How to invest with a goal and a coach

You have a fitness trainer because you need motivation and fast rules to maximize the use of the gym or get in shape with strength training very fast or be fit based on your lifestyle and body.

In investing, you have many options and you have to start with a strategy, goal and a coach.

Based on your situation, goals, age and capacity to invest, you will need to start with an investing strategy and a tactician coach. How much risk can you afford? How can you lower the many kinds of risks?

  • 1. Have an investment goal and coach.
    •  Specific: goals should be written down
    •  Measurable: have a way to quantify progress
    •  Ask: seek advice when you have questions
    •  Responsible: adjust your portfolio as needed
    •  Transparent: share your goals with family and others
  1. Prepare for jumpy markets. In recent years, markets have been quite calm, with few dramatic ups and downs. This isn’t normal. The successful investor knows that when the market dips, it’s not time to flee but to buy “on sale”. People tend to miss out on investment gains because they sell when the market goes through a rough patch. Get familiar with normal market bumps (otherwise known as volatility) and stick to your strategy.
  2. Diversify. Really. You may know the term “diversify” as an investment directive to not put all of your eggs in one basket, but what does that mean, exactly? I had a client during my financial advisor days who spread his assets among five different banks and called himself diversified. Diversification means balancing risks in your portfolio by combining investments that differ from one another. It’s a way of finding opportunity for growth while minimizing the overall bumpiness from year to year.
  3. Rethink the safety of cash. I’ve discussed this before on The Blog and I can’t stress it enough. Cash is not an investment strategy. People know this, but they stick with cash because they think it’s safer. What they’re ignoring is the risk to their future spending power. Not only does cash provide virtually no return, it can lose you money thanks to taxes and inflation. Sure, inflation may be low today, but even a nominal amount of inflation can really pack a punch over time. If you’re holding too much cash, you should consider putting it to work.
  4. Don’t set it and forget it. There’s an old rule of thumb that you should have the same percentage of bonds as your current age. So if you’re 40, the rule is that 40% of your portfolio should be bonds and the rest should be equities. But this shortcut, like many others, is oversimplified. It doesn’t take into account changes in the market environment, not to mention your life and circumstances over time. Successful investors fully and optimistically engage in their financial lives. That doesn’t mean being a day trader, but rather owning your financial future. Make the most of it.

What is a business that you can build a community anywhere in the world using technology and human connection?

People create or join a business to earn money or change/pursue career. And then in the process, they create a community.

Network marketing is building a brand, finding people that are consumers.

A friend of somebody is a consumer first.

Everyone is a consumer first. Get the product to the customers.

Getting customers, products are universal.

We are capable of getting long term customers.

High end , with big decisions requires sales skills.

Everyday product does not require much sales skills.

You pick up a product, tried it and like it and becomes your brand.

Try a product, the user experience of the product determines if they become an ongoing customer.

Sales people’s job is to expose the product to customers, easy to do with hot market.

Ask for their help, I am in a new business, can you help me out and be my customer.

I need your story and feedback if you like my product after using it. If you do not like it you do not have to buy it the next month. 25% becomes ongoing customers. With referral, your business grows.

Get their fear out, get them to have a good experience with the product.

Fears should not be greater than their successes to succeed in the business of sales.

Not everybody is a doctor, or a network marketer but it is a great way with high value.

Here is what I like you to do to try my product and you do not have to do it if you don’t like to do it but I need your help, can I count on you?

The hot market is how you do it. Exposure to your hot market is important. Building a team allows you to grow your business big. You want to break even in your business as quickly as possible. Don’t have to be a great salesperson.

Create a story of success, sharing the personal success story builds a team in a simple way.


Can I ask you a favor? Would you like to try anyone of my products?

Thanks and please let me know your experience.

Connie Dello Buono

PS. Ask me how you can have these products for free by sharing it to others.

Retiring my mom, 78 yr old still working, I need 10 bay area pro who will save for retirement

My Why of keeping my spirit up each morning to work hard is to be able to retire my mother who still works at 78 yrs of age. Her hair is now so thin from stress, her legs so full of veins and is getting painful to walk.

But, she keeps on working to support and send her grandchildren to college since her 3 sons have minimum wage.

If I have 10 clients in the bay area who will save at least $750 per month towards their retirement, I could retire my mother.

She deserves a break, working as a caregiver since 2000 in the bay area. She is the favorite cook of most of the senior clients she cared for. She wakes up in the night when one of her Alzheimer clients need help.

She uses her hands to give massage and comfort to the aging bay area seniors.

I wish to retire her soon.


Connie is now hiring retirement planners in the bay area. 408-854-1883 ;

Plan for financial retirement should start when we are 25yrs of age

About 90% of Americans engage in some sort of personal financial planning, but few have a clear, well-rounded approach to reaching their goals. This month, the Certified Financial Planner Board of Standards and the Consumer Federation of America released the 2013 Household Financial Planning Survey and Index, which detailed the four categories of planners among American consumers.

The study followed the 2012 Household Financial Planning Survey, released by the same organizations, which tied the time and effort put into planning to better financial outcomes. The 2013 survey was conducted April 12 to 24 by Princeton Data Source and has a margin of error of plus or minus 3.5 percentage points. The index awarded consumers points for specific financial behaviors that fell into three categories: comprehensive financial planning, basic financial planning and credit card debt management.

Based on scores from those criteria, Americans fell into one of four groups. In the report, they are called the comprehensive planners, basic planners, limited planners and non-planners. Here’s who they are:

The Perfectionists — (Comprehensive Planners) 19% of Americans

These consumers know the exact route to their financial goals, whether they drew the map themselves or sought professional planning guidance. Not only do they have a household budget, which includes retirement savings and insurance, but they work toward specific savings goals.

  • Two-thirds use a Certified Financial Planner or registered investment adviser for planning assistance.
  • 88% have a specific plan for retirement.
  • 80% have a plan for emergency savings.
  • More than half have a household income greater than $100,000.

The Dreamers — (Basic Planners) 38% of Americans

Most consumers fall in this category. They have some goals worked out and have an idea of what they’d like to achieve — they just haven’t yet worked out all the details. For instance, Dreamers may have savings plans for retirement or education, but they haven’t pulled everything together to form an overarching plan.

  • Two-thirds have a household budget.
  • Less than half of them write down their budget or store it electronically.
  • 35% have a comprehensive plan.
  • 31% are likely to make that plan within the next year.

4 Money Mindsets: Which is Yours?

The Procrastinators — (Limited Planners) 33% of Americans

These consumers put forth the bare minimum and might get to the rest of planning later. Most in this group have a budget or plan to address savings goals, but not both. Their comprehensive financial planning behaviors don’t differ much from non-planners — they’re nearly nonexistent in both groups — but some Procrastinators keep a written budget, and they tend to avoid racking up credit card debt.

  • 31% plan for retirement, but only 7% save for emergencies, and only 7% save for anything else.
  • 11% are likely to make a comprehensive plan within the next year.
  • 44% have a household budget (only 15% write it down).

The Wanderers — (Non-Planners) 10% of Americans

In this group, consumers just kind of float from bill to bill without any strategic approach to money management. They exhibit nearly no comprehensive financial planning behaviors, with less than 1% likely to create a comprehensive plan in the next 12 months. Wanderers are about as likely as Perfectionists to take on $5,000 or more in credit card debt, while 45% of them have a household income of less than $25,000.

  • 90% have no plan in place for specific savings goals.
  • 40% have significant credit card debt.
  • Half of them have no plan to pay down that debt.

In general, planners exhibited more confidence in financial decision-making and saved more money. For comparison: 53% of Perfectionists feel very confident in their financial decisions, while only 26% of Wanderers felt that way. On the flip side, 41% of Wanderers said they had little or no confidence, and only 6% of Perfectionists expressed that sentiment.

Such confidence comes from understanding one’s financial situation. With the wealth of planning tools available online, from budgeting to student loan management, anyone can set financial goals. A great way to take stock of your financial picture is to check your credit health using a free tool like’s free Credit Report Card. It allows consumers to check their credit score and identify areas that need work on a monthly basis. Free tools like that help make financial planning accessible for consumers of any money mindset.

The bottom line? Yes, planners tend to make more money, but good decision-making doesn’t come with cash. Regardless of income level, planners achieved better financial outcomes than non-planners.


Now hiring wealth strategists at 408-854-1883 Help others accumulate wealth with tax free distribution, zero market risk and true living benefits (long term care, disability, terminal illness). Review book of Patrick Kelly on Retirement Miracle to help you plan for your financial retirement.