Retirement Income

The economy is not being kind to retirees and those approaching retirement. I am a baby boomer myself and have given much thought to how to get the most out of what is already in place and how to get those extra dollars to stretch the budget. In my web browsing I found some useful info & have brought the links to you.

www.thefinanceanalysis.com

www.retirement-income.net12/11/11

Although you might invest some of your extra retirement money in mutual funds or ETFs that cater to big capitalization shares, you should try to include real estate investments…..

 

www.thefinanceanalysis.com

www.thefinanceanalysis.com1/23/12

May I maintain a good revenue through my retirement? That's the worry of most retirees. Let's get a perspective on what you have to manage.Your.

 

This one is not so recent, but has some good advice:

Financial Planning : How to Calculate Retirement Income

It can be difficult to calculate retirement income because it's hard to estimate what things will be like in 20 to 30 years, which is the case for many people. Discover why a conservative strategy is useful when planning for retirement with help from…

[youtube http://www.youtube.com/watch?v=X8CyyBiueoo&version=3&f=videos&app=youtube_gdata]

Christmas bonuses coming soon!

I seem to have wandered from the topic of computers in the last few posts, but don’t worry, I have quite a few gifts for all my readers of the internet marketing kind and others of general interest.

I can’t resist getting new products sometimes so I’m going to make many of them available to my subscribers free for a week (sometimes a reseller licence does not allow a product to be given away free).

I should have it all ready in the next three days, so keep watching this space!

Cheers

Trish

Affiliate Marketing

If you’re interested at all in making some money with your computer, as a sideline or as a serious business, you probably already have a good understanding of what affiliate marketing is all about and you may already use it, however there are a number of other readers who don’t know what it is and would like to understand how the process works.

Affiliate marketing is a partnership between two business for their mutual benefit, a win-win situation and is basically the process whereby one business recruits a network of smaller businesses or websites, known as affiliates to drive targeted traffic to the website which contains an offer to sell something.

The process works in two ways as you can be the person having an affiliate program, in which case you pay each of your affiliates when someone they refer makes a purchase or, the other side of the process is that you can be an affiliate for someone else, so that you are finding buyers for his product or service and you are paid a percentage commission for your work. There is nothing new in this concept, it’s just like the travelling salesman of old transitioning to the internet.

The beauty of this process for the beginner internet marketer is that you need very little start-up capital, you don’t need something of your own to sell and you don’t have to worry about ad copy and links for your marketing as they will be provided by the advertisers. You can even start without having your own website, by sending emails, writing articles or reviews for e-zines, article directories, off-line publications etc.

To get referrals who purchase, you need to concentrate on an audience that has some interest in the product or service you are promoting and then focus on important points like how the product can make something in their life easier, faster or more enjoyable. You can also stress what the product saves them from as people will do almost anything to get rid of some problems, such as having pain. In other words, point out the benefits this product would bring to your reader and not the features of it.

There is plenty of information on the internet to show you exactly how to get started but if anyone is interested an having more on the subject in this blog, post a comment below with a few details of what you’d be interested in.

How to Make A Great Flyer

Flyers are a great way to advertise something for yourself, for an organisation you belong to or for marketing both online and off. There’s no need to be a genius to create a great one, either; if you have some basic tools and follow these guidelines, you’ll be able to design your own flyers in no time.

1. MICROSOFT WORD – Begin with a basic software program like Microsoft Word or Publisher. Open up the program, then look under “File” then “New” to see if there are already existing flyer wizards for documents or templates. If so, start there and adjust one to suit your needs.

2. COLOR – First take a look at your project budget. Is there room for full-color printing of hard copies to distribute? If not, don’t worry. Regular black ink on colored paper produces nice looking, professional flyers. Coordinate the paper color with a theme for the month, like green paper for St. Patrick’s Day or red or blue for the 4th of July.

3. TEXT / FONT – Don’t have too many different fonts, text sizes and styles in one document. Just choose a couple of complimentary fonts and sizes. For ideas on which to use, start a collection of flyers that are stuck on your door, around your mailbox and placed on your car’s windshield. Search your favorite industry web sites for ideas, too, by looking at their online documents for downloading. Print them out and check to see what you link and don’t like about them.

4. PULL TABS – Add pull tabs to the bottom, so that if the flyer is placed on a bulletin board, passersby can pull off a tab and take the info home with them. Check the Help menu for directions. Basically you add a wide text box along the bottom portion of the flyer. Then you insert one row of columns. Click on the first column and write what you want to say – not much fits here so take care! Maybe use your URL or website address and phone number. The text will run horizontally like normal, reading from left to right. So what you do is highlight it and click on “Format” from the top menu, then “Text Direction” do make it run vertical and fit in your tabs. Do the same for each tab.

When you’re finished, print flyers for local distribution or email to others to print as needed.

For business building, you can also turn the document into an Adobe .pdf file to distribute online. Upload it and include links to it in your emails and forum posts. Attach the pdf to emails when you know recipients accept attachments and can take a look, too. Reach out online and off with great looking flyers and grow your business one step further!

Computer Crash! Prevent Loss of Your Valuable Data

Have you ever had a computer crash and all your data was lost?

Most likely your computer’s hard drive failed & this happens more frequently than we’d like and for all sorts of reasons. Another major risk to your data is fire, flood or theft. The following strategies will help you to protect and recover your data.

Although the software files for the programs that run on your computer is also data, you don’t need to back that up as it is easily recoverable from the installation disks you received when software is purchased.

The data that we will focus on is “user” data specifically, the data that you create from the software programs that run on your computer.

For example, if a word processor is used to create a document or a letter, the word processor provides functions to save this data. The data that is created and saved through the word processor is “user” data. Most programs will create and save data somewhere on the hard drive.

There are many kinds of user data that are usually stored on the hard drive, do you have some of these?

  • letters you write in a word processors
  • flyers / posters for your clubs
  • business cards
  • spreadsheets
  • greeting cards you’ve made
  • accounting data from a money management program
  • picture files
  • music files
  • video files
  • email and email addresess

This is not a complete list, but to give you an idea of what you might have created and could lose if your computer crashed or in a fire or theft. Most people do not pay enough attention to this basic fact about computer systems until it’s too late. Don’t let this happen to you!

Remember, the key is “prevention” and in order to prevent loss of valuable data you must be prepared, so let’s look at some basic backup plans.

Option 1: Save your data to CD or DVD disks
This is by far the cheapest option and a very good approach to securing user data, especially if you don’t have too much. All that is needed is a CD or DVD burner and some blank disks, which cost very little these days.

When using this option, make two copies so that one of the copies can be stored off site, to protect you against fire, flood & theft. Another reason is that a CD or DVD backup can also become corrupted & it’s better to have two or more copies.

Option 2: Use a memory stick (USB stick)
This will cost a bit more than option 1, but USB sticks are getting cheaper & cheaper all the time, and holding more data as well. One advantage is how small they are and easy to carry around. I bought a waterproof one when they first came out for my client’s data and was very glad I did so, as it went through the wash twice and still worked fine! (I did have other backups though & I still use that drive today!.)

Option 3: Consider having two internal hard drives, especially if you have a lot of user data, especially big pictures or music files.

Most home computers generally all come with only one internal hard drive, which stores both software and user data. This means that this one single hard drive is experiencing a lot of wear and tear. Every time a program is launched it’s being accessed. Every single function that the operating system invokes will likely hit the hard drive etc. This heavy wear and tear can eventually lead to physical failures.

Also, many viruses are designed to hit the operating system & if the user data is on the same physical drive as the operating system, then it can be severely impacted by viruses as well. The disadvantage of this method is that it doesn’t protect you from fire, flood or theft, etc, but it is probably the easiest way to automate backing up your files.

Option 4: Attach an external USB Hard Drive to the system

With the price of hard drives getting much cheaper, this is another really good option. By attaching an external USB hard drive to the system, special backup programs can be installed and scheduled to run over night. There are many cost effective backup programs available. Some will be built into your operating system and others are available free – search on the internet and you’ll find plenty of options. The advantage of the external drive is that your work is still physically separated from the main hard drive and can be taken off-site with you.

Option 5: Online backup service
The services are fairly inexpensive (typically about $5 a month), and the best ones won’t noticeably slow down your PC use or Web browsing (after the initial large upload, at least). They also encrypt your data before, during, and after it’s been sent to industrial-strength servers. There are no discs or USB drives to worry about, either. The service can start processing and uploading files automatically on a schedule or in the background when there are enough free cycles available.

How often should you make backups?

This really depends on what your data is. If you are only using your computer for emails and writing letters, perhaps once a week is sufficient. When you’re doing work for someone else, it’s wise to keep doing incremental backups as you go, every ten minutes, every hour perhaps. It’s a decision you need to make for your personal circumstances. I personally do my backups before I go away from my work area and every night. The main thing is, remember to DO IT!

Summary

  • You need to backup your user data in case of computer crash or fire or theft
  • Back-up frequently, as often as needed to make it easy to restore your work to where you were
  • Use at least two different methods
  • Keep one copy of your backup data away from the computer (prevent loss if fire or theft)

Hopefully this helped you become more aware of the importance of your data and the need to back it up.

The options presented here are the very same methods used by many highly experience data processing centers and can be easily adopted by the average computer user. The most important point to remember is that good planning for potential disasters is the best protection against loss of valuable user data. You may not think of it this way at first but the user data that you accumulate on your computer takes time to build up and acquire.

If you value your time then you’ll value your data. Your data has a lot of value. So why not take a few simple steps to protect it.

New Blog for Senior Computer Users

Hi everyone, welcome to the new blog.

The purpose of this blog is to create a community where folk of senior years and other beginner computer users can all learn from each other and support each other in our journey towards making more use of our computers and finding ways to earn extra income from them and from the internet.

For those unfamiliar with the word ‘blog’, it is derived from the term ‘web log’ and is basically a website, usually maintained by an individual, with regular entries of commentary, descriptions of events, or other material such as graphics or video. These entries are commonly displayed in reverse chronological order.

Blogs are a great way to involve people because they give everyone a chance to make comments on any material posted or to send in helpful answers to problems other members have written in about, so this blog will be replacing the newsletter that some of you were receiving.

Many of you don’t know me, so I’d like to introduce myself. I am a baby boomer, living in Queensland, Australia at present, but thanks to the internet, am in frequent contact with people all over the world. I have two daughters and three grandchildren living on the other side of Australia and the rest of my family living in New Zealand or scattered all over the globe. Naturally I am a frequent user of email & Skype to keep in contact with them. (For those who don’t know about, or use skype, it uses the internet to make long distance phone calls that are free to other skype users or allow you to ring someone’s regular phone very cheaply. We will be doing an article about skype and other similar systems – so stay tuned. If you register to receive email notification of new posts, you’ll get the news immediately this topic is posted.)

I have been a computer buff for twenty years or so after buying my first home computer. Believe it or not, it didn’t have a hard drive at all, just 2 single sided 5.25″ floppy disks and just a little amber screen about 150 x 100mm!

While not an expert in any area, over the years I have helped many, many people to learn how to use their computer better and about eight years ago I started giving structured, one-on-one computer lessons, mainly for seniors.

During this time, I came across a great number of people who had acquired a computer by various means, some by being given an outgrown desktop model from family members who had upgraded, or buying a cheaper PC (personal computer), new or second-hand for themselves or even, as my own mother has done, buying a laptop for the convenience of being able to use it anywhere (like in a warm room in winter!).

One of the things that saddened me was to find that many of these owners would like to get more use from their PC, but were scared to do much in case they damaged something; they didn’t know how to do more than just some of the basic tasks and in many cases, ended up only using these marvellous tools for email and playing patience (or solitaire, if that is how you know it). If this is you, don’t worry – playing solitaire is a great way to become proficient with your mouse!

Now that’s fine if you are happy to be just using your computer for email because it certainly allows you take keep in touch with distant relatives and friends almost instantly. However, for those who would like to take advantage of other functions and features, I’m hoping that the information in this blog, and the comments from others, will inspire you and bring you information and tools to assist you as you learn to make your computer work for you.

Learning can be great fun or it can be a drag, it all depends on how you approach it and what you want to get out of it. Naturally the reasons for people wanting to learn more will be many and varied so the plan is to present some projects/information for beginners and some in varying levels for more advanced users. I won’t be re-inventing the wheel, but will be bringing together ideas, games and projects devised by others into this blog, so that you have a base to work outwards from.

Working along alone is sometimes hard and we lose momentum and hope. I’ve found from personal experience that by belonging to a community of like-minded people, there’s nearly always someone ‘out there’ who can help with something you’re stuck on, or just to say ‘hey, I know what it’s like. I nearly gave up, but hang in there, try this and you’ll soon have the hang of it’.

Do you know that studies have shown that the point where most of us give up is when we are nearly there? I’m sure this resonates with some of you, it certainly did for me when I first heard it. So, hang in there, ask a question, make a post – just don’t feel isolated as there are thousands of people our age out there getting a great deal in so many ways from our PCs.

There will be articles from other senior clubs and forums, ‘how to’ articles, reviews of products and also a special area devoted to using your computer and the internet to earn money. I doubt that there is anyone, not matter what age, who would not find it useful to have another stream of residual income, so there will also be links to information, programs and products that could be helpful on your journey.

I would love to hear suggestions from readers on topics they’d like to learn about so please write your ideas in the ‘Suggest Ideas’ area. You also have the opportunity to make comments after any post. Perhaps add extra ideas or methods that have worked for you and would help others. If you think what is written is rubbish, you are free to say that also, but please abide by the rules, no spamming, no personal attacks and no offensive language.

It is my hope that by coming here often to check out what is on offer we can become a community that shares and grows together.

If you would like to be sent an email whenever there is a new post, enter you name and email address in the form on the home page.

Please be assured, this site is not primarily to push you to buy anything. I would be happy for you to join in, contribute your ideas and never buy a single thing, but please respect the position of others who may want to do so, especially if they are building an on-line business. I would not be where I am today without buying products and mentoring along the way so there will be space for featured & recommended products as well as helpful hints, ideas and general information here on the site. If any readers wish to contribute original articles, please email me.

Looking forward to hearing from you.

Best wishes, Trish