6% Annuities vs 2% Bank CDs for 0-80 yr olds
Let me help you maximize your income from your savings with safe, higher returns, guaranteed, index strategy and liquid savings plan. Connie Dello Buono CA Life Lic 0G60621 408-854-1883 motherhealth@gmail.com http://www.clubalthea.com
I have annuity products from various insurance carriers in the USA.
annuities lifetime income benefit
How much taxes eat out of your retirement savings
How much taxes eat out of your retirement savings
Using an index strategy IUL policy, 8% annual rate of return, 25% tax rate now and at retirement with yearly retirement savings or contribution of $5,000 ($417/month), the following table shows you how much will an IUL save you. Connie Dello Buono CA Life Lic 0G60621 408-854-1883 motherhealth@gmail.com
|
Years to save |
Index IUL |
Regular Taxable Investment account: IRA, 401K, pension |
Doing Nothing |
|
5 |
$31,680.00 |
$29,877.00 |
0 |
|
10 |
$78,227.00 |
$69,858.00 |
0 |
|
15 |
$146,621.00 |
$123,363.00 |
0 |
|
20 |
$247,115.00 |
$194,974.00 |
0 |
|
25 |
$394,772.00 |
$290,782.00 |
0 |
Robin Williams, the comedian most loved
Free financial planning and review for bayarea pros and business owners
Free financial planning and review for bayarea pros, 3000 laid off Cisco employees and business owners
If you want to reduce taxes, review your life insurance needs, review your retirement plans, identify ways to have safe and lifetime retirement income from your annuities and IUL and get more from your savings without market risks and taxes, contact Connie Dello Buono motherhealth@gmail.com 408-854-1883 for 24 hr response time. CA Life Lic 0G60621
This free financial planning is for two weeks only to rev up my business and to help those who needs help the most.
Find ways to have peace of mind, protect your savings for a lifetime retirement income, and spend more time with your love ones and create memories while your money works for you.
Free info on rolling over 401ks to tax free or lifetime retirement income (with living benefits, funds during health threats) to all 3000 laid off Cisco employees.
Saturdays Tax free seminar in Fremont at 9am and Mon-Fri at 1-3pm in Saratoga and Cupertino.
Saving without taxes, probates and required minimum distribution should be possible.
Reallocate your idle CDs and high risks investments to a long term, safe, liquid and better returns.
Some annuities have a bonus between 20-30%, there are life insurance with return of premium and living benefits, funds during health threats and non-medical life insurance and for funeral expense. All of these products are suited to each person’s needs and wants.
Know your options, protect your assets and life so your HEIRs receive them and not theIRS.
Ordinary people get a share in the ecommerce global business
Ordinary people get a share in the ecommerce global business
This is my personal invite to those who wants a share of the ecommerce industry. But first, my condolence to the loved ones of Robin Williams, who is my favorite comedian of all time. May God’s face shine upon him.
Dear All,
I would like to invite those who wants to earn an income in the ecommerce industry, with Amazon, Wallmart, Target and other retailers.
This is one stream of income I am not afraid to share to you all. Ecommerce franchise business share for less. You may pass this along to others who really need to get out of financial woes.
Email me – > motherhealth@gmail.com to get the link for info and to join and I wish to invite you all tomorrow in Burlingame at 6:30pm and in LA this Sat.
A global ecommerce, you have a share in the pie before going public in Jan 2015. Not much selling effort on your part. You will not be disappointed. Retention rate as start up business owner is 98%. Like many of you, starting a business takes time to be in black but this one takes only a week.
$10k while your are sleeping in first 20 days. You can still do what you love to do. My passion is still in finance education and health but I also need a stream of income in ecommerce.
Regards, Connie
Connie Dello Buono
Money coach and wealth strategist for tax-free retirement
1708 Hallmark Lane San Jose CA 95124
PS. Ask me for 6% index annuities and 13- 17% index universal life policies
Hit the Reset Button in your Brain by Daniel Levitin
Our brains have two dominant modes of attention: the task-positive network and the task-negative network (they’re called networks because they comprise distributed networks of neurons, like electrical circuits within the brain). The task-positive network is active when you’re actively engaged in a task, focused on it, and undistracted; neuroscientists have taken to calling it the central executive. The task-negative network is active when your mind is wandering; this is the daydreaming mode. These two attentional networks operate like a seesaw in the brain: when one is active the other is not.
This two-part attentional system is one of the crowning achievements of the human brain, and the focus it enables allowed us to harness fire, build the pyramids, discover penicillin and decode the entire human genome. Those projects required some plain old-fashioned stick-to-itiveness.
But the insight that led to them probably came from the daydreaming mode. This brain state, marked by the flow of connections among disparate ideas and thoughts, is responsible for our moments of greatest creativity and insight, when we’re able to solve problems that previously seemed unsolvable. You might be going for a walk or grocery shopping or doing something that doesn’t require sustained attention and suddenly — boom — the answer to a problem that had been vexing you suddenly appears. This is the mind-wandering mode, making connections among things that we didn’t previously see as connected.
A third component of the attentional system, the attentional filter, helps to orient our attention, to tell us what to pay attention to and what we can safely ignore. This undoubtedly evolved to alert us to predators and other dangerous situations. The constant flow of information from Twitter, Facebook, Vine, Instagram, text messages and the like engages that system, and we find ourselves not sustaining attention on any one thing for very long — the curse of the information age.
My collaborator Vinod Menon, a professor of neuroscience at Stanford, and I showed that the switch between daydreaming and attention is controlled in a part of the brain called the insula, an important structure about an inch or so beneath the surface of the top of your skull. Switching between two external objects involves the temporal-parietal junction. If the relationship between the central executive system and the mind-wandering system is like a seesaw, then the insula — the attentional switch — is like an adult holding one side down so that the other stays up in the air. The efficacy of this switch varies from person to person, in some functioning smoothly, in others rather rusty. But switch it does, and if it is called upon to switch too often, we feel tired and a bit dizzy, as though we were seesawing too rapidly.
Every status update you read on Facebook, every tweet or text message you get from a friend, is competing for resources in your brain with important things like whether to put your savings in stocks or bonds, where you left your passport or how best to reconcile with a close friend you just had an argument with.
If you want to be more productive and creative, and to have more energy, the science dictates that you should partition your day into project periods. Your social networking should be done during a designated time, not as constant interruptions to your day.
Email, too, should be done at designated times. An email that you know is sitting there, unread, may sap attentional resources as your brain keeps thinking about it, distracting you from what you’re doing. What might be in it? Who’s it from? Is it good news or bad news? It’s better to leave your email program off than to hear that constant ping and know that you’re ignoring messages.
Increasing creativity will happen naturally as we tame the multitasking and immerse ourselves in a single task for sustained periods of, say, 30 to 50 minutes. Several studies have shown that a walk in nature or listening to music can trigger the mind-wandering mode. This acts as a neural reset button, and provides much needed perspective on what you’re doing.
Daydreaming leads to creativity, and creative activities teach us agency, the ability to change the world, to mold it to our liking, to have a positive effect on our environment. Music, for example, turns out to be an effective method for improving attention, building up self-confidence, social skills and a sense of engagement.
This radical idea — that problem solving might take some time and doesn’t always have to be accomplished immediately — could have profound effects on decision making and even on our economy. Consider this: By some estimates, preventable medical error is the third leading cause of death in the United States, accounting for hundreds of thousands of deaths each year. You want your diagnostician to give the right answer, not always the quickest one. Zoning out is not always bad. You don’t want your airline pilot or air traffic controller to do it while they’re on the job, but you do want them to have opportunities to reset — this is why air traffic control and other high-attention jobs typically require frequent breaks. Several studies have shown that people who work overtime reach a point of diminishing returns.
Taking breaks is biologically restorative. Naps are even better. In several studies, a nap of even 10 minutes improved cognitive function and vigor, and decreased sleepiness and fatigue. If we can train ourselves to take regular vacations — true vacations without work — and to set aside time for naps and contemplation, we will be in a more powerful position to start solving some of the world’s big problems. And to be happier and well rested while we’re doing it.
Tax saving rescue from your 401k/IRA to index annuities-IUL
Tax saving rescue from your 401k/IRA to index annuities-IUL
Call Connie Dello Buono CA Life Lic 0G60621 at
408-854-1883 motherhealth@gmail.com for diversification
and asset protection with tax advantage to you and your heirs. Learn how to have a tax advantage retirement income from 45-75 yrs of age. Mon-Fri in San Jose and San Mateo and on Sat in Fremont. One one one presentation or groups via employee brown bag seminar. Protect your assets and your wealth from taxes.
———————————
Free 30min phone chat with a sr financial advisor at Harding Financial to help you reduce income taxes using a business structure and financial strategies, connie.dellobuono@hardingfinancial.com or conniedbuono@gmail.com 408-854-1883
Make 2014 and 2015 be the year to protect your wealth and secure your retirement.
Connie Dello Buono
Jr Financial Advisor
hardingfinancial.com
Detox your lungs from air pollution and metal toxins and for early lung cancer
Detox your lungs from air pollution and metal toxins and for early lung cancer
Liposomal Vit C
When my father died of lung cancer in 2002, I have been researching about how to get rid of the toxins in our lungs. Liposomal Vit C and amino acid Lycine were listed to help stop early stage lung cancer. Turmeric and green tea tell our body master anti-oxidant Glutathione to work harder. Enzymes of guava, pineapple, papaya and mango help in breaking down more toxins.
Brocolli sprouts, the more potent greens, help in detoxing air pollution (especially indoor air from our own house and cars). While our genes predispose us to cancers (affect 15% in growth, stress can double cancer growth, sugar is the food of cancer cells and a strong immune system is our ultimate weapon), our lymphatic system must be taken cared for.
If I have early stage lung cancer, I will soak my body in sea water, relaxing on the beach, taking in fresh air. I would nap more in the afternoon, relax when tired, sleep well and get massaged with essential oils of eucalyptus, frankincense, sage, thyme and melaleuca.
Know that sugar is food for cancer cells. A powerful chicken soup that my mom makes contains MALUNGGAY (powerful healing greens) and some companies are selling them in powder, protein bars and many forms. I met the owner for the protein bars at Whole Foods Market, a company based on Oakland California.
You can get these essential oils which you can mix with coconut oil or sesame oil for your body massage oil at doterra.com and enter my code 1140108.
I would eat lots of fresh veggies, more colorful and avoid red meat as possible and ensure fresh fish with no mercury or metal toxins. And last, will try to remove any metal fillings in my mouth. Love more and live well.
Blessings,
Connie
Cristina Sarich wrote these 25 holistic ways to metal detox:
1. Support the liver and gallbladder with beetroot. Beets are a valuable source of iron, magnesium, zinc and calcium which all support healthy detoxification and better elimination. They are also full of B3, B6, C, and beta-catoene, important nutrients for supporting the liver and gallbladder in making bile acids which support detox.
2. Drink more purified water. Water is one of the most vital ways of self-purification on the planet. It helps every single cell get rid of waste and allows us to excrete toxins through our urine and bowels, as well as through our skin via sweat.
3. Bathe in Kaolin clay or use acalcium montmorillonite clay as they are considered the best for removing pesticides from the body.
4. Reduce your meat and dairy intake since these animals are often fed on GMO-rich diets.
5. Consume more pantethine, a biologically active form of the B5 vitamin, which can help open blockages created by pesticide consumption. When we are too clogged with pesticides our bodies cannot naturally detoxify themselves.
6. Use activated charcoal. It is very safe to consume up to 20-30 grams a day mixed with purified water. Activated charcoal binds to pesticides and other environmental toxins and then ushers them through the intestines to be purged form the body. You can also supplement with molasses after using activated charcoal just to be sure to replace important minerals the charcoal might leech from the body in the process of getting rid of the unwanted toxins.
7. Eat more citrus. Pectins in citrus are a very powerful detoxifying substance. Citrus naturally remove heavy metals without depleting the body of important trace minerals.
8. Create an alkaline state in he body by eating more organic fruits and vegetables that support multiple channels of detoxification in the body. They clean the liver, the bowels, the skin, the blood, etc.
9. Eat more fiber. When we eat fiber, the liver can more easily flush toxins through the digestive system and we take an immense load off an organ that is constantly trying to get rid of toxic substances from the body. High fiber foods include fruits, vegetables, whole grains, potatoes (including their skin), etc.
10. Eat more grapefruit containing naringenin, a special flavanoid that helps the liver burn fat instead of storing toxins in our fat cells. Do not eat this fruit when taking medications for it doubles the potency of meds or even alcohol that you are ingesting.
11. Eating garlic can help boost detoxification since it helps to boost the production of white blood cells, otherwise known as lymphocytes, an important part of the immune system as well.
12. Eating asparagus can educe the levels of pesticides in the body.
13. Eating organic, free-range eggs can also help to remove toxins from the body. They also boost energy levels.
14. Increasing your levels of vitamin C is so good for you, and detoxing the body that it was found this vitamin could help reduce levels of radiation exposure, even in people who were living near Fukushima.
15. Native Americans have been using sarsaparilla for hundreds of years in teas and tinctures as a way to effectively detox the blood. It also effectively treats liver, kidney and skin conditions.
16. Exercising and staying active is vital to keeping impurities out of the body. Just 30 minutes to an hour every day brings oxygen rich blood to the liver and kidneys, thus supporting them in detoxifying the body.
17. Eating brazil nuts, which are full of glutathione, a natural detoxifying substance, can help the body get rid of pesticides and other harmful toxins. Also, full of selenium, Brazil nuts help to create moreglutathione. Sometimes called the mother of all antioxidants.
18. Our skin is one of the biggest organs of detoxification. It covers about 22 square feet and we replace skin cells every single day. Dry brushing is a great way to help support the skin in detoxing the body through sweat, bathing, etc. If our pores are clogged, the skin becomes less effective. Dry brushing also helps encourage lymph flow that helps to flush toxins from the body.
19. Take Milk Thistle. Sylibum marianum, also known as Milk thistle is a great support for the liver. Long with helping the body detox, this herb has been linked to reduction in certain cancers, reduced diabetes and even reduction digestive disorders.
20. Consume Essiac Tea, which cleanses the body and also has anti-cancer properties. This tea can help the body rid itself of pesticides used with GMOs, and ground-spraying including permethrin.
21. Eat your sea vegetables. Algin in seaweeds helps to absorb toxins form the digestive tract (in much the same way that water softener removes hardness from tap water) so they can be eliminated more easily. They also offer the largest range of vital trace minerals that can help to clean the blood.
22. Consuming dandelion greens and roots can help to detox the body due to their high levels of antioxidants but also help to support liver decongestion.
23. Use broccoli sprouts in your salads to ingest important substances that help with detoxification: sulphorophanes, indole-3-carbinol and D-glucarate. Sprouts also contain up to 20 times more sulfurophane than regular, full grown broccoli plants.
24. Eat flaxseed and flaxseed oil to help detox the body. This super food is full of fiber and Omega 3s, both important substances for detoxification.
25. Add turmeric to your recipes. This root is full of Curcumin, used often in Ayurvedic Medicine to treat liver and digestive disorders, and a great detoxing agent.
Connie’s comments:
Seek your doctor always. I can give you more health information from holistic books I read, but do live life with wellness in mind.
Connie Dello Buono
