Retiring part-time can make your money last longer

Weekly Newsletter for The Freelancers: Here is the latest newsletter of the week starting on 9th of April 2018.

Many women who have stopped work or had interrupted work lives to have a family, find they do not have enough money to retire on, even with government welfare or aged pensions.

This is a common problem in many countries. The situation in Australia is explained here.

women-facing-retirement-with-little-savings-can-retire-part-time-by-freelancing

However, in many developed countries, the aging population and funding those who are finally ceasing work for retirement is a ticking time bomb which is explained by this World Economic Forum article ~~here~~.

What can people, both men and women do about this personally right now? The AARP has not waited. They have already started to help people in this situation as part of their policy.

Kerry Hannon’s article explains retiring part-time in her article here. You can train yourself to follow Kerry Hannon’s advice.

In future newsletters we will continue to address this issue. If you are in this position yourself or have friends or family who would benefit from thinking about this issue, they can reply to this newsletter here or in the comment section of this page.

Much of Kerry’s advice is universal, no matter in which country you live. You can look inside her bestselling book here or click on the icon below:

It is worth repeating these couple of paragraphs from the last newsletter:

This is shown in a recent article entitled Twice as many self-employed mothers than in 2008 that appeared in Freelanceuk.com and can be read here.

Why this above mentioned article is of particular importance is this quote that appears in it:

Speaking ahead of today’s Spring Statement 2018, IPSE added:

“[The government] should make a particular effort to ensure self-employed mothers have all the assistance and support they need, such as by making them – like employees – eligible for Statutory Maternity Pay.”

This proposed change is an important social change for families and you should raise this issue with your local member of parliament no matter in which country you live. In Australia, this already applies with certain restrictions.

Have you told your friends about this issue yet or your local member of parliament? It is attacking one of the causes of superannuation disadvantage in women. Do you agree? If you do, join the campaign to change this, by sharing the subscription to this newsletter.

Motivate Yourself!

“Many people dream about being an entrepreneur, starting
their own business, working for themselves, and living the
good life. Very few, however, will actually take the plunge
and put everything they’ve got into being their own boss.” –
Fabrizio Moreira

Should you be motivated to subscribe to the Entrepreneur.com newsletter too?

Even if you are not struggling financially because you have high income 9 to 5 jobs, should you be bothered with getting the Entrepreneur.com newsletter?

My view is that you should absolutely be doing this. This is doubly so if you are a millennial and you are carrying high levels of debt or have friends that are in that position. I will explain why.

This month the Entrepreneur.com newsletter, for the segment that I have chosen to follow, had these articles:

10 Lucrative Side Gigs for Millennials Looking to Earn Extra Money
How to Qualify for a Business Startup Loan

You can read these articles here.

These are the types of articles that you should be looking for if you are determined to reduce your home loan quickly and are ready to use your skills to get paid more to do this.

Kathleen Elkins has written Millennial who paid off $8,000 in 90 days explains ‘the only real way to pay off debt quickly for Cnbc.com and you can read here.

There are many millennials who are in this situation. Time.com money segment also has an article about this issue which you can read here.

What these articles should have given more emphasis to, in my opinion, is that you should visit your financial planner and tax accountant before implementing the plan.

They will see immediately there are important taxation strategies to put in place before you go down this path.

For millennials, there are clear reasons why you should be getting the Entrepreneur.com newsletter.

Productivity Tip of the Week

Managing Remote Teams Can Lift Your Productivity

When I was writing How to Be Self-Employed: A Freelance Work from Home Guide, it was produced by a remote team of freelancers whom I employed. Although we were working on the same project, I owned the copyright and the management responsibility for the project.

It was a way of lifting my productivity by bringing together a freelance flash team. These were the main skills of the team members: website technical specialist, eBook specialist, internet technical researcher, graphic designer, and writers.

The contributors were from seven countries, but we never met in person.

As you become more experienced as a freelancer you will realize that this global digital economy is buzzing with creativity, innovation, and ideas. As I write this section of the newsletter one freelancing platform, Freelancer.com has 27,817,127 registered users and 13,663,040 posted jobs.

Jeff Bullas has featured Julia Kravchenko‘s article 4 Smart Ways to Manage a Remote Team like a Pro which you can read here.

Do you or a friend have a project or productivity project that you want to take on, but need to put together a freelance flash team to complete the project? You could find that this Kindle eBook will help you put it all together:

Work-Life Balance Tip of the Week

Work-Life Balance Is A Top Issue For Moonlighting Freelancers

When you have two jobs and one is a 9 to 5 and another is moonlighting your skills as a freelancer, work-life balance soon becomes front and center if you want a happy family life – which is what you are working for!

If you have a skill-set that is readily marketable and you can work online at home as a freelancer it is nearly always preferable to traveling to a co-working space or another business premises.

It is about time management and being available in the early evening for your family routine before starting your moonlighting job. It is also a good idea to involve your family in playing their part in achieving the family freelancing income goal.

Although it is not an easy decision to start freelancing when, as is often the case, both partners are already working, it is going to become increasingly a necessary financial decision.

Here are the views on this issue from three different countries:

Eilene Zimmerman from the United States: Moonlighting Can Pay, but Consider the Costs which you can read here.
David and Libby Koch from Australia: Kochie explains What You Need to Know When Getting a Second Job which you can read here.
Work Life Balance from the United Kingdom from Businessculture.org which you can read here.

Financial Tip of the Week

Can Co-Working Be A Financial Plus For Freelancers?

It is clear that some freelancers work better in a co-working environment because of their personalities, while others are more productive working alone. It is a personal decision, but it can have a significant financial impact related to your productivity.

Andrea Bertoli has written Why Co-working is a Key to Freelancer Success for Ecopreneurist.com which you can read here. Andrea’s article shows it is a global trend that is changing society and the future of work.

If you are not certain whether you are likely to be more productive in a co-working space or not, Anna Cashman has looked at the research statistics as to how people feel about the transition. Anna’s article for Business.com is 74% of co-workers are more productive and can be read here.

Amazon Associates Website Case Study

I received an email from Carly Frederick of ACoud.Guru asking whether I was interested in promoting their Amazon Web Services training direct to them.

I said that I was particularly interested in freelancers building a successful business. It appears to do just that. Check the link out if you are interested (not an affiliate link).

Last week I told you we are in the process of building a trial page for subscribers who do not want to build their own website, but it had a long way to go yet. I have continued to work on this and it is nearly ready to launch.

The history of the Case Study can be read at links to the previous newsletter issues.

The work on the Amazon Associates website has progressed with new articles being added which can be seen here:

The articles have been search engine optimized and have started to be promoted on the Facebook and Twitter. Instagram, Pinterest and Google Plus accounts have been opened.

The research work is continuing and the current results can be seen here:

Freelancers And Cyber Security

We have gained approval from Robert Siciliano to bring you extracts from his books related to cyber security for freelancers. Robert Siciliano is an identity theft expert and consultant.

He also gives self defense and personal safety seminars. Robert provides safety and identity theft fraud prevention tips and advice on multimedia channels in the United States. We have his approval to bring you weekly extracts from his books: