Your New Retirement Lifestyle – Frugality: Doing the Best With What You Have (Part 2)

As we are living longer, healthier lives, we do indeed have the time to rediscover, redefine, and reinvent ourselves. I really to believe that we should create a revitalized outlook for the future. Part of the planning process here is an attempt to pursue our passions and interests during our retirement years.

If you are concerned about the amount of money you will have available to live your desired retirement lifestyle, it is important that you create some sort of monthly budget. When that process is complete you will know how much have available, where you may be able to cut back, and plan ahead for future expenses. Indeed, this plan will help keep you out of debt. You can begin the process by simply getting a pad, drawing a line down the center labeling one side “income” and the other “expenses.” After writing everything down, including that pack of gum, you may be amazed at the amount of money you are wasting.

Let’s explore some suggestions for how to enjoy various components of your retirement on a frugal basis.


If you can, avoid the middleman when you shop. Of course this process becomes easier if you shop online. And, you can compare online prices with those in stores.

Try to control impulse buying. Ask yourself whether you really need the item in question.

Buy in bulk if it will save you money. Stockpiling items on sale will also add savings.

Shop at thrift or consignment stores. We’ve made some incredible deals on good quality furniture over the years. Remember, there are stores that sell varying levels of quality.

Check out the clearance racks at the store.

Be certain to check prices in the warehouse clubs. It is important to compare prices of big-ticket items to be sure you are getting the best deal. If you have a smartphone it could be of great service to you. Download the Red Laser app, which will allow you to compare prices on the spot.

Here are some suggestions from a variety of sources on ways to save at these clubs:

• Stick to 1 membership. Otherwise you could end up by spending more than $100 just to get inside the store.

• Perhaps you do not need to buy a membership at all. Often times warehouse clubs allow a member to bring along 1guest. You could also consider splitting the cost of a membership with a family member.

• Compare prices with other retailers.

• Buy the store brand. Many of the clubs carry their own brands of cleaning products, detergent, and pet food.

• Make use of store perks and discount offers. That would include gas stations, car-care centers, and cafeterias.

• Do not plan too far ahead particularly when it comes to food. You may end up having to store items for months at a time.

By the way, there is nothing at all wrong with checking out garage, tag, or yard sales. You never know what you will find.

Consumers Reports offers the following suggestions, and, I agree whole-heartedly with all of them.

1. Do not simple accept an asking price for big-ticket items. You can haggle! I have had great success with such things as free delivery, elimination drop-off charges for rental cars, and airline fares when I call the airline directly.

2. Offer to pay cash for an item in exchange for a discount.

3. Say no to extended warranties. Products may easily outlast those expensive additions without the charges.

4. Consider refurbished models when buying electronics. Be certain that they have a valid warranty and that you deal with reliable vendors. I have found that buying floor models can be a great frugal approach.

Do not forget that you can save substantial money on “open box” items. Sometimes buyers return merchandise because of the color being wrong, or, it may simple be a decision change. I recently purchased a new TV from a local department store. The box had simply been opened and sealed closed. The sale price was one-half of the original price and, the item was not even removed from the package. Be certain that you thoroughly check and compare prices with new merchandises with potential manufacturers rebates. Rebate amounts can at time be substantial. In addition, be sure to check return policies.

When purchasing big-ticket items, as I previously discussed, do not hesitate to attempt to negotiate a better price by speaking directly with a floor manager. You could save an additional 15%. And, it is always good to come in with a comparison price that will give you better ground to stand on. If you have a smartphone or iPad, by all means download the aforementioned RedLaser app.

When shopping for specific items online, I recommend that you begin your shopping by doing a simple Google search for the specific items. Specifically, try Froogle or Those sites will offer you general price comparisons. One of the key things you will want to look for is free shipping and when possible, no sales tax. These days you will find most anything you need through Amazon and its vendors. You can get even lower prices with the help of promotional codes for Amazon or at the Amazon Warehouse which features more heavily discounted open box items or that have been returned that are guaranteed.

If you are looking for products reviews check out a website such as Buzillions. There you will find basic customer reviews, which may assist you in deciding which products to avoid.

Amazon offers for prime shipping for a reasonable fee, which provides you with free two-day shipping on a huge variety of items. I’ve saved a great deal of money with this promotion because you do not need to order the $25 minimum to qualify for free shipping and you do not need to wait a longer time for your orders.

The next article on frugality will feature additional specific suggestions on enjoying various components of your retirement lifestyle on a frugal basis.

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What Online Video Can Do For You – A Killer YouTube Strategy

A lot of people have been asking me:

Why online video?

Why not just text or audio?

Why can’t you just use that?

I think online video comes with a set of specific benefits that can help you and give that extra dimension to your online efforts. Let’s look at a few of these.

Online Video Is Really Awesome For Traffic Generation And List Building

That’s what this webinar is about. You may not have known that up to this point, but online video is an amazing trend.

I’ll be showing you some graphs very soon as well of what’s happening with YouTube and why you need to jump on it now. There’s still time. We’re still on the growth curve.

You’ll see soon why it’s important to get on YouTube in particular, as soon as possible. It’s awesome for traffic and list building.

Of course, text has some real benefits with search engine optimization for websites, but that’s going to be changing in the future. YouTube is working on voice recognition software. In fact, they already have it on the political channel where you can actually search for words inside the YouTube videos. How powerful is that?

One of these days, I think it will be surpassing text in terms of search engine optimization. And as you’ll be seeing soon, you can use some YouTube strategies to help you rank in the Google search engines for your YouTube videos. This is ranking YouTube videos inside Google. Sometimes you do a Google search and you see videos popping up in some of the results. It’s becoming more and more prevalent.

I love video. If you think about video, it’s such an amazing medium. Just look at how popular TV became and how quickly it became popular. Video on the Internet is a similar phenomenon. The only difference is that it’s grown much faster. The influence of online video is, I would say, getting a lot bigger than just television.

When you have video, it really gets peoples attention, compared to text and audio. With video you cover all the options; you’ve got something visual, there’s audio, and there’s real content as well and it really keeps peoples attention and keeps them longer on your website, which is important for search engine optimization.

Now there are also visual cues and information from body language that you can only deliver with video. To some extent you can do it with text, but it’s very difficult. You need to be a very good author to be able to do that. With video you can just be yourself. You can just be normal, and those visual cues and visual information from your body language will be transferred automatically.

I just want to share with you some very interesting research here. This is from a study from UCLA. One study at UCLA indicated that up to 93% of communication effectiveness is determined by non-verbal cues. And another study indicated that the impact of a performance was determined 7% by the words used, 38% by voice quality, and 55% by non-verbal communication.

So when you think about video, this is what video can offer you. This is the communication vehicle that you can use to get across your message to your site visitors. This is powerful. If you think about how quickly things have moved, it is just phenomenal, the power that we now have as just normal Joe Blog Internet marketers or people doing something online. We have this incredible tool to influence people, to build relationships, to build traffic. It’s not even funny. We’re living in incredible times.

Using Online Video Makes Your Video Come To Life

If you have to compare one website to another, and one website only has text and another one has a bunch of really cool videos on it, which one would you be more attracted to?

Of course, there are some people in the world who prefer reading to watching video, but in general, if you look at the population, people prefer watching videos for entertainment or whatever purpose.

There are drawbacks with video as well. If you want to get access to information quickly, it’s a bit harder to scroll through information, but that’s changing as well. With YouTube it is possible to have some sort of scrolling mechanism where you can point people to certain parts of your video if they want to get quick access to certain bits of information.

It really makes your website come to life; it’s almost like having a window to your life on your website, and you can use YouTube for this purpose very easily and very effectively.

This is what it does. It strengthens the bond with your visitors. When people come to visit your website or your blog and they see an image of you on there, that’s already going to build a stronger bond.

I just had a very interesting chat with a friend of mine over the weekend and she said that on the previous video that I did for the promotion for this webinar, she would have preferred if I had a picture or a video of me on there. She kind of missed that. She struggled to make the connection.

I should have known that, because I know how powerful video is. I was a little bit rushed, but it just pointed out to me again how important it is to make that emotional bond with your visitors. The stronger you can make that bond, the more they’re going to love you, the more they’re going to come back to your site, the more they’re going to watch your videos.

A couple of examples here are FreeMagicLive and also HighOnHealth that I’ll be showing you a bit more in detail.

FreeMagicLive Example

The first one, this is going to be the case study. This is FreeMagicLive. As you can see at the moment here, we already have 15,600 subscribers, which includes our RSS feed subscribers as well. This has all been done over the last seven to eight months, mainly using YouTube and of course this blog. This is one example of what YouTube can do for you, or what online video can do for you.

HighOnHealth. org Example

The next one I quickly want to show you, just to show you that it’s not the only one in the world that’s using this method, another one is HighOnHealth from Fran Kerr, a friend of mine.

She’s doing pretty much the same thing where she has a bunch of videos in YouTube. She places them on her blog and people can watch them.

Here’s a typical video.

They drive the traffic back to her blog and build her list. She’s currently sitting at just over 12,000 subscribers. That’s using the medium of YouTube, online video and blogging.

This sort of stuff is powerful. Just think of what you can do with a list of 10-15,000 people on your list. That’s very powerful. You become very influential once you have a list like that in your niche. There’s just a couple of quick examples, and I’ll be digging in quite a bit more detail to show you a little bit more how all this works and how all this can help you.

So there are a couple of examples. Definitely from my point of view, I’m a little bit biased, but I really believe that… Online Video Is Far Superior To Text And Audio

And this is what you can do with video. You can do it with text and audio too, but video is just a lot more powerful in this sense.

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Work Online From Home: Comfort and Ease

Ease and comfort, work online from home.Working online from home has its positives and negatives, but to be completely honest it is the only way I choose to make a living. When I work online from home I have the ability to not only take care of my family, but I know that my financial destiny is within my hands. I choose how much I make from day to day, and I know that as I work online from home I gain the ability and skills I need to increase my personal wealth.First let me talk about the ease of working online from home. A normal day for me is waking up (generally around 10-11 AM) and checking the jobs that are available for me (whether survey, ghostwriting, or ad placement). After I check the jobs I check my stats for the many web based businesses I run. This is generally done within the span of about 30 minutes.Imagine logging into your job from home seated in your favorite chair. Imagine setting your own breaks or time away from the job to spend with your family. Think about how you will feel when you know that not only do you work online from home, but you are able to provide a full time income for them working only part time.I can remember cubicles and how I would feel every morning as I woke up to make my 45 minute commute. I can remember pulling up to the job looking at the dungeon, I mean building where I worked. Dealing with the same nasty manager, attitude filled co-workers, and corporate culture that equated to a modest living riddled with debt.Yea, I was that guy. There was no comfort there. There was no peace there. Only more work and toil. I had many days where I just wanted to give it all up. Was it easy to do the job I did? No. Did I get paid for my stress? Not nearly enough. Have you ever felt like that before? Well start taking control of your life and look at other options today.Many people ask me to make recommendations. I would first refer you to my guide above. Also, I would recommend using the resources I refer you to as they can help you find a job that is right for you. I only want you to succeed at what you do, and if working from home sounds interesting definitely look into the subject further.My memories are long and plenty, but most of them now are at least pleasant. I control my time now. That to me is one of the most important things about trying to work online from home. If you would like to work online from home definitely look further into that subject. It is always good to know what you are getting into before beginning.But I will say this. The freedom I received is so much better then when I worked full time for part time pay. You too can work online from home.

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