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.
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?
You may have considered a mlm opportunity as a way to make money from home. But there is a unique business opportunity that can enhance the health of your wallet and your body. One24 offers a 24 month retirement program that is not multi-level marketing. It is a linear referral program.
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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.
Well the actual term is tweeter. When you make an entry into Twitter, you are tweeting. And what is Twitter? It’s called a micro-blog. Tweets are limited to 140 characters of data. The idea is to share what you’re doing at that moment. People who care about what you’re doing will sign up to follow you. They get entries in their Twitter account whenever people they are following make tweets.
So, now I’m confessing. My blog post titled “Business People Over 50 – Who are we?” ended with the statement “no twittering for me”. Well, I’ve learned to never say never. I admit that I am now twittering or more correctly tweeting.
The younger set primarily uses text messaging to do their tweets. I turned that feature off on my phone. Since I have no texting capability, I assumed I would never do tweets. However, I discovered ping.fm. It allows me to use the internet to enter my tweets. And the beauty of ping.fm is that it sends my postings to multiple social networks. So, my entries are simultateously sent Facebook, Myspace, LinkedIn, Plaxo Pulse and now Delicious. Ping.fm makes it easy to actively participate in the Web 2.0 social networks.
There are those who allegedly use Twitter for business. I’ve attended teleseminars on the business use of Twitter as well as on the business use of Facebook. Business people under age 50 are using Twitter and other social networks. I have my doubts about the participation of the over 50, senior citizen group. I’m on Twitter and I’m over 50. I’m making a concerted effort to keep up with web 2.0, internet marketing and other new technologues and techniques. The purpose for this blog is to share my journey with other AARP qualifiers. Hopefully, I can help ease the process for my contemporaries.
Not convinced about the benefits. But for now, I’m trying Twitter.
Internet marketing success is about being found on the web. Alexa is one of those services which determines how well a website is organically positioned. Organic ranking means that the search engines have evaluated your site and determined how well it matches your search terms. There are billions of sites on the World Wide Web, so a good search ranking does not come by accident. There are consulting firms that specialize in what is called search engine optimization (SEO). Noble & Associates Consulting is now offering internet marketing consulting services also.
SEO is more than optimizing your website for your keywords in isolation. There are other tools and techniques to boost your ranking. It’s about volume – how many times you appear and are linked to on the web. And in the World Wide Web / Web 2.0 circles you hear the motto “Content is King”. The more content there is on the web associated with your name and your site, the better your SEO and organic ranking.
So what do I mean by: less is better? Winning sports teams say they are #1. In Alexa, the lower number / rank the better. A rank of 1 means that this is the most frequently searched for and accessed website out of all the websites in the world. Being in the top million is an impressive list. See the even more impressive Alexa top 100 list.
Get the *FREE* report,
“5 Internet Marketing Success Tips”
by visiting http://www.Internet-Marketing-SEO-Success.com
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
An organizational change discussion was introduced with the following “How many process improvement consultants does it take to change a light bulb? One, but only if the light bulb really wants to change.” The topic’s title included the word “inertia” indicating that change is resisted. So how do you reduce resistance? Regardless of the type of change being implemented, a successful project always requires support from the top of the organization. Management support and directives motivate people.
Even when people are highly motivated, change can be stressful and scary. As we age and move into the over 50, senior citizen ranks, it is more difficult to change. The spirit may be willing, but the flesh is weak or inflexible. People issues have crippled project of all kinds project – whether technology or process, or organizational structure or management. Stress and post implementation distress must be expected and accommodated.
Bottom line: To make an organizational change successful, it has to be well planned, with simple steps that are well communicated.
See the July Newsletter for details about Michael Nearman of AGSI who addressed the June 2008 Atlanta SPIN (Software & Systems Process Improvement Network) meeting.
Powell Goldstein’s e-Newsletter included the article titled “Businesses and Their Employees Should Reconsider Taking Laptops and PDAs Abroad”. The reason for concern is a recent 9th Circuit Court of Appeals decision. The ruling gives custom’s agents the right to search electronic files without reasonable suspicion.
Currently, there have been no abuses of this ruling. But, businesses should consider the impact of trade secrets and sensitive data being accessed and copied by customs agents and Homeland Security personnel. Should you leave home without your beloved electronic devices? Get POGO’s article.
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.)
Down in the trenches, business analysts are the ones tasked with developing business cases for IT application development. And, in the process, smoothing relations among competing parties and moving projects along.
Read the whole ““Why Business Analysts Are So Important for IT and CIOs” article in CIO.com
