Monthly Archives: May 2019

Facts On The Retirement Crisis—-Beat the Crisis, Start Your Own Business

Beat the crisis, start your own business.
Facts on the retirement crisis

Facts on the Retirement Crisis

According to a survey done by Bankrate survey team in Early February to March, it states that one in five American adults have nothing saved for retirement or emergencies.

A further 20 percent have saved away only 5 percent or less of their annual income to meet certain financial goals. Less than a third of all Americans have saved at least 11 percent or more.

The survey also stated that this generation of boomers is in worst financial shape than the previous generations.

And even with all the good economic news  and unemployment is now at 50 years low, and wage gains were at an all-time high, there was not a lot of savings taking place

The answer given when asked was they had too many expenses so there was nothing left for saving and some said the had not thought of saving.

And some said the job they had was not paying enough to meet their needs and there was nothing left to save.

In a case like this (job not paying enough) I would recommend getting an extra job or working for yourself you can start your own online business for free HERE.

The fact is debt affect us all and it does hinder us from retiring on time some of us have to keep on working long after reaching the retirement age in order to be able to live a reasonable life.

Boomers are still paying student loans

I found this part of the survey shocking that people in their 50’s and 60’s are still having to pay student loan debt.

Those over 50 owed more than $260 billion last year, up dramatically from $46 billion in 2006.

A number of people over the age of 50 in the survey said they worry they haven’t adequately prepared for retirement, and yet are at a loss as to where to start.

Build your Own Business

If you are one of those people looking for a way out of this crisis let me assure you there is hope.

You can work past your retirement age or you can start your own business there is so much opportunity that awaits us on the world wide web, So why not look into it.

I myself am a retiree and am a part of an online marketing platform Wealthy Affiliate, it is a well-known company and has been around for fourteen years, has an A+ rating with the BBB and its members are drawn from almost every country if not every country 193 to be exact. And you can become a member for free HERE

If you are like me with no previous experience with online marketing or any technical knowledge about programs or any of the operations except entering data you are probably dismissing this option. Please don’t.

Wealthy Affiliate

Wealthy Affiliate is a company that is always updating their platform and is current in today’s online marketing strategies, and is to genuinely help people achieve success in business and in life.they are dedicated to helping others become great and achieve true financial independence.

Whether you are brand new to the online marketing industry or have been working in the online space for a while Wealthy Affiliate is for you.

Free Membership

You can become your own boss with just a click to start your own business for free, with a free membership you are given 2 websites phase 1 which consist of 10 lessons of our online entrepreneur course(Click and have a look)

At the end of these ten lessons, you will have your website up and have started a business. By following the instructions your website will be up in 30 seconds powered by the world-renowned WordPress.

You will get themes to choose from, so your site will be to your liking with everything operational, just follow the instructions.

And if for any reason you need some assistance the community at Wealthy Affiliate is one that prides itself on being a community of assisting each other and because we have members from every time zone there is always someone to assist you.

Regarding technical problems our tech support personnel is on call 24/7, they are very professional and courteous.

I must tell you of our premium membership, and I would strongly suggest you make the upgrade if you are really serious about building a successful business.

You may be wondering if you could build and maintain a business on the free membership, I have heard of a some doing so, but as someone who has no experience in online marketing strategies and the day to day workings of online marketing I would recommend an upgrade.

When joining Wealthy Affiliate as a free member the only information needed is your name and your email address that’s all

And as a company, we are against spam so your email will not be bombarded with a countless barrage of unnecessary emails.

So take charge of your future now, you have nothing to lose but your financial freedom to gain Be your own boss Start your very own business here for free.

Premium Pricing

I have left you a chart of our premium billing, it is broken down to make payment easier

I must let you know that a free membership has no expiration date, so you can take your time, go through the 10 lessons at your own pace see if it is something you can do, or would like to try, if it is not you would have lost nothing, I think you would have gained as you will now have the experience of building your own website

I must tell you that online marketing is not a get a lot of money in a short space of time business, it requires effort, hard work, determination and above all patience.

I saw a quote in a blog and I liked it so much I have adopted it as mine it said entrepreneurship is living a few years of your life as most people won’t so you can spend the rest of your life like most people can’t that, in a nutshell, is affiliate marketing.   

The more you put in is the greater your success it takes time to build your audience it takes time to gain trust but in the end, it will be worth it.

In Conclusion

You can avoid any financial crisis that may be on the horizon by starting your own business now or even if you are in a crisis now you can earn your way out of it by being an entrepreneur the thing about online marketing is you can offer anything online.

With a website, you can have several streams on the income you can have different business and with a premium membership at Wealthy Affiliate, you will get 50 websites.

You can offer your service in any capacity whether it is tutoring or handy person, you can produce stuff and sell it online and I am sure you can think of many more things you can do.

I never thought in my wildest dreams I would ever have a website blogging I never thought I would be able to do anything on a computer but type 39 WPM.


So I do suggest you give it a try, you will never know unless you try, I will be waiting to meet you on the platform if you join by clicking any of the links in this post.

Thank you for reading this blog post please like and share and you can place your questions and comments 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).

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Coping With Financial Stress—— Overcome Financial Stress And Improve Finances

Coping With Financial Stress
Coping with Financial stress

coping with financial stress

Financial realities among most.

In today’s world, the financial situation or should I sal the lack of finances are causing a large percent of the population a lot of  financial stress, people are preoccupied with the thought of how to cope with the financial situation in order make ends meet

According to market watch and published by MSN money a study done by the NORC at the University of Chicago, an independent social research institution, found that 51% of working adults in the United States would need to access savings to cover necessities if they missed more than one paycheck.

They found that Certain communities were more prone to economic hardship and missing a paycheck would be devastating to them as they would be unable to cover basic living expenses after missing more than one paycheck, this situation is mostly found in households where the annual income was $30.000 annually or less.

It was also suggested that many of these persons of these households would be rendered homeless in the event of missing a paycheck.

Stressed about finances

We know the effects of financial stress on our lives, we can agree that it affects you in some way,

financial stress can affect you both physically and mentally are you constantly consumed with how much money you have (or don’t) and how you’re going to keep a roof over your head, get to work, and possibly feed your family.

This type of thinking could certainly develop one of several stress-related health conditions.which could lead to serious, sometimes life-threatening illnesses.

Prepared for a financial crisis

What is the financial crisis? According to the business dictionary, a financial crisis is  A situation in which the supply of money is outpaced by the demand for money. In other words, some unforeseen financial expense occurs and all the money available is eaten up by that unexpected event.

This unexpected event could be anything it could be The loss of, a job or overtime reduction, medical bills. or any unforeseen event.

It doesn’t matter how careful we are with our finances an unexpected expense could be all it takes to send you into financial duress, especially if you’re not prepared to cope with it.

Strategies you can take

In times of financial crisis, there are certain fixes you can take for instance you can create a budget

Create a budget

You may feel overwhelmed with the lack of funds to think that creating a budget, you will probably it is only going to add to your financial stress, but it is the best tool you have to get control of your finances and stop worrying about money.

A budget allows you to decide when and how you are going to spend the money you have, This spending plan makes sure you cover your immediate expenses, while still working towards overcoming you unforeseen expense (cause of the crisis)

Borrow from someone

This is another option you could use, you could borrow from a family member or a good friend or as a last resort if you are qualified you could get a loan from an institution.,

I personally do not like this option because you will have to pay interest on the money you borrow and sometimes if we are not careful we find ourselves in the worst situation so borrowing from an institution should only be done as a last resort.

Of course, we should also do our very best never to get ourselves in this situation ever again in order for us to accomplish this we need to change our lifestyle.

Change your lifestyle

Changing one’s lifestyle can be hard at first, but it is a necessary step we have to take to make our lives less stressful.

  1. Create a budget and stick to it,  the first few months of planning and sticking to it are the most challenging part, but once you understand and see the improvements in your money management and the more you do it the less time it will take you to do, you will be able to  reduce the amount of time you spend on it, and the stress level will also be reduced.
  1. Your budget will give you the feeling of control that you need to have over your finances. Start with just one months’ worth of expenses and then go from there, tracking spending and cutting back in different areas each month until you find the perfect balance.

The next thing you need to do is to create an emergency fund, this is really necessary, in this way there will be some extra cash in case of a crisis.

Create an emergency fund

Creating an emergency fund may not be easy at first, especially if you are struggling to make ends meet each month. Start by putting a small amount, in the bank from each paycheck, and any leftover money you have in your other spending categories at the end of the month so that you can build up your emergency fund.

You may also consider selling any unused items around the house, or get a side job or you can start your own business.

You can start your very own online business for free, this way you can work from home, With an online business there is the potential of not only extra cash but in time this business can increase your income level that you can quit your day job

There is also the possibility that your business will become a passive income earner, I am suggesting the business of online marketing.

Online marketing is by far one of the better ways to earn an income online, one of the cons to online marketing is it does not generate an income overnight, it takes time.

I am an online marketer and the platform I am a part of is Wealthy Affiliate, this platform is one that provides everything you will need to build, grow and maintain a successful business.

Wealthy Affiliate

Wealthy Affiliate has been around for quite a while, over thirteen years the company has an A+ rating with the BBB and we have members from almost every part of the globe.

At Wealthy Affiliate, you will be given step by step instructions in everything that is needed to create your very own business and you can become a member for free.

With a free membership, you will go through phase 1 a 12 lesson series of the online entrepreneur course and after these lessons, your beautiful website will be up and running and ready for business.

There is also the premium membership which will take you further in the knowledge and skills of affiliate marketing.

I think it would be wise to upgrade to a premium membership because of the amount of information and tools that are available with the premium membership. which I think increases your success rate.

Please remember the free membership has no expiration date, so you can take as long as necessary to complete phase 1 of the entrepreneur class, go at your own pace, have a look around and meet members of our awesome community.

Here is a break down of the premium billing, as you see it is made easier for you to choose which billing cycle would be more convenient for you.


Just in case you are thinking it is too hard or you are too old or you are not familiar with the computer technology stuff, please forget that.

The training videos are expertly done and if you are still not understanding, just ask, there is always someone to assist you.

And you can join for free there is no contract, no information is asked for but your name and email address, so you have absolutely nothing to lose.

Final thoughts

I know almost everyone is having some kind of financial problems, and in most cases, we need more money to enable us to live more comfortable, take a vacation, buy a car, pay off a debt or save for retirement.

I have tried to share the benefits of starting your own online business, success will not come overnight because with the online business you have to build an audience and establish that you are trustworthy and this takes time, how much time? For everyone it’s different,

To be successful you need to be patient, consistent, determined and work hard, success is no impossible it is very doable and you can do it if I can so can you.

Here is a link to just 1 of our successful members.

Should you decide to become a member just click on any of the links in this post and I will be in touch with you, I will be there for you, to help you along.

Hoping to see you on the Wealthy Affiliate platform

Thank you for stopping by I do hope you found this article helpful to you in some way please remember to like and share, and should you have a comment or a question please leave it in the space provided 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).

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Can you make good money with affiliate marketing? —Without A doubt you can.

success in affiliate marketing
Can you make good money with affiliate marketing?

Can you make good money with affiliate marketing?

The answer to the question is a definite yes, you can. Affiliate marketing is considered to be one of the world’s fastest growing and best internet marketing techniques to earn money online.

  • It is very Cost effective there is little or no cost to start and maintain an online marketing business,

There is no cost in producing a product and the products you will be recommending is ready and waiting to be sold by the merchant.

There is no need for a warehouse to store the goods, you do not need to employ anyone to pack and ship goods.

You do not need to deal directly with customers, there is no hassle of handling dissatisfied customers or returns. It is Hassle free

With online marketing your marketplace is worldwide, you have the opportunity to reach people around the globe with little or no effort.

You can join affiliate programs for free where you can start your business, at Wealthy Affiliate you can not only start your business you are also given the tools and information to have your business up and running, and you can remain on the free program. But I would definitely recommend an upgrade.

Affiliate marketing can allow you to create a passive income, unlike a regular job which would pay you as long as you are able to work.

A Passive income would allow you to continue earning after all your hard work is done, you can be still earning with minimal input.

The best part is you will be able to work from or anywhere you want all you will need is a computer/laptop and wifi, there is no stress of battling traffic and schedules and dealing with certain situations we would rather not be involved with.

Becoming a Successful Affiliate Marketer

There are a lot of benefits in affiliate marketing, but it is not a get rich overnight deal, affiliate marketing is a great way to earn an income but it is by no means a cake walk, it is going to take effort, commitment and hard work, in the beginning, it will be like working without being  paid.

It is in these times that you will need patience, and a strong determination to stick with it and you will reap the benefits of all your effort and hard work.

Choose only a few affiliates (merchants)

There are some affiliate marketers who believe in promoting a lot of affiliate programs but trying to promote a lot of programs can become very overwhelming and you won’t be able to promote any product properly.

in order to be successful, you only need a handful of good products to promote.understand the market needs and look for products that align correctly with the topic of your site.

Wealthy Affiliate has just launched a new affiliate program platform where you can find all the better affiliates with all the information you may need to know before you decide to join their program online survey and easily get input from your visitors.

New affiliate platform
New affiliate platform

2 Use Different Methods to Promote  Products and site

There are different sources to drive traffic to your website, and the more traffic visiting your site is the better chance of having the product you are advertising get sold.

This is a crucial topic that is taught at Wealthy Affiliate you are not only taught the importance of advertising but also the different source that can be used.

Wealthy Affiliate

Wealthy Affiliate is a platform where there are constant updates being made to the method and technology are always current, it is a place where you are given the very best in tools and information to build your business.

The lessons are given in a manner that will enable you to understand the concept of what is being taught.

You are given step by step instruction along with the written and visual direction of how a particular task is done and along with that there is also the avenue of getting help via our community whose code is to  help each other, and as there are members from around the globe so  there is always someone online to assist you.

And our site support or technical support staff is available 24/7 and there just awesome always ready to assist and very efficient in what they do.

Wealthy Affiliate has been around for a long time so it is not a new company that will fold in no time, the company also has an A+ rating with the BBB and the internet is filled with good reviews of the excellence of Wealthy Affiliate.

As I have stated previously you can become a member for free with the free membership you will be able to build your website and have it up and running and ready for the business you will have written some contents have your affiliates links to our site and your traffic source mapped out. CLICK HERE FOR FREE MEMBERSHIP)

But I would strongly recommend you upgrade to premium membership, especially if you are new to affiliate marketing,  a free membership gives you phase 1 which is equal to 10 lessons of our  Online Entrepreneur Certification (OEC) course,the entire course is a 5 phase (50 lessons) series of courses walking you through the process of creating and growing a business within absolutely ANY niche that you want.

With a premium membership, your chances of success are 400% times greater in affiliate marketing than without.

And the cost for a premium membership is quite reasonable as you can see, here is the premium pricing.   

So I suggest you do as I did, join for free and do the lessons, you can do all 10 and if you think it is for you then you can go premium if you are still not sure you can try premium on a monthly basis or 6-month basis there is no pressure.

Upon joining for free you will not be asked for a credit card # or any other financial information there is no penalty for quitting.


My final thoughts If your thinking of getting into affiliate marketing because you want some quick money then you need to know that you will not be making a lot of money overnight success takes  time,  it is hard work,perseverance,learning, studying, sacrifice and most of all a love for what you are doing.

Be careful there are a lot of companies offering affiliate marketing course I have heard of people paying huge sums of money to learn affiliate marketing only to lose their money or the company has folded.

Wealthy Affiliate is a company that is known around the world and has a reputation of being honest in the running of the company, giving you your money’s worth. Wealthy Affiliate delivers.

So give it a try it is costing you nothing to try, you will be  gaining, after the 10 free lessons you will have a website and you would have gained some knowledge in affiliate marketing, I will be there to help you along just by clicking on a link in this post you can join for free and I will be there for you            

Thank you so much for reading this post I really do appreciate it please remember to like and share, and if you would like to leave a question you can do so in the space provided at the and of this post and 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).

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How To Turn Your Passion Into A Successful Business —- Just Do It. ( Start your business for free)

How To Turn Your Passion into a successful business

To start any business is not easy, your success will not come overnight, it’s going to take a lot of extra effort, disappointments, and maybe thoughts of giving up. But as the saying goes Rome was not built in a day.

And because of this, it is very important to have a passion for the business you are building

If you have a passion for something – you’re going to be committed. And if you’re committed, you want to do everything surrounding that passion to make it great.

And with this commitment, you will be able to turn your passion into a successful business.

Your focus should be an area that is ideally an interest, a passion, a hobby, but it could also be something that you would like to learn about. You don’t need to BE an expert, you will BECOME an expert.

In today’s article, I would like to take you through four simple steps (that I have also used) to turn your passion into an income.

Step 1 – Use your  skills and abilities to earn additional income

Choose a job you love, and you will never have to work a day in your life. This quote is credited to ” -Confucius.

Some people may advise that it is better to choose a career or business idea based on the financial rewards rather than the love for it, but  doing something for money only, after a while, will become monotonous and there will be no joy in working

Following your passion has been proven to make you happier, I think by integrating your passion with business provides the motivation that will sustain you through the ups and downs that accompany any entrepreneurial endeavors.

Step 2 – gain valuable insights by speaking to like-minded persons

  • By speaking with people, close friends and family, or even your neighbor, who has started a similar kind of business you are considering, you can gain valuable  insights – pitfalls, what to look out for, the do’s and dont’s – and this will give you a jump start that will put you ahead of the game. It is critical to have someone to help you stay focus when the downside comes. When there are persons opposing you and always giving you negative feedback, you will become unmotivated and depressed and that will, more than likely, make you give up on your dream.

Step 3 – do your research

  • Now that you have overcome your fear and are more energized to putting your passion into action, do your research.  Have a brainstorming session where you jot down questions for which you need answers.  For example,
    • With your skills or talents, what can are the needs and demands?
    • how can I break into the market?
    • what will be my niche market?
    • if I don’t have enough capital to start, is there an alternative?
  • And at Wealthy Affiliate, you will  be guided through all these questions and you can start your business for Free

Step 4 – Ready! Set! Go!

Jump in. After doing your research it is now time to start. Look around your – family, friends, community, school, church, charities, just to name a few – a wealth of “ready” marketing mediums that you can use to advertise your service or help.  Use these mediums as marketing tools to sell your product or service. This will go along way in getting your name out there and, if they are satisfied, you will find that you will be recommended for other jobs.

This is a true story: I have a friend who is an engineer and she will often design plans for remodeling homes for retirees and close family friends.  She did not ask for payment. By going to the printery to get the blueprints done, as well as offering a very satisfactory service, she found that after a while (and not long after) she was recommended for other jobs so much so, that today, she has her own business.

Surround yourself with like-minded people

This is very important because if the people you surround yourself with are like-minded, you will always have someone to help you stay focus when the downside comes, but when there are people opposing you and always giving you negative feedback you will become unmotivated and depressed that you will be more likely to give up on your dream.

My Story

My passion is helping people, I worked for years caring for the aged and during those years I saw many did know that doing little things  like stretching can help to keep them active and independent so I started a blog about health for boomers

I also noticed that most of these people did not have any retirement savings and so I started a make money online blog which I think can help them to make a decent income from home

What is your passion? Do you have a skill that you would like to share? You can do so by starting a blog and you can earn money from this blog (CLICK HERE TO LEARN MORE)

NICHES. The scariest word for most people when starting out. However, the idea of a niche should not scare you. Instead, it should be exciting.

What is a Niche?

A niche is a distinct segment of a market, in other words, an “audience”.

When choosing a niche that fits you, you should be choosing something that is ideally an interest, a passion, a hobby, but it could be something that you would like to learn about. You don’t need to BE an expert, you become an expert.

I am part of the very best platform for learning affiliate marketing which is just a form of recommending something to a friend and getting a commission if they purchase it

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

Wealthy Affiliate  

The platform I am talking about is Wealthy Affiliate and the great thing is you can become a member for free and you can remain with that free membership as long as you like.

The free membership includes 2 free websites and beautiful themes for those websites so there is no need for a web designer the platform also has free backup of your sites and phase 1 of our highly rated Online Entrepreneur  Certification Course consist of 12 lessons and at the end of these 12 lessons  you will build your website (which takes 30 seconds to build ) and it  will be up and running and ready for business

But I would suggest you upgrade to the premium membership if you are really serious in building and maintaining your business there is so much more in both tools and information that becomes available with the premium membership program.

And last but by no means least our Wealthy Affiliate community one of the things that are recommended in turning your passion into a successful business is to surround yourself with people who share the same vision, well if you are in affiliate marketing, or just blogging this is the community you would want to be a part of

The people who make up this community is noted for their unselfishness and are ever ready to assist you when you need help with your  website or need a question answered,

If you would like to start an online business and need some  guidance click here and join the best online teaching platform

Final Thoughts

Sometimes the thought of starting your own business is very scary because it is like jumping on an emotional rollercoaster with the highs and lows all the while, wondering if your effort will be successful.

. It’s very easy to start a business but the hard part is growing and sustain it, When we  face challenges and fall on hard times (and it always does), it’s our love, passion, and commitment that ultimately get the business through these times

If you don’t have a true passion for your business, everyone can sense it by your effort and commitment that you display towards your business.

So if you are thinking of starting an online business and you are not sure just how to go about it why not try Wealthy Affiliate for free.

Maybe you are a retiree like myself  and have a skill or a passion that you can share and earn an extra income or maybe you are a stay at home mom and have some super ideas of child care or some very good recipes, you can become a part of Wealthy Affiliate for free

There is no commitment to Wealthy Affiliate any commitment you make is to yourself, you will not be asked for any financial records, or credit card you will only be asked for your name and email address, so why not give us a try? you have nothing to lose

Thank you so much for reading my post should you have a question or comment please leave in the space provided and I will reply also remember to like and share.

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).

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Why start an affiliate marketing business? —-Best way to make money online.

why start an affiliate marketing business?

Are you tired of the daily grind of going to a job that holds no satisfaction for you and you? Can hardly make ends meet? would you like to have your own business, be your own boss, no more traveling through the traffic for a regular job, you can have the freedom to set your own schedule? This is a good reason to look into starting an affiliate marketing business

With an affiliate marketing business, there is no overhead expense like a brick and mortar business, there is no inventory to keep, no interaction with  grumpy customers or co-workers, no returns, and no shipping and the good news is you can start your online marketing business for free HERE

There are some myths going around about affiliate marketing so let me debunk them right now

#1 Affiliate Marketing is Dead

Affiliate Marketing is a growing industry and it is said will grow to a near 7 billion dollar industry by the year 2020

More money is coming into affiliate marketing now more than ever. More brick and mortar stores are closing like JCPenney, Sears, Nordstrom Victoria Secrets, Payless, and the list goes on.

But the secret is most of these stores are still active online the brick and mortar store may be  closed but the virtual stores are open 24/7

#2 The cost is high to start an affiliate marketing business

Actually, there are quite a few platforms that offer free startup but the platform that I use Wealthy Affiliate is the only one that I am aware of the free membership never ends.

With the free membership, you get 2 websites and themes to choose from phase 1 on the online entrepreneur course which consist of 12 lessons and at the end of these 12 lessons you will have a beautiful website ready for business and in most cases, you will already start your business.

list of 12 lessons in phase 1 on online entrepeneur program
Phase 1 of the Online entrepreneur program

#3 You will need to have a degree in marketing

Not true you do not need a degree of any kind to do affiliate marketing but what you will need is a burning desire to succeed, determination, patience, and effort.

Affiliate marketing is nothing like an MLM  Company, there is no need to pressure anybody to come to you, it is just the other way around, in time they will seek you and this is what takes time, you will have to gain your audience trust by being consistent and honest.

#4 You can make a lot of money quickly

No, it takes time and work and in time you will be able to make a good income from your efforts, in affiliate marketing, there are some people who are making 4-5 figures monthly income now on my platform Wealthy Affiliate.

So anyone can start an affiliate marketing business, if you are a stay at home mom and need to supplement your income, a retiree whose retirement income is just not enough to live a comfortable life in your seniors years.

if you are someone living from paycheck to paycheck and not able to make ends meet, these are some good reasons to start an affiliate marketing business. (JOIN HERE FOR FREE)

Affiliate marketing is not too saturated or dying. Affiliate Marketing is a growing industry and it is said will grow near to a 7 billion dollar industry by the year 2020, more money is coming into affiliate marketing now more than ever. So affiliate marketing is not dying or dead,  Now is the time to start your online business.

More companies are now starting affiliate marketing programs

There are more new companies and others that are starting affiliate programs and because of this, there is a need for more affiliate marketers to advertise their business.

As the digital market expands, these companies understand that it is more important to have a digital presence if they want to be successful, and they also understand that catering to the  customers who are more inclined to shop online is the best source of return customers and new customers as word spread to the ease of shopping at a particular shop, can I say Amazon..

Many new  ideas for a website

Affiliate Marketing is going on everywhere. There are blogs promoting everything you can think of from doing it yourself fixes, to pelvic floor therapy

Many people are out there promoting their hobbies like photography, and gardening and advertising the equipment that goes along with these hobbies.

. Affiliate marketing is business for those who want both time freedom as well as financial freedom. They understand the opportunity to work on your own schedule is less stressful as your work at your own pace and time.

But it is important that you keep in mind that you do have to work to be successful and the distraction that often comes with working from home has to be fought with determination and remember that in order to succeed you need to be disciplined and consistent.

Also, keep in mind that all the work that you put into your online business now will not only allow you to earn a livable income but in time can become a passive source on income, Your website will be working for you 24/7 with a little input from you.

The time to start an affiliate marketing business now, do not make the same mistake I did by thinking I am too old to start something I knew nothing about or I have no technical knowledge of anything or I am not a blogger, I can’t write.

These are just delays that will set you back on your journey to building a successful business, I am a retiree and am doing just fine at wealthy affiliate.

At Wealthy Affiliate the lessons are given step by step via live video you learn at  your own pace you are not rushed and the lessons are always there if you need to refresh your memory

creating content
Creating keyword rich content lesson3 phase1

Wealthy Affiliate is a platform that has been around for 14 years and has a reputation of excellence which is  known throughout the affiliate marketing world

At wealthy affiliate, there are 2 tiers the free membership which never expires and the premium membership.

The premium membership would be a better choice if you are really serious about building a successful business because the information and tools offered with a premium membership are geared towards growing and maintaining your business.

When I first joined Wealth Affiliate is was as a free member and after I built my website and saw the quality of the of what is offered I upgraded to premium.

Final thoughts

I hope I have answered the question why to start an affiliate marketing business, and have shown you the potential for earning not just an active income that is sustainable and in most cases, you can not only give up your day job but also it can become  a source of a passive income

And affiliate marketing is alive and well and in fact growing and there is no indication of it slowing down as we move further into a society where everything is being done through the internet

Even if you do not want a career in affiliate marketing, but you want to have your own business you are still going to need a website and with Wealthy Affiliate, you can have one built in 30 seconds

So why not give us a try it’s FREE you have nothing to lose and you can join for free  by clicking on any link in this post I will be your mentor along with our awesome helpful community

Thank you for reading my post, I hope it answered any questions you may have about affiliate marketing, and if you have a comment or question please leave it at the end of this post and I will respond.  Please remember to like and share 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).


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Online Income Opportunities For Seniors—-Excellent Earning opportunities For Seniors

Online Income Opportunities for Seniors

As we grow older  and I think most of us are in the position where our retirement has become a period when our income and savings are not adequately meeting our daily needs,

Some of us are driven to the point where a decision has to be made whether to buy food for medication, the thought of taking a vacation for some of us is completely out of the picture.

And to find a job if you’re already retired at our age 65-75 and beyond is not easy, I know the situation quite well as I was there myself.

And the thought of going to a 9-5 job traveling through traffic is not at all appealing but thanks to the internet it is possible to find online income opportunities for us seniors I found a few myself until I found the one I am currently settled in affiliate marketing

Some Online Jobs

Some of the jobs I have tried myself is customer service which involves taking calls from customers for a call center company but for this you will need to upgrade your computer and if you have a shared wifi system you will have to get a service for you alone as usually ethernet is used instead of the internet and a headphone for taking and answering calls.

This job did not work out for me I found out that there are some very rude people out there and my assignment was to get people who wanted to cancel their service to keep it.

Another thing I did was to take surveys. In taking surveys you first have to take a survey in order for the company to see how you can be used for their benefit.

Then you may have to take several surveys consisting of many different services and or products.

They are trying to find the right fit for you, the most frustrating thing in taking is in the middle of taking a survey sometimes 15 minutes into the survey a banner comes up and it says you are not qualified to complete this survey.

So of courses, another questioner comes up to try to determine your qualifications for another survey. And the same thing can occur again it was definitely not for me and the income from taking surveys was very small just change for your purse.


Affiliate Marketing

This brings me to affiliate marketing, according to Google dictionary affiliate marketing is a marketing arrangement by which an online retailer pays commission to an external website for traffic or sales generated from its referrals


What this means you will have a website and you will choose what your website is about (your niche) write a blog and apply to companies that have products pertaining to your blog. advertise their products and get a  commission whenever something is purchased from you your link

Just in case you are thinking you don’t know how or you have no technical knowledge or you are too old to try something new, forget it, a favorite quote of mine is  Whatever the mind of man can conceive and believe, it can achieve.” – Napoleon Hill this is something that I truly believe and I have this quote  in quite a few of my posts

I am a boomer myself in my mid 70’s and I am doing it so can anyone.

Wealthy Affiliate

The platform that I am apart of is Wealthy Affiliate and they will teach you the ins and outs of affiliate marketing.

You can become a member of Wealthy Affiliate for free, and as a free member you get 2 websites plus themes to choose for your websites, phase 1 of the Online Entrepreneur Course which comprises of 12 lessons these  lessons are done by the very best instructor, and at the end of the 12 lessons you will have your website up and ready for business

There is another tier in our membership that is the premium, this level is not free but if you are really serious in building an online business I would suggest you upgrade to the premium,

There is so much more information and tools that are made available to you which will further enable you to succeed in your online business.

Here is a list of the premium billing.

The good thing about affiliate marketing is there  are many possibilities of earning not only from promoting  merchants goods but you can also promote yourself you can sell things for yourself you can write ebooks and have them self publish on Amazon or if you have knowledge of fixing things you can have a website along with a youtube video demonstrating how to build or fix things

There is a wide variety of things that can be done if you have a website and by becoming a member of Wealthy Affiliate these possibilities will be opened to you

Wealthy Affiliate has been around for more than 13 years and has membership from 193 countries, there is an ongoing upgrade at Wealthy Affiliate so there is always fresh and updated information and tools available.

The community of Wealthy Affiliate which in my opinion is one of the greatest assets of the company

The community consist of a  group of people that are extremely helpful and are ready to assist you in any way they can  to help you in achieving your goal

The technical support crew is one of the best and they are available 24/7 always courteous and prompt.and you can join for free.

There is money to be made in affiliate marketing I am in no way saying it is a get the rich  quick opportunity, it is an opportunity to make a good income that you will be able to earn a livable income and can also be a source of a passive income

Do not  let the fear of the unknown keep you from starting your own online business, it kept me away for a long time but I am so thankful I found this platform

At least give it a  try you will not know unless you give it a try, it is free you have nothing to lose, if you try and you decide affiliate marketing is not for you, you would have lost nothing.

You can sign up for a free membership by clicking on any of the links in this post I will then contact you and be your mentor, looking forward to meeting you on the Wealthy Affiliate platform.

Thank you for taking the time to read my post it is really appreciated and remember to like and share this post and if you have a question or comment please leave it in the space provided 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).

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Can you earn a full time income online—- You definitely can earn a full time income online

You Definitely can make a full-time income online
Can you make a full-time income online

Can you earn a full-time income online?

There are some people who are wondering if it is at all possible to make a full-time living working from home online. Well I am here to tell you that is indeed possible

As I have stated in another post there are several ways to make money online but for those who are still skeptical let me tell you it is a definite yes

I know that some of us have had our dreams crushed and our trust in online businesses lost but there are the genuine business that offers a legitimate way of making money online

Affiliate Marketing

There are those businesses that you will be able to make a little money online to fill a gap so to speak and there are those that will allow you to build a business where you cannot only build a sustainable active income but has the potential to become a passive income.

It will not be a type of business where you can just push a button or spend an hour or two and make a bundle, no it will take work as Pele the great soccer player said success is no

  accident, it is hard work, perseverance, learning, studying, sacrifice and most of all a love for what you are doing.

I am an older retired person and I needed something to supplement my retirement income which was not enough and like some of you I tried a lot of things and got burned a couple of times until I found this awesome company Wealthy Affiliate.

Wealthy Affiliate

Wealthy Affiliate is not just a platform that host websites it is a university that will take someone like me with no experience in technical knowledge and turn me in an online business owner.

Wealthy Affiliate has been around for 14 years and has a membership of over 1.4 million and these members are from all over the world 193 countries.

Wealthy Affiliate is a company that is always updating the platform with the current marketing strategies and tries their best to genuinely help members to achieve success in business and their life

Wealthy affiliate is dedicated to helping people achieve success in business and in life helping us to achieve financial independence and our instructor Kyle who is one of the owners thrives on teaching for people like me he simplifies the complex you will be learning for the very best

Free Membership

You  will not lose anything trying Wealthy Affiliate joining is free, and you can remain a free member as long as you like

As a free member, you will get 2 websites  2 Websites

  • Website Backup
  • Beginner Training Course Phase 1 =12 lessons
  • Personal  Wealthy Affiliate Blog ( for blogging within the community)
  • Affiliate Bootcamp Training – Phase 1 Only
  • Video lessons all the lessons are presented on videos
  • Keyword Research Tool – 30 Searches (Jaaxy keyword research tool)

At the end of phase 1 (12 lessons), you will have your website up and running and you will have everything set up to start operating your business.

There is also another level the  premium level I would definitely advise that you upgrade to premium and this contains a lot more information  and tools to enable you to grow your business

If you are wondering if you can grow your business with the free membership, yes but it will be hard especially if you are new to affiliate marketing there is so much to know to improve your business.

Premium Membership

The price for the premium membership, in my opinion, is very reasonable for all the information and tools that will you be getting, here is the list of the premium billing.

One of the best features of Wealthy Affiliate I think is the community, it is one of the most helpful community, everyone helps each other there is no competition everyone is eager to assist you.

There are so many awesome things about wealthy affiliate another one is members create training videos of ways they have found to do something maybe a little easier way to do a task

And then there are the super affiliates, these affiliates make at least $7000 a month and all the super affiliates are invited to Las Vegas by the owners Kyle and Carson where they not only celebrate their achievement but discuss ways to make Wealthy a better platform.

Wealthy Affiliate’s super affiliates 2018 in Las Vegas

So If you decide to pursue an affiliate marketing business, or want to add affiliate marketing to an existing business, understand that it’s not fast, automatic, nor without effort, but with the great platform of Wealthy Affiliate and the awesome community of the members you can have a successful business that will enable you to make a full time living online.


Wealthy Affiliate is not a scam is a legitimate way of making a sustainable living online, it’s not a walk in the park but it can be done.

We have people that have been members since 2008 and have no intention of leaving

Wealthy Affiliate is a platform built for every  affiliate marketer whether you are new to the world of affiliate marketing or you’re a super affiliate

Remember you can try wealthy affiliate for free, so check it out if you do not like affiliate marketing and  decide it is not for you then you have lost nothing

You can sign up by clicking on a link in this post and I will be there to be your mentor not only me but the entire community, give it a try if you don’t you will never know and it’s for free

You will not be asked to provide any financial information no credit or debit card you will be only asked for your name and email address so you have nothing to lose

Thank you for reading my post should you have a question or a comment please leave it in the space provided at the end of this post and I will be sure to reply and  like and share this post, it will be much appreciated,

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).

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Is Swagbucks A Scam or Legitimate—– There is a better way to make money online

There is a Better way to make money
Is Swagbucks A Scam or legitimate

This is my review of Swagbucks, is this company legitimate, can you make a decent income from Swagbucks or is it a complete waste of time,

Before we get into the money-making aspect of Swagbucks here is a look at the company behind Swagbucks

The Owners of Swagbucks is a U.S.-based company that was founded in 2005. It’s owned by Prodege, which also operates the popular site MyPoints.

According to their information on the company’s website Prodege, LLC an internet and media company is comprised of three consumer engagement platforms: Swagbucks, MyPoints, and ShopAtHome, which deliver engaging content to more than 60 million members.

Prodege LLC has an A- rating and 4 stars from the Better Business Bureau,

There are several ways to earn money or Swagbucks (sb) and I will be looking on several of them.         (best way to earn money online here)

  1. Completing your profile

Sign up and complete your profile that is worth $10.00 there are some rules that go along with the $10.00, you have to spend at least $25 at a featured store in Swagbucks within 30 days of signing up. So you need to spend $25.00 to get 10.00

     2. Watch Videos

These videos will be broken down in different categories, like News & Politics You will also see that most videos are in a playlist and you will have to watch all to earn your Swagbucks.

It also shows the amount of time these videos will take and how much you will earn. You will earn approximately $2.13  per hour, there are some who just allow the video to run while doing something else.

       3. Take Surveys

You can take surveys this is one of the better-paying activity on Swagbucks it works out to be about 2.50 to 3.00 per hour and that is if you are qualified for all the surveys you are given

(turn your passion into a business)

4. Daily Swagbucks Tasks

You can participate in daily task and earn some money, the task is on the side menu in your account

Most of these tasks are simple and you do not have to complete all of them.

There are quite a few other ways to earn money on Swagbucks but you should be careful some of these things you will have to spend money before you can earn money

 (Start a home business online)

Swagbucks Codes

Swagbucks codes are codes that Swagbucks published online these codes are published randomly.

They are usually on their social media accounts or in the will need to have the Swagbucks Toolbar/Extension and the mobile app (with notifications enabled)The toolbar is compatible with the following Internet browsers:

  • Microsoft Internet Explorer versions 6 and above on Windows Vista, XP, and 2000 operating systems
  • Mozilla Firefox versions 1 and above, including beta versions, on Windows (Vista, XP, and 2000), Mac, and Linux operating systems
  • Safari all versions except 4.0.3

Once you have the Swagbucks Toolbar you will be notified when a new Swagbucks Code is published and where to find it at.

Then all you need to do is to find it and copy and paste it into the form and redeem it.

Swagbucks Mobile App

(earn extra income)

Swagbucks Mobile App is another way you can earn money while away from your computer is a way to earn Swagbucks every day while on the go.

You can earn some Swagbucks on your lunch break on sitting on the bus or waiting for an appointment, you can answer polls or look for deals.

Swagbucks Shopping

You are given Swagbucks for every dollar you spend when you shop through the swag bucks portal.

So if you are a shopper or just need to do some shopping this would be a good idea to earn some extra cash of course not everything is available, so you will have to what is available through the Swagbucks shopping portal.

Swagbucks company paid out $175,000,000 in cash back so can you make money joining Swagbucks yes you definitely can, so Swagbucks is no scam it is legitimate, however, you will not be able to earn enough for a livable income I think you may be able to earn $20- 30 per month and if that is ok for you then its Ok. you can sign up.

But if you would like to start a business for yourself online,  where you will be able to earn an active income that can eventually become a passive income I would like to suggest to you affiliate marketing

With affiliate marketing you can earn 4 figures and up per month from your home or anywhere you only need a computer and access to wifi, it will not be easy as taking surveys or watching videos but it will be much more rewarding.

If you would like to know more you can click HERE

Thank you for reading this post for comments and questions please leave them in the place provided and the end of this post and a like and share of this post  would be much appreciated

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).

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MY Digital Survey Review —Is There a better way to make money online?

My Digital Survey review

There are many ways to make money online and one of them is to take surveys, in today’s post I will be looking at MY digital Surveys which used to be MY Survey.

I had joined up with MY survey but had to stop doing surveys as I thought it was not worth my time but I received an invitation to become a member for my digital survey with the promise of earning &400; so I decided to check it out.

A Better Way To Make Money Online Here

I found this email in my in box.

$424.10 PAYMENT: YOU DID IT, Ruthlyn!


MySurvey Team <></>

Mar 28 at 11:59 AM



Because of your membership with us, you’re now eligible to collect payment of up to $424.10. Click below to be guided towards collecting this exclusive member bonus.

Four Questions to Ask if You’re Unsatisfied with your Career

If you feel like something is missing from your career, reflect on these four questions to gain better insight on what you could do to become more satisfied.

Start a new career here.

Written correspondence only – accepted at:

My Digital Survey | 3309 Robbins Rd #501 | Springfield, IL 62704-6587

For Qualified Users

Global Test Market and My Survey merged at the beginning of 2019  and is now called Life Points and my digital survey is a part of this life points merger.

Global Test Market is an online-survey panel run by Lightspeed Research site (GMI) Inc.).  The company has been in operation since 1999.

Life points were launched in 1946 as Nation Family Opinions and later acquired by life points partners with over 1500 companies, in 70 different countries. As of 2019, they boast a total of 5.5 million active registered users across the globe.

SO the company itself seems to be very reputable, the question then is how much can be earned doing surveys at my digital survey.

Signing Up

Signing up for my digital survey is very simple, the usual thing your name, email address, username and password.

Once you sign up process is complete you will then get, survey invitations sent to your email address and these surveys can be taken anytime within the survey window time period.

How it Works

The survey’s you are sent are focused towards fitting your lifestyle and you’re free to decide whether or not you want to participate in them or not.

Surveys range in length depending on the product you’re reviewing, the length of time expected to take the survey is given so you can decide if you have the time to set aside to do the survey, you will also get to see what the value is for taking the survey.

How Do You Earn

You get 10 points just for signing up and then 10 points for confirming your email.that,s a total of 20 points and that is worth 30c,

You are paid either through gift cards or you can get cash through PayPal, to get $15.00 you will have to accumulate a total of 1150  but a gift card from  IKEA for $15.00 cost you 1250 points. The point system can be confusing because different parts of the world point system is different.

But a good estimation would be that 10 points are worth approximately 15c.

The payout threshold starts at around 725 points for a few gift cards. But for PayPal, the payout threshold is 1100 points which will give you around $15.

How Much can you earn?

You definitely can earn some extra cash but in my opinion not enough to satisfy most of us needs for extra cash to supplement your income in any meaningful way.

(Learn how to create an Active and Passive income here.)  

You can also earn money from their sweepstakes Their quarterly sweepstake has a prize pool of $2000, in the form of Life Points. This pool is divided among 103 lucky winners.

You earn sweepstake entries in several ways, especially by successfully completing surveys.

Winners are notified through an email that details instructions on how to claim the reward.

You can also earn points by referring a friend you can give your referral code to a friend. You earn LifePoints if they register with Life Points using your code, and complete one survey.

You may be able to earn $30.00 per month, I think there are some slight improvements compare to the Survey I was only able to earn $10.00 for a month because most of my surveys I was not qualified for.

The Pros for My Digital Survey

Free to join

  • Easy to use
  • Good payout methods
  • You can earn $50-60 in two months
  • You can take surveys on your phone

The cons are

  • Support is slow at times
  • The point system can be a bit confusing at first
  •  The Account can close down without notice

My Conclusion

MY digital survey is not a scam it is backed by very reputable companies although it is not accredited by the BBB people have earned money from doing their surveys.

They have made a claim that they do not sell your information well after I fill out a survey about myself I began getting telemarketing calls like a crazy, coincidence? Maybe, but I think not.

So if you like taking surveys and you only need pocket money then go right ahead My Digital Survey is Legit.

But if you are looking to start your own online business where you can earn a good income, it will not be easy as taking surveys but much more profitable click here.

I have found some reviews of MY Digital Survey I would like to share with you, I found these reviews on BBB website

Tiffany P




I’m wondering why they don’t have an F from the BBB? it’s a scam. I’ve unsubscribed and they still send me emails all the time! Give me my money OR stop bugging me, it’s real simple.

Taneicia M




I’m so fed up with this website, My Digital survey send me an email once or twice a day telling me to accept my pay out of $157.00 , I’ve done several surveys , there’s no pay out .. all they’re doing is collecting peoples information and selling it to tele marketing companies. Have you ever gotten a random call during the day about a student loan or anything of that nature? That’s because there was a website that sold your information. And that’s exactly what “My digital Survey” is all about .. they don’t pay you anything let alone give you a point for anything

Christopher M




It’s a scam they haven’t paid me a single dime and I’ve taken four surveys already

Thank you for reading my post 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 and please remember to like and share

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).

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