Making the Most Out of Your Technological Investments

Making the Most Out of Your Technological Investments

The massive turning point of technology has certainly grabbed the interest of the general public. Tech innovation continues to move forward at a rapid speed.

Are your gadgets you use at home up to date? Are you fond of following technological trends and fads? How often do you change your cellphone units or laptop units at home? Do you make sure that you use these technologies to its full potential?

News and social media provide us an updated information about what’s the newest and hottest gadgets of the year. A lot of mothers nowadays like to keep themselves updated with the new gadget trends. Some mommies like to have good-quality phones so that they can connect better with their loved ones locally and abroad, some like to keep themselves updated with the newest learning applications to bridge the learning of their children, while some mommies stick to the old, traditional style of doing things- using keypad phones, prefer not to use the internet and so on.

So how do you make the most of you technological investments? To aid family finances, some stay-at-home mommies resort to online jobs such as being an ESL teacher, a small-scale entrepreneur, or a freelancer. They use technology to make advancements on their family savings and provide additional income for the family in general. Some mommies would also do live selling on social media to contribute in the financial stability of the family. Mommies can also use technology to keep themselves updated with new discoveries and information about family, finances, recent researches, news and a lot more. Technology bridges us to a whole new knowledge that we haven’t experienced before. Moreover, it is easy for moms to facilitate money savings, money managing and budgeting and more financial functions with the use of latest technologies. There are certain phone applications they can use to help them manage their resources and allocate them effectively without resorting on too much debt. Technologies bring financial transparency right at the tip of our hands- you do not need to go to physical banks just to check on your bank balance, you can be able to track and manage debt efficiently with the help of applications and online customer service. Moms can protect their homes 24/7 without hiring physical bodyguards, they can just hire someone to install CCTV cameras around the house. There certainly a lot of things moms can do with the help of technology.

However, certain disadvantages using technology are also faced by moms. There are times that children lose control of their selves on the internet. They spare more time browsing the web or playing mobile and desktop games than actually talking or interacting with other family members in the house. Furthermore, some children’s attention are now focused on the things happening on the internet and some moms find it hard to control these children of sort. Another, some moms would like to keep themselves updated with the current gadget trends without thinking of the consequences. Keeping yourself updated with the current trends on technologies could only put you in debt. It is very hard to keep up with the latest trends since technological companies are rapid in replenishing models and as they replenish, prices of gadgets tend to go up. Old model gadgets tend to depreciate faster. Lastly, technologies tend to break faster than we thought. Gadgets nowadays are created with less durability. The more tech companies update their models, the more old version models cannot compensate the heavy tasks making us consumers buy the latest versions.

That is why in choosing the right technological investments, you also need to be practical and wise. Do not be fooled by the sales and marketing strategies these tech companies make. They are just going to lure the money out of you. Always think of your priorities and stick to your budget. In that way, you can weigh your need to buy or just going to pass on the offer.

Getting the Best Out of your Retirement Plans

Getting the Best Out of your Retirement Plans

According to Julia Kagan (2020), “retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals.” Retirement planning involves identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risks.  Basically, retirement plans involves financial strategies that will sustain one’s self during retirement.

Referring to the financial hierarchy of needs again, this is the point of your life where you will enjoy all the saving and budgeting journey you did when you were younger. Financial success doesn’t just end on saving, managing and investing. Financial success has also to do with planning for life after paid work ends. Sound retirement gives you security and peace of mind in your old age. This is the time where you need not to hustle more. This is the time where you enjoy your pensions, enjoy financial freedom and indulge on the things and estates you have invested on when you were younger.

There are several benefits of retirement planning ranging from financial to personal and psychological level especially in the Philippine setup.

(1) Peace of mind

Planning ahead reduces stress, worry and insecurity during retirement. Some lack of planning creates a lot of uncertainty around the topic that create unprecedented level of stress. Retirement age is the age of relaxation and enjoyment. This is a time where you can enjoy all the assets your family made during your working age.

(2) Cost saving

You don’t want to end up being a senior citizen with regrets not having saved up for retirement sooner. It is advisable that you waste no time and plan for your retirement and your husband’s retirement while you are still young.  Building a retirement fund assures that you will live comfortably with financial security.

(3) Get out of debt

You will be able to appreciate the benefits of your retirement plan if you have cleared all your debt before you stopped working. Unpaid debts may only give worry to your family and you may end up paying for the debt you incurred previously rather than splurging your retirement money on the things you like.

(4) Prepare and contextualize pre-retirement decisions

If you take time to plan for your retirement sooner, you will be able to make more efficient career-related and your general financial decisions prior to retirement. With this, it can help you visualize your future plans and plans after you stop working. You start thinking and preparing- what will happen to you now? What now?

(5) Your SSS pension will never be enough

Do not assume that your SSS pension and your husband’s pensions will bear the same amount as your work salary. You will need to level your lifestyle according to your SSS pension.

(6) Your children are not your retirement fund

Build your own retirement fund. It is an accepted fact that parents invest everything they have to raise their children right; however, it is not true that your children will forever be indebted to pay for your retirement benefits when you reach old age- it defies the law of financial independence.

(7) Life longevity

In this era, old people are expected to live longer. Imagine if you and your husband plan to retire at age 60 and you will live up to age 80 or more, how will you be able to sustain your daily consumption if you do not work anymore? What will be your alternative incomes? That is why, before retirement, you need to foresee and plan for these things.

To plan for your retirement properly, you have to consider:

  • Your target retirement age
  • How much money will you need for your retirement years
  • Where will your retirement income will come from
  • Which place will you retire
  • The lifestyle you want to maintain during your retirement
  • How will you build your retirement fund
  • How will you continue your long-term healthcare plans

How will you manage and protect your assets before and after you pass away

Build Better Websites & Funnels

Build Better Websites & Funnels

In this day and age, any business that wants to thrive must go online.

With so many things going on around the world, and global changes that will forever impact the way people live and do business, going online is no longer just an option.

Not only to maintain their success, but even just to survive.

Sure, there are tools that are already available that any business can use to run their entire company and processes digitally.

However, any minimum amount of research will tell you that most of these products are expensive, complicated and limited in customization.

In other words, not very user-friendly, and definitely not suitable for all business owners, especially those who are less tech-savvy and might even be on a budget.

I mean, who can afford to invest thousands of dollars a month into a bunch of complicated tools, and on top of that, hire employees to manage the systems, right?

Well, if this sounds familiar in any way, I have some good news for you.

As an online marketer and blogger myself, I am always looking for new solutions for these everyday challenges we face as business owners.

Today, I am very excited to introduce you to my latest discovery.

GrooveFunnels is, by far, the best way I have found to be able to build websites, sales funnels and sell digital products online.

The best part? It’s FREE.

But the free value does not end there…

You see, GrooveFunnels is not just a website and sales funnel builder.

The co-founder of GrooveFunnels, Mike Filsaime, is actually a veteran in the Internet marketing space, and has put all his experience and expertise into one of the best suite of marketing tools I have ever seen.

I’ve also signed myself up for an account (it’s free), and for the past few days, I’ve had the chance to play around with it.

And you know what?

I can definitely tell you that this 100% free tool is perfectly capable of running your entire business, maybe even better than some of the expensive complicated tools out there.

I’m not exaggerating by any means…

From what I’ve seen so far, GrooveFunnels includes everything that I need to run my online business, all for absolutely free.

Here’s just a quick list of what I’ve gathered so far:

  • FREE sales, page and funnel building platform
  • Possible to build my own branded websites with full navigation
  • Can integrate with my own custom domain name
  • Able to sell my products with what they call a 1-click upsell
  • Capability to integrate upsells, downsells, and order bumps
  • Even has a way to create my own powerful affiliate program for my products!

And that’s just for starters, because there is so much more for me to explore!

I’m not even joking when I say that I am planning to change my ENTIRE online business over to GrooveFunnels!

I mean, why wouldn’t I?

It’s FREE, and it’s probably the BEST suite of marketing tools I have ever seen in my life.

By the way, there’s more…

I didn’t even mention some of my favorite benefits of GrooveFunnels.

As a member, I’ve also received a TON of community benefits.

I’ve been able to join their private Facebook group, connect with marketing experts inside, get help with all my problems, access private training within their own academy, ask questions through their helpdesk, and meet other like-minded entrepreneurs just like me to make the best use of these tools.

So, if you’re like me… Striving to grow your business, looking to learn more about marketing and getting to know some of the best in the industry at a more personal level, then you won’t want to miss out on this opportunity.

Sounds great, right?

But you might be asking… what’s the catch?

The catch is that GrooveFunnels is free, but for a limited time only.

GrooveFunnels is in its pre-launch phase, which means that many of the products have still yet to fully launch.

When they do, and as the products continue to get upgraded, GrooveFunnels may no longer be free anymore.

This means that now is the time to sign up for your free account, which would also qualify you for the additional software upgrades that they make as time goes on.

Awesome deal, right?

It’s called being at the right place, at the right time.

And that’s where we’re at right now 🙂

Don’t wait any longer, because I’m honestly not sure when this free offer is going to go away.

Do yourself a favor and sign up for your free GrooveFunnels account right now, and I will see you inside of the Facebook group.