I have helped older adults use tax-free retirement money and let their money work for them allocating idle money from CD towards their indexed and immediate annuities and index Universal Life Policies for a tax-free lifetime retirement income with no market risks and with health benefits when cancer,stroke or disability occurs. Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com in 50 US states.
I suggest a risk free investment, tax free and safe with Index Universal Life policy, growing up to 13%. Email for details motherhealth@gmail.com or call at 408-854-1883. The story below gives all types of risks and their definition.
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“What I really want to know, is where do you think I should invest now?”
I could have given him the usual answer — that I’m not a financial adviser and that I don’t pick investments for people — but instead I answered his question this way:
“That may be what you want to know, but what you need to know first is ‘What’s your greatest financial fear?’”
Mike, a pilot, immediately answered that he’s worried about another layoff. Chris, to his right, is scared of the market having a repeat of the meltdowns he saw in 2000 and 2008. Bob said he worries about outliving his money or needing long-term care.
And so it went for a few minutes, each guy coming up with a few legitimate things to fear, or nodding in agreement with the concerns cited by someone else, as the worries ran from current socio-economic events to providing for a special-needs child, to fear of missing out on the market’s gains, to not being able to pay to put the kids through college and more.
Finally, Mike said, “Maybe you just say that what I fear the most is losing money or mismanaging money.”
The problem with all of these concerns is that even if you work to solve your biggest fear, you may still feel vulnerable to other worries.
If losing money in the market is your biggest fear and you go to all cash in response, you assuage the big worry, but over time you will have a growing scare that your money isn’t keeping pace with inflation or, perhaps, that you will outlive your nest egg.
Moreover, if you take that kind of all-or-nothing position, having everything in cash could leave you afraid that if the market doesn’t have a comeuppance soon, you’ve lost real opportunities to grow your savings.
While an individual’s financial fears morph and evolve, risks don’t. Certain dangers may be more or less present based on current events and conditions, but the underlying risks don’t change.
As a result, it’s important for investors to see how their worries align with the various types of risk.
Market risk, or “principal risk” is the chance that a downturn (or a bad investment) chews up your money. It’s there for both stocks and bonds — when interest rates rise, bondholders will see the market value of their paper shrink — and for most people it’s the big bugaboo.
Inflation or purchasing-power risk for most people is the “risk of avoiding risk” — the opposite end of the spectrum from market risk — the possibility that you are too conservative and your money can’t grow fast enough to keep pace with inflation.
Interest-rate risk generally revolves around how rates will change. If you seek a long-term “risk-free return” by putting your money in a bank certificate of deposit, you face the chance that interest rates rise and your assets are stuck at what has become a below-average rate of return.
Shortfall risk is about you, personally, more than the market; it’s the chance that you won’t have enough money to make your goals. You can face shortfall risk by being either too conservative or too aggressive; if you don’t believe your portfolio can deliver enough, the best way to address this risk is to save more.
Special-situation risk involves your life as well, whether it’s the special-needs case, planning for college, saving for a big event like a wedding or something else. Most parents get to a point when paying for college is a key concern — a worry that distracts them from saving more for their own retirement — but those circumstances eventually pass.
A close cousin is timing risk, another highly personal factor that hinges on your time horizon. While experts agree that the chance that stocks will make money over the next two decades is high, the prospects for the next two years are murky; if you need your money in two years, you have a worry about timing.
Liquidity risk affects everything from junk bonds to foreign stocks. On a broad scale, it can be the chance that investments in a particular country suffer during some sort of credit crisis, or the potential for a thinly-traded stock to crater or for its shares to be difficult to redeem in a crisis. It also occurs in investment products like non-traded REITs, where the investment cannot be sold at its perceived value if the money is needed on a moment’s notice.
Political risk is the prospect that government decisions will damage the value of your investments. Whether it’s the safety of Social Security, the impacts of a policy like Obamacare and how it might affect stocks in your portfolio, tax-law changes or more, this is the chance that broad policy decisions hit home.
Societal risk is ultra-big picture, looking at world events. This is what might happen in the event of terrorist attacks, war or catastrophe.
Diversification, of course, involves taking on some or all of these risks, so that no concern comes up and ruins you.
But that’s also why you can figure out where to invest “now” by considering your biggest financial worry and playing to that particular type of risk.
Depending on circumstances and your nerves, the best move might be staying in cash and building emergency savings, or it could be exploring micro-cap stocks or emerging markets bonds.
In short, the answer for every guy in that conversation could be different, as it could be if you, your friends, family and co-workers tried to determine “where it’s best to invest now.”
When you want to know where to invest “next,” re-evaluate your situation and, again, adjust based on your concerns at that point.
It may mean that whatever you do now won’t be the choice that makes the most profit or that generates the hottest return, but it does mean that your actions should increase your ability to sleep at night. And that’s a win — no matter what the market does next.
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Generate sales of retirement planning with college, savings and long term care insurance plan, an all in one product that is risk free, tax free and with access to funds from $100k to $1.5M when cancer, stroke or disability occurs. As a financial marketing service professional, you will own your business, avail of unlimited field training and support to learn the many marketing strategies that is given to you. There is no cold calling. You become an agency manager at your own pace.
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Qualifications: 21 yrs old to 67 yrs old with or without CA Life and Health License
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To Apply: Please send your resume to motherhealth@gmail.com or call 408-854-1883
CollinsLaw Corporation – Asset Protection – QPRT
By Leveraging his/her estate and gift tax credit and freezing an appreciating asset at its current value.
I exchanged baby sitting service with my neighbors, friends and family. It is a good feeling to help other families in times of need, especially when they have little ones. You can hear many families in the bay area struggling with high cost of babysitting, day care and preschools/day care.
I was fortunate that I was able to connect with other friends whose children are of the same age as my children. It takes a lot of money management to care for young ones. My now 20 yr old told me that having children is very expensive. I told him, not that expensive as I stayed home and had them with midwives, breastfed them and all the holistic healing ways I employed when ever their bodies needed more care.
Fortunately the only medical expense is the dental expense and eye glasses.
How did you manage with your money and budget when you have little children in the bay area? Please share and email them to motherhealth@gmail.com or comment on this blog.
A 45-yr old doctor who bought an IUL policy for cash accumulation, health benefits and death benefits vs a 47 yr old doctor.
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Despite its relative infancy, the crowded mobile healthcare app market features a handful of well-established veterans and a plethora of newcomers scrambling for visibility and traction among consumers and medical professionals. The market includes more than 100,000 apps, according toResearch2Guidance — and the flood of new entrants shows no sign of easing, says Ralf-Gordon Jahns, founder of the Berlin-based research firm, in an interview.
“Mobile technology is truly revolutionizing the future of healthcare, and mobile apps in particular have played an important role in improving communication between physicians and patients, increasing adherence to medical prescriptions, helping patients locate good doctors and pharmacies, and encouraging preventative measures,” says Jeff Holleran, senior director of Enterprise Product Strategy at BlackBerry. “Both doctors and patients are finding that mobile apps can provide a fast and efficient way to stay in touch and exchange information. Providers are leveraging apps so that they can respond quicker and share data faster. On the consumer side, mobile apps are growing in popularity as people become increasingly more conscious about their health and well-being.”
Although some apps have a clear lead in categories such as running, fitness, and nutrition, that hasn’t stopped new contenders from releasing their own offerings. They may offer a new perspective — anything from being chased by zombies to focusing on strength training for women — or target a specific group of often neglected users, such as owners of BlackBerry or Windows mobile devices.
Health tracker Nudge, for example, recently moved away from Web-based apps in order to focus all its resources on mobile health apps. The developer created an algorithm based on recommendations from the US Department of Agriculture, the US Centers for Disease Control and Prevention, and the World Health Organization, and applied research from an internal team of health professionals to index data input by users, says Phil Beene, co-founder, in an email.
“This means that no matter what apps, trackers, or wearables a person is using, they can compare an indexed score, called the Nudge Factor, to friends and other users on the app,” added Mac Gambill, co-founder of Nudge, in an email. “By tracking dietary intake, hydration, exercise, and sleep duration, as well as syncing with the leading apps and wearables, Nudge is becoming the principal curator and indexer of the best health and fitness apps on the market.”
New and existing developers fit into six general categories, Research2Guidance found. They include:
1. Established healthcare players — such as pharmaceutical, insurance, and healthcare companies — which represent about 3.4% of app publishers. Usually larger organizations, they typically publish many mHealth apps but have a below-average reach in terms of downloads.
2. App specialists are generally smaller developers that entered mHealth to leverage their software expertise. Although they usually have a small share of medical expertise in-house, they account for 14% of the mHealth app publisher community.
3. Helpers, which represent 32% of this space, are small companies that want to help others. Revenue is secondary, and could be one reason 61% had fewer than 5,000 downloads in 2013.
4. Medical specialists use their expertise to develop mobile apps and claim one fifth of the market. This group had the largest number of companies that earned more than $1 million from their mHealth apps last year.
5. Fitness specialists joined the market to earn money, and they account for 10% of this space. Often they connect to medical databases and sensors and use app development tools.
6. Connectors create value-rich apps that integrate with other apps, sensors, and databases, enabling them to generate the highest average revenue. They account for 18% of the mHealth developer community.
Combined, mHealth apps will be worth about $26 billion by 2017 — but that’s just the beginning of mobile apps’ impact on the vast healthcare market, estimated at $6 trillion, Jahns says.
“The $26 billion is the tip of the iceberg. The huge potential is: ‘Do apps allow [the healthcare industry] to save costs, for example, hospitals to send out patients earlier so they can use the beds for somebody else? Or do they reduce the amount of doctor visits?’ The true potential is reducing costs and making the healthcare market more efficient,” he says.
Of course, consumers might argue their goal is losing weight, eating healthier, monitoring medications, or protecting themselves from bugs. In that case, check out some newer mHealth apps on the market and let us know what you think. Which new health and fitness apps would you add to the list? Which ones would you remove? Tell us in the comments.
How did you make it work? He is vegan and you love pork. Over the 12 years of being married to a vegan, I became semi vegan who consumes more veggies than meaat. Some couples who are opposites in religion, have one converted after 6 months or years. My friend’s hubby is an Ironman and she loves to only take a walk and sleep most of the times. Now the hubby became a homebody like her, due to old age perhaps.
Couples doing the same types of activities last longer and live happier lives. Spending more time with each other and also allowing each individual unique qualities help in making marriage last a little longer.
Those who have stayed together despite not spending time in daily exercise type of activities or eating the same type of foods do so for other reasons like raising children, in same faith and deep love and respect of each other. But because they love each other, one partner also converted to the same food and healthy habits and even faith.
As my elders would advice me, being in the same faith is like a string that will always bring you back together for you both believe in the same thing and so a solid base of relationship will live for a lifetime.
Love can move mountains and help transform someone to be vegan, be an athlete, love for ballroom dancing and do all things that their partner is passionate about.
What do you think of opposites? Will it last even when their food types and sports are the opposites? What did you do? Please email motherhealth@gmail.com .
Utilizing social media to grow & market our business and being in closer touch with our clients are important business activities. Many of us read our email, research the net using google, relaxes by reading jokes and watching short video clips at facebook and other sites. We use the internet to make decisions, buying a car, finding more research and data about a product or service.
We no longer depend on others to give us research. We come to meet our doctors prepared with our own research. Of course, face to face with a professional is still very important.
But most of us, create our image through our web sites. We connect regularly to our customers and prospects using our web sites/blogs/email.
What do you think helped you a lot as a business owner of the 21st century? What social media were used and how did you use it to increase revenue, find more customers or build relationships with others?
Please email me your feedback with the use of technology and social media to increase revenue or generate more sales for your business.
I know some business owners are not happy with Yelp and other sites. Share your stories as business owners.
The most pain-yes, even marginally greater than that of former Enron employees and Bernie Madoff scam victims-has been felt by a younger generation, however, in America’s suburbs, far from Wall Street.
Relinquishing its collective Abercrombie & Fitch flannel shirts for suits and ties, Generation X was buying its first homes just as the Farrelly brothers-directors of “There’s Something About Mary”-were hitting the movie scene and the real estate market was warming up.
These initial purchases were greeted with solid gains and falling interest rates, so when Scott and Ann-as we’ll call them-were ready to move up from their starter home to make room for their growing family, they decided to refinance and rent their first home. They got good renters, made a monthly profit and saw their net worth begin a sharp upward climb.
Since it worked so well the first time, why not do it again? Scott and Ann took meaningful chunks of their ever-expanding equity from their growing real estate portfolio to fund new home purchases. After all, the banks wouldn’t lend them this money if they actually thought it was dangerous, would they? In their early 30s, Scott and Ann were poised to become millionaires soon, at least on paper.
This strategy worked great-until it didn’t.
They lost a renter in one house and started having less amiable phone calls with lenders, soon resorting to unsecured credit cards for excess expenses. Their equity shrunk, seemingly overnight, and kept shrinking until it ceased to exist. Adjustable mortgage rates started adjusting in unfavorable directions, while their net worth accelerated into the red.
Scott and Ann’s household income-more than $150,000 annually but comingled with their real estate “business”-could no longer support their family, until all was eventually lost in a dual personal bankruptcy that shattered them personally and threatened them professionally.
Plagued by guilt and embarrassment, Scott, who’d shielded Ann from most of their financial woes until they were impossible to hide, had trouble sleeping through the night, until he woke one morning with a freeing picture in his mind.
He saw the number zero preceded by a dollar sign. “$0,” he told me, “is the amount of money and material possessions we take with us when we leave this world.” His vision provided a valuable lesson, indeed, but one I’d have preferred Scott to learn in a book.
Scott and Ann’s story is 100 percent true, but sadly it’s not unique. The intense compounding of leverage-fueled rates of return on seemingly safe hard assets wooed entirely too many Gen Xers into part-time landlord gigs that eventually failed. For many more, home equity dwindled, thanks to cars, vacations and even more noble uses, landing vast numbers of 30-somethings among the millions still underwater on their homesteads.
As a generation, however, we’ve learned several lessons that will serve us well into the future:
-Real estate can be a good investment, but it is not a safe investment, made even less safe because it is typically bought with leverage.
-Without leverage, the most you can lose is your initial investment. With leverage, you can lose substantially more than your initial investment.
-In order to benefit from rental real estate, you must be willing and able to be a landlord. Most aren’t.
-Owning more of a good thing is not always better. Concentrating is gambling; diversifying is investing.
Studies have shown that Generations X and now Y are more conservative than their predecessors, which is completely understandable after they saw the financial crash of 2008 follow the real estate crash of 2006, which has been preceded by the tech bubble bursting in the early 2000s.
Some say younger generations are being too conservative, but I think it’s a good lesson to learn: No investment is likely to make us, and therefore it shouldn’t be put in a position to break us.
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Call Connie Dello Buono CA Life Lic 0G60621 408-854-1883 motherhealth@gmail.com 1708 hallmark lane San Jose CA 95124 for a risk-free investment, lifetime retirement savings plan that is tax-free and with health benefits, returns up to 13%.
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