Browse Retirement and Retirement Planning

Does that sentence ever run through your head? I can tell you the honest truth that this is exactly what I am feeling right now. Here I sit trying to write something you will find interesting, fulfilling and maybe even fun. But my mind is blank and feels like mush! So, I thought I'd write about that and see if you ever felt that way. For those of you who send an ezine (newsletter) out to your list, do you always include an article?

Any entrepreneur or small business owner knows how important it is to be accountable. Are you accountable to yourself, accountable to your business and, at times, accountable to others? It is the same as simply being responsible and answerable. You hear this term more and more often it seems. For those of you in business, being self-employed, if you were not accountable to not only yourself but your clients, you would have no business. But today, I want to talk about how you hold yourself accountable.

Well, maybe your first question is why do I need a Signature System. Your clients will love them and your life will be much simpler because you will know exactly what your presenting to them and when. It's that simple. Let me review a few of the reasons why right here. • Clients will love that you have a system to offer them because it makes their life much easier knowing they will follow the system you have created for them. They don't have to come up with one on their own, you will lead them and they will have confidence in you.

The concept of “retirement” has only been around since the late 1900’s. Many “Retirees” have replaced this concept with renewal--persons that have decided that they still have many productive years left. They’re doing a variety of things from a chemical engineer and his wife starting up a business in Import/Export furniture, learning a new career in acupuncture after “retiring” from a nursing role, and a “retired” nu

If you have had your own business for some time now, you have probably heard about the power of Joint Ventures. We hear all the time that being a Lone Ranger is a long, slow and painful path to a successful and thriving business. And even though you may know that, it's amazing how many of you still do that lone route. I used to be a Lone Ranger too, so I get it. You all have voids in your business. Empty spaces that you can't fill either because you don't have the knowledge or you don't have the time and energy. This is where Joint Ventures come into play.

With the rising rates of interest each year, added inflation, and increased monthly expenses, an average Canadian find it difficult to save money for the future. Most of the individuals and families are busy spending the cash and very few people are paying enough attention to life after retirement. No matter how good your corporate job is, you will always need a sound financial plan for the later years. The majority of us are not sure when to start planning for life ahead of

My daughters (Emily just turned 30 (EEEKKK) and 27 years) have been bugging me for years that I needed new carpet upstairs. And they were correct. But the thing was, I wasn't ready. I wasn't ready emotionally nor financially. It meant remodeling the master bath, the girls bath, painting and... then carpet. The very last thing. They kept saying, "Mom, just do the carpet first and then do the bathrooms." Nope. Doesn't work that way. I think they get that now. And starting your business and sustaining your business is the same way! Things have to be done in order.

When it’s time to retire, you have mixed emotions of fear, happiness, and sadness. Retirement is your time to do all the things you’ve wanted to do and relax. Use these three tips to help you embrace your retirement. Create a Routine or Schedule When you retire, you have the opportunity to do a lot of things. Many changes will occur in your life now that you don’t have a 9-to-5. Having a lot of time on your hands can do more harm than good. Did you know people live heal

"Within us, possibilities are born in our hearts. We must feel them, become passionate and then move our mountains." —Grace Cirocco I love the sequencing in this quote: Must feeln Become passionaten Move our mountains! How do we begin the feel the possibilities born in our hearts? ...

Life begins at 50 and there could be no denying to this fact. Post retirement, you would have plenty of time and money. If you can stay healthy then you can enjoy your post retirement life to the full. For healthy life, you need to stay active. As age advances, vital body organs become slow but there are no worries as balance diet and active life reduces the effects of aging on body and mind. If you think that you can’t stay active at home then consider active retirement li

According to a story published in Business Week on March 5, 2009, the “53% plunge in the Dow Jones industrials since October 2007” translates into the disappearance of “more than $10 trillion of stock market wealth.” Not only did individuals lose significant money, but so too did pension plans, 401 (k) plans, and other retirement oriented investment plans. USA Today, for example, recently reported that “last year's stock market collapse left the nation's largest pri

Seniors are commonly told that reverse mortgages are not short-term loans. If an individual plans to move in the next few years, a reverse mortgage will probably not be his or her most economical option. In the past, seniors who planned to move in the near future did not have a reverse mortgage option available to them. Fortunately, this is not the case today. Currently, seniors who wish to downsize or move closer to family can take advantage of the HECM for Purchase program.

The Holiday time can be a challenge and you may think this is a terrible time to market your programs and services but let's think about that again! It seems like I have gotten more holiday cards earlier this year than usual. I have barely even thought about them yet so I best get going! The Holidays are actually a good time to do some things differently. It's a time to offer something that you might not usually offer. Here are some ideas for you and I am sure you can come up with more ideas on your own; these will just get you thinking in the right direction.

You work so hard getting a product or service ready that you know everyone is going to want... but no one is buying! We have all been there. I know I have been there and it's not a fun place to be. You love your clients and the others on your list, in your data base. You even asked them to answer some questions on your survey and you thought you were giving them what they said they wanted. So, what went wrong? Here are some thoughts:

You know you need to add another revenue stream to increase your cash flow, but which one? There are so many directions you can go in, how do you know which is right for you? You could do a Telesummit, start a membership site, create a Platinum, high ticket coaching program.........the ideas are limitless. Since my theme song is Simple and Elegant, my first choice right now is a VIP day, also called a Virtual Retreat Day.

People often think to shift at a safe, economical and beautiful place after their retirement. Panama is one of the ideal places to live after retirement and it is considered among the most suitable retirement havens. This Latin American country is renowned for its beautiful scenic mountains and landscapes. Being a perfect place for investment and tourist spot, today, it has become a best place to retire abroad as well. Seniors can shift to the place in order to enjoy both sim

Everyone has seen the statistic of what the return of an average investor is and what the return for the S&P 500 has been. So why do we continue to let our emotions drive our investment decisions? It simply because we don’t know we are doing it most of the time. Here are some of our common behavioral investing mistakes: Loss Aversionr In the recent market down turns I have spoken with many investors who are hanging on to that stock that they picked until “it comes back”. What does that even mean?

Boomer's this is not your parent’s retirement. According to the Employee Benefit Research Institute (EBRI), in 1980, 39% of American workers had a pension that paid a guaranteed payout during retirement. In 2010, that number had shrunk so that 15% of workers now have pensions. This is very significant because effective January 1, 2011, everyday for the next 19 years 10,000 Baby Boomers turn age 65! This might explain why 27% of all workers are "not at all confident they about

Seriously, this is something you really need to add to your business if you have not already. I have done so many of these myself and I love them! There are many people who use these two terms, VIP and VRD, as being the same. I see them differently.

How is your IRA doing? If yours has been performing like most people's, your savings have been virtually decimated in the last few years. That's very unfortunate, and it happened because so many people don't know what they need to do to keep their savings safe even during bear markets, and to keep them growing consistently most of the time. Read on for some retirement investment strategies that will improve your money's performance in the future. But first, let's ask a questi

Here we are, where we were last year and the year before and where we will be next year. I know that's a mouthful but it's true! Every year at this time we take a look back to the past year and see how we can make this year better. Even if last year was a great year, we can also do it better this year. Or different anyway. I want to share with you some simple daily strategies that you can use starting right now to get your business off on the right foot this year. Don't over complicate it. Keep it simple.

Over the next decade Social Security will most likely some potentially dramatic changes. These changes will effect many Baby Boomers. What Baby Boomers need to do is prepare for worst case scenario or at least a bad case scenario when it comes to Social Security. Here are several changes that probably will happen or at least should happen. One, is an increase in retirement age when you can receive early and full retirement benefits. Right now everyone can retire at age 62 an

Who knows? This could have been an overheard conversation at any office water cooler: James: Hey John, I'm retiring next month. John: Congratulations, man. This will be the beginning of the rest of your life. James (to himself): Whoa. Why did I open my mouth? Is John saying he thinks I am going to die or something? SAY YOU ARE James. How does John's message of congratulations really come across? Isn't retirement a scary word for most folks? Doesn't it conjure feelings of anxiety and depression, anticipation or relief?

So, what is a 401k plan? It's a long-term savings plan which was created in order to help workers save money towards retirement. You decide on an amount that is automatically taken out of your paycheck every week or month, and then it is deposited into the retirement plan on your behalf. You then decide, based on the options the employer gives you, how your retirement plan will invest your money. Your investment options generally include mutual funds, money market accounts, a

How well do you really know your spirit? How well do you value your beliefs and your mindset? I know you want to build a successful coaching business and I know you want to do it in a successful manner, now. Before that can happen however, there are a few items that need to be put into place. And when I say this I am not talking about your website or opt-in box. That’s the practical stuff and clearly it’s important but first things first.

You have heard this many times before but we all need to be doing more launches! And I can honestly say I have done more than enough launches that have failed. Which in the end means I didn't get the sign ups I was hoping for. Clearly something was missing from my process. Let's go through this step by step. This is only one article so I can't go into a lot of depth but hopefully I can get you thinking in the right direction.

Close your eyes for a moment and picture yourself enjoying your ideal retirement. Perhaps you’re standing knee-deep in a Montana river, fishing for trout. Or strolling through the streets of Prague. Or reading Faulkner on the back porch, listening to the sounds of your grandchildren playing in the yard. nnChances are, your actual retirement will look quite different from the way you’re imagining it. For one thing, the kids playing in your backyard are more likely to be yo

Just for the record, even extroverts don’t always like to Network! One of the best tips I think I can give you is go to a networking event with a purpose in mind. If you enter the room with no purpose it could feel very daunting and you may find yourself just wandering around aimlessly. You are not there to sell anything. If you are going to have an offer it might be for a free ‘Discovery Session’ to get to know them better, what they do and if you have any solutions for them.

There are several meanings that individuals might put towards the expression "retiring comfortably". You may strategy on hopping about the globe, or obtaining a dream 'castle' inside a faraway land, or lazing about inside a tropical destination. In spite of these romantic scenarios, you still have to listen to your practical aspect. See in the event you can afford the standard of living that you simply want in your leisure years. Regardless of whether you want to live abroad

“I’ve hit the wall once again!” How to get past those dark dreary days when you've hit the wall. I’m not talking about the crises, the big disappointments, which come along every once in awhile. Just those times when you wonder what you are doing? And why? Is it ...

People often think about the place where they would like to spend rest of their post retirement life. A place where they live near nature, breathe fresh air and enjoy sports in an excellent weather condition. Altos de Maria is one such panama gated mountain community where individuals can enjoy all such benefits. Located not far away from Panama City and Pacific coast beaches, this place is a dream come true for an individual, who is search of peace, serenity and natural beau

After years of lax enforcement, the IRS is starting to systematically search out violations of the confusing rules governing individual retirement accounts. That's not a small undertaking and there's a lot at stake. Americans hold $4.3 trillion in IRAs, and even the most innocent mistake can be harmful to your IRA. For instance, if you miss or forget taking a required payout from your IRA, Uncle Sam will take half of the amount you missed to take out as a penalty. A recent IR

I know there is a lot of talk about the importance of being happy in your life and in your business. It's important to include both in your overall happiness because if you are not happy in one, the other will suffer. If you are not happy with your life, your business will suffer because of it. And vice versa, not happy in your business, your personal life will suffer. My suggestion to you is to put your life first. I always talk about building your business around your lifestyle.

I know you know this. I know you know you must keep in touch with your list, your tribe, and your peeps. The problem is that sometimes it just seems like such a daunting task! You see what some others are doing and quite frankly, it probably looks like a ton of work! You can keep it simple. I encourage you to keep it simple. The reality is you must keep in touch with your list at the very least.....monthly.

The goal here is not to make things complicated, but keep them simple. KISS. There are lots of secrets to your success but I will highlight only 3. Be very clear and honest about your value. If you aren't clear yourself you will never be able to demonstrate this to potential clients. When you know your worth, when you know your value you will feel much more confident and, the best news? You will be able to charge more because you know you are worth it and you know you can genuinely help your clients get the results they are looking for.

Reverse mortgages are unique loans that give seniors the opportunity to withdraw a portion of their home equity and defer payment until their home is sold. Unlike other loan products, these loans carry strict age requirements. To qualify for a reverse mortgage, borrowers can be no younger than 62 years of age. According to data collected by the National Council on Aging (NCOA) in 2010, the average reverse mortgage borrower is 73 years old. In recent years, however, the averag

Have you ever had a time in your business when you felt you just really needed to take that big step, that really big jump to help your business move forward? Everyone kept telling me I needed to do a live event and how it would change my business. Well, the idea of that scared me to death! Seriously, I am an extrovert for the most part and love to be around people. But the idea of running a live retreat, by myself, for 2 days freaked me out. So, consequently I never did it.

The first wave of baby boomers turned 60 in 2006. The largest, most demanding and most examined generation in history is already facing up to a future that looks nothing like our parents' second half of life. Thanks to medical advances and information about health, baby boomers can expect to live long lives. rn rnMany of us had plans to retire, to take the gold watch and wave goodbye to corporate life. We were too young to really “retire” and planned to create that person

According to researchers at the Center for Retirement Research at Boston College, in upcoming years, reverse mortgages will an important tool used by baby boomers to help them afford expenses during retirement. The continued popularity of these loans leaves many seniors asking, “What is a reverse mortgage, and what can it do for me?” rnWhat Is a Reverse Mortgage? What to Expect From a Loan Of the different types of reverse mortgages, the great majority of borrowers choose

I realize that's a pretty bold title but I am serious about this. Attempting to build a business only doing things on-line will be like taking that "Slow boat to China" I know it feels hard. You know it feels hard, but do it anyway. Most people don't pick up the phone, which is why it is so powerful. It's like most people don't send mail through the post office, which is also more powerful than an email.

I used to think there was. I used to think that everyone slowed down in the summer and picked up again in the fall. But over the years I have changed my tune on that. The good news is that so many people really believe in the 'summer slump' that they in many ways just stop working on their business. They assume that everyone does this, that no one is buying, no one is doing anything but laying around in the hammock and maybe 'dead heading'!

No matter what month it is, you have the opportunity to make your business better and stronger every day. You know it is in your own hands, right? Yes, it is totally your responsibility. This is not something you can blame on others. I know because I tried to do that!! It did not work. Bottom line is it is up to you. So, what can you do, right now, to make your business better and more financially stable?

First of all let me say, there is nothing wrong with being a volunteer!! I have volunteered a lot in my life and always will. Right now I am a Disaster Mental Health volunteer for the Red Cross and I am Program Chair for a non profit for women divorced and/or widowed. I put a lot of time and energy into these two and I love doing it. That said I don't believe you want to be a 'volunteer' when it comes to your business. At least I surely hope not.

Okanangan valley is a beautiful place which is surrounded by beautiful lakes, mountains and breathtaking landscapes. The city of Kelowna is situated in proximity to the region, which caters to the shopping needs of the individuals. The climate of the place remains temperate and the atmosphere is pollution free, which attracts individuals from all the parts of the world. The safe and peaceful environment of the region is best suited for the senior retirement homes. The local p

Elderly couples who find it difficult to live without personal assistance should consider relocating to carehomes where they can take advantage of professional personal assistance and lead an independent life. Part of larger living communities, these homes are best suited for seniors who have difficulty in seeing things, hearing and walking. Such people can’t get proper care at their homes because their children don’t have much time to devote for their care. Hiring home c

Don't make this harder than it is! You must have a way to keep in contact with your list. You simply must. There is no two ways about it. Don't over think it and then decide it's too hard so you don't do anything. You cannot have an on-line business without a consistent way to keep in touch with your list.

There are millions of baby boomers around the planet trying to choose where to retire, and if a large amount of us who have grown up in Tallahassee have anything to with it, they are going to choose Tallahassee. Tallahassee needs population growth to help the property market recuperation, and courting retirees could be a very astute part of this solution. Tallahassee is "sorta just like home" for many who come here, so getting Tallahassee into the running for "where to retire

The Perfect Retirement Investment A perfect retirement investment would look something like this -rn* You can't lose money. Safety guaranteed.rn* Your payouts can only go up. Never down. No matter what happens. This retirement investment exists: variable annuities. Competition has made them better. Take a second look now, if you passed on them before. There's one type of variable annuity that has what you want. Don't confuse it with the many other annuities out there. Here's

Are you worried about your life after retiring from work? If yes then shed all worries and find one of the best retirement houses in an independent living community in your city. These homes are specially designed and furnished for senior living and only seniors are allowed to stay in these homes. In other words, the occupants of these homes are seniors and they live with like minded people in the independent living communities. These homes have ample facilities and the resid

I have written so many articles on everything in this title it's almost crazy. And so have most other business coaches. Why? Because it's just that important. Think about it. How will you design a website, even a one page website, if you don't know who you are talking to or what you're talking about? You can't. When someone ask you that dreaded question " So, what do you do?" are you just going to say "oh a little of this and a little of that." No, of course not. First of all, you cannot serve the world. You cannot help the world. You cannot market to the world.