My story of finding healing and financial steadiness

Working more than 3 jobs or business allows me to be financially strong , not at the mercy of losing an 8-5 job. I would have 30 plus more years to live on this planet but I wanted to ensure that I learned my lessons and just focus on what helps my body be healthy with no meds, maintain weight, sleep a little longer and still be able to travel with friends to see nature and my outside world.

What I would tell my 24 yr old daughter before reaching her 50 yr old self. Save for retirement early, buy only the essentials, don’t waste time, dance and love some more, spend time with nature, jog and run and walk more in the sun, gain more friends, be true to yourself, don’t be fooled by others, learn from your mistakes. So many things I have to tell her. I think I already did. She loved thrift stores and I taught her to love others, her grandparents, relatives and more. I can cry thinking that maybe I forgot to teach her how to avoid the many regrets I have but she has grown to be a better version of me. So early to know what career she wanted to be in, she is even focusing on govt jobs of teaching in the state of California for the benefits, long term and security. She followed her passion.

For all the women before and after me, I learned from them too. Share with each other lessons you learned and so that together we can be each other’s guide as we navigate widowhood, singlehood and being able to walk at 95 and take less meds than others.

Women born during the Baby Boom are likely to be widowed by age 67 and to remain a widow for 15 years or longer.
And the sandwich generation, caring for their parents and their children at the same time.
Helping women plan their future finances, life insurance, retirement savings and estate planning, Connie 408-854-1883 connie@connielifeins.com
Events that have an impact on the finances of women:
Marriage – have your own separate finances or be educated about finance, taxes and money
Children – have college savings, car and other opportunities of learning and growth to guarantee their future success
Divorce – can be independent during divorce, moving forward to live in practical and minimalized ways
Job change – securing income during 6m or more a year of job change; finding other sources of income and learning job skills
Widowhood –
Retirement, access to death benefits during chronic and terminal illness, guaranted retirement income from cash accumulation in life insurance and annuities until 94
Estate Planning
Tips to stay on the top of these life events: Healthy living, financial literacy, living in simple means/minimalist, learning new hobbies and ways of increasing income, social support system, and preparing in advance.

Solar panels are important when you have an electric car or planning to buy one, you have a swimming pool, children, near schools, don’t want to pay 10% yearly increase from PGE, don’t use coal and save the planet instead, have new roof added to solar financing of 0 down and cut your electric bill in half. Text 4088541883 to save on electric bill and save for your retirement savings instead. Email or text pages 1-4 of your PGE bill and get a solar proposal in an hour. Commercial and residential solar programs available in CA, TX, FL, HI, NM, AZ, CO and other states. Now hiring solar reps and wealth mgrs with life insurance license. Canvassers needed in your neighborhood. Referral fees available for remote job or be a solar broker now.

Solar in California by 2045

With solar roof panels, you can be rest assured that you will not be experiencing an average yearly increase of power bills from PGE by an estimated 10%. There are currently only about 10% of homes are powered by solar and will soon double by end of this year especially for homes with electric cars, near schools and commercial establishments. California also leads the nation in the number of homes which have solar panels installed, totaling over 230,000. Many were installed because of the Million Solar Roof Initiative.

The U.S. installed 3.8 gigawatts (GW) of solar PV capacity in Q3 2020 to reach 88.9 GW of total installed capacity, enough to power 16.4 million American homes.

The Net Metering Program began to help set up homes for solar. New smart meters were ordered by the state government to be changed for each home in California by the utility companies. The new meters track positive credits and energy usage when energy is being produced from the home.

The first two projects to use net metering were an apartment complex and a solar test house in Massachusetts in 1979. Minnesota is commonly cited as passing the first net metering law, in 1983, and allowed anyone generating less than 40 kWh to either roll over any credit to the next month, or be paid for the excess.

San Diego Gas & Electric switched over to NEM 2.0 on June 29, 2016, and Pacific Gas & Electric on December 15, 2016. Southern California Edison didn’t reach its cap and switched over on July 1, 2017. In short, since July 1, 2017, all major investor-owned power utilities in California operate under NEM 2.0.

There is a no cost solar equipment under a Power Purchased Agreement, PPA, where the customer agreed to a flat rate with annual escalator of 2.9, about half a penny each year.

There is also a solar financing, where you can add the new roof loan and or Tesla battery in the solar financing. With solar financing, you can avail of the 26% tax incentive be subtracted from your solar financing amount if you qualify based on your income.
The investment tax credit (ITC), also known as the federal solar tax credit, allows you to deduct 26 percent of the cost of installing a solar energy system from your federal taxes. The ITC applies to both residential and commercial systems, and there is no cap on its value.

California Sets Goal Of 100 Percent Clean Electric Power By 2045Solar panels are mounted on the roof of the Los Angeles Convention Center on September 5. The state’s governor has signed a landmark bill setting a goal of 100 percent clean energy for the state’s electrical needs, by the year 2045.

Email and text Connie to have solar powered house in California, Texas, New Mexico, Florida, Hawaii, Colorado, Arizona and other states at 408-854-1883 , . Your savings can be used to power up your retirement savings, estate creation and asset protection.

Increase your home value with solar, no house lien, transferable agreement, warranty and maintenance from solar carriers, 0 upfront cost, get new roof added to solar financing, and more benefits. Own it after 5 years , financing for 10 or 25 years or just used it with PPA for 25 years.

You may add in the financing, the Tesla battery ($15k cost) or not in California.

Save the planet and save for your retirement in one with solar. We are hiring solar reps and wealth managers with life insurance license.

Pay from 0.33 cents per kWhr to 0.16

Solar power without loans and lease or upfront cost but using PPA, power purchase agreement can reduce your delivery charges and electric bill. There is no house lien, although a good credit score is needed to qualify. There is no upfront cost and all risks, maintenance and warranty are shouldered by the solar carrier and installer.

The old program on solar is replaced by one that removes the headaches in solar power in homes in major cities.

Email your PGE bill or account number to for a proposal.

Solar carriers generate power on your roof and earn from it, so you don’t have to own one ad just purchase at a lower cost.

Save money with solar so you can save money for your retirement savings. 408-8541883 for your life insurance and retirement plan. We serve individuals and business owners.

Hiring caregivers in Hayward California

Now hiring caregivers in Hayward care home.

Helping bay area care homes and nursing homes. Email your resume to

Helping bay area care homes, nursing homes and homeowners with 0 upfront cost solar power agreement to reduce electric bill by half (estimate). 408-854-1883

Helping bay area care home business owners with retirement plans.

Helping bayarea seniors with home care assistant or caregivers Minimum of 4hrs. Live in or hourly home care. 4088541883

Helping seniors, 60 yrs and over with final expense whole life insurance, non medical.

Helping bay area move to safer retirement savings plan from 401k/IRA to annuity.