Archive for the ‘Finance’ Category

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Retirement Dreams Shattered! Looking For Ways To Make Money?

Wednesday, August 10th, 2011

One of the popular internet searches in google is “top ten reasons to retire”. If that’s what you’re wondering, you’re not the one this article is for.

This article is for the person who has had dreams of retirement, probably dreams of early retirement – for years. You’ve planned and saved. Your burning questions are not why to retire, or the best places to retire. The critical questions are

“How will you make the money you need to retire?”
“How can you make money while you’re in retirement?”

Has the economic crisis altered your retirement planning?

Many companies have failed, so those who had company stock in their retirement accounts have been devastated. Or perhaps your trusted and or highly paid financial advisor, has managed to lose a sizeable portion of your retirement funds. 401k retirement plans have suffered in recent years. Has your promised pension gone away.

Or perhaps you were never able to find ways to make extra money, over and above expenses and necessities. So, you were never able to save for retirement.

Are you looking for ways to Make Money?

Be in Atlanta on July 23 to find out about an amazing opportunity.
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Now your target retirement age has passed. You’ve abandoned the idea of early retirement. You’re just trying to figure out how to avoid working until you’re 100 years old. The money is just not there. Are you making new retirement plans?

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Posted in Finance | No Comments »

Retirement Plans: Are Nursing Homes in Your Retirement Plans?

Tuesday, August 9th, 2011

Everyone has a dream of having a happy and comfortable retirement.

You probably already have retirement plans. You may even have compared retirement plans suggested by a financial advisor.

How about a retirement plan that could earn you and your family tens of thousands a month for years to come within 24 months.

Would you be interested?

Watch the introduction video and the other 3 videos by visiting
Retirement Money in 24 Months NOW!

 

on a humorous note…

NURSING HOME ALTERNATIVE

Retirement PlansNo  NURSING HOME FOR me!!!
I’ll be checking into a Holiday Inn?With  the average cost for a nursing home care costing  $188.00 per day, there is a better way when we get old, and too feeble.

I’ve  already checked on reservations at the Holiday  Inn.

For  a combined long term stay discount and senior  discount, it’s $59.23 per  night.   Breakfast  is included, and some have happy hours in the afternoon.

That  leaves  $128.77 a day for lunch and dinner in any  restaurant I want, or room service, laundry,  gratuities and special TV  movies.

Plus,  they provide a spa, swimming pool, a workout room, a  lounge and washer-dryer,  etc.   Most  have free toothpaste and razors, and all have free  shampoo and soap.

$5 worth of tips a day you’ll have the entire staff  scrambling to help you.
And, they will treat you like a customer, not as a patient.
There’s  a city bus stop right out front, and seniors ride  free.
The  handicap bus will also pick you up, if you can fake a  decent limp).

To  meet other nice people your age, call a church bus on  Sundays.    For  a change of scenery, take the airport shuttle bus and  eat at one of the nice restaurants  there.

While  you’re at the airport, fly somewhere.  Otherwise,  the cash keeps building  up.

It  takes months to get into decent nursing homes, but any Holiday Inn will take your reservation  today.    And  you’re not stuck in one place forever — you can move from one Holiday Inn to another, or even from city to  city.

Want  to live in Hawaii?  They have Holiday Inns  there too.

TV  broken?  Light bulbs need changing?  Out of clean towels? Need a mattress replaced?  No problem..  Just call the front desk, they’ll fix everything, at no charge to you, and apologize for the inconvenience.

The  Inn has a night security person and daily room  service. The maid checks everyday to see if you are ok.   If not, they’ll call an ambulance for you, ……. or the  undertaker, which ever the case might be.

If  you fall and break a hip, Medicare will pay for the  hip, and Holiday Inn will upgrade you to a suite, free, for  the rest of your life, if you promise not to sue them for the fall.


And  no worries about visits from family. They will always be glad to come and visit you, since you live in a hotel, and they’ll probably check in for a few days for a mini-vacation!

The grandkids can use the  pool, all they want, FREE!
What more could I ask for?   My retirement plans are complete!
OK, the retirement plans are complete, but the missing piece is where to find the MONEY for retirement.

 

retirement savings

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p.s.

There’s a waiting list…so Call Sandra Noble at 404-374-3384 today to find out when YOU can get in.

 

Sandra Noble
404-374-3384
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

 

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Posted in Finance | No Comments »

Over 50 Consumers – Why Market to Us?

Saturday, May 23rd, 2009

In the US, us “over 50″ folks spend $2.3 trillion and 
we controls 50% of all discretionary income.


In 2011:

Those of us over age 50 will respresent 25% of the population.
In that same year it is estimated that the US population will be
12.5% Non-Hispanic Black and
14.8% Hispanic origin


Marketing Implications:

If you’re starting a business, you should consider products and services that appeal to the over 50 population.
And if you’re already in business, we’re still a worthwhile target market.

Check out

A Profile Of The Baby Boomers Market And Their Potential As Buyers


Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

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Posted in AARP, Business People Over 50 - Who are we?, Economy / Economics, Finance, Marketing, Sandra Noble, Senior Citizen / Baby Boomer | 1 Comment »

Barack Obama is Proof Positive: We Have Overcome!

Thursday, January 22nd, 2009


Those of us over 50 should remember…

Anyone with more than 1/40th black blood was considered black and was subject to the discrimination that was directed toward blacks or Negroes. All of us in the nation watched the news and TV coverage of black people being beaten and dragged and water hosed, just because they wanted to have the same rights as white Americans.

Barack Obama is now the 44th President of the United States of America. We have overcome.  Not just the Negro, the black, the African American.  But the entire United States nation has overcome.  Yes, there are the bigots and racists.  There will always be narrow minded people.  But bigotry and racism does not define us as a nation anymore.  No longer does bigotry, racism and prejudice drive our policies and actions and laws.

The hot issue now is the recession and our economic woes. And the ripple effects are felt globally. Putting politics aside, I’m hoping the country can focus on the business of healing our economy. Barack Obama is our new president and leader, but he cannot solve problems alone. We all must help with the restoration to economic health.

President Barack Hussein Obama:
We love you, we bless you, we support you.  I know the nation joins me in wishing you well.

Mr. President, make us proud!

Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC


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Posted in Are You Voting For Change, Business, Change Management, Economy / Economics, Election / Selection Quandary - How To Choose, Finance, Recession or Not? The Answer Lies in the Physics | 3 Comments »

The Boomerang Effect

Wednesday, November 19th, 2008

I recently found out about Dotsie Bregel who has a couple of sites for baby boomer and over 50 woman. One of her articles is about the “Boomerang Generation”.  Can you guess what the term means? I got it wrong.

The Boomerang Generation refers to those born in the 1970s and 1980s. So allegedly, these people are the children of baby boomers. But the term does not apply to all people in that age bracket. It more specifically refers to those who, due to economic conditions and challenges, are back at home with their parents, the senior citizen empty nesters. So the “boomerang” part of the phrase is quite clever.

However, the boomerang concept is not limited to the 70s and 80s groups. Everyone is at risk. With the business / corporate financial failures, mortgage crisis, layoffs, gas prices, etc, many who are trying to conserve their financial resources are forced to re-evaluate and revamp their living situations. I’ve thought about renting out a room in my house to tide me over until Noble & Associates Consulting and / or Noble Finances start bringing in some substantial revenues. And, sometimes it’s the senior citizens and retirees who are moving back with their children. So there are variations on the boomerang theme.

I’m not in touch with the economic situation in other countries. But. we in the United States need to pull together to help each other out. Just saw a video of the Donnie McClurkin story. Marvin Winans allowed McClurkin to stay in his house for months. But there comes a time, when helping becomes enabling. So McClurkin was kicked out. Each situation is different.

As Shakespeare says “The quality of mercy is not strained”.  When it becomes strained, it’s up to you to take the appropriate action.

Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

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Posted in Business, Business People Over 50 - Who are we?, Finance, Senior Citizen / Baby Boomer | 3 Comments »

Alternative Financing: Cash Flow Solutions provided by Noble Finances

Wednesday, October 1st, 2008

Cash and cash flow problems are big topics in the news these days. Large, global investment and financial institutions are in trouble. Banks are failing and being taken over. If you listen to some, without financial bailouts, the United States economy is in danger of  financial ruin. Many who insisted that the country was not in a recession a couple of weeks ago, are now mentioning the dreaded “d” word: Depression.

It’s big news when the big guys are in trouble. Small, women owned and minority businesses have always had difficulty with finances. Lack of cash flow and working capital is a leading cause of business failure. Noble Finances has some solutions that can help cure financial woes for companies turned down by traditional banking institutions.

The Atlanta Tribune’s “Moving Your Business Forward” (MYBF) event will be held October 9, 2008 in Columbus, GA. The theme for this 3rd annual MYBF conference in Columbus, GA is “Strategies for Business Growth: Finding Money & Understanding of the Benefits of Certification”.

Sandra Noble, that’s me, is featured on the financial panel at the Columbus MYBF event. I get to share about Noble Finances and the alternatives to traditional bank financing that we provide.

See our press release at
Need Cash Flow? Business Financing Secrets at MYBF

Register for Moving Your Business Forward Conference Columbus

Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

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Posted in Business, Economy / Economics, Finance, Noble Finances on Squidoo, Recession or Not? The Answer Lies in the Physics, Strategy | 4 Comments »

The 80 Hour Un-Work Week

Monday, August 25th, 2008

Baby Boomers Go Into Un-Retirement is an interesting blog post about how baby boomers are handling retirement or not. Don’t know if Atlanta is different, but I know a lot of over 55 people who are going the NOT route.

Why?
Telecommunications used to be big in Atlanta. Telecommunications has taken a deep dive. And lots of other major employers in metropolitan Atlanta are faltering. And of course, the problem is not unique to Atlanta.

The three main effects of the recession or the financial downturns:
1) people are prematurely forced into requirement,
2) people are laid off and
3) pension funds and retirement accounts have lost value.

We’re not even going to talk about real estate, which in years past have been a source of funds for the senior citizen group. Our homes were the investments that were supposed to allow us to sustain ourselves after our working days were over. The equity that has been lost in our housing has forced the AARP aged folks to continue working to get the extra or essential spending money.

In an ideal world, many more would choose to retire. Your retirement plans wer probably to retire early. But the economic climate, both national and personal, removes some of the options. So I, as a late stage entrepreneur, am not alone in working long days and in pursuit of the dollar.

So much for retirement plans!
Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

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Posted in Business People Over 50 - Who are we?, Finance, Senior Citizen / Baby Boomer, telecommunications | 3 Comments »

Business People Over 50 – Who are we?

Sunday, June 22nd, 2008

I started this blog to explore issues of interest to business people age 50 or over. They could be run of the mill employees or decision makers in large corporations or business owners / entrepreneurs.

Found a kindred blog written by someone who appears to be from both Canada and the United States. She provides a definition of business baby boomers in the post What are Small Business Boomers?

Since I plan to live to age 120 or longer, I don’t personally think of myself as middle aged, let alone a senior citizen. Theoretically baby boomers can include some 40 something people.

But, I’m sticking with the AARP definition, because I think there is a technology and cultural divide that starts around age 50.

Do you know anyone over 50 who likes text messaging?
How many of the over 50s even utilize that tool?

An over 50 friend of mine told me that I could turn off the text messaging capability on my phone. Without delay, I got that done.

So no Twittering for me.
(And if you don’t know what that means, you’re one of us.)

Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

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Posted in Business, Business People Over 50 - Who are we?, Finance, Technology | 4 Comments »

Global Procurement – A Recession Cure?

Tuesday, May 6th, 2008

Despite the debate about whether there is officially a recession, in 2008 many Americans are suffering. Those in the top income brackets are unaffected. But the fuel prices / crisis is impacting all but the super rich in this country.

It doesn’t help to hear that Europeans and citizens of many other countries have long been faced with high gas prices. Or that, people in many countries are accustomed to spending much higher percentages of their incomes on necessities like food and clothing. Any decrease in standard of living is traumatic. The post World War II American dream was that the standard of living would be higher for our children. But that expectation is changing. All change requires adjustments. And the fear and stress associated with financial downturns can have profound effects on health and emotional well being.

As in software or technology implementations, satisfaction and success comes when the impacted people / users / employees embrace the changes. This is not automatic, especially in large scale implementations and projects. The consultants at Noble & Associates Consulting, Inc have found that change is rarely embraced unless change management programs have been put in place.

Americans who manage to still have adequate disposal incomes, are still vacationing. US travelers to Europe are shocked and disheartened by the lack of buying power of the US dollar. Other Americans are just bemoaning the fact that they either have less spending money or that the money they do have does not go as far.

So how can Europe be of benefit to the United States and it’s de facto recession economy? I saw a Managing Automation blog post about increased interest in procuring good, services and workers from the US. Due to close quarters and limited land mass, small cars have been in vogue in Europe. Our automakers are fighting for survival. As US automakers finally get on the fuel efficient bandwagon, perhaps they can sell more cars domestically and internationally. And, as suggested by the “Manufacturers Set to Take Advantage of the Downturn” article, perhaps the laid off engineer or executive should be floating their resumes overseas.

Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

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Posted in Business, Finance, Software, Strategy, Technology | 2 Comments »

Taking the MLM Plunge

Saturday, April 26th, 2008

Now there is a new breed, which normally refers to them as network marketers. I guess to get past the defenses of people like me who found the term MLM distasteful. I’d hear about “those people” and run into “those folks”. But it was really background noise.

Two or three years ago, I heard John Di Lemme speak. He’s a powerful speaker, motivator and success coach. He made his millions in multi-level marketing. At that point I was neutral about MLMs and even respected some of the people I knew in them. Then there was the onslaught of the YTBs – a travel MLM. But since I rarely take luxury vacations anymore, that had no appeal. But recently an old friend has a very upscale professional approach to YTB. Much more palatable, but still didn’t move me.

I think I’ve found an MLM that is different. No ordering, no inventory, no deliveries, no collections, no customer contracts, no customer risk. Sounds good to me. So, I’ve decided to let down my defenses and my disdain about network marketing income opportunities.

Sandra Noble
NOBLE FINANCES
NOBLE & ASSOCIATES CONSULTING, INC

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Posted in Business, Finance, Marketing | 3 Comments »

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