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Turning Retirement into a Profitable Pursuit

The subject of retirement is a valuable niche in itself; hence the blog you are reading right now.

Indeed, if you were to type ‘retirement’ into the Amazon.com search engine you’d come up with 48,515 titles on the topic - while sister site Amazon.co.uk displays a less dramatic total of 3014.

Does that indicate overkill or worse still usurpation?

Not a bit of it. Like the London buses there will be another one (retiree) along in a minute and according to the UK 2001 Census there are now for the first time ever more people over 60 than there are children.

Could you make money out of the new concept of retirement?

Perhaps you could if you put your mind to it…

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There’s Life after Work and Hope in Abundance

There’s life after work and hope in abundance, so take each day as it comes and never attempt tomorrow’s tasks today. Keep active and the ill-advised assertion that retirees ‘eat half the day and sleep the other half’ won’t ever describe you.

Above all, look after yourself but be prepared for the odd shock...

Just lately the joints in my fingers are starting to seize up one by one with the outset of arthritis so I don’t know how long I’ll be able to tap the keys as freely as I do now. C’est la vie.

Maybe I could locate an online course on toe typing for digitally challenged retirees :-) ….

http://retirement-moneymakers.com

Capitalizing on Inner Strengths to Enrich Your Retirement

You’ve been around for some time, picked up some valuable skills, and developed inner strengths; all of which you will now put to good use to ensure a happy, successful and fulfilling retirement.

Among these inner strengths is one that is heightened by advancing years: the ability to harness mind power.

Human mind power is awesome.

We all live in a mind world and how each of us conceives in the mind’s eye what’s happening in our world actually makes it so.

You won’t jump to conclusions nearly as readily as you might once have done if you discipline yourself to always use mind power effectively by the continuous application of positive thought and action.

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Ageing Gracefully

The ways in which we currently conceive age have been programmed into us, and we have accepted this concept as a reality. As a society (with some exceptions) we have come to believe that we all will get old, sick, senile, frail, and die - in that order.

This does not have to be the truth for us any longer. As we refuse to accept these old fears and beliefs, this can become a time for us to begin to reverse the negative parts of the aging process.

The current crop of baby boomers is not going to sit back and age like their parents did.
We will live longer, and if we take charge of our health, we will live exciting, productive lives.

The third age of the lifespan can be even more wonderful than the first two - we can make these years exciting if we have a mind to. If we want to age successfully, then we must make a conscious choice to do so.

Healthy aging is learning how to keep the life force strong within us. We can do this with self-love, and with good food and exercise.

Staying healthy into our later years is an act of loving ourselves.

 We can make deliberate choices to care for who we are.

 We can study books on nutrition in order to learn to fuel our bodies with the most nutritious foods possible.

 We can explore some form of exercise to keep our bones strong and our bodies flexible.

 We can listen to tapes, or take classes that teach us how to use our minds.

 We can learn how to think in ways that support a peaceful, loving, healthy life.

http://retirement-moneymakers.com

Milking Book Ideas For All They’re Worth

My latest book “How to Earn Money in Retirement” (How To Books ISBN 1845281128) has just been published and hits the bookstores in early May 2006.

As I was writing the mss about nine months ago it occurred to me that there might be another book lurking right there in the text. Accordingly I took notes; mentally deleting a chapter here and adding a few more there, expanding on a topic, sketching out another, and so on.

As a result of this dual tasking I started writing a new book immediately after finishing the project in hand and decided to submit a proposal sooner rather than later.

Next up I received an email from one Nick Hutchins, the freelance reader reviewing the text for “How to Earn Money in Retirement”. Nick’s message simply read, ‘Do you realize you have another book here?’ To which I equally succinctly responded, ‘Yes, I know, and I’ve just submitted a proposal’.

Now it just so happened that Nick had a meeting scheduled with the publishing house a few days hence at which he raised the subject of two books in one.

In the mail today I received a contract for the second book, “How to Grow Your Small Business Rapidly Online” with a publication date of April 2007.

The point to this dissertation is: always be on lookout for additional niche markets for the book you are currently writing and milk your idea for all it’s worth.

The first book is aimed at active retirees and the second at go-ahead small business owners in all categories. I might dig deeper to ascertain whether other niche opportunities lie dormant in the original text.

The majority of niche non-fiction topics are capable of this sort of clinical analysis and it is worth pursuing because if you get a proposal accepted for one specific niche, you will more often than not get another proposal similarly accepted if your subject matter is in similar vein.

If you’d like to learn more on how to milk your books for all they’re worth, visit this website...

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How to Match a Retirement Hobby to Your Personality

1. Would I really enjoy this hobby?
2. Can I afford it?
3. Am I physically able to become involved?
4. Would I have enough room at home to accommodate it?
5. Can I become involved as an individual?
6. Does it afford opportunities to work with others?
7. Do I really have time for it?
8. Could I develop the necessary aptitude, skill, or talent required?

Assessing the enjoyment factor

To settle for a retirement hobby that does no more than fill in time is less than satisfactory. It must provide you with some benefit, some joy, some enrichment that will add colour to your third age adventure. Use this as the benchmark when reviewing potential hobbies.

http://retirement-moneymakers.com

Why Would You Want to Go Shopping Online?

Cast your mind back thirty years or so to the advent of out-of-town prototypes of today’s consumer electronic discount hypermarkets.

In the main they were cold uninviting sheds stuffed with cardboard boxes containing branded merchandise. Before you would consider making a purchase at one of these barren outlets you would invariably visit your local high street electricity showroom to compare prices and (equally important) obtain the vital product knowledge that was rarely forthcoming at the discounters.

Then, if price was the prime consideration, you would hand over your cash at one of the sheds and collect your box at the counter.

Online window shopping is the modern equivalent of this scenario except it eliminates trolling around stores and presents you with a double whammy.

It’s all there on tap, price comparisons and specifications from all the major chains, enabling you to make a value judgement as to whether you buy online or offline – and online is a temptation because of the pounds clipped off to boost web sales.

http://retirement-moneymakers.com

Writing Up Your Experiences as a Memento for Your Grandchildren

If (like me) you don’t get to see your grandchildren very often because they live far away, you might want to set down your experiences as a memento for them in the shape of a self published book: who you are, what you are, and why you are who you are and what you are. I’ve got this on my list of things to do with a notional title of Grandpa’s Story.

Here are two helpful tips should this approach appeal to you.

1. Use your trusty online detective www.google.com – type in as a keyword phrase ‘writing my life story’ – and watch what happens. You will be directed to thousands of creditable sources for professional advice on blocking, constructing and writing up your material. Alternatively, refer to Writing Your Life Story by Michael Oke (How To Books).

2. Purchase a copy of Publishing Books Using Your PC by Peter Domanski & Philip Irvine. You won’t find this invaluable tome at your local bookstore. Instead, send a cheque or postal order for £12.99 to Domanski-Irvine Book Company, Coldwell Farm, Stretfordbury, Leominister, Herefordshire HR6 0QL – or email them at info@dibookco.u-net.com

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What to Consider When Choosing a Trading Name for Your Retirement Enterprise

This is a crucial exercise you will need to address as soon as possible. It can make or break any business, offline or online.

List as many ideas as you can before deciding on the name your enterprise is to trade under. Getting it right from the start is essential – you don’t want to have to change it after a few months.

The secret is to adopt the KISS approach (Keep it Simple Simon/Sarah) and there are a few house rules to become familiar with before proceeding further. In essence, the ideal trading name should meet these five requirements:

1. No more than seven letters in the composition of the core word in the title, preferably five.

2. No more than three syllables in the pronunciation of the core word, preferably two.

3. The name must look and sound right.

4. It must fit the purpose of the enterprise.

5. It must be legally acceptable.

Using your own name is quite all right and it makes sense if you are setting up as a consultant of one type or another.

But keep it simple. Not ‘Humphrey D. Lestocque Insurance Services’, but rather ‘Lestocque Insurance’, for example, using the core words to best effect.

There is a lot in a name: get it right from the start.

http://retirement-moneymakers.com

How to Promote Retirement Money-Makers to Ensure a Profitable Return for Your Efforts

You have arrived at the halfway stage in the formulation of your retirement money-maker plan; you will have examined a myriad of opportunities, offline and online, and hopefully like me arrived at the conclusion that online is the faster, easier, less stressful route to take.

You also know that attempting to sell everything to everyone is a complete waste of time and that niche is the only way to go. Now you must learn how to promote your produce online because without mastering the essential elements, your profitable retirement pursuit will rapidly develop into a pointless pursuit.

It will be like slavering for hours on end over an exotic menu for the world’s most expansive and imaginative banquet but forgoing the delights because you haven’t taken the trouble to learn how to place an order.

http://retirement-moneymakers.com/

Become a Master of the Unexpected

You can use the unexpected to good effect in creating passive income to bolster your pension and savings in retirement.

Ideas that are offbeat and at odds with the norm are often the very ones that stimulate interest and produce results.

They convert easily into products that work as online income generators for pro-active retirees.

http://retirement-moneymakers.com

Keeping the Mind in Good Order as We Grow Older

We spend so much of our time on the same level of consciousness that we tend to forget there are other echelons of awareness of equal if not greater significance. This is normal; it is the natural order of things in the working years. The conscious mind determines the choices of action we take in dealing with everyday pressures, guides us in one direction or another, and evokes decisions to preserve basic security.

But when we retire from the traditional workplace these demands on deliberate thought tend to diminish in intensity as a rule, and unless we make fresh provision for keeping the mind in good order as we grow older, apathy sets in, memory fades, brain power drains, and the wheels of the mental engine room grind more slowly with each day that passes.

And so it follows that because we live in a mind world, to take care of ourselves we must take care of all aspects of the mind if we are to be all we can be in the third age.

http://retirement-moneymakers.com

Participating in Volunteer Work

Volunteering your services isn’t something you should rush into impetuously without due consideration for its implications. Before making contact with any volunteer organisation think about what you want to know from them and what they are likely to ask you.

 How much time can you give?
 At what time of day?
 Will you be fully committed?
 What do you want to gain from volunteering: meeting people or gaining new expertise?
 What existing skills or experience can you offer?
 Will you get out-of-pocket expenses recompensed?
 Does the organisation insure its volunteers?
 Are you receiving any form of state benefit? (You will need to check that your volunteering won't put this at risk).

http://retirement-moneymakers.com

Rolling Out Opportunities from Other People's Ideas

It isn't the billions of ideas that pop up in the minds of humans around the globe that make money. Very few of them are worth the time it took to generate the thought itself.

Most ideas are fleeting sparks that go no place and are soon forgotten. Of the ideas that are good, very few are followed up and become worthwhile developments in the marketplace.

Most people are just not oriented to do anything while others believe it would take too much of their time and money to follow through to completion. This leaves the market place wide open for retirees who learn how to roll out opportunities from other people’s ideas.

There are three major formats you can use:

1. Find something that already exists, the presence of which isn’t common knowledge;

2. Invent something. Most inventions are merely new arrangements of things that have already been created;

3. Alter or improve in any number of different ways something that already exists.
As you create ideas, write them down. What you dream up can be your key to a profitable retirement pursuit. Keep your mind open as you go through each day.

What did you notice in the department store that would reduce costs, save money or increase sales if some simple procedure were added or something changed?

Ideas for improvements are among the most valuable things you can contribute to society and at the same time add to your bank account. To create ideas for improvements, consider every possibility and alternative for the thing you want to improve.

Learn to create ideas by evaluating all the different aspects of the product, methodology or concept you are interested in. Put your imagination and subconscious to work and write down your thoughts pertaining to each of the things you expect to improve. Use this wealth idea format as your guide for creating money-making improvements.

http://retirement-moneymakers.com

Why Many Retirees Opt to Start a Business for Fun or Profit

To decide to become a third age entrepreneur is not only a rewarding and self-fulfilling experience it is also tremendous fun – whether you do it for pleasure or for profit. Maybe in the past you thought about starting your own business but wavered because the risks were too great, the timing not right, the economy too bad.

This time it’s different because your existence won’t depend on success or failure; this time if you go ahead you will be treating it as an exercise to add flavour and variety to your retirement.

The purpose of this chapter is to help you determine whether you have what it takes to belatedly strike out on your own and stamp your personality on an enterprise of your very own making. What makes a successful entrepreneur? Having a great idea, being highly creative, having lots of enthusiasm for sure, but are entrepreneurs born or made?

If you believe the old saying ‘genius is 1 per cent inspiration and 99 per cent perspiration’ you will know that most success is down to hard work.

So how do you channel your ideas, creativity and energy into building your own business in retirement without bursting a blood vessel? Read on…

(Extracted from my bestselling book Your Retirement Masterplan)

http://retirement-moneymakers.com

Why Keeping Your Hand in Part Time can Prove Beneficial

It is perfectly understandable that many of us experience a numbing void when we retire from day to day involvement in the career that occupied the bulk of our time and it can prove doubly unnerving when there is no plan for replacement in position.

Don’t let this happen to you

Adding to your education won’t keep you fully occupied, so to ensure a happy, successful and fulfilling retirement you would do well to consider stretching your abilities further in one or more of the options featured in this and successive chapters.

Let’s kick off with some questions you might want to ask yourself about becoming involved in part time employment.

 Would I be fit for it?
 Would it help to fill a gap in my new lifestyle?
 Would it affect my state retirement pension?
 What about deductions like national insurance?
 Do I need the extra cash it would bring in?
 Alternatively, should I put the income towards an investment, a purchase?
 Would I go back to what I worked at before?
 Should I look at something entirely different?
 Do I possess special skills I’ve never tested out in the workplace?
 Where would I look for opportunities?

http://retirement-moneymakers.com

Highlighting the Advantages of Starting a Business in Retirement

25-year olds starting a business face different challenges to 50/60-something year olds. It is not the same and there are distinct advantages open to relatively older embryo entrepreneurs.

Prosperity and affluence

Retirement and the advancing years frequently indicate that the children of the family are all grown up and through with education; the mortgage has been paid off; discretionary funds are at a higher level than ever before – and all in all, financial outgoings have considerably eased off. Economists reckon that the current crop of retiring baby boomers are economically more secure and enjoy higher income levels than past generations. Not so for every retiree but for some. If you are one of the lucky ones, then engaging in entrepreneurship may be your best option, but even if you have neither prosperity nor affluence to fall back on, the route is still open as you will discover as you course through the pages of this book.

Minimal financial risks

Older people are not as impatient or impetuous as the younger generation. With ample time on their hands, senior citizens can take as long as required to assess ideas, scrutinise the commercial concept, analyse market opportunities, develop saleable produce, test novel market services, and prepare a feasible plan of enactment. They may even introduce business contacts from the past into the venture to add complementary expertise. As a result, they can significantly minimise financial risks.

Wealth of experience

One of the core benefits of participating in active retirement is the ability to draw freely on accumulated experience, and so it makes good sense to create an enterprise in an area related in some respect to your previous occupation. If you served in the Armed Forces you might consider setting up a venture as a supplier of military equipment and/or services under the auspices of a licence provided by the Ministry of Defence. If like me you worked at the sharp end of the marketing services industry you could write a how-to book based on your expertise or produce a series of instructional e-books to sell online. In point of fact, no matter what you did for a living there are openings available to you in retirement for profitable activity in a field connected with your aggregated know-how.

http://retirement-moneymakers.com/

What Can You Do with a Website in Retirement?

Just a few years ago if you were not acquainted with HTML (HyperText Markup Language) you would have struggled to build a web site. Not so nowadays with the advent of point-and-click electronic tools. They make web site creation as simple as building a structure with Lego blocks.

So what could you do with your own site?

You could treat it as a project to…

Chart your own and the family’s achievements

Chart your ancestry

Start a business in retirement (Chapter 7)

Impart your accumulated knowledge to others (Chapter 9)

Use it as a hobby interest (Chapter 10)

Why not give it a go using a free service such as www.freeservers.com to begin with?

Once you get a taste you might want to move on to creating a second, third or even fourth site like the 78 year-old webmaster featured in Chapter 10.

(Extracted from my book Your Retirement Masterplan)

http://retirement-moneymakers.com

Identifying the General Keys to Fulfilment in Retirement

1. Practice living on your estimated retirement income after business expenses.

2. Start developing some of the retirement activities you think will interest you. There are contacts to make and research to undertake whether you have in mind volunteer work, further education, a second career, or starting a business.

3. If you plan to move, learn everything you can about your prospective new home patch. It’s not likely that you will be able to move repeatedly, nor would you want to, so spend time if you can in the new neighbourhood. Talk to people who live there; keep looking for disadvantages. You already know the advantages because they are what attracted you in the first place.

4. Strengthen relationships outside the working environment – with family, friends, and neighbours.

5. Check how long it takes you to perform various activities around the house or garden; chores that you look forward to doing in retirement. You may think there are enough everyday jobs to keep you busy forever, but you’ll probably zip right through them in a few weeks and then have to start looking for something else to keep you fully occupied.

6. As important as working out a viable financial future is the planning you and your spouse/partner can do in anticipation of your retirement. Couples who have lived together in the evenings, on weekends, and during vacations for virtually all their married lives don’t necessarily find it easy, especially at first, to be together all day, every day. You and your significant other might want to talk together about seemingly minor potential irritants.

http://retirement-moneymakers.com

Isn't Surfing the Web Just for kids?

Not so, according to official research findings. A recent Forrester Survey (the internet’s research arm) reveals that 32.72% of all regular web users are over 60 years of age.

This startling statistic can be evidenced by visiting any public library online section where there is always a goodly sprinkling of grey hairs among the students cramming and kids hammering the game consoles.

Third age people are swarming in droves to the internet and they use it for entertainment, education and enlightenment. Couldn’t you benefit from joining your peers and surfing the web to open up new vistas?

ISN’T IT A BIT LATE TO BE DABBLING WITH EMAIL?

It’s never too late to get up to date and coming to terms with email is almost a priority nowadays. Email is the fast, easy, modern way to keep in touch with friends, children, grandchildren and for some of us, great-grandchildren.

It’s simple to operate, saves on time and need not ever cost you a penny. There are dozens (if not hundreds) of free online providers where you can subscribe, obtain your own email address, and access tuition if required.

My personal favourite is www.hotmail.com because of its range of ancillary services, most of which are especially useful for active retirees.

http://retirement-moneymakers.com

Steps and Stairs to Goal Setting in Retirement

In addition to opportunity and challenge, retirement for most of us also means freedom and an era in which to follow our chosen pursuits. It is probably the first time in our lives when we control our daily, weekly, monthly and yearly timetable and, most importantly, we get to choose the content.

The Monday to Friday grind is over as are weekends in the traditional sense; the week becomes a continuous rollover. We believe that it is a time for careful assessment of our future needs and preparation to achieve our personal goals. Given an adequate income and good health, the opportunities facing retirees are virtually infinite.

We can study a multitude of subjects, take up new hobbies and interests or become more involved in existing ones. We can start a chosen second career or volunteer our services to some of the many and varied organisations which help within our communities.

This new found freedom means that we have more time to spend with our families and friends, perhaps giving them the benefit of our lifetime experiences or helping them in a more practical fashion while they are still caught up in the daily grind of work coupled with domestic responsibilities.

1. Clarify your objectives
2. Expand on your education
3. Embrace the new technology
4. Consider the option of working part time
5. Think about starting a business in retirement
6. Pass on your knowledge to others
7. Engage in a new hobby or
8. Research the possibility of volunteer work
9. Travel and broaden your perspective
10. Instigate a personal fitness regime
11. Cultivate your sense of humour
12. Think positively about the future

http://retirement-moneymakers.com

How to set goals for your new way of life

No two people have exactly the same aspirations for impending retirement, so your goals and hence your plan of action will hinge on how you decide to mix and match the activities inherent in the three little boxes of the lifespan.

Do not be temped to discard the first two boxes completely and plunge headlong into the third.

If you do you will almost certainly live to regret it.

You have choices which will determine the quality of your life in retirement.

1. You can flounder through the rest of your life without goals and suffer the emptiness of achieving very little.

2. You can let someone else set your goals for you and live with the frustration of living the life someone else wants you to.

3. You can set your own retirement goals and experience the profound truth Browning expressed when he said, ‘Come and grow old with me, for the best is yet to be.’

The choice is yours...

http://retirement-moneymakers.com

Now this really is cool!

I have a tip for you today if you would like to know how to build your own Adsense websites.

Recently I literally stumbled across a product that showed me how to create my own 5000 page information portal (website) with my Adsense code on each and every page.

Content-N-Cash

I built my Adsense website with it and I can tell you this -- it really does work!

There are a bunch of products on Adsense. But this one was different for me. Here are some of the things I like about it:

1. This software actually 'creates' your Adsense websites automatically. No need to learn anything.

2. It comes with more than 25,000 'ready-to-use' articles (it also allows you to import your own articles)

3. Inserts your affiliate links on each and every page automatically

4. Adds your Adsense code on every page

5. Integrates banners that you promote

6. Plus a host of other great benefits

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The Secret of The Three Little Boxes

Society preordains the pattern our lives will take and places it in a linear sequence comprising three neat little boxes demarcated by age grading:

Education – Work – Retirement

We are destined to conform to this pattern in respect of the first two boxes but need we necessarily slope tentatively into the third without quantifiable expectations or a plan for fulfilment? No we need not. The secret of the three little boxes is to retain the most fulfilling aspects of the first two, carry them forward with you into the third box, and combine the disparate functions of all three productively in the twilight years.
I will show you how to merge these functions seamlessly to provide a rewarding and successful retirement and I will let you in on the secrets that keep me and other active retirees busy, satisfied and fulfilled. There is work to be done but it will be worthwhile.
In the process you will learn…

Ø How to identify the success patterns inherent in a rewarding retirement.
Ø How to maintain the edge by recognising trends so that you can anticipate rather than react to change.
Ø How to use this wisdom to shape your own destiny in the third age.

Being ahead of the wave rather than behind it is the better place to be in retirement.

http://retirement-moneymakers.com