Blogging For Retirees

First off what is a blog?

Simply stated, blog is actually an on line diary or journal that is published in the World Wide Web where the writer would keep a running account of events. Or, in the words of one famous and successful Internet Marketer "a blog is really just an on line journal that displays a series of posts, displayed in chronological order. These posts are typically written in a conversational, informal tone, and don't contain any overt advertising messages".

The most common forms of blogs are personal and business blogs. Some blogs focus on a particular subject, such as politics, travels, fashions and therefore classified as political blogs, travel blogs and fashion blogs and so on and so forth. Your blog is your means of expressing yourself to the world. It is a very powerful way of branding yourself and a very effective means of building a relationship with your readers.

OK, What to blog on?

There are countless topics out there to blog on. You can write a blog on any subjects. However, choose a topic that you have a passion for as your theme. You will be more motivated to write on something you are passionate about and will less easily to give up when you find yourself run out of ideas. As an example, retirement is the theme for this blog and I write on anything that touches on this topic. To me retirement means having the freedom not to work while being financially free to do anything I want. Retirement has thus become my passion. And if you think you are not good at anything to write about, think again. Everybody is good at something and so are you. You just have to think long and hard about it and the idea will come. Perhaps, you can use your knowledge and skills you gained while you were working and before you retired to write a blog on.

What if you cannot write?

Writing a blog is not like writing a book. Here there is no format to follow, no particular rules to obey. What you need is common sense. As an online diary, treat it as such and just write what you want.

Why blogging is good for you?

As a retiree, you now have all the time in the world to do your things. You're no longer bound by your work before retirement. No more time schedule to follow. And what better way to keep you occupied and mentally active than by writing your own blog on something you have knowledge and passionate about. A research done by a well-known brain researcher has revealed that those who are retired but stopped being physically or mentally active would tend to age faster than those who are still active. Reading and writing are two simple activities that you can do in order to exercise the brain and keep you mentally active and sharp during retirement.

Blogging can also become you source of income as you can use it as marketing tools to promote your business, products and services. Today, many of the better-known Internet marketers have their own blogs which they use to keep customers informed of what's happening. Many marketers use a blog as a way to promote their upcoming product launches and to dialog with their visitors.

How to profit from your blog?

You can monetize and earn money from it, which in the long term when you're really good at it can be your source of income. Already there are large numbers of bloggers out there who are earning full time from their blogs.

Want to know how to do this?

Check out Tay's blog where she writes about how you can make money blogging, optimize your blog for search engines, generate traffic, promote your blog, and much more. She is currently holding a contest where you can win a free month of advertising on her blog. Take a look at this post for details.

Technorati : Retirees, blogging for a living, financial freedom, internet marketing, online income, online money, retirement, retirement living

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New Jersey Couple Claims $48 Million Jackpot

How's this for your dream Retirement Plan. A word of caution here - don't bank on it as your source of retirement income though. Studies have shown that those who do not have the necessary prosperity consciousness to go with it will eventually surrender it back. However, who doesn't want to have a cool $48 million as his/her retirement present- as what this lucky retired couple found out. Enjoy your viewing!

The Unconventional Financial Planning For Retirement

Now that I've got your attention on the subject matter, let me go over what is meant by the Conventional Financial Planning first. I'm throwing away all the financial jargon here and try to explain it as simple as I possibly can. The Conventional Financial Planning is the normal and the well-accepted route of Financial Planning process. Simply put, the process begins by first determining the kind of post retirement life that you want - which is your retirement goals and objectives and from there determine the amount of your nest egg. This nest egg is your source of income during your retirement life and from which you withdraw a fix amount monthly to suite your intended lifestyle. These monthly withdrawals should cover all your monthly living expenses for the duration of your expected retirement life. As an example lets say that you are an average male American of 65 and you have just retired. From the statistic available, a 65-year-old American man today has a life expectancy of 16.4-years, has about 50/50 chance of living to 85 and a 25% chance of still being around at 91(please refer to my previous posting on Life Expectancy and Retirement). That means you might live another 15 - 30 years after quitting work. To be on the safe side however, you have to at least plan on living for another 30 years and factor that into your Normal Retirement Planning.

For the sake of simplicity however, it is the accepted norm that you will require 70% - 80% of your pre-retirement income to enjoy the same lifestyle - post retirement. It would however be prudent to exceed this norm a little bit as my research revealed that though you'll incur less expenses for some e.g. no more commuting to and from work, you'll likely incur more on health and medical expenses. Also you'll need to set aside some unexpected and emergency expenses as well as some capital expenditure that you'll undertake. It could be a house or car purchase or whatever that will be.

Having decided how you want to live your retirement life and figuring out the amount of nest egg that will make it possible, the next obvious step is to determine how are you going to achieve that goals and objectives. You do this by determining the assets you have and how much your current income exceed your current expenses and save or invest a predetermined portion of that surpluses into your retirement nest egg. The long and short of the process is that you can use a number of ways or a combination of savings and investment vehicles to achieve your goals of achieving the required retirement nest egg. You may have to adjust down your expenses here if you find your current surpluses is short of what you need to save or invest every month. And Now that is what I call the conventional way to Retirement Planning.

Now instead of the Conventional Retirement Planning already mentioned, there's another way to do it. The unconventional way is in using empowering information and implementing certain strategies to achieve financial abundance and independence that you desire. This could be your shortcut to your dream retirement life. I won't go into details what the info and strategies are as you can download and get all the 10 strategies outlined in this special report from my blog here for you to judge it for yourself. You can get your FREE report here. Let me warn you that the information in this special report is so powerful and potentially life-changing that if implemented correctly will enable you retire early. This special report is valued at $97 retail but you can GET IT FREE by clicking on the golden key above. And for those who are already retired or about to retire you may find this unconventional retirement planning especially appealing to you. Here's the link again to get that special report for free. Click here.