You're Never Too Old to Earn!

Incredibly, there are still adults careening around financial aspects of their lives armed with only a debit card and crossed fingers. Our 90 day boot camp offers the entry into basic finance, leaving debt behind and entering the saving world. This application can save those users slower in financial maturity and provide easy financial basic education to begin pursuit of solvency. Just as incredibly, there are young capitalists of the future already watching their pennies and investing their quarters, well aware of current market trends. For both human ends of the financial totem, this app provides strong informative education and the resources to use it both now and tomorrow.

Professor Savings is the app for the century, able to equip anyone and everyone with financial skills and the ability to use them through their mobile phone. Even children are learning about their money needs and expenses with this application on their phone apps list.

The application is interactive and armed with fun tutorials. Customers can learn on the run as they enter their financial data throughout their busy days, submit questions and receive fast answers from their trusted mobile. Moving up the financial chain is easy through this app's mobile applications, and it is also entirely painless education for the user. From simple "I have/I want" agendas to the more categorized investment strategies and results, Professor Savings takes users smoothly through all steps of financial acumen. Moreover, this accumulated information and data remain private, confidential, secure and For Your Eyes Only!

This is the missing link of our education system which has never received the attention deserved. Students are busily conjugating verbs in ancient languages yet have been taught absolutely none of the basics in money management. The use of this application can remedy that oversight by educators and teach users how to take up their own reins for financial success. No matter the user's age or background in financial matters, this application can remedy any lack of understanding of money matters and enter a user into financial control. From that entrance level, it is rudimentary for the user to grow in financial management abilities by following the tutorials and video programming.

Control of finances is never taught in today's schools, leaving today's youth bare to the winds of poverty or chance. If the user is not in control of his/her funds and how and where they will be invested or spent, it is a certainty that someone in the future will use those funds in a way not wanted by the user. It is also a certainty that the end results will be losing ones for the user. Lessons in this application show users how to control and manage all funds, no matter the size or type. The resources used in this app are information packed tutorials, many keen witted and timely videos, plus interactive functions to hold the user's attention and enthusiasm.

About the Author:

George L. Hawkins, former CEO of one of Fortune 500's top producing fund families, brought his funds from near termination to success in five years of the worst market in history. Hawkins is an advocate of Professor Savings being utilized in early education for all public, parochial and private educational institutions. Hawkins is an advocate of Professor Savings being utilized in early education for all public, parochial and private educational institutions.

7 Business Ideas to Explore Post Retirement

retirement (Photo credit: 401(K) 2013)

Retire from your day job and start a business? Twenty years ago the idea of starting a business in retirement might have seemed a little odd, after all isn't the entire purpose of retiring to stop working altogether? There are a number of reasons why seniors will be working longer and some of them are financial (which we will delve into). Other reasons are to retain a more active lifestyle in retirement.

Can you see yourself running a business you love in your retirement? We are going to discuss the motivational factors and some of the pros and cons’s to running your own business after retirement and weigh some of the different options available for senior entrepreneurs. 

Redefining Our Understanding of Retirement

When you reach the age of sixty-five (65) and your federally provided old age pension begins, you should retire. At least that is what we have told generations of laborers in North America and the age of retirement looms for all workers (or has in the past) like a promised land. When you retire you will not have to do the forty-hour-a-week grind and deal with bad bosses or annoying co-workers. You can instead, accept the golden handshake and head off to do what other retirees do; golf, garden or visit grandchildren. That has been our understanding and profile of retirement.

The idea of delaying our retirement was a punitive concept for decades with some social misconceptions about seniors who were unable to retire. The assumption has always been that anyone working over the age of sixty-five years cannot afford to retire. It is a financial option that may not be possible for many people who may need to find alternatives. The sociological assumption is that no one would deliberately choose to work after the age of sixty-five; we now know that is wrong.

When the average age of retirement was set people were living into their seventies on average. Retirement was to allow for a restful slowing down and recreational time with family and friends before some of the physical decline of old age began. Between advances in medicine and pharmaceuticals, as well as increased nutrition and information on self-care many people are living well into their eighties now and even nineties. The average life expectancy of someone retiring in the 1950’s was seventy-one (71) years or roughly a ten year retirement. Now, retiring can mean twenty or more years of active living which has changed the rules somewhat with both fiscal and social influences delaying and even suspending the age of retirement indefinitely. We will take a closer look at some of those reasons. 

Switching Gears: The Benefits of Non-Retirement and Small Business Ownership

If you have decided that early retirement is not feasible, evaluating some of the benefits of non-retirement can help you plan a healthy and even lucrative transition into the next phase of your pre-retirement career. If you have been engaged in manual labor or a physically demanding job, you may opt to change your work duties to something that is both lighter in labor and more enjoyable for your retirement income.

Purchasing an established business franchise or even launching a new start-up business is very much part of the trend for the Baby Boomers. Why head into retirement strapped for cash and bored when you can transition into your own private business instead? We’ve put together seven new business ideas for retirees to explore.

1. The Consultant

Have you always dreamed of working in a more creative capacity and sharing your knowledge? Depending on your expertise, you may find yourself in a position to consult on a freelance basis. If you have spent your career in a specific industry or niche market you possess a wealth of information that is of value to employers.

Consultants are engaged on a per-contract-basis to coordinate and sometimes manage projects requiring an experienced expert. The best part? You can work as a consultant from anywhere in the world which means if you plan to travel, you can take your work with you. It is both a lucrative and convenient choice for retirement.

2. Landscaping Business

We know what you are thinking. You do not want to cut your own lawn, but a landscaping business can take a number of different business structures that are both rewarding and a well paying option for retirement. Lawn care companies are available by franchise and you can receive a franchise territory and a turn-key operation. Whether you wish to invest in additional staff or equipment for a full service landscape company (grass cutting and snow removal) or whether you wish to stick to seeding and lawn care treatments, it can be a great option for retirees that like being outdoors and meeting new people.

3. Pet Sitting Business

Do you love animals? If you have owned pets your whole life you understand how frustrating and expensive it can be to find a pet sitter when you need one for a vacation. Why not take the skills you already posses in pet care and create a business opportunity? All you will need is a website and some investment in social media and advertising to get the word out and start taking bookings. It is a fun way to run a small business and to get some exercise too.

4. Bed and Breakfast

If you like the idea of commuting from your bedroom to your living room or kitchen every day, consider investing in an established bed and breakfast. Downsizing the principal home and moving out of the city to a more affordable area is something most retirees will do anyhow. When you do, why not push out into the country or lakeside areas and invest in a home and business in one? Welcome international visitors and income, while realizing excellent tax deductions for expenses and if you live in a city or town with a college or university, welcome international students instead.

5. Become a Writer!

Are you the type of person who has always been very good at writing? If so there are a number of opportunities online for professional content providers (writers) to create text and copy for advertisements, websites, social media and more. The only overhead to this kind of business is your own time and creativity. Capitalize on it and become the professional commercial writer you always wanted to be.

6. Own a Motel

Similar to purchasing an established bed and breakfast, buying a motel in a popular area can be a rewarding business to run. Motels can be quite small or large in scale with other augmented income opportunities such as laundry, vending machines and convenience store revenues. Moving out of the city to a location with less competition will ensure a lower purchase price and many motels come equipped with a home on site or living area.

7. Professional Photographer

If you have always loved photography and are willing to make the investment, becoming a professional event photographer can be a lucrative part time income that is fun and creative. Most wedding photographers are hired at a rate of $1,500 per day or more. While the nature of the wedding photography demand is seasonal, other opportunities for corporate photography or special events may exist year round. A portrait studio and administrative office can be easily established within the home creating opportunities for tax deduction.

Remember that your retirement is a time of changing gears and creating the lifestyle you want with activities that you enjoy. Retirement is a transition not the end of your professional life. With some creative planning you can operate or own a business into the new chapter of your career where you work for yourself, and love what you do.


Author Bio:

Joshua Geary is a financial writer and experienced blogger for the real estate IRA for Sunwest Trust, Inc. When he’s not writing about IRA investment options and the self-directed IRA rules and regulations that go along with them, Joshua enjoys reading and swimming in his leisure time.

6 Eye-Catching Apartment Add-Ons that Won't Cost You Your Deposit

So you’re moving back into an apartment. The only problem is that it's a little outdated and those white walls and basic carpets aren't as stylish as you had hoped. Don't worry, there are still plenty of ways you can make your apartment your own, and you won't have to worry about making your landlord mad or losing your security deposit.

There are several ways you can turn your plain and boring apartment into a decorative and modern abode without making any permanent changes. These ideas are simple, inexpensive and best of all: temporary.

Area and Throw Rugs

You might not think that rugs can make a big difference in an apartment, but the right patterns and colors can change the entire mood of a room or an entire apartment. Consider the shape and side of each room in the apartment and choose a rug shape, pattern and color that will highlight the accent furniture and wall decor in the room.

Tired of hardwood or laminate flooring? Cut large rugs to the precise measurements of a room and use heavy furniture to help hold it in place. A dramatic or colorful rug or carpet will draw attention to the center of the room and pull the entire look together.

Curtains and Window Treatments

Never underestimate the power of a great set of curtains. If you have large windows in your room or apartment, your curtain choices are that much more important. A person's eyes are naturally drawn to the windows in a room because of the light they bring in.

Choose curtains that are bold enough to be eye catching but subtle enough to not take your attention away from the rest of the decor and furniture. Consider bright or bold, solid colors that compliment your furniture, rugs and window moldings. Floor-to-ceiling models add depth to the room, and even offer the illusion that the celing is taller than it is. Blinds and shutters are another option that will help improve the look of an apartment.

Bedding, Throw Pillows, and Accents

Bedding and throw pillows can brighten and set the color scheme or theme for any room. Patterned pillows and bedding are a great way to bring several colors together in a room. Choose throw pillows in fun shapes that match your decor and don't be afraid to toss a couple of throw blankets on the back of your couch or chairs. Not only will they be convenient for yourself or guests who might get chilly while visiting, but they will also add a nice splash of color to whichever room they are in.

You can add a flash of color and your own personal style to any room through accents. Look for unique shower curtains at JCP to spice up your bathroom, and unique decorative trinkets to complete the look.

Finishings

Adding new finishings to kitchen cabinets, furniture or sinks is a great way to update permanent furniture and fixtures. In most cases, the landlord won't mind or even notice the changes and you can always keep the old ones and switch them back when and if you move out of the apartment. Finishings are inexpensive and easy to install, they are also available in thousands of different styles, colors and materials.

Accent Furniture

After moving into a new apartment, paying a deposit and other moving expenses, few people have the money to shop for all new furniture. A few pieces of accent furniture can be inexpensive, change the look and feel of a room and even make you appreciate your other furniture. Small tables, stands, lamps, stools and even chests add personality to a room and can be moved around and repositioned as needed.

Wall and Shelf Decor

Choosing what to hang on your walls and place on your shelves can be difficult. Too little decor and your apartment will look boring and drab. Too much and your risk creating a tacky or gawdy apartment. Choose your decor wisely and start with a wall hanging added to the center of focus point of the room. Choose a few other small wall hanging or shelf decorations that will compliment the focus point and pull the entire apartment together to create a harmony of patterns and colors.

Living in an apartment that is plain or boring can prevent you from ever feeling like you are truly at home. Just because you can't make permanent changes to the apartment doesn't mean you can't make it your own with some unique, fun and temporary updates and changes. Have fun and enjoy making your apartment into a home you will love and feel comfortable in.

Author Bio: Calvin Sellers is a freelance writer from Tampa, FL. Follow him on Twitter @CalvinTheScribe.

Six Tips on Investing your Money without Risking Losing it All

Investing in the stocks can be very rewarding, but it is also full of risks. You could easily make a huge profit or lose everything. There are a variety of different strategies you can employ when investing in the stock market. Some people like to take bigger risks with the possibility of larger gains. However, a lot of people just want to steadily grow their investment without the risk of losing it all. There are many strategies that a conservative investor can use to safely invest in the stock market without taking a lot of risk.

Know the Stock Market

The first thing you will need to do is learn about the stock market. There are many types of stocks including technology, businesses, large cap, and small cap. You should also know if the stock market is in a recession or a depression. A great way to learn more about the stock market is by taking a class or by reading the wall street journal or another investment journal. The more you know, the easier it will be to evaluate each stock and decide what the best decision will be on buying or selling.

Research the Stocks You Are Interested In

Read up on the stocks that you are looking to invest in. For example, if you are looking to invest in Apple stocks, find out how the company is doing. See if the stocks have increased or decreased recently and if the stocks prices are expected to rise or fall. You don't want to throw your money in blindly. It's best to get as much information about each stock you plan to invest in so that you can make the most educated decision.

Know Your Risk

You should determine how much risk you are willing to take in order to turn a profit. If you are not a big risk-taker, you will need to determine how to invest in stocks safely. Invest only a small portion of your cash in the stock market. You can lose your money, including any future interest as well as the principal. You can decrease your risk by consulting with a professional and gaining as much knowledge as you can about market trends and what is expected to happen with the stock market.

Diversification

An important step in reducing the amount of risk you take on is diversification. Invest in many types of stocks including the technology sector, electricity, or international stocks as well as mutual funds and bonds. You should have at least ten different stocks in your portfolio. Invest only a small amount of your total into each stock. That way, if one you choose flops, at least you only lost a small percentage of your total investment.

Create an Emergency Fund

Since investing money in the stock market can be very risky, you should save up a large amount of cash that will last you six months in case of an emergency. You will know that you will have enough money in case you lose your investments. Investing is for your savings and your extra cash. You don't want to put all your eggs in one basket, so make sure you have back up savings in the meantime.

Rebalance Your Portfolio

You should always keep an eye on your portfolio. Re-balance the amount that you have invested in each stock so that one stock does not contain a large portion of the money you have invested. Experts recommend re-balancing your portfolio every six or twelve months.

Creating a well-balanced portfolio will help reduce your risk when investing in the stock market. Taking these steps should guarantee that you will not lose a large portion of your money. If you ever decide that you are taking on too much risk, then reevaluate what you are willing to invest and make changes to your portfolio.

The Safest Cars for Senior Drivers

It's a simple fact of life: as we get older, our priorities change. It should come as little surprise then that when it comes to cars, senior drivers do not have the same priorities as younger motorists when it comes to what they drive.

For most senior drivers, an abundance of speed or a flashy exterior have little appeal. Senior drivers are more likely to be seeking practicality, usability and safety in a new car. These priorities differ from their younger counterparts not only because seniors tend to live different lifestyles, but also because most seniors over the age of 65 have one or more health issues that need to be accommodated for. In most cases, low-slung sports cars and raised four-wheel drive vehicles are simply out of the question for older drivers.

If you are a senior who is in the market for a new car, you should be mindful of your individual needs when making a decision. Doing so can help you better determine which cars are best for you. It’s also a good idea to check online reviews of new and used cars for sale. By doing their homework before buying, seniors can be better informed consumers and have a better shot of finding a new car that is just right.

Here’s a look at some of the best and safest cars for senior drivers. All have been designed with safety and practicality in mind – you'll note that all are offered either as four- or five-door models – and each fulfills a particular niche that separates it from the next.

The Family Hauler: Chrysler Town & Country

The Chrysler Town & Country has been the gold standard for minivans since it was first introduced in 1982. Combining the driving characteristics of a traditional family sedan with the space and usability of a sports utility vehicle, the Town & Country is ideal for senior drivers who are seeking a vehicle that offers a large passenger capacity. With easy ingress and egress, senior drivers will find getting into the vehicle poses no difficulties, and there is ample seating for grandchildren.

The Luxury Cruiser: Lexus LS460

For senior drivers who are seeking the ultimate in luxury refinement, there can be no other choice than the Lexus LS460. Quiet, comfortable, luxurious, well-appointed, safe, and technologically advanced, the LS460 is a world-class sedan that will impress even the most discerning individual. What truly separates the Lexus LS460 from the competition, however, is its many technological advancements, such as self-parking and pre-collision warning systems.

The Safe Choice: Volvo S60

The Volvo S60 offers sophisticated luxury in an understated package and has been designed with safety in mind. Perhaps not surprising given the company's reputation for producing safe automobiles, but the S60 from Volvo is one of the safest vehicles on the road. In both NHTSA (National Highway and Traffic Safety Administration) and Euro NCAP (New Car Assessment Programme) testing, it received five out of five stars for safety, and the Insurance Institute for Highway Safety (IIHS) gave it “good” ratings in all categories.

The All-Rounder: Toyota Camry

As the most popular sedan in America, the Toyota Camry is liked by many. And for good reason: it tends to do just about everything well. It provides ample performance, offers a number of amenities and features, is safe and well-designed, and is comfortable and easy to drive. Furthermore, it is available in a variety of different trim levels to suit drivers' individual needs. If you are seeking a reliable, trouble-free, and generally well-rounded sedan, you can't go wrong with the Toyota Camry.

The Gas Mileage King: Toyota Prius

The current king of the hybrid marketplace, the Toyota Prius shares much of the traits of its older sibling, the Camry, while offering superior gas mileage in a variety of body styles. The current Prius lineup includes not only the standard Toyota Prius sedan, but the Prius V and Prius C as well. The former is a minivan-sized vehicle while the latter is a small hatchback perfect for city driving. Whichever model you choose, you can expect superb gas mileage in a practical package.



By Samantha Rivers

Samantha Rivers is a freelance writer and editor who covers automotive, insurance and finance topics both online and in print. She is a contributing editor to UpwardOnward.com and is on Twitter @SassySammyBee.

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What Employers Look for when Employing New Staff

For an employer, new staff can bring a wealth of experience and skills to a company. Recruiting the right employee can be a great asset. From the moment a potential employee walks into an interview, the employer will assess their integrity, their likeability and their competence. Employers now have access to social networking sites. These sites can show your political views, your personal life and good and bad moments. Social networking can be used to your advantage, but just remember to keep them digitally dirt-free. 

Able to work in a team

All employers hope that their company will work as a team. Teamwork leads to greatness; not just one person. Praise for a team will lead to great success and recognition for all staff, as well as the company. Employees who can leave what they are doing to work as a team to meet a deadline are invaluable. 

Ability to organise and prioritise

A self-motivated employee will be able to prioritise what needs to be done, even if this means organising schedule shifts and solving problems. Managers can guide you but if you need constant guidance when performing daily tasks, you will become a burden to the company. Employees must possess inner drive and self-motivation to be able to tackle unexpected hurdles when they arise. 

Ability to make decisions

Businesses are fast paced and employees must be able to multitask and be able to manage different projects at the one time. Being able to handle a variety of different tasks, being able to make split second decisions and showing a passion for your assignments are all qualities that employers look for. These are all qualities that can lead to advancement. An employee must also have the ability to be able to adjust and not be too set in their ways. 

Knowledge relating to the job

It is important to have technical knowledge or experience relating to a particular job. Employers may want the applicant to walk straight into a position without undertaking much training. Solid references and a detailed resume can attest to an employee’s attributes. 

Dependable

Getting to work on time is only a small part of showing you are dependable. Working and dressing in a professional manner and having a positive attitude will enhance the company’s reputation and brand. A positive attitude will carry a good employee through difficult situations. This attitude will make fellow employees feel secure and will help create good morale amongst staff.

All employers want to hire people who are intelligent, trustworthy and dependable. These traits will make them good at their jobs. A great employee will have balance in the workplace, as well as outside the workplace. Balancing the two will make for an employee with a better attitude. Joining a company is like gaining another family. 

Companies like www.mabeyhire.com.au stand behind their employees and make sure employees are a good fit with their company. An employee who fits in well with the company will bring enthusiasm, confidence and initiative to that company, which will help that company succeed.