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Get A Jump On Retirement- Part 5- Increase Your Earning Potential

One of the easiest ways to retire early is to make more money. Easier said than done, right? Wrong. Most people do not use their biggest resource to its fullest advantage when it comes to making more money. What is that resource? The simple answer is, themselves.

The fact is, most people do not like their jobs or their careers. They go to work because they have to, not because they want to. As a result of not wanting to go to work they do not put in the effort to help them make more money, which is understandable. I was one of those people for the first nine years of my career. I always talked about doing something I enjoyed but never did anything about it. I would come home from work mentally drained, after having spent ten hours committing to a job I hated. The last thing I wanted to think about once I got home was work. I understand the cycle most people go through.

How do you change it? The first thing you need to do is want to change it bad enough you are willing to take action. I talked about it for years and did nothing until I finally couldnt deal with my situation anymore. Now I am making three times more money than I made at my previous job. And, it isnt even all about the money, I am just happy to be doing something I love doing. It is not work for me to put in a few extra hours, like it was before. I no longer sit behind a gray cubicle wall. I no longer have to do things I do not believe in just because my boss told me I had to do it. I am no longer being accused of not being a team player because I didnt attend an after-hours work event.

Let me give you an analogy. Lets say a carpenter is starting to frame a house and he only has a screwdriver for tools. Sure, he will be able to bang in the nails with a screwdriver. It will take a lot more effort and be much less efficient but it will get done eventually. Once he picks up the hammer, or even better, an air hammer he will much more productive and happy. If you show up to your job (screwdriver) because that is all you have you may make a nice living, you may be able to pay your bills, and you may get to retire in the future but if you find your perfect job (hammer) you will be much happier in life, be more productive, and get much more out of life than if you stay where you are now.

What most people dont realize is the biggest roadblock to their success in most cases is their own mind. Many people have either grown-up with a lack of support from parents or they get mentally beaten up by bad managers at work, or whatever. Poor self-image is one of the major reasons people fail in life. They have been lead to believe they cant do something so they dont even try it. They just continue on with the status quo and hope for a 3% raise each year, and are happy when they get it.

If you are serious about improving your life I would recommend reading Think and Grow Rich by Napolean Hill, and See You at the Top by Zig Ziglar. These two books help show you reasons people fail and what you need to do to succeed. The best news is you have hope. You are a couple weeks away, if you read at least one of those books, to improving your life and your earning potential. Is it time for you to make a change yet?

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Book Review: Winning Or Losing The Financial And Retirement Race

Everyone alive today is running in the retirement race of their lives, according to Robert Lamoreaux, author of Winning or Losing the Financial & Retirement Race. As with any race, there are rules to be followed, and times are kept to determine the winners and the also rans. Robert Lmoreaux applies the analogy of running a competitive race to achieving a successful financial status for retirement. The book describes in detail how the reader can finish inside the winners circle upon retirement.

Estate planner Robert Lamoreaux brings thirty-five years of hands on estate planning experience to writing this step by step book of retirement race winning strategies. As with any race, the runner must set some goals, and plan tactics and strategies for reaching them successfully. Since everyone alive today, and is running in the race of a lifetime, we all need to prepare for crossing the finish line with our arms raised in triumph. The book sets out the rules and techniques for finishing the race ahead of the pack.

Robert Lamoreaux (photo left) points out in blunt fashion that everyone is included in the race to retirement simply by virtue of being alive. There is no choice in the matter. At the same time, everyone in the race is at different stages, as the race start has staggered entry times. The book considers the various stages of people’s lives, and the different strategies to be employed to lap the field.

From the very young person, to mid and late career people, to those in retirement now and nearing the end of life, easy to follow instructions are described in detail. From goal setting to practical ideas for living life on a more solid financial foundation, the book provides the framework for victory.

As with any race, the runner must work within the rules, and follow the timing procedures set out by society for the determination of your successful progress. While deliberately avoiding the technical and legal intricacies, the author provides the background and advice for discussions with professional people, in the various fields from accounting to financial planning to law. The book provides the base for further investigation and study of the more specific technical details. By emphasising the important concepts that everyone on the road to retirement must know, the author creates a toolbox that can be applied to anyone at any stage of life, or current financial status.

For me, the power of Winning or Losing the Financial & Retirement Race is its practical step by step approach to achieving financial independence upon retirement. Without sacrificing the good life, a healthy and prosperous retirement is a goal that can be reached without serious painful sacrifices. Solid advice for making good investment decisions, operating a sucessful business, and making wise purchases of the necessities of life are covered in detail.

The author also recognizes that the road won’t be smooth, and the race will often have many hurdles to clear and obstacles to avoid. The book features chapters on health and medical expenses, marriage and family expenditures, as well as planning for funeral expenses and estate planning. By not avoiding potentially painful events of life, the book becomes a much more powerful planning tool for the average person.

I recommend Winning or Losing the Financial & Retirement Race by Robert Lamoreaux as a powerful and honest retirement and estate planning guide. Whether you are twenty or eighty, or any age in between, there is advice suited to you and your personal race to retirement.

Read Winning or Losing the Financial & Retirement Race and be a winner in the retirement race for you and your family. Since you are already entered into the race, you may as well be in it to win it.

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If you are like most people in the over 50 or Baby Boomer crowd, you are rightfully concerned about having saved enough to provide enough income in your retirement years. That income will be needed to allow you and your spouse to relax and enjoy your well earned retirement years. Like me, you have probably dreamed of the time when you would have more control over your lifestyle and not have to put up with jobs or people you do not care for just to make ends meet.

No, we want better than that! I decided long ago that, sooner or later, I would enjoy being the master of my own life and not having to do the things that I have had to do my entire career. I will probably never quit working entirely; I wanted to just quit having to work. I will do this on my terms!

But, I have been worried! Worried about my lack of a traditional pension, the eventual insolvency of the Social Security system, the housing market, oil dependency, the falling dollar, etc, These worries combine to have me concerned whether or not I have saved enough over the years.

Maybe you have heard the analogy that defines the word commitment It say that this morning I had eggs and ham for breakfast. The egg that produced my eggs was involved in my breakfast, but the pig was committed to it!

Well, since I have already pulled the plug and begun to draw my Social Security at age 63, I am now committed. These concerns and worries had me considering going back to work at a traditional job, but I really like the freedom of a retirement lifestyle.

Shortly after I retired last year and the immediate excitement of retirement passed, I began to feel depressed. You see, most of my daily human interaction, other than my wife, used to come from my job, and now that was gone. My feelings of self worth seemed to be diminishing. I knew that I really had to find something to do.

I began about to explore the possibilities of earning some income through various internet activities. My objective was not to Get Rich (although that would be nice!), but to dramatically reduce the amount of cash that I need to take from my investments to live on. If I can just leave my savings grow, essentially untouched, for a few years, then my confidence in the future will be greatly improved.

On the Internet, I have done several things to earn some income. I have written a book (an e book) that I sell on the internet. I have setup websites on many topics of my interest, such as power boating. Those sites host some Google ads which pay me a real small fee every time someone clicks on them. I have bought and sold items on eBay and produced videos and CDs for sale. There are just so very many ways to earn some extra cash.

The wonderful thing about this is that these things earn money in my absence, even when Im playing golf or sleeping, so my time is still my own. I am not tied down and we are free to travel at will and the cash just seems to keep coming in!

These Internet-oriented projects have not produced much more than $2,000 a month so far, but I am not disappointed. I am continuously challenged to always improve on this, and I am confident that, with some effort on my part, I will. While everybody seems to want more money, I am now worried that if I am too successful, these projects will consume too much of my time to enjoy life! That would be a tragedy.

Many of my retiree friends (as well as retiree wannabees) want to know how I am doing this. For that reason, I have created a website for people to come and to learn some of the techniques and skills that it takes to accomplish this cash flow goal. Some of my pupils have far surpassed my income level so far. Due to budgetary constraints, I have refrained from buying many of the Get Rich Quick offers that seem to flood the Internet. I think that is a good thing. One of the valuable things that we do is host a Retirement Income Forum where like minded people discuss their project, successes and impediments and get the real advice and input of others in the same boat.

There are many, many ways to earn extra retirement income on the internet and there is plenty for everybody! The World Wide Web is growing every day and maturing rapidly. I would recommend to anyone that could use some extra retirement income to get online right now and get your share!

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If you are like most people in the over 50 or Baby Boomer crowd, you are rightfully concerned about having saved enough to provide enough income in your retirement years. That income will be needed to allow you and your spouse to relax and enjoy your well earned retirement years. Like me, you have probably dreamed of the time when you would have more control over your lifestyle and not have to put up with jobs or people you do not care for just to make ends meet.

No, we want better than that! I decided long ago that, sooner or later, I would enjoy being the master of my own life and not having to do the things that I have had to do my entire career. I will probably never quit working entirely; I wanted to just quit having to work. I will do this on my terms!

But, I have been worried! Worried about my lack of a traditional pension, the eventual insolvency of the Social Security system, the housing market, oil dependency, the falling dollar, etc, These worries combine to have me concerned whether or not I have saved enough over the years.

Maybe you have heard the analogy that defines the word commitment It say that this morning I had eggs and ham for breakfast. The egg that produced my eggs was involved in my breakfast, but the pig was committed to it!

Well, since I have already pulled the plug and begun to draw my Social Security at age 63, I am now committed. These concerns and worries had me considering going back to work at a traditional job, but I really like the freedom of a retirement lifestyle.

Shortly after I retired last year and the immediate excitement of retirement passed, I began to feel depressed. You see, most of my daily human interaction, other than my wife, used to come from my job, and now that was gone. My feelings of self worth seemed to be diminishing. I knew that I really had to find something to do.

I began about to explore the possibilities of earning some income through various internet activities. My objective was not to Get Rich (although that would be nice!), but to dramatically reduce the amount of cash that I need to take from my investments to live on. If I can just leave my savings grow, essentially untouched, for a few years, then my confidence in the future will be greatly improved.

On the Internet, I have done several things to earn some income. I have written a book (an e book) that I sell on the internet. I have setup websites on many topics of my interest, such as power boating. Those sites host some Google ads which pay me a real small fee every time someone clicks on them. I have bought and sold items on eBay and produced videos and CDs for sale. There are just so very many ways to earn some extra cash.

The wonderful thing about this is that these things earn money in my absence, even when Im playing golf or sleeping, so my time is still my own. I am not tied down and we are free to travel at will and the cash just seems to keep coming in!

These Internet-oriented projects have not produced much more than $2,000 a month so far, but I am not disappointed. I am continuously challenged to always improve on this, and I am confident that, with some effort on my part, I will. While everybody seems to want more money, I am now worried that if I am too successful, these projects will consume too much of my time to enjoy life! That would be a tragedy.

Many of my retiree friends (as well as retiree wannabees) want to know how I am doing this. For that reason, I have created a website for people to come and to learn some of the techniques and skills that it takes to accomplish this cash flow goal. Some of my pupils have far surpassed my income level so far. Due to budgetary constraints, I have refrained from buying many of the Get Rich Quick offers that seem to flood the Internet. I think that is a good thing. One of the valuable things that we do is host a Retirement Income Forum where like minded people discuss their project, successes and impediments and get the real advice and input of others in the same boat.

There are many, many ways to earn extra retirement income on the internet and there is plenty for everybody! The World Wide Web is growing every day and maturing rapidly. I would recommend to anyone that could use some extra retirement income to get online right now and get your share!

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