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

Marketplace

Soon

408-854-1883 text

Marketplace

Soon

Book an Appointment

Affordable in home care | starts at $28 per hr

Protect the final return of your investments from taxes

Investment Return  [Your final investment return after 25 years is $500k after initial investment of $100k and $10k annually.] But what about taxes?  Will it be around 50%

Rate of return

This is the annually compounded rate of return you expect from your  investments before taxes. The actual rate of return is largely dependent on the  types of investments you select.  The Standard & Poor’s 500® (S&P 500®)  for the 10 years ending Dec. 31st, 2012, had an annual compounded rate of return  of 7.1%, including reinvestment of dividends. From January 1970 through the end  of 2012, the average annual compounded rate of return for the S&P 500®,  including reinvestment of dividends, was approximately 10.1% (source:  http://www.standardandpoors.com). Since 1970, the highest 12-month return was 61% (June  1982 through June 1983). The lowest 12-month return was -43% (March 2008 to  March 2009). Savings accounts at a financial institution may pay as little as  0.25% or less but carry significantly lower risk of loss of principal balances.

It is important to remember that these scenarios are hypothetical and that  future rates of return can’t be predicted with certainty and that investments  that pay higher rates of return are generally subject to higher risk and  volatility. The actual rate of return on investments can vary widely over time,  especially for long-term investments. This includes the potential loss of  principal on your investment. It is not possible to invest directly in an index  and the compounded rate of return noted above does not reflect sales charges and  other fees that Separate Account investment funds and/or investment companies  may charge.

———————–

If you want to protect your final investment income tax-free (in 50 US states), contact Connie Dello Buono CA Life Lic 0G60621

408-854-1883

motherhealth@gmail.com

1708 Hallmark Lane San jose, ca 95124

Self-care by Cheryl Richardson

Cheryl Richardson’s most recent video explored the common  challenges we all face in taking care of ourselves. Which challenge resonated  most with you?  Were you surprised to  know that we all seem to struggle with the same challenges?  Isn’t it nice to know you are not alone?
Cheryl wants to share some more empowering tips about the  art of extreme self-care with you!
Take a moment and fill in the blank:
I feel deprived of ____________ (write down the first thought  that comes to mind).

  • Sleep
  • Emotional support
  • Time to myself
  • Physical energy
  • Companionship
  • Intimacy with my partner or spouse
  • Peace – you worry all the time
  • Hope – you’re afraid things won’t get any better
  • Touch – you miss affection and closeness with  those you love

Wouldn’t you like to feel full and content again?  Wouldn’t it be nice to take time to refill your  emotional, physical and mental reservoir without feeling guilty? We thought so  and that is exactly what Cheryl wanted and what prompted her to write her book,The Art of Extreme Self-Care.  Cheryl understands what feeling deprived  means. She has experienced these same challenges to self-care and has learned  how to say no when she needs to, how to set healthy boundaries, and how to take  care of her needs first.  That’s also why  she feels compelled to share what she has learned with you.  Here are three more bonus tips to help you learn how to care  for your needs:

  • Say, “I love you” in front of a mirror every day  – no matter how silly or foolish you feel doing it.
  • Always take time before responding to a request  – just say, “Let me get back to you on that.”
  • When someone is rude to you, try this – stop and  acknowledge what just happened, take a deep breath and say what’s on your mind  using “I” statements.

These are just a few of the lessons Cheryl offers in her  book, The Art of Extreme Self-Care.                 What you really need during transformation, as Cheryl found  out, is support, encouragement and accountability and that is why she created a  12-lesson course, The  Art of Extreme Self-Care, to help you learn how to put yourself first and  release the guilt of being good to you!   During this 12-lesson course, learn how to:

  • Choose the one thing you want to change that  would bring the most benefit to your life
  • Say “yes” to your needs without feeling guilty
  • Set healthy boundaries and stand up for yourself  in a graceful, loving way
  • Create a healthy sleep routine to increase  energy and for an overall sense of well-being
  • Say “no” and the importance of an ‘absolute no  list’
  • Respect and protect your own sensitivity
  • The power of letting go
  • Build your own Extreme Self-Care kit

And more, more, more! PLUS, get the support you need and  your questions answered during the 12-lesson course!  It’s like having your own personal coach by  your side.
Set yourself up to succeed by enlisting a good friend, or  better yet, enlist a group of like-minded people to accompany you on your journey  of self-care.  You don’t have to go this  journey alone!

You are here to live, to love and to be joyful.   Let’s enjoy this journey together!

When Planning For Retirement by Lowell Herr

If you have made debt a part of your everyday life, you need to get rid of it as soon as possible, before you find yourself in retirement. Remember that during retirement, you don’t work for income. Whatever amount of money you get is through pension funds, and investment flow is not a regular source of income, and will be diminished at some point of time. Thus you can’t afford to use them up very fast.

Your retirement lifestyle in general should be subdued, not be laden with luxury. Moreover, you should ensure that you have adopted debt reduction strategies to at least diminish a great deal, if not completely do away with, your debts. You should also plan for your retirement from now onward. The best way to finance your retirement is to opt for an investment plan. A good investment portfolio can see you through your retirement years. Read on to know the steps you should take to ensure you have a proper retirement investment plan.

  1. Evaluate your risks. It is very important that you understand your risk tolerance level before you venture into an investment portfolio. This risk tolerance is not only emotional risk tolerance, but also financial. You should consider the sources of income you are likely to have, and the amount of risk that you can handle. Then you should allocate your assets based on the appropriate amount of risk that you can take and venture to make a portfolio.
  2. Decide on your post-retirement lifestyle. You should estimate your expenses after retirement, after considering the expenses you incur now. This you can do by considering the goals you want to accomplish. You have to approximate your monthly expenditures, which include insurance premiums, utilities, travel expenses and other daily expenditures. It is recommended by most financial experts that you draw out just about 4% of your assets in the first year of retirement, and then adjust according to inflation.
  3. Get assistance if you need it. Assessing your financial situation and thereby making a plan is not an easy thing to do. You might need help to carry this out. You can take help of online calculators that are available free of cost, and tools that can help you determine your expenditure pre- and post-retirement. You may also seek professional help from counselors who may give you one-time session or a long-term wealth management plan, depending on your choice.
  4. Consider the potential income streams. One of the foremost things to do while building a retirement portfolio is to consider income streams that can cover the expenses you will incur. The withdrawal rate can be diminished by adding money from income streams such as businesses and websites. Other sources of income can include any pension, inheritance and Social Security. You should evaluate your investment portfolio carefully and decide whether you would need to transfer some of your assets into investments such as stocks and bonds that generate income through dividends. Annuities are also a good source of income after retirement.
  5. Consider taxes. Taxes are an omnipresent part of your life that may not leave you even after retirement. You should do proper research and find out that some investment accounts, such as Roth accounts, don’t require you be taxed on withdrawals. However, there are many traditional investment accounts that grow tax-deferred. This means that when you make withdrawals from these accounts, you will be charged taxes as if they were regular income.

————

CPA, tax preparer and investment advisors love to work with us. We work in the asset protection side, no fee in our services as retirement planners and are more conservative with long-term outlook. Call Connie Dello Buono CA Life Lic 0G60621 for free tax free retirement planning at 408-854-1883 motherhealth@gmail.com in 50 US states.

Reading numerology life path = 1 , believing in myself

You have a great faith in yourself that often achieves result despite great odds … yet at the same time, has you often accused of having an enormous ego. However, in your defense, it is that enormous ego that gives you the daring and courage to change everybody’s life for the better.

You have probably been born into one of two life paths. Either you have been born into wealth and privilege and coddled by lucky circumstances into becoming “great” in some way or you are thriving despite great challenges such as poverty and war. The number 1 is the number of the hero and this is why you find many disabled as well as super achievers (such as military leaders and business magnates) born under this life path number.

You are also usually blessed with good health, vitality and endless inspiration. Your number is very connected with the divine and you often feel especially connected to God or your subconscious mind. However, as you are such an individualist, this insistence on listening to your hunches often make you appear irrational or even insane to others, that is, until the direction of your gut instincts pays off and all benefit.

Although you are capable of rising to great heights when it comes to career or athletics, you are also capable of great falls. However, as you are also an innovative and resourceful individual you have the uncanny ability to “make lemons out of lemonade” and start again from scratch.

Despite your main personally blessing, you might also feel as if you face more challenges or obstacles in life than others do. Karmically, many number 1’s spend their early years learning not to be dependent on others as fate throws difficult relationships and situations their way. If you feel cursed or that you have a bad luck, that is very characteristic of number ones whose life lessons are usually about “letting go”, “releasing control” and  “overcoming great odds.”

As a number 1 you may also need to watch a tendency towards arrogance or over confidence. Many number ones stumble early in life because they have a habit of biting off more than they can chew.  Often you are perceived as odd, controlling or self-centered by others. However often these are traits are forgiven as others also recognize that your talents outshine those of the ordinary mortal.

Of all the numbers, you are the one that values individuality, privacy and ethics more than anything.  This is why so many of you become business, political and spiritual leaders. You tend to have faith in yourself, more than you do others, and make a better leader than a team player. You are best suited to occupations that allow you to work on your own or be the big boss.

Being a number 1, you are also likely to achieve some measure of fame in your life. This is because you are destined to be “the one that is loved by all” as opposed to  “the one that is loved by one other.” It sometimes takes number ones a lifetime to  realize that being adored by many is not such a bad thing.

Detox foot spa balances the body’s ph towards a more alkaline system, removing toxins

A detox foot spa equalizes the positive and negative ions in the body, making it more alkaline and removing toxins along the way.  Take  minerals supplements after the detox foot spa.

Cleanse Your Body With A Detox Foot Spa

– BY diann keller

 Detoxification is a popular pursuit in this day and age. In industrial society, we are exposed to many more toxins every day than our ancestors ever dreamed of. As a result, people have turned to detoxification, processes designed to draw out and eliminate toxins from the body. Everything from detoxifying powders to the detox foot spa have been tried with varying results. In many cases, it is not the process for the detoxifying itself that is so important as the quality of the detoxifying products and system.

Why Is Detoxification Important? 
Over time, our bodies take in many unhealthy products. The air we breathe can be affected by industrial pollutions such as factory smog, air exhaust and cigarette smoke. The food we eat is often processed and may contain unwanted chemicals and even carcinogens. If we drink or even bathe in tap water, we may be subjecting ourselves to even more chemicals. The idea behind detoxification is to get these chemicals, toxins and impurities out of the body so that they cannot do damage to our organs and bring on a host of unwanted health conditions.

What Are the Best Methods of Detoxification?

Medical procedures like dialysis can detoxify the blood, but this is an extreme solution that is usually not time or cost-effective. Certain diets also claim to detoxify the body. These diets may have some beneficial effects, but they can also have unwanted side effects, and once the diet ends, as it inevitably will, the body’s toxin status will revert to normal. One alternative is an ionic detoxifying process such as the one offered by the Optimum Focus detox foot spa.

How Can You Cleanse Your Body with a Detox Foot Spa?

To cleanse your body with a detox foot spa, all you have to do is go to >Optimum Focus and order one of their ionic celluar cleansing detox foot bath systems, as well as a foot bath tub and preferably Himalayan salts. The system will come with instructions, but the basic idea is putting your feet in a tub which contains water, Himalayan salts, and the Optimizer Water Module, which is connected to the Optimum Focus power unit. Turn it on, and for about 35 minutes the Optimizer Water Module will work to fill your body with charged ions, with the intent of both boosting your lymphatic system so that it is easier for your liver to turn your body’s toxins into execrable waste, and of causing impurities to be released through your feet into the bath itself. Try it for yourself and see if you don’t look and feel healthier and happier.

Prevent banckruptcy or foreclosure when health threats occur

The following are health threats:.  cancer, stroke or disability that can wipe out your life’s savings. There is a Life Policy where 3 riders come free, added at no cost with access up to $1.5M when health threats occur (directly to your pocket). Contact Connie Dello Buono 408-854-1883 CA Life Lic 0G60621 at motherhealth@gmail.com 1708 Hallmark Lane, San Jose, CA 95124 for more info.

The Accelerated Benefit Riders 1, 2 and 3 are no cost riders that allow accelerated payment of up to 100% of the policy death benefit. The actual payment amount under any of the riders is discounted. The benefit payment is the actuarially discounted value of the death benefit being accelerated less a pro rata portion of any policy debt.

All qualifying events may not be available in all states. Be sure to seek legal and tax counsel before exercising the benefits available under this rider.

ABR 1- Terminal Illness, gives the policyholder the option of receiving the death benefit early if the insured is terminally ill. Terminal illness is expected to result in death within two years (one year in PA, CT, NY or VT). All or part of the death benefit may be requested early (lump sum).

ABR 2 – Chronic Illness, is available when the insured is diagnosed as chronically ill:

  • Unable to perform two of six activities of daily living – bathing, continence, dressing, eating, toileting and transferring without assistance, or
  • With deterioration or loss in intellectual capacity (cognitive impairment). Provides the option of receiving the death benefit in periodic payments after a 90-day waiting period. The maximum monthly amount that can be accelerated is 2% of the death benefit. ABR 2 must be in-force for two years before the benefits are available.

ABR 2 – Continuous Confinement, is available when the insured is diagnosed as continuously confined to an eligible institution, like a nursing home, and is expected to remain there for the rest of their life.

ABR 3 – Critical illness, is available when the insured experiences one of the following qualifying events:

  • Heart attack
  • Stroke
  • Diagnosis of cancer
  • Diagnosis of end stage renal failure
  • Major organ transplant
  • Diagnosis of ALS (Lou Gehrig’s disease)
  • Blindness (both eyes, corrected vision of 20/200 in both eyes)

Retirement Planning Dos and Donts every M-F in Mt View

Understanding IRAs Individual Retirement Accounts

Understanding Annuities

What is my potential estate tax liability

What your savings could grow to, an estimate

Social security retirement income husband and wife

How much will I earn in my lifetime

Leasing a car is better than buying

Lump Sum today is more beneficial for you

2013 Federal income tax estimate married filing separately

How Much Do You Need For Retirement

Should I convert to Roth IRA – Is A Roth IRA Right For You

What your savings could grow to Taxable vs Tax Deferred

10yr grandchild gets $1m at 71 taxfree retirement savings

1yr grandchild gets $1m at 66 taxfree retirement savings

Free seminar on tax free retirement planning on Mon to Friday in the Peninsula. Call Connie 408-854-1883 motherhealth@gmail.com clubalthea.com

Silicon valley leads income of $108k per yr according to DICE

SV Leads at $108k per yr income per Dice_TechSalarySurvey_2014

1. Silicon Valley: $108,603 in  2013 YR/YR CHANGE 7.2%

2. Baltimore /Washington DC: $97,588    in 2013  -0.3%

3.   Los Angeles: $95,815 in 2013  + 15

Others:

Hartford   $87,265 2.5%  16

Minneapolis  $87,227 -1.3% 17

Phoenix  $87,114  4.2% 18

Chicago $86,574  1.7% 19

Raleigh $85,559  2.3% 20

Sacramento $85,100  -5.6% 21

Portland  $84,295  -5.6% 22

Cincinnati $83,537  10.1% 23

Detroit $81,832  6.9% 3.6%

—————-

There is gold at the end of the rainbow for those who wanted no glass ceiling in their income, email and call Connie 408-854-1883 motherhealth@gmail.com It is in the financial arena, only be willing to connect with more people, share the crusade of max wealth and min taxes and you can start as part time referral agent in 50 US states.

Muffin for mind and body healing made from left over carrot juicing

CAM00472

CAM00471

CAM00470

CAM00469

CAM00468

CAM00467

CAM00466

Coconut, carrots, nuts, maple syrup Muffin for the mind and body

Stir with love the liquid and dry mixture and bake for 20 min. Enjoy with your love ones or friends.

  •  Liquid mixture: coconut oil,left over carrots shreds from carrot juicing, nuts,maple syrup,eggs hormone-free,almond milk,vanilla syrup, dried blueberries, cranberries, raisins, pecans, almond slivers
  •  Dry mixture: gluten-free flour, palm brown sugar, cinnamon, baking powder, baking soda

Prepared by Louisa Ip and Connie Dello Buono 2014

People do not care how much you know until they know how much you care

Let others feel your caring ways

In the end, a friend is sealed with loving and tender care

Helping your neighbors and friends who someday will help you too when you are in need

Give a loving support to a teen or child who needs to be validated and heard

Let your wisdom be used in caring ways, to give the needed advice for a person suffering or ill

Let your caring hands touch another skin to heal and boost his/her immune system

Only then, they will acknowledge your presence when you put the effort to help in caring ways

Give love and care because you count in a village promoting peace, harmony, prosperity and love.

Connie Dello Buono, single mom of two teens

Health and Finance coach in the bayarea

http://www.clubalthea.com

408-854-1883

motherhealth@gmail.com Email for health and finance coaching

———-

Copyright © 2026 KRM Digital Solutions