I salute my aunt Sen Senator Miriam Defensor-Santiago of the Philippines.
I salute my aunt , Senator Miriam Defensor-Santiago of the Philippines
She almost became President when she ran for President of the Philippines, won the city of Metro Manila but lost due to lack of funds and corruption.
She championed a clean government by putting some corrupt senators behind bars.
She spoke with intelligence and certainty. And has the heart of the Filipinos in mind.
She believed that the Filipino government must get rid of corruption to move forward for the sake of the next generation.
She is adored by the young people who can clearly see her work in the Senate.
People learn about the law by just listening to how she debates and prosecutes corrupt government officials.
In her lifetime, there is only one strong government official who cares for the Filipino masses, that is Senator Miriam Defensor-Santiago, the second cousin of my mom , Esperanza Defensor Poral from Pototan, Iloilo Philippines.
May God open his hands and show you peace in eternity.
Connie Poral Benedicto Dello Buono
Mirriam Defensor Santiago RIP – Philippine Senator 2016
Save our 6-bed care facilities for seniors in California Gov Brown
Save our 6-bed care facilities for seniors in California Gov Brown
Governor Edmund G. Brown, Jr.
c/o State Capitol, Room 1173
Sacramento, CA 95814
RE: Urging veto of AB 1523 (Atkins)
Dear Governor Brown:
I respectfully urge you to return AB 1523 to the Assembly without your signature because it puts the survival of small assisted living facilities at the whim of insurance companies that may decide arbitrarily to cancel policies or raise premiums to unaffordable levels.
There are almost 6400 RCFEs with six beds or less serving over 37,000 seniors in California. The majority of these small businesses are minority and/or women owned and employ more than 225,000 caregivers statewide. AB 1523, while well intentioned, threatens to put these hardworking individuals out of work and eliminate an option for tens of thousands of seniors.
We favor insurance for RCFEs and a great many of our members have insurance. But if insurance is made a condition of licensure (as AB 1523 would do), then when an insurance company cancels a policy or raises the premium to unaffordable levels (which they have been known to do after a single frivolous lawsuit), the RCFE would be out of business immediately and its residents’ lives horribly disrupted.
This bill should not be signed or implemented until a provision has been made for a risk pooling arrangement or other backup insurance plan, such as the State Fund serves for workers compensation insurance. If such an arrangement were in place, then an insurance requirement would be supportable. Since the insurance requirement in AB 1523 does not take effect until July 1, 2015, there is time to work on legislation next year that puts such a backup insurance plan into place BEFORE making insurance a condition of licensure for RCFEs.
AB 1523 is another example of well-meaning legislation introduced because of a real problem but which has not been thought through and will have very serious unintended consequences and put many small enterprises out of business.
We look forward to helping your administration and the Legislature craft responsible RCFE insurance legislation next year.
Sincerely,
——-
Calling everyone to send this letter to save our 6-bed care facilities for seniors in California and save many small business owners.
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
Solar power to reduce energy use plus unique battery to be out of the Grid
Retirement woes and stock market loses of 45-65 yrs olds
Retirement woes and stock market loses of 45-65 yrs olds
| 45 yrs old | Saves $300 per month | $50k yearly lifetime retirement income | Sample numbers, save for 20 yrs, earnings for lifetime , returns 8-13% |
| 55 yrs old | Saves $500 per month | $40k yearly lifetime retirement income | Sample numbers, save for 20 yrs, earnings for lifetime , returns 8-13% |
- At 45 yrs of age, you want to save in the next 25 yrs and ensure your lifetime retirement income to support the lifestyle that you want.
- At 50 yes of age, you want a safe place to grow your savings or investments with no market loses like the stocks and you want to recoup what you have lost in the market to retire early.
- At 60 yrs of age, you want to use some of your savings tax free without paying penalties and taxes which would amount close to 40-50% of your savings.
- At 65 yrs of age, you know that you might need long term care and you have no long term care insurance and might not be insurable any longer.
- At 70 yrs of age, you are required to withdraw your savings and incur a huge tax as a result.
Now, you do not have to have these pains of the future if you know there is an Index Universal Life policy with additional living benefits such as terminal and chronic illness riders and lifetime retirement income riders.
These riders added free at no cost allows you to access 70-90% of your face amount (up to $1.5M) when cancer (early or last stage) or disability occurs.
After saving away in the next 20 yrs, around 10% of your net income you are scheduled to receive a lifetime retirement income until you are 120 yrs old. For sure, you will not outlive your money.
Using an index strategy, in an IUL policy your savings do not participate when the market is in downside potential but keeps your principal and gains intact. You can create an estate of $500k to $2M at a stroke of a pen with a policy that is not term (renting) or whole life insurance (1-3% with return) but an IUL for tax free cash accumulation between 8-13% return.
You choose what your retirement income would be, call Connie for free review of your retirement needs and wants via email or cell for 24 hrs response. Your financial life coach (24/7) for single premium, 1035 exchange, super charge Roth IRA, pension, 801k or just a safe/guaranteed savings plan securing the future for you and your family where your money doubles every 9 yrs and during health threats or emergencies you have access to it.
Contact Connie Dello Buono CA Life Lic 0G60621 408-854-1883 motherhealth@gmail.com www.clubalthea.com 1708 Hallmark Lane San Jose CA 95124
Weekly seminars:
Fremont: 43136 Christy St Ste 100, Fremont,CA 94538 , every Saturdays, 8/9/2014 at 9am
Mon-Friday: San Jose 8pm
Also available online and via skype
Talk to be understood by M. Talmage Moorehead
My son, the psychologist in training, has told me since his high school years, “If you don’t talk, Dad, people will assume the worst.”
I know that now.
To be understood you’ve got to open your mouth and talk. Especially when there’s a misunderstanding.
Be careful of silence… saying nothing until it’s too late.
But I wonder, is it ever too late?
Maybe time is not linear. Maybe the Universe never loses information – as the physicists say.
Maybe she heard me in that dream.
Maybe she understood and forgave me.
by M. Talmage Moorehead
—————–
Connie’s comments: Men should express more about their love. Women’s brain are charged more when hearing the voice of a man and more emotions are charged when kind loving words are expressed. In asking questions, we find answers. In communicating, we align our thoughts with others and become one in the universe. Maybe then we find our soul mate, one who we love to talk to during the remaining years of our life here on earth.
Own your own essential oil global store
The healing power of essential oils has been known for centuries. Our skin absorbs most of the nutrients better than our organs. If you have difficulty sleeping, use Serenity. If you want to get pregnant, use the hormone balance supplement, Phyoestrogen and email Connie for other holistic tips.
Essential oils of meleuluca, rosemary, grapefruit and frankincense are cleansing. Clarycalm essential oil calms your nerves, allowing most body function to work since the brain is the master control that is affected by the aroma and healing properties of essential oils.
Be a business owner, go to http://www.doterra.com
Click Join and enter this code: 1140108 . If your country is not listed from the list, use GlobalAccess country (e.g. China, etc) . Email motherhealth@gmail.com and skype me for training.
You now own your own ecommerce of essential oils.
More than 10 reasons why we need life insurance
More than 10 reasons why we need life insurance
Your greatest asset to protect is your life. As a mother and a life insurance agent, I want to show you why we need life insurance, not just for creating an immediate estate to my children in the absence of an inheritance as I am not rich at the moment. Connie Dello Buono CA Life Lic 0G60621 motherhealth@gmail.com 408-8541883 (in 50 US states) Here are the top reasons why we all need a life insurance:
1. create an asset or estate, up to $2M
2. allow my family to grieve peacefully, without worries and can remember me during the time that the life insurance proceeds can help them with college, buying a house or sending their children to college
3. allow my family to find money should I need a similar to long term care needs after a stroke, disability or an early/last stage terminal illness
4. provide for a lifetime retirement income for me as I do not have other retirement plans in place
5. More than ten reasons for business owners, like a buy and sell agreement would allow the other partner not to deal with the spouse should the business partner dies, and here are the other reasons:
Note: Chronic illness rider is currently being reevaluated in California. Some IUL caps or returns up to 10%,12%,13%,15% or more with guarantees of 2%,2.5%,3%
Your referral to anyone who needs a retirement review, estate plan review, life insurance review, college plan review and life review is much appreciated.
Connie Dello Buono , CA Life Lic 0G60621
motherhealth@gmail.com
Medicare Part D, Save a senior
Medicare Part D, Save a senior
I work with a team to help educate seniors on Medical,Medicare and Medical Advantage programs in the USA.
Contact Connie Dello Buono, CA Life and Health Ins Lic 0G60621 to attend an educational seminar to prepare for long term care before age 65 yrs old. 408-854-1883 motherhealth@gmail.com
And do read this handbook:
