Hobbies for Seniors and Retirees on a Budget

Hobbies-seniors-budget

I was recently made aware of a great article for Seniors with time on their hands & perhaps looking for new ideas of things to do to  make their lives more rewarding.

Baby boomers are reaching retirement and anxious to get started living. Taking on a new hobby will fill the void of no longer working and break up the repetition of everyday life.

There are a number of benefits to taking up a new hobby in your golden years. Traveling can provide a new perspective on life, volunteering can help build your social network and writing can keep your favorite memories intact. In fact, The National Institute on Aging reported that the benefits of seniors maintaining active lifestyles include a longer life span, improved thinking abilities and help coping with loss.

Some of the topics covered are Low-Cost Hobbies:

  • for Seniors with Mobility Limitations
  • for Seniors Looking to Stay Social
  • for Seniors with Dementia
  • to Improve Brain Health

Click the image below to see the full article:

low-cost-hobbies-seniors

Make Money with Affiliate Marketing – Part 1

Choosing a Good Niche
Considering how well affiliate marketing can be automated and how passive the income could be, it’s very easy to get excited.
But the bottom line is that the vast majority of people who try their hand with affiliate marketing have very little to show for the time, effort and energy they put in.

Target Customers

 

Where did they go wrong? 

More importantly, how can you avoid the mistakes that they typically make?

IT ALL BOILS DOWN TO PICKING THE RIGHT NICHE

What is a niche market? Essentially, it is a division of a mainstream market; it is a small market that addresses that needs of a specific group of people. Analyze what you are selling or what you want to sell. It should be in an area where you have gained good knowledge. It may have a wide appeal, but you need to focus on those it appeals to most.

For example, does your product appeal to musicians? That’s a pretty wide market. Now narrow it down. Who is most likely to be interested, singers or instrumentalists? From there you might want or need to narrow it down even further. For example, your product might appeal to musicians of a certain age, or musicians who favor a certain kind of music or even a particular type of vocalist.

After narrowing it down as far as you can, think of the most appropriate keywords.

Next use a site that tracks keyword usage (just search for “Free Keyword Tool”) to see if there are plenty of users searching for that kind of information. If there are enough potential customers and the competition is low, you may have found your niche.

Part 2 coming soon – Getting Free Traffic

Resources for Seniors Updated

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I was recently contacted by Kathleen Carter from http://educatorlabs.org/who has put together a collection of resources for seniors and the various challenges we face as we grow older.

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I hope this will be of value to any seniors among my readers or those who are carers for someone with a disability or other health problem.

 

smiley houseFrom Elmer George of elderville.org

“As a senior who recently purchased a home and made significant modifications to it, I can’t tell you how much people like me (people of all ages, really) appreciate having easy access to info about buying and maintaining a home.” so here are his list of recommended links.

 

A Guide to Downsizing for Seniors and Their Loved Ones
Should You Own or Rent a Home in Retirement?
Saving for a Home Post-Bankruptcy: A Three-Step Guide for Families
7 Home Improvement & Remodeling Ideas That Increase Home Value (And What To Avoid)
How to Deter Burglars: Keeping Potential Robbers Away From Your Home

 

Resources for Seniors

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I was recently contacted by Kathleen Carter from http://educatorlabs.org/who has put together a collection of resources for seniors and the various challenges we face as we grow older.

.

I hope this will be of value to any seniors among my readers or those who are carers for someone with a disability or other health problem.

 

From Elmer George of elderville.org

“As a senior who recently purchased a home and made significant modifications to it, I can’t tell you how much people like me (people of all ages, really) appreciate having easy access to info about buying and maintaining a home.” so here are his list of recommended links.

A Guide to Downsizing for Seniors and Their Loved Ones

Should You Own or Rent a Home in Retirement?

Saving for a Home Post-Bankruptcy: A Three-Step Guide for Families

7 Home Improvement & Remodeling Ideas That Increase Home Value (And What To Avoid)

How to Deter Burglars: Keeping Potential Robbers Away From Your Home

 

2 Simple Steps to Make Your Retirement Savings Leap

The fall in value of currencies, while costs continues to rise is causing millions of older people around the world to fear what their life will be like in their senior years. There is so much uncertainty that retirement savings carefully put aside for all those years will no longer be sufficient to provide the expected comfort in later life. Such questions as what would happen if they developed health problems, what if one partner dies and the other is left, what if they could no longer afford to live in their family home.

It is not all doom and gloom. According to USNews Money department writer, Richard Satran in an article published 5th March 2103:

Fear has motivated people to start saving more, but here are two positive ways to upgrade savings

Older couple reading a document while sitting together

Given a half-decade of economic uncertainty, fear may still be the biggest motivator for retirement saving. The financial crisis inspired people everywhere to save more and hold off on short-term spending. “It shook people out of their complacency and got them thinking, ‘I should save more,'” says Ken Hevert, Fidelity’s vice president of retirement products. “All age groups—young people, too, are showing a tendency to be more conservative.”

New surveys by two leading financial-services companies show how attitudes toward saving have evolved, and highlight a couple of easy steps that can have a big impact on savings.

 These easy steps can be summarized in the following two tips:

“Tip 1: Planning for retirement boosts savings dramatically” – the planning process gives them positive goals for retirement

“Tip 2: Putting eggs in more than one basket produces far higher returns” …. “opening more channels for collecting funds has a positive effect on the amount people save”

Does planning give people a sense of taking control of their lives which helps to overcome the fear factor?

 Click here to read the full article.

Achieving Financial Freedom

Nowadays, the concepts of time and money are being redefined and”Financial Freedom”, is one such Financial-Independence-smlterm that has gained much importance in the changing financial scenario.

A popular definition of “Financial Freedom” is that an individual has the freedom from continuous financial responsibilities through a planned management and allocation of assets. In other words, a person is free from back-breaking work by giving him or herself a steady source of income for life.

To really understand the concept of ”financial freedom” you need to look outside the traditional ideas of income and expenses.

We’ve been taught that time spent on hard work generates money. ”Financial freedom” opposes this concept of time-for-money swap and lets the money work for the individual instead. However, in spite of this advantage many professionals find it difficult to work without a fixed routine.

Thus, to achieve financial freedom we need to change our old mindsets and develop a new attitude towards earning money. We must realize that money is simply the means to achieve ends.

We must also remember that a person cannot be judged by the money he or she possesses. Unless these misconceptions are cleared the entire purpose of financial freedom is defeated since satisfaction is the keyword to financial freedom.

Financial Freedom is Time Freedom – get your copy of “How to Achieve Your Own Financial Freedom” FREE from this link.

Financial Independence

Which Money Making System Is Right For You?

With so many money making opportunities available it can be difficult to choose the one that is right for your needs.

 

 

The first thing you need to decide on is what you are actually looking for in an online business. rainy day money

Do you want to replace your current full-time job or business or just earn some extra retirement or rainy day money.

It’s important to recognize your own needs so you can match opportunities to meet those needs the best.

What you will be looking for will be different depending on what you’re after. There are various business models to consider, E-commerce, network marketing, affiliate marketing, among others.

To help you find a model or system that will provide what you need and want in an internet business it’s a good idea to write down a list of questions you need answers for, such as these:

* How long has this system or program been operating?
* Does it have potential for long-term profitability?
* Who or what is the target audience?
* How quickly will this system start bringing in an income?
* What sort of profit could you expect to make with this program in the first six months?

It’s best not to choose an opportunity because a friend, relative or co-worker has a successful website. Each person’s needs and expertise are different, so the right program will not be the same for every person.

Once you assess your needs and what you have to achieve from a money making website you are ready to review the opportunities available out there. While you don’t have to choose an existing system, looking at what is available will help you select something you would like to do.

It will also assist your assessment of what you need to learn or do to turn your idea of a highly profitable money making website that will help you meet your financial needs into a reality.

Always remember that any business requires some hard work and a time commitment; if an advertised system promises you will make thousands of dollars almost overnight, then be very wary of it.

More information about making money online, you can download the free report from Kathleen Gage TheTruthAboutMakingMoneyOnline.zip

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]

Tips On Beginning Your Own Home Business

There are a lot of things to consider when you work from home. If you need help getting through the do's and don'ts of a business you run out of your home, then this article will give you the help you need to understanding how to make it successful.

Commit yourself not to decisions but to action. Starting and growing a home business does not follow a linear path. It zigs and zags and requires constant flexibility. There is no way to make all the right decisions up front; you just have to jump in and start doing. Commit to action everyday, and have faith that you will be able to make the right decisions each time choices come up. 

There is no one product or service that everyone is going to need, want or be happy with. Do not try to morph your business to make everyone in the area happy. Concentrate your energy on the consumers that are interested in the things that you have to offer to them.

Provide transcripts of any video or audio you post about your home business products or services so that search engines can index it and customers who can't see or hear can read it. Making your content accessible to the widest possible audience will open you up to getting leads from any demographic.

A great tip for your home business is to try to include a gift or surprise with every order that you send out. This will speak volumes for you and your company and give customers a reason to come back to you. The personal touch is critical with your success.

Another great tip for your home business is to pay your takes throughout the year instead of waiting until tax time. This will keep you from being hit with an unexpected amount of money during tax season which might potentially hamper your business. Check with the Tax Office for specifics on how to properly submit your taxes quarterly.

Take advantage of new technology that allows you to charge credit cards from home. Most people want to pay with a credit card, so invest in a product that will easily let you do this. Many companies have figured out how to make this very affordable for home businesses.

To help promote your home business, consider joining forums that are related to home business generally and your own niche in particular. This is a great idea because you will be able to get free advice and many tips or tricks that you might not have been exposed to otherwise. Do your research on which forums benefit you the most.

People can't be bothered clicking through a hundred pages on a website to find out what your home business is about, so feed it all to them on the front page. Include what you do, who you are, quick testimonials, a photo of yourself or your product, and how to contact you, and your leads will skyrocket.

As was stated at the beginning of this article, having a home business requires a lot of work and follow up in many different areas. The tips and suggestions here should help anyone who has or is hoping to start a home based business make it more successful.