Monthly Archives: June 2019

How To Overcome Financial Stress (Prepare For Retirement)

Prepare for retirement.
How to overcome financial stress.

How to overcome financial stress.

Retirement should be an exciting time in your life, but the fact is it can also be a financially draining time in our lives, especially when it comes to the cost of healthcare.

It is a known fact the older we get the greater the possibility that we will become sick with some health issues that can be horrific both in health and cost

It would be a good idea, therefore, to start saving towards these unknown expenses earlier on in life, but unfortunately this is not done for different reasons, either we are living from paycheck to paycheck and cannot afford to save anything or there are other things going on in the family that takes first priority and so saving never gets done.

And some times we are banking on Medicare to take care of our medical expenses not knowing that Medicare will only pay for some of the basic medical expenses.

(Start your own business FREE)

According to health, these things are not covered the


What’s not covered

While Medicare covers a wide range of care, not everything is covered. Most dental care, eye exams, hearing aids, acupuncture, and any cosmetic surgeries are not covered by Medicare Parts A and B.

Medicare Part A covers

Medicare Part A covers hospital inpatient costs. However, just because you visit a hospital doesn’t mean that you’re an inpatient. An overnight stay doesn’t mean you’re an inpatient either.

  • You’re an inpatient when you’re formally admitted to a hospital with a doctor’s order.
  • You’re an outpatient if you receive any type of hospital services without being formally admitted to a hospital with a doctor’s order. This may include emergency services, outpatient surgery, lab tests, and X-rays. In these cases, you’re an outpatient even if you stay overnight at the hospital.

Part B covers

Part B covers a wide range of tests and services, including:

  • screening for cancer, depression, and diabetes
  • ambulance and emergency department services
  • influenza and hepatitis vaccinations
  • electrocardiograms (ECGs)
  • medical equipment
  • some drugs, diabetes supplies, and some prescriptions for eyewear

Long-term care is also not covered by Medicare. If you think you or a loved one will need long-term care, consider separate long-term care (LTC) insurance policy.

And they think that medical expense could cost up to $240,000 during your senior years,  and they suggest a special saving account for that day.

Now if you are an earlier boomer like myself that means you were born in the years from 1946-1957 I think for us to start savings account now in order to save $240,000.00 would be a near impossible feat.

Near impossible but not impossible. There are some things you can do, you can make a budget, and you can also get all your debt consolidated by debt counseling companies like in everything check out the companies thoroughly as some are looking to rob you in fees. My suggestion is to go with a not for profit company.

Then you can get a side hustle if you are somebody who likes art you can make things and sell online, with everything being done online  these days I think doing business online is the way to go

You can also create your own online business, it is not hard there are companies that can help you to create your own business for free and the #1of these is Wealthy Affiliate.

Wealthy Affiliate will help you to create and design your very own website, and with a website, you can become an online entrepreneur having your own online business.

You can turn any of your hobbies into a business, you could author an ebook on any subject recipes, healthy diet or anything for that matter.

Or if you make things your website would enable you to sell your stuff worldwide, and maybe you are thinking that would be too much hassle, well you could be an affiliate marketer.

What is an Affiliate Marketer

According to 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 by

So with affiliate marketing, you will be advertising merchants goods on your blog and you will be compensated by the merchants if any purchase is made through the adds on your blog.

The merchants will assign to you a code that you will insert in your blog and when a purchase is made by a customer clicking on that code you will be paid a commission.

At Wealthy Affiliate you will be shown how this and everything has to do with online marketing is done  AT Wealthy Affiliate you will be given a thorough education in Affiliate Marketing

Wealthy Affiliate

Wealthy Affiliate is not a new company, it has been around for over 14 years and has earned the reputation as one of the leading affiliate marketing training platforms.

The members of Wealthy Affiliate are drawn from all over the globe, all continents, 193 countries to be exact and our current membership stands at 1.4+ million.

The platform at Wealth Affiliate is built to suit everyone whether your a novice, have a little experience or you are a super affiliate marketer.

Wealthy Affiliate websites are powered by the very popular WordPress.   WordPress is the simplest, most popular way to create your own website or blog it very easy to use you do not have to be a tech to use it (case in point ME).

In fact, WordPress powers over 30% of the websites on the world wide web now.

At WEalthy Affiliate, you can become a member for free and there is no expiration date to a free membership.

With a free membership, you will get phase 1 of our online entrepreneur course which consists of 10 lessons and at the end of the 10 lessons you will have your web site up and running and contents already posted and monetize the entire course is 5 phases  or 50 lessons

Have a look at one of the training videos that provided in the free membership starter program

Building your own niche site
Building your own Niche website

There is also the premium membership which offers a lot more information and tools which will make your success easier.

I have posted a list of the information and tools provided with each membership and you can see the difference.

I would strongly recommend you upgrade to a premium especially if you have no experience in online marketing.

And the price of the premium is well worth the price for what is been offered I do not think there is a better platform for training and maintaining your online business

I have posted the premium price here

Everything is provided in the price there is no upselling you do not have to buy any program to get further training. The only thing you will have to buy is your domain name (that is your address on the web, your .com name)

I know of some platform that if there is a  technical problem you will have to pay $19.00 for tech support at wealthy affiliate technical supports available 24/7 at no extra cost and there is a link from your dashboard to the tech support team.

And with the premium, you will get additional live training videos these videos go into the some of the finer points in running your website. Have a look at one of these training videos

ship dropping Nov 23 2018
The Art Of Ship Dropping

And Wealthy Affiliate has the best community of like-minded individuals coming together with the same goals of running a successful business and will selflessly assist each other to succeed.


When you are faced with financial stress, it can definitely affect every area of your life. If you have financial crises, you will experience some difficulty concentrating on your daily task, demands of the workplace, focusing on your relationships and so on. It can also affect your health like depression, which can cause your blood pressure to rise.

It is better to avoid financial stress at all cost and the way to do that is to prepare, no one knows what the real amount of savings is needed in retirement, every financial institution has a different amount.

I think the best way to prepare is to have your own way of making money, and affiliate marketing is the best way of making money online.

And with affiliate marketing it is not hard it does not cost a lot of money to start, you do not need a brick and mortar building, no inventory, no dealing with customers.

The only cons about affiliate marketing are it takes time, success will not happen overnight, it takes time to build trust and an audience, like every business you need to put in the effort, work, patience.

Here is a blog from one of our members.

I think this is a good thing for everyone I am not a young person I am in my70’s with no prior experience in online marketing or any technical skills of any kind and I am doing it so can anyone.

Remember you can try it for free and if you decide it is not for you-you would have lost nothing, you can also become a free member and if you decide you would like to have a look at what the premium membership is all about, there is an offer of the first month for $19.00 but this offer has to be taken in the first 7 days.

And another thing that is great about Wealthy Affiliate there is no contract to sign,  and no commitment to Wealthy Affiliate, the commitment is to yourself and on becoming a free member you will not be asked for any financial information.

Thank you so much for stopping by, I hope you found the information helpful, please remember to share this post and should you need more information or have a comment or a question please leave it int he spaces 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).

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How to Live Without A Job—–Start Now, Be Your Own Boss

How to live without a job

To live without a 9-5 job in this current era is easier than it used to be, with the advent of the internet and the speedy advancement of this technology the opportunity to escape the corporate grind. ( start a new career here)

The opportunities are limitless, and the potential to earn a livable income is possible as long as you remain focused on staying on treating these opportunities seriously.

A good step to take in getting started, do not procrastinate once you have decided what you are going to do get started. DO IT

I think this is the most important way to achieve anything. There is no magic formula or special training that will help you make money.

If working online is something new to you or if you are starting on a new venture then you should follow the training and implement what you have been taught to your project. (get started for free here)

Remember it is important to carrying out your ideas and sometimes failing, taking notes of what caused you to fail and start the process again, remain focus and determined and be patient

Success does not  just happen, it takes  hard work,  determination, learning, studying, sacrifice and patience

And if you can conquer this element of discipline it will help you make money in whatever project you start,

Online Opportunities

There are many projects you can do online and I have written a blog on the different jobs that you can do working from your home. But I will mention a few here.

  • Take surveys
  • Watch videos
  • Teach a course
  • Author an online book
  • Sell a product
  • Offer your service,
  • Start a blog and start your own business as an online marketer
  • And the list  goes on

Online Marketing

But of all the jobs that can be done online, online marketing is the best one There are several advantages to online marketing

  • It’s cost-effective, you can start your own business for free
  • There is a global reach you are not restricted to an area or time zone
  • Better able to reach a targeted audience
  • You will be able to do business 24/7
  • You will be in control of your time.
  • With affiliate marketing, there is no inventory
  • No customers service
  • No delivery to make
  • No returns to handle

These are just a few of the benefits to online marketing/ affiliate

marketing but there are more,

One of the main cons of affiliate marketing is, it does take some time to show a profit, as the trust of your audience has to be won and that takes time, and because of this a lot of marketers has left the business because of the lack of patience.

I would, therefore, suggest that you find a side hustle until your business is showing success.

You will need a website to do whatever online business you will be doing, there are some affiliate marketing companies that charge a lot of money to build and maintain your website,

you could also build your website yourself by finding all the information on the web but the information is scattered throughout the internet and if you are not familiar with the process it will be very difficult to do.

I am a member of an affiliate marketing platform that will teach you, step by step not only to build your website but also guide you into setting up your site with everything to have your website ready for business and this can be done for free.

Wealthy Affiliate

I am talking about Wealthy Affiliate,  This platform has been around for 14+ years with a membership of over 1,000,000 and we have members who have been a part of this platform for over 10 years.

Here is a blog by one of our members

Wealthy Affiliate has two-tier membership, free membership, and the premium membership

I have left this chart to show the difference in what is been offered in each membership


As you can see the difference in the premium membership with free membership you get 2 websites and 12 themes to choose from while with the premium membership you have 50 websites and over 1000 of themes to choose from

But also the information and tools that are provided in the premium membership will better enable you to achieve success.

And remember you can become a member for free.and you can remain free as long as you  like,

Here are the premium payment choices.

It is very reasonably priced for the amount and quality of the information and tools provided.

So you can not only live without a job but you can thrive without a 9-5 job, this online marketing you can not only earn a livable income but this can also over time become a source of passive income.

And with a premium membership, you can have several sources of income by having different websites  catering to different needs

There are many members who are earning 5 figure income per month with only one website,


So if you would like to be your own boss and be able to control your life and time means Spending quality time with your family, enjoy fun family vacations. get involved in your kid’s activities and earning extra money to increase your income for all the little extras in life.

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

You will find in Wealthy Affiliate a company who really cares about your success in business and in life, this platform is up to date in all the latest tools and information in all things affiliate marketing and the lessons are well laid out for easy understanding

Enjoy this video of a lesson in phase 1 of the free membership which consists of 10 lessons the entire course which is available with the premium membership is 5 phases which are 50 lessons.

phase 1 lesson 1
Let’s get rolling Phase 1 Lesson 1

The Platform provides everything you need to build your business you do not need to go anywhere else to get anything everything is provided.

And remember you will never be alone at wealthy affiliate because our membership is from every country there is always someone online to assist you,

the Wealthy Affiliate community is one that helps each other in my opinion I think this is the best community to be a part of.

And Out tech support is available 24/7and will go the extra mile just to make sure everything is working to your satisfaction.

I will also be there to assist you if you should become a member by clicking on any of the links in this post.

You can join for free try it out at the end of phase 1 or the 10 first lessons your website will be up and running and all ready for business.

And if you would like to see what the premium  membership has to offer you can become a premium member for $19.00 if you become a premium member in the first 7 days of joining

There is no contract to sign no commitment to Wealthy Affiliate and if you decide you do not want to continue that it and remember you can come back at any time.

Thank you for taking the time to read my post I do appreciate it and you can leave your questions or commitment in the place provided at the end of this post, 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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How To Avoid Running Out Of Money In Retirement (Take Action, Start Your Business Now)

How to avoid running out of money in retirement

The closer we get to the retirement age, the more concerned we become, thinking how are we going to survive not getting a paycheck. The thought can be overwhelming.

However,  in a survey done in 2016 by the financial firm found that 60 percent of baby boomers feared running out of their savings more than death.

There are a lot of us boomers worried what will happen if the retirement crisis, that every financial institution is predicting does occur.

Will we have the financial capacity to support ourselves, and how will the country address the issue, and what might retirement look like in years to come?

It is unlikely that Social Security will be able to pay full benefits by 2035, but the problem is not only with the ability for the government to pay full benefits through Social Security.

Private employer-sponsored plans that offer traditional defined benefits are also declining.

And while companies are offering pension plans that are defined contribution plans, many individuals aren’t saving enough, according to the Government Accountability Office report.

Caring for retirees will fall primarily on public assistance and government entitlement programs, like Medicaid.

Medicaid Cost  

 (start your business for free)

And with the cost of Medicaid getting higher and is predicted to go even higher, will put substantial additional pressure on the federal and state governments.

And it must be remembered that the older we get the likely wood of us needing more medical aid is something we need to look at.

And at the moment Medicaid does not pay or compensate for everything some examples are:

Medicaid does not pay for routine dental fillings and cleanings, neither are dentures and other dental devices, hearing aids or the exam to select and fit the device,vision checks  for prescribing glasses, most types of cosmetic surgery are not covered, routine foot care are not covered,nursing home stay over 100 days are not covered, and home health care are not covered )eg help to take a bath etc.

So all these expenses will be out of  pocket and as we are living longer means that we need sufficient funds to keep us living fairly comfortable in our senior age

Life Expectancy

It is said the average life expectancy of people who live past age 65 has steadily increased.

This may be good news but it can cause a real problem. As life expectancy increases, the health problems also increases and the risk of running out of retirement money increases.

It is said the life expectancy for those couples who reach age 65, 50% will have one partner live past 92, and 25% will have one partner live past 96.

That means one partner has a 1 in 4 chance of having to make it through 31 years of retirement.

Are you prepared for that, I know I wasn’t so I started my own online marketing business.

I think if you are approaching your retirement age, in 5-10 years I believe this would be the perfect time to look into starting your own business.  (you can start for free here)

While online marketing is not difficult, it does take time to grow and be established, in this way you will be able to earn a decent living from your business.

I know the thoughts you are having, I have been there so I know, but please put negative thoughts away, the I cants and too old, and never did this, don’t know how to.

There is a platform that you can become a member at no cost (FREE) this platform is Wealthy Affiliate.

As a free member at Wealthy Affiliate, you will get phase 1 of the best affiliate marketing course   Online Entrepreneur Course which is 10 lessons, the entire course is 5 phases and each phase consist of 10 lessons each.

Here is a look at the 10 free lessons

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

But at the end of the free course, you will be ready for business, your website will be up running live on google waiting for the world to find.

With the free membership, you will have 12 themes to choose from, so you do not have to worry about web design, of course, should you upgrade to premium there will be thousands of themes to choose from.

And unlike other affiliate marketing training platforms the free membership at Wealthy Affiliate never expires.

And the great thing about Wealthy Affiliate there is no upsell this means should you buy a premium membership you are not required to buy anything else apart from your domain name which cost about $13.00 everything is provided for your success.

I like to leave a list of the information and tools that are provided with each membership.

You may be wondering why can’t you remain a free  member and be successful

I have heard of others trying it, but I am not sure what is their success rate, but I do know that there is a big advantage in going premium.

Here is a premium payment cycle it is broken down for your preference.

As you see it is very reasonably priced for all the information and tools provided.

About Wealthy Affiliate

Wealthy Affiliate had been around for 14.5 years and has a membership of over 1.4 million and these members are from every nation 193 countries and the awesome thing about the wealthy affiliate community is we are a community that helps each other.

So should you decide to give Wealthy Affiliate a try for free you can do so by clicking on any of the links in this post and I will be in touch,

The Wealthy Affiliate platform is one that is built for every affiliate marketer, newbies, have some knowledge or very knowledgable about affiliate marketing.

On this platform, you are taught the ins and outs of affiliate marketing, here is a link to someone who has been a member of Wealthy Affiliate for more than 8 years, and there are a lot more like him.

Have a look at one of the free membership training videos

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

If you are looking at retirement with some doubt and wondering will your retirement savings last you through your remaining years, why not give this a try and even if you are nowhere near retirement but you need that extra cash this is for you.

There are people here earning more than $7000 and of course, there are some earning lest but the potential to earn is always there. Here is a picture of our super affiliate marketers those earning $7000 and more

Now I am not saying you will be making a lot of money in a very short time, no this business takes time, you will have to gain your audience trust, and building trust takes time.

You will need to be dedicated, consistent, and put in the time, the time to learn and build your business, but as a family, we will be there with you assisting you in any way we can along the way.


So here are my final thoughts, you would like to be financially secured through your retirement, allowing you to live comfortably without the thought of where will you find the money to do the things you want to do. So Take Action!​​

Start acquiring the knowledge, strategy, and confidence it takes to move forward. And you can start for free.

​There is no contract, no financial obligations to meet, should you decide that affiliate marketing is not for you there will be no loss to you, so why not give it a try,

I will be there to be your mentor should you need me just click on any of the links and I will be in touch.

You will find Wealthy Affiliate is a company that cares about your success not only in your business but in you as a person, and the platform is always updated so the platform is currently in all the latest trends and programs, that means you will not be taught old stuff.

Hoping to see you at Wealthy Affiliate.

Thank you for stopping by, really appreciate it, please remember to share and please leave your questions and comment in the space provided at the end of this post and I will get back to you 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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Retiring With No Money Saved?–(Start Your Own Business for Free Now)

Start your own business for free now
Retiring with no money saved?


Retiring with no money saved?

In an article written by Elyssa Kirkham /Gobankrates and published in the online magazine Money, she states that 56% of all Americans has $0 saved for retirements

Unfortunately for many of us saving for retirement is not an area where our attention is focused, because of the necessity of meeting our daily financial demands, which is a struggle, the thoughts never seem to go towards retirement savings.

There are many financial  obstacles that the majority of us faces some of there are: credit card debt, student loan debt, low wages, the need to save for a child’s college education, and the list never ends, all of these things can put a strain on our budgets, they don’t necessarily make it impossible to save for retirement.” (start  your own business for free)

Most of us are falling short of the amount of savings required for a comfortable retirement and that is if we are saving at all.

Not Earning Enough

According to  Kristen Bonner, the GoBankingRates research lead for this survey. Said  The most common responses to the question of what people have saved for retirement across all age groups are “I don’t have retirement savings” and “less than $10K,” breaking down as follows:

  • One-third of Americans report they have no retirement savings.
  • 23% have less than $10,000 saved.

This lack of savings could be an indication that there are many issues facing individuals, in just to get started on retirement planning.

I think this is mainly due to a lack of education on the importance of retirement savings, and when we are young the thought of retirement seems to be a long way off so there is time for savings.

As well as the constant changing of jobs so any 401k or 403b never gets to mature to earn employers matching the input, and I think it is going to get even worst as most companies are employing people on a contract basis.

So I strongly suggest that those of us who are approaching retirement, or even younger to start a saving program and I would recommend that you find an additional source of income

One business venture I would recommend is online marketing, this can be done from your home or anywhere for that matter, you only need a computer and wifi connection.

Women Likely to have No or Little Retirement Savings.

Again from the survey from GoBankingRates research have found that:

  • Women are 27% more likely than men to say they have no retirement savings.
  • Two-thirds of women (63%) say they have no savings or less than $10,000 in retirement savings, compared with just over half (52%) of men.

Women do not earn as much as men in most cases for different reasons, sometimes they are not paid equally for the same job done, and women oftentimes need to stop working for periods of time for different reasons, usually, it is to take care of their family

And it just so happens that women’s’ retirement savings need to be higher than men,  It is well noted that a woman medical cost tends to be higher in retirement and women tend to live longer than men, and outliving their retirement funds is an increasing possibility.

The survey also found that 28% of seniors 55 and over and over had no savings and were depending for social security for their retirement income.

  • About 3 in 10 of respondents age 55 and over have no retirement savings.
  • 26% report retirement savings with balances of under $50,000, an amount that is insufficient for people nearing retirement age.
  • Over half (54%) of people age 55 and over have balances far behind typical retirement fund benchmarks for their age group.

Start Your Own Business

Now with all these statistics, it would lead us to believe there is no hope for seniors who have no savings, well I am one of those in the statistics who have no savings for retirement.

But I am not complaining,  I have found a way in my seniors years to be independent by having my own business and am making an income to satisfice my basic needs, and have the potential of growing in a very successful business over time

I am talking about affiliate marketing, it’s not going to make you a millionaire overnight, it does take time and dedication, consistency and lots of patience but the reward is great and satisfying.

The great Brazilian soccer player Pele said   Success is no accident, it is hard work, perseverance, learning, studying, sacrifice and most of all a love for what you are doing.

Wealthy Affiliate

You can start your own online business at Wealthy Affiliate at no cost to you (FREE), you will be given phase 1 of the online entrepreneur certification course, this phase comprises of 10 lessons and at the end of this phase,  your website will be up and running and will be ready for business.

You will learn the 4 stages of online marketing

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 in SiteRubix.

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!

These step by step instructions will be given in an easily understood manner via video, you will understand what is affiliate marketing and how it works. ( watch the video below )

Understanding how to make money online

understanding how to make money

This only 1 of the 10 videos that come along with the free membership

The free membership never expires, there is absolutely no expiration date you may have to buy your domain name for about $13.00. If you are using the free domain name will have to be updated.

Of course with our premium membership, there is so much more information that is provided in order for you to succeed in your online business

I have left you a chart of the tools and information that is provided with each membership

You may be asking why upgrade to a premium membership, well your chances of success are greatly improved because of the amount of information and tools offered in the premium membership

Here is a sample of the live  videos that come along with the premium membership

keyword research
Understanding Keyword Research

I would encourage anyone to upgrade to premium especially if you are new to online marketing and I have a premium billing list you can choose which cycle is best for you

Wealthy Affiliate is a platform that was built for  all online marketers whether they have no experience in online marketing or they are super affiliates with years on experience

Wealthy Affiliate is always  updating their platform and because of this the platform is current and up to date in all things pertaining to online marketing,

Wealthy Affiliate has been around for more than a decade and has members from all over the world, I think Wealthy Affiliate could the united nations of affiliate marketers.

The Warmth and friendliness between the members are I believe the greatest asset of Wealthy Affiliate, everybody is willing to give assistance there is no competition,

I know if you are old like me or older (I am in my 70’s)you may be thinking you are too old to learn something new, you are not a technical person, you can’t type very well, and you can’t write or you don’t know enough about a subject to write about (those were my thoughts) forget it  – Napoleon Hill said “Whatever the mind of man can conceive and believe, it can achieve.”


Having your own online  business is something that everybody can do, it can be done from your home or anywhere in the world as long as you have a computer and internet connections

You do not need a degree in education or anything else, you do not need to be a web designer or any such thing, if you have an interest or a passion or a  hobby,  maybe you have an interest but you think you do not have sufficient knowledge to write about, with constant research you will become an expert.


You can become a free member look around, build your website and if you decide it’s not for you that’s ok you would have lost nothing.

And if you are not sure and want to look further you can upgrade to premium,  if you upgrade to premium monthly before 7 days after you join you get the first month at a 56% discount that is you pay $19.00 for the first month.

You will not be asked to sign a contract or make any commitment and as a free member, you will not be asked for any financial information. So why not give Wealthy Affiliate and online marketing a try you will never know unless you try

You can join by clicking on any of the links in this post, I will be there to assist you in any way I can,  so see you on the platform

Nice of you to stop by, thank you please share and should you have a question or comment leave it in the space provided and I will be in touch 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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Affiliate Marketing for beginners——Start your Online Business For Free

Start your online business for free
Affiliate Marketing for beginners

Are you looking for a way to earn some extra cash or trying to find a way to make some money to replace your 9-5 job, ready to get out of the hustle of traveling in traffic, maybe you’re thinking you need to be your own boss?

Maybe you have read or heard about Affiliate Marketing and are thinking you would like to try it but not sure how, well let me give you a little insight into affiliate marketing.

What is Affiliate Marketing

According to 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 by the affiliate’s own marketing efforts.

There are several ways to make money online you can do so by selling a product or offering a service but in this post, I will be looking at a process that has been proven to be the most successful way for generating an income online

Who Can Be A successful Affiliate Marketer?

Anyone Can be a successful affiliate marketer. There are approximately over 4 BILLION people using the Internet it doesn’t matter what where you head online, or what topic there are people there that you can connect with to create your business online.

 Requirements are needed for online marketing

There are no requirements to have technical experience or online marketing experience. Everything related to online business can be taught on the right teaching  platform

There are four steps to get you started in the online business, let’s have a look at them, try   are

Step 1: Choose what you will be blogging about. This can be anything at all, any interest, passion or even something you have no experience with. You will eventually become an expert by doing research for your blog.

Step 2: Build a Website. Your website is your foundation. It should be very easy to navigate, easy to read not too cluttered. Do not let this cause you any concern. There are platforms that can have your website up and running in 30 seconds and you can join this platform for free here

Step 3: you will need to Attract Visitors to your website. There are many ways to attract visitors to your website there is social media, PPC and paid add but the best method is your own content consistent and good content is the proven best method to drive visitors to your website.

Step 4: when your site is up, running and you have visitors to your site you are now ready to Earn Revenue. This is done by placing links from the merchant that you are advertising for on your blog and you will receive a commission should anyone purchase from one of these links

There are close to 4 billion people online and these people are searching for things all the time.

They are searching for not only information but for solutions in solving problems and things to buy

And from this vast amount of people is where your audience will come from so by offering helpful information about what they are looking for on your website you will be helping these people and at the same time earn some money.

Here is a diagram of just how affiliate marketing works

And I must emphasize, you need to develop and nurture your audience, answer any query or comment they may have and connect with them on social media channels. Respond to their emails. You need to connect with your audience and develop that relationship and trust over time

You may be reading this and thinking this is too hard, but you need not do this by yourself, there are platforms that will help you through the process, and one of them is a platform that I am apart of Wealthy Affiliate

Wealthy Affiliate is a platform built for every affiliate marketer whether you are new, or think you are too old (I am in my 70’s) or you are a super affiliate with loads of experience, Wealthy Affiliate is for you.

Wealthy Affiliate websites are powered by WordPress which is one of the best web hosting platforms today,  it provides the web space and holds all our files on their computer so that our visitors can see them it also makes blogging and building your website much simpler as they provide all the necessary tools which are easily accessible.

There are other platforms that are offering membership at a very low cost and you can look around the platform for 14-30 days and then you will have to upgrade.

Wealthy Affiliate

At Wealthy Affiliate you can become a member for free there is no time limit to being a free member, you will go through phase 1 of our online entrepreneur   certification program which consists of 10 lessons

At the end of these 10 lessons, your website will be up and ready for business

If you are thinking how long will you be able to remain a free member well as I stated there is no limit to your free membership,

I saw a member’s blog he said he was a free member for 18 months I cannot tell how successful his business was, but I would recommend that you grade to premium if you really want to learn all the in’s and out’s of affiliate marketing

Here is a list of the two membership programs and you can see the big difference in tools and information that is provided.

If you are an experienced online entrepreneur then maybe you could stay on the free membership but for somebody who has no experience then I would definitely recommend a premium membership

Membership Options

The cost for a premium membership is very reasonable for the number of tools and information that is made available to you,

You will get access to Jaaxy keyword research tool  the very best research tool available to date, and you will have unlimited search and weekly webinars  of the little fine points in running a successful website ( here is an example)

Here is the premium billing chose the plan that suits your  preference

There is no upsell everything you need to build your successful website is available for the one price.

There is only one thing that you need to purchase when you first build your website you will be using a free domain (siterubix) you will have to purchase your own domain which cost about $13.00

At Wealthy Affiliate, there is a membership of over 1,000,000 and these members are from 193 countries,

It is said in the business world never trust a company that is under 5  years old because their reputation is not yet developed.

Well Wealthy Affiliate has been around for over 14 years and the BBB has given this company an A+ rating, this company has worldwide recognition.

Remember it will cost you nothing to try, there is no contract to sign, no credit card information or any other financial information is asked for, you can try it build your website.and should you decide that affiliate marketing is not for you then you would have lost nothing,

My Final Thoughts

Affiliate marketing is one of the better ways in earning money no online it can be your income that will afford you to stop working the 9-5 grind and it also has the potential  of becoming a passive income earner for you

So it is something new and it seems overwhelming to you, anything new usually seem overwhelming but when you have a platform like Wealthy Affiliate and its community you will find you have a company that is up to date in all aspect of online marketing.and have as its goal to genuinely help people achieve success in business and in life.

On the Wealthy Affiliate network of over 1,000,000, there are people of every ethnic background and age, ages range from 18 to people in their 80’s and beyond

Being a successful marketer has the wonderful feeling of being in  control of your life, knowing you have created something that will bring you some security for you and your family that is an awesome feeling

Now I am not saying affiliate marketing is a business that you can set it and forget it, by no means it is not  a get rich quick idea it is going to take hard work perseverance, learning, studying, sacrifice and discipline, and at Wealthy Affiliate you will never be alone the entire community is there with you and for you willing to give you a helping hand whenever you need it.

So give it a try, you can join HERE FOR FREE or on any link in this post and I will be in touch with you and be your guide, so give it a try you have nothing to lose.

Thank you  for taking the time to read this post I really appreciate it, please remember to share, and should you have a question or comment please leave it 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).


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Will you be ever able to retire—with Owning your own business you will

Will You Be ever able To Retire?

Will You Be Ever Able To Retire?

The question a lot of us are asking ourselves is will be ever able to retire and the unfortunate answer doesn’t look good for us boomers

New data reveals that Baby Boomers are not financially able to cover financial emergencies. According to the Insured Retirement Institute and published on MSM  It states that approximately 70% of older workers have just $5,000 or less in immediate savings,

And that means not only will they be not able to cover any unforeseen emergencies but retirement seems to be out of the question.

The question of how are we going to survive needs to be asked and an answer found and proper steps taken to come up with some strategies before the day of retirement come.

(Start your own business here FREE)

With the increase of life expectancy, we are living 25-30 years without having an income or any hopes of earning one.

With the workforce getting younger and almost everything is being automated is becoming more difficult to find a job that can be done by an older adult

Retirement Savings

The Charles Schwab brokerage firm has published a retirement planning rule-of-thumb that takes clear notice of inflation’s effects. It suggests you will need $230,000 in retirement savings in today’s dollars to provide $1,000 in monthly income during retirement. For example, if you want to add $4,000 per month to your Social Security income, you would need $920,000 in retirement savings and investments in today’s dollars.

The problem with this planning is no one know what the inflation rate will be by the time you reach retirement age so I think it is impossible to predict just how much it will actually cost to retire.

Additional Income

A better addition to saving for retirement is to have a steady income flow to supplement whatever savings you may have. (FREE business startup)

This income flow could be other investments you may have or owning your own business. It doesn’t have to be anything that will cause you to be caught up in the everyday grind of the working world.

With the explosion of the internet, there are many ways to make a steady income online

There is for instance online marketing, this is a method by which you will advise merchants goods on your website and receive a commission whenever a purchase is made through any of the affiliate links in your post. ( start an affiliate business for free here)

You may know nothing about online marketing and maybe you are like I had no knowledge not only about online marketing but have no computer skills except entering data and not very fast either.

Wealthy Affiliate

I joined the Wealthy Affiliate platform (you can join for FREE) It is a platform that was built to accommodate everyone that has an interest in operating an online business.

It does not matter if you are new to online marketing or you are a successful marketer with years of experience there is a place for you at Wealthy Affiliate.

There are people who have been a member of Wealthy Affiliate for over 8 years, they are because they have built a successful business

Not A Pyramid Or MLM

This is not a pyramid or an MLM business where you have to get people to join and create a downstream whereby you get a commission based  on every person your requite brings into the company and on their sale,

I have a post from a young man who has been a member of Wealthy Affiliate since 2008 here is one of his blog about Wealthy Affiliate you can read what he has to say here.

As I said you can become a member for free, there is no expiration date to a free membership there is no contract with any of the membership

And if you upgrade to a premium membership you can stop an anytime and there is no penalty

The premium billings is broken down so you can decide what is best for you

I used the free membership to start my business then I went monthly at the time I joined there was no ½ yearly so I went yearly

This is something you can look into the here is a list of the information and tools that come with each membership

With a premium membership, there is also a weekly training live video class  Here is a sample of the live demos training

Amplifying Your Writing Efficiency

So you can see the value in going premium, but the decision is yours to make. Now I must tell you that affiliate marketing takes determination, good work ethics, and patience, success will not come overnight it will come.

The Wealthy Affiliate platform will guide you to success with step by step training, you go at your own pace there is no competition, and the lessons are always there so if you forget something as we humans are prone to do you can go back and look at the information.

Final Thoughts

Affiliate Marketing is not just for near retirees or retirees, I believe that affiliate marketing is for everybody, the stay at home mother who wants to spend valuable time with her family but needs that extra income to be able to make it happen,

The College graduate who has a large amount of student loan and it seems payments for that loan will never end, a young person who just want to have some extra cash to do some of the pleasures of life, like traveling, or taking a special vacation.

The affiliate business may not be a quick fix but once it is established you will be able to relax a little as these earnings can become a passive income earner.

Wealthy Affiliate is one of the better training  platforms you can read my review of Wealthy Affiliate HERE

You have nothing to lose in becoming a free member, you will go through phase 1 which is 10 lessons and at the end of these 10 lessons you will have a working website up, running ready for business

In joining Wealthy Affiliate you are not  committing to anything, you can become a member by clicking on any of the links in this post, and I will be there to welcome you to our awesome community, I will be your mentor and you will have an awesome group of people who are willing to assist you in any way we can.

Thank you for stopping by I really appreciate it, please like and share, and if you have  a question or a comment please leave 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).

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