Make your produce, whole foods, last longer

produce

Email motherhealth@gmail.com of tips to have your foods or produce last longer, free from molds and fungus.

Always wash produce with salt water or diluted vinegar to wash away pesticides and chemicals. Dry them well. Learn gardening to have organic produce. Share your lands to others who love gardening. Freeze left over skins and veggie cuttings to add in soups later.

Preventing falls at home and Hematoma

Senior care experts offer the following advice for preventing falls at home:
  • Clean up clutter
  • Repair or remove tripping hazards
  • Install grab bars and handrails
  • Avoid wearing loose clothing
  • Light it right
  • Wear shoes
  • Make it nonslip
  • Live on one level

Review medications, have a caregiver, home monitor and use walker, cane, wheelchair, rollator, belt and other tools.

Potassium tablets can provide energy in the morning.

Interactions between medications can cause falls among the elderly.

Hematoma is very common when they fall.

A hematoma is a localized collection of blood outside the blood vessels, due to either disease or trauma including injury or surgery[1] and may involve blood continuing to seep from broken capillaries. A hematoma is initially in liquid form spread among the tissues including in sacs between tissues where it may coagulate and solidify before blood is reabsorbed into blood vessels. An ecchymosis is a hematoma of the skin larger than 10mm.[2]

They may occur among/within many areas such as fat, skin and other organs, connective tissues, bone, joints and muscle.

A collection of blood (or even a hemorrhage) may be aggravated by anticoagulant medication (blood thinner). Blood seepage and collection of blood may occur if heparin is given via an intramuscular route; to avoid this, heparin must be given intravenously or subcutaneously.

It is not to be confused with hemangioma, which is an abnormal buildup/growth of blood vessels in the skin or internal organs.

care 1

Retirement woes and stock market loses of 45-65 yrs olds

 

45 yrs old Saves $300 per month $50k yearly lifetime retirement income Sample numbers, save for 20 yrs, earnings for lifetime , returns 8-13%
55 yrs old Saves $500 per month $40k yearly lifetime retirement income Sample numbers, save for 20 yrs, earnings for lifetime , returns 8-13%
  • At 45 yrs of age, you want to save in the next 25 yrs and ensure your lifetime retirement income to support the lifestyle that you want.
  • At 50 yes of age, you want a safe place to grow your savings or investments with no market loses like the stocks and you want to recoup what you have lost in the market to retire early.
  • At 60 yrs of age, you want to use some of your savings tax free without paying penalties and taxes which would amount close to 40-50% of your savings.
  • At 65 yrs of age, you know that you might need long term care and you have no long term care insurance and might not be insurable any longer.
  • At 70 yrs of age, you are required to withdraw your savings and incur a huge tax as a result.

Now, you do not have to have these pains of the future if you know there is an Index Universal Life policy with additional living benefits such as terminal and chronic illness riders and lifetime retirement income riders.

These riders added free at no cost allows you to access 70-90% of your face amount (up to $1.5M) when cancer (early or last stage) or disability occurs.

After saving away in the next 20 yrs, around 10% of your net income you are scheduled to receive a lifetime retirement income until you are 120 yrs old. For sure, you will not outlive your money.

Using an index strategy, in an IUL policy your savings do not participate when the market is in downside potential but keeps your principal and gains intact. You can create an estate of $500k to $2M at a stroke of a pen with a policy that is not term (renting) or whole life insurance (1-3% with return) but an IUL for tax free cash accumulation between 8-13% return.

You choose what your retirement income would be, call Connie for free review of your retirement needs and wants via email or cell for 24 hrs response. Your financial life coach (24/7) for single premium, 1035 exchange, super charge Roth IRA, pension, 801k or just a safe/guaranteed savings plan securing the future for you and your family where your money doubles every 9 yrs and during health threats or emergencies you have access to it.

Contact Connie Dello Buono CA Life Lic 0G60621 408-854-1883 motherhealth@gmail.com www.clubalthea.com 1708 Hallmark Lane San Jose CA 95124

Weekly seminars:

Fremont:  43136 Christy St Ste 100, Fremont,CA  94538 , every Saturdays, 8/9/2014 at 9am

Mon-Friday: San Jose 8pm
Also available online and via skype

Making your retirement plan what you wish for

A retirement plan for health care pros and docs

  • Tax free
  • Zero market risk
  • Health benefits for terminal and chronic illness added at no cost
  • In 50 US states
  • Using 5 indexing strategies of wealth accumulation
  • Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com after you read the above ppt presentation materials. This pension plan is for all working and self-employed adults in the USA from age 25 to 65 yrs of age. Who has only been getting 1% return from their CDs and negative returns from other investments, no pension, wants an exempt assets for health insurance reasons and for better returns.

business card connie

 

 

$79k per yer lifetime tax free no market risk retirement income for 25yr old saving $6k per yr for 30yrs

tax free no risk lifetime retirement income $79k per yr

For young people just getting their careers off the ground, saving for retirement can often feel like an exercise in futility.

 There are bills to pay, debt to be tackled, apartments to rent, and social lives to be had. It’s baffling to imagine putting a piece of our precious paycheck in an account that’s designed to keep us from touching it until we’re old and gray. That money, we tell ourselves, would be far more useful in our pockets.

Imagine just how little buying power the cash us 20-somethings earn today will have when we’re ready to retire:

Someone retiring now in 2014 with $1 million at age 65 can safely withdraw $43,600 a year. However, [because of inflation], today’s 20-year-olds will need over $7 million to have that same lifestyle when they retire. In 1970, they would only have needed $166,000 in retirement to have a similar purchasing power for the rest of their life.

[For this calculation, Marotta assumes an average inflation rate over the next 45 years of 4.5%.]

To get close to saving $7 million, a 25-year-old with a starting salary of $50,000 would need to save about 14.65% of their salary throughout their career (see Marotta’s math here).

To be fair, Marotta’s estimate is conservative — the U.S. inflation rate is currently at 1.5% and hasn’t been close to 4.5% since 2008 — but not outlandish. Marotta and other experts say it’s too risky to assume inflation will remain as low as it has been for the long-term. The average inflation rate since the 1960s is just above 4.5%.

Using current year inflation rates for long term planning is like using last year’s U.S. stock returns (33%) for long term averages,” he says. “Economics classes have to memorize long-term interest rates for planning purposes which average over 4% (4.5% to 4.1%). I don’t think I’d want to use any rates outside of that range for … long-term retirement planning.”

If we use the 10-year average for inflation, however, which has hovered around 3%, a 20-something would need to need to save about $4 million to have as much buying power as someone retiring with $1 million today. (Not exactly chump change but…phew.)

Like any form of financial planning, predicting future savings and earnings requires as much math skill as it does crystal ball reading. In other words, it’s not an exact science, so try not to freak out too much.

Whether or not you’ll need the equivalent of $1 million today in your golden years is going to depend on a lot of factors — including your lifespan, expected lifetime earnings, and your standard of living.

But Marotta’s central message here is inescapable: “Inflation is almost guaranteed and it is the risk that has the biggest effect on people saving for retirement,” he says. “And yet, it’s the one most young people overlook.”

Time is on your side

The average Gen Yer (defined in this case as workers 23 to 35) today saves about 6% of their pay and has a little less than $20,000 invested in a retirement fund, according to data compiled by Fidelity for Yahoo Finance.

By comparison, savers aged 36-64 put away more than 8% of their income and have saved nearly $90,000

The good news is that 6% for a 25-year-old with 40 solid working years ahead of them is probably just as — if not more — valuable than 8% for a 55-year-old a decade away from retirement.

“The money you earn when you’re young is more important than the money you earn when you’re older,” Marotta says. “Even saving $100 a month or $10 a month or something ridiculously low is the right place to start.”

Let’s use a fictional saver, Jennifer, as an example. She’s 22 years old earning $3,000 a month and decides to save 5% of her (pre-taxed) salary in a 401(k). She gets a 5% match from her employer, so she’s putting away a total of $300 a month ($150 with each bi-weekly paycheck). If she puts that cash into an index fund earning 6% a year — even if she never gets a single raise or promotion — she will have saved $753,849 by age 65. (Run your own savings estimation using Bankrate.com’s savings calculator.)

Now, let’s say Jennifer decides to wait to start saving for retirement until she’s managed to work her way up and feels more financially stable. By age 35, she’s been promoted twice and has doubled her income to $6,000 a month. She uses the same savings strategy (5% of her own cash plus a 5% employer match for a total of $600 a month).

She’s saving twice as much as she would have at age 20, but by the time she’s 65, she will have saved only $317,843 (using the same investments as in the example above). Those 13 years of procrastination cost her more than $436,000. Why? The interest she’s earned on her investments have had less time to compound. When it comes to retirement savings, time is literally money.

She still has time to make up for her losses, sure, but it will require cutting more of her spending later in life — not an easy task if she has a family and a mortgage to worry about.

“A lot of young people are very proud that they don’t spend more than they make, but the problem is they spend 100% of what they make,” Marotta says. “You get all the power of compounding interest when you’re in your 20s and it really does make a difference.”

Beating inflation

Seven million (or even $4 million) sounds like an impossible feat, but your personal retirement goal might be quite different. I can help find your target, but both options have their drawbacks — planners cost money and online tools can be confusing to navigate.

If you really want to set yourself up for a healthy retirement, focus instead on one simple goal: beating inflation. No matter how much you save, so long as your return on investment is higher than the rate of inflation, no one can say you’re not a winner. (The current inflation rate is around 1.5%.)

If you’ve got $1,000 in cash, your first impulse might be to throw it in a savings account or a CD. But because savings rates are so devastatingly low now (0.06% on average — yikes), that’s not the wisest approach.

Your best bet is to invest in a 401(k) or open an individual retirement account (IRA) on your own. Both options give you access to low-cost investments that won’t require much upkeep. We’re fans of “set it and forget it” options like target date funds, which are cheap, reliable and adjust your investments as you age with little work on your part.

You might even find out that you’re already enrolled in a 401(k) plan and never knew it. More than 25% of employers offer auto-enrollment for 401(k)s today, and Gen Y workers are the most likely group to take advantage, according to Fidelity. By auto-enrolling, your employer will funnel 3% or 4% of your pre-tax income into a plan.

But if you want to really see your savings grow, you’ll have to eventually take the wheel.

“The problem is that many young [workers] don’t do anything after they’ve been auto-enrolled,” says Jeff Munn, vice president of Benefits Policy Development for Fidelity. “They’ve got a good start but if that’s all they do, they’re not going to get to where they want to go.”

If you’re auto-enrolled  — or even if you’ve actively set your contribution rate — make sure you’re at least saving enough to capture any matching contribution from your employer. Three or 4% is a nice starting point, but 10% or even 15% would be better. Baby steps can help you get there. Consider signing up for automatic increases of 1% to 3% a year. Gradually work your way up to double-digits. By the time you get there, you might be surprised how easy it is to adjust.

Ask your human resource manager if they offer Roth 401(k) options. Just 10% of Gen Y workers take advantage of Roths, which differ from traditional 401(k)s significantly. With a Roth, you contribute funds and pay taxes upfront rather than paying taxes on withdrawals in retirement. For a young worker who’s likely in a lower tax bracket than he will be in retirement, a Roth can help save a boatload on taxes later.

There are endless ways to strategize your retirement savings, and if you’re approaching your goals correctly, it can be smart to seek advice from a certified financial planner at least once a year. 

Regardless of whether you get finance coach, saving for retirement is definitely the kind of “to-do” that should be at the top of your list. Maybe you’ll never hit $7 million or even $1 million in savings, but the point is to make a goal, save for it, and hope for the best. Chances are you will be far better off than had you done nothing at all.

“It can be difficult to make the decision to save for the future,” Munn says. “But people who do that earlier set themselves up much better for success.”

————-

Call Connie Dello Buono CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com to start an EFT saving now for your tax free retirement with no market risks, returns up to 13%.

Idle Money no more in 2014

Instead of the 1% bank CDs, there is indexed annuities at 13%

Safe and does not participate in the downside of the market, with

Zero market risk, only participates in the upside of the market

Instead of 50% taxes on withdrawal of 410K or IRA or sale of your business

Start now with an Indexed Universal Life Policy to safely save your money long term,

Safe, loanable, tax-free upon withdrawal, accumulation and distribution

Grows at 13.5%, leaves an estate to the next generation

When you expect a lump sum in the next few years, have an IUL life policy now

to allocate money to one where the growth is tax-free with no limit on savings

If you want any of the above, let me help you

Connie Dello Buono, CA Life Lic 0G60621

408-854-1833 motherhealth@gmail.com

1708 Hallmark Lane San Jose, CA 95124

Call if you want to act before the end of 2013

Call if you know someone who wants to act before 2013

And supplement your current earnings

We have a team of trainers to get you started in 50 states

As financial planners with full field training

You only need to be motivated and with enterpreneural spirit

Let 2014 be the year, to help others with their idle money

Maximize wealth and minimize taxes

With health benefits at no added costs, access to funds up to $1.5M

And with a stroke of pen leave millions of money to the next generation

Or use it while you are living, tax-free accumulation, withdrawal and distribution

At 13%, guaranteed at 2% and safe secured as the bank with no market risk

A peace of mind, providing less stress and avoiding health threats with illness riders at no cost