Contact Connie 4088541883 firstname.lastname@example.org Save from your electric bills and save towards your retirement. Choices of 4 solar carriers and 10 life insurance carriers.
If you wish to allocate a portion of your savings or retirement/pension in a safe Fixed Index Annuity with no negative market participation, text Connie Dello Buono, 0G60621, at 408-8541883 to show you Athene’s annuity products that suits your retirement savings goal of tax less, fees less, avoid probate, safe with no participation in market downturns and more benefits as shown below.
About Connie Dello Buono, Financial Consultant 4088541883 email@example.com
Insurance Broker protecting families, seniors and business owners (insurance for life, income, health, retirement, estate and mortgage equity).
Connie Dello Buono is a California Licensed Life and Health Insurance Agent, 0G60621. Serving clients in the bay area, Santa Clara county and the greater bay area communities. Connie started helping seniors with caregivers and with life insurance products that can be used even with health issues.
Life Insurance as asset, life, and retirement income protection
We are focused on helping our clients achieve a secure retirement using fixed annuities and index universal life insurance, a final expense plan using single issue whole life insurance with no medical tests, mortgage protection insurance plans from Americo, AIG, Mutual of Omaha, Transamerica, AIG, John Hancock, American Amicable and 10 more insurance carriers, mostly A rated.
The many riders are important to protect the client during accidental death (doubles the death benefit amount), disability, loss of income/job, terminal/chronic/critical illness or living benefits riders, Return of Premium or cash back, paid up addition and getting back all premiums paid at 100 yrs of age.
Health Care strategist and founder of Motherhealth bay area caregivers
Health Author , Curated Health at Balboa Press
Physicians Hesitant to Retire, Study Finds
Late-career physicians are hesitant to retire due to fear of missing the field they love, a new study from CompHealth finds.
While late-career physicians still feel confident that they can contribute much to the medical field, many look forward to some perks of retirement like traveling and spending more time on hobbies, but leaving work is not among the top reasons.
Physicians Practice sat down with CompHealth president Lisa Grabl to discuss the findings and what it means for healthcare moving forward.
How do the study’s findings affect the physician shortage in this country?
We know there continues to be a physician shortage in this country. All physicians are dealing with the shortage, whether they are being asked to work more or give up some of their work/life balance. What we know for sure is that between 40,000 and 105,000 physicians are out there considering retirement and that is anticipated to occur by 2030. That’s a lot of doctors.
We learned from the survey that physicians are delaying retirement, which is a good thing. They are looking to work right up to the age of 68, with 63 being the average age of retirement in the U.S. With the [physician] shortage, we need more physicians to want to continue to practice medicine. Something that the survey solidified for us is that retirement doesn’t always mean full-time retirement. We were happy to see that 51 percent of respondents said that working part-time or occasionally is part of their retirement plan.
Is there any concern with doctors working too long?
There is no concern with that. The study found that on average, doctors work to the age of 68. That is longer than the national average, but it’s because of their love of medicine. [According to the survey], more than nine out of 10 doctors say they continue to feel helpful in the field. We have found that late career doctors offer great care. Most physicians over 60 believe they can still provide useful care. Late-career doctors also continue to feel competitive in medicine. And, as a bonus, they come with a lot of experience and the ability to teach the younger physicians.
When physicians do decide to call it quits, what is important to them?
Financial stability, which most already have, and more time for personal activities. This goes back to the fact that, according to the survey, 44 percent of respondents would try to keep a better work/life balance if given an opportunity to do their career over. Once they retire, they have more time to focus on the activities they may have missed out on.
Is the current model of keeping physicians in the workforce for as long as possible a sustainable one?
No, that is not sustainable. But, with the national shortage, we can certainly use all the help we can get with physicians working longer. Many doctors are open to remaining in medicine, in some form or another, after retirement. Keeping these physicians engaged and active in the workforce could mitigate further physician shortage.
There are lots of options for a doctor looking at scaling back their work load. They don’t have to fully retire. [Through part-time roles] doctors have the option to work as much or little as they want. There are physicians, depending on [their] specialty, if they want to work one week a month, they can do that. They can travel around [a work] assignment. Fitting in the lifestyle piece is something physicians enjoy. Part-time work can be an opportunity to work near family as well.
We are seeking all doctors (in 51 countries) to join us in using a non invasive portable scanner similar to pulse oximeter created by NIH to measure the serum anti-oxidant levels.
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Connie Dello Buono
- member Health Care Network Alliance
Young and old want to move to a smaller house for practical reasons, mobility and changing times. With smart phones, computers and availability of travel choices, people wanted to be mobile and not be burdened by the cost of owning a large house.
In the bay area, that means mobile homes, condos, towhouse, apartment, senior assisted living, care homes and living with other family members.
A widow in Oregon, rented out the other bedrooms in her house. A grandma lives with her grandchildren. A divorce parent lives with their adult children. Many renters share a room in a house in the bay area.
An uncle bought a house and have his relatives/family members rent out each room in the house in the bay area.
What are some other ways we can cut housing costs which eat up more than a third of our paycheck?