Tag Archives: start your own business

The Ugly Facts About Retirement–Take The Necessary Steps

Approach to take
The ugly facts about retirement

The Ugly Facts about retirement

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

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

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

Employer matches require work

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

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

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

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

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

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

What approach should you take

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

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

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

Retirement age maybe higher than you think

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

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

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

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

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

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

You can visit the SSA website at https://www.ssa.gov/myaccount/

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

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

keyword research
Understanding Keyword Research June 2018

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

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


Wealthy Affiliate is the real deal, this is no scam, there are many who have been successful here is a blog from one of them https://my.wealthyaffiliate.com/benjisdad/blog/i-am-officially-unemployed/a_aid/5373fe86 one of the

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

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

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

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


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

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

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

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


Please follow and like us:

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 line.com, 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  https://en.wikipedia.org/wiki/Special:Search?search=what+s+affiliate+marketing&go=Go&ns0;=

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).

Please follow and like us:

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 their.vision 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).

Please follow and like us:

The Baby Boomers Retirement Crisis—Financial Freedom

Start your own business
The baby boomers retirement crisis

Retirement Crisis

Are you in retirement crisis? Are you ready to retire but find yourself woefully short in savings and income to live a comfortable lifestyle for the rest of your life?

Not only do boomers in today’s world  have to think about their own retirement plans,

But in most cases, they also have to care for their elderly parents which can have added emotional cost and financial cost adding to their crisis situation.

This is why  boomers not only  need to make plans for their parents, but  they

will also need to figure out who will be taking care of them as they get older.

This might involve figuring out plans with their children, or saving enough money for medical bills or even a nurse or having a plan B.

Older boomers are now in their early 70s today, and for a lot, current health issues are a big problem, dealing with them and the medical expenses are also adding to their problems.

Some older boomers are staying in the workforce as long as possible working around the problem of not having enough savings by staying employed into their mid to late 70s at least in part-time positions.

But working longer is not a realistic option for everyone especially if it is a physically demanding job, and learning a new skill could be a difficult challenge.

For those who find themselves in this situation and those who are looking for a plan B, I would like it to introduce to you a work from home solution. Affiliate Marketing.

I am one of those older boomers, in my early 70s I was forced to retire 4 years ago due to injury.

I looked for a way to increase my income, was scammed more times than I care to mention

then I finally found affiliate marketing through the Wealthy Affiliate platform.

What Is Affiliate Marketing 

Affiliate Marketing is the process of receiving a commission by promoting merchants like Amazon Walmart etc. products.

I have found that this is one of the best ways to earn money online. This marketing is based on your performance, which means you only get paid when your promotional efforts actually result in a sale.

Affiliate marketing gives the opportunity to effectively sell stock without having any cost or responsibility of manufacturing, buying or storing or handling returns. This is no HASSLE business.

This is perfect for anyone, who may be new to online marketing, or  have a small budget, or those people who don’t have their own products

People like retirees, stay at home parent, or anyone who needs to earn extra cash to supplement their income.

However, affiliate marketing is not only the way to earn money online but it is one of the best ways. By having a good affiliate program, you will be able to make a livable income which can become a passive income as some of your commission will be residual.

Wealthy Affiliate 

I am recommending Wealthy Affiliate to you this platform is the best for starting your online business and you can become a member for free.

I was a bit clueless when it came to not only online marketing but to all the technical functions that are needed to build and maintain a website.

But with the easy to understand instructions videos and the community of eager to help members I have 2 websites up and running.

Wealthy Affiliate is designed for every level of online marketers whether you are new and have no former knowledge, or have a little knowledge of online marketing or you are a super affiliate.

Wealthy Affiliate has been around for 14 years with a membership of over 1,400,000 from 193 countries,

At Wealthy Affiliate everything that is needed for you to be successful is available to you there is no need to purchase anything outside the platform.

You will be able to build a beautiful revenue ready WordPress website in 30 seconds complete with   State of the art, ultra powerful and secure hosting will allow you to grow your business.

To be a successful online marketer you will need to have an audience to visit your website where you will have links to your merchant website which will enable members of your audience to make purchases

At Wealthy Affiliate, you will learn all about the most current traffic techniques and how you can get the relevant customers to your website.

As I stated before you can become a free member and a free membership never expires, with a free membership you will be the basic information.can you build a successful business with a free membership? I think you could if you have experience

But for someone who is completely new to online marketing, I would suggest you upgrade to a premium membership.

I became a free member and after a couple of months I upgraded to premium, you could become a free member build your website, write and publish your first post, see if you like it and if it not what you want you can quit and you would have lost nothing.

By the way, your free membership would be still there so if you have a change of heart you can take up where you left off.

I will be your mentor if you sign up through a link from this post I will be there to answer your questions and along with a helpful and eager to help the community be there to assist you in any way we can.

I have posted the products offered with each membership package

As you can see there is a big difference in the information and tools available in the premium membership.

Premium Payment

The payment for the premium is broken down for your convenience as you see there are

several billing plans


In Conclusion

It doesn’t matter who you are It would be wise to take action now to supplement your income now and not wait until a crisis develops, I am so sorry I did not find Wealthy Affiliate until 2018.

I am not telling you that affiliate marketing is a walk over it is not It takes a lot of time and effort as someone said Success is no accident, it is hard work, perseverance, learning, studying, sacrifice and most of all a love for what you are doing.

You need to prepare yourself that you are working towards a long term goal and not just for quick, easy money.

The time aspect is the most difficult as an affiliate. Many people expect too much too fast and get disappointed.

Remember you can join for free there are other companies charging you to join and you would still have to go elsewhere to purchase web hosting.

I do hope I see you at Wealthy Affiliate where we will work together to build a successful business.

Thank you so much for reading this post I hope you found it helpful and


if you do have a question or a comment please leave it in the space provided below this post and please REMEMBER to 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).

Please follow and like us: