Are you over 40 and still have not saved a red cent or very little for you retirement?
Imagine your are now 90 years old and you are looking back on your life when you were age 60. Have the last 30 years of your life been happy stress-free years? Or have you been struggling financially to live day after day?
You only have one life. This truth is hard fact. The first half of your life is not the most important half. It's just the beginning.
In fact you can actually divide your life into thirds. In the first third you are learning to function in this world.
In the second third, you are working, raising a family, buying a house and lots of other things that you feel are necessary for happiness. Many people have forgotten though that this is the period of your life where you are supposed to prepare for the last third of your life - when you retire and can no longer work.
Many of us forget that retirement is a reality that we must plan for. Perhaps you waited until it is to late and now you are panicking. You might even feel that you are doomed to live the last third of your life in hardship?
Life is not a dress rehearsal. Life is not a practice run.
You can live together before marriage...that is a practice run. You can practice a Nintendo game because you can always press reset and try again. That is a practice run. But your life does not have a reset button.
Be honest with yourself now...this is between you and your conscious. Nobody is judging you, but you.
Are you living a happy full-filling life? Are you the person that you thought you would be? Are you really living the life you hoped for? Are you truly happy? Do you wish for a life where you are spending more time being the person you want to be, rather than the person you have to be because you answer to others each and every day and not enough money to do something else? Do you hope to live the last third of your life free and happy?
If you are ready to change your life and seriously prepare for your retirement, there are options available to you today that were not available to our fore-fathers.
Back in 1927, our average life expectancy was 61 years old. In 2005, the average life expectancy is 71 years old. In fact, if you manage to live to age 65, with today's medicine, there is a 25% chance that you will live to be 90 years old! fact!
Experts estimate today, that a couple at age 40, with a combined income of $90,000 per year with a few modest investments such as a house, will need an additional million dollars saved in order to retire well at age 65. Failing to save this money, they will have to work for an additional 29 years.
Yes you might be lucky enough to have good health after the official retirement age to be able to continue working. Perhaps you can work part time at McDonalds flipping burgers or take a job as a security guard. Experts are actually encouraging retirees today to continue working as long as they can to help stretch their savings because we are living so much longer.
Do not despair. So you don't have enough saved! You are still fortunate, especially of you are computer literate. You have a much better options available to you today. You just dont know what they are yet. These are options that were not available to our fore-fathers.
We have a world marketplace available to everyone of us today. Thanks to the Internet, we can all generate a second income for life!
Here are some Internet statistics that you should know:
- Worldwide highspeed internet subscribers exceeded 150 million in 2004. - Point Topic, 2004
- More than 60 million Europeans now shop online, an increase of 50% since 2003. - Source: Forrester, December 2004
- By 2007 there will be 1.1 billion Internet users worldwide. - IDC, 2004
- $1.6 trillion was made via e-commerce in 2003; $7.1 trillion is expected in 2007. - IDC, 2004
- 40% of all Americans have made a purchase online. - NDP Group, 2004
- 75% of online consumers do not care whether an online store is run by a large or small company. - TNS, 2004
- UK study indicates that 82% of Internet users go online to research products and services. - Source: UK Stats Office 2004
- Paid search advertising grew by 51% in 2004 to $3.6 billion in the US alone. - eMarketer 2004
- Online retail sales will more than double over the next six years, reaching $316 billion by 2010. - Forrester, August 2004
- 61% of small and mid-sized enterprises believe the Internet is a significant advertising medium. - The Kelsey Group, November 2004
Now is the time for you to consider starting an e-bizness!
The industry in blossoming. Everyone can have a piece of the action. Think out of the box. You are not limited to having to work in your own neighborhood anymore as were our fore-fathers.
I have been making a good living on the internet right from my home office, and you can to! In fact, it's a lot of fun and very rewarding too. There is a lot to learn but it's not that hard.
Start with a simple internet business that self-markets itself. Learn the ropes then progress to marketing your own opportunity online. You will guarantee yourself a very comfortable stress-free retirement with income for life paid to you month after month...for the rest of your life.
Dont be a chump and pass this opportunity up! e-Bizness is your retirement salvation. Who knows? You might even be able to retire earlier than another who has been living cheap to save every dime! The worst thing you can do at this time in your life, is NOTHING!
Happy Retirement!
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JT McNaught is a programmer/analyst by profession who has secured a Better Retirement Sooner for himself because he started a successful e-bizness. JT is sharing this knowledge with you today, so you too can stop worrying and start living better too!
For information by JT McNaught on this topic visit: http://www.betterretirementsooner.com
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Re-print Rights: You may use this article in it's entirety, all that I ask is that you contact me with an email here: RePrintRights@BetterRetirementSooner.com to let me know.
Thank You!!
JT McNaught