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 planContinue reading “Retirement Threats by Connie Dello Buono”
Category Archives: money
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
Are you accumulating assets or debts? Financial Planning 101
You have spent years at school and now getting promoted at work after 6 yrs. You started to own brand name cars and a bigger house, bigger credit card debts and have no savings. Do you know who you are working for? Is it Y OU or I O U ? Habits of the rich: theyContinue reading “Are you accumulating assets or debts? Financial Planning 101”
Financial Planningfor Chronic Disease: Parkinson’s Disease
One of the issues many older adults face is learning to live with a chronic disease (in many cases, having to learn to live with more than one chronic disease). A chronic disease is a serious illness that develops over time. It may be managed but is unlikely to be cured. Parkinson’s disease is a chronic condition. Other examplesContinue reading “Financial Planningfor Chronic Disease: Parkinson’s Disease”
Some companies are not providing 401k retirement plan
There is a better than 401k retirement plan with tax-free IUL index strategy with zero market risk that grows up to 13% and living benefits added free (access to $1.5M when stroke, cancer, or disability occurs). If you want to protect your wealth from 50% taxes after accumulation and from market risks, call Connie Dello BuonoContinue reading “Some companies are not providing 401k retirement plan”
Success breeds success while failures make us self-confident and tenacious
If you agree on the above statement, please comment or email motherhealth@gmail.com If we want to be leaders, we act like one and we then we become one. Our thoughts define our destiny. We have to let positive thoughts empower us to the next level. Do you want to go to the next level inContinue reading “Success breeds success while failures make us self-confident and tenacious”
Cut costs in bank fees, home/car insurance, dining, and more
Cut costs in bank fees, home/car insurance, dining, and more
Cut costs , save more Home/Car Insurance and Financial Fees Save almost $600 a year Some credit cards sock you with fees of $30-plus, the FDIC reports, if you’re even a day late with your payment. Say you have a bad math week and bounce a check—that’s a fortune right there. Stay on top ofContinue reading “Cut costs in bank fees, home/car insurance, dining, and more”
John Bogle’s book- The Little Book of Common Sense Investing, a review by Trent
Chapter 1: A Parable You can read this first chapter in its entirety on John Bogle’s personal site, but suffice it to say that much of the chapter focuses on a retelling of Warren Buffett’s classic tale of the Gotrocks and the Helpers. In a nutshell, the point of the tale is that individuals thatContinue reading “John Bogle’s book- The Little Book of Common Sense Investing, a review by Trent”
How others treat you is their Karma and how you respond is your karma
We worry a lot and are feeling nervous or in a wreck We act as a result of our irrational reaction from outside forces And then some of us do not react but hides in a corner, internalizes the event As if the world ends, but it only affect our body functions like a fightContinue reading “How others treat you is their Karma and how you respond is your karma”
Five Money Personalities, speaking about love and money relationship by Scot and Bethany Palmer
Chapter One When Love and Money Collide It all starts with the vows: for richer or poorer. We stand up at our weddings and recite those vows fully expecting that we will happily stand by each other, no matter what. We have big dreams about the life we’re starting with this person we love soContinue reading “Five Money Personalities, speaking about love and money relationship by Scot and Bethany Palmer”
Preschool, home school, Montessori elementary, the “Outliers” book for the success of our children
As working parents, we have to choose quality child care and schools. I was fortunate to have a public Hammer Montessori elementary school in San Jose when my children now 17 and 19 where young. My nieces and nephews in the Philippines go to a private school simply because the elementary schools have no budgetContinue reading “Preschool, home school, Montessori elementary, the “Outliers” book for the success of our children”
Re-evaluate your spending
Riding a bike to work could save you hundreds, if not thousands, of dollars a year on transportation costs. Tired of ending every month in the hole with no idea where your hard-earned money went? It may be time to re-evaluate your spending. In a recent Reddit thread, users shared their best tips for quicklyContinue reading “Re-evaluate your spending”
Retirement planner for bay area doctors and health pros , lessons learned
As retirement planner for our bay area doctors and health professionals, I have learned many things in helping them maximize their wealth, minimize taxes and have access to funds when health threats occur. The average working and earning years is between 40-70 yrs old. They seek retirement planning advice after 3 to 5 years workingContinue reading “Retirement planner for bay area doctors and health pros , lessons learned”