Home Loan Payoff The City of San José processes requests for payoff demands of existing homebuyer and home repair loans, and affordability restrictions (i.e., equity-share agreements). The payoff demand processing fee is paid in escrow. Please see more information in the Payoff Demand Instructions. For questions, please email to Asset.Payoffdemands@sanjoseca.gov or call 408-975-4466. Single Family Administration Re-Subordination of CalHFAContinue reading “Home loan payoff – secure your pension”
Tag Archives: Pension
States with highest American Well-being, economy,jobs, a review 2014
US Job Growth In 2007, leading up to the Great Recession, 79.9 percent of people ages 25 to 54 in the United States had a job. In the 12 months ending June 2014, five years after the recession ended, only 76.2 percent of people in that age group were working. The latest rates show aContinue reading “States with highest American Well-being, economy,jobs, a review 2014”
Maximum Total Deductible Contribution to Both Defined Benefit and Profit Sharing/401(k) Plans
Generally, employers that adopt both a defined benefit plan and a defined contribution plan (including a profit sharing plan with or without 401(k) salary deferral contribution features) are able to make the maximum contribution to both plans. However, that’s not always true. In some cases, there is a lower maximum deduction that may be applicableContinue reading “Maximum Total Deductible Contribution to Both Defined Benefit and Profit Sharing/401(k) Plans”
4 Ways Men and Women Approach Finance Differently by Maria Cornelius
Anyone familiar with John Gray’s Men Are from Mars, Women Are from Venus knows the premise that men and women communicate very differently. Perhaps this explains why most female investors prefer to work with a female adviser and most married women leave a male adviser after the husband dies. Starting with the first conversation, womenContinue reading “4 Ways Men and Women Approach Finance Differently by Maria Cornelius”
Teaching your children about money, million dollar baby
When you start saving $200 per month for your baby who is less than 1 yr old and the savings accumulate with return of at least 6%, guaranteed at 4% the money owned by you doubles every 12 years. This will show your child how money compounds and savings taken via EFT can build towardsContinue reading “Teaching your children about money, million dollar baby”
The Future Is For Real: Succession Planning Reframed by Lewis J. Walker, CFP®; and Maria C. Forbes
The 2014 movie Heaven Is For Real gives one pause to ponder the future. After life, what’s next? Colton is the real-life son of Todd and Sonja Burpo. The film chronicles a near-death experience when Colton was a young child. The family was incredulous over his miraculous recovery from an emergency appendectomy. More amazing wasContinue reading “The Future Is For Real: Succession Planning Reframed by Lewis J. Walker, CFP®; and Maria C. Forbes”
How Roth IRA Distributions are taxed
If you have 401K, stocks, mutual funds, Roth IRA, IRA, annuities or other kinds of assets, you need asset protection using your life insurance. Use this life insurance application to complete when you decide after discussing with me about your asset protection plan with illustration detailing cash accumulation, face amount and tax strategies. Connie DelloContinue reading “How Roth IRA Distributions are taxed”
Optimal Fixed Annuity for Retirees: Immediate versus Deferred by David Blanchett
For those who are willing to give up liquidity to maximize guaranteed income for life, the solution has always been relatively straightforward: purchase a lifetime Single Premium Immediate Annuity (SPIA). However, in recent years, annuity companies have begin to offer Deferred Income Annuity (DIA) contracts, also known as longevity annuities, which similarly provide guaranteed incomeContinue reading “Optimal Fixed Annuity for Retirees: Immediate versus Deferred by David Blanchett”
CFP,financial advisor guest blogs on Wednesday afternoon
Email motherhealth@gmail.com to get free 15min phone chat with guest blogger who is a certified financial planner and had been helping bay area professionals in the past 13 years. Call Connie Dello Buono 408-854-1883 to be scheduled in the slots from 2pm to 6pm of every Wednesdays starting this 9/17/2014 (first 16 callers/email will beContinue reading “CFP,financial advisor guest blogs on Wednesday afternoon”
Increase your net worth and net income: Tax Free Retirement Planning seminar
Create an estate with the stroke of a pen and increase your net worth and income. Attend every Tuesdays TAX free retirement planning seminar at Umpqua Bank , 1-hr session, 9-10, 10-11 and 11-12noon. Free gourmet coffee with mushroom and other health vendors from essential oils to weight loss to increase your income. RSVP to Connie 408-854-1883Continue reading “Increase your net worth and net income: Tax Free Retirement Planning seminar”
More than 10 reasons why we need life insurance
Your greatest asset to protect is your life. As a mother and a life insurance agent, I want to show you why we need life insurance, not just for creating an immediate estate to my children in the absence of an inheritance as I am not rich at the moment. Connie Dello Buono CA LifeContinue reading “More than 10 reasons why we need life insurance”
Wealth gap lasting into retirement by Michael Hill
William Kistler views retirement like someone tied to the tracks and watching a train coming. It’s looming and threatening, but there’s little he can do. Kistler, a 63-year-old resident of Golden, Colorado, has been unable to build up a nest egg for himself and his wife with his modest salary at a nonprofit. He hasContinue reading “Wealth gap lasting into retirement by Michael Hill”
Withdraw a net $75,000 per year from $1 million earning 7.5% in a 0% tax bracket
Teachers, nurses and workers are my heroes. They worked hard and so I pledge to help them with tax free retirement income for life. Whethere you have only $300 per month to save or a $1M to set aside towards a lifetime retirement income, indexing strategy using an IUL will help you withdraw a netContinue reading “Withdraw a net $75,000 per year from $1 million earning 7.5% in a 0% tax bracket”
No retirement income at 65, plan early and review yearly
I met two people this year who had made millions in the past 20 yrs and they are broke now with no retirement income. They prioritize mansions and others before they have ensured their most important asset, their life with sufficient retirement income, money during health threats/long term care, investments with no market risks andContinue reading “No retirement income at 65, plan early and review yearly”