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What You Can Do If You Haven’t Saved Enough For Retirement

Not having enough money saved for retirement is a common fear, and when that’s the case, it likely means you won’t be able to retire when or how you want.

But all hope is preserved if you must catch up on your savings goals.

Once you’re in retirement​

Cash flow management becomes the main focus and challenge for people who exit the workforce with limited retirement savings.

If you rely on Social Security alone, you must be wise about how you spend your money.

It requires discipline and a willingness to be on top of your spending and budgeting.

Downsizing may also be an option if you’re struggling to pay your bills and put food on the table.

Many retirees want to age in their homes, but if the mortgage or property taxes or the cost of living in your region are too high, downsizing to a smaller home or cheaper location could ease some pressure.

Taking in a renter can also help. After all, housing tends to be one of the more significant monthly outlays. Any way to reduce that frees up more cash to live on.

Reverse Mortage

If you have equity in your home and are 62 or older, a reverse mortgage is another option, but first, make sure you understand how it works.

A reverse mortgage is a loan based on the equity in your home. The lender pays you a lump sum or monthly through a line of credit.

You only repay the loan once you sell the house, move or die.

The amount you have used is deducted from the proceeds of the sale. Anything left over goes to you or your heirs.

There are some downsides to a reverse mortgage that you need to consider.

The interest rate tends to be higher than on a traditional mortgage; there are fees, and you are responsible for the property taxes, homeowner’s insurance, and maintenance.

If you use all the equity in the home, there may be nothing left to leave to your loved ones. “Reverse mortgages are becoming much more attractive now since the HUD got involved in 2015 and changed the laws,” says D’agostini. “Tapping your home equity is viable if you have less than $10,000.

Retirees can also supplement their Social Security benefits by getting a part-time job. It can bring in extra cash and provide a way to get out of the house and socialize — things retirees need.

Many people find a second job they love that helps supplement Social Security and a lack of savings as they enter retirement.

Work From Home Jobs

There are many jobs a retiree can do from the comfort of their homes. Working from home and making money on the Internet is very common today.

Work-from-home jobs are suited for retirees who want or need to work but also want to enjoy their retirement, and they work when, where, and how they choose.

And part-time, remote jobs allow retirees to enjoy retirement while bringing in additional income.

Customer service reps

Customer service reps can work from home to answer calls and respond to emails.

Helping customers troubleshoot and answering questions are everyday tasks for this role, a typical remote job for retirees.

Remote data entry

Remote data entry jobs involve entering and updating data into a computer system. You’ll need some typing skills and may need to know how to use a 10-key number pad.

Editing jobs

Editing jobs can be a perfect role to do remotely. Editors will review content, whether online or in print, to make corrections related to grammar, style, punctuation, and clarity.

Legal Assistants

Legal assistants typically handle the administrative needs of a law office and respond to client communications by email, phone, and text.

An Online English Teacher 

An online English teacher will teach English classes to children in another country.

Classes are taught via video or an online learning platform.

Affiliate Marketing

Affiliate marketing is an advertising model in which a company compensates third-party publishers to generate traffic or leads to the company’s products and services.

The third-party publishers are affiliates, and the commission fee incentivizes them to find ways to promote the company.

Of all the many ways to make money online, I prefer affiliate marketing, Affiliate marketing might sound complicated, but it’s a straightforward, low-cost way to sell more products.

Affiliate Marketing Benefits for Creators

There are many benefits to being an affiliate marketer.


Affiliate marketing can be a flexible income stream for content creators. Marketers can make money when working and even when they are not.

Your work is complete once you place an affiliate link in your content. You can enjoy incoming commissions anytime, anywhere.

High ROI

Most Affiliate Programs are easy and free to join, and content creators do not have to spend even a single penny on starting affiliate marketing.

Content creators can strategize and utilize their following to bring conversions to the deals they promote. Every commission they make on a sale could be a profit.

Diversified Income

Different affiliate programs offer commissions at various stages of the buying process.

Affiliate marketing not only adds a dependable income stream to every content creator’s portfolio but also pays them in different ways, including Pay-per-Click and Pay-per-Sale.

Increased Exposure

Affiliate Marketing can help content creators tap into new audience pools through brand collaborations and sponsorships.

Creators can gain access to newer age groups and demographics and ultimately increase their following.

It increases significantly with Affiliate marketing tools as they allow us to automate some time-consuming processes and help us reach maximum users.

11. Leverage Expertise

Affiliate marketing can help content creators leverage their expertise by promoting products and services they know about.

Content creators can share their knowledge and expertise with potential customers by becoming an affiliate.

 No Qualification Required

Content creators do not need any minimum qualification to become affiliate marketers, which means they can easily add a revenue stream to their list without any added expenses or barriers to entry.

Marketers can capitalize on existing and new viewers on their pages.

 Better Credibility

Affiliating with trustworthy brands and promoting good products is a great way to achieve mutual benefit.

Content creators gain massive credibility when their audience finds good products through them.

Creators must always look out to take frequent customer feedback to understand their experience and shall only promote high-quality, original products and services.

Who Can Be An Affiliate Marketer

There are no standard education requirements to become an affiliate marketer but to be successful. I suggest receiving training in the ins and outs of affiliate marketing.

Many platforms offer affiliate marketing training, and I recommend the forum I am a part of, Wealthy Affiliate.

Wealthy Affiliate

You do not have to be an expert in the technicalities of using the Internet. Still, you need to have an internet connection and are familiar with typing, and if you have ever used social media, you are ready.

Wealthy Affiliate teaches you how to pick your niche, build your website, and add necessary tools.

To manage your websites, like Google Analytics, Yahoo, and Bing, how to choose your keywords so you are given a lesson in using SEO (Search engine optimization),

Using Seo in your content allows Google and the other search engine to find your content, index them, and drive an audience to your website with social media.

The great thing about the membership of Wealthy Affiliate is you can become a member for free (At no Cost). And no expiration date on how long you can remain a free member.

Of course, as a free member, you would get less than a premium member; I recommend upgrading to a premium membership after you have looked around and gotten familiar with the platform. Especially if you are a newbie like I was.

Web hosting is free at Wealthy Affiliate. Other websites charge $49.00 per month for web hosting; as a free member, one free webpage: there are designs for your website to choose from, included at no cost.

 What Does Wealthy Affiliate Provide?

Building your website at Wealthy Affiliate takes less than 30 seconds, and you will be ready for business.

The premium membership is where you get access to absolutely everything. If you’re serious about building an online business,

The lessons provided are in-depth for the Online  Entrepreneur Certification Class; there are 5 phases. Each phase has ten lessons. The Wealthy Affiliate Boot Camp class has seven steps, and each stage contains ten lessons.

There is also help 24/7; we have a community with a pay-it-forward attitude, and there is always someone to help. The site support staff are just incredible; there are always ready to assist you.


I am not saying you will be earning right away with no effort; I am saying that with effort, work, and determination, you can have a business that will allow you to make money; you determine the amount.

There are members here that are earning $6.000.00+. As a premium member, you have access to ten websites and the opportunity to have different business websites; some members here are so busy they have to hire writers to help them.

At Wealthy Affiliate, our extraordinary community members will share their knowledge and skill to help you achieve your goals.


I have found all  I need to start and maintain my online business here at Wealthy Affiliate, and I know you will find it, so if you decide to join us, you can also become a member of this great community for free risk to you.

You will not ask for personal information besides your name and email address. So if you want to start your online business, please join us, look around, and build your website. Should you not like us, there is no obligation; you have nothing to lose, no one will call you or bother you in any way,

Looking forward to seeing you in our community

If you have any questions or thoughts regarding the best way to make money with affiliate marketing or anything else, please do not hesitate to leave me a comment below.

The Reward XP A GPT Site For Gamers/ Legit Or Scam

Reward XP  A GPT Site For Gamers/ Legit Or Scam
Reward XP A GPT Site For Gamers/ Legit Or Scam

There are thousands of sites online, and each promises to reward you for participating in a program offered.

But does this site deliver on that promise?

This review is based on the information and testimonials available online in the public domain.

You can also check out the step-by-step training to help you start your online business.

What Is Reward XP?

Reward XP is a GPT site that will pay you for completing their offers. It’s a relatively new GPT

the site started in 2018.

It’s different from most GPTs; its main focus is gaming. But there are earning opportunities even if you are not a gamer.

As with most GPT sites, there are several earning opportunities; let’s look at them.

Continue reading The Reward XP A GPT Site For Gamers/ Legit Or Scam

GrabPoints Survey Review Legit Or Scam?

GrabPoints Survey Review Legit or Scam?

For those looking for a way of making money online, I am looking at yet another GPT (Get Paid To ) website “Grab Points” Is this site the highest-paid GPT site as it claims? Let’s have a look.

What is Grab Points GPT?

GrabPoints is a get-paid-to website that has been around since around 2014, this is a  relatively new site,

This site is owned and operated by Reward Holdings Limited, located in Hong Kong at the following address: Room 1203, 12th Floor, Tower 3;  China Hong Kong City; 33 Canton Road; Tsim Sha Tsui, Kowloo.


How Do You Earn On Grab Points?

This site offer opportunity to earn some cash

  • Paid surveys
  •  Offer walls –
  • Watching videos.
  • Completing offers –
  • Referring friends

Paid Survey

The best and most consistent way to make money is with online surveys. GrabPoints connects with many of the same survey networks that other survey sites do.

Take surveys through survey routers and get credit for every successful completion. At any given time, there may be a few dozen router opportunities.

 Offer walls

Participate in offer walls where you can complete micro-tasks, offers, surveys, etc. through particular providers, for points.

There are two categories for the offers that GrabPoints asks you to complete: Free Offers and Paid Offers.

The Free Offers require you to sign up for something that’s free, like signing up for another GPT site.

These pay less than their paid counterparts and can range anywhere between 500 and 2000 points.

The Paid Offers will offer requires that you buy into something or sign up for a free product trial which will require your credit card info.

The pay for these paid offers ranges anywhere between 2000 and 10000 points.

Watching Videos

GrabPoints provides you with a daily list of videos that you’ll be able to watch. These are mostly 2 to 3 minutes long. The pay for watching videos is around 10 points,

GrabPoints App

Grabpoints is available on iOs and Android, so you can complete offers and participate in surveys straight from your phone.

Promo code bonuses

Get free points by entering promo codes into the Promo Codes box in your account. These codes are posted on social media, or within the Grabpoints app itself. All you have to do is claim them in order to be credited with points.


  • Referrals must reach 1000 points in order for the member to receive points. The number of points the referrer receives is based on the country of the referral. To see the number of points a referrer would receive a base, please visit https://members.grabpoints.com/#/raf/earning-chart.
  • The member has the ability to earn between 25-250 points for each referral that reaches 1000 points.
  • Creating accounts under the members’ referral code in an attempt to earn points will result in an immediate suspension along with the revoking of points.
These countries are separated into three groups.
  1. Tier 1 (500 points) – US, CA, GB, AU
  2. Tier 2 (300 points) – NL, SE, DK, NO, CH, FR, HK, IE, NZ, JP, SG, ES
  3. Tier 3 (100 points) –  All other

Every 1,000 points you earn are worth $1. You can redeem your rewards points for gift cards or cash. Point redemptions start at 3,000 points, which are worth $3.

Tired of Earning Little Money Online? Start a Step-By-Step Training for a Full-Time Income Today! (For FREE)

Is GrabPoints Legit?

GrabPoints is a legitimate rewards site that really pays its members and definitely one of the better rewards sites out there and it’s free to become a member.

Pros of Grab Points

  • Free to join
  • Easy to earn points
  • Can earn from your smartphone
  • Low earning Threshold at $3
  • Available worldwide
  • Offers multiple earning opportunities
  • Offers both cash and gift cards
  • The Android app makes it pretty easy to earn on the go


The earning potential is very low about $3 per hr.

The paid offers can be tricky be sure you understand the agreements before signing up.

My Thoughts

Survey sites like Grabpoints are not where you can make a living, but there are many ways where you can make a decent living online and my favorite is affiliate marketing/ online marketing.

Why I favor Affiliate Marketing

I like affiliate marking because of its simplicity

  • No huge startup costs!
  • No selling face to face!
  • No stock to keep or manage!
  • No recruitment involved!
  • No taking of endless surveys!
  • No huge investment involved – (Get started for free)
  • And no working for someone else!
  • You can operate in any market you wish! – even your hobbies & passions!
  • Earn a full-time income & more!. No limit to your earning potential!

You may be thinking I don’t know anything about affiliate marketing, or what is affiliate marketing.

 What Is Affiliate Marketing?

Affiliate marketing is an advertising model in which a company compensates third-party publishers to generate traffic or leads to the company’s products and services. The third-party publishers are affiliates, and the commission fee incentivizes them to find ways to promote the company

And you can learn about affiliate marketing in 10 lessons for free, the good thing is at the end of these free lessons you will have your business site up and running.


You can then decide if you would like to continue and all this is free. The lessons are present via video and you can go at your own pace.

Affiliate Marketing is for anyone, It is not as easy as answering surveys, it takes some work, time, and patience.

So if you are:

Stay at home moms or dads

  • The disabled
  • Anyone that needs to earn some extra money
  • People that don’t like their current jobs
  • People who want to earn money from their hobbies or passions
  • Bloggers who want to earn some money from their blogs
  • Students either while studying or after graduating
  • The unemployed
  • Retired people who want to earn to supplement their pensions
  • People who want to learn how to build a WordPress website
  • Local business owners who want to start a website or improve their online presence

And more, you can be an affiliate marketer, and remember you can start for free on one of the best training platforms,

I appreciate your time, and look forward to your comments and questions please remember to 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)

Use2Earn  Can you really make $500 a day Is this claim a hype

Start your own business

Use2Earn  Can you really make $500 a day Is this claim a hype
Use2Earn  Can you make $500 a day? Is this claim a hype

Use2Earn Review

In this review, I will be looking into the site use2ean, and this site claims that you can make $500 today.

Can you make $500 in a day? Is this claim just a hype to get your attention, or is this a legitimate claim, let us take a closer look

Continue reading Use2Earn  Can you really make $500 a day Is this claim a hype

The Ugly Facts About Retirement Start Earning Extra Online

Approach to take
The ugly facts about Retirement

The Ugly Facts About Retirement

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

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

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

Continue reading The Ugly Facts About Retirement Start Earning Extra Online