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

Affordable in home care | starts at $28 per hr

Do you participate in child care cooperatives?

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.

Cost of waiting

Cost of waiting

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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Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 for an IUL policy with tax free accumulation with living benefits for terminal, chronic and critical illness added at no cost and investment with returns up to 13%, safe and all in one policy. We are in 50 US states. Now hiring, business owners/agency owners.

 

Financial Coach-Agency Owner

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Mobile health applications or Apps by Alison Diana

mhealthDespite 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.

You are married to a vegan and triathalon and you are the opposite

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 .

How I use social media for my business

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.

Real estate worries of generation X and Y

re sinks landlordThe 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.

ImagePlagued 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%.

US continues its losing streak in health care quality by Mandi Woodruff

us poor health care rankingMoney can’t buy everything — including great health care.

The U.S. spends the most of any country on its health care system, and yet it ranked the lowest out of 11 industrialized nations in overall healthcare quality, according to a report published Monday by the Commonwealth Fund.

The report, which covered the years 2011-2013, compared more than 80 indicators of U.S. health care spending, quality and performance to the likes of Australia, the United Kingdom, France, Canada, Germany, New Zealand, and Sweden, among other developed nations.

The UK, which was ranked highest, blew the U.S. out of the water, despite the fact that the country spends less than half as much on health care per capita ($3,406 on average, compared to $8,508 in the U.S.). The U.S. also spends the most on health care as a percentage of GDP (17%) than any other other nation.

Here’s where the U.S. health care system is failing:

Death rates: The U.S. ranked lowest among other nations in infant mortality rates and  deaths that could have been preventable with timely access to health care. The country also had the second-lowest life “healthy expectancy age” at 60.

Access to affordable care: Low-income people in the U.S. were far likelier to ignore medical issues because of cost than other nations. Nearly 40% of American adults with below average incomes said they did not visit a doctor or fill a prescription due to costs, compared to less than 10% in of adults in the U.K., Sweden, Canada, and Norway. Low-income people in the U.S. were also more likely to wait longer to see a specialist than high-income patients. Even doctors take notice. In the report, nearly 60% of U.S. doctors admitted that health care affordability was a problem for their patients.

Health care quality: Quality was one of the few measures the U.S. showed strength in the Commonwealth report. The U.S. had relatively high scores (4th place) in effective care and patient-centered care (care delivered with the patient’s needs and preferences in mind), but it suffered from low scores in safe and well-coordinated care.

Efficiency: With so much money pumped into health care and so little to show for it, it’s no wonder the U.S. ranked last in efficiency. It scored lowest in reports of administrative hassles (e.g., dealing with insurers), timely access to records and test results, and re-hospitalization. Forty percent of U.S. adults who went to the E.R. in 2011 said their condition could have been treated by a regular physician but could not be seen in time — more than twice the rate in the U.K. The U.S. also scored lowest in communication among healthcare providers and duplicate medical testing.

 

Major Money Mistakes Couples Make 

Using home equity to add a swimming pool. And then the husband died without life insurance and retirement plan. And now the house is foreclosed and the wife is waiting to be evicted by the bank.

Mom stayed at home for three years to take care of two young children and hubby is only making minimum wage, both filed for bankruptcy and divorce.

Wife used home equity to fund overseas business that failed. Luckily hubby gained $2M from sale of a tech start-up. But, now they both invested heavily in real estate that is not positive cash flow and hubby is out of work but getting money from Marijuana retail store he partnered with another business man. Other house that costs them $1.2M is negative by $6k per month on property taxes and mortgage and is for sale.

Renting a $3k house in the bay area and paying $1500 for two car leases while also paying for other bills, unplanned vacation and others, left this couple with no savings even when their gross is more than $350k per year.

Couple bought an expensive house in bay area and renovated big time, filed for divorce and each one is renting a property for $3k a month rent. There is no college fund for their two children.

A single dad had a major stroke and became broke as medical bills pile up even when he has medical insurance from work. Went back to work to pay more bills. There is no long term care insurance and an IUL with terminal, critical and chronic riders.

Husband died with no life insurance and both couple owns a care home business for developmentally disabled teens. They lost a $1M house before their business and now renting three of the 6 homes for their business. She became my client to protect her business, her two children and have money in her pocket should cancer, stroke or disability occurs while she still lives.

Please email your story to share.

Let’s pay ourselves first, invest risk free, protect our assets and life and leave an estate to our children with a stroke of a pen. Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com

 

Whole Foods is a focused first mover

I don’t care how many headlines there are that speculate otherwise: McDonald’s will never be Starbucks, Taco Bell will never be Chipotle, and stores like Safeway and Wal-Mart will never be Whole Foods.

Those other concepts can try to copy, but they lack the focus, commitment, and authenticity to pull it off. Consumers may not be able to quite put it into words, but as a group they can spot a fake.

McDonald’s is the best-run large-scale fast food company I’ve seen. I marvel at its efficiency and relative consistency around the world. But that distinctive McDonald’s smell and the statues of Ronald McDonald just don’t evoke the same upscale, relaxing coffee shop feel a Starbucks does. McDonald’s will never be that “third place” for most of Starbucks’ targeted audience.

While Taco Bell is associated with post-midnight “fourth meal” runs by frat brothers and jokes about the quality of its meat, Chipotle has a clean, higher-end feel and is all-in on “food with integrity.” Taco Bell’s Cantina Bell menu loses a lot of allure to typical Chipotle devotees when you can get gorditas, chalupas, and Doritos Locos Tacos at the same drive-through window.

It’s the same way with Whole Foods. Traditional grocers and one-stop shops are adding organic food sections and offerings, but Whole Foods is all-in on organic. The company and its employees actually seem to care about organics — rather than simply caring about losing market share to organics. The store experience (which we’ll get more into soon) is vastly different at a Whole Foods versus a regular grocer, a Target, and certainly a Wal-Mart.

As for the clones that are popping up, even if they are adept at copying Whole Foods’ playbook (very hard to do … no one’s yet successfully stolen Starbucks’ or Chipotle’s), they’re playing well behind a first mover. If you combined the annual sales of SproutsThe Fresh Market, and Natural Grocers, they’d equal about a third of Whole Foods’ $13.6 billion in sales.