Tag Archives: Retirement

Seniorsatwork.ch makes big steps

When I am giving a talk, I like to go through my notes. I find it very helpful to write down the points I am going to talk about in a bulleted list format, because when I’m delivering the talk, I have my slides ready to go. So I have my talk notes in my hand, ready to go. And then I go through my notes, and I have my first bulleted list, and then I have my second bulleted list, and then I have my third bulleted list. And I keep adding bulleted lists to my hand, as I make my way through my hand. And I keep making my way through my hand, because my hand is full. I go through my hand, and I take a bunch of notes. And I go through my hand, and then I jot down my point, and then I go through my hand again, and then I make my way through my hand, and I make my way through my hand, and then I make my way through my hand, and then I make my way through my hand. And then I get to the end of my hand and go, “OK, now I have my point.” It’s very important, and I love this technique. And it works.

But this is really a process, as much as it is a system. And you just go through your point, remember it’s a process. The process is: first find your bullet lists, your ideas. And when you have those, then put them in their own lined paper folders. Then go through your bullet lists and make sure they’re flow together.

Then then go through your ideas and go, “O.K., is this still flow together?” If not, then cut the idea, or go back and make sure your flow is more clearly defined.

Then go through your bullet lists again and go, “Well that’s flow again, so let’s get it flow again.” And then again, and again, and again, and again, and again. And then you have your idea.

Then go through your idea and put it in a flow-lined folder, and go through your folder of bullet lists and cut the bullet-list to make sure it flows together, and then go through your bullet list again, and make sure it flows together.

Then go through your flow-lined ideas again, and cut the idea again, and go through your folder of flow-lined ideas again, and cut the idea again, and go through your idea again, and make sure it flows together. And then you have your idea.

This can take a while. Make sure you have a good, solid idea before you start this process, because this is how you actually get your idea. This is how you work on bringing it to life. It’s how you get that idea of yours off your mind and into the physical world.

So this is how you actually work on your idea and turn it into your dream.

And then you get the idea. And you get the idea is a whole other subject, but I’ll leave that for another day. Seniorsatwork.ch 

It’s this type of process that is the formula for any new idea. And this is why I always recommend that people write out their dream ideas, their business ideas, their product ideas, before they get excited about them. You see, once you get excited about an idea, your natural tendency is to get excited about the mechanics of bringing it to life, which is great as far as it goes, but you’re losing focus. And once you lose focus on what you’re trying to do, it’s very hard to reacquire focus.

So write out the idea before you get excited, then it’s easier to get back into focus. And then once you’re focused, once you’re reacquainted with the concept of what you’re trying to do, this is what you do. You implement.

It is important to understand that if you’re just doing anything let alone getting excited about it, then you’re simply going to fail. It’s important to understand that.

So this is how you actually make your dreams come true.

seniors at work

How To Beat The Home-Based Burnout Blues

I went to visit a friend who had quit the corporate world to start his own art-based business. This was a guy who wore, if not a suit, at least a tie and jacket to work every day for a decade. All the curtains in his house were drawn and his bed was littered with color samples, catalogs and all the assorted detritus of a home-based business. With his unshaven face and sunken eyes, he bore a frightening resemblance to Tom Hanks in “Castaway”. He leaned over and, with a wild glint in his eye, whispered “I haven’t taken a shower in three days.” That close to him it wasn’t difficult to believe but I couldn’t figure out why he felt the need to tell me.

A couple of years later I got it when I too had swapped working for the man for the pleasantly unstructured life of a home-based entrepreneur. I was on my way to a Networking luncheon and slipped some dress shoes on only to find that my feet had apparently grown two sizes. My sneakers and my fluffy slippers fit just fine but they didn’t go with my little black suit. I understood then that his confession had been more than a need to share his personal hygiene issues with me. He felt compelled to share the horror of what he was becoming.

At some point every back bedroom entrepreneur has an epiphany that they might be a little too far gone along the do-it-yourself continuum. For me it was the shoes. For my friend it was the orange water pouring out of his groaning shower head when he finally found a reason to shower.

If you’re just starting out with a home-based business and still euphoric over getting to conduct business in your pj’s or being able to take a Judge Judy break – be aware that there is a dark side. One day you, too, will run slap up against a moment of clarity when you see your formerly civilized life slipping away from you and realize that you may have taken the ball and run with it just a little too far.

It’s a tricky thing to get the balance just right. There’s so much to do in setting up and maintaining a business. And, mindful of the fact that 80% of all small businesses fail in the first year, you’re probably anxious to do as much as you can as fast as you can in order to start bringing home the goods. There are several balances to be worked out – all of them tricky. When do you outsource and when do you do it yourself? How much can you work and still have a life and a family at the end of it? What do you absolutely have to do first and what can wait? There are many excellent books and articles on what to do to set up your business. This isn’t one of them. This is about how to be as you do those things. How to be kind to yourself; available to your family and friends and enjoy life even amid the uncertainty and stress of creating your dream from scratch. How to profit the whole world and keep your soul.

So here are a couple of tips to keep you present and focused. Some are practical; some more touchy-feely. All of them useful. Six things you can do to avoid singing the Home-Based Burnout Blues.

1.Find your Purpose.

This may sound pretty basic but it’s so basic many people don’t do it. Your Purpose is not the same as your goal. Your goal is what you want to do; your Purpose is why you want to do it. Your Purpose is larger and inclusive of all aspects of your life. Why do you want to do what you want to do? Why are you uniquely qualified to do it? If you don’t know this and can’t explain it to yourself how are you going to be able to market yourself? (Are you still laboring under the illusion that you won’t have to market yourself?) Your goal may be to sell $200,000 of widgets this year. But your Purpose may be to sell $200,000 of a fine quality product with such integrity and appreciation for your customers that they will provide you with return business which will in turn provide for a good living for you and your family. Once you find your Purpose write and post it everywhere. Stuff it in your sock drawer so it’ll surprise you when you least expect it. Definitely stick it on your TV. Read it every day. Don’t lose your Purpose in the minutiae of daily tasks.

Don’t go unconscious to it. Everything you do is a structure to either move you towards it or away from it. Ask yourself periodically. Am I in line with my Purpose? Is playing with your kids in line with Purpose? Sure, if it keeps you sane and healthy and nourishes your family. Is watching back to back episodes of Cops in line with your Purpose? Probably not if you slump on the couch and come to three hours later wondering where the time went.

There’s an old Buddhist saying: “If you seek enlightenment do not waste your time by day or by night.” Switch success for enlightenment and you’ve got a pretty good mantra for business. But if you’ve been working your rear off and you decide that some mindless TV is just what the doctor ordered to rest your brain and give you a rare treat then vegging on the couch may actually be in line with your Purpose. It’s really about whether you choose the couch or the couch chooses you.

2. Once you find your Purpose plot a road map to it.

My husband and I once took a road trip which went through 8 beautiful Western states including Montana, Wyoming, Idaho and Utah . I had exactly two weeks of vacation and knew when I could leave and when I had to be back. In order to get back in time we had to budget a certain minimum amount of travel time per day and there were things we wanted to do along the way. We went to AAA and, with maps of all the states we’d pass through, we plotted the best route. We also scheduled in time for detours and hiking and just lolling around. It was a great trip. Had we just set out on the fly without a plan we could have ended up stressed out hundreds of miles away from home the day before we were due back or we could have zipped through some beautiful scenery and found ourselves with time to spare in Vegas. Not an appealing possibility.

So plan the best route to your Purpose. Take your day planner or a long sheet of paper and break your day up into appointment blocks. Two hour increments work great. These appointments are not negotiable so be on time and ready to go. Make appointments with yourself to do the tasks you have prioritized. While you’re at it make appointments to clean house, do yoga and walk the dog. Write them down. Otherwise time will seduce you. These are contracts with yourself and you need to keep them with as much integrity as you’d keep any contracts with clients. No matter how much fun you’re having doing a task it should end when it’s supposed to end. It shouldn’t take on a life of its own. In fact, the more you like doing it the more structure you need surrounding it. We all like to do pleasant things that we’re good at. But they may not be what needs to be done right now. Have definite starting and ending times for your day. Make yourself an appointment for something active every few hours so you’re not sitting on the phone or computer for 12 hours straight. If you have a problem with forgetting to eat or drink enough water – schedule those too. I might schedule two hours of writing on my articles then a half hour appointment to clean the kitchen which would stretch me and get my circulation moving (and get the kitchen cleaned!). Back to the computer for answering e-mails and client paperwork and bookkeeping. Another hour scheduled for a quick lunch and walk in the park with the dog. Client phone sessions would be scheduled with ten minute breaks in between. Finish work at 6 PM. I could easily work until 11 PM and have done many times. But that’s not healthy and not sustainable especially as I share my life and home with others. My particular Purpose includes having the energy and peace of mind to enjoy the results of all my hard work at the end of the day.

3.Put it in writing. Put what in writing, you ask?

Everything. Purpose. Ideas. Outlines. Lists. Deadlines. Goals. Studies show, by the way, that only 3% of us write down our goals. But of the 3% of entrepreneurs who do write down their goals a stunning 97% achieve them. Get this stuff out of your head and onto paper. Make it real. You’ll save energy because you won’t have to worry about forgetting things or keeping track of ideas. So find a system and run with it. Get a Daily Planner. Don’t forget to write down your Mission statement, Vision statement and Business and Marketing Plans. Look at them weekly.

4.Value yourself.

Figure out your hourly rate and factor that in to every decision you make. I mean every decision. It’s great to be able to build your own website. You can save a bundle if you’re already computer-savvy and there are many excellent softwares which will help you. I made my first with a program I got from my website host. I put $14.95 on my credit card, downloaded it and within minutes was working on my site. I did it myself and it looked decent. But it took me close to six weeks. I wasn’t working on it full-time but when I wasn’t I was thinking about it. It was a lot of fun and a major distraction. There was a learning curve so I first had to learn the software then implement it. I knew nothing about color or fonts or placement or keywords or meta tags. I lost time that I should have been using for marketing and in the end the whole exercise was more a character building exercise than a website building exercise. I survived and so did my site. But had I added up all the hours I worked on it (including the “hidden” hours when I got up at 3 AM to fiddle with it) and paid myself I probably didn’t save any money and I would have gotten a more professional looking site with a designer.

When you decide whether to do something yourself or outsource it be sure to also factor in the time it takes to learn the software. This can be substantial. Add up the missed marketing and promotional opportunities and add in the stress and aggravation factor. If you want to outsource design work try a community bulletin board like Craigslist.org ( a stomping ground for many unemployed web designers). There’s now a Craigslist in pretty much every major city. Remember, too, that you don’t need to even have a web designer living in your home state unless you plan on suing them over the end product. elance.com. is also great for home entrepreneurs. You can post your project online and receive bids from vendors. Check out their portfolios; interview them and go with the right one. If you’re good with graphics and hellbent on designing your site and cards, letterheads etc. yourself set a deadline and stick to it. When I was starting out I figured out my hourly rate was about $75.00. I got in the habit of calculating how long it would take me to do something; learn the software and experiment by trial and error. I tried to factor in the frustration factor to me and the lost time to my family and other areas of my life. If I could hire a professional to do it for less I farmed it out.

5.Which brings us to money. Don’t get caught in the “I can’t afford it” trap. You may not have much money to spend but everyone has a little. Allocate it wisely. You have to spend money to make money. Maybe this is a Universal law because it thins the herd right at the outset. If you don’t invest in yourself why should anyone else? Most of us have an ego mind which has mixed feelings about our success. One way to put a tripwire in front of what should be our stunning rush to success is to tell ourselves we can’t afford to do what we know we need to do. Then it’s not our fault if we don’t make it. We didn’t make the cut because we didn’t have the money to start our business right not because we were afraid or unwilling to risk.

If you don’t have the money to pay for something – barter it or ask for terms. Get a credit card and use it specifically for start-up expenses. Getting into a little debt isn’t so terrible.

If you have equity on your house take out a home equity loan or refinance it. Talk to a relative and ask them to swing you a short-term loan. There are many organizations out there which will loan to small businesses with a Business Plan. (You do have a Business Plan, don’t you?) Try Charo. The SBA is also a great resource. Come from a place of abundance (hope) and not scarcity (fear). Assume and believe in your success. Then take the steps you need to take to be successful. There are certain elemental things you’ll need for start-up. Website. Business cards. Phone line. Make a list of bare necessities and find a way to pay for them. Don’t buy or invest in anything else no matter how interesting or fun it might be until you’ve covered the basics.

6.Build a team and a support system.

A one man band can usually play many instruments passably but none of them well. Find out what you do well and get help with the rest. Even if it’s only online. Find people you can network with locally. There’s probably a professional organization you can join. If not – join Toastmasters or your local Chamber of Commerce. Ask for help. Get a Coach. If funds are tight do a Google search for Training institutions for Coaches. Contact them and say you would like some pro bono coaching and ask to be put in touch with a student Coach. Most Coaches starting out need all the experience they can get and it’s difficult getting people to pay you when you don’t have a track record. In addition, if Coaches are going to go for ICF certification they need a ridiculous amount of verifiable Coaching hours to qualify. If you’re persistent you should easily find a Coach who will offer pro bono or at least a substantial sliding scale discount.

Get out of the house and rub shoulders with people who are doing what you’re doing. Ask for feedback. Do you know how many people would like to help you to succeed? Do you know how good it feels to give support to someone struggling to make something of their lives? Give your friends, and even strangers, this opportunity. Find someone you admire in your field and write or call them. Tell them you would like to be where they are. Ask if they have any words of advice. If they respond be sure to send them a thank-you letter. Then follow-up and let them know how their advice has helped you. Don’t fall into limiting belief scripts that they wouldn’t be interested; you’re bothering them etc. Don’t make their decisions for them. Think how you’d feel if your expertise helped someone and they took the time to thank you. You breathe the same air as your mentors.

Finally, when you hit a roadblock be kind to yourself. Setbacks can hurt. Faith in anything, God, ourselves, the future is a solitary pursuit. Keep in mind that every moment is a fresh one and carries within it the seeds of tremendous fortune and change. The next contact you make could turn your life around.

Your life isn’t wallpaper to your daily grind. It goes on whether you pay attention to it or not. Might as well be aware and alive to all possibilities. Best to stay awake if you want to reach your dreams.

retirement

Making the most of your retirement options.

1. Find out if there are any volunteer opportunities near where you live now (or move) so that you can spend time doing something meaningful while also meeting new people who share your interests; this will help keep loneliness at bay during retirement years.

2. Get involved with a church or religious group of some kind- even if it’s just attending services once every few weeks, being part of such an organization will give you more purpose in life as well as companionship from fellow members who are going through similar experiences as yours; churches often offer activities like book clubs, cooking classes, etc., which may be perfect for retirees looking for ways to stay active without having to leave their homes too much

3. Consider downsizing your living situation so that you can live more comfortably in retirement without having to worry about work-related expenses such as commuting costs and office supplies.

4. Invest in stocks with the goal of building wealth over time through dividend payments from companies that pay out dividends on their stocks each year (i.e., Exxon Mobil Corporation) while also avoiding the risk associated with individual stock investments by diversifying your portfolio across many different types of stocks (i.e., Exxon Mobil Corporation, Apple Inc., Microsoft Corp.) rather than just one type of stock (i.e., Exxon Mobil Corporation only) at any given point in time – this strategy is known as “dividend reinvestment” because it involves automatically reinvesting all dividends back into additional

5. Get involved in local politics or volunteer at a homeless shelter, soup kitchen, animal shelter, etc., which will help keep you feeling young and active while giving back to the community at large; this is especially important if you’re retiring early due to illness or disability since it can be hard for people on fixed incomes to find ways of staying busy without spending too much money on entertainment; volunteering not only benefits others but may also improve your mental health by providing social support and reducing feelings of isolation caused by lack of work outside the house; volunteering should be done in moderation so as not to overwhelm yourself though – remember that it’s supposed to be fun! ;).

6. Save more money by eliminating wasteful spending habits, such as impulse buys or eating out too often 

7. Consider downsizing to a smaller home or condo that is easier to maintain and doesn’t require yard work or snow removal services every day of the week 

8. Make sure you have enough life insurance coverage in case anything happens to you unexpectedly, including disability insurance if you are unable to work any longer due to an injury or illness; make sure these policies will continue paying out even if something happens to your spouse who was listed on the policy first before you were added later on as a secondary beneficiary 

9. Reduce monthly bills by switching providers for things like cable TV, internet service provider, car insurance company, etc.; consider bundling some of these together so that it’s less expensive overall but still gives you access when needed (e-mail alerts from companies may be able to help with this)

They Discover Places Via Traveling

Allows claim $20,000. However, put together, it can still produce lots of cost savings, greater than what you can make by yourself. a broker/dealer. Simplified, these policies enable about 18% of your earnings from the previous year to be added as retired life savings or an RRSP to an optimum of $16,500 for this year, 2006. The difficulty is that a fundamental retired life calculator operates in today’s dollars

The plan known as shift to retired life, permits you to supplement your wage and preserve a comfy way of life. Nonetheless, with all of the wonderful retirement home that are around these days, there must be no worry finding one near your loved ones. It’s not everything about love as many individuals end up being friends. Many people remain to function previous age 55 because of various factor. You’ll be glad to know that the device is complimentary to use and you don’t need to enroll in anything or give out any individual information to utilize it

Just how do you make it happen? Get in touch with the common fund firm in which you desire to open up an account as well as inquire to send you their Rollover Individual Retirement Account package. Unless exemptions apply, you have 60 days to deposit the circulation and get approved for tax-free rollover. Next, total any forms needed by the retirement plan administrator of your previous employer and also demand transfer of your properties into the Rollover IRA account. You need an approach to take advantage of the wide range of financial investment options offered in the Rollover IRA

So unless it’s a real emergency, such as life and death, it would be excellent to leave well adequate alone. One of the most effective methods to prepare for retirement is not to retire whatsoever!. There are so many various kinds of elderly living facilities which specialize or satisfy certain kinds of individuals or interests such as Christian living centers. This can actually impede your retired life planning

Yet her community is intense, airy, modern as well as pleasant. What does this mean? Generally, it suggests that family pets are o. We had just strolled right into a brand-new retirement home with different sized homes. Most significantly for me was fast accessibility to aid from carers if she had a problem

Couple of people tip from the career stage of life to the retirement stage in a solitary action. If the retired staff member died within the contract period of the pension then their partner will certainly obtain the whole quantity. You can care for your spouse as well as children with various other possessions and also at the exact same time you can follow the policies of islamic will and also testament. Yes, it is feasible for them to receive the pension amount without breaking the islamic will and testimony, also it is verified by Islamic scholars

retired 2020 not my problem anymore t-shirt

The Thinking Person’s Retirement Choice

Being frugal involves getting the best deal and may lead to you having fun and doing the things you want for a longer period of time. One word of caution: Decide how you will spend your time during retirement now before you retire. Certainly your income must satisfy your expense needs. Using a retirement calculator is a useful way to get an idea of how suitable your existing retirement planning is or, if you are just starting to save for retirement, gaining insight into how best to go about it. https://flowing-to-market.dotcompal.co/video/w4wdmtxqts

To make matters worse, we’re inundated with conflicting advice about how we should invest our savings to best accomplish our retirement goals. Let’s say you are 60 years old and would like to retire in 5 years at age 65. Squirrels only need their stash to last for a few cold months of winter, while retirees depend on their stash for thirty, forty, or even fifty years. The location and size of the community: What’s your type? Would you want an open space or a tiny apartment is okay for you?. Stick to this basic formula and you can retire comfortably. http://www.everybodywinsthomas.com/

That’s why even at the very beginning of their employment, they are already looking far into the future about the kind of retirement benefits they might possibly get. Its a simple matter of economics and supply and demand. Meadows is a good example of the kind of premier community most retirees are looking for

Can you imagine being retired with nothing to do? Would it not be one of the cruelest punishments you could imagine? Does sitting in front of the TV, day in and day out, sound like a fulfilling way to live? Malcolm S. Enter the search term ‘retirement communities’ into the Google webpage. Using plan assets to benefit certain related parties to the plan, including the plan administrator, the plan sponsor, and parties related to these individuals. You may be assisting your parents or elderly relatives to find a place to spend their golden years. You need to understand the best way to use your time, to keep busy and enjoy everything you desire to do

Completion of rebate forms is one of these, providing a steady income of around $50 per rebate form completed and submitted. As a part of your retirement planning, have you thought about continuing to work after retirement? Let’s do a fast calculation and see the impact of an after retirement job on your retirement finances. Unless inflation runs away during our retirement, the major variables we have to consider are how much we budget to spend each year, the amount we make from our retirement job, and how long we choose to work at that retirement job

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SkyfaceHomes, Your Real Estate Partner In Kenya!

SkyfaceHomes

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Let us know if you are looking for a new home.
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