How Much Money do you Need to Retire

How Much Money do you Need to Retire?

The amount you need to retire may be different from that of your peers; it could be more or less. To compute precisely how much you need to retire, start by calculating what you are likely to spend each month and judge the amount against your total savings.

Put your retirement age into consideration as well because especially if you want to retire young. These tips will help you figure out how much you need to retire comfortably.

Enough to Spruce up your Home

You have worked for most of your life. It is now to make your home a place you desire to wake up and live in every day. You want to get new hangings. And, a fresh coat of paint that will warm the place. You might even consider rearranging your furniture.

Heck! Why not invest in an aquarium to change how your space looks like. Speaking of which comeintothewater.com is an excellent place to start your search for high-quality, top rated home aquariums that will change how your home looks. In short, make sure that you use part of your retirement money to give your home a new lease of life. After all, you will be spending most of your time there.

Estimate Your Retirement Expenses

You will need to work out how much you are likely to spend in your retirement.  Be sure to include an estimate of the taxes you will pay. Look back at your spending habits. Determine which areas to increase or decrease expenditure as well. You may use an online retirement calculator to help you out.

Determine the Retirement Income

It is imperative that you figure out how much retirement income you will get from guaranteed sources. Such include pensions and Social Security as well as annuity payments that may come your way. You will then make a comparison between this income and the estimated retirement expenses.

Determine the Gap

The third step involves determining the gap between your retirement expenses and guaranteed sources of income. In essence, this difference will help you know the amount to withdraw from your savings account and investment each year.

Doing so will enable you to total up each year’s gap over the expected retirement years to come up with an estimate of how much you will need to have saved to cater for your retirement adequately.

Consider the Inflation

Factors such as the rate of return in your investment, the life expand and inflation, as well as the willingness to stick of your spending principal, will have a significant impact on how much money you will need to retire. To factor in these variables, it is imperative that you develop both the best and worst case scenarios.

If your retirement plans only work when things are running smoothly, then you need to figure out a different source of income. Perhaps you may even need to mull over your decision to retire early. Consider working for longer so that you can save more and have a solid retirement plan.

Don’t Forget to Engage in Fun

Retirement is a time to take things easy. It is a period to reflect and look at life in an entirely new approach. So,

Take Time to See the World

Since you are not working anymore, travel as often as you can. You want to see what the world has to offer out there and experience new things. Think of it as a way to help you reduce stress, a common problem with many retirees.

Besides, traveling help keep your body and mind active. Consider writing down places that you want to visit say in one year and so on. Of course, you should only travel to places that you can afford depending on the amount of your retirement fund.

Remember, you want to break the monotony and not to blow away your money.

Meet More People

You don’t need to lead a life of solitude after you’ve retired. On the contrary, you should see it as an opportunity to interact with as many people as you can.  Visit family and friends as often as you can. Get closer to your grandchildren. Create ties that will last a lifetime, even after you are gone.

The Bottom Line

You shouldn’t be scared of retirement. Still, you must plan for it. The last thing that you want is to spend your retirement years in anguish and pain. On top of that, start saving as early as you can to ensure that apart from your pension, you have some extra cash to allow you to live comfortably.

You may consider seeking the services of a financial advisor to help you plan how to spend your funds.

Calls to Action

Calls to Action – What They are and How to Make Them Great

Did you know that visitors to your website want you to tell them what to do? If they take the time to visit your page, read your content, and get on board with the product or service you offer, they like to know what they should do next.

For some businesses, this means going to the sales page, while for others it may be garnering likes on Facebook. The goal of your website is completely yours to decide; however, in order to get visitors to take these actions you have to implement effective, well-written, and strong calls to action.

What is a Call to Action?

To put it simply, a call to action tells your visitors, potential customers, or readers precisely what you want them to do.

For example, the phrase “Buy my eBook!” is a great call to action that is ideal for your eBook sales page. Other examples of great calls to action include “Like it!” and “Sign up to learn more!”

The problem is, many website owners opt for vague, unclear statements or non-calls to action that don’t get results. For example, “Here’s my Facebook page.” With this CTA there is no clear action for someone to take, as a result, they may leave not taking any action at all.

Some tips that will help you on your quest to create amazing CTAs can be found here. Using these best practices is guaranteed to provide you with the action and results you want.

Figure Out What You Want Visitors to Do First

You need to put a good amount of thought into this. Try to figure out beforehand so you know your end goal. This will help you craft the most effective call to action on your button, page, post, etc.

Some examples:

  • Do you want them to go to your blog? If so, say “Visit my blog!”
  • Do you want them to purchase your eBook or another item? If so, say “Buy my item!”
  • Do you want them to sign up for an email list or newsletter? If so, say “Sign up here!”

Be Short, Clear, and Concise

You need to ask your visitors very clearly to do that one thing – “Leave a comment,” “Enter your email,” “Buy now,” “Click here,” etc. You don’t need to beat around the bush, use vague wording, or anything else that is unclear. Don’t try to hide what you want a customer to do in wordy or flowery language, this can result in the person getting derailed. The key here is to be as straightforward as possible.

If Necessary, Repeat Yourself

You need to use your selected call to action several times in many cases. This helps ensure it doesn’t get lost. If you have a long page of sales text, you should insert your call to action (or similar variations of it) at a number of different points on the page. While you need to be careful not to appear “spammy” you don’t need your call to action to be hidden or lost in the other text on the page.

Guide to Starting a YouTube Channel

Your 5-Step Guide to Starting a YouTube Channel

We’ve all heard of someone who started a YouTube channel, gained a ton of followers, and made a bunch of money on advertising. Like with so many get-rich-quick ideas, the reality is more difficult than it sounds on paper. Gaining a YouTube following can take years of perseverance, and at least a little bit of luck. With these tips and tricks, however, you can be on your way to starting a professional-looking YouTube channel that has a good chance of success down the road. Here’s how to do it:

Step 1: Decide Your Niche

There’s a difference between getting viewers to enjoy a video and getting followers on a YouTube channel. Followers are invested in your channel and want to see that content you come up with on a regular basis. In order to gain followers, you need your YouTube channel to have a consistent feel to it. It should tonally stay about the same, and it should definitely have a topic, though the topic can be broad, like “parenting,” or narrow, like “hunting knives.” The narrower your topic—or niche—the less competition you’ll have for followers, but keep in mind that if you go too niche, you may not have any followers to be competing over.

Step 2: Invest in Some Equipment

In business, they say that you have to spend money to make money. If you’re just creating a YouTube channel for fun, you may not need anything more than your smartphone to make it work, but if you’re actually hoping to gain a following and make money down the road, you need to invest in some equipment to create high-quality videos. At a minimum, you want high-quality audio and high-quality video so that your viewers can enjoy your video without squinting or straining their ears. A vlogging camera will produce a much better video than the camera on your smartphone. Look into some inexpensive boom mics to enhance your audio quality as well.

Step 3: Create High-Quality Videos

To get someone to follow your channel on YouTube, you have to prove that you’re worth following. Though there is a quantity aspect to this, and you should definitely be creating your videos on a schedule, high-quality videos are key to getting a following. You want to show that you consistently produce the best videos in your niche. This means that your topic should be well-researched and that you should put thought into each of your videos to ensure that they have meaning for your audience, not just for you.

Step 4: Search Engine Optimize Your Titles

In order to gain followers, people need to see your YouTube videos. With so much competition on the web, it’s increasingly difficult for a new channel to get the viewers it needs to attract a following. Search engine optimization is the act of writing content, such as your YouTube titles and descriptions, in a way that search engines like Google will find your videos and know which viewers to show them to. The best way to do this is to consider what you might type into a search engine if you wanted to be presented with your YouTube video. What problem does your video solve for the viewer? That should be your title—that way, when someone types that problem into Google, they’re more likely to be shown your video.

Step 5: Advertise

The final and most important step to building any business is advertising. You can’t just put your video on YouTube and expect to amass a ton of viewers. Tell your friends and family about your channel, and link to new videos on your social media accounts when you upload them. If you have a blog, you’ll want to link your YouTube videos there as well. You can also go to forums about your niche and make connections there so that you can help direct the right types of viewers to your videos down the road.

Top 10 Best Instagram Bots

Always been looking for the incomeartist.com but didn’t want to wade through dozens of articles that are all practically saying the same thing? Neither did I so I made my very own short to the point list of the 10 bots that are most popular. We start with the least popular first as I want you to read the whole article, and otherwise, you can just skip to the bottom.

Robolike

This bot does only one thing, liking posts on Instagram, based on the tags that you set. The more you like others, the more they like you so use this bot to help share the love.

Social Growth

With this bot, you can target users based on geographics. They have their own database of 10k+ accounts which assist with that, I’m not sure exactly how that works, and it does sound kind of spammy but check it out yourself.

Popamatic

Interesting name, not sure what it’s gonna pop but let’s see. Apparently, this seems to work a bit like the above one where you use their assistants. These assistants help you achieve real likes, as what you would expect from a bot I suppose so nothing special there, perhaps you want to compare those two based on price instead to see which one is the best bang for your buck.

Relaxed Social

And relaxing we will do once we found the best bot to manage our Instagram account, no doubt about that. It claims to engage hundreds of users a day from your very own account based on your own interests. Very nice!

Socially Rich

Based on the names of those bots I start to feel like I get rich sleeping, well that’s exactly what we’re looking for, aren’t we? If it only were that easy I’d sign up right away. It appears to be some directory that categorized Instagram users to help you find the audience you are looking for. No sleeping rich there I guess but it should make your job a little easier.

Social Upgrade

I suppose its time for the heavy hitters as the previous five haven’t really impressed me thus far. It looks like this is also some sort of managed service, I really have to dive deeper into this one day to see what that’s all about. With 5-6 bots offering just that I guess there’s demand enough for it so perhaps I should change my opinion a bit. Then again it could all be huge bot farms that hurt your account more than you want.

Social Sensation

Actually, the name of this Instagram bot is social sensational but I though social sensation is much more packing. Turns out be another growth agency. This starts to read more like a service or tool list opposed to a bot list, my apologies for that. It’s totally hands-free though so if that’s what you’re looking for go check it out.

Social Envy

And jealous we are of all those Instagram bloggers or vloggers? with their millions of followers. The description is rather generic but its pretty much the same as the rest.

Viral Upgrade

That’s the one we’ve been waiting for. We want our content to go viral on Instagram with thousands of organic shares, and ten thousands of likes at the very minimum. You get your dedicated account manager and plenty of targeting options, but isn’t that account manager supposed to fuzz around with that? Shoot me!

Social Drift

I’m glad we’ve reached the end of this post as I feel like I’m drifting away from myself here. Hashtags, location, targeting, presence, metadata, audience, filters, and a bunch of other buzzwords. You know what, I’m calling it quits, get my water mattress out and literally let myself drift away on the sea with an ice cold beer!

How to Achieve the Right Results With a Plasma Cutter

When it comes to plasma cutting as a hobby, for DIY projects, and for work, using the right techniques makes your job much easier and improves the results you achieve a great deal.

Armed with the right plasma cutter, make sure you follow a few tried and tested tips to make sure you achieve the right results.

Support the Cutting Hand

Before you even decide to start cutting, make sure you brace yourself and use the non-cutting hand to support the other hand. This keeps the cutting hand steady and provides you with freedom of movement in both directions which maintains a constant standoff.

You have the option of pulling the torch towards you or pushing it away from the body. Many people opt to pull it towards the body since this is easier compared to pushing it away.

Trace the Path

Before you go ahead and start cutting, it is advisable to plan the cut early enough. If you are going for a long cut, then practice the movement before you pull the trigger. Make sure you have enough space to allow you to make the cut before you pull the trigger.

Remember that stopping and starting severally makes the project have irregularities in the cut edge.

To make sure you are using the right speed and amperage settings, make a sample cut on a similar type of material that you actually plan to cut before you start the cut. You can use templates with examples on Cuts Like Butter.

You will know you are moving too fast if you notice sparks shooting along the top of the material.

Safety Is Paramount

When using the plasma cutter, you need to protect yourself and those around you from the sparks and the heat. Before you start the process, make sure you go ahead and read each and every piece of information that is provided by the manufacturer so that you understand how the machine operates.

Each plasma cutter comes with an instructional manual. This manual gives you a guide on what to do and how to do it. Since these tools are evolving fast, you need to make sure you understand what features the tools come with so that you know what to do.

Additionally, you need to know the right amperage and speed settings so that you don’t put yourself at risk of injury. Remember the higher the speed, the more likelihood of getting injured.

Proper safety requires that you protect any exposed skin. You need to put on a welding jacket and gloves or any other flame resistant clothing. Many welders use denim because it is a perfect choice. Make sure you button up your pockets, cuffs and the collar so that it doesn’t catch fire from the sparks.

Eyes are vulnerable to the sparks, and this is why you need to have the proper shade lens for the plasma cutter that you plan to use. The shade you choose needs to be compatible with the amperage you are exposing the eyes too. You can opt for a welding helmet or goggles that have a cutting more. The goggles shouldn’t be too dark for use for welding because this might turn out to make the welding surface too dark.

Go for ordinary compressed air as the cutting gas. Many contractors opt for bottled nitrogen because it is cost-effective, but at the end of the day, it isn’t any different from compressed air.

Protect Your Consumables

The consumables can be contaminated easily by air or oil, and when this happens, it reduces the life of the consumables. You can make use of an in-line air filter which removes the water and oil. Air filters prevent you from spending money each week on a replacement tip and electrode.

You also need to examine the consumables on a regular basis to replace them when they become covered with spatter. Doing this makes sure you get the best results each time.

The Bottom-line

You can use the plasma cutter to cut through metal and other types of materials. The cutter is versatile and makes the whole process easier and faster. However, you need to make sure the cutter is well maintained, and you are always protected against the heat by wearing the proper gear.

Cyber Threats are Real, Don’t Ignore Them!

You have frequently heard or read in the news about cyber attacks on established businesses, and you think that it can never happen to you as a small business. Wrong – cyber attacks are all over, and they can happen to you whether you are running a small or large business.

SMBs are an attractive target for cyber attacks, and the worst thing is that they are such an easy target because it takes less time for the criminals to go past the firewalls and access the information they need compared to large brands.

With the attacks come various threats to the SMBs that you need to be aware of. Here they are.

Loss of Sensitive Data

Are you securely storing your customer data, or is it in the open for everyone with basic hacking skills to access?

Sensitive data moves around in businesses on a daily basis. This includes payment information, pay checks, and other info. Usually, this information moves around online, and when it happens, the criminals are waiting to grab it and use it for malicious reasons.

If you have been keen, you have heard of the criminals that sell sensitive data such as credit card information on the black market. The data goes for hundreds of dollars, which makes it attractive to criminals.

Trade Secrets

Your competitor is looking for a way to be where you are – and he can only do this when he has the trade secrets that you use to get more customers. The right cybercriminal can get your trade secrets and sell it to your competitor for a pot of gold. Well, you have put in so many years to get to where you are, but there are a few people who are out to get to where you are in just a few months.

Bad Reputation

A competitor knows too well that if he paints you in a bad light, you will lose customers who will, in turn, buy from him. Destroying your reputation online goes far beyond a few negative reviews left behind by coached guests – it can be something as bad as stealing data or slowing down your processes so that the competitor can gain leeway.

Identity Theft

Passports and drivers licenses are all over the internet, being used to make fake accounts. In 2012 alone, 11 million people had their identity stolen, with the information used in thefts costing more than 20 million dollars.

The information that you keep in the organization regarding employees, customers, and other people can be a goldmine for a cyber criminal. They are looking for your social security number, credit card information, bank account information and more. You need to find a way to secure this information so that you don’t lose face in front of your customers due to identity theft.

Ransomware

This is when a cybercriminal uses tools to hold your information hostage. The malware encrypts the data on your network so that you won’t be able to access it unless you have a backup. The ransomware forces you to pay a ransom before you get your data back. The payment isn’t so guaranteed – you might pay up and fail to get the data.

What You Need to Do

The threat of cyber attack is real, and you need to find a way to deal with them. One of the best ways is to outsource your security tasks to a dedicated and experienced team such as Amazing Support, a company that knows all about these threats and how to mitigate them.

In Closing

You need to understand what types of cyber threats you face as a small business, and know that the best way to handle them is to outsource your tasks and sensitive systems to experts.