Apple and Google believe electricity is the biggest cost; Eliminate electric bills

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Save about $240k in electric bills in 25 years, totally transferable to next homebuyer, 30% tax incentives ends soon.  Email your home address to Connie at conniedbuono@gmail.com or motherhealth@gmail.com to get a 24-hr response via email for proposal to go solar on your home.

Notes:

  • 1.5 months lead time to complete install in California, N. Carolina and Florida.
  • Solar assistant reps wanted (telephone, no door to door sales)
  • Receive a referral fee of $250 for referring your neighbors

Save your electric bills with solar.


Most people think of Apple as a company that makes phones, computers and smart watches – not an energy provider. But in August all of that changed when the firm was given permission to sell energy from a Californian solar farm that it acquired last year.

Apple has invested in renewable energy before and says it ultimately wants all of its operations to be powered by 100% renewable sources. It’s not alone in such efforts, either. Online retailer Amazon just announced the construction of a new, 253-megawatt wind farm in West Texas. Google, meanwhile, has invested in the Ivanpah Solar Electric Generating System pictured above, and it recently joined forces with the company SunPower to provide solar panels to home-owners. Why are tech companies so interested in renewables?

“For these big corporations, electricity is one of their biggest costs,” says Ash Sharma, a solar energy analyst at IHS Technology. “Locking that in at a low price is really critical for them.”

Let’s save lives

Comment from one reader: Spoken with more courage than a true journalist. Fantastic. A tremendous risk you took in confronting these people (racists, homophobic, bigots, haters). The ending is extraordinary. Where you mention it only takes 4 million dollars to buy congress. Extraordinary. Hasan, you took a risk being so poignant with these people but your voice is extremely important. You have humanized the argument.

Connie’s comments: We forgive you racists and haters. Let’s save lives.

Hasan Minhaj at 2015 Radio and Television Correspondents’ Dinner

save lives and not save guns

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Save our 6-bed care facilities for seniors in California Gov Brown

Governor Edmund G. Brown, Jr.

c/o State Capitol, Room 1173

Sacramento, CA 95814

RE: Urging veto of AB 1523 (Atkins)

Dear Governor Brown:

I respectfully urge you to return AB 1523 to the Assembly without your signature because it puts the survival of small assisted living facilities at the whim of insurance companies that may decide arbitrarily to cancel policies or raise premiums to unaffordable levels.

There are almost 6400 RCFEs with six beds or less serving over 37,000 seniors in California. The majority of these small businesses are minority and/or women owned and employ more than 225,000 caregivers statewide. AB 1523, while well intentioned, threatens to put these hardworking individuals out of work and eliminate an option for tens of thousands of seniors.

We favor insurance for RCFEs and a great many of our members have insurance. But if insurance is made a condition of licensure (as AB 1523 would do), then when an insurance company cancels a policy or raises the premium to unaffordable levels (which they have been known to do after a single frivolous lawsuit), the RCFE would be out of business immediately and its residents’ lives horribly disrupted.

This bill should not be signed or implemented until a provision has been made for a risk pooling arrangement or other backup insurance plan, such as the State Fund serves for workers compensation insurance. If such an arrangement were in place, then an insurance requirement would be supportable. Since the insurance requirement in AB 1523 does not take effect until July 1, 2015, there is time to work on legislation next year that puts such a backup insurance plan into place BEFORE making insurance a condition of licensure for RCFEs.

AB 1523 is another example of well-meaning legislation introduced because of a real problem but which has not been thought through and will have very serious unintended consequences and put many small enterprises out of business.

We look forward to helping your administration and the Legislature craft responsible RCFE insurance legislation next year.

Sincerely,

 

——-

Calling everyone to send this letter to save our 6-bed care facilities for seniors in California and save many small business owners.

 

Connie Dello Buono 

 

Money coach and wealth strategist for tax-free retirement

 

 

 

1708 Hallmark Lane San Jose CA 95124
PS. Ask me for 6% index annuities and 13- 17% index universal life policies

Notice Regarding Standards For Medi-Cal Eligibility, Save A Senior

If you or your spouse is in or is entering a nursing facility, read this
important message!
You or your spouse do not have to use all your resources, such as
savings, before Medi-Cal might help pay for all or some of the costs
of a nursing facility.

You should be aware of the following to take advantage of these
provisions of the law:

Unmarried Resident
An unmarried resident is financially eligible for Medi-Cal benefits if
he or she has less than $2,000 in available resources. A home is
an exempt resource and is not considered against the resource
limit, as long as the resident states on the Medi-Cal application that
he or she intends to return home. Clothes, household furnishings,
irrevocable burial plans, burial plots, and an automobile are
examples of other exempt resources.
If an unmarried resident is financially eligible for Medi-Cal
reimbursement, he or she is allowed to keep from his or her
monthly income a personal allowance of $35 plus the amount of
health insurance premiums paid monthly. The remainder of the
monthly income is paid to the nursing facility as a monthly
deductible called the “Medi-Cal share-of-cost.”

Married Resident
If one spouse lives in a nursing facility, and the other spouse does
not live in a nursing facility, the Medi-Cal program will pay some or
all of the nursing facility costs as long as the couple together does
not have more than $113,640 in available assets. The couple’s
home will not be counted against this $113,640 as long as one
spouse or a dependent relative, or both, lives in the home, or the
spouse in the nursing facility states on the Medi-Cal application that
he or she intends to return to the couple’s home to live.
If a spouse is eligible for Medi-Cal payment of nursing facility costs,
the spouse living at home is allowed to keep a monthly income of
at least his or her individual monthly income or $2,841, whichever
is greater. Of the couple’s remaining monthly income, the spouse
in the nursing facility is allowed to keep a personal allowance of $35
plus the amount of health insurance premiums paid monthly. The
remaining money, if any, generally must be paid to the nursing
facility as the Medi-Cal share-of-cost. The Medi-Cal program will
pay remaining nursing facility costs.

Under certain circumstances, an at-home spouse can obtain an
order from an administrative law judge that will allow the at-home
spouse to retain additional resources or income. Such an order
can allow the couple to retain more than $113,640 in available
resources if the income that could be generated by the retained
resources would not cause the total monthly income available
to the at-home spouse to exceed $2,841. Such an order
also can allow the at-home spouse to retain more than $2,841
in monthly income, if the extra income is necessary “due to
exceptional circumstances resulting in significant financial duress.”
An at-home spouse also may obtain a court order to increase the
amount of income and resources that he or she is allowed to retain,
or to transfer property from the spouse in the nursing facility to the
at-home spouse. You should contact a knowledgeable attorney for
further information regarding court orders.

The paragraphs above do not apply if both spouses live in a nursing
facility and neither previously has been granted Medi-Cal eligibility.
In this situation, the spouses may be able to hasten Medi-Cal
eligibility by entering into an agreement that divides their
community property. The advice of a knowledgeable attorney
should be obtained prior to the signing of this type of agreement.
Note: For married couples, the resource limit ($113,640 in 2012)
and income limit ($2,841 in 2012) generally increase a slight..

 

MORE ..read DHCS 7077

dhcs7077

Call Connie Dello Buono CA Life Lic 0G60621 408-854-1883 motherhealth@gmail.com to help you navigate this regulation, part of Long Term Group, RDC , that helps solve long term care fears.

how the rich saved their money wisely and the smart middle class retiring with sufficient nest egg

Saving money ($5k per year) from the time that the baby is one year old can make the baby a Million dollar baby.

Procrastination will not help us save for retirement.

Most people are in debts because they focus on their debts that they have no money left to keep and save.

Did you know that bank money are not really savings because your money is always accessible to buy and spend and so you end up with no savings?

Save a minimum of 15%, live on less than 85%.   Do not buy a house that you cannot afford. This is what your mother will tell you. You can live with your parents until such time that you have enough savings. That would be at 30 yrs of age if you start saving at 20 since your money doubles every 9 yrs at 8% return.

Do not impress people who you do not like but impress your mother or father first by saving and be wise with your money.

The key is you still have to set aside money in the long term. Less waste accumulating in your garage but more on living life within your means.

Make your mother happy by showing her that you have the discipline to save for rainy days.

Ideal financial plan

  1. Save 5%, Emergency: 0% return, no commitment, 3months of funds toward emergency funds
  2. Save 5%, Mid range 3-4% return;  necessities like car and house
  3. Save 10%, Long term: 5-10% return  toward your retirement years so that you do not have to get another job during old age

Do not pay your debts first but pay yourself first by saving money safe/guaranteed and have a good rate of return.

You only have 10 yrs before retirement and you are still thinking about saving in the future but not now. Why wait, you have been working for a long time and you have to pay yourself first.

Save now with automatic pay before retirement threats happen and without you feeling it, your nest egg could grow to a lifetime retirement income of $65k per year for the next 30 yrs of your life.

Borrow money to invest in your savings plan that grows up to 13%.  No excuses in paying yourself first by saving now. A high mortgage or house you cannot afford and a car payment you cannot afford make it difficult to retire with enough money and not go back to a McJob.

When will you start saving, you are in debt paying all the negative debts and already borrowing money.

Let’s start focusing on the positive asset, a savings plan that is growing at least 8% and not the 21% credit card bills.

We are always consuming, but we can control it by saving now automatically from your bank to your investment savings plan at 8-13%. Forced savings is the only way to get yourself in a retirement plan that can pay you a lifetime tax free retirement income with no market risk.

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

Do you want to work at Mcjobs when you are 65 yrs of age? Working at mMjobs is the last work experience for most of those who did not plan saving for retirement.

You can start anywhere from $100 to $1000 per month or more and not be like some of the movie stars or lottery winners who lost their millions. You can even save in one lump sum and wait every 9 yrs to see your money doubles with a rate of return of at least 8%.

Through an invest-o-matic program, many families whom we have helped have forced savings that they can depend for a lifetime , tax free and no market risk. Keep all your money, unlike the 401k which is taxed at least 50%.  You may see more of how this product works on Monday at Oyster Point South San Francisco at 5pm. Contact Connie Dello Buono, CA Life Lic 0G60621 at 408-854-1883 motherhealth@gmail.com .

Are you willing to work for another 20 years of your life because of the risks you took in the market with stocks, 401K and other risky investments that we call gambling?

A hedge in inflation must have a return of 5% or more so you have money left when you retire.

Is your bank safe? Where do you think the word bankrupt came from? Did you know that over 10,000 banks have shut down in the last 10 years?

FDIC means Federal Depository Insurance Company where the guarantee is based on the federal reserves. 20 years ago their reserves are 12 cents to every dollar.  For every $100, the reserve drops to $1.20.

LRL is the Legal Reserve Loss. For every dollar you invest the insurance company must have a dollar in reserve.  All life insurance companies are legally regulated to have sufficient reserve.

The insurance company that I represent has a reserve of $3.67 for every $1 of your money (savings and growth).

For every obligation we get into comes responsibilities.

What if you have a heart attack the next day?

You will always get a job, and replace it but your life cannot be replaced.

If you don’t do anything different do you expect your life in to the future to change any different?

How would you like to have more vacation days, a lifestyle that is debt free with no money problem. Isn’t that what most people dream of?

Join us on May 17 at the Embassy Suites in Walnut Creek if you are interested to have no excuses to earn the income you deserve. 408-854-1883 motherhealth@gmail.com for your free tickets as guest. And learn how the rich saved their money wisely and the smart middle class retiring with sufficient nest egg than those who have earned a high net income. Learn how the young generation have prepared for their retirement income for a lifetime that is tax-free and with zero market risk.

 

Start saving at 25yrs old or prepare for new careers when you are older

  • A 25-year-old just starting to save would only need put away about $160 each month to generate $1,000 in monthly retirement income.
  • Start saving at age 35 and you’ll need to contribute almost $270 a month to generate the same income.
  • For every $1,000 in monthly income, a 45-year-old just beginning to save for retirement would have to put away nearly $500 every month.
  • A 55-year-old just starting to build a nest egg would have to make monthly contributions of $1,154 for every $1,000 in monthly retirement income—that’s double the amount of a 45-year-old and more than seven times the sum that a 25-year-old would need to stash away.

————

Now hiring in financial service arena, call Connie 408-854-1883 motherhealth@gmail.com

Help others with zero market risk and tax free retirement at 8% without participating in negative market growth retirement plan.