Losing weight and saving tax-free for a lifetime retirement income.
Losing weight and saving tax-free for a lifetime retirement income
Artwork by Esther Dello Buono, social responsibility combining environment and technology
To compare and contrast between losing weight and saving for retirement is similar and contrasting in some ways. We can get the applause of anyone upon seeing how we become healthy and fit and do not get any noticeable difference if we have saved enough for our future. Although, I think in both cases, we are happy and contented. We feel that the two most important things in life, health and wealth are in order.
We need a health coach to remind us the steps we have to take each day to reach our goal of an ideal weight for our age, body needs, lifestyle and other personal/health/genetic needs.
We need a finance coach to educate us of the avenues that we can save for a lifetime retirement income that is tax-free and can be our legacy for the next generation, with money that can be electronically transferred to our retirement account on a monthly basis.
We need a partner to walk, dance, exercise and be finance savvy.
It takes a village to achieve our goals of losing weight and saving for retirement. We should keep our dreams alive each day. We do not want to be sickly when we age or go back to a low paying job during our retirement years.
We do not want to be broke and helpless during our retirement age.
Let us start choosing the right healthy foods each day and save 10% of our savings away for a tax-free retirement with no market risk.
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Please email your weight goals and retirement saving goals to motherhealth@gmail.com or call Connie 408-854-1883 for a personalized coaching.
Call or email Connie for a webinar this Sat and Sunday on lifetime tax-free retirement and an overview about financial planning and tax-free retirement will be held at American Canyon this Saturday afternoon.
Are we giving in to cancer? by Rita Redberg
DESPITE great strides in prevention and treatment, cancer rates remain stubbornly high and may soon surpass heart disease as the leading cause of death in the United States. Increasingly, we and many other experts believe that an important culprit may be our own medical practices: We are silently irradiating ourselves to death.
The use of medical imaging with high-dose radiation — CT scans in particular — has soared in the last 20 years. Our resulting exposure to medical radiation has increased more than sixfold between the 1980s and 2006, according to the National Council on Radiation Protection & Measurements. The radiation doses of CT scans (a series of X-ray images from multiple angles) are 100 to 1,000 times higher than conventional X-rays.
Of course, early diagnosis thanks to medical imaging can be lifesaving. But there is distressingly little evidence of better health outcomes associated with the current high rate of scans. There is, however, evidence of its harms.
The relationship between radiation and the development of cancer is well understood: A single CT scan exposes a patient to the amount of radiation that epidemiologic evidence shows can be cancer-causing. The risks have been demonstrated directly in two large clinical studies in Britain and Australia. In the British study, children exposed to multiple CT scans were found to be three times more likely to develop leukemia and brain cancer. In a 2011 report sponsored by Susan G. Komen, the Institute of Medicine concluded that radiation from medical imaging, and hormone therapy, the use of which has substantially declined in the last decade, were the leading environmental causes of breast cancer, and advised that women reduce their exposure to unnecessary CT scans.
CTs, once rare, are now routine. One in 10 Americans undergo a CT scan every year, and many of them get more than one. This growth is a result of multiple factors, including a desire for early diagnoses, higher quality imaging technology, direct-to-consumer advertising and the financial interests of doctors and imaging centers. CT scanners cost millions of dollars; having made that investment, purchasers are strongly incentivized to use them.
While it is difficult to know how many cancers will result from medical imaging, a 2009 study from the National Cancer Institute estimates that CT scans conducted in 2007 will cause a projected 29,000 excess cancer cases and 14,500 excess deaths over the lifetime of those exposed. Given the many scans performed over the last several years, a reasonable estimate of excess lifetime cancers would be in the hundreds of thousands. According to our calculations, unless we change our current practices, 3 percent to 5 percent of all future cancers may result from exposure to medical imaging.
We know that these tests are overused. But even when they are appropriately used, they are not always done in the safest ways possible. The rule is that doses for medical imaging should be as low as reasonably achievable. But there are no specific guidelines for what these doses are, and thus there is considerable variation within and between institutions. The dose at one hospital can be as much as 50 times stronger than at another.
But we still have a long way to go. Fortunately, we can reduce the rate of medical imaging by simply avoiding unnecessary scans and minimizing the radiation from appropriate ones. For example, emergency room physicians routinely order multiple CT scans even before meeting a patient. Such practices, for which there is little or no evidence of benefit, should be eliminated.
Better monitoring and guidelines would also help. The Food and Drug Administration oversees the approval of scanners, but does not have regulatory oversight for how they are used. We need clear standards, published by professional radiology societies or organizations like the Joint Commission or the F.D.A. In order to be accredited for CT scans, hospitals and imaging clinics should be required to track the doses they use and ensure that they are truly as low as possible by comparing them to published guidelines.
Patients have a part to play as well. Consumers can go to the Choosing Wisely website to learn about the most commonly overused tests. Before agreeing to a CT scan, they should ask: Will it lead to a better treatment and outcome? Would they get that therapy without the test? Are there alternatives that don’t involve radiation, like ultrasound or M.R.I.? When a CT scan is necessary, how can radiation exposure be minimized?
Neither doctors nor patients want to return to the days before CT scans. But we need to find ways to use them without killing people in the process.
Keep breathing, says a 103 yr old arthritis expert
By Sam Whiting
On Monday, March 24, Dr. Ephraim P. Engleman turns 103. He doesn’t come into the office on Mondays, but the next day he’ll be driving the Cadillac Eldorado up from his home in San Mateo to UCSF Medical Center in Parnassus Heights.
Q: When was the last time someone asked to see some ID?
A: A couple of months ago, a policeman pulled me over. I had just barely gone through a red light. He asked for my driver’s license. He saw my date of birth and said, “Oh, my God.” Then he said, “Go ahead, forget it.”
Q: It’s not too often I get to ask a 102-year-old what his latest project is, but here goes.
A: A book that I wrote called “My Century.” It’s a mix of medicine and music.
Q: Can you remember when you were 2?
A: My good mother was anxious for me to be a great violinist. When I sat on the potty, she had before me music notes. I learned to read music before I could read the English language.
Q: Is this book being marketed through social media?
A: We’re suggesting that if people want it, they should send a check ($19.95) to our office and we’ll send them the book. It is also on Amazon. The proceeds don’t go to me. They go to our arthritis research here.
Q: Describe your occupation?
A: The University of California San Francisco has three major research laboratories concerned with arthritis and rheumatic diseases. We are called the Rosalind Russell/Ephraim P. Engleman Rheumatology Research Center at UCSF.
Q: Do you still see patients here?
A: Not many, but yes.
Q: How do you let them know that you are 102 years old?
A: I don’t. But as a matter of fact, most of them already know it.
Q: How long have you been in this office?
A: About 20 years. I have a view of everything. I’ve been at UCSF since 1948.
Q: Of all the household inventions you’ve seen, which do you remember the best?
A: I don’t know when radio first came on, but that had a great impact, and certainly television. This whole Internet business has had an impact. I don’t understand it, myself. I have a computer in my office, but I don’t handle it. My secretary handles it.
Q: What about the automobile?
A: I don’t know if it was the first, but I remember the very, very early days of the Ford.
Q: Do you have some retirement years left in you?
A: I hope not. I have no intention of retiring. I’m going to stick around as long as the university will have me and as long as I have it upstairs (points to his head).
Q: Where did you grow up?
A: San Jose.
Q: First job?
A: Working in a theater in San Jose. It was the opening of the new Fox California Theatre. It was a brand-new movie house. I had just graduated from San Jose High School, 1927. The local union needed a violinist for the orchestra in the theater and that was my first job. Those were the days of silent movies with an orchestra in the pit.
Q: What do they call you for short?
A: Eph (pronounced Eef). I’ve had that since high school.
Q: When was your last high school reunion?
A: There was a reunion, not just of my class but the whole high school, six or seven months ago.
Q: Were you the only member of the class of ’27 to attend?
A: You bet.
Q: Where did you go to college?
A: I graduated from Stanford in 1933, then I went to medical school at Columbia.
Q: Book on your nightstand?
A: About a 19th century violinist by the name of Joachim. I’m about to write an article about a violin that was owned by him. It’s for a magazine called the Strad.
Q: Favorite vacation spot?
A: My wife and I don’t travel much, although we just returned from Hawaii last week.
Q: Tell me about your wife?
A: She’s a wonderful lady named Jean. We’ve been married 72 years. My book is dedicated to her. She’s 98.
Q: Brothers and sisters?
A: I have one brother who is 16 years younger and lives in Palm Springs.
Q: You guys go forever. What’s the trick?
A: I have 10 tips to longevity in the book. Want me to read them?
Q: Maybe just No. 1.
A: “Be sure to select parents with the right genes.” Want me to go on?
Q: How about tip No. 10?
A: “Be happy and lucky but most important, keep breathing. This is absolutely critical to longevity.”
Q: When can we expect an updated edition of “My Century”?
A: When I’m 105.
Lessons from successful professionals, a message to our 25-35yr old starting a career, hobby or business
It is wise to learn our lessons from those who walked before us. Who had been successful in their business, job or chosen career. Those who found satisfaction and love in what they do.
Here is an excerpt of my interview with a successful life insurance agent.
1. What do you like in your profession?
Answer: I like that I can build relationships, network with a variety of people, choose the people I can work with and meet their needs.
I like that I can provide meaningful financial product that can be an important asset and protection for families.
2. If you are going to start again, what would you choose?
Answer: I will choose to be coached early on, to plan my daily tasks and to choose the success lists that I can follow through to the path of success
3.Would you like to own your own agency?
Answer: Yes, I like to own my own business or agency especially if I have support from a team of expert or senior people and be guided early on in building my business.
4.Would you like to offer a product that is the current trend in retirement savings to all your clients?
Answer: Yes, I have the obligation to serve the client’s needs first and offer only products that can help them now and in the future.
5. What defines success to you?
Answer: Success is that feeling of satisfaction within you that you have accomplished what you have set out to do and have an impact to others.
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If you want to own your own retirement planning agency, call Connie Dello Buono 408-854-1883 motherhealth@gmail.com A team in 50 US states will be there to support and mentor you and ensure you build your organization successfully.
Act now to review your retirement savings before you pay taxes
Act now to review your retirement savings before you pay taxes
Join us this noon for a webinar that will review your retirement savings and act on cutting taxes to save your wealth.
Venue: gotomeeting (Note: Please download gotomeeting ahead of time.)
https://global.gotomeeting.com/meeting/join/896840485
ID: 896840485
password: success2014
Email Connie: motherhealth@gmail.com
Limited to: 25 attendees
Time: 12:15 to 1:00pm PST
Date: March 19,2014, Wednesday
Learn retirement threats, retirement savings tax-free and what your options are based on your current income and retirement needs.
Know how much you can safely allocate each month from your net income to protect your wealth from taxes, market risks, health threats and more.
Email Connie the following to give you your own personalized tax free retirement savings plan: age, savings each month ($500 or more per month), how many more years to work (15 or more years), when to draw funds from retirement savings (20 or 25 yrs from now), how much needed during retirement years ($50k or more per year) and estimated assets (house,income,life insurance) to determine the face value of your permanent life insurance based on your current assets.
Email Connie for the recorded webinar, a new schedule and the powerpoint presentation.
$6k tax deferred investment or $100k tax free savings
A 48 yr old tax payer wants to avail of the tax deferred plan for her tax return and asked her tax preparer what to choose. Whether to choose a $6k tax deferred savings or save at least $100k from taxes for her future savings by saving inside an Index Universal Life policy with investment feature of overfunding for lifetime retirement savings (return from 8-13%, guaranteed at 2.5%).
We tend to see the picture now and not the future consequences of our actions. Saving tax free from withdrawal and accumulation or growth means that you are saving half of your future wealth. If that means saving 50% in taxes from your total fortune of say $200k, you are actually putting $100k more into your pocket and not Uncle Sam, not your real uncle.
Young savers in their 30s love stocks or real estate for the high return but not the high risk. Older savers in their 60s wants long term savings with low risk but not a return of 0.7% like most CDs do.
So what to choose, a low risk with return of around 8-13%, liquid and guaranteed at 2.5% and most of all zero market risk with index strategy of investing only in upside potential locking gains and principal and a tax-free retirement savings to last a lifetime. With a stroke of your pen, you leave an estate tax-free for the next generation and in case of any health threats during your lifetime, you can access up to $1.5M in to your pocket.
Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com for a tax-free retirement savings to last a lifetime with all of the above features. Money with you for 35 yrs at least and unlike the 401k, which can only last for 8 yrs.
Calling all active/inactive Life insurance agents in 50 US states, have your own agency at no cost but gain field trainers and unlimited training and support to grow your agency in 50 US states, with full leverage of your organization. Unlike other business owners, whose business depends on their presence, with your own agency that is fully leveraged, you can go on vacation every 3months for 1 month.
Our children should know the value of savings, we can start them even at 1yr old and introduce them to a low risk, tax free way of saving for their future.
Is a tax-free lifetime income during retirement possible?
Investment under an Index Universal life policy per IRS code 7702 is tax free because you already paid taxes when you started saving from your net income. This means that half of your wealth cannot be taken away from you, not even by an estate tax. Would you like to know how you can start at 30 yrs old, 40 yrs old, 50 yrs old or even at 60 yrs old?
Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com
1708 Hallmark Lane San Jose CA 95124
Call if you used to be licensed Life and Health agent and wanted to own your own agency in 50 US states.
Calm and smart baby, healthy pregnancy from childbirth author
Do you want to have smart and healthy babies and a healthy pregnancy, labor and birthing?
Come join us for a two-hour session and learn everything about childbirth, babies and mothers.
Classes on childbirth, breastfeeding, baby care and more will be conducted by Connie Dello Buono, author of Birthing Ways Healing Ways in San Jose between Branham and Meridian.
Call Connie 408-854-1883 motherhealth@gmail.com for details. Limited to 6 couples per session.
Time: 7-9pm Mon-Fri and afternoon of Sat and Sun
Cost: $100 per couple, discount of $20 for inviting another couple
What to bring: yoga mat, blankets, pillows, massage oil, potluck, music, socks, birth ball, rice sock,
Free: ebook on chilbirth and free massage tips for baby and mom
Other classes are on-going at same location or via a webinar:
- Starting your own retirement planning agency (webinar)
- Tax-free retirement plan, free seminar (one on one)
- Marketing your business, using the web and email (writing and closing sales) (webinar)
- Zumba and belly dance lessons (group of 8)
Retirement Threats by Connie Dello Buono
Retirement Threats by Connie Dello Buono
Taxes,Spending unwisely,Market Risks,Health threats,and No asset protection are the major threats to our retirement plan.
Taxes
About 40-50% of our retirement savings (401k/IRA) go to paying taxes:federal,state,penalties,and capital gains. We are taxed in many ways: income, sales,estate,capital gains,others.
Tax-free retirement plan using IUL
The way to protect our retirement savings is a tax-free retirement plan that is using an Index Universal Life Insurance (IUL), a permanent life insurance with investment or retirement savings that is tax-free per IRS code 7702. We already paid taxes in the form of income taxes so that we can keep our money when it grows and when we use it during retirement.
Market Risks
The crash of the stock market affected half of our 401k/IRA and investments. There is an Index strategy, an investment strategy in an IUL that does not participate in the downside potential of the market. Our savings or investments in an IUL has no market risks to gain with our principal and gains are locked when the market is down.
Spending Unwisely
Instead of saving for our retirement, we have not controlled our spending as we do not track how we spend our hard earned money. We should allocate saving at least 10% of our income when we are in our 30s, 15% when we are in our 40s and 20% when we are in our 50s to prepare for long life and a comfortable retirement since we could no longer depend on our Social Security benefits. Spending is one of the greatest threat to our retirement. An electronic fund transfer to our retirement savings each month will help control our spending habits.
Health Threats
We can go bankcrupt with most of our assets at risks when cancer,stroke or disability occurs. With LSW’s Index Universal Life policy with added living benefits at no costs, we can access funds from $100k to $1.5M when terminal,critical or chronic illness (cognitive impairment) occur. This is similar to a long term care insurance added to an IUL policy at no cost.
No Asset protection or IUL policy
With a stroke of a pen, we are leaving an estate to the next generation. We work more than 2 jobs to leave an estate to our children or prepare for a comfortable retirement. The cheapest way to leave a big estate is with a permanent life insurance like an Index Universal Life policy with investment.
Let me help you with a retirement threat protection, call Connie Dello Buono CA Life Lic 0G60621 as we have agents in 50 US states at 408-854-1883 and also email at motherhealth@gmail.com with offices in 20 California locations and other locations in 50 US states.
1708 Hallmark Lane, San Jose, CA 95124
Expenses you cannot deduct as a business owner per Pub 535
- bribes and kickbacks
- charitable and political contributions
- demolition expenses or losses
- dues to business, social, athletic, luncheon, sporting, airline and hotel clubs
- lobbying expenses
- penalties and fines you pay to a government agency
- personal, living and family expenses
- repairs that add to the value of your property or significantly increases its life
Executive Social Mixer in San Jose
You are invited to mix and mingle with executives and successful Silicon Valley executives at www.sanjoseclub.com today and next Wednesday at 5:30pm. Call Connie 408-854-1883 or email motherhealth@gmail.com
When business owners were asked how they started their business, most of them answered thru networking and by word of mouth referrals.
Some small business owners complained of the lack of time to relax since in their absence their business will not run. There are many ways we can learn from each other and to build relationships that will help each other grow the business and still do the things we are passionate about.
Please email me any related stories about building relationships, networking and pains in growing your business.
We can all learn from each other and focus on the things that will make us all successful. Time is very important especially for the baby boomers who are late in entering the business ownership world.
