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  1. Find caregivers in the bay area and other health care teams for older adults. 408-854-1883 24-hr response. Free referrals to senior communities and care homes in the bay area. Free health education on the following topics: Senior care, Alzheimer’s, Parkinsons, Brain Health and personalized diet plan.

  2. Parkinson’s disease (PD), a neurodegenerative disease of the substantia nigra, was first discovered and its symptoms documented in 1817. This discovery and docomentation was by British physician Dr. James Parkinson. It wasn’t until the 1960’s that the associated biochemical changes in the brain of patients were able to be identified. Although many genes have recently been identified, there are still several others that remain unkown. Parkinson’s disease involves a progressive movement disorder of the extrapyramidal system. The extrapyramidal system controls and adjusts communication between neurons in the brain and muscles in the human body. As you can see this is a huge, and important task. PD will commonly coincide with depression and disturbances of sensory systems due to the damage that it has on the brain. Aprroximately one out of every 600 people have Parkinson’s disease in the United States of America. The rates increase with age, especially apparent in those over 55.”

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  3. Prevent cancer and lose weight by detoxifying estrogen from the body. High estrogen levels and problems eliminating it are well known to result in prostate and breast cancer. Estrogen is a problem for men as well as women due to multiple factors, especially the huge amounts of chemical estrogens we are exposed to in our daily lives. Did you know that there are chemical estrogens in plastic bottles, cosmetics, shampoo and personal care products, oil-based coatings, pesticides, and animal hormones?-

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  4. Interesting… I keep this herb in my herbal ‘medicine cabinet’ for tick bites. I have read about it’s effectiveness against lyme and know people who’ve successfully used it as one component in an advanced lyme protocol (that worked, gave them their health back). For me personally I make anyone with a tick, or symptoms similar to lyme take it along with ‘salt’, or sodium bicarbonate mixed with potassium bicarbonate (in water), which I have also read can bore holes in the lyme spirochete’s exterior.

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  6. Before the year ends, learn from your accountant, tax preparer or financial planners about ways to a tax free retirement. Contact 408-854-1883 for referral to a retirement savings coach.

  7. Contact Connie 408-854-1883 to learn about 2013 and future retirement strategies with tax free accumulation and distribution and full living benefits (access to funds for terminal, critical or chronic illness from $100k to $1.35M).

  8. Here are comments from others:
    The article also fails to discuss various options for married couples where the higher SS eligible person files for SS but suspends receiving their check. This then allows the spouse to receive spousal SS checks while continuing to accrue their own SS benefits.
    Nothing more than Political BS so that you don’t get your money out while the getting is good. That is like waiting until 70 and the breakeven is into the 80s. Check you family longevity and your health. At the end of your life why do you need more money any way. Let the Govt. pay for your healthcare. In addition SS will be out of business. Take your money and run.
    No, the money goes to the Social Security Trust Fund. THEN, the Federal government borrows it, throws another IOU into the vault, and life goes on.
    Many old people have tough physical and/or mental jobs requiring much energy & effort. Alot of their peers are younger so they get compared to them.
    Also, in my case, my 2 bosses are barely 50, they made the comment that I make too much of my age. Since I am retiring at 63 1/2, I just said ” can’t respect your opinion on age since you are nowhere near my age.” When I was 50, I could do everything they “expect” from me now & I just physically can’t do it. I thought of putting in an age discrimination suit after that comment, but I don’t need the hassle of that. I will just let HR know what was said in my exit interview (they are big on what mangers say to their employees.)
    I started to keep track of our household expenses a few years before I reached 62. Opportunity presented itself – a few months prior to I reached that point, our group was involved with a company-wide resource-action and after giving it some thought, I decided to take early retirement – that way, as soon as my employment ended, early pension plus 6-month worth of severance pay would help me bridge to my early SS benefit. My wife later received her spousal SS benefit when she reached 62. It turns out either my pension or my SS benefit alone would be sufficient to cover our monthly expenses – which leaves the other source of income plus my wife’s SS benefit as extra. All in all, it leaves our nest-eggs intact which we intend to pass it along to our offspring so that when they reach their retirement, they would be less stressful. BTW, on my death, my wife would be able to receive half of my pension and my SS benefit. I understand as this article suggested, every household’s situation all different. So good luck to everyone.

  9. Another comment:
    BIG warming to anyone thinking of taking early retirement — this is the biggest scam Washington has ever put over on us 62 year olds…I was out our work and felt I had to take early retirement at age 62 to pay my bills…but I also knew I’d have to continue to work…I earned too much money and now owe SS tens of thousands of Dollars…I have bills and did NOT want to file for bankruptcy…I was trying to do the right thing…Washington has passed bills that penalize us for taking early retirement…WHY? It’s my money…by taking early retirement, you get less monthly for the rest of your life…so I have ALREADY paid my penalty…why penalize me more? We should be able to collect early retirement without any penalties…I put this money back into the economy to help create jobs and KEEP jobs…I have written to my representatives and to the White House…NO ONE CARES…this is a massive scam Washington has put upon us…these penalties need to be repealed…but no one cares…no one cares…

  10. The SCOTUS has ruled SSI is a privilege, not a right, when the money runs out, the people are entitled to nothing. All the people that died before they reached retirement age paid too, but they and their estate got nothing. All you are entitled to is what the government decides to give you, which will never keep up with inflation, because government is the cause of inflation.

    My Parents did and do pay into it, The boomers are going to suck it dry, nothing is going to stop that. You think the economics of SSI work, when people pull out 3 times what they pay in, and when 40% of young adults today, the people supposed to fund the thing for the boomers, are living in their parents basement.

    Once you pay a tax, the money stops being yours, it belongs to the government to distribute how they see fit.


  11. Last comments:

    Please share the ruling, all I could find was a 1960 decision that said that benefits could be denied to an ex-patriot. Congress has the right to modify benefits and has done so many times. This is why “entitlement reducers” like Paul Ryan are so dangerous to those of us in our 50’s approaching retirement age.

    Fleming v. Nestor, the U.S. Supreme Court ruled that workers have no
    legally binding contractual rights to their Social Security benefits,
    and that those benefits can be cut or even eliminated at any time.
    That’s a stretch, that’s the same 1960 decision I found. Wikipedia’s (I know, not 100% reliable) interpretation said:
    “The Court ruled that no such contract exists, and that there is no contractual right to receive Social Security payments. Payments due under Social Security are not “property” rights and are not protected by the Takings Clause of the Fifth Amendment. The interest of a beneficiary of Social Security is protected only by the Due Process Clause.
    Under Due Process Clause analysis, government action is valid unless it is patently arbitrary and utterly lacking in rational justification. This provision of §202(n) is not irrational; it could have been justified by the desire to increase the purchasing power of those living in America, because those living abroad would not spend their payments here.”
    The “patently arbitrary and lacking in rational justification” could be used as argument against the likes of Paul Ryan and his ilk, who bent on taking away something we’ve paid into our whole lives.

    Unfortunately, your last paragraph is entirely true. Had the government not been allowed to raid the piggy bank we would all be better off. Wish I had been able to invest all the $$$ I put in Social Security on my own. I’d have a MUCH better return on my money!

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