Plan It Safe

Many people who retire just don’t have the desire to work.  Others, like myself, are always looking for ways to become more diversified and open up multiple streams of income.  This article will go into some different business ventures you can roll out to add $100 – $10,000 to your nest egg, with only minimal effort and not a ton of time consumed.

For starters, I’ve found that people who are in the age of retirement or live in retirement communities are very trusting of one another.  Once there are groups formed and relationships/bonds formed, it’s easy to introduce ideas, products, and business topics and get a good response.

Using and leveraging these relationships and neighborhood bonds can be very rewarding. I’m not one to go out and start hardcore sales tactics to people in my neighborhood, but what I can promise is that when done the right way, you can help people fill their needs and sell them products they already use.  You can do this through many methods, one would be by joining an MLM and starting to carry their products.  Doing this will provide you an alternative income stream.  It’s important to know that you need to choose your products wisely, and select products that are up to date, not oversold, and that are reputable.  I always think that  a health product is good to use if you can pitch it the right way.  For starters, a health product like an herbal diet supplement, daily multi vitamin, or even some sort of colon cleanse are all good starts.  I also urge you that before you embark on some sort of venture in health care/nutrition, you know what you are talking about and more importantly – that you are in good health.  I can’t stress this enough.  How often do you hear of someone fat offering health tips or telling you what to do in the gym?  It simply doesn’t have the same effect as when someone goes on to tell you this who has a physique like Arnold Schwartzenegger or a body like Jillian Micheaels.

One other product niche people should look into is anti aging skin care products.  Anti aging as a topic, and longevity, are among the most in-demand topics among people who are 40+.  While everyone out there is looking to get younger, nothing will work as well as an anti wrinkle cream on aging skin.  Anti wrinkle creams are about as popular as a daily moisturizer right now, and people who are in their Golden years are looking for bang for their buck.  You can do this in one or two ways.  One, you can buy in bulk from a manufacturer and hold “parties” at your house to show everyone just what you have.  Or, you can go around to places that cater to retired adults and sell in bulk.  Either way, there is something you should be interested in, as it’s something everyone in your community will be buying anyways – why don’t you capitalize on their spending?

Aging.  It’s part of life.  As we get older, things become more difficult.  We ache, we suffer joint pain, we suffer all sorts of agonizing stresses throughout our bodies.  The worst part of aging is that it costs a lot of money to keep things running well and to ensure the body has what it needs to be healthy.  So it poses the following question:

Does living longer hurt people financially?

Sure, living a long time will eat up more savings.  Of course, things that are long-term are usually paid off, such as a house, a car, and anything else of value that was financed earlier in life.  But, things such as food, insurance, rent, (if applicable) and day – to – day activity expenses will never be entirely gone.

When thinking about retirement, it’s important to think of all the “what ifs” and really put things in perspective financially.  What would living until 85 mean?  What about 95?  Even greater?

The costs of living are most likely only going one way:  Up.

So what can you do to ensure you are living the right way, spending money in a manner that will ensure long term success?  Cut down on large expenses, as outlined below.

Here are a few of the expenses you can control that most people take for granted.

1.  Cosmetic Surgery and other “anti aging” surgeries.

*The costs of surgery are huge ,and it’s not something most people go through with, but there is still a good amount of women out there who invest $5,000 – $20,000 in such a surgery.  Instead, save your money and use anti wrinkle creams.  You will find these are rather inexpensive in the long run and can often do a great job of concealing fine lines, expression wrinkles, and other facial wrinkles and signs of aging.

If you don’t know where to start, there are plenty of wrinkle cream reviews websites that talk about all the latest and best wrinkle creams.  If you do a little soul searching, you’ll find something that should help you achieve all of your desired skin care goals.

2.  Vehicles.  Who are you trying to impress?

*Vehicles aren’t needed to impress these days.  When you are older, everyone knows you, and you don’t have to have a false sense of accomplishment and rent or buy something that is too much money than you can pay each month.  Be simple in your vehicle dealings these days.  You don’t need to drive that much anyways in most places.

3.  Drink Water.  Live longer.

*Water is the key to your body’s engine.  It’s good for healthy skin, nails, and body.  It also flushes out all of the toxins you consume and cleans out your immune system by flushing out waste and empty calories.  Drink plenty of water – there is no need to consume diet soda’s or sparkling water. They cost much more money and don’t do anything for you health-wise.

Lastly, live within  your means.  Don’t join the golf club if you can’t afford it, just to fit in with the Jones’.  Live within your budget now, and you won’t have to feel like you are penny pinching later.

Do you have what it takes to retire in style?  Are you always juggling bills and not putting away money the way you should be?  If this sounds like your situation, please listen up.  I’m offering my views, thoughts, and opinions, free of charge, to anyone who just reads my blog.  I’m not going to guarantee anything but safe retirement planning tips you can use – or ignore.  It’s your choice.  Paradise awaits!