How To Save For Retirement—(By Doing This)

Save For Retirement
How To Save For Retirement


How To Save For Retirement

We all know it’s important to save for retirement. But too much of us have not done so. Some of us have put off saving for retirement, for one reason or another and now we are nearing retirement we discover we do not have money saved for retirement.

Just how much money will we need for retirement? No one knows for sure some financial experts suggest between $500.00.00 to $1,000000.00

It is suggested that you should be saving at least 20% of your salary per month

According to an article published by Bankrate online magazine Fidelity recommends certain levels of retirement savings as you age. For instance, at age 30 you should have at least your annual salary saved. When you turn 40, you should have three times your salary. And at age 50, you should have six times what you earn annually saved for retirement. By the time you turn 60, the goal is to have eight times your salary saved – and it should reach 10 times your salary by age 67.

Now I know for some of us this might be an impossible task given when we are in so much debt. But first things first, try to pay off or pay down your debt. You can increase your income with a side job.(Check out online marketing here)

According to Financial Expert, Dave Ramsay published on his  website.

Open a taxable investment account. In most cases, you can’t take out money from your 401(k) or IRA before age 59½ without facing an early withdrawal penalty. The way around that is to open a taxable investment account. You can put as much money as you want into the account and take money out whenever you want, but you’ll have to pay taxes on any money your account earns.

Make Investments

  • Invest in real estate. Buying a rental property can be a great way to earn passive income, but there are some very important guidelines I want you to follow—like staying local and having an emergency fund set aside just for your rentals. But the most important one is this: I want you to pay cash for your real estate investments—no exceptions. Don’t put yourself at financial risk by financing a rental property. It’s a bad idea.
  • Take advantage of your HSA. With an HSA, you can save—and even invest—money to pay for deductibles and other medical expenses tax-free. And once you turn 65, your HSA acts like a traditional IRA—which means you can take out money for anything you’d like. But you’ll pay taxes on it when you do—just like a traditional IRA.

There are many retirees, myself included wish  we had saved more, The truth is that saving for retirement is a challenge, especially with dealing with the current expenses.

But there are some steps that we can take it may seem to be insignificant but when pooled together it may turn out to be some significant savings hiding in plain sight right there in your budget.

Cut down on your cost of living

Any pay increase you may get, do not spend it, save it I know the tendency is to spend on things we think we need or want, like an upgrade of our household furniture, or car, or travelling to that hot vacation spot. But quench the urge, you will be happier in the long run.

Make a monthly budget and stick to it, with a monthly budget you will be better able to control your  spending and your money.

Budgeting will allow you to make a plan for every dollar that way you will have a clear idea how your money was spent.

Stop Overspending on Non-Essentials

Cut out things and activities that are not essential like going clubbing every Friday and buying those expensive drinks. Or buying those extra pair of shoes that are not needed, but they are cute (guilty)

Its ok to treat yourself once in a while but there is no need to over do it. Remember there is a time coming when this money spent will be needed

If $150.00 can be saved by cutting down on your non-essentials, in the 15 years that $150 per month would be $70,000.00 that means your retirement savings would be better by $70,000.00

Pay down your debt it is stated that at least 31% of our debt are credit cards debt, please do not borrow to pay them down it does not make sense, find other means of earning money just to pay off your debt.

There many side jobs you can do

  Freelance Your Skills

One of the best benefits to freelancing is the ability to set your own schedule work as much or as little as you want.

There are many businesses in need part-time services, creating many opportunities to make money on the side.

Just about any skill you have can be sold including  web or graphic design, bookkeeping, virtual support services, teaching, writing and more.

Blogging, Tutorials, courses, Books

The Internet has made learning new things easy and affordable. I know I have solved many  problems by just looking for it on YouTube, and the chances are 9 times out of ten I will find a YouTube video that will show me how.

You may not be paid for the actual video but YouTube does offer ways to monetize your videos with advertising

So if you have a particular skill you can make a how to training video and make some extra cash helping others.

Another way to earn money is blogging, which is my favorite.

  • Blogging:Has many benefits you get to share your passion, your hobbies and the added benefit of being able to earn from it.
  •   There are several ways to make money from a blog but the best way I think is affiliate marketing.
  • Affiliate marketing is promoting products through your blog and earn a commission when a customer purchase a product by clicking on the ad which takes them to the online store where they make the purchase.

Affiliate Marketing is a very good way to not only earn  active income but your earning could also become a passive income earner as well.

With affiliate marketing there is no inventory to keep, no staff to pay, no building to maintain and you can start for free.

Wealthy Affiliate

There are many platforms that will allow you to start for free or at a very low cost, but at Wealthy Affiliate, is the only platform that I am aware of that will allow you to remain free. There is no expiration date.

With the free lessons you will receive phase1 of what I consider the best training manual for online marketers ONLINE ENTREPRENEURS COURSE phase 1 consist of 10 lessons and at the end of these lessons you will have a beautiful WordPress website ready for business, fully functional, free hosting free backup, you also have access to 2 websites and 12 themes to choose from and much more

And to obtain this offer you will not be asked for any financial information, you will only be asked for your name and email address, so check it out you have nothing to lose.

Here is a video of one of the free classes

getting your site ready for search engines
Getting yore site ready for search engines

Of course there is also the premium membership which do cost, but there is so much that is been offered in the premium package, I think it is worth it.

This is the cost of the premium package, there is a discount on  the first month if you upgrade to premium within the first 7 days of becoming a free member, you only pay 19.00.

What some members have done, because they wanted to see just what is being offered in the premium they went premium using the discount, you could do that too and I know you will be impressed like I was here is the premium billing options

AT Wealthy Affiliate you will be surrounded by a community of people with the same mindset one of being successful entrepreneurs, so the members of this community will be there to assist you in any way they can, and we are available 24/7 because we are drawn from 193 countries there are people from different time zones, so someone is always there, you will never be alone.

We also have an awesome  Tech support team they are also available 24/7 and you can access them right from your dashboard not like some others where you have to dial out to an 800 number and  a cost is charged to you. Everything is included in the package.

Now I am not saying you will achieve success with little or no effort, you will have to be determined, patient, disciplined I saw a Quote that describe entrepreneurs as  living a few years of your life like most people won’t, so you can live the rest of your line like most people can’t

The affiliate marketing business is like any other business you have to work at building your business, building your customer base and your customers trust and this takes time,

So I am encouraging all those soon to be retirees, retirees, stay at home parents and anyone who needs to make some extra money look into affiliate marketing, and the best training platform built for every marketer whether no experience some experience or a super affiliate and that is  Wealthy Affiliate

You can become a member of Wealthy affiliate by clicking on any of the links in this post and I will be your personal coach. You can try affiliate marketing for free, hoping to see you on the WA  platform.

Thank you for stopping  by please remember to share, leave  all questions and comments, in the space provided at the end of this post, and  I will reply.

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).

Can I Make Money On Face Book (Yes, Here Is How)

Affiliate marketing through facebook
Can I make money with Facebook

Can I make money on Facebook

This question is one that is asked by a lot of entrepreneurs and others I will attempt to answer this question, having had some experience with Facebook

Facebook has over 1 billion active members using the social platform each day, There quite a few social media sites but  Facebook is the largest and most popular social media site to date.

It would be easy to assume that because of the size of the audience it would be very to earn money on Facebook, but this is not so.

There are a lot of competition with others trying to capture a piece of the market, and not every post is shown in a user  Facebook post. So not many of those who follow you will see your post. Only 2% of your followers will see your post.

Facebook wants you to “boost” your post by paying for a Facebook ad to have your post reach more of the people who “liked” your page.

But you can make some money using Facebook free traffic, we will look at how this can be done.

 Choose Your Area Of Interest

It is important that before you start earning through Facebook, you must pick your niche first.

This will allow you to focus in one direction, in this way If your focus on your niche, you will get to know your audience, and they will get to know you

Check out this video on choosing your niche

Building your own niche site
Building your own Niche website

So, you need to pick a topic that you like and will want to work in for the long haul because you need to do this method for a few months to have it work.


Choose An Affiliate Program

The next step is to find an affiliate, there are many affiliate networks like ShareAsales, .which represent many companies, you are almost sure to find a company with the products you are interested

This type of online business is called online marketing, or affiliate marketing, ( you can find more details on affiliate marketing here.) 

Affiliate Marketing as stated by Wikipedia is a type of performance-based marketing in which a business rewards one or more affiliates for each visitor or customer brought about by the affiliate’s own marketing efforts

A commission is earned by someone clicks on your affiliate link which takes them to the product or service and if they buy the product or anything else you will earn a commission.

When choosing your affiliate program be sure to choose products that are relevant to your niche.

Be sure to promote product you have confidence in. Promoting products that you love and have tried will make it easier to promote them.

If you have not tried the product yourself, but have done your research on the product and you are confident the product is all it said to be then it is ok to promote that product but remember your reputation is on the line.

You must keep in mind that your goal is to meet the needs of your potential customers .

To achieve this goal, you must understand your target audience first. You must learn what they need or want.

To get an idea of the needs of your audience The best way to go about this is by creating a customer profile. You can get an idea by using Google analytics tool.

You can also ask your audience what they want by way of  surveys, emails, and comments from your blog posts.

Always keep in the forefront when selecting a product, the product quality,

Never forget the quality of the product you’re promoting because this will affect not only your income but also the level of trust your audience will have in you.

If you have not used the product yourself be sure to check the reviews Take note of their return rate. If it is high, it’s likely that they are of low-quality.

When choosing your affiliate program, I know we are tempted to choose high commission but. Keep in mind that higher commission rates don’t always mean the products  are better.

Some products may offer higher commissions but are difficult to market. Here is a statement by one of our founders regarding high ticket item

If you are going to go the route of “high ticket affiliate marketing, make sure that you are promoting products with VALUE and that people are exchanging their money, for a true value product/service. Like a fridge. Like a watch. Like something legitimate.”

You can read the article in its entirety here

Facebook Group

To get more free traffic you can also join a Facebook group or start one yourself.

There are many groups advertising for members, just chose the one that represents your niche, you can have a look through and see what the members are like, and just what the rules are

Start your own group

To start a group yourself, it’s easy,  If you already have a Facebook Page, Facebook is asking you if you’d like to have a group to go along with it. You can start a group easily following these steps.

Go to your Facebook Page and click on the More menu icon at the far right under your cover photo. Choose Create Group. If you don’t have a page, use the arrow down (upside down triangle) at the very top right of the Facebook menu bar, and select Create Group.and follow the instructions provided, you can set your own rules.

So the answer to the question can I make money on Facebook is yes I have made money on Facebook

But in all honesty I have found the best way to get an audience for free is through writing good content to your blog post

Get yourself a website (you can get one for free here) choose a niche and products corresponding to your niche get an affiliate for those products monetize your post.

If you are not sure how that is done, then click here to start your journey to becoming a successful affiliate marketer. You can start here for free.

If you have a question or a comment please leave it in the space provided at the end of this post and I will  reply please remember to share thanks.

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).


Content goes here.

How To Make Money With Amazon Affiliate Marketing For Free

Amazon Associate Program.

There are many ways of earning online when you have your own blog or website.

As, I have noted in  a previous post.

But in this post, I am  sharing how to make money using affiliate marketing from Amazon, there is no cost using this method and it is a very good start for beginners.

Earning through Amazon is one of the most popular ways for people to make money online but there are some very strict guidelines set by Amazon.

There are many stores that offers online shopping But Amazon is not only one of the biggest and most reliable over the years Amazon has built for itself a sterling reputation of trust which is very important in the online market.

The Amazon affiliate are called Amazon Associates here are some important facts about Amazon shoppers

80% of Amazon shoppers make a purchase at least per month once per month

Amazon Prime members spend at least $1,000 per year on Amazon.

Amazon customers rely on product reviews to make a purchase.

According to Amazon made $232.88 billion in 2018.

Amazon was started in 1996 as a small online retailer selling from the founders garage Jeff Bezos, there was not enough money for advertising in those days so a commission was paid when a referred customer made a purchase

The Amazon Affiliate program,  is an affiliate marketing program.  It’s free for website owners and bloggers to become Amazon Associates.

They advertise products from on their sites by links supplied be Amazon

When customers click the links and buy products from Amazon, they earn a commission.

The Amazon Associates Program launched in 1998,and at that time online marketing was in its infancy stage, there was not a lot of ways to make money online, things have changed dramatically, and I think it’s due to Amazon’s affiliate program.

Amazon has since  expanded its product line, the ability to make income from Amazon has become easier.

With all online marketing it is best done through content production, that is writing about the product you are promoting and the best way to do that is to have your own website (you can have one for free HERE).

Like any other home-based money-making business, earning an income with Amazon requires research, work, and marketing. Here are some tips for maximizing the Amazon Associates Program. Amazon commission is considered to be low, so you will have to sell a lot to earn anything substantial

I would advise that you choose some products that are priced between $50-$200 of course you can choose lower priced goods too as there is a chance that the lower priced goods will be easier to sell, but you should bear in mind that the earnings will be low.

Here are some pros for becoming an Amazon associate.

Pros of Becoming an Amazon Affiliate

There are several great reasons to join Amazon Associates program, including:

  • Amazon is a highly visited, well-known name that people use and trust every day.
  • It’s free to join.
  • There are no traffic thresholds or other metrics you need to be accepted into the program.
  • There are tons and tons of products you can promote.
  • Amazon has many tools to help you sell specific items, or a category of items.
  • There is a good reporting system so you know what’s getting clicks and what’s selling.
  • You can receive direct deposit payments into your bank account.
  • Amazon offers good customer service to its buyers, so you reduce the risk of having your visitors get mad at you if they have a problem with the product.
  • Even if your visitor doesn’t buy the product you referred, if they buy something on that visit, you earn a commission.

To become an Amazon Associate, you need to visit the amazon associate website

Then click on I am a new customer

State who is the main contact for the account

Build your Profile

List the websites and mobiles you plan to use as an associate.

Answer questions about traffic and content to complete your profile.

Wait for a phone call to verify your identity

Wait for a phone call to verify your identity

Cons of the Amazon Associates Program

Nothing is ever perfect, including the Amazon affiliate program. Here are a few downsides:

  • The commission is between 6-10% which is  low compared to some other affiliate programs.
  • Their cookies only last 24-hours. That means if your referral doesn’t buy within 24 hours, you won’t get credit. (However, if the product is added to their cart, the cookie lasts 90 days.)
  • You’re not allowed to send Amazon affiliate links in emails. That includes blog posts that get sent as an email.
  • If you have a U.S. site and are promoting products in the Amazon U.S. store, you won’t get credit for referring someone who ends up buying the product from outside the country (i.e. Amazon UK).
  • To get credit for getting paid for purchases outside your country according to
  •  Selling internationally on Amazon

How To Sell Internationally On Amazon

  1. Step 1: Register to sell globally on amazon. …
  2. Step 2: Enter the required details and make a payment. …
  3. Step 3: Link the regional amazon seller accounts. …
  4. Step 4: Create the product listings in the new international marketplace and start selling. …
  5. Step 5: Keep the language requirements in mind.
  • Payment options are only through direct deposit, check, or Amazon gift card. There’s no PayPal option.
  • Amazon  payments are sent 2 months following the end of the month in which they were earned .
  •  The minimum payment for gift cards is $10 and the minimum payment for checks is $100]. If you don’t meet the minimum payout amount, your earnings will be rolled over to the next month$100, which isn’t that much if you make lots of sales, but a lot of you’re only earning a few dollars a month. states Amazon will not accept you as an associate unless you have a website or YouTube with content and have an audience.

If you do not have a website and desire to own one you can do so for free at Wealthy Affiliate, and it will cost you nothing.

Wealthy Affiliate was started in 2005, and has an A+ rating at BBB. Our membership is drawn from 193 countries and has a community of 1.4 million

You can learn more about Wealthy Affiliate here


There are two types of membership, the free and premium. There is  a big difference in what is available in the premium membership.

I have left a list of what’s provided in both membership.

With the free membership you are  given 10 lessons  and 2 websites and at the end of these lessons your websites will be up and running

The premium membership you are given 50 web sites, you can have many streams of income.

I have a link to a blog post by a member of Wealthy Affiliate and a training  about Amazon affiliate hope you find them informative.

Thanks for stopping by and if you have any question or comment please leave them in the space provided and I will reply ASAP

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).

Why is it harder to retire today? Prioritize your retirement savings

Retiring years Not So Golden

At one time in our life  retirement was a given, and eagerly anticipated final chapter after years of working hard.

While some people might choose to stay in the workforce a while longer , many look forward to leaving the daily grind of going to work.

But  in today’s  world, enjoying one’s dream of golden years work-free has become an unattainable dream for many

According to a Northwestern Mutual study, nearly 8 in 10 Americans are extremely or somewhat concerned about affording a comfortable retirement

Here are some of the cause that is  impacting our ability to retire comfortably in our retirement years.

Life expectancy is longer

People are living longer due to the rapid advancement in modern medicine our lifespan has been  extended by some 30 years and according to Danielle Roberts, a Medicare expert and co-founder of Boomer Benefits, this means we boomers   have to save for a longer lifespan in retirement,

Danielle Roberts says “Our retirement savings must factor in housing expenses, utilities, lifestyle and healthcare costs, which many Americans just aren’t prepared for financially by the time they reach 65,”

Education Costs More

Another big reason why  retirement is harder now than in prior generations is the spiraling cost of higher education

And many boomers  have prioritized paying for putting their kids through the college of their choice over their own retirements

And this also includes student loans, with the cost of education getting higher students are likely to apply for a student loan.

And parents are sharing in this cost by taking on this debt either in part or in full and in so   saving for retirement is put on the back burner.

Social Security

With the cost of living getting higher the money what we get from our social security is not sufficient and with the constant rumor that social security will soon end it is best to put too much emphasis on social security when thinking about retirement.

Part Time Income Earner

It is always a good idea to have an extra source of income whenever possible, as this extra income will allow you to pay down your debt and allow some savings.

But it must be remembered that these sources of earning usually do not have any retirement benefits, so we need to look out for ourselves, we have to take all the necessary steps to make sure our retirement is comfortable.

If you are a few years from retirement and you need to add some security to your retirement account I would recommend  looking into owning your own business.

Online Marketing

Online Marketing is one of the best ways to earn a good income without any of the hassle that goes along with owning a physical business.

Online marketing is cost effective, (you can become a member of one of the best training  platform for free here)

There is no keeping of inventory. No shipping, no return to handle, no customer service, there is none of the usual headaches of owning a brick and mortar business,

Just in case you are not sure what online marketing is here is the meaning from Wikipedia

Affiliate marketing is a type of performance-based marketing in which a business rewards one or more affiliates for each visitor or customer brought about by the affiliate’s own marketing efforts.

But before you earn money, you will need to create your niche website and then work to get  traffic to your website.

Without a website, without content, and without traffic, the MONEY part simply doesn’t happen. And because of  this fact  I would like to tell you about Wealthy Affiliate.

Wealthy Affiliate

Wealthy Affiliate is (in my opinion) one of the best training platform, but this platform is not only for training but it is for every online marketer, whether you are new to affiliate marketing, have some knowledge about affiliate marketing or you are a super affiliate marketer (making over $7000.00 per month.)

At Wealthy Affiliate you will be taught how to transform your passion, hobbies, or ideas into a profitable business,

Here is a video How to make money on line this is lesson 2 of our 10 lessons or phase 1 of the best training course there is and this  is available to you when you become a free member.

Understanding how to make money
Understanding how to make money Lesson 2 phase 1

Being a free member you have access to two websites, 12 themes to choose from for your websites at the end of these 10 lessons you will have a beautiful looking, mobile, and revenue ready website. State of the art, ultra powerful and secure hosting will allow you to grow your business

There is also the premium membership, and I would encourage you to upgrade to the premium membership, the premium membership has so much more to offer, there are more opportunities to have many more streams of income

Yes being a premium does cost but when compared to the great tools and information given to assist you in reaching your goals the cost is well worth it.


You can read all about Wealthy Affiliate here, I hope you will see the great value in investing in Wealthy Affiliate to own your own online business.

I am in no way saying that you will be able to make a lot of money overnight, no affiliate marketing like any business takes time.

You are going to need time to earn the trust of your audience, just like any other business.

And as in any venture you will need to put in  hard work, perseverance, learning, studying, sacrifice and most of all be patient, your business will be successful  but it takes time.


There is no cost in becoming a member of Wealthy Affiliate, you can become a member build your website, following the video training it only takes 30 seconds, and see if it is something you could do,

If it is you can continue, remember there is no expiration date in being a free member, I have seen members remaining free members for a long time, I do not know just how successful they were staying a free member.

Wealthy Affiliate has been around for almost 15 years, and the members here are from 193 countries, and number about 1.4 million, I invite you to try affiliate marketing, you will never know if you would like it if you do not at least try.

Joining the free membership you will not be asked for any financial information you will only be  asked for your name.and email address, so there is no fear that you will be credited for anything.

Please do not let fear of the unknown keep you from experience the feeling of owning your own online business.

I understand the fear, I also had that fear, I was a senior in my 70s had no prior knowledge of online marketing and no computer skills.

But with the training videos which is done in a manner that you do the lessons at your own pace. And the videos are always available for you to revisit at any time.

There is also a community made up of like-minded people who are willing to assist you in any way we can, in this way you will never be alone there is always someone around to assist you.

So why not give it a try, you have nothing to lose, and a lot to gain. And you can become a free member by clicking on any of the links in this post and I will be your personal coach.

Thank you for reading my post, I really appreciate it,  and if you have a question or a comment please leave it in the space provided in at the end of this post and I will reply ASAP, please  remember to share this post thank you.

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).

Bankruptcy Affecting Seniors —— Ways To Avoid Debt

Ways to avoid bankruptcy
Bankruptcy affecting seniors


Bankruptcy Affecting Seniors

Baby Boomers are referred to those of us who were born between 1946 and 1964 and is often a difficult group to analyze and target.

Baby Boomers are in all  life stages – from single to married with young children to empty nesters and everywhere in between.

Ready For Retirement

And of these boomers only  25% of this age are confident their savings will last throughout retirement.

Are you one of the 25%? are you ready for retirement? How do you compare to other Boomers?

Most boomers don’t have enough savings, and are not managing their accounts well enough and therefore are relying heavily on Social Security.

And, we know from many studies that  life expectancy is longer than ever before, we  can now be expected to live in our 90s and with that  the needs for health care is greater

And with the ever  increasing cost of healthcare on a whole,cause many families hardships unless they have planned for it.

It is true that some of us  may have more access to retirement income than their forebears, but it is also true that a lot of us are also carrying more debt.

Most of us are still carrying mortgage debt when we reach the retirement age 65  ant that is up from 22% in 1995 to 38% in 2013 according to the Joint Center for Housing Studies at Harvard.

And we are taking more debt into retirement than previous generations, and mortgage debt is the biggest fact. It is believed this is due to the refinancing boom before the housing crash.

According to  Lori Trawinski, senior strategic policy adviser at the AARP Public Policy Institute.

During  the years leading up to 2008, homeowners took advantage of low rates and deductibility of interest to refinance,The equity was taken out and used  for things like education or a new car,

The higher debt levels will have a variety of effects on us, some of us  will be stuck in homes with paying a very high mortgage (or underwater mortgages)  others will use low-interest mortgage debt to keep more cash on hand or to keep other money invested longer.

They are providing financial support

Some 58 percent of boomers are providing financial assistance to aging parents,

And boomers are even more ready to help their children, whether it is helping in buying a home or car or college fees.

And a lot of us have children that for one reason or another have to move back home, and quite often these kids do not contribute to the expenses that they help to create.

In some case money is taken out of their retirement accounts to help their kids, but the assistance is coming out of funds that otherwise could be additional savings.

Some boomers are working around the problem of not having enough savings by staying employed far into their 70s, at least in part-time positions.

But not all of us boomers can work longer because of health reasons it may not be a realistic option for every person.

Physically demanding jobs are often difficult for older workers, and learning a new skill could be a difficult challenge.

There are certain things that one can do to avoid getting into uncontrollable debt

 Prioritise your needs

Before making a purchase be sure the item is essential to you. Avoid non-essential items,

Avoiding semi-essential and non*essential  will have a positive effect on our finances.

Make behavioural changes

We can make some behavioural changes. For instance, we can cut out the fancy coffee drinks from our favourite coffee place, we can bring our lunch to work instead of buying lunch from the lunch cart or restaurant,

It may seem like a small amount of money, but when the cost is added up every day you will see  the extra amount you save by making behavioural changes, you will realise how much you can save over time.

Consider debt consolidation

If you are in a lot of debt you may want to consider speaking to a debt counselor, A debt counselor can be found with any debt consolidation company.

So Instead of paying different debts with different interest rates, you may want to consider this option where you consolidate different loans under a single loan. This can simplify your life and get you out of debt faster.

There is also the option of earning extra income, and this can be done not only by seeking an extra job but by creating your own online business.

I am recommending online marketing which is also affiliate marketing, you may be wondering what exactly in affiliate marketing.

Affiliate marketing

Wikipedia defines it as “a type of performance-based marketing in which a business rewards one or more affiliates for each visitor or customer brought by the affiliate’s own marketing efforts”.

Simply put, affiliate marketing is an agreement between you and a company, to promote their product and receive a commission if someone buys that product.

I know some of us have been scammed by those ads that say “Make money online!!! Be your own boss! Work from home!” and if you are like me, you thought sounds too good to be true must be a scam

And I was very skeptical, because I also had other thoughts about my abilities to work online, without supervision, I had no knowledge about online marketing, no technical knowledge, I am an older boomer and my typing proficiency was less than 30wpm.

But I came upon an add, about Wealthy Affiliate that offered free membership with no strings attached, no financial information was asked for so I took the plunge, and I am still there, with no regrets.

If you are new to affiliate marketing there are some process I would recommend,

Pick a topic

Firstly, pick a topic(  your niche) and this should be something you have an interest in. or something you are passionate about.

If you are unable to decide just what you would like as a niche, Wealthy Affiliate will help you choose a direction of your business from over 1,000,000 different niches.

 Build a website

Next up, you need to build a website! I thought this would be extremely confusing and difficult, but it really wasn’t. At Wealthy Affiliate the process takes less than 30 seconds to build a beautiful looking, mobile, and revenue ready website.

State of the art, ultra powerful and secure hosting will allow you to grow your business with Wealthy Affiliate.

Fill your website with relevant content

Fill your website with content that will be useful to the people who are interested in your niche,and do not think you do not know much about your niche, you will be doing research and in time you will become an expert.

. Promote your website

When you’ve set this up, all that’s left to do is promote your website so you can get more people to your content, and more potential for commissions from referred sales.

People are your business. Without people, you have nobody to sell or advertise to.

Within the first few lessons at Wealthy Affiliate you will learn all about the most current traffic techniques and how you can get an ABUNDANCE of relevant customers to your website.

 Find products to promote

Once your website is up and running with your relevant content  you are now ready to monetize your site.

Once you have traffic, you need to “make money” from this traffic. This is the fun part.

Without spending a dime, you can promote all the top brands in the world through affiliate programs.

As a Wealthy Affiliate member, you’ll learn how you can choose from close to 600 MILLION products/services and easily promote them on your website. No inventory. No shipping. No support required.

This is a video of lessin 6 phase 1 please take a look

getting your site ready for search engines
Getting yore site ready for search engines

At Wealthy Affiliate there are two forms of memberships,the FREE and the premium.

The difference between the two is the amount of information and tools that is available in both.

With a free membership you will have access to the first phase which is 10 lessons of the Online Entrepreneur Course.

At the end of phase 1 you will have built your beautiful website ready for business.

With the premium membership you will get the tools to grow and maintain your website

Here is the premium billing

Here is a tip from me, you can join for free and look around, I think you will be impressed and if you would like to see more you can go premium for a month (if you go within the first 7 days you pay only $19.00) and you will see the great information and tools that will be available. 

Here is a video of one of our live presentations that is available on premium members.

Creating a beautiful professional website

I am not telling anyone that affiliate marketing is going to be an overnight success, it is not.

It is going to take time, dedication.patience,and hard work,I would like to share a post by one of our members

Do not be doubtful of your success I have a favorite quote that keeps me motivated. Whatever the mind of man can conceive and believe, it can achieve.” – Napoleon Hill

My final thoughts

Affiliate marketing is one of the best ways to earn money online, there is no big expense involved, no additional rent to pay, no building upkeep, no stock, no handling of customers, no returns.

You can work from anywhere, no commuting to and from an office, make your own schedule,

Here are some comments from a couple of our members

“Wealthy Affiliate transformed me. It turned this ordinary guy with no clear career path into someone who will ALWAYS be able to generate an income online. At Wealthy Affiliate you get ABSOLUTE clarity in every aspect within an otherwise foggy and often confusing ‘online biz’ industry. Thank you for everything, Wealthy Affiliate!”

Marcus (Marcus WFHW)

Current Premium Member

It’s been over a decade since joining WA and it has helped me achieve financial and personal freedom that a job could never provide me. At one point my wife and I were able to quit our jobs, buy our dream home and travel the world with our daughter as a result of the business WA helped me build. Here’s to another decade of success for all of us!”

Eddy (EddySalomon)

Current Premium Member

Now you can become a member for free, after looking around the platform I would suggest you at least build your website and you decide affiliate marketing is not something you want to do you can quit and you would have lost nothing.

In becoming a member of Wealthy Affiliate you have not made any commitment to Wealthy Affiliate you can stop at any time.

You can become a member by clicking on any of the link through out  this post, and I will be your personal coach, Wealthy Affiliate also boasts  a community of very helpful members drawn from 193 countries.

Thank you for reading this post please remember to share and you can leave your questions and comments in the space provided at the bottom of this and I will respond ASAP

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).

Retiring with massive debt (Increase Your Income Earn, Extra Money Online)

Earn an extra income
Retiring with massive debt

Retiring With A Massive Debt

On nearing retirement we should have enough in savings to live off in retirement.

Unfortunately for many of us this is not so, some of us are burdened down in debt.

Most financial advisers says that in entering retirement we should do so with as little debt as possible.

It must be remembered that in retirement your income will be typically less than what you would earn working in your regular job.

This lack could be offset by having a side income, an extra income earner, It would be good to find a side hustle before you retire.

In retirement your income may decrease somewhat, because you may not have to spend to commute to work, and all the little extras that you need to spend.

But as we get older in most cases our health also deteriorate and our health care cost may increase and quite many us has no other health insurance but Medicare, which does not cover everything that we need eg. eye and dental care.

If you are one of the near or retired person and are overwhelmed by the burden of massive debt.

Steps To Take In A Financial Crisis

There are steps that can be taken to help you to whether this financial storm.

Most people think filing for bankruptcy as a way out, but taking this step can have a negative lasting impact on your credit history and finances

Do not make any decision because you feel pressured, it is never a good idea to borrow, especially from institutions like  payday lenders, which are short-term money lenders. Their interest rates are extremely high.

No matter how desperate your position may seem, you will always have a little  time on your side to thoroughly review and talk to a financial professional.

Seek Credit Counseling there are may credit counselling companies that will help you out of your financial dilemma.

Along with meeting with a counselor or talking to creditors about payout options, near-retirees can look into starting your own business.

Earn Additional Income

As a retiree in too much in debt myself, I can relate to your position and if you are one of those who are or will be able to retire in comfort you can have a look into this too as you will never know just what unplanned for expense  may surprise you.

I am a member of the Wealthy Affiliate platform, this platform teaches you the update techniques of online marketing.

And while online marketing is not a get rich overnight business, in time it can be a very successful income earner, for not only an active income but passive earner as well.

Wealthy Affiliate

Wealthy Affiliate is legit, has an A+ rating with the BBB, and has been around or for more than fourteen years.

The membership which numbers more than 1.4 million are from over the world 193 countries,

You can become a member of Wealthy Affiliate for free, which does not expire.

Free Membership

With the free starter membership you have access to 10 lessons which is phase 1 on the Online Entrepreneur Course.

These lessons are very thorough, and they are taught in a step by step manner, you go at your own pace.

At the end of this phase your business will be up and running ready for business.

I have placed a video of one of the lessons from phase one of the Online Entrepreneur course, please have a look.

turn your passion into profit
How to turn your passion into a successful business

Wealthy Affiliate is a platform built for every online marketer, and it does not matter whether you are new to online marketing or a very experience online marketer.

And as I said previously the free membership does not have an expiration date.

And as a free member you will not be asked for any financial information, you will be asked only for your name and email address.

But I would like to recommend that you upgrade to the premium membership, With a premium membership there are more information and tools then becomes available to you.

Premium Membership.

This is a list of the information that is provided in both membership.

And because of all that is provided in the prim um membership the success rate is much higher.

And the price for the premium membership is very reasonable for all the information and tools provided.

For you to be successful in online marketing you need to attract an audience to your website.

At Wealthy Affiliate you are taught how to draw people to your site you are also given the access to unlimited keyword search from one of the best keyword search word tools (Jaaxy keyword search tools.)

From experience, I know the thought of writing a post that can be seen on the world wide web can be intimidating.

But with the training at Wealthy Affiliate you will become an expert in your niche and gain confidence in your writing your post.

There is no excuse I know I had a lot, my age( I am a retiree) no experience, no technical knowledge, the training is so good that in no time you will be able to overcome  these inadequacies.

You have nothing to lose for trying to start it is for free and you can remain a free member as long as you like and I would suggest you do all 10 lessons before you decide whether you will remain a member or not.

And should you decide affiliate (online) marketing is not for you, then you can quit, you would have lost nothing.


I am telling everyone whether you are a soon to be retiree, a stay at home mom or dad a person who is disabled or just need to make some extra cash, give Wealthy Affiliate a try,

I am in no way telling you will be an instant success, because like any other business it takes time and as a Pele is reported as saying   Success is no accident, it is hard work, perseverance, learning, studying, sacrifice.

Wealthy Affiliate boast a community of very helpful members and are not selfish in sharing their knowledge and are willing to assist you with any problem you may be having.

And because our member ship consist of people that are from all the time zones there is someone always available to assist you.

The tech. Support is available 24/7 and can be reached from your dashboard, and I must say they are very competent and take of your complaint promptly.

Throughout this post there are links that will take you directly to a sign up link for a free membership, and if you do sign up by clicking on any of the links I will be your coach.

So there is no need to think you will be alone, myself and the community will be there for you.

Thank you for reading this post please remember to share, and you can leave your comments and questions in the space provided in the space provided at the end of this post and I will reply ASAP


The Ugly Facts About Retirement–Take The Necessary Steps

Approach to take
The ugly facts about retirement

The Ugly Facts about retirement

Most boomers still have a long way to go to ensure a comfortable, financially secure retirement.

But, with consistency and dedication, retirement can be comfortable and financially secure.

We will take a look at some facts about retirement planning.

Employer matches require work

Workers sometimes think of employer matches as free money, but that is not quite the case.

There are some requirements that have to be met, you may be required to a minimum period of employment or contribution to your retirement account, before you become eligible for employer contributions.

Some employers require a year of service before providing any matching contributions.

Second, once you’re eligible for the employer match, you may have to contribute a minimum percentage from each paycheck yourself to get it.

Only 47 percent of surveyed employers provide immediate vesting of employer contributions.

The only money in your retirement account that is fully vested and  truly belongs to you is your part of the contribution, you may have to wait up to six years to get to keep the combined contribution of you and your employer. If for any reason you leave the job earlier than the stated terms to be fully vested you may not get some or all of those employer contributions.

What approach should you take

It is best to find out the applicable rules for employer contributions under your employer-sponsored retirement account.

Ask all the relevant questions like what is the waiting period for eligibility, how much you need to contribute to get the full employer match, and what is the applicable vesting period for employer contributions.

And you can also start a side hustle to earn extra cash so you will be able to save more.

Retirement age maybe higher than you think

A survey done by the Employment Benefit Research Institute (EBRI)

Said one in every two American workers expected to retire no later than age 65. But before that decision is taken it would be best to find out the pros and cons of doing so.

Retiring earlier than your full retirement age decreases your retirement benefit from the SSA

People born in the 1937 or earlier reach the full retirement age at 65, and for those born in the 1960 or later full retirement age would be 67.

And if you take your retirement benefits before reaching full retirement age your benefits could be decreased by 30 %

For those of us who are looking forward to having social security to be a source of income during our retirement age, it would be best if we are kept informed and keep track of our benefits.

You can visit the SSA website at

And if you do have a 401k retirement plan or any retirement plan at all it is best to leave it, do not borrow or withdraw any funds from it.

Remember the likelihood of you living 25-30 years in retirement is great and you would be living without a regular paycheck.

And because of this, It is suggested to go into retirement with little or no debt, I know that for some of us this is almost impossible,

There is the mortgage that some of us are still paying plus other debts which could be medical or children’s college fees.

I would like to suggest other streams of income to help to satisfy the need for extra income.

Online marketing is one of the many ways to earn money online, and in my opinion it is one of the best and most profitable.

It does take work, patience, and much effort but in the end, the reward is great.

Maybe you are like me, I had no idea what online marketing was, no computer skills apart from entering data, and retired and broke.

I found Wealthy Affiliate browsing the internet looking for a legit way to earn some money online.

I was a bit skeptical at first having been scammed a couple of times before, but Wealthy Affiliate was offering free membership with no expiration date, so I became a member.

I was so impressed with what I was offered that I became a premium member, no I have not made a fortune, but I am earning commissions and I know in time these commissions will increase.

Here is a great analysis of affiliate marketing and Wealthy Affiliate by one of our members

I saw a quote and I thought it represented affiliate marketing or online marketing well (they are the same) it said Entrepreneurship is living a few years of your life like most people won’t so you can live the rest of your life like most people can’t.

I would definitely suggest if you are nearing retirement age, this would be the time to start, so by the time you retire your business will be built and flourishing.

And remember at Wealthy Affiliate you can start for free, and with the free membership you will get the phase 1 of the best online marketing tutorial there is, phase 1 consist of 10 lessons and at the end of these 10 lessons you will have your own beautiful website ready for business.

Now as I said previously there is no expiration date associated with the free membership, but I would recommend updating your membership to premium especially if you have little or no experience in affiliate marketing.

The tools and information that comes with a premium membership is geared towards you reach your goals, Here is a list of the package of both.

The premium package also includes live training on Fridays,  and these  lessons are stored for easy access so you can revisit any time you wish, and I have left a sample video of one of the lessons.

keyword research
Understanding Keyword Research June 2018

For all the valuable information and tools provided the cost of the premium membership is very reasonable as you can see, and there are no upsells.

And with a free membership you will not be required to give any financial information just your name and email address.


Wealthy Affiliate is the real deal, this is no scam, there are many who have been successful here is a blog from one of them one of the

As I said previously success will not happen overnight, because like with any business you need time for you to gain your audience’s trust.

This trust comes with consistency, honesty, and patience, but you can rest assured it will come the hardest part of online marketing is patience.

Wealthy Affiliate has been around for over14 years and has established a reputation of being one of the better platforms for online marketing training, and has an A+. Rating by the BBB.

The Wealthy Affiliate platform is for all affiliate marketers, and it does not matter at what level you are, whether you are a supple affiliate or a newbie, you will find what you are looking for to succeed. And you become a member for free.


You have nothing to lose in joining for free after joining should you decide affiliate marketing is not your thing you can quit, you are not asked to make any commitment, no contract.

You can join from this post by clicking on any of the links within this post and I will be your personal coach, no cost attached. Looking forward to seeing you on the Wealthy Affiliate platform.

I do appreciate the time you took to read my post, please remember to share, and leave your questions and comments in the place provided in the space provided at the bottom of this post and I will reply ASAP.

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).


Legit Work From Home Job For The Disabled–Be The Boss, Start Your Business

Be the boss
legit work from home jobs for the disabled

Legit Work from home  jobs for the disabled

The Bureau of labor and Statistic did a survey a few years ago and found out that the unemployment rate among the  disabled was 5.5 % times higher than the rest of the working population.

Finding a job for people with disabilities is very hard, and finding a full-time job is even harder.

The bureau found that more people with disabilities were working part- time, than the rest of the workforce.

The cost of healthcare for people with disabilities especially physical disabilities exceeds what they could earn at a job.

Medicare and Medicaid do  provides good health care benifits for disabled people that most jobs will not provide. But the unfortunate possibility is you could loose your medicare and medicade bennefits  if you get employed.

Problems for the disable workers

There are some problems with a disabled person applying for a job. mobility issues, and the potential for prejudice,

Some jobs require driver’s licenses, but many job seekers with disabilities rely on public transport

Limited access to digital resourses.

In Some case access to digital resources is still limited for many people with disabilities, and it has been noted that  people with disabilities are less likely to use the internet on a daily basis.

And Those who do have reliable internet often find that some websites are inaccessible to people with disabilities.

Work place Discrimination

Over 30 % of people with disabilities who were interviewed  said they have experienced discrimination or bias while working at their current companies.

Those with visible disabilities were more likely to encounter discrimination. Not only do they experience outright bias, but they also face exclusion at work.

They are excluded  by underestimating their intelligence, insults (badmouthing, telling jokes at their expense, talking behind their backs); avoiding looking them in the eye or talking to them and discomfort (staring, seeming nervous).

If you are a disabled person and would like to be independent, without taking all the negetivity that goes with some companies there are certain legitimate jobs you can do from home,

Work from home jobs

With this new opportunity for work from home jobs, you can work from the comfort of your home, no hassel, no transportation needed, or trying to prove yourself to anyone, and no feeling of being left out

Here are some jobs you could thnk about trying, you could suppliment your income by earning some extra cash.

Freelance writer, This is an area you could try especially if you like writing, there are indiveduals looking for someone to produce content for their website, you could regestier with companies like Freelancer Fiver and Upwork, it may take some time before you start making money but with constitncy it will happen

Customer Service repersentive

As a customer service representative, you’ll help answer customers’ products and billing-related questions, take orders, resolve issues, or non-receipt of an item, supply technical support, and other services over the phone or via internet chat.

There are many companies that hires at-home customer serevice rep And if you’re bilingual, even more opportunities will be available to you. I know companies like Amazon, Sikes and you can go through agencies like Indeed, Zip recruiter and many others

Online Tutor

You could tutor kids of adults online if you haveat least on bachelors degree or you could teach english to non- english speaking children from different parts of the world, especially Japan

Affiliate Marketing

There are MANY different ways that you can earn money online and many different ways in which you can build an entire business. The most lucrative one is afiliate marketing

Affiliate Marketing is a way of making money online whereby you as a publisher are given a commission for helping a business by promoting their product, service or site.

There are a number of forms of these types of promotions but the most popular form used is affiliate marketing, affiliate marketing  involve you as a publisher earning a commission when someone follows a link on your blog to the merchant’s site where they then buy something.

There are other ways to earn a commission, you can earn money for referring a visitor who takes some kind of action – for example when they sign up for something and give an email address, where they complete a survey, where they leave a name and address etc.

There are companies that will pay $10-45 if you get people to leave an email address or complete a survey. Nothing has to be purchased


Commissions are usually a percentage of a sale for those merchants who are promoting goods, examples are  Amazon,Target,etc.

Here is a diagram of how Affiliate marketing works. Taken from Wealthy Affiliate online entrepeneur course.

There are some steps that has to be taken brfore you can start making money

phase 1 lesson 1
Lets get rolling Phase 1 Lesson 1

Success online is very simple at it’s core. There is a 4-step business building process that you are going to be learning here at Wealthy Affiliate. Here is a quick diagram breaking down the process.

Broken, down, the process looks like this:

Step 1: Choose an Interest. This can be anything at all, any interest, passion or even something you have no personal experience with.

Step 2: Build a Website. Your website is your foundation and we have the most sophisticated and feature rich website and hosting platform here at Wealthy Affiliate.

Step 3: Attract Visitors. You are going to be learning all about how to get traffic and visitors to your website. The first focus is FREE traffic and there is A LOT of it out there.

Step 4: Earn Revenue. Once you have people on your site and traffic, you can earn revenue. There are over 50 ways you can monetize traffic online, and over 550 MILLION products/services that you can promote as an affilaite

This may look daunting to you, but you will be shown how in step by step  videos at Wealthy Affiliate and you can become a member for free.


Wealthy Affiliate is one of the leading training platforms for affiliate marketing, and the good thing is the training is good for any online business.

If you want to sell your own goods, have your own online store, publish ebooks, have your own Youtube channel.

I am a member of Wealthy Affiliate I am retired and in my 70s The lessons are broken down and are easy to understand, and if you do not understand, there are many ways you can ask questions and receive answers 24/7

There is also Tech support that is available 24/7 and they can be contacted from your dashboard at no extra cost

There are platforms that charges at least $19 for every time you need Tech support and you have to dial a 800#

Wealthy Affiliate has been  around since 2005 and has a A+ ratings with the BBB we have over 1.4 million registered members and every country is repersented in our membership,

Our memership is from 193 countries I like to think of ourselves as a mini United Nations. Remember you can join our starter progran for free.

The starter program consists of phase 1 of the online Entreprenuer course. The entire course is 5 phases and each phase has 10 lessons.

With the free starter program the foundation is laid, you will learn just what is affiliate marketing you will be given instruction in finding your niche building you own WordPress website you are given 12 themes to chose from, 2 websites, Webhosting  and back up are free.

The Starter program has no expiration date and no financial information is needed, you will only provide your name and email address.

There is the Premium membership which is loaded with up to date information and tools greared for you to be a successful business owner.

With the premium membership you are given 50 websites (you can have different streams of income) and over 1000 themes to chose from, live video tutorials, unlimited access to keyword research ( a necessary tool for your business.)

Here is the premium billing

As you can see the price is broken down into manageable amounts I must mention that ahould you join as a free member and you upgrade to premium within 7 days you will get a discount on the first-month payment, you will get the first month for only $19

Some members join for free, and take advantage of the $19 first month offer to get a look at what the premium membership offers. And make the decision to stay or discontinue,

Now I am in no way saying thou are going to get rich overnight, Affiliate Marketing is like any other business it takes time to grow.

You have to gain the trust of your audience and this takes time, but with hard work consistency, determination and patience you will be successful. Here is a post written by one of our members on what is needed to be an online marketer


If you are disabled, retired, stay at home mom or dad or just tired of the rat race in having to beat the traffic getting to work and back home, the office politics and all the other things that get you down, give affiliate marketing a try.

You have nothing to lose you can try for free by clicking on any of the links in this post and I will be your personal coach.

You will find the Wealthy Affiliate commuity to be very helpful, you will never be alone, there is alwayse sombody to assist you.

And do not ever think you are too old,not a techinical person,I was one of those who thought like that, but not any more.

So give it a try you can’t lose if it is not for you then you can quit, you will have at least tried and if you complete the 10 lessons in phase 1 you will have your very own website.

I am hoping to meet you on the Wealthy Affiliate platform

Thank you for stopping by please remember to share this post and you can leave your questions or comment in the space provided at the end of this post

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).


Having Trouble Finding a Job? (Start Your Own Business, Let Me Show You How)

Having difficulty finding a job?

Are you a very qualified individual seeking employment, but it seems that all the employment doors are closed to you. There are several reasons why this is so

One of the problems could be jobs are few, but employment seekers are many. Finding a good job will be hard because there are so many others are seeking the same job you are seeking, so in this very competitive market, you have to be the best candidate for the job.

Technology Replacing Workers

With the ever-increasing advancement of high technology  the need for humans is less so fewer jobs are available to workers.

(Applications) Forms can be a deterrent

Another thing that is a deterrent for many job seekers is the online job search technology which in some cases are  ridiculous and frustrating.

A survey done by a recruiting agency found that applicants found the job applications were too long and in some cases ridiculous and were frustrated by retyping all the information from their resume and filling in the details of their high school education and salary history that they give up entirely.

Picky employers

(you can start your own business here free)

Then there is the employer who is very picky and wants a perfect employee who in this age can’t meet their expectations and in the real world do not exist.

Companies sometimes waste a lot of time looking for that mythical perfect employee, rejecting good candidates who are well qualified in the process.

There is also getting recruited for a job that seems great, but you realize the recruiter has no idea who you are, what you do, and what you want out of your career. It is as if your name was drawn from a hat like a lottery, and then they will try to convince you to take a job that is in no way what you are trained for or a career in which you wish to pursue.

Personality Test

Let’s not forget the personality test where they ask these lengthy quizzes which is the cause of more anxiety and confusion, you are not sure if answering true or false will cause to not be considered for the job.

Job Scams

And the job scammers be careful of them they are all over the internet offering the opportunity of making a lot of money in a short space of time.

And there are others who are not so easy to spot, they will offer you a good paying earning opportunity but you will have to pay for the information to obtain that opportunity.

Start Your Own Business

If you have been trying to get a job and you are just tired, confused and frustrated by the whole job-hunting process. Why not start your own business, for free?

You can start your own affiliate marketing business for free at Wealthy Affiliate.

Wealthy Affiliate

Wealthy Affiliate is an affiliate market training platform, This company was formed in 2005 and now boasts a membership of over 1.4 million and these members are from all over the globe 193 countries to be exact.

At Wealthy Affiliate, you will be shown how to turn your ideas into profit. If you have a hobby or something you are passionate about, something that gets you excited and motivated when you think about it, or even if you don’t have any ideas, Wealthy Affiliate will help you choose the direction of your business from over 1,000,000 different niches.

You can have your website up and ready in just 30 seconds, your website will be beautiful looking, mobile, and revenue ready, with state of the art, ultra-powerful and secure hosting which  will allow you to grow your business.

You do not need to be a website designer you are given a choice of 12 designs to choose from.

In order for you to be successful in affiliate marketing you need  to have an audience and at Wealthy Affiliate you are taught the strategies of how to attract visitors to your site.

Wealthy Affiliate is a company that is up to date and  teaches today’s online marketing strategies. Its vision is to genuinely help people achieve success in business and in life, it is a company that is dedicated to helping others become great and achieve true financial independence.

And remember you can become a member for free and a free member has no expiry date and with this free membership you get ten lessons or phase 1 of wealthy affiliate’s online entrepreneur course and at the end of these 10 lessons you will have a very beautiful functional website.

Have a look at one of our training videos.

getting your site ready for search engines
Getting yore site ready for search engines

There are two-tier membership the free and the premium, the premium membership has more information and tools, which will better enable you to succeed in the online business.

There is a price tag associated with the premium membership but in my opinion the price asked is very reasonable for the amount of quality information and tools that is being offered.

As you can see the prices for a premium membership is very reasonable priced there are many platforms that are asking much more for their training and in some cases you will have to pay more to  get advance training.

You are given step by step instruction by videos with  the premium membership there are 5 phases which consist of 50 lessons and you  also get the affiliate boot camp tutorials which is 7 phase or 70 lessons

With the premium membership you will get 50 websites along with choices of over 1000 themes. Here is a list of what is offered in each membership.

With the premium membership you are also given a live video class once per week, here is a replay of one of the live videos please have a look.

With all  the fantastic training at Wealthy Affiliate there is something that you must become aware off, and that is affiliate marketing is not a get rich type of business.

I do not believe there is any legitimate business that offers any opportunity to become wealthy overnight. Scams are usually the ones that is making those claims.

With affiliate marketing you have to work be disciplined determined and above all be patient. Here is a blog written by one of the members of Wealthy Affiliate


Having gone through the process of seeking employment myself and experience all the rigors of applying for a job, I have experienced the long application questionnaire and in some cases, the unreasonable questions asked.

So if you are at that point of frustration being at your wits end why not give Wealthy Affiliate a try it’s free, you can do the 10 lessons build your website, and take it from there,

I you think you would like to look further and see what the premium has to offer you can do that for $49 and if you become a premium member before 7 days after becoming a free member the cost for the first month is only $19

You will not be asked to sign any contract or make any commitment for either membership and with the free membership you will not be asked for any financial information.

You have nothing to lose and you know unless you try, I am a retiree and I thought I might be too old to try Affiliate marketing as I knew nothing about this area of business and I have no technical skills but I tried, and I am making a go of it and if I can do it so can you

And you can join by clicking on any of the links in this post, will contact you and i will be your personal coach, and we also have a community of very helpful members who are very able and willing to assist you. I

Thank you for taking the time to read this post remember to share, and leave your questions and comments is the space provided at the end of this post and I will reply.

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).

Can you Survive off Minimum Wage? (No, Let Me Show You How)


Start Your Own Business
Can You Survive off minimum wage

Can you Survive off minimum Wage

According to the dictionary, the minimum wage is the lowest wage permitted by law or by a special agreement (such as one with a labor union).

The minimum wage was first introduced in USA in 1938 whit the passing of the (FLSA) Fair Labor Standard at the mime of its passing minimum wage was set at $0.25 per hour, today 81 years after it’s passing the minimum wage stands at $7.25 per hour.

There was a time when most of the minimum workers were teenagers working for some pocket money but today, unfortunately, that is no longer so.

Only one in five workers today  earning a minimum wage is a teenager, it has been documented that most of these minimum wage earners are unskilled workers,

Minimum Wage does not provide a living wage

These workers scramble to get enough hours by working several jobs to keep up with basic household bills, some  surviving only with help from family or government subsidies

The minimum wage clearly  does not provide a living wage for most American families. A typical family of four (two working adults, two children) needs to work nearly two full-time minimum wage jobs to earn a living wage.which is considered to be at least $22,000 per year.

A single parent with two children needs to work the equivalent of three and one half full-time jobs to earn the living wage on a minimum wage income.

There is now a debate to raise the minimum wage to $15.00 dollars per hour but the fear is that many of the small businesses will either have to cut staff or close their business altogether.

The other fear is automation, In the country of Japan, Majorities of Japanese say growing reliance on robots and computers will lead to joblessness and income inequality. Taken from an article in Entrepreneur magazine.

At $7.25 per week and working for 41 hours a week is just a little under $16,000.00 per year, but it does not matter how much we are making we should make an effort to save something for your later years.

I know it may seem ridiculous to think about saving with making less than $16,000 per year, but it will take will power and a lot of denying ourselves certain things but it can be done.

We just to budget to the bare essentials,  You don need Starbucks coffee you can make your own and carry it in your non spill cup you can cut cable subscription, I know some people tell themselves they can’t live without cable, but believe me, you can,

I had to live without cable and a lot more, financially it had gotten so bad our house was going into foreclosure, and we cut everything that we could cut, now that things are  better financially, I have not returned to the things I had to cut, so I have no cable, I found I could live without it and survived.

Stay away from high-interest debt, like credit cards, keep your credit card usage to a minimum or preferably not at all.

Increase Your Income

Increase your income, by looking for ways to earn extra money, there are several things that you can do to earn a little extra.

You can earn extra by hiring out your service, for cleaning houses, of fixing things or if you have a special skill.

What I did, I started my own online business doing affiliate marketing,  Affiliate Marketing is the process of earning a commission by promoting other people’s (or company’s) products.

There are companies or platforms that will teach you how it works and in the case of the company I am a part of you can become a member for free.

And with a free membership there is no expiration date, the company I am a part of is Wealthy Affiliate.

Affiliate Marketing

Wealthy Affiliate was formed in 2005 and is now one of the best platform for wealthy affiliate training.

The great thing about this platform, it is not just for beginners, but it is for every affiliate marketer, it is for those who are new to affiliate marketing ,those who are acquainted with affiliate marketing and those who are established professionals in affiliate marketing.

The company has an A+ rating with the BBB, and has members 193 different countries, with  free membership from Wealthy Affiliate you get 2 websites, 10 websites themes to chose from and less than 30 seconds you will have a beautiful website,

I must add that web hosting is also included in the free membership. Along with backup and 10 lessons or phase 1 of the online entrepreneur course. There are training websites that charge $50 per month for web hosting

this is a scree shot of the 10 lessons in phase 1 of the online entrepreneur class

topic of the 10 lessons taught in phase 1
topics of the 10 lessons taught in phase 1 online entrepreneur class.

You will not be asked for any financial information either, you will only  be asked for your name and email address and you will be asked to state what your goals are, what you would like to earn per month.

At the end of the free membership 10 lessons you will have your website up and running contents written and posted, Google will have your website listed.

Here is one of the training videos from phase 1 of the free membership course.

How will you earn money
Lesson2 of Phase 1

There is also the premium membership,  with the premium there is a lot more information and tools that are available,

Here is the list of what is available in each membership

Now you can see the vast amount of information that is available and this will increase your success rate.

There are live video classes once per week this is just extra training to keep you up to date on the changes that may be taking place in  Google and any new update in the online marketing world.


Living on the minimum wage is not easy, but you do not have to continue in that state you can do something about it,

I have suggested online marketing because I am doing it, and it is not as stressful as another area of work might be.

For one, it can be done anywhere all you need is internet connection and a computer, there is no going to another destination you can do it at your home.

With online marketing the start up is very low and in this case you can start for free and if it is not something you would like you can stop you will be loosing nothing.

I must admit Affiliate marketing is not a get rich venture it takes time, I think the hardest part of affiliate marketing is the need for patience.

With affiliate marketing there is the need to build trust and it does take time to build trust. At Wealthy Affiliate you will be taught not only how to draw an audience to your website but how to build trust.

In my opinion there is no better place to learn affiliate marketing than Wealthy Affiliate. Please do not think you are new and have no experience, or too old. Not a technical person, or you have no one to assist you.

The training videos go through the lessons’ step by step you learn at your own pace, the videos are always there you can revisit them at any time you wish.

Here is a blog from one of our members who joined in 2010 and is still with us.

There is someone always around to assist you, we pride ourselves in the fact we have a community who is willing to assist you and because our memberships is from different time zone there is someone always there to assist.

Should you wish to become a member or Wealthy Affiliate you can do so by clicking on any of the link in this post and I will be your personal coach. Hoping to see you on the platform, give it a try you have nothing to lose.

Thanks for reading this blog please remember to share and should you have a question or comment please leave it in the space provided at the end of this post and I will reply ASAP

NOTE:  This post includes affiliate links, which, if clicked on and a product purchased, I get a small commission (with no increase in cost to you).