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Cars costing you your retirement savings plan

If you’re feeling broke at the end of the month and don’t know where all your money disappeared to, just take a peek in your garage. Your car could be sucking your bank account dry.

AAA recently released its 2013 Your Driving Costs report, which reveals what Americans are really paying to drive. It showed an almost 2 percent increase in the cost to own and operate a vehicle in the U.S.

Los Angeles, Calif., traffic on Interstate 405 © VisionsofAmerica/Joe Sohm/Digital Vision/Getty Images

If you drive a mid-size sedan, like a Toyota Camry, Chevy Impala or Ford Fusion, you’re paying about 60.8 cents per mile, or $9,122 a year. That is based on driving 15,000 miles per year, which is common for American workers. If you drive an SUV, you’re paying about $11,600 per year, AAA said.

That’s a lot of money. And more than some people pay for rent.

According to a press release from AAA:

“Many factors go into the cost calculation of owning and operating a vehicle,” said John Nielsen, AAA director of automotive engineering and repair. “This year, changes in maintenance, fuel and insurance costs resulted in the increase to just over 60 cents a mile.”

Here’s a breakdown of the costs that AAA said drove the 2 percent increase in operating and owning a vehicle:

  • Maintenance costs — up 11.26 percent between 2012 and 2013.
  • Fuel costs — increased 1.93 percent.
  • Tire costs — no change between 2012 and 2013.
  • Insurance costs — rose 2.76 percent.
  • Depreciation costs — increased by 0.78 percent.

If you’re looking for a way to trim your car costs, Autoweek recommends following these tips:

  • Bigger isn’t better. “Don’t buy more car than you need,” Autoweek said. You could save about $2,000 per year by purchasing a size down.
  • Don’t buy new. Cars depreciate by nearly 20 percent in the first year. That’s a big hit. Do your homework and consider purchasing a vehicle that holds its value.
  • Know your car. Read your car’s manual and make sure you’re keeping up on its recommended maintenance. Most cars will easily exceed the 100,000-mile mark if you regularly maintain your vehicle.
  • Price insurance. Before you buy a vehicle, research the costs associated with insuring it. Depending on the make, model and year of car, insurance costs can fluctuate significantly.
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  • Comments:
  • My 19-yr old son commutes by bus from the house to his school and then to his part time job as computer technician. And he wants me to buy a hybrid car the next time since I like to be in a carpool lane and to save on gas as I drive a lot in my business of helping others with tax-free retirement plans. I have driven my car for 8 yrs (carpools at times) and now giving it to my daughter. When I worked in Taiwan, I commute by bus and most people drive a scooter.

Some countries give incentives for couples to have babies

Almost half of the world faces the same demographic problem: not enough babies are being born to keep up with an aging population. As a result, countries have been trying all kinds of measures to get their citizens in the mood for procreating. Japan is spending about ¥3 billion ($29.3 million) on matchmaking events and robot babies that might inspire couples to want one of their own. Saucy ad campaigns in Denmark and Singapore remind couples that they have a civic duty inside as well as outside of the bedroom.

For many, the best aphrodisiac may be more practical: baby supplies, money, cars, or refrigerators. Of course, experts are still arguing over whether governments can effectively raise birth rates through encouragement and incentives. And while these measures aren’t likely to be what tips the demographic balance in aging countries, they may contribute to “broader attributes, such as the degree of family-friendliness of a society,” according to demographer Jon Hoem.

Image
Goodie bags

Finland gives away a maternity package of various warm-weather clothes, pajamas, and books to families of newborns—or a cash grant of €140. And Singapore has just announced that every baby born in 2015 will get a small bag of gifts, that could include a baby sling, sippy cup, and a diaper bag—people are still voting on what items they want in the bags. (The Singaporean government says the gifts are for celebrating 25 years since the establishment of Singapore, not necessarily boosting birth rates.)

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Connie’s comments: My sister who had her first-born in Singapore received monthly allowance for nanny care from the government.

30,000 workers in China worked for many years ( >20 years) making shoes and are now retiring with no pension

For the past week, as many as 30,000 workers have been on strike, disrupting work at plants in the southern China that make shoes for Nike, Adidas, and Puma. Their grievances are the same as those of many workers across the country: they’ve spent decades working for manufacturing plants and now that they want to retire, they don’t have enough money.

One of the biggest changes in Chinese society since its reform and opening is that the two traditional sources of social welfare, especially for the elderly, have diminished because of privatization and population controls: state-owned enterprises and the children of aging parents. To help, officials passed a social insurance law in 2011, requiring that all employers in the country enroll staff in pensions, medical insurance, worker’s compensation, unemployment, and maternity insurance.
But because of weak oversight of the system, employers often don’t keep up with their obligations. In over 400 factory probes, none had fully complied with the law, according to China Labor Watch, a US-based nonprofit. Protesters in Dongguan, which started this week’s labor unrest, claim the Chinese firm Yue Yuen—famous for having basketball star Michael Jordan visit its factory in 2004— shortchanged workers regarding monthly payments into the social insurance scheme. The company employs about 40,000 people.

The protesters say the company is also making it difficult for them to cash in or transfer these funds. “Workers who devoted their best years to the factories are not going to go quietly,” said an employee whose surname is Zhu, according to the labor rights group, China Labour Bulletin. A Yue Yuen spokesman has said the company can pay more for social security, but that will mean lower wages for the workers, and net earnings for workers would be less than they are now. Nike did not immediately respond to a request for comment.

Officials are trying to appease workers. As of the beginning of April, seven Chinese cities or provinces raised monthly minimum wages, but that measure may be too little too late. China’s aging population of workers needs pension money now. That’s one reason why the protests in Dongguan haven’t yet been quelled: one labor rights groups said that demonstrations had spread to at least six plants this week.
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Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com if you want a tax-free pension. It is not too late even when you are 50 yrs old in the USA.

 

 

Free trip to Europe in 2015, a $15,000 luxury value trip for two with cash and lux

All the travel and luxury, for only referring 9 high net income clients to Connie and they will be guided to save at least $900 per month towards a lifetime tax-free retirement income with no market risks for them and their families. And most of all, access to funds up to $1.5M when cancer, stroke or disability occurs. Just believe and be out of your comfort zone.

Build wealth without taking unnecessary risk to create a risk-free financial lifestyle. Call 408-854-1883 for a zero market risk retirement savings strategy using an IUL or combo with indexed annuities or email connie at motherhealth@gmail.com

Leverage people, time and technology to simply focus on what matters most in helping others succeed with personal touch, communication and personal service.

Execute your goals with massive action and faith. Faith in the system, product and team. Create a trust within your internal and external customers. Confidence in the backbone of success, derived from learning from the best. Move away from comfort zone to a magic zone, where tax-free retirement is possible and earning with no glass ceiling is the norm as you own your own retirement planning agency with team support. Commit to systematically save each month, tucked away and automated via an ETF (electronic fund transfer). I do not go shopping in the mall, when I do I only bring enough money to avoid overspending.

The Paradigm Shift is a way to remind us to go to that magic zone away from our comfort zone to find the financial fulfillment we have been searching for.

The Pike Syndrome teaches us not to give up our dreams (Do you not stop dreaming until the end to reach your goal). It tells us this lesson:  An aggressive fish who stopped reaching their goals or dreams because they think it is not reachable. When brought inside a place where the food is blocked by a glass and for 20 or so attempts to reach their food, they stopped and died. Even when their food is just touching them as the glass that blocked their food is released.

Real wealth is not measured by the amount but how long it will last. A lifetime tax-free retirement income exists. Call 408-854-1883 motherhealth@gmail.com

Where people flow, be a cash flow. Be a switch that you can just turn ON.  It’s time to turn up the heat. Be the thermostat.

Do not extinguish the fire in your belly, to not stop the need in you to fulfill your dreams no matter what. There must be a burning desire in you to create a job, with unlimited income for the rest of your life. No stopping, even when obstacles come your way.

Simplify your focus. Be a team player. Build relationships, be a giver and you can receive unlimited referrals. Do not let money fulfill your hunger. Help others, and you will reap the reward and the challenge to fulfill your dream to see others reach lifetime retirement income.

Join me if you are a people savvy person. No capital or experience required. Get 475 tax deductions as a business owner.  Make calls per day. Three appointments a week.  You will have a field trainer to work with you for a lifetime for your own business where profit sharing is a norm and monthly bonus is also a norm and you get a raise each time you make a sale and get a referral. Maintain the momentum until you get your free trip to Europe in 2015 for free (a $15k value for two).

The four quadrants where people are in their stage of work and life accomplishments:

The first quadrant, where our parents taught us to be an employee, E.

The second, where we bought our job as self-employed, S.

The third, as business owners. Business runs without them, money comes to them. Join me so you can set up a Schedule C, business for yourself, most of your expenses are tax deductions (475 tax write offs).

The last quadrant, where we become savvy Investors, I. We make money work for us. Money doubles every 9 yrs or less based on rule of 72.

Adjust in life to get a source of income. You need a vehicle to carry your financial weight.  Good example of best tax write offs: realtors and insurance agents.

Change the vehicle where you are at. Is that vehicle taking you where you want to go? Accomplishing your goals instead of 20 yrs, do it in 5yrs.

Be a business owner and let money work for you. I have a vehicle for you. Call Connie Dello Buono, CA Life Lic 0G60621 , 408-854-1883

Success is the choices you make along the way, I found what I am looking for. Let me share it with you. Be open for knowledge and truth.

Don’t expect different results by doing the same thing 8am to 5pm.

Reset what you are doing now to thrive to the new economy and prepare for your lifetime tax-free retirement.

Follow the rule of 100 in investing. Start with 100 and subtract your age.The difference is the percent you should have at risk in your portfolio. This rule will help you keep in financial balance.

Balanced diet, balanced financial risk exposure and strength.

For the 80 million Americans, social security is their only retirement income

There is a shortfall between what people have saved and what they’ll need to maintain their standard of living in retirement.

And, certainly, what Americans have put away for retirement is paltry. Unless we all start saving like crazy, the pundits say, we’ll have nothing to live on during our so-called golden years. Or we’ll all have to work into our eighties — if they let us.

But maybe we should look at it another way. For most Americans, Social Security will be their primary source of retirement income. Everything else — IRAs, 401k’s, even some old-fashioned defined-benefit pension plans — will be icing on a not-very-rich cake.

The reasons are clear. Tens of millions of Americans don’t have access to 401k’s or other retirement plans at work. And millions of families are barely earning enough to cover their current needs, let alone save for retirement.

Suggesting that Social Security will be Americans’ main source of retirement income may seem surprising; after all, the average monthly benefit is only $1,294, according to the Social Security Administration.

But it’s no surprise at all to Dallas Salisbury, president of the Employee Benefit Research Institute (EBRI), a Washington, D.C.-based group that publishes tons of research on the topic.

When I put the question to him in a phone interview this week, he said matter-of-factly: “That’s what all kinds of pensions have always been. The system always has been designed to supplement Social Security for individuals who have had continuous attachment to the labor force.”

That was true, he said, even during the so-called Golden Age when everyone supposedly clocked in for 30 years, then got a gold watch and a platinum pension check every month.

“For some people, a defined-benefit pension was Nirvana; for other people, it was terrible,” Salisbury told me. He pointed to EBRI data that showed individuals 65 and over who were in the lower 60 percent of incomes got 10 percent or less of their retirement income from traditional pension-benefit plans. That same group also depended on Social Security for up to 88 percent of income in 2010.

Indeed, the Social Security Administration reported that 64 percent of Americans ages 65 and older get more than half their income from Social Security. That’s nearly two-thirds of retirees.

It’s not difficult to see why.

Take the average monthly Social Security benefit, $1,294, and multiply it by 12 to get annual income of roughly $15,500.

How much would you have to save or invest to get that “annuity”?

Assuming a 4 percent annual withdrawal rate, I multiplied $15,500 by 25 and got $387,500. And remember, that’s per person. With an average benefit per couple of over $2,000 per month, those households would have to stash away more than $600,000 to surpass their Social Security benefits.

Unfortunately, the average U.S. household had retirement assets of $167,800 in June 2013, according to the Investment Company Institute, the trade association for the nation’s mutual fund companies.

Sarah Holden, the ICI’s senior director of Retirement and Investor Research, pointed out that Americans from 60 to 64 have on average nearly $360,000 in their defined-contribution accounts and IRAs combined.

Maximize your Social Security distribution
By delaying payments, you can increase your yearly distribution by 8 percent. Diahann Lassus shares her advice on ways to maximize your Social Security distribution.
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 Description: The amount of social security that could be taxed is based on your filing status and your provisional income. Filing status is pretty self-explanatory — usually single or married filing jointly. Provisional income requires more explanation.
  • In fact, more than 80 million U.S. workers (including part-timers and self-employed contractors) aren’t covered by a retirement plan at all, according to EBRI. It’s hard to save if your company doesn’t even have a plan.

And the nearly three-quarters of Americans who take their Social Security benefits before reaching full retirement age are leaving a lot of money on the table.

But the biggest obstacle may be that in an era of stagnating incomes, many people just don’t make enough money to build retirement nest eggs.

The table below is a rough approximation of what a typical American household earns and spends.

Courtesy MarketWatch

When you subtract food, health care, mortgage payments, taxes, utilities and other necessities, not much remains for retirement saving. I estimate well under $10,000 a year for everything else, including movies, restaurants, family vacations, car expenses, child care, braces for kids, tutoring or counseling, and saving for college.

Maybe that’s why the average working household has virtually no retirement savings, according to the National Institute on Retirement Security.

“There are different forms of saving at different points in the life cycle,” Holden explained. “As they get to middle age, they begin to focus on retirement.”

True enough, but at that point they’ll have a lot of catching up to do. Holden points out that for lower-income households, “Social Security is going to give them a high replacement rate.” That’s because they’re used to living on less.

But those who aren’t face a rude awakening when they try to live primarily on their Social Security benefits. As Holden said at a conference last weekend, “Just because you have income for life doesn’t mean it’s adequate.”

“We can never insure 100 percent of the population against 100 percent of the hazards and vicissitudes of life,” President Roosevelt declared after signing the Social Security Act in 1935, “but we have tried to frame a law which will give some measure of protection to the average citizen and to his family against the loss of a job and against poverty-ridden old age.”

Some measure of protection indeed. FDR could hardly have foreseen that eight decades later, Social Security would be the lion’s share of most Americans’ retirement income, and for many the only game in town.

 

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Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com for a lifetime retirement income, tax-free with no market risk.

Children who were exposed to anti-depressant meds the most had the highest incidence of autism

Women who take antidepressants known as selective serotonin reuptake inhibitors (SSRIs) during pregnancy may be at an increased risk of having a child with autism spectrum disorder, according to a recent study Fox News reported.

Researchers found that children who were exposed to SSRIs the most had the highest incidence of autism, Fox News reported.

“We found prenatal SSRI exposure was almost three times as likely in boys with autism spectrum disorders relative to typical development, with the greatest risk when exposure is during the first trimester,” study co-author Li-Ching Lee, an associate scientist in the department of epidemiology at Johns Hopkins Bloomberg School of Public Health in Maryland, told Counsel and Heal.

http://www.universityherald.com/

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Connie’s comments: The baby’s skull is not fully fused yet until even after a year old that any meds month before pregnancy, during pregnancy, during childbirth and during breastfeeding can affect the baby. 

For the study, researchers collected data from 966 mother and child pairs to better understand how SSRIs affect pregnancy outcomes.  Of the children studied, 800 were boys. Nearly 500 children were diagnosed with autism spectrum disorder, 154 had some form of developmental delay and 320 had developed typically.

 The SSRIs examined in the study were Celexa, Lezapro, Paxil, Prozac and Zoloft.

Researchers found that in the autism group, 5.9 percent of the pregnancies were exposed to SSRIs. In the delayed developmental group, 5.2 percent of the pregnancies were exposed to SSRIs.  They also found that exposure rate in the typically developing children group was 3.4 percent.

Investigators said that in terms of gender, boys were three times more likely to have autism if they were exposed to the antidepressants during the first trimester.

Given their findings, researchers said they hope expecting mothers consult with their doctors before taking antidepressants during pregnancy.

“It’s a complex decision whether to treat or not treat depression with medications during pregnancy,” Lee said. “There are so many factors to consider. We didn’t intend for our study to be used as a basis for clinical treatment decisions. Women should talk with their doctors about SSRI treatments.”

You can enroll in a Covered California health insurance plan only if

Now that open enrollment is closed, you can enroll in a Covered California health insurance plan only if you experience a qualifying life event. The next open enrollment period will be in the fall of 2014.
Remember, you still can enroll any time if you encounter the following:

Here are the common types of qualifying life events.

  • You get married or enter into a domestic partnership.
  • You have or adopt a child, or you place a child in adoption or in a foster home.
  • You change where you permanently live, and you gain access to new Covered California health insurance plans. This includes moving to California from another state. This also applies to individuals who are released from jail or prison.
  • You lose your health coverage. For example, you are no longer eligible for Medi-Cal, you lose health coverage through your job, or you have exhausted your COBRA continuation coverage. (Note: Not paying your COBRA premium does not qualify you for special enrollment.)
  • Your income changes so much that you become newly eligible or ineligible for help paying for your insurance. For example, if you are already getting help paying for your insurance premium, and your income goes down, you may be able to get extra help.
  • You become a citizen, national or lawfully present individual. This event applies only to people who were not previously citizens, nationals or lawfully present.
  • If you are a member of a federally recognized American Indian or Alaska Native tribe, you may enroll in health insurance or change your health insurance plan once a month even if the open-enrollment period is over.
  • You applied for health coverage before March 31 and got a denial for Medi-Cal after March 31. If you were incorrectly denied Covered California or Medi-Cal coverage, you can also file an appeal.
  • Your enrollment was wrong, due to the misconduct or misrepresentation of your health insurance company, Covered California or a non-Covered California entity (such as a Certified Enrollment Counselor).
  • Covered California can also determine, on a case-by-case basis, that you experienced an exceptional circumstance, which could allow for a special-enrollment period.

You have 60 days from the date on which the qualifying life event happens to enroll in a Covered California health insurance plan or change your existing Covered California plan. For example, if you have a child on June 1, you have until July 31 to notify Covered California, complete an application for your new child, choose a health plan and pay for it. If you do not get health coverage for your child, you may have to pay a tax penalty.

If 60 days pass and you do not sign up for health coverage, you will have to wait until the next open-enrollment period, which will be in the fall of 2014.

Keep in mind that you can enroll in Medi-Cal at any time. You do not need a special-enrollment period to enroll in Medi-Cal.

How do I enroll if I have a qualifying life event?

For many qualifying life events, you can contact me as state certified licensed broker.

How do I avoid gaps in coverage?

You will need to plan ahead to avoid gaps in health coverage. It helps to know that in general, the start date for coverage depends on the date you enroll. If you enroll by the 15th day of the month, your coverage will start on the first day of the next month. If you enroll after the 15th day of the month, you coverage will start on the first day of the second month. For example, if you enroll onJune 13, your coverage will start July 1. If you enroll on June 16, your coverage will start August 1. You can use this rule as a guideline to help plan your new coverage and avoid gaps.

Can coverage start right away?

For most qualifying life events, the start date for coverage depends on the date you enroll, as discussed in the question above. If you enroll by the 15th day of the month, your coverage will start on the first day of the next month. If you enroll after the 15th day of the month, you coverage will start on the first day of the second month.

But there are a few exceptions to the start date rule:

  • If you lose your Medi-Cal coverage, job-based coverage or other coverage, and you use a special-enrollment period, your coverage would start on the first day of the next month following your plan selection, regardless of when during the month you make your plan selection.
  • If you get married and use a special-enrollment period, your coverage will start on the first day of the next month following your plan selection, regardless of when during the month you make your plan selection.
  • If you have or adopt a child or place a child in adoption or foster care, and you use a special-enrollment period, your coverage starts on the date of the birth, the adoption or the placement for adoption or foster care.
  • On a case-by-case basis, Covered California may start your coverage earlier.

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Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com since your current health plan is not comprehensive, giving you funds in your pocket should cancer,stroke or disability occcurs.

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Avoid the stress working in corporate job. Avoid market risks in your investments or retirement savings, call Connie for tax free savings, up to 13% return with health benefits (similar to long term care insurance).

Work for your own business as financial service consultant, call Connie 408-854-1883 motherhealth@gmail.com (in 50 US states).

How not to need a McJob during retirement

People with successful retirements, filled with abundance and options, almost all have the following things in common:

  • They carry very little, if any, personal debt.
  • They have stable, secure income from multiple sources that they can set their watch by every month.
  • Starting about 10 years before they retire, they begin shifting their assets from riskier investments to low- or no-risk income assets.

A mortgage is generally the biggest debt most of us have. Many argue that you should never pay off your house because the equity you put into it is tied up and not making you money. They might recommend borrowing as much as you can now because interest rates are low. I say you can have the best of both worlds. First, pay off your mortgage before you retire. By adding small amounts directed to your principle every month, you will take months, even years off your payoff date.

When your house is paid off, get the biggest equity line of credit you can. This way, if you see an attractive investment opportunity, you can put your equity to use, and if you don’t, you have removed the pressure of a big mortgage payment in retirement. If you can pay off your mortgage while you are working, why not now shift that payment over to a solid savings or income product? This could work out to tens of thousands of extra dollars producing monthly income for when you retire.

An abundant retirement is about strong positive cash flow that you can count on for years to come.

  • Do you have any idea how much money you need to retire every month?
  • Do you know where you can get that income from?
  • Do you have enough money for home health care or long-term care?
  • Are you protected from big market downturns during your retirement years?
  • How much will inflation eat into that monthly income needed? Can You Answer These Questions?

All these questions must be part of an income plan. We calculate these for clients all over the country. First, know how much income you and your spouse will receive from Social Security when you retire. You can get an estimate from the Social Security Administration. If you believe that number is at risk because of issues with Social Security, you better start putting more away and growing it safely.

If you need $5,000 per month to retire and the Social Security for you and your spouse is only $3,500, then you have a $1,500 shortfall. Do you have a pension? How much will that be when you begin to draw it?

Do you have a 401(k) or Individual Retirement Account? How long could that account last if you need to draw $1,500 a month — $18,000 in a year? Will you have to pay taxes on what you take out? If you have a 401(k) or traditional IRA, the answer is yes. If you lose 50 percent of your capital to a bear market, how long will you be able to get $18,000 per year? As you get to be in what we call the “retirement danger zone,” which is 10 years before your projected retirement, you need to start shifting assets away from market risk and over to guaranteed products. A solid fixed indexed annuity with a long-term income rider might be a very good call. I wrote an article about the different types of annuities and how to purchase one that fits your needs.

A lifetime income rider (state and product variations exist) will guarantee that you have a certain amount of income (depending on how much you have in your annuity and at what age you start withdrawing) for you and your spouse’s life. If you live to be very old, your normal retirement funds might run out, but a lifetime income rider guarantees that income stream regardless of what happens to the underlying cash in the account. Also if you have five to 10 years, you have time for that income rider to grow.

Many income riders offer 6 percent and more guaranteed growth every year. When you purchase a $200,000 annuity, many companies might offer a 10 percent bonus on your initial purchase price so your starting amount would be $220,000. When you add compound growth at 6 percent over 10 years, your income rider would top $400,000. Then you would start to draw your lifetime income at 6 percent of the $400,000, giving you $24,000 a year income for you and your spouse’s life.

Presto! You have filled your income gap. If you have the resources to purchase another annuity, you might get one with a cost of living clause to hedge against inflation. John Jamieson is the best-selling author of “The Perpetual Wealth System

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If you need a calculation of your lifetime income base on your needs, age and current income, email Connie Dello Buono at motherhealth@gmail.com or call 408-854-1883 for your own personalized retirement plan with living benefits, no market risk, tax-free and grows up to 13%, secured and guaranteed at 2.5% without participating in the downside potential of the SP500.

If you want your own agency with team support, helping families with retirement planning call Connie.

Why Does Calcium Leave our Bones From Drinking Calcium Rich Milk?

There are 28 amino acids in nature. The human body can manufacture 19 of them. The other nine are called “essential.” We must get them from the foods we eat.

One of those “essential” aminos is methionine.

One needs methionine for many human metabolic functions including digestion, detoxification of heavy metals, and muscle metabolism. However, an excess of methionine can be toxic.

Methionine = C-5, H-11, NO, S

Methionine is a good source for sulfur. That’s the problem. Eat foods containing too much methionine, and your blood will become acidic. The sulfur converts to sulfates and weak forms of sulfuric acid. In order to neutralize the acid, in its wisdom, the body leaches calcium from bones.

“Dietary protein increases production of acid in the blood which can be neutralized by calcium mobilized from the skeleton.” {American Journal of Clinical Nutrition, 1995; 61,4}

Animal proteins contain more methionine than plant proteins. Let’s compare cow’s milk to soymilk:

Methionine in 100 grams of soymilk .040 grams
Methionine in 100 grams of whole milk

.083 grams
Methionine in 100 grams of skim milk .099 grams

Now, let’s compare 100 gram portions of tofu to meat:

(All of the meat products are lean and without skin)

Silken soft tofu: .074 grams
Hamburger: .282 grams
Hard boiled egg: .392 grams
Roast ham: .535 grams
Baked codfish: .679 grams
Swiss cheese .784 grams
Roast chicken: .801 grams

In 1988, N.A. Breslau and colleagues identified the relationship between protein-rich diets and calcium metabolism, noting that protein caused calcium loss. His work was published in the Journal of Clinical Endocrinology (1988;66:140-6).

A 1994 study published in the American Journal of Clinical Nutrition (Remer T, Am J Clin Nutr 1994;59:1356-61) found that animal proteins cause calcium to be leached from the bones and excreted in the urine.

MORE SUPPORTING EVIDENCE:

  • “Osteoporosis is caused by a number of things, one of the most important being too much dietary protein.”
    {Science 1986;233, 4763}
  • “Even when eating 1,400 mg of calcium daily, one can lose up to 4% of his or her bone mass each year while consuming a high-protein diet.”
    {American Journal of Clinical Nutrition 1979;32,4}
  • “Increasing one’s protein intake by 100% may cause calcium loss to double.”
    {Journal of Nutrition, 1981; 111, 3}
  • “The average man in the US eats 175% more protein than the recommended daily allowance and the average woman eats 144% more.”
    {Surgeon General’s Report on Nutrition and Health, 1988}
  1. “Consumption of dairy products, particularly at age 20 years, were associated with an increased risk of hip fractures… metabolism of dietary protein causes increased urinary excretion of calcium.”
    {American Journal of Epidemiology 1994;139}

Can the problem get worse? Absolutely!

The Framingham Heart Study is the largest and most exciting heart study in the history of mankind. Some of the highlights of this exhaustive 50 year study:

In 1960, Cigarette smoking was found to increase the risk of heart disease.

In 1970, high blood pressure was found to increase the riskof stroke.

During the 1980’s, high levels of HDL cholesterol were found to reduce risk of death from heart disease.

In the 1990’s, homocysteines were identified as key factors in heart attack deaths.

Homocysteines are normal breakdown products of METHIONINE and are believed to exert a number of toxic effects in the body. The senior investigator of the Framingham heart study, William Castelli, M.D. has suggested that an elevated homocysteine level is a risk factor for heart disease. The first evidence of this was published in the American Journal of Cardiology (Glueck, 1995;75:132­6).

Two recent publications resulting from Framingham data indicate a positive correlation between cardiovascular disease mortality and blood serum levels of homocysteine.Bostom AG, et. al, Nonfasting plasma total homocysteine levels and all-cause and cardiovascular disease mortality in elderly Framingham men and women. Arch Intern Med 1999; 159:1077-1080.

Bostom A.G., et. al, Nonfasting plasma total homocysteine levels and stroke incidence in elderly persons: the Framingham Study. Ann Intern Med 131[5], 352-355, 1999.

source: http://milk.elehost.com/html/why_does_calcuim_leave_the_bon.html

About Vaccines

Vaccines have been a part of the human fight against disease for more than 200 years. The worldwide vaccination campaign eradicated smallpox and immunization has eliminated polio in all but a handful of countries. Childhood vaccination has substantially reduced the morbidity and mortality from infectious diseases in much of the developed world, and yearly influenza vaccination is a commonly accepted practice worldwide to reduce the impact of the seasonal influenza infection.

While we can attribute many public health successes to vaccination, the future presents continued challenges. Diseases remain for which researchers have been unable to find effective vaccines (such as HIV/AIDS, Malaria, and Leishmaniasis) or that flourish in areas of the world where infrastructures for vaccination are poor or nonexistent and even the currently available vaccines cannot be delivered. In other cases, the cost of vaccines is too high for poorer countries to afford, even though this is often where they are most needed. And, of course, although many of the current vaccines are highly effective, efforts continue to develop vaccines that are more effective than those available today. Thus, researchers continue to explore new possibilities. Higher effectiveness, lower cost, and convenient delivery are some of the main goals.

New Development Techniques

The first vaccine—the smallpox vaccine—consisted of a live, attenuated virus. “Attenuation” means weakening a virus to the point where it can still provoke an immune response, but doesn’t cause illness in a human host.

Many of the vaccines used today, including those for measles and some influenza vaccines, use live, attenuated viruses. Others used killed forms of viruses, pieces of bacteria, or inactivated forms of toxins that the bacteria create. Killed viruses, pieces of bacteria and inactivated toxins can’t cause illness, but can still provoke an immune response that protects against future infection.

New techniques are also being employed, however, to create different types of vaccines. Some of these new types include:

  • Live recombinant vaccines
  • DNA vaccines  

Live recombinant vaccines use attenuated viruses (or bacterial strains) as vectors: a virus or bacterium from one disease essentially acts as a delivery device for an immunogenic protein from another infectious agent. In some cases this approach is used to enhance the immune response; in others, it is used when giving the actual agent as a vaccine would cause disease. For example, HIV cannot be attenuated enough to be given as a vaccine in humans—it could cause AIDS.

Starting with a complete virus, researchers identify a section of the virus’s DNA that is not necessary for replication. One or more genes that code for immunogens of other pathogens are then inserted into this region. (Each gene essentially contains instructions that tell the body how to make a certain protein. In this case, researchers select genes that code for a protein specific to the target pathogen: an immunogen that will generate an immune response to that pathogen.) For example, a baculovirus (a virus that only infects insects) can be used as a vector and the gene for a particular immunogenic surface protein of an influenza virus may be inserted. 

When the modified virus is introduced into a person’s body, the immunogen is expressed and presented, generating an immune response against the immunogen—and, as a result, against the pathogen it originates from. In addition to insect viruses, human adenoviruses have been considered as potential vectors for use in recombinant vaccines, particularly against diseases such as AIDS. The vaccinia virus, which is the basis for the smallpox vaccine, was the first used in live recombinant vaccine approaches.[1] Experimental recombinant vaccinia strains have been designed to deliver protection against influenza, rabies, and hepatitis B, among other diseases. 

DNA vaccines consist of DNA coding for a particular antigen, which is directly injected into the muscle. The DNA itself inserts into the individual’s cells, which then produce the antigen from the infectious agent. Since this antigen is foreign, it generates an immune response. This type of vaccine has the benefit of being relatively easy to produce, since DNA is very stable and easy to manufacture, but is still experimental because no DNA-based vaccines have been shown to elicit the substantial immune response required to prevent infection. Researchers are hopeful, however, that DNA vaccines may be able to generate immunity against parasitic diseases such as malaria—currently, there is no human vaccine in use against a parasite.[2]

New Delivery Techniques

When you think of vaccination, you probably think of a doctor or nurse administering a shot. Future immunization delivery methods, however, may be quite different from what we use today.

Inhaled vaccines, for example, are already used in some cases: influenza vaccines have been made in the form of a nasal spray. One of these vaccines is available every year for seasonal flu. Other possibilities include a patch application, where a patch containing a matrix of extremely tiny needles delivers a vaccine without the use of a syringe. This method of delivery could be particularly useful in remote areas, as its application would not require delivery by a trained medical person, which is generally needed for vaccines delivered as a shot by syringe.

Another issue researchers are attempting to address is the so-called cold chain problem. Many vaccines require cool storage temperatures in order to remain viable. Unfortunately, temperature-controlled storage is often unavailable in parts of the world where vaccination is vital for disease control. One of the reasons smallpox eradication was successful was that the smallpox vaccine could be stored at relatively high temperatures and remain viable for reasonable periods of time; some contemporary vaccines, however, cannot withstand such temperatures. The eruption of the Eyjafjallaajokull volcano in Iceland in April 2010 brought air traffic to a standstill in Northern Europe, including planes carrying 15 million doses of polio vaccine bound for West Africa. Officials feared that the delay in delivering the vaccines would allow polio to spread, or that temperatures in the cargo holds of the grounded planes would render the vaccines ineffective.[3]

Such situations highlight the need for vaccine materials that can be easily transported in a range of conditions and still remain viable. One possible approach to this problem was studied in early 2010 by researchers at the Jenner Institute of the University of Oxford. Starting with a small filter-like membrane, the researchers coated it with an ultrathin layer of sugar glass, with viral particles trapped inside it. In this form, the viruses the researchers used could be stored at temperatures of up to 113°F for six months without losing their ability to provoke an immune response. By comparison, when maintained in liquid storage at 113°F for just one week, one of the two viruses tested was essentially destroyed.

The researchers also demonstrated that the vaccine material could be placed in a holder designed to attach to a syringe, allowing a vaccinator to prepare the vaccine material (with a fluid medium inside the syringe) and administer the vaccine almost simultaneously.

Although this research was preliminary, it offers a promising new avenue for vaccine storage and delivery. With a stabilization method like this one, widespread vaccination campaigns may be possible in areas previously difficult or impossible to reach.[4]

The future of immunization depends on the success of medical research for vaccines that are simpler to administer, will survive transport even without refrigeration, and will provide a more substantial and long-lasting immune response. And in parallel, the continuing success of vaccines against so many infectious diseases has inspired scientists to try to use similar methods to combat diseases that remain lethal to many people, such as malaria, HIV/AIDS, and other diseases for which there are not yet vaccines. 

Sources

  1. Plotkin S, Mortimer E. Vaccines. New York: Harper Perennial; 1988.
  2. Volcanic ash delays West African polio vaccination. Updated April 20, 2010. Accessed October 2, 2013.
  3. Carvalho JA, Rodgers J, Atouguia J, Prazeres DM, Monteiro GA. DNA vaccines: a rational design against parasitic diseases. Expert Rev Vaccines. 2010 Feb;9(2):175-91.
  4. Alcock R, Cottingham M, Rollier C et al. Long-Term Thermostabilization of Live Poxviral and Adenoviral Vaccine Vectors at Supraphysiological Temperatures in Carbohydrate Glass.Sci. Transl. Med. 2010;  2(19), 19ra12.

Last update 10 Jan 2014

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Connie’s comments: I delayed the vaccine schedule for my newborn to 12m and not to start at 2m for many research reasons.

Physicians per 1000 people in the world, more pain med prescriptions after OBAMACARE

Finland, France, Germany, Austria and Switzerland have 3-4 doctors for every 1000 people while Philippines, Hongkong and other countries have 0.

http://data.worldbank.org/indicator/SH.MED.PHYS.ZS

This means that medical care is not present to some citizens of the world.  I can speak for countries such as USA, Australia, Philippines and Taiwan since I have lived in these countries in the past and still have families. In Taiwan, there is no waiting line to be seen by an emergency medical doctor. In the Philippines, it takes a day of waiting in the emergency hospital before a doctor can attend to you.

Like Cuba, in the Philippines the public hospitals are free but at times you have to pay for your own blood, medicines and other care not present in the free hospital. So in countries like these two, we only see the doctor during emergencies. There is also the absence or limited number of clinics with free condoms for the young or education for reproductive health and family planning in the Philippines.

With the OBAMACARE program in the USA, the number of prescriptions for pain medication and HIV care doubled. Healthy citizens did not flock to get OBAMACARE, only those who were not so healthy who did not have insurance or have expensive health insurance in the past.

In Australia, the government provide health benefits and subsidies to families with 2 or more children.

So please email me any feedback or observations that you might have in your country with regards to health care. Are you happy about it, what do you think should change and what can the government do in the area of health care? Email Connie at motherhealth@gmail.com

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If you live in the USA and wants access to funds up to $1.5M when cancer,stroke or disability occur, email or call Connie Dello Buono 408-854-1883 CA Life Lic 0G60621.

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