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

Rumi’s poems, mystical, passionate,soulful

Moving Water

When you do things from your soul, you feel a river

moving in you, a joy.

When actions come from another section, the feeling

disappears. Don’t let others lead you. They may be blind or, worse, vultures.

Reach for the rope of God. And what is that? Putting aside self-will.

Because of willfulness people sit in jail, the trapped bird’s wings are tied,

fish sizzle in the skillet.

The anger of police is willfulness. You’ve seen a magistrate

inflict visible punishment. Now see the invisible.
If you could leave your selfishness, you would see how you’ve
been torturing your soul. We are born and live inside black water in a well.
How could we know what an open field of sunlight is? Don’t insist on going where
you think you want to go. Ask the way to the spring.

Your living pieces will form a harmony. There is a moving palace that floats in the air with balconies and clear water flowing through, infinity everywhere, yet contained

under a single tent.

——-

esthers art fingerpaintingThere is a community of the spirit.

Join it, and feel the delight

of walking in the noisy street

and being the noise.

Drink all your passion,

and be a disgrace.

Close both eyes

to see with the other eye.

From Essential Rumi by Coleman Barks
———–
Out beyond ideas of wrongdoing and rightdoing,

there is a field. I’ll meet you there.

When the soul lies down in that grass,

the world is too full to talk about.

Ideas, language, even the phrase each other
doesn’t make any sense.

Everyone is a millionaire in Norway

OSLO (Reuters) – Everyone in Norway became a theoretical crown millionaire on Wednesday in a milestone for the world’s biggest sovereign wealth fund that has ballooned thanks to high oil and gas prices.

Set up in 1990, the fund owns around 1 percent of the world’s stocks, as well as bonds and real estate from London to Boston, making the Nordic nation an exception when others are struggling under a mountain of debts.

A preliminary counter on the website of the central bank, which manages the fund, rose to 5.11 trillion crowns ($828.66 billion), fractionally more than a million times Norway’s most recent official population estimate of 5,096,300.

It was the first time it reached the equivalent of a million crowns each, central bank spokesman Thomas Sevang said.

Not that Norwegians will be able to access or spend the money, squirreled away for a rainy day for them and future generations. Norway has resisted the temptation to splurge all the windfall since striking oil in the North Sea in 1969.

Finance Minister Siv Jensen told Reuters the fund, called the Government Pension Fund Global, had helped iron out big, unpredictable swings in oil and gas prices. Norway is the world’s number seven oil exporter.

“Many countries have found that temporary large revenues from natural resource exploitation produce relatively short-lived booms that are followed by difficult adjustments,” she said in an email.

The fund, equivalent to 183 percent of 2013 gross domestic product, is expected to peak at 220 percent around 2030.

“The fund is a success in the sense that parliament has managed to put aside money for the future. There are many examples of countries that have mot managed that,” said Oeystein Doerum, chief economist at DNB Markets.

Norway has sought to avoid the boom and bust cycle by investing the cash abroad, rather than at home. Governments can spend 4 percent of the fund in Norway each year, slightly more than the annual return on investment.

Still, in Norway, oil wealth may have made the state reluctant to make reforms or cut subsidies unthinkable elsewhere. Farm subsidies allow farmers, for instance, to keep dairy cows in heated barns in the Arctic.

It may also have made some Norwegians reluctant to work. “One in five people of working age receives some kind of social insurance instead of working,” Doerum said, despite an official unemployment rate of 3.3 percent.

Your estate goes to your heir, charity or government

I have an IUL Life policy to leave a sum of money to my children. I did this to allow them to live life’s challenges with ease, start a business, pursue a career or a downpayment to their dream house. With a stroke of a pen you can leave an estate, even at $250 per month.

Marriage in the old times was used to protect assets, inheritance, land ownership or properties. When we die in the USA, our estates or assets either go to our heirs, charity or the government.

Tax-free is an important consideration when long term savings and investments are at stake. My estate allows me to accumulate, withdraw or distribute it tax-free to any of my projects or heirs. Whether you are 60 yrs old or 30 yrs old, working your hard earn money, choose wisely. It costs me $4000 when I withdraw my money less than 2yrs after I open an IRA. There is a yearly limit to an IRA or 401k whereas my IUL policy can be used by anyone from 1 to 80 yrs old with higher limits than a Roth IRA or 401k.

In Taiwan, the average person saves about $7,000 per year while in the USA, an average person has around $7,000 in credit card debts.

Some of our young generation are spending wisely, using thrift stores, delaying the buying of a car, going to city colleges instead of expensive colleges or universities and many more smart ways they spend and use their money.

What will be your 2014 smart money saving trick?  Email motherhealth@gmail.com

————–

We are now hiring part time retirement planners in 50 US states who has or will pass the Life and Health Insurance test. Call Connie Dello Buono 408-854-1883 , motherhealth@gmail.com , CA Life Lic 0G60621. 1708 Hallmark Lane San Jose, CA 95124

——————–

Nominate yourself, a BFF or BMF to win a trip to Prague 2015, $15k value

Win a financial and health make over in 2015. Email motherhealth@gmail.com to win a trip to Prague in 2015. Required to nominate 12 BFF or BMF who will receive a free health and financial makeover.

The way you view money and wealth will have an impact on your financial outlook this 2015.

The way you perceive money as a tool to achieve happiness and bring about change in your life will affect the way you succeed in life.

Examine your motivations and goals in reaching your financial freedom.

What will it take to change your perceptions about money?

Email motherhealth@gmail.om your favorite books that have influenced the way you view money and succeed in life.

——————-

Call Connie Dello Buono , 408-854-1883 for 13% return in indexed annuities and index Universal Life Policy ( IUL , tax-free retirement . strategy) CA Life Lic 0G60621. 1708 Hallmark Lane San Jose, CA 95124

$10,000 to the educator nominated before Jan 24,2014

Nominate an educator at www.nationallifegroup.com and he/she will receive $10,000. Do this before Jan 24,2014.

As teachers, we have shared our passion for seeing to it that our students grow each day.

We see the spark from their eyes when they learn something new.

We see their happiness when they solve a problem or pass the test.

We also see them sad inside a classroom when unhappiness surround them at their homes.

We can also laugh and cry with them, for they are our children when inside the classroom.

To hope that their bright future awaits them.

And that they will be ready for whatever challenges are thrown their way.

As we are their teachers, showing them the path and preparing them to live and be significant.

————–

We are hiring part time or retired teachers in the financial arena with full training in 50 US states. Call Connei Dello Buono 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621.

7 ways Americans pay taxes by Alexander E.M. Hess

1. Income taxes

Income taxes can be charged at the federal, state and local levels. At the federal level, the amount paid depends on a number of factors, including income and marital status. Lundeen noted the U.S. has a progressive tax system, consisting of seven tax brackets. He added, “for each additional dollar in a new bracket, you pay that bracket’s tax rate.” There are also a number of credits. For one, the Earned Income Tax Credit (EITC) gives a tax credit to low and moderate earners.

State income tax structures vary considerably. Some states, such as Florida, do not levy an income tax at all. A few states use a single income tax rate, while many states apply different tax rates depending on income.

2. Sales taxes

Sales taxes are taxes on goods and services purchased. These are usually calculated as a percentage of the price paid. Sales taxes vary by state, and even by municipality. In some states, there are no sales taxes at either the state or local level. Other states and local authorities can charge a hefty amount. In Tennessee, for example, consumers can pay as much as 9.44% in sales taxes when combining state and local taxes, according to the Tax Foundation. In 12 states, sales taxes are higher than 8%. Sales taxes are often considered to be regressive, meaning lower-income individuals and households spend a greater proportion of their earnings to pay the tax, compared to higher income residents.

3. Excise taxes

Excise taxes are similar to broad sales taxes, except they are charged on specific goods. States typically tax certain purchases, including gas, cigarettes, beer and liquor. Excise taxes are frequently levied on so-called “sin products,” and often are intended not only to help raise money, but also to deter unhealthy behaviors. The federal government also collects such taxes, including 18.4 cents per gallon on gasoline and 24.4 cents per gallon on diesel fuel, as well as a 10% charge for tanning services. Excise taxes are often combined with sales taxes on a single purchase. According to Lundeen, in many cases a sales tax is paid on top of an excise tax.

4. Payroll taxes

Both employees and employers have to pay the Social Security tax, one of two payroll taxes. For the Social Security tax, employees pay 6.2% of their wages, and employers match that for a total contribution of 12.4%. In 2013, the maximum earnings subject to the tax were $117,000. In 2011 and 2012, the amount employees had to contribute briefly declined to 4.2% of wages, as part of a payroll tax holiday designed to encourage people to spend more and boost the U.S. economy.

A similar tax also exists for Medicare. Both employees and employers are required to contribute 1.45% of wages, or 2.9% in total, to fund the program. Unlike Social Security, there is no maximum taxable wage. In fact, since last year, workers who earned more than $200,000 had to contribute an extra 0.9% of their wages to the program.

5. Property taxes

Property taxes are usually imposed to fund local services. According to the Tax Foundation’s Lundeen, these taxes are based on the property’s market value, and are most often levied on real estate, but can also apply to other property, such as cars. In many instances, these taxes are deductible. However, according to the IRS, property taxes on real estate are only deductible if they are used to promote the “general public welfare,” but not if they are used “for local benefits and improvements that increase the value of the property.” Many homeowners also qualify for a mortgage interest deduction.

6. Estate taxes

The IRS defines an estate tax as “a tax on your right to transfer property at your death.” The estate tax is controversial, as it is seen by some as a penalty for dying. Cash, securities, insurance, real estate, and business interests are among the items considered part of an estate. However, for individuals, only estates exceeding $5.34 million are taxed by the federal government. Most Americans, therefore, are exempt from paying the federal estate tax. The highest estate tax rate charged at the federal level is 40%.

Estate taxes are also often levied at the state level. While states frequently use lower rates, they also often have lower exemptions than the federal government’s $5.34 million cutoff. Some states have an inheritance tax, where the rate you pay depends on your relation to the deceased.

7. Gift taxes

The gift tax is similar to the estate tax, in that it is a tax on transferring wealth. One important difference is that gift taxes involve two living people, Lundeen added. The federal government also has a far lower exemption level for the gift tax than it does for the estate tax. All gifts over $14,000 are taxable, with the tax usually being paid by the donor. If the donor does not pay, however, the recipient must foot the bill. The highest gift tax rate is 40% of the taxable gift amount. This tax applies not only to cash, but also to gifts like company shares or cars. Last year, Minnesota became the second state to implement its own gift tax, following Connecticut.

Correction: An earlier version of this article stated that recipients paid taxes on gifts. In fact, while the recipient is legally obligated to pay the tax if the donor not, the tax is generally paid by the donor.
Without a pension? Move to smaller nest, investment income and savings

Make income investments. Non-pensioners and corporate pension holders with household incomes of $100,000 or more have an average of $438,000 in investable assets, versus $313,000 for those with government pensions. Putting those assets to work in income-producing investments, such as annuities and bonds, may make sense.

Move to a smaller nest. The average non-pensioner has considerably more home equity–$168,000—than the average pensioner. To tap into that equity, those without pensions should plan on downsizing.

Save during the good times. During their working years, 30% of non-pensioners and 24% of people with private pensions have incomes that vary from month to month. In contrast, only 13% of government workers experience variable incomes. Those with variable incomes should bank the excess they receive in flush months, says Varas. Among retirees who manage to save ten times their income by the time they retire – a threshold associated with a financially secure retirement about 64% employed such a strategy.  Save at 13.5% return, tax free, safe and secured with access to funds during health threats, contact Connie Dello Buono CA Life Lic 0G60621, 408-854-1883 ; motherhealth@gmail.com , 1708 Hallmark Lane San Jose CA 95124

 

A $9,000 lost by each American from the 2008 recession, by Rick Newman

The U.S. economy might finally bounce back for good in 2014, springboarding the nation out of five years of stagnation. So if you feel like we’re still in a recession, are you imagining things?

Not at all. In fact, some economists think we’re in a kind of faux recovery that masks deep harm still being done to the economic prospects of millions of Americans. Brad DeLong, an economist at the University of California, Berkeley, and a government policymaker during the Clinton administration, wrote recently that, “unless something returns the U.S. to its pre-2008 growth trajectory, future economic historians will not regard the Great Depression as the worst business-cycle disaster of the industrial age. It is we who are living in their worst case.”

Worse than the Depression? By most measures, the economy has been weak since 2008, but not nearly as ruinous as in the 1930s. But DeLong has crunched some numbers in a way that helps explain why many people still feel they’re falling behind, even with an economy that has supposedly been growing every year since 2010.

GDP began to decline in 2008, and it wasn’t until 2010 that it reclaimed the 2008 peak. Adjusted for inflation, GDP peaked in 2007 and didn’t reach that level again until 2011. DeLong goes one step further, adjusting GDP for both inflation and population growth, to capture the state of the economy most people actually feel. By that measure, real (inflation-adjusted) GDP growth per capita won’t reach the 2007 peak until sometime in 2014.

A lower output

The growth in real economic output per person has averaged about 2% per year for the past century. So if growth has been essentially zero for the past seven years, says DeLong, output is 14% lower than it would have been had the economy been growing at normal rates.

Such statements tend to leave ordinary people wondering, “So what?” But DeLong has addressed the so-what question. That output gap, he says, amounts to about $9,000 per person each year in terms of money not spent on goods and services that could have made people’s lives better. That’s roughly equal to a year’s worth of mortgage payments on a $200,000 home. For a family of four, the lost output adds up to about $36,000 per year — the equivalent of a fully loaded Ford Fusion sedan. And the per capita output gap is likely to get even bigger if growth continues on the current trendline.

That doesn’t mean everybody would have automatically become wealthier if not for the 2008 financial meltdown and corresponding recession. Median incomes had been stagnant for nearly a decade by the time the recession hit, on account of factors such as globalization and the digital revolution. The divide between haves and have-nots had been widening, too, with highly skilled technocrats generally prospering and lower-skilled workers in fading industries falling behind, perhaps never to catch up.

Even if that $9,000 in per capita output hadn’t disappeared, it wouldn’t have been divided evenly among all Americans. The wealthy probably would have captured more of it, the poor less. And it’s always tricky accounting for what didn’t happen, since it’s impossible to know what else might have occurred to make things better or worse.

But DeLong’s calculations help explain the sense of backsliding many Americans seem to feel. In 2007, during the prior peak for real GDP, the Conference Board’s consumer-confidence index was around 91. Today, with the total level of real GDP higher, it’s at 78. Back then, 27% of poll respondents told Gallup they were satisfied with the way things are going in the United States; in the latest poll, only 20% felt this way.

Still, it could be worse. A recent study by two prominent Harvard economists, Ken Rogoff and Carmen Reinhart, found financial crises such as the one that erupted in 2008 usually produce worse downturns than what we’ve experienced. Rogoff and Reinhart are controversial because of some mathematical errors in a previous study of debt-ridden nations, but they are still considered premier chroniclers of finanicial panics. And on average, they find, such panics cut per-capita real GDP by 9%, requiring 6.7 years for the economy to recover. The latest crisis, by their account, caused only a 5% decline in GDP, followed by a six-year recovery.

So take heart: Had the 2008 crisis been a more like a “normal” one, your family might have lost a Mercedes rather than a Ford.

———

Save tax-free, retirement savings at 13%, safe and guaranteed at 2% with access to funds during health threats. Call Connie Dello Buono 408-854-1883 ; CA Life Lic 0G60621 motherhealth@gmail.com for IUL or indexed annuities ; 1708 hallmark lane san jose ca 95124 . Save $240k more at $750 per month and add $10k more for first year to speed up the growth of your retirement income, even at 60 yrs old. We are hiring part time retirement planners in 50 US states. Life and Health license required.

Pictures, video, music tops the blogging world with 20% increase in new blogs

More people connecting and sharing ideas, pictures, videos and more bloggers , about 20% increase in WordPress alone. The world is changing in the way they exchange ideas. What is the impact, more empowered people ready to make a change.  With more information, more neurons being built by our brain as we process and learn new ways.

Use your brain or lose it. Prevent Alzhemier’s disease by preventing injuries, using more of our brain and avoiding toxicities around us.

We now know some root causes of major health problems:

Obesity boosts the risks of developing diabetes, setting the stage for coronary heart disease.

Joint injuries often lead to osteoarthritis while brain injuries increase the chances of developing Alzheimer’s disease.

Allergies can aggravate the pulmonary system, causing asthma and increase the odds of suffering from autoimmune disease.

We cry and laugh from the letters and stories we heard in the internet.

Let’s share more..

 

———————-

Please refer me to those who wants 13% return in their savings, safe and secured, tax-free with access to funds during health threats. Connie Dello Buono 408-854-1883 ; motherhealth@gmail.com , CA Life Lic 0G60621 ; 1708 Hallmark Lane San Jose ca 95124

I am hiring in 50 US states for part time retirement planners and life insurance agents.

 

 

8 Ways Women Control How Happy their Marriages are by Jenna Birch

A wonderful marriage depends upon a lot of things. But the biggest factor just may be you. A new study from the University of California, Berkeley, showed wives tend to control the happiness of their unions, especially when it comes to diffusing conflict. “Women have more influence than they realize,” says marriage therapist Carin Goldstein, creator of BeTheSmartWife.com. “Men are reactive, while wives are introspective and take a more effective approach.” Beyond disagreements, you’re likely to be more adept at helping your marriage in the following areas. Photo by Getty Images.

1. With the in-laws. Besides having an innate desire to nurture relationships, “women are typically better at picking up familial nuances and dynamics,” says Match.com relationship expert Whitney Casey. That’s why it makes sense for you to take the lead on connecting with in-laws. Set times to spend with them (and apart from them) and establish what is and isn’t acceptable with them-and between your husband and them. But it’s not your job to repair flawed relationships your partner might have. Instead, “love your husband through his family issues and do your best to keep him and your children happy,” Casey recommends.

2. With sex. No, we don’t mean only you should call the shots during the deed. To love your sex life, you must “discuss what you both expect,” Casey explains. Since women are usually more comfortable tackling sensitive topics, start the conversation. And if you’re not getting busy as often as you’d like, casually plan on it after scheduled date nights; guys don’t set sexy time in advance because they think the lack of spontaneity takes the “sexy” right out. To feel sexier and enjoy yourself more, prep for a romp with “a manicure, massage or even yoga,” Casey suggests-anything that gets your mind off daily tasks.

Related: Discover 8 secrets of sexually satisfied couples.

3. With travel plans. Women are natural planners-“it’s the gathering mentality,” Goldstein explains-so if your last vacation alone with your husband was your honeymoon, consider getting away again. Goldstein says trips are the most overlooked way to rev your relationship. “Women don’t do it because they’re afraid to leave the kids or afraid they won’t have fun with their spouse,” says Goldstein, who assures these fears are almost always overblown. Sometimes, you need special, focused time to reconnect as a couple-even if you can swing only a night or two away.

4. With conversation. While you’re a pro at gabbing with your girlfriends, men don’t generally share their feelings. Yet it’s a good emotional release for your husband. But he’ll open up only if the atmosphere is right, which is something you can enable. “Men take in information in small doses,” says clinical psychologist Andra Brosh, PhD. “They shut down when overwhelmed. Timing is everything.” Right after any stressful situation, like work, is not the golden hour for chatting. “Ask him if there’s a good time to talk,” Dr. Brosh says, and assure him you don’t have anything serious to discuss so he doesn’t worry.

5. With housework. Little-known fact: Most men want to be useful to their wives. Still, studies show women oversee family chores more often than guys. If you’re not getting the assistance you’d like from your man, “calmly tell him where you need help and why,” advises marriage and family therapist Erin Foster, EdD. “Husbands often don’t know how they can help, and therefore do nothing rather than do something wrong.” He’ll appreciate the hint and likely start pitching in.

6. With time apart. To grow together, you must tackle your personal needs as they arise. But you’re better than he is at detecting when you need a break from each other. Be the one to call timeout. “Time apart creates healthy space for each partner to actually miss the other,” Dr. Brosh says. It can rejuvenate your relationship-and yourself. So plan that girls’ spa trip, and suggest he see his buddies. When you return home, show your man just how happy you are to be back.

7. With the kids. Science says women naturally exhibit maternal instincts, but men may need a nudge into the parenting fold since they see “strong mother-and-child bonds” right from pregnancy, says Dr. Foster. She suggests encouraging your husband to establish loving norms with the kids, from gentle discipline to daddy-daughter/son dinners. “This creates a sense of safety within the family unit,” Dr. Foster says. “When children know what’s expected of them from parents working as a team, they’re less likely to act out.” And that reduces conflict between you and your husband, she adds.

8. With shaking things up. Novelty is the key to a happy relationship, and men especially crave it. “Routines are nice, and why many people want to be in a relationship, but they can also be binding and lead to complacency,” says Dr. Brosh. Concoct a way to connect that you’ll both enjoy-going on a day trip, seeing a concert or simply sneaking up behind him for a long, lingering embrace. The bottom line: Occasionally, just do something unexpected.

Copyright © 2026 KRM Digital Solutions