you might enjoy the occasional market-beating year—but it is highly unlikely you would earn market-beating returns over 40 years.
A more likely scenario: You lag behind the market, perhaps by one percentage point a year, so you earn just 4%. Suppose you funded the 401(k) with the match for 40 years. At 4%, you’d have $445,000 after taxes, or 23% less than with the 5% return we assumed above.
5. Carry a credit-card balance.
In 2014’s second quarter, the average credit-card debt per borrower was $5,234, according to TransUnion, the Chicago-based credit bureau. Imagine you kept your card balance at that level, but incurred 20% in total annual interest costs. That would be almost $42,000 in interest over 40 years.
What if you hadn’t paid that interest, and instead stashed the money in a Roth IRA, where it earned 5% a year? After 40 years, you would have another $133,000 for retirement.
6. Get a new car every three years.
Let’s say you bought a $30,000 car. You might recoup 56% of the car’s cost if you sold it after three years, which means you’d need to pony up another $13,200 to buy a new $30,000 car.
By contrast, if you kept the car for six years, you might recoup just 34%, so you would need to come up with $19,800 to buy a new $30,000 car. But because you’re buying a new car less frequently, you’d spend $6,600 less every six years.
The potential cost savings are even greater if you drove the car for more than six years or, alternatively, bought a used car. True, you might incur somewhat higher repair bills by driving an older vehicle. But you would also save on insurance, which should be cheaper for a less valuable car.
7. Remodel your home.
Think that new kitchen will be a great investment? Check out Remodeling magazine’s survey at CostvsValue.com. According to the 2014 survey, a major kitchen remodeling might cost $54,909, but add just $40,732 to a home’s resale value. The survey found that other home-improvement projects were also money losers. Moreover, the longer you wait to sell, the shabbier your renovations will look and the less you’ll likely recoup.
I have nothing against home improvements. But you should undertake them because they will give you a lot of pleasure—and not because you think they’re a good investment.
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Contact Connie Dello Buon for tax advantaged retirement plan, 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 in 50 US states.
If you live near the stadium in Santa Clara, your house might be valued around $1.4M. Do you have enough life insurance with face amount equal to the value of your house? Your life insurance at work is only around $100k and only valid while you are employed in the same company. Do you have an income disability insurance to protect you during income loss?
Today’s permanent life insurance has guaranteed return of around 4% and is also a place for cash accumulation. You may use your irrevocable life insurance trust and make annual gifts to the trust to pay for the life insurance premiums. The trustee applies for insurance on your life. The trust is the owner and beneficiary of the life insurance policy.
At your death, the insurance company (e.g., Guardian Life, Allianz, etc) sends your trustee the policy’s death benefit proceeds income tax free. This allows the trustee to purchase assets from your estate , when the time is right. Without the life insurance, your estate would lack the liquidity to pay any estate settlement costs.
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Ask advice from your estate planner, CPA, financial planner and life insurance agents. Contact Connie Dello Buono for life insurance at 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 with offices in San Ramon, San Jose and San Mateo.
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