How do you avoid being in debt? How can you live in the bay area with the changing economy where half of the workers are contract-temp workers. Many workers in the bay area work two jobs to prepare for any changes in work or the economy. This way, one can avoid debts or collectors. ThoseContinue reading “Maintain a permanent and consistent employment/small business in shaky economy”
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Breast cancer rate among night shift workers, a study
Light is known to be a potent stimulus for regulating the pineal gland’s production of melatonin and the broader circadian system in humans (11,40–,42). Light not only suppresses nocturnal melatonin secretion but also does so in a characteristic dose–response manner: the brighter the photic stimulus, the greater the suppression of nocturnal melatonin (40). A recent observation amongContinue reading “Breast cancer rate among night shift workers, a study”
34-49yrs old, Generation X, challenges in retirement and income
Generation X group did not have the helicopter parents like the millennials,” explains Taylor. “And today, they have had to deal with many economic circumstances that makes them less optimistic than the baby boomers and the millennials….Taking care of their children, their aging parents, paying off their student debt, their children’s student debt. So, economically,Continue reading “34-49yrs old, Generation X, challenges in retirement and income”
Frugal habits of those who retired rich
Frugal HabitsHinchliffe: There’s lots of things that I wanted but not a lot of things that I needed. If you bought a used car, it did the same thing for you [as a new car] and you saved yourself quite a bit over a period of time. Another thing we used to do is vacations,Continue reading “Frugal habits of those who retired rich”
How to best tap your savings during retirement
What formula works best? Should you include annuities in the mix? Yes annuities should be included in the mix since some annuities with NLG/LSW has a total return after ten years of 9% with guaranteed of 2.5% depending on company quarterly data. If most people are comfortable putting money in savings accounts where they getContinue reading “How to best tap your savings during retirement”
What your poop tells you about your health
ABCs of Poop Bowel movements are the end result of your body taking the nutrients it needs from the food you eat and eliminating what’s left. “Bowel movements are important for your health because they are the body’s natural way of excreting waste from the body,” says Eric Esrailian, MD, section head in general gastroenterologyContinue reading “What your poop tells you about your health”
Your task is not to seek for love, but merely to seek and find all the barriers
Examples of Mobile Apps For Which the FDA Will Exercise Enforcement Discretion
This list provides examples of mobile apps that MAY meet the definition of medical device but for which FDA intends to exercise enforcement discretion. These mobile apps may be intended for use in the diagnosis of disease or other conditions, or in the cure, mitigation, treatment, or prevention of disease. Even though these mobile appsContinue reading “Examples of Mobile Apps For Which the FDA Will Exercise Enforcement Discretion”
65 yrs old and need to plan money withdrawals from annuities, Index UL and other plans
Investment risks by Chuck Jaffe
Investment risks by Chuck Jaffe
I suggest a risk free investment, tax free and safe with Index Universal Life policy, growing up to 13%. Email for details motherhealth@gmail.com or call at 408-854-1883. The story below gives all types of risks and their definition. —————– “What I really want to know, is where do you think I should invest now?” IContinue reading “Investment risks by Chuck Jaffe”
Do you participate in child care cooperatives?
I exchanged baby sitting service with my neighbors, friends and family. It is a good feeling to help other families in times of need, especially when they have little ones. You can hear many families in the bay area struggling with high cost of babysitting, day care and preschools/day care. I was fortunate that IContinue reading “Do you participate in child care cooperatives?”
Good logic of cash withdrawal for retirement
Cost of waiting
A 45-yr old doctor who bought an IUL policy for cash accumulation, health benefits and death benefits vs a 47 yr old doctor. ———- Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com CA Life Lic 0G60621 for an IUL policy with tax free accumulation with living benefits for terminal, chronic and critical illness added at no costContinue reading “Cost of waiting”