How to Retire With no Money Saved

For years the banking industry “experts” have worked hard to make people believe that if you give THEM your money, you will be able to retire comfortably. Skimp and save, and do without, just so THEY can have your money.

Then what?
Many people who followed this advice found their “savings” dwindled away because of the various market corrections. The banks got bailed out but did you?
Then, on the flip side, most folks didn’t save at all. It is hard to save when the cost of living is through the roof.

Now, the years are ticking by. Retirement age is just around the bend. Now what do we do?
Retiring Without a Company Pension
Are you thinking about retiring soon but expecting little to no pension? Do you have more debt than savings? Unless you win the lottery, retirement won’t mean endless days of sunbathing.
You are not alone – you are part of the majority. AND the competition for “after-retirement” jobs is going to be fierce!

But, what if I told you there is a way to (mostly) retire?

First thing needed is a change of mindset. No, I’m not talking woo woo stuff, just a reality bump. Turn away from what the investment experts have been saying and look to the past for answers. Back to the bygone era before we had pensions and buy-outs.

There is More than One Way to Retire..

Having a million dollars stuffed away in some corporate bank isn’t the only way to comfortably retire. So long as you change the definition of the word “RETIRE”. Like when you “Re- Tire” your car you don’t just let it sit and rot. SO when you re-tire yourself – think of it as meaning as “do something else” instead of “do nothing”.
Some people say they want to do nothing but really they just don’t want to go back to “that place” every day anymore. Many folks just want to do more leisure things. To be able to spend more time on their hobbies or travel a little. This type of retirement can be accomplished so long as you don’t mind working a few hours a week.

This is not a “get rich quick” scheme. I don’t of know any.

The Story of Two People who Worked a Little and Retired a Lot
My parents didn’t have much but still travelled and enjoyed retirement well into their 80’s and 90’s. They got to travel, spoil their grand kids, and had a reasonably relaxed retirement.
I learned some very important lessons on how to retire with very little.
A Bit About Joe:

My dad was a man of the 50’s and worked as an on the road salesman for a auto and marine parts company. He was away 5 days of the week. He drove up and down the province, stopping in at garages and various other industry, to try and convince them to buy what he was selling. My dad did not get paid if he didn’t sell. We didn’t eat if he didn’t sell. For more than 40 years my dad was paid by commission only.
There was no company medical, or company retirement pension. When he was (forced) to retire, he got a bit of Canada Pension.

Could you live this way? Only making money if you sold your product?
What if you KNEW, without a doubt, what would make people want to buy from YOU?
A Bit About Muriel:
My mum was the “kool aid mum” – if you are old enough, you know what that means. She gave up working outside the home when she married. Dad was old fashioned that way and didn’t want his wife to work. I’m not getting into any political ideals here, just making a statement of historical fact.
They had two kids (my older sister and I), and our school friends would come play in our yard because we had a swing set and a big yard. Mum would serve up the treats and Kool Aid. She was ALWAYS home.
There is no Canada pension for stay at home mothers. There is a small “old age” stipend.
They didn’t live in a mansion but they did own their property. When dad retired they moved into an old mobile home. It was on it’s own land. They also had two used cars. AND they spent 4 – 6 months out of the snow and living in Florida EVERY winter.
They were happy!
When your income is entirely dependant on whether you sell or not, there is no room for entitlement. They grew up in a time when welfare meant living in the “poor house”. They didn’t have a bank full of money so when he was forced to retire, Dad found a way to make enough working part-time in the summer, so they could live in Florida every winter.
By now you understand this story isn’t about any “get rich quick” scheme. It is about how to retire happily by generating your own income (on a part-time basis) so you can be cheerfully relaxed throughout your later years. 

What do YOU want out of retirement? Is happiness enough?

How I learned to Retire with No Money in the Bank
One year in my early 20’s I went to Pinellas County, Florida to visit my folks. They had what was called a “Park Model” trailer. It was a second, or third, hand trailer; permanently fixed in a trailer park lot. It was initially inexpensive to buy and sold for only $3600 USD when they were no longer able to make the trip after my dad’s stroke in his late 80’s. They enjoyed that drive and holiday in Florida for 20 years.
First lesson I learned is; you can buy 2 old trailers on the cheap and they can still serve you for another 20 years+
The second lesson I learned while visiting Florida came from a WalMart greeter. Mum and I were out shopping and this older woman (I’ll guess late 60’s early 70’s) dressed in her WalMart vest, smiled as we entered the store and gave us a shopping cart. It had never occurred to me, until that day, that a woman would ever want to work outside the home so late in life.
I guess I was a tad sexist because my dad had started his new part-time job in his 70’s. Why couldn’t a woman be working in her 70’s? That is when I realised that “retirement” didn’t mean doing “nothing”. It meant doing something different so you had more time to do nothing! That is of curse, if nothing is what you want to do; – others golf, or take up surfing, or some other hobby or interest they didn’t make the time for in their younger years.
Simply put, I now understand that;

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Getting Started Blogging Cheat Sheet


Every web-developer or blog owner needs to have the right tools.
The word “tool” in this case refers to anything from a simple piece of software to educational products.

There are a LOT of companies out there with great stuff and it is very easy to start loading up on fancy tools and plugins.
Before you do, let me run you through the basics – it should help you choose what you feel will suit you best for your online business venture.

Visit Here….

21 Business & Marketing Podcasts to Listen To in 2017

21 Business & Marketing Podcasts to Listen To in 2017

To continue to thrive in the business and marketing world, we all know that it’s essential to prioritize continual learning. Stagnation is not an option if you want to even maintain success, let alone build on it.

There are some truly exceptional resources out available that make this task easier, especially when it comes to business and marketing podcasts.

Regardless of what you specialize in, there are a number of business and marketing podcasts that everyone can learn from. These are the 21 business & marketing podcasts you need to listen to in 2017.

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Working Won’t Ever Make You Rich. Here Are 5 Things That Will

Wealth means more than just money.

What are most people ignorant of that prevents them becoming financially wealthy?originally appeared on Quora, the place to gain and share knowledge, empowering people to learn from others and better understand the world.

Answer by Charles Tips, retired entrepreneur, founding CEO of TranZact, former science editor, on Quora:

Nobody ever got rich working for a living. –My dad, to me, frequently

What in the world can it mean that working doesn’t make you rich? Well, how many of those fabled bad guys our progressive left obsesses over, the dreaded 1 percent, punch a clock, do you think?

To be sure, you will work hard to get rich, and the harder and smarter you work, the better your chances. As my dad would explain, “It’s OK to work eight hours a day for someone else. Just work eight hours a day for yourself too, and twelve hours a day on the weekends.” And that’s exactly what he did, all his life.

Selling your time by the hour will not get you ahead. Human resources departments know to the dime what they have to pay per hour to acquire requisite talent. Even if you have a degree from a prestigious law school and catch on with a leading firm and can bill at several hundred dollars an hour, by the time the expenses are extracted, you’ll be lucky to be grossing a third. Even if you work yourself into an early grave by billing out 3,000 hours a year, you’re not, by that effort alone, putting yourself on a track to get wealthy.

So, what do you have to know to become financially wealthy?

Probably the first insight you need is that you are out to get wealthy, not financiallywealthy. Financial means pertaining to money, but you’ll need to recognize that money is simply a “parking place” for past production. The economy runs on “you buy the production of others with your production.” Land and production and equity in those things underlie wealth. Money is just a convenience for wheeling and dealing.

Here’s what you need to understand if you want to not miss the turn that gets you to the intersection of Luxury Lane and Big Bucks Boulevard.

Knowing what you are after. Having a big operating budget is not wealth. You can be “churning” millions of dollars a year, but you are only getting wealthy to the extent you are profiting on that churning. A lot of churning with little profit is actually worrisome. A huge house of cards falls just as fast as a small one.

Financial leverage (also known as other people’s money). A business acquaintance mentions he needs 200 reciprocal capacitors (or whatever) to keep his production line going. He’s desperate and willing to pay $2 each. You’ve got $100 and know where you can get such capacitors for a dollar each. You could double your money! Or, you can borrow, $100 paying back $110, and almost triple your money. Even better, you can get your acquaintance to pay in advance and clear an even bigger cut without putting your money at risk.

Labor leverage. At one point in my retail career, I took on a new window washer. The next time, he showed up in a suit, took my $20 from petty cash and left his associate behind to do the window washing. I started seeing his associates around town, at least three different ones. I idly started calculating what he could potentially make with three window washers under him while he concentrated on selling and coordinating–maybe there could be a little money in cleaning glass. When it dawned on me the guy could easily be grossing $120 an hour with a labor cost of at most $21 an hour (35 years ago) and additional overhead of at most $2 an hour, I was shocked that he was netting about four times as much as I was as a partner in a thriving retail business, and with significantly fewer headaches! and employees!

Spotting opportunity. The productivity cycle that creates all the goods that actually represent the economy begins when an enterprising person looks to the future and sees the opportunity to make a profit. Think how easy it would be to start a window-washing business. So, why then do 99 percent of all casual window washers go about it all wrong by doing all the work themselves? Understanding how to spot situations that can be turned into profit-generating opportunities is an acumen that must be cultivated. Most people don’t start their own business; they create a job for themselves in addition to which they have to function as boss, secretary and marketing person–four jobs in one, a burnout track rather than leverage.

Making money with money. How did Mark Zuckerberg make $4 billion in one day last week? How did Jeff Bezos make $6 billion in 20 minutes a couple of days ago? Was it by increasing their hourly wage? No, as you know, it was by equity. You are frail. You’ve got something like 100,000 to 150,000 working hours in your entire life (multiply that times what you can net per hour, and there’s how rich you will potentially be). Money/equity can work 24/7/365 and not break a sweat. The trick is to live as frugally as possible when starting out young, forgo every nonessential, and set aside every dime you can. Putting your money to work for you can make money for you even while you are sleeping. You can eat out at a nice restaurant and make the money to pay for the meal while you are dining. (Better yet, you can have your fellow diner who wants your business pick up the check.)

And how did it turn out for my dad?

Dad is now 94 and comfortably off. He got a bit wealthy late in life. He played the real estate game and spotted a huge opportunity back in the early 1960s. The new interstate headed through Dallas would create rapidly growing suburbs. We moved to a small town when I was 12, and he plunged his savings into buying up a couple of square blocks in the poor part of town but near the intersection of the two main roads. I can still remember how bullish he was to score such a coup.

And then all the growth took place, not in the old downtown area as he had assumed it would, but in the cattle pastures on the other side of the new highway, land he could’ve owned for a mere $50 an acre at the time (and that’s worth as much as $2 million and up now). To make matters worse, just when he realized he needed to be across the highway, interest rates went up to double digits; too high to make money. He spent 20 years feeling like a bug trapped in sap, unable to budge, and that changed him into a very sour man.

The final lesson, then, is that you have to be cut out for a life spent trying to acquire wealth. There are risks. There are pitfalls. You can get everything brilliantly right, make one deft move after another, and still end up worse off than you started.

Not everyone is cut out for such stress, strain, and uncertainty, and this makes a job working for someone else at a reasonably secure salary look pretty good.

This question originally appeared on Quora, the place to gain and share knowledge, empowering people to learn from others and better understand the world. You can follow Quora on Twitter, Facebook, and Google+. More questions:

Corporate short-termism is a frustratingly slippery idea

Firms are increasingly accused of failing to look ahead. That is a misdiagnosis…

Opportunities in Your Online Business
Too many companies start up and find success but soon find their growth stagnating. Why is this? The truth is that there are several reasons why this could be the case. The company might not be attracting enough new clients, they might constantly run out of stock, or they aren’t introducing new products or services fast enough. Or it could be that they have simply stopped trying.

Once you have found success, it can be easy to get in the mindset that “what I’m doing now is working and will work forever.” Wouldn’t it be nice if that were true? However, the technological based world we live in is changing so quickly that in order to stay on top, you have to start finding the hidden opportunities in your business.

Consider the Jelly Belly Company as a great example of finding hidden opportunities in business. In the 1990’s, they introduced a new product called “Belly Flops.” Belly Flops consisted of strangely shaped and off colored jellybeans that appeared in the production line. They are then sold at half the price of what a normal bag would cost. While the company is privately held and doesn’t disclose financial information, the sales have been strong enough that Belly Flops are now sold in retail and online. Where most companies would toss their imperfect products, The Jelly Belly Company saw a hidden opportunity and capitalized on it.

Hidden Opportunities In Your Business

While you may not be able to sell imperfect products at a discounted price, there are likely still hidden opportunities available in your business. Take a look at some of these ideas and see if they can help your company grow.

Do Your Clients Know About All Your Services?

Do your current clients know about all of your services and products? If not, then you are missing out on potential revenue. Convincing customers to use you time and time again for multiple services is one of the biggest hidden opportunities in your business. Even though clients may have had a great experience with one of your products/services, they won’t ask if you offer more. They will simply go to someone else. Don’t let that happen.

Luckily, the fix is simple. It’s your job to make sure that your current and potential customers know about all the services/products you offer. If they have had a good experience with you and you let them know about a new product/service that will help them with another problem, they’ll be more likely to purchase from you again.

Are You Confusing Your Customers?

When you talk to your clients, what type of language do you use? Do you describe your company’s goals, products, services, and processes in business jargon? If you do, then you are probably confusing your customers. The common customer won’t know what industry-specific terms mean. Don’t get sucked into the idea that the more business language you use, the more experienced you seem. Customers don’t care about that. They just want to know how you will solve their problems.

If this is a problem you are dealing with, then simplify your language. Spell out clearly what it is that your company does and how you will help your customer. The easier you are to understand, the better.

Are You Properly Motivating Your Employees?

Knowing how to correctly motivate your employees is another hidden opportunity in your business. Your employees are an important part of determining if your business stays successful or not. That’s pretty obvious but motivating them correctly is what will keep them working hard. For some, money will be their main motivation and for others, it will be something totally different. Once you make it more beneficial to your employees to continue working for you, the harder they will work for you.

Your Turn

Obviously, these are just a few of the many ways to start finding hidden opportunities in your business. The important thing is to keep your eyes and ears open to find the ones specific to your industry and company. Once you find the hidden opportunities in your business, make sure to capitalize on them. Doing so will help you keep your business successful and make it even more so.

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How to Create the Life you Really Want

5 Keys For Financial Freedom With Digital Altitude

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                                How would like free life at the beach in a summer time?

The very fabric of nature is freedom.

In fact, it is unnatural for any part of nature to be unfree.

And it is incredibly natural for us as humans, naturally free beings, to bristle at anything that threatens to take that freedom away.

Yet Americans, despite the incredible freedoms that they have, still do everything they can to live a life of crushing servitude.

What do I mean by this?

21% of people in the United States carry mortgage debt well into their 70s.

Only 20% of people stick to a budget they make for more than a year, despite knowing that they really need to.

These numbers represent people who are not free. They are shackled to a job and a mortgage.

They live paycheck-to-paycheck.

And if they lose their job… chances are they will lose their house within six months if they don’t replace it.

You may even see yourself closer to these scary statistics than you would like to.

Yet one things seems to separate the people who truly break free to experience a life unfettered from financial worries.


I’ve noticed that people who financially struggle…  or who are in a financially tough spot… carry almost a grudge against people more successful than them.  You see this all the time in the constant cries to tax the rich because they MUST pay their “fair share.”

Perhaps underneath they are jealous and even a bit angry at seeing someone living the life that they feel they deserve.  (And they do!)

Yet, when you spend time with people who ARE successful, you rarely hear them speak with envy or jealousy.  Instead, you’ll hear them say things like:

“That great!”

“I’m so happy for them!”

“I wonder if that would work for my business too?”

Rather than pull them down, criticize them or tax them… successful people are generally excited by other people’s success as they are their own.  And, more importantly, if the people they admire are MORE successful than they are, they do everything they can to model exactly the same thing.

So which type of person are you?

Do you criticize and complain?

Or do you congratulate and copy?

A negative attitude does you no favors; however, it may be tough to get rid of. So if this IS you, what can you do to shift gears towards greater success? Continue reading