Halloween was just recently, and in the spirit of entrepreneurship (and in Halloween, I suppose), I decided to carve a pumpkin in memory of Steve Jobs. I’m sure by now you’re aware that Steve Jobs had recently passed away, and while reflecting back on technology and seeing how far advanced we have come with all the gadgets we have these days, I thought it would be the perfect opportunity to show my appreciation, and my artistic abilities.

My first ever pumpkin carving, as shown on the right, lit up. Seriously, my first ever.

That was one of the highlights of October for me. I had a lot of fun doing it and enjoyed getting a little messy. The end result was totally worth it. Unfortunately, it didn’t last forever. They never do.

Looking back on last month’s blog posts, while they may not be as epic as my pumpkin carving, I’m sure you you’ll agree that they’re worth reading. At least I hope so. 😉

Let’s take a look at them.

October 2011 Blog Posts on ReplaceYourSalary.com

What is a ‘Call to Action’ and Why Should You Have One?

Threaded Comments: A WordPress Plug-In Every Blog Owner Should Utilize

5 Tips to Help You Save Money

6 Top Ways to Save Money at Home

Getting More Clicks: Affiliate Links in Images More Profitable than Links in Text

5 Ways to Fund Your Retirement Income

5 Ways to Recognize Work from Home Scams

Tools to Expand Your Home Business Without Breaking the Bank

Akismet Problems: Why You Should Choose an Alternative Blog Comment Spam Solution

Google+: Is the Demise of Facebook Near?

Blog Posts Around the Web

Here are some blog posts I’ve found from other bloggers I follow that I hope you will find helpful. I encourage you to take some time to read these as well.

Every month, Deneil Merritt posts an income report, similar to the ones you’ll find here. What’s different about his income reports is that they include 30 other blog income reports as well, which includes mine each month. Definitely worth checking out and seeing how other blogs are doing in the industry.

Daniel Scocco points out some important no-no’s when emailing a blog owner to pitch a guest post. I find it quite comical as I every now and then get something similar to the one he mentions in the post. If you ever want to get accepted as a guest blogger, you definitely want to read Daniel’s post and take some notes.

If you’ve been following any of the Occupy Wall Street protest (I haven’t) or at least know what it’s about (I do), David over at SEO-Writer has a pretty funny Occupy parody called Occupy Google. It’s a video interview (sound only) and worth checking out if you want a good laugh, or if Google is treating you unfairly and you demand that your website is ranking in the top 10! Ha!

That’s all for now, folks.

What would you do when you reach your retirement age? For sure, you would want to just sit back, relax, and enjoy life. By that time, earning a sufficient income should not be your concern anymore. That is why you have to start saving for your retirement as early as when you get your first job.

Enjoying retirement is like enjoying the fruits of your hard and long labor. Isn’t it ideal if you could still have a steady flow of income when you retire? By now, you should learn more about these five ways to fund your retirement.

1. Buy an Immediate Annuity

Convert part of your savings for retirement into a lump sum that you should use to buy an immediate annuity. By the time you reach your retirement, the investment would start paying out a steady income stream, which would be independent of declining interest rates and declining stock prices. If you buy one, you would not be able to take it back. The income payment, once it starts, would also not increase. But you could expect a regular income flow until your death.

2. Strategic Systematic Withdrawals

If you decide to put your retirement savings into a bank account, set up a strategic systematic withdrawal schedule. That means you could only withdraw a specified amount of cash within a given period. You may have to project just how much you would need to cover your basic expenses before setting up the strategic systematic withdrawal amount. This strategy would help you be sure that your own stream of income would last for as long as you would need it.

3. Laddered Bonds

Buy multiple bonds that would mature at staggered intervals, also known as bond ladders. By doing this, you could be sure of consistent returns in the future. In general, bonds could make interest payments for about twice every year. Thus, having a portfolio consisting of six bonds could logically give you a steady cash flow monthly on your retirement years.

4. Laddered Certificates of Deposits

Just like a bond ladder, laddered certificates of deposits could help make sure you would get a steady flow of income in the future. Certificates of deposits are sold by banks. You may use them for your short-term income requirements. Just structure or plan your certificates of deposits properly, taking note of the maturity dates and payouts.

5. Have a Great Retirement Portfolio

Retirement funding may involve multiple possible sources of retirement income. Aside from the first four mentioned above, you may count on your pension, inheritance, social security benefits, and real estate as other sources of steady income stream in the future. If you could be sure you would have these multiple income sources, you could be certain you would not have any problem about income generation and flow when you reach your retirement age.

As always, observe proper and strategic planning when establishing retirement funding. For now, you may have to continue to save diligently, make effective investments, and buy retirement investments that you could rely on in the future.

Andrew Black works in the finance industry for Australian Lending Centre, a private lender. When he is not working, Andrew loves sharing his thoughts online.
alc@fullsteamconsulting.com.au

Retirement is something many people look forward to. It’s a time to relax and enjoy life. Unfortunately, retirement income is something most people don’t think about, until they actually decide to retire.

A lot of people find that their retirement income just isn’t enough to provide for their current style of living. They either have to find part-time work to supplement their retirement income, or they have to degrade their standard of living.

Most people would prefer to keep up with their current standard of living, so they must find a way to supplement their existing retirement income.

Finding another job, even part-time, isn’t exactly something many would like to do. After all, they retired for a reason. They would rather spend their time at home and enjoy themselves.

So how does one add to their current retirement income without getting another job?

The solution that most find the easiest as well as rewarding is to work from home. Working from home provides the relaxation that they want, the time and flexibility to enjoy life and the retirement income that they require.

There are so many passive income ideas available today, that working from home just makes sense for those that are recently retired, or soon to be. Some consider it a hobby, while others put more time and effort into it in hopes of building a long-term business that will provide for them long down the road.

Everyone’s needs are different, and finding the right work from home opportunities to supplement their current retirement income shouldn’t be taken lightly. You should figure out what you’re good at or what you would enjoy doing most.

There are many work from home “jobs” that provide almost instant income for the time and effort that you work, while others are an actual business that will take time to build.

Your retirement income is nothing to take lightly. Take the steps today to ensure that you have enough retirement income to still enjoy the pleasures that life brings you.