Discover your life’s purpose

Today I learned about a clearer picture of my life’s purpose. The life purpose calculator shows you the path to where your energies and focus are to attain the one thing that you desire the most. It is a compass, it is up to you to act on what is close to your heart. Heart above, feet on the ground.

Life can throw you many threats but prepare and surround yourself with people who can help you open to more ways to your path to success. All of us are creative and have energy, harness them well.

http://www.peacefulwarrior.com/life-purpose-calculator

——————–

Connie’s comments: If you are tired of your work and wanted another way to success, call Connie 408-854-1883 to help others win the money game and build your business in retirement savings and helping families plan for their future.

 

What does Obamacare mean for the health-care industry as a whole? stocks, etc

Let me (Ryan) share an example with you that should help you understand Obamacare a little better:

Imagine you sold lemonade for $2 at a stand in your front yard.

Let’s say 100 people walk by your stand each day. And of those people, 50 choose to buy… 25 people don’t… and 25 people would be interested but could only afford a cup for $1.

Then, one day, the government passes a law that requires everyone to buy lemonade. For your 50 existing customers, they’d continue to pay you the $2 a cup they’ve always paid. In addition, though, you’d capture $2 a cup from the 25 people who didn’t want lemonade but now have to buy it. And for the 25 who couldn’t afford it, the government would pay you to offer lemonade at $1.

In other words, the government would be giving you more customers and paying you at the same time. A pretty attractive deal when you consider that your business would’ve grown its revenues 100% practically overnight. And that a simple piece of legislation would’ve made you — and your investors — a heap of cash.

Now to be fair, Obamacare doesn’t really work like this. For one thing, the government has high hopes that the program will lead to lower costs for health insurance — to carry the lemonade analogy further, the law would set limits on your ability to charge more than your actual expenses plus a reasonable profit rather than letting you keep selling at $2. Moreover, while Obamacare’s individual mandate calls for everyone to have insurance, people still have the alternative of not getting coverage and paying penalties instead.

Still, the likelihood is that many more people will buy insurance than before, and that could lead to big gains both for the companies that provide that insurance and the hospitals and other medical providers who serve newly insured patients.

All that explains why we’ve already seen numerous health-care stocks return as much as 71.0%, 124.3%, and even 130.0% since the bill passed. Not only are they likely to benefit from huge numbers of new customers; they’re also going to reap profits from government subsidies as well — and that means a never-before-seen profit opportunity for investors like you and me…

These landmark changes don’t happen often. But when they do, you need to be ready (and well informed!) if you want a piece of the profits. So stick with us and pay close attention to what Dan has to say about Obamacare’s provisions… Then later, I’ll be back to give you the inside track on Obamacare’s winning investment formula.

http://www.fool.com

Cash upfront or payments over time

cash or future 2cash or future

Call Connie 408-854-1883 motherhealth@gmail.com , now hiring in 49 states , financial retirement planners and wealth strategists ; motherhealth@gmail.com , pfaonline.com

 

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

—————————–

10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at motherhealth@gmail.com 408-854-1883

Americans buy health plan to avoid high cost of medical care

I buy a health plan to avoid high cost of medical care and most Americans have the same reason (motherjones.com).
And if health insurance against devastating medical costs is a good thing for us middle-class types, it is a good thing for the poor people too.

I remembered my co-worker who few months ago suffered a stroke and after recovering he incurred so high medical costs that he could no longer pay his house mortgage.

Critical illness and terminal illness will affect our retirement savings if we have one and our assets.

To protect assets, provide additional full living benefits due to terminal, critical and chronic illness and retirement income tax free are the main features of the product of National Life Group a flagship company brokered by Premier Financial alliance who is now hiring financial service people savvy and business minded individual who can build teams and help consumers meet their current and future retirement plan and other financial planning needs.
Call Connie if you are looking for Plan B, part time or full time job and located in 49 states in the USA. 408-854-1883 ; motherhealth@gmail.com

 

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

—————————–

10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at motherhealth@gmail.com 408-854-1883

Stop eroding your retirement income from 401k fees, consumerreports.org

Among workers 18-34 years old, 56% are not saving. A 58-yr old who saved by putting aside $100 per month since 1979 lost around $100k in 401k fees. Wallmart and its brokerage, Merrill Lynch, agreed to pay $13.5 million settlement in a class action suit by failing to negotiate lower 401k fees for the plan’s mutual funds which costs the participants/employees about $60 million over 6 years.

Employee Retirement Income Security Act (ERISA), a federal law governs retirement plans.

Red Flags or Signs of a dud 401k:
• No index funds
• Fund expense ratios of 1% or more
• Delayed vesting of employer match
• Matches only in company stock
• Funds not diversified
• Low or nonexistent employer match

Mutual funds costs estimate for a $50,000 saving invested over 20 years:
• Fidelity 0.62 expense ratio, total costs $12,199
• T Rowe Price, 0.75 expense ratio, total costs $14,529

——————
For the self-employed, there are other options such as Roth IRA, Indexed Annuities and Index Universal Life Insurance. See books of Patrick Kelly , Tax Free Retirement and Retirement Miracle
——————

We are hiring in the USA, financial service pros that can serve those who can beat the fees and loses incurred in 401k with zero market risk and full living benefits for terminal, chronic or critical illness. Call Connie 408-854-1883 or motherhealth@gmail.com at http://www.pfaonline.com

 

—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.

—————————–

10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at motherhealth@gmail.com 408-854-1883

Wealth not disappearing, a positive comment from Boston MA

Even Japan, trapped by its geography, can find ways to enrich its citizen if there are political will and fairness.

Greece would not have been so dire if its citizens had not engaged in tax dodging as a pastime and its shipping industry, once synonymous to its industrial prowess, was able to skip fair taxes by law.

America is the land of plenty. While there are frauds in social programs, a well defined program like the G.I. Bill have been instrumental in creating a huge educated middle class after WWII. A few pennies from the rich who can afford to employ accountants and lawyers to set up the estate can go a long way to give children of families with lesser means a chance to be contributed member of the future society.

A nation should not be about 5 year planning, let alone just-in-time reacting. It should be generational. So, yes, in dire times, all in the current generation must contribute a little bit more. Because our children will pay dividend.

———–
Connie’s comment
Well said, many families tapped into the life insurance industry to leave behind a legacy, big enough to provide education and business loans for the future generation. This should be fully used by other communities, especially the minorities for the children could afford college without working at the same time and build their own business with needed start up capital.
We are currently hiring business and finance oriented people savvy Americans at pfaonline.com. Contact Connie 408-854-1883 motherhealth@gmail.com for more info.