Make Money Online Fast Secrets to Making Money With ClassifiedsWe talk about benefitsMake

Make Money Online Fast–Insider Secrets to Making Money With Classifieds

One way to make money online fast is to use the small but powerful clasified ad.  Online classifieds are fast. You do not have to wait for weeks to get your ad out there as you do in print. 

There are many little things to consider when you are using online classified ads.  We will talk about them here.

We talk about benefits first

The most important thing is to put benefits first.  What is a benefit? A benefit is what the product or service will do for you.  A feature on the other hand is a description of the product. So a BENEFIT tells what it does for the user. A FEATURE tells how many pages are in a book for example. It is really important to know the difference.

Benfits help you sell. Features only describe the product or service.

Make a BIG Promise

So when you are starting out your ad you want to tell the BIGGEST BENEFIT FIRST.  Make a BIG PROMISE.  That will get attention.  Small promises can easily be skimmed over.  But a BIG promise will stop the reader in their tracks. This is exactly what you want.

Be very Specific

It is important to make the promise very specific. Tell the reader exactly what they will get from your product or service. For example,

Lose Wieght Fast. Lose 10 pounds in 7 days. That is a BIG promise.

Lose weight gradually. This headline would not attract much attention.

Start on a shoestring

Another reason classifieds are good to start with is they are free or low cost.  It does not take thousands of dollars for a small classied ad.  You can start for $5 or $10.  Many are free. We will talk more about that later.

Offer FREE Information First

If you are offering a product or service in print it is almost always best to offer free information.  This is called a two step ad.  It would cost a lot to give all the details in the ad. You would send literature with the full details in a follow up mailing.

In an online classified you could refer someone to a website to get the full details.  Again this is faster than waiting for your literature to come. You are still offering free information on a website intstead of a mailing.  Offering FREE INFORMATION is an important part of the success formula. 

Use the AIDA Formula

This is a formula that has proven to work over and over.  It is a formula that sells.

The first “A” stands for attention.  You must get the readers attention or nothing else matters.  You will failotherwise.. To get attention you need to make a big promise as already mentioned above.

The “I” stands for “Interest”.  You can say something that gains the readers interest like “secrets revealed”.

The “D” stands for desire.  You can build desire by telling how you will fill the big promise.  The final “A” stands for action.  At this point you need to tell the reader how to act. What do you want the reader to do. Do you want them to write, call, or  go to a website.

This simple formula will help you to get the results you want. You will get inquiries, calls, orders or visits to your website.

Tell how the reader will get the benefit

Now we need to tell exactly what will bring the big benefit to the reader. For example, 

Lose Weght fast. 10 pounds in 7 days with Weight-Loss Magic Pills. 

Now your reader has an idea of what can bring the benefit you have talked about in your ad.

Put your name in the ad

Before you put your name in you need to tell the reader exactly what to do.  You want them to go to your website. Or write if you are using postal mail.

Next you can put your name in the ad.  It could just be your own name or your company name. Using your own name is more personal. So that could be your first choice.  People like to do business with a person.  They don’t want to do business with a corporation. So you could use your own name like John Smith.

You could combine the two so that you use your name in the company name. Use something like Jones Publishing. 

Put the address in your ad

Next it is time to put your address in the ad.If you are advertising online you put your URL.  For example,   If you are using mail you would use your postal address. Make it complete without using abreviations except for the standard state abreviations.

Where do I  place ads

First you want to place ads where there are other similar ads.  If the ads are for real estate you don’t want to try to sell a book there.  Look for a business opportunity section if that is what you are selling.

Are there free ads?

Yes there are many sites that have free classified ads. I found online a list of 31 of the top free classified ad sites.They include some well known ones along with others you never heard of before. You can just google free classified ads or something similar.

Free Classifieds online-Top 31

Here I found a list of the top 31 free classified ad sites. They include Ebay and Craiglist and many others. Adpost and Ablewise have business opportunity sections. These could be very important to you if you adverise in that area.

There are low cost ads

There are low cost classified ads that are worth considering. They may be more effective than free ads.  You will just have to test to find out. If free ads work for you that is the way to go.  If not then try low cost classifieds.

Be sure there are similar ads to yours

I already mentioned this but be SURE to advertise where there are ads similar to yours.  If there are not then go somewhere else.  You will be wasting your time.

Cut the number of words if necessry

You may have cut the number of words in your classifieds If there is a word limit.  Or if you are paying by the word. In that case be sure to make ewvery word count.  Cut out any uneccessary words. Keep only the essential words.  Words like and or the can be cut out.  Use a comma in place of and.

You can offer two benefits in one ad

You can strenghthen the impact of your ad by putting two powerful benefits into one ad. You could offer fast weight loss and increased energy.

Test Test Test: Testing is one key to success

It is important to test your ads. Try different ways of offering the benefits. be sure to test  different sites against each other to see which one works the best.  In time you will have a list of the best for your offer.  When you have a winner you can repeat the same ad over and over maybe even for years.

Testing will help you get the most from your little ads.

Online, Offline or Both

If you have an online business then of course you need to advertise online. But you might enhance the performance of your ads by using online and offline ads.  This is something I am considering and you should too. My advice is to test this as well as other options.

Types of benefits that work

Here is a short list of the types of benefits that work in advertising.  This is not a complete list.

Making money, saving money, lose weight, look better, better relationships etc. 

Some low cost classified ads online

Here are some classified ad sites that have business opportunity ads.  They are:

There is also one for print advertising in newspapers. It is American Classified Services.

Putting It All Together is Powerful

When you finally put everything together that is in this blog you will have something that can bring in income for many years to come.  After you get established you can coast a little and spend more tome filling your bank account.

Remember classified adveritising is the simplest form there is.  But there is one more piece to the puzzle and that is how to write a sizzling sales letter to respond to the people curious about your offer. I will have another blog post on letters in the near future. Again the same principals apply to online or offline classified ads and to sales letters. So enjoy the journey and have fun making money. Good luck.

For more information on this topic click here

“Making Money With Classified Ads” Benefits

            “Making Money With Classified Ads” Benefits

1. $1,080 a month by a 16 year old

A 16 year old boy with no marketing experience soon made over $1,000 a month selling books by classified ads. He placed ads in Popular Science magazine.  That was before the digital age. Now you can do the same thing in a little bit different way.  You can use online classied ads.  They are cheap but powerful.

The boy saw an ad in Popular Science for a book on chess. He sent for information. He bought the book.He made a list of books he wanted to sell. He wrote to the publishers and made a deal with each one to sell their books by mail for 50% off the retail price.  It wasn’t long before he was making $1,000 a month selling the books. This he did this with no marketing experience.  You can do what he did with a digital twist. More about that in a minute.

2. You can do this

Classifieds are shorter and simpler than full page ads.  Anyone can learn how to write classfieds that will work. A typical classified ad is 20 to 40 words. There is a simple formula for writing these short ads.  We are talking about online or offline ads.  They both use the same simple formula.

3. Melvin Powers SHOWS YOU exactly what to do

Mevin Powers shows you exactly what to do.  He has done this many times over a period of 40 years. He has shown others how do it. These are people just like you.

He takes you step-by-step through the process of creating winning ads.  He even shows examples of what did not work and expains why it did not work.  You get to see the inner workings of a millionaire’s mind.  To do this in person would cost $5,000 or more. You get the same benefits for a tiny fraction of the cost of a personal consultation. This is a REAL BARGAIN.

4. Believe in yourself and you will succeed

Melvin Powers talks about the differences between those who succeed and those who don’t.  One key is to believe in yourself.  There is nothing more important than that.  There  is nothing simpler than that. If you give yourself the right mindset. 

Just say to yourself “I can do this. Others have done it. I can too.” Repeat these statements over and over to yourself if you must until you really believe it. This is the power of suggestion at work.  People who study the subconscious mind say that your subconsciuos mind will believe  whatever you say. If you make positive statements, it will beleve those and begin acting on them right away.

5. Follow the steps recommended by the author teacher

So follow the simple steps laid out by the author and you will be on the road to success. It is as easy as 1,2,3. Remember Melvin Powers has done this a thousand times over many years.  He can lead you to where you want to go. 

There is no easier way to make money than following these simple steps.  

6. Be persistent– never give up

Stay with it no matter what. You are following proven steps to building a business.  Too many people give up just when they are about to be successful.  Don’t let that be you. Persistence pays.  

Sometimes a small ad will just not work.  That is ok. Then you can just move on. Move on to  a different  small ad.  Stay with the program even if you fail a few times.  That is normal.

Tony Robbins has said that those who succeed the most are those have FAILED THE MOST.  They have tried a lot of things. They have taken action. In the process they have succeeded many times also. So don’t be afraid to fail. Please don’t give up.

7. Learn a simple formula–follow examples of success

There is a simple formula for success with classified ads and small display ads. Melvin will show you exactly what the formula is. The formula is so simple a 12 year old could do it.  You do not have to be a genius marketer. You do not need any previous marketing experience at all. It really is simple.

This book is for beginners or experienced marketers.  The beginner will learn the simple formula.  At the same time more experienced marketers can learn something too.  This is some really powerful information.  It could even make you rich. This is not hype. It is the truth. After all Melvin Powers became a millionaire using the same techniques you will be using.

8. Write down your goals and read them every day

Goals are extremely important to your success.  So you will want to come up with clear, specific goals. Then write them down. For example,

“I am making $1,500 a month selling information by using classifieds and other small ads.” Set your goal. Write it down. Put it where you can see it every day.

9. Take action immediately

As soon as you set your goal take steps to make it come true.  In this case you can decide to own this book and begin your education in making money with classified ads.. Start TODAY. 

10. Do not try to reinvent the wheel–learn from success

Follow proven formulas for making money.  There are many schemes and scams for making money but this is a PROVEN SYSTEM for making money. If you do the same things a successful person does you will get the same or similar results.

People just like you have been very successful with Melvin’s methods.

11. Start on a shoestring

Part of the beauty of using classifieds ads or small display ads is that you can START ON A SHOESTRING. It does not take a lot of money to get started.  You can start with a $100 or less.  All you need is a very small test to see if your ad works.  From there you can multiply your ads and keep growing..  

12. Learn from a millionaire

With this information packed volume you can learn from a millionaire.  You can learn from a real money-making expert.  There is no better way to discover the secrets to making BIG MONEY.  You could be making thousands a month within a year.  When you learn from someone who has done what you want to do you have an opportunity to make real money faster than you thought possible.

13. FREE BONUS Report for fast action

For those you act quickly I have a special bonus you have never seen before.  I call it the“$166,403 cash bonanza report”. This is based on my own experience.  It is one of the most exciting things in my life. 

But you must act soon. Order within by September 30 to get your very own FREE COPY of this exciting bonus.  I guarantee you can benefit from this too. It is easy. It is fast. Anyone can benefit from this amazing report.

14. Order your own copy now

There is a 100% MONEY-BACK GUARANTEE if your are not satisfied. I don’t believe that will be the case. You will love it.

Send a piece of paper with your name, street address,city, state and zip code on it.  Enclose cash, check or money order for $30. This includes postage and handling. Write the words “MAKING MONEY WITH CLASSIFIED ADS” on the piece of paper.  Send it to:

NJS, P. O. Box 89, Paoli, IN 47454

You will be glad you did. Good luck. I will give you free consultation by mail if you need it.

Best Retirement Calculators

                                  Best Retirement Calculators

There are many retirement calculators out there. This artitcle is just going to give you a few.  I will tell you what I like and don’t like about each one. 

                                      Chris Hogan Calculator

The Chris Hogan calculator will show  that you need more money than other calculators do. The reason is simple.  They do not include Social Security at all.  This is a very conservative approach that makes sense.See

                                           AARP Calculator

The AARP calculator for retirement does depend on Social Security in its calculations.  If Social Security is reduced you may have less money than you thought.  Keep this in mind when you use this calculator. This is a good calculator for most people.

                                  New Retirement Calculator

This calculator is the American Association of Individual Investors Editors Choice.  This is very good.  In fact there are three calculators.  There is a simple calculator, a Social Security calculator, and the super all in one calculator.

I was using the simple calculator and it was changing grahics after each change I made in checking different scenarios.

 The changes were quick and accurate. It used graphics to show when your money would be expected to run.out. It took into account my age and my wifes age.  She is five years younger and expected to live as long or longer than I am.

New retirement has more than just calculators it can help you plan for your retirement. They even give advice and options on how to improve your plan



                                       My Favorites

My favorite calculator over all is the New Retirement clculator.  It gives you the most options. It is quick and accurate.

It has good graphics showing where you stand with different scenarios.

                             What to Do If You Are Short

1. Delay Retirement  

Delaying retirement is a good option for many people.  If your health is good this could be one of the best options for you.

If you delay for three years for example that could cut your retirement needs.  At the same time it gives you the opportunity to save a lot more.  This is a double benefit.  Delaying three years will reduce your needs by say 15%.  At the same time you could have time to save 10% more.  Or even more than that. The combination of the two makes a REAL difference. 

2. Delay Getting Social Security

If you delay getting Social Security you will receive more per month. You will receive about 68% of your full benefits at age 62. You receive 100%  if you wait until full reirement age of 66.  If you wait until age 70 you will get about 132% 

.Your checks will be larger each month if you delay. But the total amount of benefits you receive will depend on your life expectancy. That you cannot know exactly.  However there are calculators that help you determine that you have a 75% of living to age 90 for example. Companies that sell annuities can help you estimate how long you may live.You just have to answer a few questions about your health and related items. I believe the new retirement site has a calculator for estimating your life expectancy.

I just checked a calculator for abaris-how long will I live? Or just google “life expectancy calculator.”

3.Save More

Even if you don’t delay retirement you can try to save more.  Use the calculators to get an idea of how much more you need to save.  Try to save 15% of your income  AT LEAST.  You will be surprised at how much you can save when you really focus on that.  We tend to attract what we think about.  So think about saving more.

4. Spend Less

Spending less will help you to reach your goals sooner.  If you save more you will mostly be forced to spend less.  The two go togeter like peanut butter and jelly.

5.Add additional side incomes

Adding side incomes can really help a lot.  If you only make $1,000 a month but do it for 20 years that’s a little less in percentage terms than A QUARTER OF A MILLION DOLLARS– $240,000 to be exact. 

See the artitcle on affiliate marketing for one way to make side income. See the Wealthy Affiliate review for a specific opportunity to make money. It is my #1 recomendation.  See it now

See the Making Money With Classifieds Ads Review for my #2 recommendation. See this now

6. Work More Hours

If you are working only part-time perhaps you could work more hours.  This would allow you to save more.  Be sure to keep spending as low or lower than it was before.  I would be careful about working too many hours.  Working overtime may not be right for you.  It depends on your health and other factors.  Allow time to do the things you enjoy.

7. Budget Better

A budget is simply a spending plan.  It allows you to have enough for all the neccessary items like food, gasline, insurance etc.  Be sure to allow some fun expenditures.  Vacations are important in retirement for happiness so don’t be afraid to spend a little there.

If you have not had a budget before you can keep track of all your expenses for 30 days at least.  This will show you what you spend now. It will also show you where you spend.  Make a list of all the important items and allow for some fun money too.  

” Making Money With Classified Ads” Book REVIEW

           ” Making Money With Classified Ads” Book REVIEW

Introduction: This an important book for anyone who wants to sell books by mail.  It is also good for selling many other products by mail.  I have used the advice in this book and I have had good responses  to my ads.  The principles are the same for print or online classifieds.


Title: Making Money With Classified Ads

Author: Melvin Powers

Publisher: Wilshire Book Company

Edition: 2002

Pages: 240

Overall Rank:  93 out of 100

Who is this for?

Making Money With Classified Ads is for anyone who wants to make money by mail and is just starting out. It is for the beginner and more experienced people.

Table of Contents

 Includes: How to Get Started With Classified Ads, 

Finding a Money-Making Product,

How to Write Classified Ads,

Making Money with Multi-level programs

Two step classifieds can make you a millionaire like me

One-inch display ads

Full page Display ads can make you rich

Nuts and bolts of mailorder.

Melvin Powers Success Strategy

What to do if you are not successful right away

 Good and The Bad

Melvin Powers has 40 years experience selling many products by mail but his favorite is selling books.  He has sold million bestsellers such as Psycho Cybernetics by Maxwell maltz, M.D., Think and Grow Rich by Napoleon Hill, The Magic of Thinking Big by David Schwartz,PhD., and Three Magic Words by U. S. Andersen.

Melvin Powers ran successful ads right away even though he had no marketing experience when he was 16 years old. So can you he says.

This is a well-wriitten book by a man with a lot of experience.  This is worth your time to read it. He can show you how to succeed almost immediately.

I have some experience placing classified ads and I believe this is a very good book that lives up to the promise in the title. You will make money if you follow the instructions and guidelines.

The are some research and study assignments to do.

.There are many examples of ads that worked. You can use these as models or idea starters.

Chapter 5 is full of gems.  He talks about lessons learned.

The bad

Not every classified is going to be a hit.  Reading this book like a novel is not going to help you succeed.

The Price

Price:$ 20.00 plus shipping and hanling. I paid $27.00 on Amazon from Half-Price Books.

My Final Opinion

My Final Opinion is that this is a very good book on how to make money with classified ads.  It is the most complete and is written by an expert.

The Verdict:

Legitimate classic.

At a Glance

Title: Making Money With Classied Ads

Author: Melvin Powers

Publisher: Melvin Powers Wilshire Book Co.

Overal rating: 93 out of 100

Available at:benefits page





The Importance of 2 or 3 Sources of Income

                The Importance of 2 or 3 Sources of Income

Having at least 2 or 3 sources of income is very important these days.  Jobs can be lost.  Social Security is under attack by some politicians. The numbers of those who have pensions is declining.  We are left to help ourselves more and more. Because of these trends many  more people are starting their own businesses.

According to National Institute on Retirement Security a “new analysis indicates that Americans in nearly every state will fall far short in meeting their economic needs in retirement.”  California, Florida and South Carolina are among the LEAST PREPARED and Wyoming, Minnesota, Alaska and North Dakota are MOST PREPARED.

Pensions are Declining 

Statistics show that the numbers who have pensions is declining. In 2006 almost half of households had access to pension income. I believe the numbers are decling now but I don’t have specific figures.

Social Security is Not 100% Secure

There has been a lot in the news about Social Security not being all that secure.  “Social Security trust fund projected to tap out in 2034” was the headline I recently saw on line.

Social Security Was Never Intended To Be A Total Retirement Plan

Social Security only covers about 39% of retirement expenses for most people.  Right now 37% of future retirees are almost totally dependent on Social Security.  This group has $50,000 or less in savings.

Richer Americans Have Multiple Sources of Income

The rich are good examples for the rest of us when comes to money.  They have at least 2 or 3 sources of income.

Some have many more than that. So lets follow their lead and have several incomes coming in. There is security in multiple incomes.

More Sources Equals More Security

I will say it again. There is security in several sources of income. If one fails the others can take up the slack.

There is no better feeling than knowing you are going to be ok no matter what happens. If you are like me financial security is very important.  I estimate that only 25% or less have a really strong need for financial security. That may explain why so many are not prepared for retirement.

Add Sources of Income

So we need to add sources of income.  Pensions, investments, real estate, side businesses are some of the potential sources.  Every one’s  circumstances are different.  If you don’t have a pension then you need the other incomes even more.

Investments are One Source

Only a relatively small precentage (14%?) have $100,000 in a 401k.  For those folks who have less  I recommend putting in the maximum.  Aim for 15% or more of your income.  

One young man at the time I recommeded putting 10% into his 401k., Aim to make 10% on his money. Continue to contribute 10% for forty years and he would be a millionaire. He now has a lot more than $100,000. I urged him to more into his account in the early eighties I believe.  He showed me his check stub to prove that he was really putting in 10% of his income.  

Now I estimate he has accumulated  close to $500,000 or more. That puts him in the top 15% or better. He is on his way to having one of the keys to a happy retirement.

Side Businesses are Another Source

Side businesses are another source.  If you have never had a side business, now is a good  time to start.

You need the money. It gives you a purpose to your retirement. It gives you a core pursuit.  It can be FUN!  And it is never too late to start a business.  Fifty one percent of businesses are started by those over 50. and up to 80..

Turn a Hobby into a Business

If you wonder what to do in your side business, you can turn a hobby into a business.  For example I had a blog as a hobby for the last two years . I did not make any money.  Then I decided to start another one with the purpose to add income.

See my article on affiliate marketing. Then take a look at my Review of Wealthy Affiliate. This will show you exactly what I am doing now.  I am learning a lot. It is fun, too.

Then I recommend you take a look at the Wealthy Affiliate website and sign up for free for 7 days. You have nothing to lose.

10 Secrets for a Happy Retirement

Happy Retirement Secrets

“10 Secrets for a Happy Retirement” was inspired by a book called “You Can Reire Sooner Than You Think” by Wes Moss. He is the host of Money Matters and Barons 2014 top financial advisor. Jeff Haden wrote “10 Surprisingly Attainable Traits of a Very Happy Retirement” for based on the Wes Moss book.

1. Need a healthy income but not six figures

The household income of very happy retirees is $92,000 at the peak earning years.  The was for total household income not for each person.  It is LESS THAN six figures.

2. You Don’t Need a Huge Income Now

The household income currently is $82,000 for happy retirees.  This is a high income but it is for the household not per capita.  It is still less than six figures in income.

3. You Do Need a Substantial Net Worth But Not Millions

Happy retirees have a net worth of $500,000 in liquid assts.  This is fairly high but even the happist retirees did not have $600,000 in assets producing income and providing a cushion. $500,000 is like a magic number for a comfortable and happy retirement. You don’t need a million dollars for a happy retirement.

4. Do Not need a huge house

The average happy retiree had a house worth $300,000.  It does not require a mansion to have a happy retirement. In some areas this would be a very modest house.

5. Happy retirees have no mortgage

Happy retirees have no mortgage.  Their house is paid off.  This gives one a sense of security.  No mortgage means no chance of losing your home even if your income changed drastically. Pay off your mortgage early .  It should be possible for nearly everyone if you make that your focus.

6. Happy Retirees Have 2 or 3 Sources of income

This makes a lot of sense.  I met a man who was living on social security alone.  His medication took half his income. He was in poverty.  Two or three sources of income would have helped his situation enormously.

7. Happy Retirees Have a Strong Sense of Purpose in Life

It is important to have a purpose in life.  And it is important to know what it is.  It gives you a focus and satisfaction.

8. Happy Retirees Have 3 or 4 Core Pursuits

Happy retirees have activities that give them a good feeling about themselves and their life. it could be a hobby or a business or travel or playing with grandchildren.

9. Happy Retirees Live in the City or Suburbs

According to the research happy retirees live in the city or suburbs. 37% of “unhappy” retirees reported living in a “rural” area. We need the stimlation of being able to interact with other people.  Watching television all day is not going to do it.

10. Happy Retirees Take Vacations Every Year (2 at Least)

This is one place where it pays to spend some money.  The payoff is greater happiness. Vacations are both stimulating and relaxing.

Use These Secrets as a Checklist

See where you stand in each one of these areas.  Then work on the ones where you are weakest. This will put you on track to be a very happy retiree.  Good luck and have a happy retirement.

Purpose and Core Pursuits

If your purpose and core pursuits involve running a business, especially an online business, you can learn to start now by clicking the link: learn more


                   INVEST IN YOUR ONLINE BUSINESS–Ten Reasons

1. Best Return of any investment

No other investment I know of can bring the rewards of having your own business.  A small investment can bring a phenomenal return.  One man I know about turned $718 into an average of $6,500 a month in less than two years. True story. There are many other examples.

2. A little money goes a long way

You can turn a paltry $359 a year into thousands a month. There are many who are making over 300 referals in a year which comes out to $52,500 a year. or more.

3. You invest mostly time at first

You will invest a little time getting rolling.  But after a year or two money will be rolling in. If you stay with it and finish the whole course I can guarantee that.

4. Learn first then earn

First you will learn what to do . Then you will learn how to do it. Like learning how to use keywords to build traffic.

As your experience grows so will your confidence.  Then your earning power will definitely grow too.

5. You have control

With your own business you will have more control over your results than you could on Wall Street.  There is nothing else like it.  If you work a little longer or a little smarter you can double your money in a short time. Maybe even in a matter of months.

6. Affiliate marketing is the easiest way

Affiliate marketing is the easiest way to start to earn money online.  It is the idea that you don’t have be big or rich and famous.  People will trust the company like Amazon.  You will get a percentage of the money spent by people on your website.on Amazon products.

7. If you can talk  or write an email to a friend you can do this

If you can talk you can write.  If you can write an email to a friend you can blog.  Blogging is just writing like you talk. This is one of the easist ways to make money online.

8. Explosive growth

Not only is explosive growth possible but it likely if you persist.  Invest only $718 and turn it into a 10,800 % increase in 2 years or less.. That is an average of $6,500 per month.  That is what my online friend did. While I can’t guarantee you will equal that, you might do better.

9. Real people are making real money  

Many people in the Wealthy Affiliate program are doing very well.  The top earners make over 300 Premium sales in a year.  If you made only 100 Premium sales in a year you would be at $17,500. Not bad for part-time work.  Making much more is definitely possible.

10. Persistence and passion win

I recently read about a study of spelling bee contestents. The study found that the most successful were the ones who practiced the most on their own.  Those who did group study were not as successful.  So being persistent and passionate will give you the best results.

11. Community is great.  You are not alone.

Wealthy Affiliate has a great community of like minded people.  They are positive and helpful. There are 800,000 in this great community.  You can ask questions any time. You have several different ways to do it. It is wonderful to know that you are not alone.

12. Support is Super

The support in Wealthy Affiliate iis superb and that means excellent. Haha! For more information on Wealthy Affiate click the link below:

Retire Inspired Review

Retire Inspired Book Review

Name: Retire Insspired

Author: Chris Hogan

Publisher: Lamp Licensing–Ramsey Press

Pages: 260 pages

Overall Rank:  97  out of 100


Retire Inspired Overview

This book is for anyone who wants to retire someday whether you are 25 or 55 or older. It stresses the importance of taking action now to avoid a retirement in poverty.  Many baby boomers are not prepared right now.

The Good & The Bad

The Good

No boring jargon.

An inspiring book that teaches that retirement is not an age but a financial number.

Anyone can retire well if they turn wishes into plans.

Best book for anyone who wants to make the most of their retirement years.

Can show anyone at any age and any income the steps to aceive their retirement dreams.

Shows what you can do if you staet late, you can still end up a millionaire.

The Bad

In your retirement calculations there is no sugar coating.  Social Security is a bonus not something to count on.

Who is Retire Inspired For?

For anyone who wants to retire and do what they want to and not what they have to.  The advice for anyone is to START NOW!  If you are ready for action this is your guide.



Price: $17.24 plus $3.00 shipping plus sales tax. If you get a $25.00 membership you save the shipping fees.


My Final Opinion of Retire Inspired

My final opinion is that Retire Inspired is great book to help you acheive your retirement dreams  There is no jargon to bore you.. It is an action oriented book.

Retire Inspired at a Glance

Name:Retire Inspired

Author:Chris Hogan

Price: $24.99 suggested retail price  Online price:$17.24

Overall Rank 97 out of 100

Verdict: Inspired

This book is useful and easy to read. It also inspires you to action to make your dreams come true.

To get started on your retirement dreams now go to and order this excellent book.

Best Investments For Retirement

Best Investments For Retirement

I bought a book called How To Retire Happy by  Stan Hinden.  In the section on investments it lists 5 investments for retirement. They are multisector bond mutual fund, high quality dividend-paying stock portfolio,variable annuity, and  then a managed diversified portfolio strategy and  a managed portfolio of exchange traded funds.Today we are going to focus on stocks.

Stocks Are A Top Asset

Stocks are a little piece of a company that you own.  They tend to grow in value over time. Stocks are usually what you own in your 401(k). A mutual fund is a group of 100 to 200 companies that are owned by many people.  They ae mutually owned.

Advantages of Mutual Funds

One of the advantages of mutual funds is that you own more than one company.  If something bad happens to one company it will not hurt the whole mutual fund.  There is safety in numbers.  A  mutual fund is safer than one single stock. You own a whole basket of companies.

One Top Fund For Years

In the past 10 years I have noticed one mutual fund that is consistently at or near the top of stock mutual funds. It is the Fidelity Contrafund.  Morningstar rates mutual funds and they put Fidelity Contrafund in the top 40 out of 8000 mutual funds.  This is information we need to know to help us retire happy with plenty of money.

Use the Power of Compounding–the Milionaire’s Secret

It is really hard to save enough for a comfortable retirement.  But fortunately we can use the power of compounding to help our funds grow faster.  In fact they can grow at a faster and faster rate due to compounding.  You begin to receive growth of your original investment plus growth on the growth of your investment.  If you have a 10% growth one year and then 10% growth the next year your total growth is not 20% but 21% because of compounding.

Investing is a Necssary Life Skill Today in America

All of us who want to retire need to learn the skill of investing.  Virtually all millionaires invest.  Most millionaires are over 60 because it takes time to grow an investment.  Time is on your side.  The more time you have the more sure you can be of having enough money to retire in style.  In retirement we want to go from doing what we have to, to doing what we want to.

My Plan For Investing

Say I have $100,000 to invest. I could invest it all at once. But what if it goes down 10% in the first month?  I could invest $20,000 a month for five months.  That way I automatically buy more when the price is low and I buy less when the price is high.  This plan forces me to buy low so I can sell high.  

Of course I want to put my money into one of the best performing funds like Fidelity Contrafund.  The fees are relatively low, the sisk is below average. All this according to Morningstar.

Good luck with your retirement plans and happy investing.


Please leave any comments or questions below. Thanks.

Wealthy Affiliate Review–Retire With Extra Affiliate Income


Is this the best website building platform I have ever seen?.  I have been with WA since Mar 3, 1917. This Wealthy Affiliate Review will show you how to retire with extra affiliate income. I will be talking about many different aspects of this website to help you get a clear understanding of what it is like. We will cover training, support, website building, wordpress hosting. research tools, success stories, price, and affiliate rating and more.

Overview and Rankings

Name: Wealthy Affiliate

Owner: Kyle & Carson


Training  97 out of 100

Support  99 out of 100

Writing  98 out of 100

Web Building 95 out of 100

WordPress Hosting  97 out of 100

Research Tools    94 out of 100

Success Stories    93 out of 100

Price  98 out of 100

Affiliate Program  97 out of 100

Overall Rating        96   out of 100

Training –Best online business training anywhere?

The training for Wealthy Affiliate is really good.  It is thorough and complete.  New training is coming on every week. There is more training than you will probably be able to use.  But it is all there if you need it.

You can get more help for free than most courses give you for a fee.  I took a course once for $89 to help me BUILD A WORDPRESS WEBSITE in 30 MINUTES.  I failed to get any website built at all.

I also bought a book that was supposed to help BUILD A WORDPRESS WEBSITE FAST.  I worked on it for a couple of weeks and never did get a website completed.  I got it started but then I got stuck.

In contrast I was able to build a website in less than 5 minutes on the Wealthy Affiliate platform.  I was amazed and very pleased.

Most of the training is by video and with some reading too.  The online entrepreneurship course is seven levels with 10 courses on each level.  The Affiliate Bootcamp course is seven phases of instruction. There are 10  lessons in each phase. Each lesson has specific tasks to complete, usually four. I like that each lesson is broken down into tasks.  It helps you see your progress as you move through the course.—-

Support–Always available

The support is very good and always available.  You have support from over 1,000,000 in the community.  It is a fantastic positive and encouraging community. There is no reason to stay stuck no matter what happens.  You can even ask a question of the co-owner Kyle.  Asking for help is as close as a bar at the top of your screen.  Just type in your question. Sometimes your question will be answered within minutes.  Sometimes it will take a little longer, but it will be answered.

There are people who are special helpers for each section of your training.  This is another way support is readily available.

Once or twice I had trouble logging in to my website.  So I read a discussion that answered my question.

There is also a special support platform for support on any issue with your website. Just click on the support and type in your question.

Siterubix Suite–Build a free site fast

The siterubix suite is where you can build a website in 30 seconds.  I took me a little more time. I took less than five minutes.  for my first website.  It really is that easy.  You just follow the directions.   This compares to my other efforts that failed completely or partially.

This is very powerful and easy to use.  You do not need any experience to build your own website in a few minutes or even seconds. I recently discovered how easy it is to add pictures to your website.  This adds visual appeal and makes your website more interesting and easier to read.

To get started building income go to the link below:


Website Hosting–Simple and Easy

It is a good idea to own your own web domain. You can do that here easily with a few clicks and thinking of a domain name. WA will even help you with that.  It is inexpensive too.  It is something like $15 a year or less. You can pay for one year or several. It is up to you.

Writing Platform–Easy and Fast

I am using the writing platform now to write this post. It is easy to use.  You are even given a total word count at the bottom of the page.  This can help you to know when you have reached your writing goals.  Very nice. It is easy to write bold headlines to break up your writing and make it easy to read.

You will also like the feature of your writing being saved automatically.  You never have to worry about losing your writing because you forgot to save it.

Keyword Tool–A Key to Your Success

The keyword tool in WA will help you get traffic.  It is called Jaaxy. Traffic brings rankings. Rankings bring more traffic and more money from your marketing efforts.  This is an easy-to-use tool that can really help propel your business to success. By using keywords that searchers use to find information you can build your traffic. To find out more go to:  Also see my post on jaaxy 

Affiliate Program–Best in the industry?

The affiliate program is the best in the industry.  I know that Amazon pays 4% and some others pay 8% but WA pays 50% to Premium members.  That comes to $175 for every yearly membership referral.  That is outstanding.  I don’t know of anything that pays better.  You can also get smaller but more frequent referrals of $23.50 for a monthly membership. Good luck in your affiliate marketing adventure. I believe this is the affiliate program you have been looking for.  There is nothing better for you to turn words into money.

Success Stories

Those people who went to the Las Vegas all expense paid trip sold 300 or more memberships.  One man that I follow reached the ten million mark in total number of visitors. That is truly amazing!  It is exciting and fun to read about the successes of others in the community.

I remember one man who started a membership website and he makes $6,000 per month.

Another member built up her website fast. She did it in only 2 years. She now makes $3,000 per month.


You get a free trial for 7 days.  Take advantage of your time.  After that it is  $19 for the first 30 days of Premium membership. Then membership is $47 a month or $359 yearly.   You save a lot with the yearly membership ($205).

This is a very reasonable price for what you get. You could spend a lot more and get less almost anywhere else. Compare this to the price of business courses at a college or university.  You could pay $359 for each hour of classes at a college or university.

Wealthy Affiliate Rating

My overall rating for Wealthy Affiliate is an outstanding 96 out of a 100.  From my experience with WA there is nothing close to it that I know about.  I have had interest in making money online for 9 years now. I wish I had discovered Wealthy Affiliate years earlier. It would have saved me a lot of time and energy.

Join Wealthy Affiliate. It is FREE. Get Started Now.

How to Claim Your Bonus:

When you join with Your FREE Starter Account, I am going to offer you a bonus if you decide to become a premium member in the first 7 days (includes a 59% discount).

When you create your account at Wealthy Affiliate I will personally contact you on your profile with a “hello” and more information about WA. I will tell you how to get help from me and how to claim your bonus.

The WA experience is going to be awesome. It includes my almost 3 years  experience and willingness to help any way I can.

You will never know what you have been missing all these years until you set foot inside Wealthy Affiliate.

Get started now for $0. Special Bonus when you join.  Set up your account and I will be contacting about details of your special bonuses.

Here are some of the bonuses I can offer you:

Free 24/7 support

Free two websites to start

Free keyword tool

Free video training

Free private messaging from me. I started March 3, 2017.

Start now on the road to passive retirement income by clicking the link here:


If you have any questions or comments leave it below at Norman@ and I will get back to you. Thanks.