Female life expectancy in various parts of the world

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Admiral McRaven, on how one man can change the world

How one person can change the world

Admiral McRaven.  He’s a brilliant man, dedicated to serving our country.  His remarks in this speech remain profound, about how one person can change the world:

If you want to change the world, make your bed.

Little things in life matter.

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(2) On a team, exert equal effort.  Everyone must paddle, or the boat in rough waters will fail on course.

You can’t change the world alone.

You will need some help.  If you want to change the world, find someone to help you paddle.

(3) In SEAL training, the bigger guys would make fun of the little guys, but the little guys always ran faster and swam faster and paddled faster than the big guys.  Nothing mattered, not social status or ethnicity or religion or education.  If you want to change the world, measure a person by the size of their heart, not the size of their flippers.

(4) Everyone failed uniform inspection.  Staying in a failed wet uniform with “sugar cookied” sand on them got under the skin of many students.  No matter how well you prepare or perform, you still end up as a sugar cookie.  Get over it, and keep moving forward.

The DRILL, practice and exercise matters

(5) If you failed to meet the standard, your name went on a list.  Those people were invited to a circus … 2 hours of additional calisthenics, designed to wear you down.  At some point, EVERYONE made the circus list. But over time the students that frequently made the list got stronger and stronger.  You will fail often in life; it will be painful and discouraging… but if you want to change the world, don’t be afraid of the circuses.

Tests to break the spirit, build the inner self

(6) At least twice a week you had to run the obstacle course.  The most challenging was the slide for life.  You had to climb the 3 tiered tower, and pull 200ft to the 1 story tower on the other side.  One student broke the record by going head first, and cut the time in half.  If you want to change the world, sometimes you have to go head first.

(7) If you confront a shark, stand your ground.  Do not run away, swim away…  Punch him in the snout and he will turn away.  There are many sharks in the world.  If you want to change the world, don’t back down from the sharks.

(8) One of the challenges is swimming 2 miles underwater using a depth gauge and a compass to a target.  Once you get to a ship, it blocks the ambient light at night.  To be successful, you must swim under the ship, where the keel and the darkest part of the ship is.  It’s disorienting.  You can fail.  Every SEAL knows at that darkest point you must be most calm and composed using inner strength.  If you want to change the world, you must be your very best in the darkest moments.

(9) Ninth week of training is known as hell week.  6 days of no sleep … constant mental and physical harassment and one day at the mud flats in Tijuana surviving freezing cold and howling wind.  As the sun began to set, his training class was ordered into the mud.  The mud consumed each man until their heads were the only thing above the mud.  Some students were about to give up… 8 hours more of the bone chilling cold.  One voice began to echo through the night.  The song was terribly out of tune but was enthusiastic… then two voices… then all the voices began to sang.  Suddenly the mud was a little warmer and tamer.  The power of hope… one person… can change everything.  Washington, Lincoln, Malala… If you want to change the world, start singing when you’re up to your neck in mud.

(10) All you have to do to quit in SEAL training is ring the brass bell.  Ring the bell and you no longer have to be in the freezing cold swims.  You no longer have to endure the hardships of training.  If you want to change the world, don’t ever ever ring the bell.

“Start each day with a task completed.  Respect everyone.  Know that life is not fair and you will fail often.  Take some risks.  Step up when times are the toughest.  Face down the bullies.  Lift up the downtrodden.  Never, ever give up.  The next generation and the generations that follow will live in a world far better than we have today.  What started here will have changed the world for the better.”

Life instructions for my children in college

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To my children in college, mom’s lessons she learned and wished you knew before you take a leap

  1. Forgive but not forget, always fill your mind with positive and happy thoughts
  2. Learn from your mistakes, know the cues of what is going to be a wrong decision
  3. Gratitude will bring you blessings untold, and keep you safe for the future
  4. Confidence but with preparation and grace, in service with others so that you can be served
  5. Select your friends for a lifetime, they can pull you up and bring wealth untold
  6. Friends can influence you, can walk with you and help you attain success and happiness
  7. Your thoughts can translate into action with conviction
  8. There is ambition and goals and not procrastination to get what you want
  9. Early bird catches the worm, be early and ahead of others or be prepared
  10. Expect the unexpected if you lack preparation
  11. Select your tools and gadgets to save your life when you need them
  12. Bring your smart phone, computer and driving glasses when you go places
  13. Always save 6months worth of emergency funds
  14. Borrow only when necessary or exchange your skills and knowledge to earn
  15. Always up your skills, they will save you in times of trouble
  16. Be street smart not only book smart
  17. Always have a back up in life, living simply and in practical ways
  18. Love, friendship and family are very important and so is prayer
  19. Learn to dance, sing , paint, fencing, swimming and any worthwhile relaxing and uplifting activity
  20. Gain respect and put yourself in service to your well being and that of others you are responsible for.
  21. Write a journal to keep your spirit strong and continue this list to impart to your children. You can write up to 300 things to share with others to walk your talk.




How Can You Receive Nursing Home Benefits Without Losing Your Hard-Earned Assets?

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You do not have to lose your hard earned money for lifetime retirement should you need nursing home care. Prepare many years in advance for asset protection and health planning. Government regulations for health care benefits look at your assets 5 years back. Plan for your estate, gifting your children and grandchildren and health/financial planning in advance.

Estate Taxes

Year Exemption Top Rate
2008 $2 million 45%
2009 $3.5 million 45%
2010 Tax Repeal 0%
2011 $1 million 50%
2012 $1 million 50%
2013 $1 million 50%

Current estate taxes range from 37-48%, with an exemption of the first $2 million in 2006.  The exemption amount gradually increases and the top tax rate gradually decreases until 2010, when the estate tax is repealed for one year.  Without additional Acts of Congress, the estate tax will be reinstated to 2001 levels in 2011.

The federal estate tax exemption is rising gradually, from $2 million in 2006 to $3.5 million in 2009. Meanwhile, the top estate tax rate declines 1% per year until it reaches 45% in 2007 where it stays until 2010. The estate tax is scheduled to phase out completely by 2010, but only for a year. Unless Congress passes new laws between now and then, the tax will be reinstated in 2011 when the exemption reverts to $1 million.

Legal and tax advice are not provided.  Please consult your tax attorney before you act on any information provided in the materials above.


If you want more information on long term care ,retirement planning and asset protection, contact Connie Dello Buono 408-854-1883 motherhealth@gmail.com . CA Life lic 0G60621
1708 Hallmark Lane San Jose CA 95124. With offices in Fremont, South San Francisco, San Jose,Sacramento and Milpitas.

Call for a one on one info sharing or a free seminar in Fremont this Sat from 9-10am.



Set high standards for yourself, Tony Robbins

Set high standards for yourself, Tony Robbins

For 4-days, Tony Robbins equip the attendees, mostly sales and business owners, to dance with your fears, defy the odds, ask with certainty, picture your destiny to reach it, surround yourself with people more influential and successful than you are, to create not destroy, serve others, set high standards and be holistic in mind and body.

Take care of your body, greens to be alkaline, deep breathing to help the lymphatic system in cleansing your body and to serve others with certainty and authenticity.

Start your morning with energy, smile and appreciation.

Connie Dello Buono
Life, Health and Retirement Master Coach
Save tax free, investment with no market risk and with health benefits and estate
We are hiring in 50 US states, to those who wanted to be a business owner with no glass ceiling.

Fire your boss, own a business now, financial planning for CPA, insurance agents, health care pros and realtors

As a CPA, your clients would ask you to help them allocate thier idle money and have health and asset protection.

As a realtor, your clients wants your opinion on how to protect their house should a health threat occur or income loss.

As an insurance agent, you wanted to be a builder and not just a salesman to be able to do business long term as non-captive owner of your own agency.

As a doctor, you understand that health threats can wipe out your savings, income, estate and future pension.

As a health care pro, you wanted to be protected from health threats and a retirement income for a lifetime during old age and in sickness.

As a bay area pro, you wanted to retire early and not work 2 or 3 jobs to earn a living.

You can create your own business. Be creative. Start your own business.

My business is financial planning and your referrals are much appreciated for anyone needing a permanent life insurance with cash accumulation and returns from 6% or more.

Call Connie Dello Buono CA Life Lic 0G60621 motherhealth@gmail.com for one on one session for an hour for free on finance, health and business coaching.

Stop your losses from your 410k, stock market and other investments.



Don’t look for a job, create a job

Create your own paycheck. He who writes your check dictates your life.

Are you going to graduate in college soon or just recently lost your job?

We have a career or profession for you as a business owner.

You own your book of business and a team to help you grow it.

Learn how to make money work for you.

Let me show you the ticket to a lifetime retirement income.

Be semi-retired at a young age.

Whether the economy is good or bad, the financial service company is still strong.

Create your own economy.

Recession is if your neighbor is out of a job and depression is if you are out of a job.

A healthy lifestyle is still attainable.

Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com

Have a mind that do not reject opportunities.

Be not comfortable with what you have. There is no limit to those who knows what they are searching for.

Your search is over. Let us help one family at a time with tax free retirement, no market risk and grows up to 13%.

Do not wait till you are 65 to learn how your money can double every 9 yrs.

Do not go back to a Mcjob, you are worth more than that.

We have trainers and business owners who will share their success tips to you.

Giving you the blueprint to tried and true success.

Just learn and do.

Do not rely on a job but allow the freedom to choose your hours and paycheck be your goal.

Where unlimited advancement or promotion is a norm. A bonus each time you help a family in tax free retirement savings plan.

The American dream is still alive.

Do not depend on your 401k, this is around 50% taxed and that it participates in the downside potential of the market.

We help you protect your gains and principal, no money gambling.

And access to funds up to $1.5M when cancer, stroke or disability occurs.

This is our crusade to help you having a business you can share to others.

With no capital or experience. Only your thirst for success and helping others do the same.

Accept the challenge, be never broke or in a journey to being broke.

Stop digging a hole to loses or working more than two jobs and still not financially free.

Start saving money for yourself so others can follow you.

Join our crusade of bringing prosperity back to every household in America.

The bank CD lets you double your money every 72 yrs, while we help you double your money every 9 to 12 years.

We build a turnkey financial franchise business and we are looking for builders like you.

You can start part time as referral agent. If you are a CPA, tax preparer, estate lawyer, insurance agent, realtor, business owner, student, housewife, retired or just employed at a work that you are not happy with, we can help you with earning the income you deserve.

Let us help move liabilities into assets and reallocate old money to create new benefits and savings.

And plan for a tax-free retirement savings or pension. Investments with no risks, tax free savings and insurance you do not have to die to use.

Take control of your life. Become your own boss. Get paid what you are worth. Build financial independence for you and your family.