Tag: 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.

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.

What will my retirement lifestyle look like

Are you thinking about retirement?… Not yet! The thirty-something might say…

Let me ask you this question… What would your retirement lifestyle look like, if you did think about it?

Most of us don’t want to think about the amount of funds we will need to be able to retire comfortably. We may have done the sums based on the super we have now, a panic runs through us, so we shut down. I’m stuck in this 9-5 job for the next twenty plus years and the chances of things changing are remote, you might say.

All the news reports are doom and gloom about retirement, they are now saying we will need one million dollars to retire comfortably in 2017. Who knows how much that will blow out to in the next ten years. They also say that 1 in 3 woman retire with no super and the rest only have $100,000 and men with $200,000 in retirement funds. If that’s not enough the government wants us all working till we are seventy.

This doesn’t look like a future retirement dream to me….

The media is correct

One thing the media is correct in saying… we need to do something more to secure our future retirement lifestyle.

When you look at the figures presented, a single person living on approximately $25,000 and a couple around $35,000 is not much of a lifestyle. You are on the poverty line.

I can relate to people not wanting to think about it, I did that for years. It’s not that I didn’t want to prepare, its more like I couldn’t see a solution. Throw in a few of life events, death of a partner, divorce and illness, all these circumstances can impact on your future retirement lifestyle dream.

Live your retirement!

Even if you are enjoying a great income… you have a nice Superfund nest-egg and own your own home, things could still go pear shaped.

We really need to have multiple income streams or know how to produce them.

Many are comfortable… with their retirement nest-egg working for them, they are also deriving income from their investment portfolios and life is good.

Or should be…

However there are just as many even though they would be classified as financially secure, do not enjoy their retirement they don’t want to spend it, they are full of anxiety and fear about the next rainy period, and they have forgotten how to live life.

So it’s not just about money, it’s about balance…

What would be the point of working hard all your life, if you didn’t know how to enjoy your retirement.  Or you are too scare to let go and live.

Personally, I think some get caught in a loop of collecting security in the form of super or property, it’s similar to the 9-5 treadmill many of us find ourselves on, but this treadmill goes on till they die. (if they don’t enjoy their wealth, their children or grandchildren or relatives will)

 

What is the answer? Retire before retirement!

In my opinion the answer is simple, you retire before retirement age. That doesn’t mean you sit on a beach somewhere doing nothing… it means living life on your terms and if that should mean sitting on a beach with a beer in hand in some exotic location, so be it. It’s your dream not mine after all! Find out what your why is?

How do I retire before retirement?

We have already established that some retiree spend little of their money, just in case of an emergency. They may well have their nest eggs working for them, however… this can have a psychological effect after working for decades in the corporate world, or in a previous business.

There is only one way to retire early….  learning to create an income stream that you can develop before retirement age, one that can eventually replace your existing income, and can support a retirement lifestyle without the stress of a conventional business.

A business that isn’t age specific, with ongoing support from a community of like minded individuals and mentors. An online business where you can earn, while you learn. There is such a business, subscribe to my email list and receive a seven day video series, for more information, gain some insight to the possibility of retiring early.

This of course is not realistic to many, the answer is always a simple one, but the implementation is the challenge. I’ve said it before you have to have a business, your own income streams. There is an endless variety of opportunity available today, some of them good.

Learn more about this opportunity by joining my email list…