Tag Archives: Retirement

How To Achieve Financial Security In Retirement

The average Social Security check paid out in 2018 was just $1,404, according to The Motley Fool.

That works out to just $16,848 per year… hardly enough to get by comfortably on these days.

And that’s before taxes!

It’s no secret that retiring in today’s economy is harder than ever for seniors. The costs of healthcare, housing, utilities, and even food have all skyrocketed. And unfortunately, the Cost Of Living Adjustment just isn’t cutting it for some seniors.

The economy always has and always will have its ups and downs. When the economy is stable it is time to start preparing for the turbulent time that will come.

By preparing adequately, cutting costs, and making sure you still have some income coming in, you can emerge out of a recession just as strong as you were before it.

Although one can never be completely prepared for a recession there are strategies that older Americans can use to prepare for a recession, and that will help them know what to do when it arrives.

There are several things you can do to help you financially through your retirement

Reduce expenses. There are many ways to cut expenses.

Cut discretionary spending. Buy nothing if you don’t need it to live. Resist sales pitches.

  • Transportation: Carpool as much as you can. Or look for ways to save money on gas.
  • Housing: Get a roommate or consider relocating to an area with a lower cost of living. Or think about Airbnb
  • Food: Stop going out to eat; instead, try to cook at home from scratch more often. Consider the benefits of the slow food movement.

Keep the money flowing in.

  • If you don’t have a job, find other ways to make money. Focus on cutting your expenses, think about starting your own online business.

Keep saving.

If you can, fit saving into your budget, You should make every effort to continue saving, in life, there are always unexpected expenses

Jobs in Retirement

How To Achieve Financial Security In Retirement
How To Achieve Financial Security In Retirement

So today I am encouraging those of us who are close to retirement and even if you are not,

I think the younger the better or maybe you have already retired and you are finding it a bit difficult to cope financially.  You can Achieve Financial Security In Retirement

You may just need some extra cash,  you should  look into making money online

There are a host of online jobs that can be a source of income for you.

You could drive Uber or Lyft or any other company that offers this kind of service,

Teaching is a good one, you could offer your services to teach or you could sell stuff online like crafts, clothes.

If you are one of those persons who can fix things you could be a handyman you would be able to set your own time and price

There are opportunities to make a decent income from either one of the jobs mentioned and there are a lot more.

How To Achieve Financial Security In Retirement

But I would like to take a look at something that is better able to serve you for a long time,

There is also a business that you will be able to make a passive income over time. And you can join for FREE

A business that after it is established you can earn without too much activity on your part. I am talking about online marketing.

What is online marketing?

Online marketing is a method used for promoting products and services through the internet.

With online marketing, you will be able to advertise your skills and services or your products you are selling,

You can also advertise for a company and collect a commission if anyone buys through your website by way of a blog.

So you may not know how to start a blog. Well  you don’t need any special knowledge, or technical skills or anything else to start your own money-making blog

You can become a member of the wealthy affiliate at no cost (for free) and you will be taught a step by step method to build your website,( the beginner training course)

Have a look at one of our training videos.

Phase 1How To create your Own website and create money

Creating keyword-rich content lesson3 phase1

You will be given 1 website for free, and web hosting will be provided for free

Also included is  Affiliate Bootcamp training phase 1 only, keyword research tools (30 free searches) 1on 1 coaching for the first 7 days

There is also a very helpful and eager community of over 1,000,000 ready to assist you a pay it forward attitude is encouraged

Wealthy Affiliate Online Marketing

Wealthy Affiliate is a BBB-rated company and has a rating of 98 /100 and it is a legitimate company.

NO SCAM and the beauty of this you can join for free you can look around at what is being offered.

Start building your website and doing the lessons and if it is something you think you would like then continue.

If you do not think it is for you that’s ok too you can quit and it will have cost you nothing

You will not be bombarded with a sales pitch on joining, you are not asked for a credit card number.

If you do decide to stay with us you will be encouraged to upgrade to a premium membership which offers you so much more

With a premium membership, you will get, here is a list of what the 2 membership offers

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  • You may ask if it is possible to continue with the free website and the answer to this is a yes

I would recommend that you upgrade to premium especially if you are new to this like I was, you will need the extra information and tools to succeed.

The premium membership is $49.00 per month it is well worth the price. you can also pay yearly and get a huge discount

Should You decide to upgrade during the first  7 days you will be given the opportunity to become a premium member for only $19.00 the first month

I suggest you grab this offer as it will enable you to look further into our premium package,

There is no commitment to anything, if you are not satisfied you can quit. it’s a win-win situation.

Conclusion

As a retiree myself I can tell you first hand of the task of living daily on a pension that cannot meet the needs.

I am fortunate that my children chip in and help me, it is not something that I wanted but thank God they did it

I am now a part of Wealthy Affiliate and even though this is not a get rich quick or make a lot of money overnight venture,

It is a business that can create a passive income in time.

It does take discipline and work but after your website is established and you have an audience you can make money without much effort because your website will continue working.

So I am encouraging you to take the step to ensure that your retirement is not filled with stress.

Join us at Wealthy Affiliate you have nothing to lose, remember you can become a member for free.

There is a community of very helpful  people  including myself ready to assist  you in any way we can

You join by clicking on any link in this post I will be there to show you around the platform and answer any questions you may have

I appreciate you taking the time to read this post hope you found it helpful   Remember to share this post. It would be 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).

Top Concerns For Retired Boomers (Take Control Of Your Retirement Finances.

 

 

concerns of retired boomers
Top Concerns of retired Boomers.

 

 

Top concerns for retiring boomers

Many baby boomers, born between the years 1946-1964, have the lowest rate of poverty among all age groups according to the Census Bureau.

This group was born during the years of post-war prosperity.  They were also the generation of fighters trying to survive and thrive.

The characteristics of the baby boomers tell us they are fighters, self-reliant. And hard-working

Continue reading Top Concerns For Retired Boomers (Take Control Of Your Retirement Finances.

Make Extra Money While On Social Security ( Find Out How )

Make money while on Social Security

It is suggested by Business Insider online magazine that there could be trouble up ahead for retirees.

It sets out three reasons why they think that serious trouble awaits the retirees.

They state :

  • Baby boomers are expected to live longer than previous generations — and it’s creating retirement challenges.
  • Living longer means boomers now either have to work longer to support themselves or have to worry about outliving their savings.
  • Working longer, however, is not an option for many.

Continue reading Make Extra Money While On Social Security ( Find Out How )

Avoid Affiliate Marketing Scams—-Financial Independence

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Scams to watch out for

There are some very frightening facts that faces those of us who is retired or who will be retired in the near future.

According to financial experts like the Stanford Center on Longevity (SCL).

workers approaching retirement will either need to work beyond age 65, reduce their standard of living or do some combination of the two.

And as these unfortunate    facts faces us the older generation and not only us but there are people among us who faces financial woes.

We tend to reach out for anything that appear will help us alleviate this problem.And this is the time when we are easily scammed by heartless and ruthless individuals.

Most of these scams take place online, there are so called online business that suppose to offer you the opportunity to to earn extra money that will alleviate  your financial problems .

I would like to take a look on some of these scams and hopefully give you a heads up in spotting the  red flag in these offers.

Fake Affiliate Marketing Training

Itis  very important before you join any training program to do a thorough research  of the program you can find a large number of companies offering courses, webinar, ebooks and other kinds of information

Many of these so called programs are offering no real valuable information. And You probably won’t learn anything that will enable you to make any money online this is just a rip off and you will lose your hard earned cash for nothing but hyped fluff

Get-Rich-Quick Offers

One of the most common scams is you can make a lot of money quickly and with little effort, This is definitely not so,and this is  the cause for people to think affiliate marketing is a scam.

I WANT TO MAKE MONEY ON-LINE

You will be asked to buy the course and it will be of no use to you and you will be out of som cash and the ones offering will get rich and you will not be able to get a refund.

Be careful of any company offering to train you in affiliating marketing but you have to join now because space is limited especially if they are asking you to pay to join that is most likely a  company that will rip you off and as I said before do your research.

Retirement Woes

I know all the reports are saying that having $290.000.00 + SS is not enough for retirees to live a comfortable life for the next 20 -30 years we are expected to live after retiring at age 65-70 and most of us have not saved anywhere near $290.000.00 ( I know I haven’t )  so we are looking to earn some extra money,

But in our quest to find a suitable way to provide income let us be careful in where we decide to invest our resources, I know for myself I desperately needed to find a source of income and I found myself scammed  so many times until I found Wealthy Affiliate.

Wealthy Affiliate Marketing

Wealthy Affiliate has been around for 14+years with a membership of over 1.4 million and our members are from 193 countries.

There is no cost to join Wealthy Affiliate and this free membership never expires, at Wealthy Affiliate all the information and tools that will enable you to build and maintain a successful online business is available.

With a free membership you will be able to choose your niche and if you need help in choosing one you will be helped to choose a direction from over 1,000,000 niche ideas

with the instruction given at Wealthy Affiliate you will be able to  build your own WordPress website in 30 seconds no designing skills needed.

Then you will write and publish your first post and buy your domain name, web hosting and website security + 30 keyword search by the Jaaxy tool is also included in the free package.

There are two membership options available the free which never expires and the premium. The information and tools that are available with the premium is a lot more, I have posted the list of what is available with the two options below.

start your own business
start your own business

Now you may be asking if you will be able to run a successful online business with the free membership. I would recommend you upgrade to premium especially if you are new I know I joined for free and after a couple of months I upgraded to premium, but you could try it and see.

Conclusion

There are a lot of scams around run by unscrupulous people who do not care who they hurt as long as they can relieve you of your hard earned cash, so be careful watch out for the red flags, if something seems too good to be true it usually is.

I have recommended Wealthy Affiliate to you, because I have found this company to be legitimate company it is a company that is up to date with today’s online marketing strategies and genuinely wants to help  people achieve success in business and in life.

We have a very active community that is very willing to help you achieve success in reaching your goals.

  START YOUR FREE AFFILIATE  MARKETING  TRAINING HERE.

I am in no way saying it will be easy, it won’t , it requires hard work, much effort and discipline. But we the community will be there to help you, and if you become a member by clicking on any of the links in this post I will be your mentor,

So I am encouraging you, take a look see, it’s free you have nothing to lose and a free membership never expires, looking forward to seeing you on the Wealthy Affiliate platform.

Thank you for reading this post I really appreciate it should you have a question or a comment please leave it in the space provided at the end of this post and I will respond ASAP and please share this post thank you.

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

Job Opportunities for Retirees— Make Money Online

opportunities for retirees to earn.
Job opportunities for retirees

Retirement Savings

Many people planning for retirement have this idea that if we save, invest, and plan, there is an endless list of things to do and a life of leisure that awaits us.

They believe that their time will be filled with an unlimited range of family activities, hobbies, and vacation destinations.

The thought of being rewarded with a life of leisure motivates many of us to save, plan, and eventually eagerly bring our careers to an end.

But, on entering retirement, we find a  story of working and then reaping reward is not what we thought it would be.

Continue reading Job Opportunities for Retirees— Make Money Online

Genuine Work From Home Opportunities—Make Money Online

Opportunities to start a work from home business
Genuine work from home opportunities

Retirement Planning

After working for a number of years we usually look forward to the time when we retire, having worked for 30 to 40 years we look with eager anticipation for a comfortable retirement.

But older workers are finding that it is very hard to retire at the age of 60-65  After four decades in an office or a factory because their savings have been wiped out or they do not have enough savings to live on during retirement.

It is advised that we need to be prepared to live 30 years without employment as the new life expectancy is 90 years.

Continue reading Genuine Work From Home Opportunities—Make Money Online

Earn Extra Retirement Income —-Make Money Online

Earn extra Retirement Income

Retirees Income

Many retirees and soon-to-be retirees are on a fixed income. They have to be very careful with their money, or they could be faced with outliving retirement savings and finding themselves in a serious financial situation.

The way to avoid running into trouble is to regularly do a personal audit to identify any unnecessary expenses or over-spending that may have crept up over time.

It is best to stick to your budget as much as possible because, as we know, lots of little expenses quickly add up and end up with us spending more than we intended.

Continue reading Earn Extra Retirement Income —-Make Money Online

Affiliate Marketing Is The Best Way to Earn Money Online

 Scams Targeting the Elderly

Affiliate Marketing the best way to earn money online
Best Ways to earn money online

A survey done by the Cooperative Credit Union Association has found that as millions of Americans retire over the next decade, financial crimes and abuse against the elderly are occurring at an ever-increasing alarming rate.

And as all Americans encounter scams with increasing regularity, studies show that few financial consumers are taking steps to improve their financial literacy in the digital age.

More than half of caretakers for the elderly have reported an elder being targeted with fraud; more than a quarter of elders have also fallen prey to at least one financial scam. and the problem is likely to get worse before it gets better

Continue reading Affiliate Marketing Is The Best Way to Earn Money Online