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BOOMER eZINE
The Online Entrepreneur Magazine |
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BOOMER eZINE
The Online Entrepreneur Magazine |
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Please pass Boomer eZine on to a friend. They will thank you for it. If a friend passed this to you, you can start your own subscription at www.boomer-ezine.com. Complete the subscription form and you will receive a free copy of “How to Choose The Best Web Host for YOUR Website”. Table of Contents for this issue..... 2. Q & A, Suggestions and Comments 4. Make Your Knowledge Sell is free 6. Double Dip on Social Security
Yes, I know that this issue of Boomer eZine is late. I apologize, but I spent last week working super hard at my day job so Linda and I could leave on Thursday for a short vacation to the Texas Hill Country.
We met friends there that we get together with twice a year. We floated the Guadalupe River on Saturday and Sunday. If you have never floated a river, it consists of lying in an inner tube and floating down the river with your friends while you visit and get caught up on what has happened since you last were together. One person is in charge of the “beer tube” which carries the ice chest with liquid refreshment.
This is about the most relaxing past time that I know.
With that explanation, you can see why I have not knocked myself out trying to get this issue published right on the deadline.
Q & A, Suggestions and Comments
If you have anything for this section or you have a suggestion for a topic for an article, please use this suggestion form to give us your suggestions or your input. With your help, we can improve the Boomer eZine. This link will open a new page. Close the page to return to Boomer eZine.
I sent information about Google changing it keyword tool in my mid-month reminder email, but I want to revisit the subject here.
Here is a picture of the tool with the results of the keyword “retirement”. The Advertiser Competition is still shown in the green bar graph format, but the current monthly search volume and the average search volume are shown in approximate numbers.
This is very helpful when you are trying to determine if there is enough (or too much) traffic for a particular keyword. You need enough traffic to support your website, but if the keyword is too popular, you will have a difficult time ranking high for the keyword in the search engines.
You can access this tool at
https://adwords.google.com/select/KeywordToolExternal
Make Your Knowledge Sell is free
Have you thought about writing a book about something that you really like? You think, “I want to write that book, but I just don’t know how to do it.” Well, now you can get the help you need.
Ken Evoy wrote a book to help people write ebooks called “Make your Knowledge Sell”. He charged $49.95 for this book for many years, but now he has dropped the price of it ZERO. That’s right. It’s free.
Go to the Site Build It site and read about the book. You can download it if you feel that it can help you write that book you have dreamed of writing.
I heard about the new financial advice book SPEND til THE END by Laurence Kotlikoff and Scott Burns when I was studying retirement calculators so I decided to buy it.
I received it from Amazon and started reading it. I was impressed with it and thought I that as an Amazon affiliate could sell it on the Internet .
I checked the domain names and spendtiltheend.com was purchased but it was not a developed site. Spend-til-the-end.com was available so I bought it. I have built the site on Hostmonster.com as another non-SBI site. I am not using Site Build It for this site since it is a niche site with limited income potential and probably will have a short life during the popularity of the book. SBI is too expensive for this site.
As I write this issue, for the keyword “spend til the end”, the site is ranked number four on Google, number one on Yahoo, and number one on MSN/Live.
The goal of this site is to interest readers in the book and then direct them to the purchase page on Amazon.
Remember that being an entrepreneur is recognizing an opportunity and then taking action to take advantage of the opportunity.
Check out the SPEND til THE END website.
Author’s Note: You may be a few years from being eligible for Social Security, but this tip might make a sizable difference in the SS benefits that you can draw in your lifetime.
This double dip will work if your spouse’s individual SS benefit is low enough that your spousal benefit that he/she can draw at your full retirement is larger than his/her individual benefit at full retirement. The spousal benefit is one-half of your full Social Security benefit.
Where can you find how much these benefits will be? You will find it in your Social Security Statement that you are sent each year by the Social Security Administration.
Here is the article that I wrote for Ezinearticles.com. We have all heard that since we are living longer, we should wait as long as possible to start drawing Social Security benefits. Those of us born 1937 or earlier can take full retirement at 65. From 1938 - 1943 the full retirement age is graduated between 65 and 66. From 1955 - 1960 the full retirement age is graduated between 66 and 67. If you were born 1960 or later, your full retirement age is 67. You can start drawing Social Security benefits when you reach age 62, but those benefits are reduced twenty percent below what they will be if you wait for your full retirement age. Waiting for your full retirement age does not always make sense as you will see. You can double dip on Social Security as follows. Until I read the new financial advice book, SPEND til THE END, Linda and I had decided to wait until our full retirement age to start drawing our Social Security benefits. This book showed me that we were leaving over $19,000 in benefits unclaimed. Let me give you a little background. I have worked in an executive job most of my life so I will draw the maximum social security benefits. My wife, Linda, worked in jobs that withheld Social Security, she worked as a stay at home mom for many years when our children were young, and later, she worked as a teacher in a public school system that did not withhold Social Security. Linda receives a small pension from the Teacher Retirement System for her teacher employment. Her Social Security benefit is fairly small, because she did not earn much under Social Security and her Social Security benefit is reduced because of her teacher's pension. This means that she can draw her own social security at age 62 and when she reaches 66, she can start to draw benefits from my account as my spouse. The standard Social Security spousal benefit is one-half of the other spouses benefit. Her spousal benefit on my account even after reduction for her teacher's pension will be much larger than her individual benefit. Her benefit from 62 to 66 will be approximately $400 per month after reduction for her teacher's pension. At 66, she will apply for spousal benefits under my account and start receiving it at the full retirement amount. This is the double dip. If I had not read SPEND til THE END, we would have waited until she turned 66 to start drawing benefits. That would be 48 months of Social Security payments that we never would have received (approximately $19,200). And when she starts taking the spousal benefit, it will be more than her individual benefit if she had waited until age 66 to start drawing her own benefits. This is just one of the many gems of wisdom in SPEND til THE END. It is revolutionary in its thinking. I recommend it to improve your standard of living now and after you retire - SPEND til THE END. That wraps up this issue. Until next month, stay tuned. John and Linda Howe www.best-retirement-calculators.com (http://www.boomer-ezine.com/Amazon_Page.htm)
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Copyright 2009 John Howe, Inc.
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