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Best Retirement Planning Advice For The New Normal

The pandemic affected working professionals in more than one way. The challenges of working from home were daunting, and pay cuts made life even harder. Millions of Americans even lost their jobs amid the initial lockdowns. Retirement savings contributions took a blow as professionals had to put them on a back seat. The worst seems to be over, so it is time to get back with your plans in the new normal. After all, you cannot risk your long-term financial goals with a prolonged hold on retirement savings. But you have to make a clever comeback strategy to get them back on track amid the ongoing crisis. Here is the best retirement planning advice you can follow in the new normal.

Restart saving as soon as possible

Your retirement savings may have suffered amid the pandemic, but the worst you can do is not restart. Pick it back as soon as possible, even if still grappling with reduced income. Every dollar counts, so even a small start can take you a long way. Getting your momentum back can be challenging, but you can save a bit more by cutting short on expenses and resetting your monthly budgets.

Look for a side hustle to supplement savings

Besides reducing your expenses, you can boost your income to contribute more to retirement savings. The good thing is that the side hustle trend gained pace in COVID times, so there are plenty of ideas to explore. You can take some freelancing projects on the weekends or even try working part-time at a local store. Creating an alternative stream can get your finances on track and even open a long-term income prospect you can leverage post-retirement.

Invest wisely

Investing should be an integral part of your retirement planning strategy because it makes your money grow. Besides traditional IRAs, pick self-directed IRAs to step up your investment plan in the new normal. But make sure you know the self-directed IRA rules before diving in. Look for high-yield yet low-risk options to maximize your wealth within a short timespan. The key to a comfortable retirement is growing your money enough to provide a financial cushion.

Open a health savings account

A health savings account (HSA) can be of great help in supercharging retirement savings efforts. It allows you to set aside funds to pay for qualified medical expenses, making it a relevant option in the pandemic. You have the choice to invest the HSA money in stocks and mutual funds to facilitate their growth. The best part is that you get a tax advantage with an HSA.

Pay down debt

Being debt-free at retirement should be a financial goal for everyone. Clearing car and mortgage loans, credit card debts, and student loans should be on your wishlist. The last thing you will want to do in your non-earning years is to owe money and pay interest. Start small whenever you can, and clear your debts. Eliminate the ones with the highest interest rates first because they are the most stressful.

Whether retirement is just around the corner or you have several years to go, consider reworking your plans this year. The situation is not the same as pre-pandemic times, so it makes sense to refresh your savings and investments with these strategies.

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The Best Places to Buy PLR Articles

There are many places online that feature PLR articles for bloggers and website owners. The sites are endless, and this is a highly competitive industry, so where do you go to buy trusted PLR articles for blogs? I’m not sure where you go, but I can share a few places that I promote to other people who want PLR content that’s low cost while maintaining the high-quality standards bloggers and website owners need for their PLR blog articles.

The best thing about PLR is that you can resell them as many times as you want, and the article will still belong to you. You can then edit it or leave it as is (the latter is not recommended). You can edit them and use them in your content shop, website, or blog for better content.

Other people take these self-care PLR articles and incorporate them into their weekly newsletter as part of their marketing plan. You see PLR articles from PLR Blog Today can be used as is without any edits with your internal email lists – such as newsletters, company promotions, etc.

Here are some creative ways to use PLR blog articles today:

  • Blog articles are perfect for the use of blog posts – you will need to properly rewrite them if you want to put your name on them, but otherwise, they make good raw content for blogs.
  • Offer these PLR articles as bonuses with something else people purchase.
  • Offer these PLR articles as freebies with another product or paid product where the content is useful.
  • Use them as article marketing tools to build backlinks and increase SEO.
  • Create a free ebook and offer these PLR articles as bonuses for signing up to your email list.

PLR Articles Are High-Quality Content at Low Cost

The best thing about PLR blog articles is that they are high-quality content without having to pay a lot of money. These are also the best places I promote for finding these types of articles – which are still valuable because you can use them as they are, or you can do some edits to them so your name is on it.

The next best thing is that you can find a lot of high quality PLR blog posts very quickly. In this way, it’s easy to build an editorial calendar with these PLR articles as content for your blog posts, or you may want to use them as contributions to article directories or other content marketing strategies.

Top 5 Places to Buy PLR blog posts

Using PLR blog posts for the first time can be rather intimidating. I’ve seen many bloggers purchase 100s of articles to find that they’ve just let them sit there all year round. You can hire me to rewrite PLR content that passes Copyscape, I do charge a per word flat rate though OR you can you use one of my content packages to assist in getting the PLR blog content rewritten quickly with a Copyscape scan provided.

The Pros and Cons of Buying PLR Content

PROS

  • Good content for resale.
  • Use them as blog posts, email marketing tools, or article marketing strategies.
  • Create new ebooks with these PLR articles – one guess what you can use them for? More blog posts!

CONS

Need to purchase multiple copies of the same article written by different authors possibly if you want several blog posts from the same article to go with different products.

Rewriting PLR Articles Requires Time and Attention To Detail

If you’re going to hire me or someone else to rewrite PLR blog posts, there are some things you should know.

  • Rewriting PLR blog posts will require some time and attention to detail.
  • You should also be aware that they may not seem like much on the outset, but when you start seeing how they work in your business (whether it’s a blog or income-producing website), they add up quickly.
  • It can become rather addicting to buy more and more PLR articles because you’ll be so happy with the results.

In conclusion, I’d like to say that you can start out with any of my self-care PLR articles of my law of attraction PLR content to get started. Don’t forget to head over to PLR Blog Today to hit the little bell so you get notified when new PLR content packages go live on that site, too!

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9 Freelance Job Ideas for WAHM’s

The online world is full of opportunities for people looking to work from home, but many WAHMs are unsure where to start. The internet also provides a great platform for WAHM’s to earn extra income in order to supplement their families’ budgets.

If you’re struggling with the idea of starting your own business, here are 9 freelance job ideas for WAHM’s that will help you start earning extra income.

A few benefits of using these Job Ideas for WAHM’s:

Once you get started, you really just need to keep track of your time and submit an invoice at the end of the month. Many can be done from home with little or no additional equipment.

  • Low startup cost and low overhead.
  • Once you get started, you really just need to keep track of your time and submit an invoice at the end of the month. Many can be done from home with little or no additional equipment.
  • You can start and stop as your schedule allows and easily pick up where you left off if you had to take a break for any reason.
  • Feel more confident taking selfies with friends
  • Enjoy looking at your smile in the mirror again
  • Hear what your kids are saying

A few of the Job Ideas for WAHM’s:

Tutoring

If you have a degree or even just some course work in a certain field, you may be able to get paid to tutor people online. In some cases, you can even find local students via Craigslist or other sites.

Virtual Assistant

You can find clients who need help with things like typing, organizing documents, making phone calls, etc. Hourly rates vary depending on the type of work you’re doing and your experience level. Consider creating a profile on Upwork and Fiverr for this type of WAHM job.

Marketing Consultant/Social Media Specialist

Help others set up their online presence or address digital marketing strategies. You may be able to set your own hourly rate, but this type of home business usually takes time to build.

Recruiting/HR

If you have experience in recruitment or HR, you may be able to recruit people for companies via Craigslist or other job boards. Hourly rates vary based on the industry and location.

Virtual Personal Assistant

Similar to a personal assistant, this type of WAHM job usually pays by the hour. You should be able to find clients via Craigslist or Fiverr. The hourly rate should reflect your experience and areas of expertise.

Ghostwriter

If you have a great idea for a book or blog post, but don’t have time to write it yourself, find a ghostwriter to do it for you.

Being a ghostwriter is not easy and it typically pays by the hour as well. Your profile should mention your experience level and an hourly rate will follow from there.

Freelance Illustrator/Cartoonist

If you’re great at capturing your ideas with a pencil or a mouse, you could get paid for your art. Many people need custom graphics so they can be used in presentations or on business websites. You may have to invest in some equipment depending on the type of work you’re doing and it usually pays by the hour.

Graphic Designer

If you have experience with graphic design, logos, business cards, advertisements, etc., you may be able to get paid for your services. Many people are in need of design work so you can connect with them via Craigslist or Fiverr. Hourly rates vary based on location and experience level. You may have to invest in some equipment depending on the type of work you’re doing.

Blogger

If you have a writing background and experience with blogging, you may be able to start your own blog and create valuable content that people will want to hire you to write for them. It usually takes some time to build an audience and get paid for your blogging services. Once you become established in a certain field, it’s easier to obtain jobs.

If you’re looking for ways to make extra money from home, these 9 freelance job ideas for WAHM’s are a great place to start. Many of these jobs can be done from home with little or no additional equipment.

You can start and stop as your schedule allows and easily pick up where you left off if you had to take a break for any reason.

So, what are you waiting for? Get started today!

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8 Amazing Gifting Options for Your Tech Friend

Shopping for gifts can be tricky and complicated, especially when purchasing something for your best friend. You want to choose a gift that shows your attention to their interests. Also, you may want to ensure that it’s of good quality and not a cheap gag gift.

Now that your friend is a tech enthusiast, are you looking to thrill them with some exciting gadget? Tech gifts are some of the most desired gifts out there, and the latest and most excellent devices often come with unique features that could send your tech enthusiast friend into a frenzy. In addition to this, you can opt for something that’s trending and out-of-the-box.

Whether you are looking for a splurge-worthy gift for a loved one or one that is quite affordable, there are many tech options for that unique individual. Below, we have highlighted the perfect gifting options for your tech friend.

1. Robotic Vacuum

Is your friend’s house home to furry friends? Or do they struggle with dirt in their home? Buying them a robotic vacuum is a good idea. These vacuums are portable, effective, and affordable.

Unlike your typical vacuum, robotic vacuums can be easily programmed using the app. They are designed to clean hardwood floorings, tiles, and carpets of all sorts of dirt and debris, just like vacuum cleaners.

Gifting your tech friend this device will reduce the amount of manual cleaning they do each day, thus giving them enough time to focus on their passion. Who wouldn’t appreciate such a gift?

2. Game Console

If your friend is a guy and a tech aficionado, the chances are that he’ll be a game fanatic as well. Game fanatics are pretty standard, and these individuals are often psyched about having an array of game consoles at their disposal.

Purchasing a game console for your tech enthusiast friend is an excellent way to express your love. This kind gesture will surely go a long way in building trust and solidifying your relationship. If you aren’t sure of what game console to buy, here are common ideas every gamer would love:

  • Sony PlayStation 5
  • Xbox Series S
  • Nintendo Switch Lite

3. Apple AirPods Pro

Understanding your loved one’s preferences is essential in choosing the right gifting option for them. Is your friend crazy about apple products? Does he have a Macbook, iPhone, and an Apple IPad? If yes, chances are, he will cherish Apple AirPods.

AirPods Pro is one of the most sought-after earbuds on the planet. And guess what? They are considered the best wireless earbuds for iPhones!

Apple AirPods have several features that make them stand out from other earbuds. First off, they have noise cancellation and are pretty easy to wear. But that is not the best part. The best part is that they come in different sizes. There is no better way to excite your tech enthusiast loved one than getting them a pair of this device.

4. Smart speaker

Smart speakers are the staple of a tech enthusiast’s home. They can be likened to a mini motionless robot designed to answer questions and perform basic tasks like playing music, making notes of appointments, and controlling other smart home devices in the house.

In addition to performing the tasks mentioned above, smart speakers can also set timers, reminders, and alarms. Wait, there are still more! These fancy devices can play one’s favorite radio station, playlist, or podcast, just like you’d want your typical speaker to do.

While a few innovative speaker brands are in the market, Amazon and Google remain the most common. If your loved one is a die-hard Amazon fan, we recommend you go for the orb-shaped Amazon Echo Dot. However, Google’s Nest Mini is a good option if they aren’t.

5. NFT arts

If your loved one is an art freak, one who gushes about arts nonstop, getting them an NFT art will go a long way in showing how much you care about their passion and boost your connection. Unlike other generic gifts, NFT arts are unique, and of course, if you are familiar with this term, you’ll understand that their value can increase with time, which means that this is a gift your best friend will appreciate in the years to come.

While getting the ideal NFT art for your loved one shouldn’t be a problem—as there are several valuable and picturesque NFT projects out there—transferring the NFT art might. So ensure that your loved one has a digital wallet to receive the art. Also, make sure to understand their art taste, so you know the exact art to choose.

6. E-reader

We all have that tech enthusiast who is a bibliophile. If your loved one seems to be crazy about books, getting them an e-reader is a wise choice, regardless of if they prefer “real books.” Who wouldn’t appreciate a device that makes reading easy and fun? We bet your tech enthusiast loved one would love this option.

So, get them a quality e-reader as a gift. A common option is the Kindle Paperwhite. This e-reader is ideal for every tech enthusiast who has a passion for books. The device can give them an unlimited library at their fingertips, and it’s waterproof so they can read in the pool or even in the bathtub without fear.

7. Smart Watch

Smartphones? Check! Smart speakers? Check! What about a smartwatch? If your loved one owns a smartphone and a smart speaker, adding a smartwatch to the mix is an excellent way to balance it up.

Of course, Smartwatches—like other smart devices—are super-amazing gadgets that will thrill every tech enthusiast. Unlike typical watches, these wristwatches don’t just tell the time; they act as a fitness tracker, a call receiver, a mini-phone that displays social media notifications, and more. Thus, it is apt to invest in a gift option of a similar nature.

8. Drone

Whether it is a birthday, holiday, or just one of those days when you wish to surprise a loved one, drones top the list of coveted gifts for most tech lovers. If your loved one is an adventure, traveling, photography, or nature lover, they will appreciate this gift even more.

What makes drones a coveted gadget for most tech freaks isn’t only the fact that they can fly but because users get the chance to control them. They can decide to do numerous basic air stunts with these devices, take aerial photos, or engage in drone races, much to their delight. It is like controlling a mini airbus a321 from the ground. Excellent stuff, right?

Conclusion

Tech enthusiasts are thrilled by tech. However, you must know their tech preference before going ahead to purchase a gadget as a gift. If you have to conduct a little research to understand their taste, you are sure that whatever you are gifting your tech enthusiast friend will be appreciated.