Category: Happiness

Is a partner a retirement plan

The reality is, life isn’t easy for a female even in the west. We are paid less, which equates to less in retirement income. Climbing the corporate ladder is still a challenge for women and is reflected in most industries. However, the purpose here is not to discuss the plight of women, we all know that the utility companies don’t reduce our power bills because we are female.

I remember reading somewhere or it was alluding to the notion, that woman shouldn’t view a husband or partner a retirement plan. Unfair? Yes… to a certain extent, particularly when large chunks of our working life are taken up with having and looking after our children or even our parents. Which means there is no retirement fund building through paid employment.

Learn to look after yourself

The truth is, we women need to take control, and look after ourselves, life is full of twists and turns and we could find ourselves on the outer, and alone… without an income. It can happen to any of us and is happening to thousands right now.

It’s always about the money…

It’s always about money, income or the lack of it. Looking after ourselves means creating an income now and for the future. It can be done, you can learn how to look after yourself. Being employed at a traditional job means your income is pinned to so much per hour, per week, per year.

Your nest eggIf you are female, single and over forty, how is that going for you??

You’ve got that nest egg set up for your future retirement? Career is going well, great income, life is good! No worries life is just going along smoothly. Out with the girls on the weekends and I do have a partner, weekends away, what more could a girl want?

That’s wonderful you need not read any further…

Just a minute, fast forward twenty years, you are now sixty plus, retirement is looming, that nest egg isn’t that big, in fact it’s not going to be enough for the next couple of decades. You’ve been struggling the last few years, finding work has been a real challenge. Your health could be better, but you manage ok. You’ve been single for a while, no shared expenses, and you prefer it that way.

Perhaps you would rather not think about the future…

There is a solution

The only way is to create an online business, a digital business where the only ceiling on income is the one you put on yourself. This is a business model that is working for many women, there is equality and you can create a secure lifestyle for yourself.

Does it take work? Yes, it does, it’s not a get rich quick scheme, it’s not multilevel marketing, it requires dedication and commitment. You must learn the ropes, you will make mistakes and feel frustrated, however you will have support and mentors to model off. Woman and men have succeeded and are living a secure lifestyle which everyone deserves.

If you are remotely interested in learning about another way to look after yourself and become independent and start your own digital business, look at the Seven Day Video Series. You have nothing to lose and everything to gain. Click on the link below for access.

Do you feel stuck?

Recently I was walking along my local beach and I saw a woman with a baby in a pram bend down, and picked something up from the sand, and place it back in the sea. As I walked past I said, “Was it a small crab? No… she said, a little fish stranded on the beach.” I continued walking and glanced back to see her walk back down to the sea, and place something else into the water. It got me thinking about feeling stranded or stuck…

Usually in the marine world anything washed up or stranded on the beach, is there for a reason, and although we may attempt to rescue the poor creature, eventually it ends up stranded further along the beach.

It’s a bit like life, we sometimes feel stranded or stuck or even isolated. Although surrounded by people and activities and responsibilities, we don’t feel part of what’s going on.

It’s my opinion, based on decades of life…  that’s where we are supposed to be. Stuck… because we are not ready to move forward. Stranded because we are not ready to be thrown back into the sea of action.  Isolated because we are still processing new ideas or processing different ways of thinking … hopefully it will only be for a short while. We are where we need to be now…

A change of attitude and action can seem to happen almost overnight. But I don’t believe this is strictly true, many times its proceeded by a period of growth and not always pleasant. Life isn’t filled with rainbows and lollipops. At times we need to change our thinking and thought patterns, this takes time and can be mentally painful.

“Live and love yourself forever, because we are all stuck with what we are.” 

~ M.F Moonzajer ~

For example, if you must decide about something, you may resist the change even though you know it’s inevitable. Resistance is not necessarily being stubborn. For whatever reason you are not ready to move forward, this process can’t be hurried. Unless you are standing on the edge of a cliff and someone is chasing you with an ax, and the only way to escape is by jumping in the sea. If you resist here, you may end up on the CI (Criminal Investigation) channel.

“As long as you’re moving, it’s easier to steer.” 
~Anonymous~

I look over the years and see a pattern of behaviour in myself, a pattern of cycles starting from my youth, to this very moment in time. We can be too hard on ourselves during these periods of change and beat ourselves up for not moving forward, or taking ‘massive action’ a popular phase that is frequently used.

Gillian CallcottYou can’t hurry this process, it takes time… especially if you are working on yourself.

A break through usually happens when you have reached your capacity.

Take care and be kind to yourself, you will become unstuck in due course.

Life is a cycle, which includes your emotions.

“It comes and goes in waves, it always does, it always does. And carries us away.” Dean Lewis -Waves lyrics

 

 

 

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Life changing event

What life changing events have impacted your income?

What will happen if you get sick and can’t work? What will happen if you have an accident and can’t work? How will you look after your family? How will you look after you?

This is happening right now to thousands of people worldwide. Some have insurance or funds in the bank to carry them for a while till you get back on their feet.

Maybe you have 3-6 months of funds, you have that buffer zone. Others aren’t so fortunate. Perhaps you never got around to setting anything up or have a pre-existing condition that prevents you from any type of insurance. Once you are on their database, that’s it!

It doesn’t matter how you arrive at this point, you’re here now, and its little comfort to say…. Oh, I did prepare, but my insurance is running out or, I didn’t have enough insurance to lead a comfortable life. We have all reached the same point, we have had a major life changing event. And it doesn’t matter what it is.

However, there will be some people in your circle of influence full of criticism and judgment because of your circumstances and these maybe people very close to you. This is the last thing you need during a stressful event, but unfortunately that’s when they sometimes come.

Finding another option

Perhaps your accident or illness stops you from working your previous career. You can work and you are searching to do something while coming to terms with your change of circumstance, change of lifestyle and change of income.

Or maybe you now have a long-term illness that will require on going treatment or you would like to investigate other therapies regarding your health. Without an income, this will be a challenge or maybe out of the question.

It really doesn’t matter what the reasons are, or how you got there, you now must find a way of creating an income. You don’t want to be worrying about making ends meet for the rest of your life.

Creating a new income stream

There are many opportunities available online and the beauty of a digital business model is that you only need an internet connection, a laptop and a small amount of capital compared to traditional business models.

I’m speaking to people like yourself, because I have a long-term illness and needed to find a business model that would work for me and my current circumstances. It took me time to come to the realisation of what my future lifestyle would be without an income.

I’ve been online for many years and have made some income..

However, some of the online business models I’ve worked at, didn’t always stand up to scrutiny, there was something missing.  In some cases, there was no longevity, after a short time they literally evaporated and disbanded their people. In addition some had questionable tactics the were at odds with who I was.

So, I started looking for an ethical business model, that had been around for a few years, with a community of people that I could relate to, along with leaders that were involved and were interested and wanted you to succeed. Leaders that kept in contact with their people.

I found a business model which allows me to be myself, it doesn’t stamp me with a cookie cutter, I can still do what I love, be who I am, while earning and learning. This business model took a while to sink in, I was so use to other online business models that wanted to herd you into a tight niche without allowing you to be who you are.

If this describes what you would love in an online business, I encourage you to subscribe to my email list and receive one video per day for seven days. These videos will give you a feel for what this is all about.

You have nothing to lose and everything to gain.

lost opportunities in life

Are you frightened to take a risk? Are you willing to try new things? Do you regret lost opportunities? Or do you crave a change of scene or change of career and are fearful of taking the chance?

I would like to take you on a short journey into the past, a journey that for some is full of regret and lost opportunity.

This is a story about a beach shack, built behind sand dunes, facing the powerful Pacific Ocean.

It was an old beach house when I was thirteen, two storey fibro, with another living space underneath and a small flat at the back.

My parents rented this beach house from an elderly couple who they got to know very well.

I loved that place, and spent many summers on the beach. The thing I remember fondly were the nights or should I say the early morning hours.

I would wake up frequently around 2am and go down to the bottom of the garden and sit on the timber bench and watch the surf roll in.

I recall moonlight nights when the beach was like daylight and the water would shimmer like a hot summer day.

Other nights the sky was ink black and lit up like a Christmas tree, the milky way clearly visible… I would sit there and look at the constellations and try and pin point each of them. They are great memories to be cherished forever.

During this time my parents were given an opportunity of a lifetime, an opportunity to purchase this beach house, this beach shack, this place I loved.

The elderly couple approached them because they really liked them, even I could see that at thirteen.

They even offered vendor finance, I remember them saying the flat rental underneath will assist with the mortgage and the little flat in the front can also be rented. (although it wasn’t council approved) I recall being excited by the prospect of living forever in this house, especially at thirteen.

But there was an obstacle for my parents…. the weather hadn’t been good, we had cyclonic winds and beach erosion, and further along the beach an old beach home was in danger of being swallowed up by the surf.

This created a lot of fear for my Dad especially, he was and still is an anxious and extremely cautious person.

I can remember the discussions my parents had about taking on this property and living on the beach front, and to be fair… the Pacific Ocean when its angry is rather frightening.

Well I don’t have to tell you what happened….

My parents didn’t take up the offer, this once in a life time opportunity, this house which would eventually be worth millions, this beach shack that is still standing to this day nearly fifty years later.

In fact my Dad doesn’t even like walking past it now, even at ninety two years of age, at the time of writing this post, it still hurts, his lost opportunity, a lifestyle lost. Although my parents have done well, regrets still haunt them years later….

Yet others can brush themselves off and start again without looking back. This post was written with the approval of my Dad, he read it and watched the video I took.

What about you, any lost opportunities? Any regrets? I am sure there is, but the good news is there is an opportunity waiting for you now… if you are looking for a change, an opportunity to get started in the digital economy, its waiting for you.

Just put your name in the form below and receive a 7 day video series, one video everyday in you inbox. Check it out.