Introduction: This is a book review of “MANIFEST YOUR MILLIONS!” by Eddie Coronado.
Title: Manifest Your Millions! A Lottery Winner Shares His Law of Attraction Secrets.
Author: Eddie Coronado
You Need to Read This Book Because it is a Law of Attraction Book Written By a Lottery Winner.
This book has some unique perspectives on the Law of Attraction and the use of Creative Visualzation.
Chapter 1 The Author explains what the Law of Attraction really is.
Chapter 2: He describes the Power of Affirmations to bring you prosperity.
Chapter 3: The author discusses Creative Visualization.
Chapter 4: More on the power of Creative Visualization
Chapter 5: The power of giving thanks and receiving
Chapter 6: Living in Balance is important
Chapter 7: Questions and Answered about the Law of Attraction
Chapter 8: Your Action Plan for Prosperity
These are magnets representing the law of attraction.
According to Coronado the law of attraction is a “spiritual technolgy” available to anyone. It is a force that is set in motion by human thoughts. It can help you to manifest your desires. It is a law because it is repeatable.
I like the way the author makes clear a subject that could be very confusing . It could really be confusing if you are new to the subject. His book is easy to read. It is not too long and not too short either.
The author has experience in using the law of attraction to win large amounts of money. He won $50,000 in his first win. Later he won $193,000. This shows that lightning can strike more than once. The law of attraction is repeatable.
The author is not giving you a system of numbers but a system of thoughts to help manifest your desires.
He talks about the importance of continuing with your good thoughts over time. It is not something to do once in a while, but to do on a continuous basis.
What is Creative Visualization? Creative Visualization is ” a process whereby the creative faculty of the mind is used to imagine having or doing something.” For example, you could imagine yourself winning a large lottery. prize. Or you could imagine yourself with a new car, a great new girlfriend, getting a promoted at work, or taking a wonderful vacation. Imagine what you would see, feel or experience if you were living the experience in reality. The chapters on Creative Visualization show how to use your imagination to achieve any goal.
If you are a woman you could imagine an ideal marriage. Imagine what you would feel holding your husbands hand etc. Involve all your senses. Imagine everything in detail. This will help you to reach your goal faster than you thought possible.
Visualiztion is a very powerful technique for reaching your goals. Think about what you want as though you already have it. This practice is recommended in the Bible.
I like this book. It is complete. It does not leave out anything important. It is easy to read. This is one of the best books I have ever read about the Law of Attraction and winning the lottery. I have read several.
It has some unique information on Creative Visualzation. I also like that the author has an action plan at the end. It is fairly simple and doable.
Experience of author: A-
Action Plan: A
This is a very good program for winning the lottery through the Law of Attraction. It does not give you number patterns to look for. It is primarily focused on using the Law of Attraction for the purpose of winning large lottery jackpots. I give this an overall rating of A.
From my own list of favorites and bestsellers on the subject I want to mention These:
Learn How toIncrease Your Chances of Winningthe Lottery. by Richard Lustig seven time grand prize lottery winner.
How I Play and Win Lottery Scratch Off Tickets by Bobby Alexander.
For information on this and other win the lottery books click here.
I do receive a small compensation when you purchase. However, I still recommend all the books I mentioned including any other books by Eddie Coronado. Thanks for your interest.
Please feel free to comment or ask a question. If you like this please share it on social media. Thanks.
This post is about how to publish a book on Amazon. I have a post on publishing a kindle book. This is more about publishing a physical book on Amazon.
I found a book with the title the same as the title of this post. It is “How to Publish a Book on Amazon” by Sam Kerns. It is a very helpful book. In it he talks about how much money can you really make publishing on Amazon? I found it fascinating. I have never before read the information in this book.
Before I get into the details of publishing, I will tell you some of what I learned from the author.
Million Dollar Authors
First Sam talks about the possibility of making a million dollars publishing on Amazon. It has happened, but it is very rare. Do not expect to make a million dollars. There are only a very small number( less than 100) who have made that kind of money. Most of them are well known authors who have been around for twenty or thirty years.
Six Figure Earners
“There are over a thousand authors who earn at least $100,000 per year on Amazon…” according to Sam Kerns. The total number of authors earning this amount is 1,340 . Indie authors make up half this number.
$50,000 A Year Earners
It is amazing to me that there are 1,080 indie authors who make this amount or more. They make this amount by publishing on Amazon. There are more indie authors earning $50,000 a year or more than there are traditionally published authors in total.
$25,000 A Year Earners
There are 4,600 authors earning this amount or more. This is not enough to live on for most people, but it is good wage for an author. The statistics show 40% of these are indie authors. Eighty five percent of indie books are sold on Amazon. This is a good way to go for indie authors.
$10,000 Per Year and More
The number in this category is 9,900. Almost 40% of these are indie authors. There are approximately 2,600 indie authors who started in the last 5 years that make this amount.
The Remaining Indie Authors
Here is where the average indie author is. They are at the bottom selling about 100 books a year. That means they earn about $205 a year. I am now in this group. I aspire to be in the $10,000 or more group in the next 5 years.
7 Mistakes Authors Make
1. Not Building Your Platform First
The author confesses that he made this mistake. He promises to give details on how to do this later in his bbok.
2. Spending Too Much Money
There is no reason to spend a lot to publish your book. He gives details on how to do it for less than $100.
3. Failure to Release a Good Book
There is a lot more that goes into this than just the writing. There is also editing and formatting, cover design and writing a book description that moves people to buy the book.
4. Failure to Use the Right Keywords or Categories
Amazon acts as a search engine like Google does. People type in keywords to search for a book. Without the right keywords or categories your sales will suffer.
5. Not Offering Other Sales Options
The author sells an ebook, a print book and an audiobook for each of his titles. This makes it easier for people to buy the version that they want.
6. Failure to Publish Enough Books
Many new authors think they can publish one great book and the money will come rolling in. That is not what really happens. Evidence suggests that you need about 20 books to make “serious money” on Amazon.
7. Failure to Market Their Books
New authors often fail to realize they need to market to people outside of Amazon. The author will tell what marketing worked for him. He also tells about other things you can try.
See chapter 12 of sam kerns book for details on how to have a print version of your book on Amazon.
How to get your paperback version of your book on Amazon
1. Use KDP to set up your book
The process is similar to setting up to publish an ebook.
2. Look for paperback tab
On the same page there is a tab to set up your paperback book. Click on that button and fill in the details for your book. If you already have an ebook there will be information already filled in. You can change anything now if you want to. If not hit save and go to the next page.
3. “Paperback Content” is the next page
First, check the box to receive your KDP ISBN. A number is required for all paperback books. This one is free. Or you can pay hundreds for one. This is not recommended. The free number is good.
4. Select size of book, color of paper and matt or gloss finish
Next, you will be asked for book size, paper color and finish, matt or gloss. If you have a 100 page book the author uses 5×8 size. Next you will upload your file. After uploading be sure to use the interior reviewer to highlight any issues you may have.
5. Set your price
Next, they will ask you to set the price. The author sets his price at $11.99 for all his books. Sam Kerns recommends checking world wide rights. This will allow you to make more money.
6. Design the cover
You will use the KDP cover creator. A physical book has a spine and a back cover so it cannot be exactly like your ebook. Use the artwork and font of your ebook. Add the title to the spine. Write the back cover copy. The Author says hire a professional. Go to Fiverr.com. Someone can format your book for paperback.
Select all the standard channels like all of Amazon’s various stores. But the author does not recommend expanded distribution. He found that wholesalers were selling his book for considerably less than he was. He does allow expanded distribution for libraries and schools though. He likes to give them a break.
So here are the steps to putting your paperback up to sell on Amazon. It is simpler than I thought. I have not done it yet, but I will soon. Good luck to you.
Please feel free to comment or ask questions. Thanks.
Here are 7 things to look for if you want to buy a direct mail list.
1. A Responsive List. The most important thing to find is a responsive mailing list. That is a list of people who have responded to a mailing of something similar to what you are offering. If you are offering a weght loss solution, you want a list of people who have actually bought other weght loss products. You do not want a compiled list from a telephone book for example. That would way too generic.
2. Buyers Only. This is similar to the secret above. You want a list of BUYERS ONLY. Some lists have only a few buyers or even none at all. This list will NOT help you get where you want to go. Buyers only on the other will help you reach your sales goals.
3. Prime Source. The third secret is to get your lists from the prime source. That is the one who developed the list. This will be a list directly from the source of the list.
4. A Large List. Many lists are too small to help you get rich if that is what you want. A list of only 100 names would much too small to help you build your customer list. You need a list that grows by thousands every month. Most lists cannot live up to that standard. However, a large list can help you reach your goals.
5. Have Spent Money. This ties in with the buyers only list. A list of people who have spent an average of $100 is better than a list that has spent only $25. If you have a high ticket item to sell, you need to have a list of those who have spent an equal or greater amount. If you are selling an item that costs $100, you need a list of those who have spent at least $100. If they have spent $200 that is even better.
6. Cleaned. It is good to have a list that has been cleaned. That means one where institutional addresses have been removed. It is important to eliminate deadbeats, tire kickers, and curiousity seekers also.
7. Updated. You want the list to be updated regularly. Duplicates and bad names are deleted monthly at least.
I believe I have discovered one of the few sources that delivers on all of the 7 secrets. I am pleased with the responses I have received so far. This is a source you can trust. Of course there is no guarantee of specific results.
For more information or to order now see the contact information below.
100% BUYERS ONLY “PRIME CHOICE” MAILING LISTS
Good for all opportunity and moneymaking offers. Fatten your wallet With Our Exclusive In-House Mailing Lists.
I discovered a simple easy way to be profitable in self-publishing. There are at least 21 secrets, but it is not hard to do.
1. What to Write About
First, you are going to write a “how to” book. Make sure it solves a problem that many people encounter. It could be about making money, saving money, or saving time. It could be about better relationships. You will be writing about how to solve a common problem. “How to” a kind of writing that sells well. It also sells consistently over a long time period.
2. Write About Something you have Done
Write about something you have actually done if you want to use “how to” in your title. This is very important for your credibility. You will have more authority if you write about what you have done. Your authority will come through in your writing.
If you have limited experience in an area you could read 10 books on a subject. Then you could take the best parts from each one to create youyr own book, However, be sure NOT to copy word for word. “How to” called plagiarism. That would be stealing. “How to” not cool.
So you see that you can write a book about something in which you are really interested. This is important because you will be spending some time (30 hours or more) writing on that subject. If you are not really interested in the subject it will hard for you to finish with enthusiasm.
3. Put a Big Promise in the Title
To attract attention you need to to put a big promise in your title. In the original title for this post, I used the word “riches” instead of “money”. It sounds like more money and is more exciting. This is an example of how to think when you are trying to come up with a title.
I would recommend you think of ten different titles and then choose the best one. If you use the first title you think of, it probably will not be the best title. You need to expand your thinking.
Always put benefits in your title. A benefit is something that your book will do for the reader. You want to make your title exciting to your reader and not simply talk about a feature like how many words are in your book.
4. If you Can Talk You Can Write
Do not worry about whether you are a writer or not. If you can talk you can write. You can write the way you talk. Make your writing sound like a conversation with a friend. When you are writing “how to” information conversational writing is the way to go. You don’t need fancy writing techniques.
5. Give Step by Step Instructions
It is a good idea to give step by step instructions. This will make it easy to follow. Your reader will know what to do first, second, and third. Your writing will have a good flow. The best books have this flow to them. Please write in a step by step manner if you want to succeed in self publishing.
6. Give Examples
It is a good idea to give examples of what you are talking about. This will help your readers understanding. For example, I will give an example of how many books I print at one time and why I did it that way. I print 20 at one time by the way. Doing this will stengthen your writing and make it more concrete.
One time I published only 20 copies of my book.about self publishing. Another time I published 1,000 copies of a booklet on saving money. That was a disaster because I only sold a few copies of that. Ironically I wasted money publishing a book about saving money.
7. Tell a Story
Tell a story if you possibly can. Tell the story of how you came to write the book you are writing. This will add interest to your writing. People love to hear stories. For example, I told the story of how I came to write a book about marriage. I told people that I learned 90 % of it from my wife. The other 10% I discovered so I could please her more. I also told the story of how I had a New Year’s resolution that I kept every day for a year. Every day I thought about my wife and our marriage and how I could make it better. That book sold well.
8. Write a Letter or a Flyer First
Before you even write your book you should write a letter or a flyer advertising your book. The reason is simple. You want to create the best book possible. If you first write about all the benefits of reading your book and then you make the book live up to the letter or flyer, then you really have something to sell. The selling process is easier and simpler now that you know why someone would want to read your book. It might seem like a backwards process but it really works.
9. Write a Simple Classified Ad
Now you can write a simple classified ad to offer your free report offering your book. The way to write a classified is to put the greatest benefit first. Then tell how the reader will get that benefit. Offer free information on your book. Then tell the reader how to respond –that is to write or call and leave your address or phone number. Here is an example of how your ad might look.
Suppose you are writing a book about classified advertising. First you could say
‘Earn hundreds of dollars” that is the benefit which is about making money. Next write how the reader will make that money. That would by writing classified ads. So you could say ” with tiny classied ads.”
Then offer free information. You could say “free report”.
Finally, you could give your name and address. Write to Max, 123 Smith St., Yourtown, Yourstate 12345.
The whole ad would look like this:
“Earn hundreds of dollars with tiny classified ads. Free report. Write to Max, 123 Smith St., Yourtown, Yourstate 12345”.
Any one can learn to write a small classified like this. Yet small ads have earned hundreds of thousands of dollars. That kind of money will not come overnight. But it can come.
10. Sell Locally and By Mail
I have sold my books locally and by mail. You can do the same. The methods are different obviously
but they are both effective.
Selling locally would be primarily one on one personal selling. I sold 7 copies of my happy marriage book to tellers at the bank I frequent. I told the story about how the book came to be written. They were interested in buying. They were asking how much it cost. I told them and the sale was made. It was a lot of fun.
Selling by mail makes your market national or even international. To sell by mail you need a mailing list. The best list to sell to is your own list. With a little thought you can create your list. For example, I wrote a book called “166 Secrets To a Happy Marriage”. I could check the wedding announcements in the newspaper. With a little effort I could find the addresses. Bingo! There is a unique but powerful mailing list. The parents might be the ones to contact. Or it could be the coup[le getting married. I could send a postcard to them about my book. Offer something free with purchase of the book. You should get some sales. Not every one will buy but many will. The is called target marketing. You are only contacting people most likely to buy. You cannot sell any book to everyone.
11. How to Price Your Reports
You need to cover all your expenses of course. You also need a high markup if you are selling by mail. I recommend you charge 10 times your printing costs when you are selling by mail. You have to cover printing costs and postage costs. If only 1 in 10 buys your book or booklet you need $5.50 just to cover present postage costs.
With my marriage book I started out with a price of double my printing costs. In the long run it is shortsighted to keep your price that low. Your marketing options are very limited when your price is very low. There are other ways to compete than on price. For example, you could offer something related to your book for FREE when they purchase your book. in my case I could offer a related report on affirmations for husbands and/or wives. People like to get a package when they buy something. They like more stuff. Be sure you give it to them.
12. Keep Inventory Low
I learned a hard lesson about inventory. You do not want to print 1,000 copies of your book or booklet. It will take years and years to sell all of them. You may NEVER sell all of them.
On the other hand, it is not feasible to print one copy at a time. You could do that on your computer maybe. But how would you print the cover?
So I found the middle ground works best. I started printing only 20 copies at a time. It is easy to reprint when your inventory is low. The big advantage of the middle ground is you always have inventory. But you never have too much money tied up in inventory. It makes your breakeven level of sales easy to obtain. It could be as low as 8 sales or even less if your markup is high.
13. Keep Printing Costs Low
It is all about balance in printing costs. The more books you print the lower the cost per book. However, if you cannot sell all the books, then you have wasted money. So look for balance like I talked about in the last section.
One time years ago I printed 1,000 copies of a booklet. I never could have sold them all no matter what I did. I probably should have given them away free. I never have printed 1,000 copies since. It is not practical.
14. Use A Guarantee
It is always good to sell with a guarantee. This is especially true with mail order selling. Now it is called direct reponse selling. I sold 2 different books without anyone asking for their money back. I sold about 40 copes altogether.
I sold a book on writing that I did not write. It sold well by mail. But there were too many requests for a refund. I knew from those results that my letter was working. However, the book needed to be re-written or I needed to sell a different book.
15. Keep Your Customer List
You should definitely keep your customer list. This is the most important part of your business. It is vital for growing your business in the future. You can’t sell to people over and over again unless you know who are your customers. You need names and addresses email or postal.
I have not always followed this advice, but I definitely will from now on. I can’t over emphasize how important this is to your business.
You could even put their names and addresses on index cards. This is old school, but it works.
If you have a large number of customers you will need an electronic version of the index card. You need mailing list software. Find something easy to use.
I found 2 sources for simple to use mailing list software.
1. Easy Mail Plus is a shareware with a free 30 day trial. If you like it, you pay $49.95 one time. It claims to be the most powerful and easy to use. To check it out click here.
2. Another piece of software is MyMailList & Address-Book-8. It is from Avanquest Software. This is also easy to use and costs $29.95. For more information check here. These 2 options will get you started. Good luck.
Remember your own mailing list is more valuable than any other list you could rent or buy.
16. Use Newspaper Ads To Test Quickly
It is good to use nespapers to quickly test a classified ad or a small display ad. You could have cash in as little as 48 hours. You place the ad one day. It could in the paper the next day (at the earliest). You could have a response the next day after that. So newspapers are lighning fast compared with magazines.
When you put a website address or a telephone number in your ad responses can be very quick. You do not have to wait for days for the reply by snail mail.
17. Printing Tips
My advice here is to print the smallest number of books you can–that is also economical. I found 20 to be the magic number at my local printer. That may not be true with the publisher I tell about in secret #21 below. The magic number may be 100 in this case. I will tell you more later.
18. List Other Titles in the Back
You should list all of your other titles in the back of your book. This can increase awareness and even sales of other books or reports you have published. This does not cost you anything and it can help your sales too.
If you have several other titles it will improve your reputation as a writer. You don’t want to be a one book wonder do you? I did not think so.
You could even put a complete flyer with an order coupon in it. You could get extra sales by doing this.
19. Offer Something Free To Attract Attention
You can offer something absolutely FREE to attract leads for your main title. It is a little work, but it will be worth it. When I placed a classified ad in the 1970’s asking for money in the ad I got 3 replies. But when I ran a similar ad offering free information first I received 100 replies in a month. Many will not buy on the first try. But if you have their names and addresses you can go back to them with the same or a different offer. Then you will get more sales.
20. Offer a BONUS for Purchasing
Along the same lines as the above paragraph, you can offer a bonus for purchasing your main book or report. I have offered bonuses before in my mail order sales, but you could do the same for in person sales. This could only help your sales. I will use that idea for personal sales of my book “166 Secets to a Happy Marriage.” by Norman Smuck. This is also available on Amazon as a kindle book. See www.amazon.com.
21. Where to Get Your Book Published
One of the best places to publish your book is https://www.diggypod.com. It has more favorable reviews than any other self publisher. I stumbled upon this source when I was writing this post. They offer a free sample of their self published books. I was impressed.
You get free ground shipping if you publish at least 100 copies. The costs are very reasonable. Of couse the cost per book goes down when you print more books. They have a box to calculate the cost of your book. You just fill in the blanks with your number of pages, size of pages, and quanity of books you want. It instantly gives you the price. I have not used diggpod yet, but I was pleased with what I discovered. I think you will be too. To check it out click here.
I have shared a lot of what I know about self publishing in this post. Writing this has been very enjoyable. I have also learned some new things that will help you and me in the future. If you like this post please share it on social media. Thanks in advance.
Yes the Bible says that God gives you a way to grow your own money. Ps 66:12-14 ..12 …”we went through fire and through water; but thou broughtest us out into a wealthy place. 13 I will go into thy house with burnt offerings: I will pay thee my vows, which my lips have uttered, and my mouth hath spoken, when I was in trouble.” (KJV)
So they went through fire and water (trouble) and God brought them out to a wealthy place. Why did God bring them to a wealthy place? Because He had no choice. He made a covenant with Abraham that forever fixed what God would do.
Prosperity for God’s children shows the continuance of the Abrahamic covenant with you and me. This not just for ancient Jews, but applies to Christians now. This is truly amazing. This is a very important passage that will change your finances if you follow through with your part.
God wants to bless you financially and in other ways too. One thing that Abraham did was to give 10% of his income to the Lord. This opened the way for Abraham to be blessed. This will open the way for you and me too.
7 Ways to Grow Your own Money
1. Realize that God gives you the power to get wealth. This is stated in Deut. 8:18 “But remember the Lord your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your forefathers, as it is today.” God created us. He gave us certain abilities that enable us to get wealth. Everyone has something that they can share with others to make money. We help each other in life.
For example, I am definitely not an automobile mechanic. But I can write well enough to be interesting and informative. I have made some money through my writing. But as a mechanic I would be a complete failure.
I also work at Walmart in maintenance. That involves cleaning restrooms , empying trash, and sweeping floors, and cleaning up spills. I don’t have any special talent in those areas, but I am good enough that Walmart pays me every two weeks.
2. Realize that you are part of the Abrahamic covenant. This is for all Christians today. Look at the verse above. It mentions the covenant with the forefathers and that it applies to us today. God has promised this blessing. He does not and cannot break his promises.
3. Give to God in thanks for what he has done for you. Give 10% of all your income. This opens the door to supernatural increase.
I read somewhere that we get more of what we give thanks for. So I did a little experiment. I walked through a large retail department store. I walked for 20 minutes counting how many people were wearing red. It could have been any color. I saw 6 people wearing red in that time. Then I repeated the experiment but giving thanks for people wearing red. I saw 9 people wearing the color red. I repeated the whole experiment and got the same results. So I saw 50% more people after giving thanks than I did before giving thanks. Giving thanks pays. Gratitude is definitely a good attitude to have.
4. Praise the Lord. Praise God for all the things he has done for you. He gave his only son so that you could be saved. He gives you food to eat. I hope you are giving thanks for that. He gives you a roof over your head. He blesses you in countless ways. God is an awesome Provider. God loves you so much. God helps you through life if you ask him to help you.
5. Respect the Lord. Respect for God means to regard with honor, have a high opinion of, place great value on, have reverance for, and submit to the authority or judgement of God. Many people do not have respect for God today. Even many Christians do not have respect for God. To have more peace and joy and blessings we need to have respect for God.
6. Delight in God’s commandments. God does not command us to give, but he does want us to give generously to the church. He does command us to love Him with all our heart and mind and soul. There is a verse that says …delight in the Lord and he will give you the desires of your heart. The idea is that if we put God first we can get what we want and ask for.
7. Receive God’s increase in your finances. Receive God’s increase in your health. Receive God’s increase in your protection from Satan and from bad things happening to you.
Sometimes God gives us things and we do not take them and accept them. I have done this before. I once found a large amount of money on the floor. I was conflicted. Do I accept it or not? I did not accept it. Later I realized that money was meant for me. It was the exact amount I had prayed for a few days earlier. I found what I asked for but I did not receive the money. I did not accept it.
The same thing can happen with our health. We may feel better and take it for granted. We may not realize it was a gift of God meant for us.
We need to be careful about not noticing when things are going well. God protects us fron Satan’s mayhem, when we give or grow our money tree. When trouble comes in bunches it may be Satan at work.
To find out more about growing your money go to Jay Snell’s website. He has more information about money and health and healing. This is one of my favorite websites. Jay taught me that blessings promised to Abraham also apply to Christians today.
Please feel free to comment or ask questions. I will happy to answer. Thanks.
Yes you can bulid an online website. And you can do it in less than five minutes.You can even do it for free with a free trial at wealthy affiliate.com. I will tell you more about that in a minute or two. You need to know about a special website that produces real results. There is a website that has an amazingly helpful community of people who are doing the same thing you want to do. That is to build a website that makes money.
I have been with Wealthy Affiliate since February 2017. I am pleased with how this platform allowed me to build a website in less than 5 minutes. I have not discovered any better platform for the training and a community of helpful people.
To learn more click here. You will glad you did. You can build your own website in minutes. You will have to choose a domain name. Pick one that is related to the theme of your website. This will help visitors to find you in the search engines.
This post will answer the question “what is the average retirement savings for baby boomers?” This is an important question for the purposes of comparing your savings with those of other baby boomers. I hope it will influence how much you save starting now.
Bad News and Good News
Only 55% of Baby Boomers have some retirement savings. Of that group 42% have less than $100,000. This means that about half of retirees will be living off of social secirity benefits primarily.
According an article in investopedia called “Are We in a Baby Boom Retirement Crisis?” 54% lack enough money to retire. On the other hand, 26% of those age 55 to 65 have balances over $200,000. This is according to the Insured Retirement Institute.
Average Monthly Income
Another question is “what is the average monthly income of a household led by a retiree?” That number is $48,000 according to the (BLS) Bureau of Labor Statistics.
Median Income for Retirees
Here are the median income for retirees at different ages. Half of the reirees are above the median and half are below the median income.
age 55-59 $73,645
age 60-64 $63,919
age 65-69 $54,124
age 70-74 $46,797
age 75 and up $31,893
This information was reported by the Insured Retirement Institute (IRI).
You can see that median incomes go down with increased age. The incomes in the 75 and older line is less than half of the 55-59 line.
Income for Individuals Above 65
The income number for individuals above 65 is $24,224. This is for individuals not household income.
For more details see newretirement.com. This is very good website that has been around for many years.
You can set up an account for free. Then you can use their retirement calculators. You can also develop a retirement plan. Just fill out the information for the questions asked.
What to Do if You Are Going to Be Short Of Income
If you see from this article or newretirement.com that you are short or are going to be short of income here is what you can do. You can reduce your spending. You can increase your savings. Any change will be helpful. It is never too late to make changes. It is never too late to improve your future and your retirement. You can reduce or eliminate debt. That will allow you to save more. Eliminating interest charges can increase your spendable income. It can also allow you to save more.
Add to Your Income
Another thing you can do is to add to your income. You can work longer. You can postpone retirement a few years. This can make a BIG DIFFERENCE. If you are working part-time you could add more hours. You could even work full time. Or you could work in a sideline business to supplement your income. This is a good option for most people. You will not be totally dependent on your business but it could possibly double your income. That would be great wouldn’t it?
One business that has great potential for creating income is penny stock trading. Most people invest in large company stocks (401k) that cost a lot and move very slowly. You need something less expensive that can produce more income. Tim Sykes became a millionaire in less than two years. You may not become a millionaire but you could do very well thank you. You can discover more about Tim and how he became a millionaire in The Penny Stock Course. Please take a look at my post “What Penny Stocks To Invest In?” You really can make money with this if you know what you are doing. With Tim’s book and other materials you will know what you are doing.
Make Money Online
Another business you can start is an online business. You can start a blog. You could have your own website. Write about things that you are really inerested in. You can learn how to build a website within five minutes. Where can you learn how to do that amazing thing? You can do that with a website called Wealthy Affiliate. This is a great place to get an online business education.
Wealthy Affiliate Will Take You By the Hand and Lead You to A Profitable Online Business
Wealthy Affiliate is a serious and honest place to get an online education. Affiliate marketing is a way you can make money by selling other people’s products and services. That is easeier than trying to develop your own products and services. While these are not typical examples, I know about people in the Wealthy Affiliate community of over one million who make over $3,000 a month. That is nothing to sneeze at. It will not happen overnight. But it could happen to you in less than 2 years if you work at it seriously. The community is large and very helpful and supportive. You do not have to go it alone. This is a very important part of your education. I have been with wealthy Affiliate since February 2017. I am still learning every day.
If you like to learn new valuable things, this could be the place for you.
Benefits of Affiliate Marketing
1. You can make money on your website.
2. You do not have to pay to become an affiliate.
3. You can help promote products and services that you believe in.
Hello everybody. I recently watched a livewebinar by Jay on Wealthy Affiliate. In it he gave several tips for ranking your website higher. A better ranking means more traffic. More traffic can be turned into more money.
Several things were mentioned over and over. If your site is new or you are not satisfied with your websites ranking these tips will help. Most of them are simple to understand. They are usually simple to make the necessary changes.
1. Use Your First Name
Using your first name on your site will make you stand out as a real person. You are not just a number. You are not an impersonal corporation. So don’t make yourself look that way. Use your first name. It will help you get noticed as a real person.
2. Use an Image
If you use of image of yourself it will also make you more of a real person. You can use a photograph. Or you can use another type of representation of how you look. You can use gravatar to help with these options.
3. Internal Links to Previous Posts
It is a good idea to use at least one internal link to a previous post. This helps to connect the dots of your website. It helps to make connections between posts on related topics for example. As long as you have at least two posts you can have an internal link. Google likes internal links. They make your site more useful. It also helps you to connect your posts to each other. It can help bring you more traffic to your site.
External links to other sites gives your site more authority. You know about other websites than your own. These external links makes your website more useful to your readers. This is a very good thing if you want more traffic and a higher ranking.
So I suggest you keep external links in your mind while you are writing your content. You can go to wikipedia to find an authority source.
5. Use Meta Titles
It is a good idea to use meta titles. A meta title is the name of a web page. It is usualy displayed at the top of the page.
6. Use Meta Descriptions
A Meta description is a summary of a web page and is 155-160 characters. .Search engines show it when it includes keywords that are being searched. It entices users to click through to a page. This is a part of SEO.
7. Include a contact page
Including a contact page makes you more accessible. Users can contact you if they need to. This could include your email address for your blog or website. You could also include your physical address. You could even include your telephone number.
After your website is developed well you can use ppc advertising. PPC adverising means pay per click. You only pay for results. If no one clicks you do not have to pay anything. Kyle co-owner of wealthy affiliate used this when he was getting started.
I reccommend you read a blog post on consultancy.com about “why wikipedia is to top on google: the seo truth no one wants to hear.” It tells why and how wikipedia ranks at the top for 99% of randomly selected keywords.
10. Unique and In-Depth Content
Your content needs to be unique. It should be different from everybody else. No copying some one elses content is allowed.
Your content should be in depth. My traffic has been rising recently after I tried to write 1500 words per post. Some of my early posts were only 400 words or less. Longer content does help your ranking in google.
11. Target Your Webpages for Key Terms
You want to use keywords that people are actually using in their searches. This will make easier for users to find your webpages. It will also let you rank higher in google. This will bring you more traffic. Of course you need traffic if you are an affiliate marketer trying to make money.
12. Make Your Internal Linking Structure Great
Every new post should link to another post on a related subject. For example, a post on keyword research could be linked to one on the jaaxy keyword research tool. Beginners usually forget to link older posts to the newer ones also. Wikipedia does both kinds of linking very well.
13. Build Page authority
Page authority is a score developed by Moz to predict where a single page will rank. The higher the score the better the rank. Scores go from 1 to 10.
14. Build Domain Authority
Domain authority is a score developed by Moz to predict where a domain will rank. Scores range from 1 to 100. The higher the score the better the rank. Domain authority is based on many factors.
So if you want to rank higher in search engines here are 14 ways you can do that. This post was inspired by Jay of Magistudios at wealthyaffiliate.com. This is a good place to get the training you need to make money online. Please check out my review of wealthy affiliate.
If you like this post please share it with others on social media. Thanks.
Today we will be talking about 10 steps to God’s financial blessing. There is a saying that you cannot out-give God. So we will look at ways and steps to use that principle. to increase your income.
1.DECIDE TO RECEIVE GOD’S FINANCIAL BLESSING
Making a decision to receive God’s financial blessing has great power. It starts the ball rolling. It gives you some momentum that carries over into the other nine steps.
So make the decision. Make up your mind to do something positive about your financial situation. Nothing will happen until you make this decision.
Making the decision to receive God’s financial blessing will propel you through times of doubt and insecurity. Your faith may be tiny but it only takes a little to accomplish great things in the long run.
You can do this. It is not rocket science. There are things you need to understand. There are things you need to do. But they are not too hard for the average person to understand.
2. DECIDE TO TAKE THE 10 STEPS
It is another small step to decide to do all the 10 steps. Say to yourself out loud “I will take the 10 steps so I can receive God’s financial blessings.” This is a very powerful step. It is a small but mighty step in your journey to God’s financial blessing. You really need to do all 10 steps to get the best results. So I ask you not to skip any of the steps.
These 10 steps really do work. I have done all of them myself. I had to exp[eriment a little to come up with these 10 steps. You will save time and effort and maybe money by following these 10 steps. They are not difficult. So prepare yourself to do all 10 steps. You will be glad you did.
By the time you finish this step you will be 20% of the way through the 10 important steps.There is great power in making a decision. I have done it many times when I wanted to accomplish something. When you have done this step there is another important step. To me it is a fun one.
3. READ VERSES ON GOD”S FINANCIAL BLESSING
The next step is number 3. It involves reading scripture verses on God’s Financial Blessing. I will list some sources that I used in my search for financial blessings This will give you the background you need. It will give you a better understanding of what is about to happen.
Read all the verses that I have listed for you. Study them a little. Let them sink in to your mind. This part is important. You really need to immerse yourself in the knowlwdge about tithing, giving, and generosity. This will put you in a good place before the next step.
4. ACCEPT GOD’S SUPERNATURAL POWER
With God all things are possible. We are talking about good things like financial blessings. Yes. God has the power to do for you what is promised in the Bible. I have experienced much of it for myself. But don’t just take my word for it. Put God to the test.
That is the best way to increase your faith. Start small and increase your faith a little at a time until your faith grows. It only takes the faith the size of a mustard seed to make a HUGE difference in your life. It only takes a mustard seed sized faith to make a TREMENDOUS DIFFERENCE in your spirit and your finances. This is why God asks us to put him to the test.
It helps to make your faith grow. It is impossible to please God without faith. If you need to you can write out some verses on index cards and read them over every day. This will help your faith in God and his power to grow. That is what you need before you take the next steps.
5. BELIEVE YOU CAN RECEIVE
Next you need to believe not just that God can do wonderful things for you. But also that he wants to do those things for you. You also need to believe that you deserve what God has in store for you.
I urge to read Joel Osteen’s book “Next Level Thinking” available on Amazon. It is a great book. It is one of the best I have ever read. I read a lot. His message is perfect for someone trying to break through barriers in their finances, for example. God wants a life of abundance for you. However, sometimes our thoughts and actions get in the way. Next Level Thinking will help you get to the next level in your life. It will help in your financial life and in your spiritual life. They are all connected.
In the first chapter pastor Joel Osteen talks about the time years ago when the first sub four minute mile was run. Experts said that it could not be done. They said that the human body could not handle it but… after Roger Bannister broke the four minute mile barrier it was broken three hundred times in the next ten years.
This shows the power of belief. So believe that you can receive God’s supernatural power. You can do things with God’s help that you could not do on your own. You deserve it too because you are a child of God. You do not have to be perfect to deserve God’s favor. God loves you and wants the best for you. But there are things you have to do and believe. They are all listed in the 10 steps. When you finish all the steps you will be living a blessed life…an abundant life.
6. PRAY ABOUT GOD”S FINANCIAL BLESSING
Now it iis time to pray about your fimancial blessings. You need to determine how much you want. You need to find out how much you need. There can be a big difference between the two. With God’s help you can figure out a what is the magic number for you. Determining the magic number for you will take some thought and some prayer.
I always believe in the power of gratitude. By that I mean giving thanks in advance. I did some experiments that showed that giving thanks for something will give you 50% more of what you gave thanks for. This number may not hold true for everything, but it demonstrates the power of gratitude.
Another thing about giving thanks in advance shows faith. Your faith will grow as you use this type of prayer and you receive what you are asking . Your faith does not have to be 100%. A little faith is very powerful.
Pray about your finances. Think about what you need. Believe that you will receive what you ask for. Say it out loud. “Lord, I believe you can give what I ask and I believe you will give me what I ask. To show my faith I give thanks it advance. Amen.”
It also would help to use the law of attraction. The law of attraction says that we tend to attract to ourselves what we think about. most. Try to visualize the amount of money that you need. Imagine it as clearly as you can. See the number in your mind. Visualize a pile of money. Do whatever you can to make it seem real already.. This is a powerful technique I use,
Pray that God will help you figure out the amount to ask for.
“Dear God, our Provider and Source of all financial blessings. I believe you can provide exactly what I need. I believe you WILL provide exactly what I need.. I give you thanks in advance. My faith is growing. I pray like in Lord’s prayer for daily bread. I give you thanks for all you have given in the past. i pray in your will. I pray in Jesus’ name Amen. ”
7. DECIDE THE AMOUNT YOU WOULD LIKE
1. First you need to figure out how much you can give. This should be based on your own financial situation. Do not try to make a generic decision here. You know your circumstances better than anyone. If you are struggling then you will need to take baby steps first. Start whereever you are now financially. Any amount is better than no amount of money.
2. Figure out how much you believe you need..If your need is great but your finances are not, you will need to move slowly up the ladder of giving. That is perfectly fine. You will get where you want to be in time. If you have debt you can work to get out of debt first. This will put you in a good position.
3. Decide which level of giving makes you most comfortable. This is something that you can pray about if you have not already.
4. Try to find a balance between your first three decisions. This balancing act may not be clear cut. But the act of finding the proper balance for YOU is what is important. Do not worry about any set amount in the beginning.
5. Pick a number based on the first four decisions. Now you are finally ready to pick a number. You could put most of your descretionary money toward getting out of debt. But I believe it is best to give something. In the long run you will get at least part of the money back no matter how little you give.
8. SET A GOAL FOR FINANCIAL BLESSING
a. First you need to set a clear and specific goal.. “I have a goal of $10,000 for my financial goal
b. Next set a definite deadline for reaching your goal. You need to set a definite date for reaching your goal. “I will have $10,000 by Oct. 7. 2019.”
c. Writing down your goal on paper or on your computer or phone is an important step. There is great power in writing down your goals. You are more likely to remember it . You are more likely to act on it too.
d. Finally, put it somewhere where you see it everyday. This is another important step. This will keep your goal in your mind every day. This step reminds me of the George Harrison song. “I’ve Got My Mind Set on You”. It is a love song of course but this is a different sort of love song.
9. MAKE A PLAN
a. Set out a plan that makes you comfortable. Give what you can realistically without straining your budget.
b. Make double sure it is realistic for you now. If it is not make an adjustment. Adjust your giving down if you must. The important thing is to get started.
c. Make sure your deadline is realistic. Make your plan for at least 6 months ahead.
d. Simply write out your plan completely and clearly. “My plan is to give X amount per week for 6 months.”
e. Put your plan in your wallet or by your mirror. That way you can see it every day. You will not forget to focus on your plan.
10 GIVE CONSISTENTLY
a. Start immediately to implement your plan. You know what to do and how to do it. Start now so you keep your momentum going.
b. You can give weekly or monthly. However be sure you give consistently and joyfully.
c. Stay on course through 6 months to a year. Then you can re-evaluate. You can make adustments up or down as nedded.
d. Keep your own records. I have a separate account just for giving. That way I kow much is going in and how much is going out.
e. Enjoy your blessings. There are many. They are financial for sure. Blessings of joy and love are also part of the blessings you can expect to receive. God will bless you if you are acting rich toward God.
Please comment or discuss this. What do you like best about this article? What would you like to see that is not included.?
Please share this on social meda if you like this discussion. Thank you..
Tithing is the primary source of financial blessings. There are some simple tithing strateges you can use to make sure you can conitinue to give at the same level and still have money left over.
As I see it there are five levels in tithing.
But first let us look at the spiritual benefits of tithing.
1. Tithing changes your attitude toward money. You can’t give money generously without realising you can’t take it with you. Your attachment to money is relaxed.
2. It changes your attitude toward God. It increases your trust of God. When see with your own eyes how God blesses you and keeps his promises it brings you closer to God.
3. Tithing also changes your love of the church. Where your money goes there goes your heart also. You will love the church more. It will matter more to you.
4. Tithing gives a joy that is amazing. Tithing allows you to help other people in need and that brings a good feeling.
5. Tithing makes you feel good about yourself. You cannot be a selfish person and give generously.
DIPPING YOUR TOE IN THE WATER
1. First there is giving at any level less than 10 percent of your income. I call this the beginner level. This is where most people start in my obsevation. I was treasurer for our church for 4 years.
At this level you are just learning about giving. We are asked to give cheerfully. Most people are not comfortable at a level higher than this. At least in the beginning. Some say that giving less than 10 per cent is not enough. I agree with that up to a point. However we alll have to start somewhere. We do not all have the faith to give more in the begining. We tend to doubt our ability to afford the increase in giving.
TESTING GOD ON TITHING
God asks us to test him on the giving of tithes.
One way to test God is to… gradually increase your giving. Then watch for the financial blessing in return. It will come. But most of us are not aware it. Make yourself aware by looking for it. Rejoice when you see the return. It will be in proportion to the amount you give. If you give double what you gave before your financial blessing will double.
When I first started increasing my giving I did it v-e-r-y gradually. If I strated at $5 per week I increased it to $6 the next week and maintained that level for a month. Next I increased giving to $7 per week. I continued this way for about 6 (six) months. The first time I noticed the return on giving it was a check for $653. I was so excited to see that. I knew that was mine because it was almost exactly half of what I gave. This was proof to me that God does what he promises when it comes to giving and receiving.
My trust level went up a notch or two.
2.My next step was to move gradually toward the 10% tithe level. This is a milesone to be sure. Only about 5% of Americans give at this level. So when you reach this you have really achieved something. Only 10-20% of Christians give at this level. Some denominations expect or even require giving at this level. Most do not expect everyone to give at this rate. Giving is supposed to be voluntary according to my reading of the Bible.
It is inportant to realize that God does not demand 10%. But he really likes it. And… he rewards giving at the 10% level. As I continued my experiment I realized the reward was greater than it was at the lower levels. So it is important to try for the 10% tithe level. In my experience the reward doubles at this level.
So I increased my givimg from $5 to say $20 per week. But this was still not at the 10% level. It took me years but I did get to the 10% level of giving. On the journey upward my igiving doubled again . The rewards doubled also. The ratio of the reward was the same as it was at the first level. But since the total of giving was greater so was the total reward at the end.
MOVE STEP BY STEP TO 10%
So I urge you to move up tp the 10% level as gradually or as quickly as you want. It is not so imprtant how you get there. But I really believe it is important to strive for the “real” tithe level which of course is 10%. At this level the reward ratio doubles. It is like receiving a very nice bonus on your paycheck every six months or so.
GET YOUR BONUS REWARD
Keep moving toward the goal of giving 10%. Stay focused, be disciplined, and perservere. You will get there. You want to stretch your income don’t you? This is one of the best and easiiest ways to do just that. The only way to experience the rewards is to do the little things you need to do. Keep giving at higher and higher levels until you reach the mark. There is no better feeling than to reach this kind of goal. There is joy in giving and… there is the financial result too.
FINANCIAL BLESSINGS LETTER
I received a letter one day that looked like a chain letter but with a twist. It did not ask for any money ! It only asked me to send out 20 copies of the same letter. It said to mail it within 72 hours.and I would receive a financial blessing. I failed to send it out before the deadline.
A few days later I received another copy of the same letter. This time I did send otf the letter. I said a little prayer asking for a big difference in my finances between the days following the first letter and the days following the second letter… if there was such a thing as a financial blessing from God.
The difference was dramatic.. The next time I checked my schedule I was not scheduled to work at all for a whole week. In the 6 weeks after that I had more than the usual number of hours of work. This made me realize that God controls my finances. My employer does not.control my financres. Uncle Sam does not control my finanes This was an amazing experiment that showed exactly who controls our finances.
MOVE TO THE “SILVER” LEVEL
3. To move to the silver level you give more than 10% of your income. This can be done gradually like you may have done before at lower levels of giving.
I once gave at this level (20%) to be precise for six months. After the six months of giving I received a blessing of all of the giving plus 23%. This was fantastic. There is no way to get 23% consistently in the stock market for example.. Cerificates of Deposit pay 1% or less.. Usually much less. All other alternatives have drawbacks..The results with tithing are guaranteed. They are also greater than almost any other “investment”.
THERE IS A “GOLD” LEVEL
4. After you have reached the silver level where can you go next? Next is what I call the “gold” level. What is the “gold” level of giving you ask? It is substatially more than the silver. I would put it at more than double the silver level. It would be something like 50%. This is a big jump. Yes it is. But the benefits take a big jump also. I have not tried this level yet, but I am working on it. If you want to take your giving to the next level this is it. It could be a little more or a little less depending on your situation. It also depends on your comfort level. Keep breaking barriers if you want to reach the top. If you don’t that is o.k. too. You have complete freedom in your giving.
GO FOR THE “PLATINUM” LEVEL?
5. You can go for the top level if you feel comfortable with that. However,do not try this unless you have enough in savings to live off for one year. This is really important. You need to have a real and substantial cushion. You don’t want to spend money you need to live on. Don’t give the money you need for rent or the mortgage. Don’t give money you need for groceries. Be conservative so you do not put yourself in a bind.
This level is giving at a sacrificial level. This is givibg at 100% of your income. If you are not in position to do this…DON”T DO IT. Please heed my warnings.
If you can do this, do it only after experience at the lower levels. This is not the place to start.
If you definitely can afford this, the blessings will be GREAT. You will be amazed by God’s generosity. There is nothing else like it.
It definitely takes a lot of faith to give at this level. You need to trust that God will do what he promises.