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Category Archives for Retirement Income

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:,, and
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 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

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. 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. 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.

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