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Category Archives for Retirement Planning

Building a Successful Business Through Public Speaking and Teleseminars

For many professional speakers who depended on working with public seminar companies, as an independent contractor, traveling from city to city doing presentations 10 days out of the month doing seminars, they had to figure it out in another way to promote their business and build their clientele. As the Internet started to grow, companies started to spring up, where you could use the bridge lines, to do presentations for free to sell a your services to individuals as opposed to working for companies.

Companies also started to incorporate training through the Internet using teleseminars as training for their employees on various topics. This is a way that companies have been able to cut their expenses on in-house training, by outsourcing rather than hiring someone to come in house and train their employees. This also allows employees to take the training, on their time, as opposed to on the company’s time.

Many professional speakers want to become known as experts on their topic, so they will put together a free teleseminar and market it to their friends through e-mail. This gives them the opportunity to do an overview presentation on a program that they have written as a multiple week mentoring program and training for people who are entrepreneurs, have a home-based business, or work for an employer and need to improve their skills in certain areas of their life, so they can increase their sales and income.

Even if you are just a salesman who sells a product you can incorporate teleseminars as a marketing tool for your products and services so you can increase your income. For years salesman used to go door to door promoting their products through demonstrations. With the advent of the Internet and the use of webinars– where you can upload PowerPoint presentation and videos as demonstrations on line, which also gives you an opportunity to cut your expenses in gas and car insurance. This way, once they have seen the demonstration on line, and like the product, then when you go into their home to do a face-to-face demonstration, your percentage of sales increase.

Since technology is becoming a part of the way it we do business today, everyone who works for themselves or a company needs to learn how to incorporate this into their business practice. The problem is that people who have done business one way find it hard to change how they do business today, therefore, they are the ones who struggle today to find a new job. The new millennial generation is entering the workforce and learned incorporate multimedia into their personal lifestyle and business practice since they grew up using computers and cell phones.

It is the baby boomer generation, who refuse to learn how to incorporate these products and technology into their business, therefore, they are being left behind and their standard of living is lower as their income decreases.

Professional speakers who learned how to use teleseminars market programs on communication, listening, team building or building strong relationships, sales, time management, stress management, and even how to manage other people. By offering a free teleseminar you can give a brief overview of what will be covered in the training program. When you work from home offering a teleseminar your expenses are virtually nothing. Therefore, when you sell a mentoring program, all you have to do is write the training program on your computer and then upload it to your website where participates can go and download it to their computer or have it printed out. There is no expense to except the price of your time since you work from home in your home office. Therefore you are being paid for your expertise on that topic, therefore, your profit is 100% of the sale. In this case you may also have the expense of employees who assist you in your marketing program, only they work from home as your virtual assistant. You will be subcontracting this work out to other home-based business as your virtual assistants, who previously were secretaries or executive assistants in an office. Since they are working from home they have tax breaks and all you would have to do is send them a 1099 for them to submit on their taxes every year to show what the income is for the year.

Having gainful employment today means accepting the fact that the workplace has changed and we have to change our idea about what her job is today.

Ms. Davida Shensky is a professional speaker, trainer, and author of many E-Books and articles. Her specialty is helping clients reach their maximum potential in life and create their own success in life. She has written the book No One Stands in Line to Become Disabled. Through her company Career Performance Insttitute she offers offers teleseminars, webinars, mentoring programs or bootcamps, advocacy, career, life, organizational, and technology coaching.

She holds an AAS in Mental Health and BA in Psychology and attended a Masters program in Rehabilitation Counseling. She attended Toastmasters where she received both the CTM and ATM certifications and participated in the NSA-GA Chapter mentoring program. She attended the American Seminar Leaders Association University where she recived the Certified Seminar Leader (CSL) certification. She attended Stores Online presentation to learn about Internet Marketintg. She has used her real life experiences to established a NPO–International Disabled Entrepreneurs, Inc. (IDE, Inc.) to teach people with disabilities the skills needed to have their own business, resources on where to purchase equipment, and low interest loans. She will be notifying supporters on fundraising prjects.

Ms. Shensky’s company is Career Performance Institute through which she presents teleseminars, webinars, boot camps, advocacy, career, technology organizational, and life coaching. plus written the book No One Stands in Line to Become Disabled. Our company helps clients find their passion and build it into a successful business. We help clients recognize the “limiting beliefs” they have which prevent them from making the right decisions.

What Are the Advantages of Retiring Overseas?

After long years of hard work you will come to a point wherein you just want to enjoy, relax and just chill. To be able to do what you want at your own pace and to freely do the things which you have been holding up for a long time. Picking the right country to settle in is a tricky quest thus enjoyable and can be knowledgeable because you get to research and know different things about a country in the process of finding the right place for you to dwell in.

When you plan to retire overseas you must have a concrete and detailed plan on how you are going to go about your living condition in a certain country. There are a lot to be considered if you want to have a smooth and trouble-free life abroad such as knowing certain regulations and laws which you are not yet accustomed to; know their requirements on visa and residency permits. You have to consider their culture if it is different from yours; know the cost of living in that country whether you can really cope up with it. It is also important to consider if the country offers health care and medical benefits. Another thing is to select a country that will safeguard your safety and will not put your life at risk in anyway possible. Take into consideration also that the country you choose is somewhat similar or close to your mother country, for reasons that you might have relatives which are still living in your former country and at sometime you choose to visit them, you would not have to spend a fortune or so much time by doing so.

It may be a bit scary at first to live in a country all foreign to you but give yourself sometime to get to know the country and surely you will get used to it then. There are numerous advantages when you choose to live in a foreign country, here are some of it:

1. You get to explore another part of the world apart from yours.

2. If the cost of living in your mother land is higher, it is wiser to spend your lifetime savings in a place where the cost of living is not high but offers almost the same quality of lifestyle.

3. You will have the chance of meeting other people and makes more friends

4. You can choose a country with a good weather; this will depend on you preference.

5. If you want to improve your standard of living which your country fails to offer, then you can choose to live abroad.

6. Sunny weathered countries are typical choices when retiring overseas; this is because these countries offer a lot of fun, recreational activities. They are also good suppliers of fresh produce of fruits of vegetables which is necessary for the health of the retirees.

In relocating to other countries, it is a must that you are financially stable so would not have to worry with how you are going to live your life in a foreign land.

Mitch Bowler is an avid traveler, having lived the majority of his adult life overseas exploring different cultures and learning about the best that each has to offer the expatriates who live there.

Visit http://www.retiring-overseas.com/ for more information on living abroad.

Find Best Online Jobs To Work At Home

How do you find online jobs? Available work from home positions? It is not as easy as some make it sound. If you are trying to figure out how to find work from home jobs online or stay at home moms work ,or even The Top Internet Jobs Online you can count yourself in with literally millions of others. Here we will learn how to get a job for you online that you love. The best jobs online seem to be Affiliate marketing jobs. These online jobs arent really jobs as much as they are an opportunity to make money selling products and services of others. In order to find a really good job online or affiliate marketing position some research is needed.

Finding A Legitimate Online Job.

There are some jobs online that offer payment fro writing that are legitimate. I have been in contact with some job posters on Craigslist and such that will pay you for writing articles or post for their website or blog. I have also looked into doing some freelance writing jobs which can be found by joining a freelance writing network easily found thru a Google search. Most of the gigs are highly competitive and I have not had alot of luck with these. I welcome comments or suggestions if anyone has had some success with this method of making money online.

For me the best online jobs or work have been to write articles and or post which present information on a particular subject and hopefully direct or inspire the reader to research the information in hopes of finding a real online job or opportunity that will work for them. I have had success with 2 programs on a regular basis. One of the programs which make me money online on a regular basis involves giving away free money making websites to people who would like to have a job online or work online by selling affiliate products.

These websites that I give away to people are set up and customized with personal affiliate links for the person so they may start earning money online very fast. These sites do work and will generate a handsome and regular commision if a little time is spent to advertise them. You can get a free website to make money with and also promote them to earn money online two ways.

The other method I have had sucess with as far as an online job or way to make money online fast is to use Google adsense in my articles and blogs. I try to create hubs or articles that inspire and have useful and truthful information in them to help give people ideas and information so they too can find an available working at home job or ways to make money online. If you like to write and either use Hubpages as your writing platform or you have a website or blog Google adsense is the best and most trustworthy way to make extra money online that I am aware of.

If you would like to write on Hubpages and generate money online thru Google adsense the you can check out this article and also sign up here

To summerize the best ways I have found to make some real money online or get a online job would be to either make money with Google adsense and/or definately get a free money making website as mentioned above. This is where you can make money as an affiliate and also generate cash giving away free cash making websites to people. These are great places to start for work at home moms.

For additional ways to make real money online and/or find the best online jobs my Google website has many proven ideas and opportunities for you to consider. You can look at and consider additional ways to make money online here. Just to add one last note, For a complete list of available work at home positions that are REAL and Legitimate, check out the link on my box to get some very cool leads on jobs available now.

Working From Home-The Discipline Factor

Deciding to work at home is a huge step towards obtaining financial independence and having an optimized lifestyle. But all too often, people fall victim to distractions and their productivity levels fall off sharply. So we need to ask ourselves why this happens and what we can do to address this inadequacy.

When working a normal 9 to 5 J.O.B., most people base their level of productivity on their surrounding atmosphere of coworkers doing similar if not the same tasks. This gives you a baseline on which to compare ones self as to how much productivity is actually being produced. But when you work at home, there is nothing to reflect on in your home business except what your upline is doing or what you hear on webinars or training calls on the phone, so the end of the equation is you start to slow down and not achieve the wanted results.

There are also many distractions through out the work day at home which will most assuredly lead you off the beat and path. Phone calls is a huge problem I’ve got, others that come to mind are the newspaper, emails, house cleaning, laundry, the family pet’s. All which is ok and needs to be addressed, but only by applying proper time management when you work from home.

Time management is a very key thing to master when working from home. It is very easy to set up a schedule using a spreadsheet such as Microsoft Works or Google documents. Plan out what you need to accomplish and at what time of day you want to do this, and stick to your schedule and get the work done. Certain tasks require a certain amount of time, while others require a certain outcome or level of completion. I use both of these. If you are just starting out with your work from home business, you’ll have to experiment a little and find out how long it takes to do things. Certain things I do, I give myself a certain amount of time, for example , social media, and if I don’t finish, It’s ok because it won’t make or break me. But then when I write articles, That usually takes time to complete, and if your looking to submit a certain number of articles per day, I have to use my time accordingly. If I finish up early, I move on to the next and I don’t go back because tomorrow is another day. That’s one of the benefits when working from home.

Another aspect of productivity and how to maximize it could be to dress like you on your way to the office. Now, keeping in mind with the people that don’t care to follow this measure because that could be a big factor as to why they decided to work at home, these people feel more casual, and dress more casual, I’ve been told some don’t dress at all, and theses people can still be top earners in their niche. Either way, you should still get up and shower, dress to your taste, and hopefully this will put you in a state of mind that will help your productivity.

You also need to have a dedicated workspace. Particularly a room with a door, with no bed in it would be great. A comfortable chair to take a break from the toil is also a good choice. A window to let the day, or night in, which ever time frame you work in, is also critical. I know I enjoy fresh air. That helps me allot.

We should also state here that some people tend to feel trapped, or shut in. You need to take a 10 to 15 minute break every hour, this should be seen on your time management spreadsheet, and extra time added accordingly. Get a glass of water, not coffee, not soda, not alcohol, but water. Your brain and body runs on water. Water is to your body as gasoline is to your vehicle. My mentor taught me this in the beginning and I said the same thing, “Your crazy”. But you know, he was right. The first thing I do when I get up is drink a large glass of water to rehydrate my body. Then I’ll eat something and have a few cups of coffee, but when break time comes on the hour, it’s water. It really does help your mind and body function better. And by the way, taking breaks every hour is another perk when you work from home.

Problem could also arise to the fact that you just can’t work at home due to space constraints. Maybe you don’t have an extra room in the house and your PC is right next to the TV. a great option is to rent some cheap office space somewhere, or just a room. You wouldn’t technically be working from home, but at least you’d still be in charge.

You should also keep in mind that there will be days when you have to leave the house, to do your shopping, doctors appointments, work on your own vehicles, sports activities with the kids, and you may not get nothing accomplished. But that’s ok and that’s the beauty of working at home, you don’t have to tell the boss that you have to leave early, or take a day off because your in command.

Working at home to achieve financial freedom and at the same time, optimizing your lifestyle is the way to go if you have the discipline to be productive. It requires timeliness and consistency just like any other job, but if you get it right, it can be very rewarding. So get your spreadsheets out and start being the master of your craft.

By Thomas P. Lane – To learn more about Thomas, log on to http://www.thestarvingmarketer.wordpress.com

Supplementing your Income Networking on the Internet

Plug into the world

Do you run out of money before your next check comes in? Whether you are a stay at home parent, retired, or perhaps your income just isn’t enough, you may be interested in internet networking to supplement your income. Not only has the internet supplied businesses the advertising mechanism to turn their small or local business into a global business, it has also turned internet junkies into money making gurus. In truth, networking the internet has reaped sizable rewards for many. This is not to say that it is easy. It isn’t really hard, but it really is work.

Choices abound on the internet for making money. Many investment opportunities, as a warning, are scams, and as always, should be thoroughly checked out before you spend any money on them. The majority are not, although some charge for information and others do not. There is a little bit of everything available. Social networks are huge. Myspace, a popular social networking site was sold in 2005 for an estimated 580 million dollars. Social dating networks, like the ones you see advertising on television, are listed amongst the top money makers on the internet, also making millions.

The internet is not just for professionals and businesses. It is now a home for curious minds seeking information and opportunities. For individuals using the Internet to make money, the possibilities are endless. From setting up on-line markets to having your own web page, there is money to be made. Whatever your interests are, you can find a way to turn that interest into a profit on the internet.

Although it would be impossible to list all the ways to make money, we will attempt to list a few of the top ideas that are working very well.

  • Writing programs
  • Paid surveys
  • Website design
  • Ebay
  • Publishing Ebooks
  • Rebate programs
  • Google Ads
  • Online Courses
  • Photography
  • Blogging

Social networking is being utilized by companies all over the world and they are seeing impressive results. This has not gone unnoticed by the individual, using the internet to supplement income. Learning the basics of how to maneuver on the internet will be key in your attempts at making money. Using the right tools and strategies will help you keep a grasp on all aspects of your new endeavor.

Start by making a plan of action so you know where you want to be and the direction you need to follow to get there. For instance, if you want to have successful website within a year’s time, list what you need to do to get there and catalogue your progress through each step. If your plans include social media networking, you may want to choose an on-line networking guide to help to help you navigate your way through the maze and will make things much easier for you. Spread yourself around and apply similar tactics on other sites as well. Make your sites appealing and easy to read. Reach out and target as many other sites and individuals as you can. Your site will require regular maintenance to keep the site fresh and full of new information.

Interaction with other networking sites sets your site about the rest. This is what sets social networking apart from media networking; allowing interaction with and even between visitors. Take advantage of the chance to let people comment on your sight and even include links to other sites. Participating in forums and blogs sites adding links to your site can truly enhance your network scope.

Affiliate programs are also a good way to add dollars to your income. Businesses find it more convenient and profitable to offer incentives to on-line sites rather than invest in risky commercial ventures. You allow a specific advertisement on your site and the company pays you a percentage of sales that are produced from that ad. Once it is set up properly, you don’t have to do anything else. Simple and brilliant.

Learning to understand these money making ideas and make them work for you will take time and energy. Fortunately, all the instructions on what to do and how to do it are all at your fingertips. So, what are you waiting for?

Planning For Retirement

Most people don’t plan to fail;
They fail to plan.

This slogan is not only a great marketing concept for a national insurance company; it is also the sad truth. Everybody has bills to pay. Learning to budget in order to pay those bills is not always easy. Finding room in that budget for retirement planning is sometimes very hard to do, yet it is essential. Unfortunately, it is the first thing dropped when the budget stretches thin.

Proponents of financial planning will tell you that you may need a written financial plan. This plan may be used as a tool to sell you insurance but it will also outline for you where you are spending your money and how much of what you earn is used to pay for your house, car, consumer debt, insurance, and savings. Knowing what your financial needs are is key to keeping them protected.

The idea of being debt free and financially independent by the time you retire is only a dream for far too many people. Why? Because they failed to plan or perhaps, failed to stick with the plan. Given the economics of today, we sure shouldn’t count on Social Security to provide us with anything more than the bare minimum. Life expectancy is growing and your retirement savings may need to stretch for many years. Retirement planning starts years before the goal of retirement is achieved. This planning needs to begin when the family is just starting out and when the need for protection is the greatest.

It is called the theory of decreasing responsibility. When you are young, and have small children, chances are that you have a high balance due on your mortgage and probably some consumer debt like a car payment and credit cards. So the need for protecting your main asset is very high, your main asset being you. Loss of income at this stage would be devastating. In these early years, you may not have a lot of money for the ‘what ifs’ of life. So insurance is required to properly protect your family from a spiraling circle of debt if the unthinkable were to happen. We don’t need insurance just to pay funeral costs; we need insurance to cover our loss and in this case, we are talking about the loss of a parent and the loss of income. Saving for retirement may be at the bottom of your list of priorities at this age but it needs to be on the list.

As you age, your responsibility decreases; your house is paid for or almost paid for, your kids grown, and your consumer debt is lower. So your insurance needs drop tremendously and those savings, which you have tucked away for years and years, are now ready to provide you with a retirement income.

You may ask how to achieve such a great plan. Well, a good start may be with the insurance you buy. The monthly cost of a whole life policy is enough to cover the cost of a term policy and a savings plan. With a whole life plan, the insurance company obviously insures you, and they will also invest your money in a fund for you, paying you a set interest rate from the growth of that fund. With a term plan, you pay a much lower premium for more coverage and you invest the difference yourself, say in a mutual fund, then you get to keep it all, setting yourself up with a nice little nest egg at retirement.

Starting this in your 20’s or 30’s keeps the premium low and provides the best chance at having your money grow. Without sounding like an insurance salesman, these policies are now offered for 35 years. If you started one at age 30, you would be 65 at the end of the term, and wouldn’t need to renew your policy at all. Why? Because you would have 35 years of savings ready for your retirement. Savings that could have you retiring with over a million dollars at age 65. It’s true, for example, if you invested $200 every month, in a mutual fund averaging 12%, at the end of those 35 years, it is possible, for you to have grown your money to; are you ready for this? $1.3 million!

Saving money in the bank has been stressed for decades but is it really the best place to grow money? Banks, if you’re lucky, may pay out 3%, and that $200 a month you are saving will give you $148,680 after 35 years. That great whole life insurance plan that has an investment feature built right into it, may offer you a 6% interest rate for a total pay out of $286,370. They will take your $200 a month; invest it in a higher yielding fund averaging 12%. Sure, they will pay you your 3% or 6%, but guess what they do with the rest of it. They keep it.

Finding the right investments are crucial. The power of compounded interest can not be ignored. Investment options and interest rates are tricky waters to wade through and professionals may be a tremendous help. A 6 % return on your money may sound like a great idea until you hear about compound interest and a rate of 12%. The point here is, it is all about choices. They are all yours to make. However, knowing what those choices are and how to make them work for you are the fundamental steps that you’ll need to take to reach your goal of financial independence.

Freelancing as Supplementing your Income for Retirement

Do you love to voice your opinion on paper, have you always dreamed of writing a book? Do you like to voice your opinions on any and every subject that is a hot topic in the news? It does not take a journalism degree to make some money to supplement your retirement income. You are wise to the ways of the world, and have experiences, and stories to tell right? You can make a decent living if the effort is put forth to integrate your expertise and knowledge , and share all you know with the cyber world…

Retirement is a dream, and although you may not fathom the reality of it with the economy , health care, and just scraping by to make ends meat, you may be surprised at what you can do. You can retire! You can make it happen by integrating your knowledge and skills into a written form to share with the entire world. There are many ways to make money on the Internet. One by writing and being a freelance writer.

I used to be a hospice nurse, but the monotony of watching people die got to me after years. I decided to pursue a more positive life with an income I thought I would never accrue to an extent. I wanted a more positive side to life, and I had no clue that my passion and my journalism degree would take me to the realm where I have arrived today. Yes! This is indeed a reality! I make money doing something I am passionate about, my calling to say the least. I have the convenience of making my own hours, writing, and making a good living off freelancing.

After a long a waited hiatus from nursing I was perusing the Internet and stumbled on an article about the various freelance writing sites. Me being the ambitious individual that I am said to myself ” what do I have to lose?” Well, it took a bit of getting used to as you are bidding against many people of various writing niches, and experience.. I had no portfolio to begin with so I just wrote from my heart with all that I knew. With a few weeks I landed my first job at scriptlance. com. This is a very reputable site folks! let me say that you are protected here- however there are people that are not so honest out there and you must beware as sometimes you can be writing your heart out to get paid and never receive a cent- then again give it a while earn your reputation and you will be rewarded with clients that touch your life, pay you well, and respect and appreciate the things that you do for them.

You do not have to have experience, you do not have to be an editor, you just need to put forth effort and write with passion. That’s what I did- and well I started at the bottom of the chain and have worked my way up- I now have so many clients that are faithful to me and I have plenty of work to provide for my family and then some… Do not think it is all peaches though, sometimes there are slow payers. People want something and alot for free, and sometimes you take a loss, but just do what you do- research, effort, and persistence will prevail.

If you are asking how to get started, I have some tips for you. I will be producing a guide to landing your first freelancing job here soon, but until then study up on these key points:

Make an acct at the various freelance sites: scriptlance.com, getafreelancer.com, and elance.com.
You want to build a reputation so if you see a job- try to see the topic research it and write it in a sample form that is impressive, free of grammatical errors, and speaks for your individual writing style.
You will want to bid low at first; Do not worry you will earn seniority as time passes: but for now you are at the bottom.

Try to have a portfolio if you have ever had anything published.
Be yourself, be original, and never claim to be something you are not.
Look at reviews of the client and make sure they are reputable at paying.
Show them your stuff! Originality, uniqueness, effort, and commitment.
Be consistent, original, do not plagiarize, and leave no room for grammatical errors or spelling errors.
Deliver in a reasonable amount of time, be dependable, personable, and reliable.

There is much, much more to mastering and being the superior writer as the competition is vast now with the economy being so poor, but you can set yourself apart from the others by dedication, quality, and uniqueness. I’m not saying you can make a million, but you can earn some money on the side. You just have to educate yourself on the ways of the Internet- freelancing world- and pursue it with the best and utmost effort and intention!! In the meantime.. good luck and please email me with comments, questions, and inquiries on how I can help you to make money and teach you how to make retirement a reality at [email protected]. I more than welcome your inquiries and will make sure I help you to make money and earn a living while retiring or else-wise by freelancing.

Why Internet Marketing is Hard For Baby Boomers

Here is a common scenario. I see some version of it nearly every day. A baby boomer comes to the realization that the plan they have been on all their life hasn’t worked quite as well as hoped. Maybe a divorce. Maybe a medical situation. Maybe a lost job. The cause isn’t nearly as important as the situation.

At the same time many boomers find their peak years behind them, they also find that their future isn’t so bright. In many cases, it’s downright scary.

So, what do they do? Start an online business, of course. It looks easy, but they soon find out it’s not. Here are three of the most common reasons for that.

1. The Honesty Factor — Most of us were raised when a handshake meant something. If you agreed on something and shook hands on it, it was done. No one sniveled out of it from either side, and lawyers weren’t needed to sort it out.

On the Internet, anonymity allows people to tell you something (”I’m making thousands a week,” “I’ll be a great upline,” “No recruiting necessary,” etc.) that isn’t true and still get away with it.

Baby boomers still hold onto the hope that things work with “handshakes” on the Internet, but as a rule, they don’t. When you find someone who also has the honesty factor, stick with them. You don’t even have to be in the same business. Gradually, you will be surrounded by people you can trust, and things will get easier.

2. The Shame Factor — Most boomers were raised when “Shame on you” meant something. It actually was one of the worst things that could be said to you or about you. Nobody wanted shame on them.

Sadly, most of the Internet seems to work on hype over truth. The bigger the claims, the more people will fall for it. Boomers expect things to be true, and are mostly surprised to find out when they aren’t.

It would be easier if there was a Shame Factor, but there isn’t.

3. The Technology Factor — We were amazed when the Apollo spacecrafts made it to the moon, and they did it with a computer that had 4k of memory. Now, I can hold a computer in my hand that has 2 million times that.

We may not have even seen a computer up close until we were in our thirties or forties. We had to have help turning it on.

Meanwhile, the people dominating the Internet knew more by the time they were ten than we’ll ever know. It’s not exactly a level playing field. We’d be better off if we played by the rules of Hopscotch or Mumblypeg, but we don’t.

For boomers, it’s not how much we know, but exactly what we know. We can learn enough, but need to know what that should be, and the “gurus” aren’t going to tell us that.

If you are a boomer, and you are struggling with making some money on the Internet, considering the three factors working against you as you evaluate opportunities and the people who offer them can save you bundles of time, money, and frustration.

Author: Jack Beddall For a quick how to on making money on the Internet read Barbara Lings new ebook 21 Easy Steps to putting your business on the Internet.

Do You Want to Become an Executive Recruiter?

Disclosure is required: I have never worked as an executive recruiter. But I have been on both sides of the search dynamic: as someone being recruited for a position, and as someone working with a recruiter to fill positions in my former organization. So I have a direct and personal knowledge of how that particular quest-and-fulfillment works.

It’s not simple to hire the best possible person for an open position. It does not happen, in my experience, as often as it should. At its best the search process should result in perfect-fit vacancy filling, with both sides-employer, candidate-winning. I believe such failure (which I can’t quantify but have clearly seen from experience) is that neither party divulged enough of “what they really want.”

Again, none of this is easy. And the blame, if that’s the proper word, falls not to the employer or the candidate, but to the Search Executive. And that’s because, in my view, not enough extra-job information was gathered from the employer.

A job position description exists to be filled. It is written, often times, with precision and clarity. That, to me, is less the overall point than this-that the non-task components of the search were left out, which is to say that culture-congruence, while elusive and difficult to capture on paper, is crucial, vital to perfect-fit job filling. One might say that skills are skills. It the employer is looking for “A” set of abilities, then finding someone with that “A” set is not so difficult.

Existing professionals may argue with me here; after all, hundreds of calls need to be made, vetting put in place, reference checks followed up on. Granted, that takes time.

But maybe not so much time and care are given to helping the employer define the culture of the organization, at the macro level, and the diverse cultures that exist department to department. The overall perception of working at, say, Google may be (and this has been written about extensively) that it is non-traditional, that no dress code prevails, that time is given during the day for employees simply to be creative – just to wander in the lofty realm of creativity and think about the future. And yet, there are department heads at Google – and this was what I noticed in my reading-who are very tough – minded and goal oriented.

Sure, Google may exalt creativity. But managers across the company have to deliver results. The consequence is that culture at Google is variable and elusive. A company may say that “we hire bright people and then let them create.” Fine. But I suspect that’s easier to espouse than to pull off, department head by department head. Even for Google.

And this means that the executive recruiter must grasp and articulate fully the culture of the position at issue. He or she needs to understand the type of personality-regardless of pure ability – that will be most likely to thrive in the given environment. But even this is elusive, because organizations deceive themselves when it comes to their culture. They may wish it were one way or the other; they may believe it is one way or another. But the good search executive, the one ideally you want filling positions, is one who sees the trees for the forest, at first view, and the forest for the trees at the next view.

It is easy to make up numbers about these sort of issues. But I’d guess that, based on my experience, 60 percent to 70 percent of job hires do not work out because of culture incongruences.

It is finally up to the recruiter to discern and define work culture specifics to the greatest extent possible. It is up to the recruiter to match job requirements with verified skills. It is also up to the recruiter to explore work culture and candidate psyche-and to see through the espoused similarities and the subterranean differences.

Stephen Foster is the Principal of http://www.fosterandrewassociates.com/.


Working Longer – Keeping Older Workers Safe and Productive

Recent surveys by the Society For Human Resource Management (SHRM) and Watson Wyatt have found that an increasing number of employees plan to delay their planned retirement. Of those now age 50-64, more than half plan to work at least three years more than they previously expected – past age 65 in most cases. Presenters at a recent Business Insurance Webinar reported that between 2006 and 2016 there will be an 83% growth in the number of workers age 65 or more in the workplace, and that they will account for 6.5% of work hours in the U. S. by that time.

Financial need is one reason people plan to work longer; other reasons include increased life expectancy, improved management of chronic disease, availability of employer-provided health insurance, and the simple desire to remain active and valuable.
Many employers believe older workers are more susceptible than younger workers to injury in the workplace, and worry that an aging workforce increases the risk of disability and lost work time. Other issues sometimes come up, too: Age Lessons, a Chicago-based consulting firm, conducted 50 interviews with workers over the age of 50. Age Lessons President Laurel Kennedy reported, “Older workers believe that younger associates drop them from critical informal communication networks,” and that organizations often assume that older workers are unwilling to accept new challenges, and so foreclose career paths and training opportunities.
Perception and reality
Are older workers really at greater risk of injury, or less creative and energetic than younger workers? Not according to workers’ compensation statistics, and the research of occupational medicine specialists, industrial designers, and behavioral psychologists. The National Council on Compensation Insurance has found that the frequency of injury for older workers is lower than for younger workers, although the duration of a lost-time injury tends to be greater. An extensive study by PMA Insurance Group reached a similar conclusion.
Aging can affect strength, range of motion, sensory acuity, and the time required for an injury to heal, but these limitations are offset by experience, safety consciousness, and attentiveness to the task at hand, research has found. These characteristics reduce accident frequency.
U. S. Airways Captain Chesley Sullenberger, describing to CBS anchor Katie Couric how he managed to pilot the crippled Flight 1549 safely into the Hudson a week before his 58th birthday, said, “For forty-two years I’ve been making small, regular deposits in this bank of experience: education and training. And on January 15 (2009) the balance was sufficient that I could make a very large withdrawal.” Incidentally, from 1960-2007, Federal Aviation Administration regulations required commercial pilots to retire at age 60. The limit was raised to 65 in 2007, to conform with standards of most other countries.
What about willingness to embrace new procedures, new projects, new technology, etc.? One Bureau of Labor Statistics report notes that older workers often question new ways of doing things, but that “they are just as adaptable once they understand the reason for changes. They are more likely to ask ‘why?’ because they have often seen past changes in processes and procedures abandoned in midstream when they didn’t bring expected rewards quickly enough.”
Areas to address
Slips and falls account for more than a third of all injuries sustained by workers 65 and older. Crashes at intersections, or when merging or changing lanes, also are more common among older drivers than younger ones. The same is true of ergonomic injuries. These are areas where workplace design and maintenance, training, and individual accommodation can help reduce the risk of injury to workers of any age.
CIMA Risk Control Services is available on a fee basis to help you evaluate your workplace and address these kinds of risk exposures. Contact your CIMA Account Executive or call us at 703.739.9300. (See also Resources, below.)
There are common hazards you might be able to identify yourself. For example, to help prevent slips and falls, make sure your floor coverings are appropriate for the work environment, and kept clean and free of obstructions. Is lighting adequate, so that differences in elevation are easy to see? Are risers on stairs of uniform height, and wide enough? Can the edge of the stairs be seen easily? If items must be stacked, are they stacked to an easily-visible height? Are ladders or stepstools available when needed, and do employees know to use them? Are handrails secure? Is signage large enough?
Getting back to the documented complaint that older workers often feel left out of the communication loop…Think about how your work teams are organized. Have they become too stratified, by age? If texting, online conferences, social media and other newer communication methods have become the norm, has everyone been encouraged to use them, and shown how? (On the other side of the coin, if you still believe that a face-to-face conversation or a phone call sometimes beats a volley of emails or text messages, have younger workers gotten that message?) When there are opportunities for specialized training and advancement, make sure they are presented to all employees. It’s not just the fair thing to do, it also gives you the maximum opportunity to find the best person for each position. And it can help you avoid a discrimination charge under the Age Discrimination in Employment Act.
Return-to-work programs
Every employee needs to understand that if he or she is injured, your policy is that they will return to productive work as soon as possible
– even if that means temporary modified duty, reassignment, or some other form of accommodation. A landmark 2004 study by occupational medicine specialist Dr. Glenn Pransky concluded that the employer’s response to the injury, and the degree of attachment the worker feels to his or her employment, are far more important than the severity of injury. Communication – with medical providers and your workers’ compensation insurer, and between the employee and the supervisor – is an essential component of a successful return-to-work program.
Kathleen Egan and Kenneth Mitchell, return-to-work specialists with disability insurer Unum, wrote in Workforce Management magazine, “Recovery progresses quickly and successfully when there is a combination of early mobilization treatment and increased transitions back to a normal way of living. Workplace managers play a key role in the recovery process when they involve the physician and the employee in return-to-work planning and a discussion of the need for temporary modifications in the workplace.”
Again, our CIMA Risk Control Services staff will be happy to help you develop a return-to-work plan that suits your organization.
William R. Henry is director of communication for The CIMA Companies, an insurance and risk management firm with offices in the Washington and Baltimore areas – http://www.cimaworld.com

The Top 25 home based business ideas for baby boomers

If you are thinking about starting your own home-based business, the available options can be overwhelming. However, there are many tried and true home-based businesses that may be just what you are looking for.

Here are the top 25 home-based business ideas, in no particular order:

1. Personal trainer. If you are fitness-minded, you can start your own career as a personal trainer. Check out the National Federation of Professional Trainers for information about the certification process.

2. Yoga instructor. Begin sharing your expertise with others by teaching yoga classes. There are a number of online resources, depending on the school of yoga that you practice. The Yoga Alliance Web site provides information on yoga schools, certification, insurance, and so on.

3. Tutoring. You can start a business tutoring students by advertising at schools, the local YMCA, and other places frequented by families. If you have children, talk to their teachers and determine the needs of your school district.

4. Business coaching. Have experience with management or some other specialized business skill? Share it with others by becoming a business coach. The International Coach Federation provides certification and a coach referral service for its members.

5. Consulting. If you are an expert in your industry, such as finance, marketing, or mediation, consider beginning your own consulting business.

6. Medical and legal transcription. If you have transcription skills and the necessary equipment, you can easily work from home for a variety of different companies. Check local community colleges or online for transcription training courses.

7. Medical claims billing. This industry is one of the most popular work-from-home businesses — so much so that suspect companies have been popping up on the Internet and in classified advertisements. ELearners.com can help you locate transcription training courses online.

8. Accounting. There are many franchises and opportunities available for certified public accountants. If you are interested in getting certified, take a look at the Web site of the American Institute of Certified Public Accountants for information on specific state requirements.

9. Web design. If you can design quality Web sites, consider turning your skills into a home-based business. Although the software and hardware costs can be steep, good Web designers tend to be well-compensated for their efforts.

10. Desktop publishing. Do you have a creative flair for putting together brochures and newsletters? You can offer your own desktop publishing services to other small businesses. Software can be expensive, so make sure to give applications a trial run or take a course before investing in one.

11. Photography. If you are skilled with a camera, you can open your own photography studio in your home. Keep in mind that you will need space to shoot the pictures as well as a light-free space for a darkroom if you decide to process your film and print your photographs yourself.

12. Home inspection. The National Association of Certified Home Inspectors Web site provides information on becoming certified to inspect homes.

13. Remodeling. If you are a gifted carpenter or contractor, you can turn your passion into your own business. The SBA provides loans to experienced contractors looking to renovate homes or businesses in order to sell them.

14. Interior design. If you have a flair for the creative, consider interior design. The American Society of Interior Designers Web site provides resources for aspiring interior designers, including a list of each state’s requirements for licensing.

15. Catering or personal chef. Consider starting your own catering or personal chef business from your own kitchen. You can set yourself apart from competitors by providing specialized services such as low-carb or vegetarian menus.

16. Gift baskets. Gift basket creation is a popular and creative home-based business. Target both individuals and businesses to increase potential sales.

17. Wedding planner. If you are an ace at organizing important events and have a Rolodex full of contacts, consider becoming a wedding planner. There are numerous online certification courses online, including one from Weddings Beautiful.

18. Personal shopper. If you are a great shopper with an eye for people’s personal styles, you can offer your services to those less inclined. In addition, consider providing a gift shopping service for those too busy to shop themselves.

19. Concierge. If you have a lot of energy, a love for the mundane, and the ability to juggle multiple tasks, consider providing a personal concierge to busy business people or parents.

20. Custom jewelry creation. Designing your own custom design jewelry can be a lucrative pastime. Make sure to wear your own creations as a way to drum up business.

21. Computer repair. Are you the person everyone calls when they have a computer problem? Turn this into a business and start getting paid for fixing fatal errors. Check out Geeks on Call America and Rescuecom if you are interested in franchise opportunities.

22. Cleaning service. If you are good at cleaning, consider offering your services to others. One way to go is with a franchise. CleanNet-USA and JaniKing are two of the largest franchisers in the cleaning market.

23. Carpet cleaning service. There are many popular franchises that allow you to start your own carpet cleaning business and receive the equipment and training you need. ServiceMaster Clean and ChemDry are two of the bigger ones.

24. A riding school. If you own your own barn, land, and horses, you can open your own riding school. Equisearch.com offers resources, including some useful articles on liability issues.

25. Child-care services. Turn your expertise with children into one of the most popular home-based business opportunities.

Baby Boomers – How to Enjoy a Retirement Vibe Without Retiring

Baby Boomers – How to Enjoy a Retirement Vibe Without Retiring
My 79-year-old widowed mother has a part-time job aiding elderly people in their homes. I used to be amused by saying that; I mean, 79 is elderly, isn’t it?
The fact is, her paid work is a mere four hours a week, a small piece of her portfolio of several self-chosen activities which keep her vibrantly engaged with life. My mom is an admirable example of the “new old.”
But I’m no longer amused at the irony of her employment since I read about an 89-year-old former airline pilot who works 25 hours or more a week helping older adults find jobs. Yikes!
Meanwhile, following this great generation are baby boomers bracing for a future that will have them working beyond the standard retirement age. If it looks like you’ll be working into your 60s, 70s or beyond, here’s a twist on telecommuting that can give you a retirement vibe without retiring.
Try telecommuting as a way to get out of town and still earn a living.
Am I suggesting you take your laptop computer on your vacation? No, not that. Definitely not!
Instead, consider a seasonal escape where you do your usual work in the salubrious setting of your choice for six to eight weeks.
Imagine the following temporary work set-ups (but not all three, of course!):
• February and March at your South Carolina condo
• June and July at a vacation rental in Idaho or Ireland
• Thanksgiving through New Year’s at your son’s home in another state
Sounds lovely, you say? But how is it possible? I’ve outlined 5 steps, below.
This flexible work life tactic assumes you are a “knowledge worker,” i.e., a professional who commutes daily to reach a computer and a phone to do your job. We’ll turn it around so that the laptop and phone goes to the worker (you) instead.
It’s a progression of steps over six months.
Why not start today?
STEP 1: Change your thinking about how your job gets done.
Begin to recognize that you can work from anywhere. This may be a new idea for you so the biggest obstacles are probably in your mind. (We’ll deal with your manager separately.)
Most telecommuters work remotely one to three days a week. While not widespread, there are employees who work full time from home. Your intended gig is working full time from (a temporary, faraway) home for only a season.
STEP 2: Arrange to telecommute from your home.
First, redesign your job into telecommuting.
Don’t be put off if there are some job tasks that you can’t imagine being done from thousands of miles away. We’ll get to that further down.
Set up remote access to your work computer through your employer’s network or using remote access software.
Over a period of weeks, work an hour or so on a few job tasks in the evening or a Saturday from home. Don’t make it a habit; your goal is to prove to yourself-and eventually your manager-that you can perform your job well from home.
After you’ve proven to yourself it can be done, present a proposal to your manager to work from home two or three days of each five-day workweek.
Assuming approval of your request (most long-term, trusted employees get the green light for at least a trial period), you’ll move to Step 3.
STEP 3: Nudge telecommuting from home up to the next level.
After three months of telecommuting two or three days a week, request to work four days a week from home.
STEP 4: Arrange an in-person meeting with your manager to assess your telecommuting arrangement.
Your mission is to gauge your manager’s true comfort and confidence level about your work set-up.
With six months or more of solid telecommuting experience, you will have likely improved your output. Most remote workers see double-digit productivity increases; with fewer interruptions and no socializing, what’s to do but work?
This foundation, paired with your positioning as a reliable, well-performing employee your manager doesn’t want to lose (right?), sets you up to get approval of your request.
Yet, you need to get a clearer view of the situation from your manager’s perspective.
Is your he or she blown away at your productivity output (at which time you can reinforce the value of remote work and how it adds to your job satisfaction and achievements)?
Or is your manager suggesting that four days a week working away from the office is excessive?
What else? Listen carefully (especially between the lines). Do a subtle probe of the attitude environment so you can figure your next move.
STEP 5: Request your seasonal remote work arrangement.
Based on the outcome of Step 4, you’ll know (or sense) if and when it’s a wise move to go forward with your request.
Let’s say you have a good vibe about it and you’re planning to ask.
Make your request at least two months before your anticipated start date; given approval, you’ll need the time to make travel and accommodation arrangements.
Ask for eight weeks of long-distance telecommuting so you have room to negotiate for fewer.
If you meet little resistance and you really only want three to six weeks, confirm your travel arrangements first, then immediately alert your manager to the adjusted dates.
Fine-Tune Step 2
Looking back at Step 2, are there job tasks that can not be performed from a remote location? Let’s tackle that issue by considering the possibilities.
Could those particular job tasks:
• be skipped during the weeks that you’re away from the office?
• be deferred until your return?
• be delegated?
• be done in a collaborative way via telework tools?
• be given work-around treatment*?
If you’ve set up a job sharing arrangement, Step Two has fewer obstacles.
*Imagine you had to take several weeks of FMLA leave to be with your elderly parent in a faraway state during his or her hip replacement surgery, rehab and recuperation. Beyond your ability to access your office computer from your parent’s home to do some work, how would you and your employer manage the other aspects of your job? There’s no perfect solution, but there’s usually a work-it-out solution. Think in those terms.
Make it Happen
Is this an unusual arrangement? Yes.
Is it really possible? Yes, if you follow the steps above over a sufficient chunk of time, you may be surprised at the flexible work lifestyle you can craft for yourself that has hints of a retirement vibe.
Flexible work adviser and pay raise coach Pat Katepoo equips career professionals to negotiate for more time and money at their current job. Will your boss say YES to your request for a flexible work arrangement? Find out using this quick 3-question quiz. Find more tools and tactics for a flexible work life after 50 at WorkOptions.com.

My 79-year-old widowed mother has a part-time job aiding elderly people in their homes. I used to be amused by saying that; I mean, 79 is elderly, isn’t it?


The fact is, her paid work is a mere four hours a week, a small piece of her portfolio of several self-chosen activities which keep her vibrantly engaged with life. My mom is an admirable example of the “new old.”


But I’m no longer amused at the irony of her employment since I read about an 89-year-old former airline pilot who works 25 hours or more a week helping older adults find jobs. Yikes!


Meanwhile, following this great generation are baby boomers bracing for a future that will have them working beyond the standard retirement age. If it looks like you’ll be working into your 60s, 70s or beyond, here’s a twist on telecommuting that can give you a retirement vibe without retiring.


Try telecommuting as a way to get out of town and still earn a living.


Am I suggesting you take your laptop computer on your vacation? No, not that. Definitely not!


Instead, consider a seasonal escape where you do your usual work in the salubrious setting of your choice for six to eight weeks.


Imagine the following temporary work set-ups (but not all three, of course!):

• February and March at your South Carolina condo


• June and July at a vacation rental in Idaho or Ireland


• Thanksgiving through New Year’s at your son’s home in another state


Sounds lovely, you say? But how is it possible? I’ve outlined 5 steps, below.

This flexible work life tactic assumes you are a “knowledge worker,” i.e., a professional who commutes daily to reach a computer and a phone to do your job. We’ll turn it around so that the laptop and phone goes to the worker (you) instead.


It’s a progression of steps over six months.


Why not start today?


STEP 1: Change your thinking about how your job gets done.


Begin to recognize that you can work from anywhere. This may be a new idea for you so the biggest obstacles are probably in your mind. (We’ll deal with your manager separately.)


Most telecommuters work remotely one to three days a week. While not widespread, there are employees who work full time from home. Your intended gig is working full time from (a temporary, faraway) home for only a season.


STEP 2: Arrange to telecommute from your home.


First, redesign your job into telecommuting.


Don’t be put off if there are some job tasks that you can’t imagine being done from thousands of miles away. We’ll get to that further down.


Set up remote access to your work computer through your employer’s network or using remote access software.


Over a period of weeks, work an hour or so on a few job tasks in the evening or a Saturday from home. Don’t make it a habit; your goal is to prove to yourself-and eventually your manager-that you can perform your job well from home.


After you’ve proven to yourself it can be done, present a proposal to your manager to work from home two or three days of each five-day workweek.


Assuming approval of your request (most long-term, trusted employees get the green light for at least a trial period), you’ll move to Step 3.


STEP 3: Nudge telecommuting from home up to the next level.


After three months of telecommuting two or three days a week, request to work four days a week from home.


STEP 4: Arrange an in-person meeting with your manager to assess your telecommuting arrangement.


Your mission is to gauge your manager’s true comfort and confidence level about your work set-up.


With six months or more of solid telecommuting experience, you will have likely improved your output. Most remote workers see double-digit productivity increases; with fewer interruptions and no socializing, what’s to do but work?


This foundation, paired with your positioning as a reliable, well-performing employee your manager doesn’t want to lose (right?), sets you up to get approval of your request.


Yet, you need to get a clearer view of the situation from your manager’s perspective.


Is your he or she blown away at your productivity output (at which time you can reinforce the value of remote work and how it adds to your job satisfaction and achievements)?


Or is your manager suggesting that four days a week working away from the office is excessive?


What else? Listen carefully (especially between the lines). Do a subtle probe of the attitude environment so you can figure your next move.


STEP 5: Request your seasonal remote work arrangement.


Based on the outcome of Step 4, you’ll know (or sense) if and when it’s a wise move to go forward with your request.


Let’s say you have a good vibe about it and you’re planning to ask.


Make your request at least two months before your anticipated start date; given approval, you’ll need the time to make travel and accommodation arrangements.


Ask for eight weeks of long-distance telecommuting so you have room to negotiate for fewer.


If you meet little resistance and you really only want three to six weeks, confirm your travel arrangements first, then immediately alert your manager to the adjusted dates.


Fine-Tune Step 2


Looking back at Step 2, are there job tasks that can not be performed from a remote location? Let’s tackle that issue by considering the possibilities.


Could those particular job tasks:

• be skipped during the weeks that you’re away from the office?


• be deferred until your return?


• be delegated?


• be done in a collaborative way via telework tools?


• be given work-around treatment*?


If you’ve set up a job sharing arrangement, Step Two has fewer obstacles.

*Imagine you had to take several weeks of FMLA leave to be with your elderly parent in a faraway state during his or her hip replacement surgery, rehab and recuperation. Beyond your ability to access your office computer from your parent’s home to do some work, how would you and your employer manage the other aspects of your job? There’s no perfect solution, but there’s usually a work-it-out solution. Think in those terms.


Make it Happen


Is this an unusual arrangement? Yes.


Is it really possible? Yes, if you follow the steps above over a sufficient chunk of time, you may be surprised at the flexible work lifestyle you can craft for yourself that has hints of a retirement vibe.


Flexible work adviser and pay raise coach Pat Katepoo equips career professionals to negotiate for more time and money at their current job. Will your boss say YES to your request for a flexible work arrangement? Find out using this quick 3-question quiz. Find more tools and tactics for a flexible work life after 50 at WorkOptions.com.




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