A Phased Retirement

A survey by Ipsos-Reid for BMO Financial Group indicates that Canadians, aged 45 or older, no longer believe the banker's maxim that you need $1 million in retirement savings in order to have a "reasonable retirement," or that it's too late to start saving for retirement after age 50.

The major reason for these new feelings is that 58 per cent of Canadians nearing retirement age now expect to continue working, at least in a reduced capacity and most often out of the home, beyond the normal age of retirement.

What about the first of eight million Canadian baby boomers who, on January first, 2006, qualified for retirement? David Foot, University of Toronto professor of economics who has studied demographic trends in Canada and around the world says - "Some boomers want to retire early and securely with enough money to live well. Others want to continue working at interesting jobs, perhaps with more flexibility, moving toward what Foot calls "phased retirement," but without being sidelined because of age."

Other surveys have shown that baby boomers want to continue to have a creative retirement job because of the money, love of working, camaraderie, or fear of not working.

American demographer Cheryl Russell, who has been observing baby boomers for decades believes later boomers, those now entering middle age, may have to downscale when they retire, with big business sending jobs offshore, cutting salaries and pensions. Those boomers, she says, have the accoutrements of the upper-middle-class lifestyle but little real wealth.

The fact is that many of the above mentioned will be taking a long hard look at the possibility of building a home based business on the internet just as I did along with thousands of others. And like many of us, they will soon realize it 's vital your business is built on a solid foundation.

A Web site without traffic is pointless. SBI! makes it easy for you to build a professional, popular, and profitable business... a site that attracts a strong, endless stream of free, warm, willing-to-buy visitors - success guaranteed. No matter what you do (or want to do), it's for you if you want to do business instead of fighting technology and tedium.

For a retired guy who was computer clueless, Dr. Ken Evoy's SBI! is a just-follow-step-by-step procedure that handles all the techie stuff - Comprehensive Action Guide (how to get started with a web business plan) - Domain name - Site Hosting - Keyword Brainstorming - Point-and-click site design - Search Engine submission - Search Engine optimization - Pay-Per-Click research - E-newsletter publishing - Form-to-email (auto-responders etc) - Web mail (like Yahoo!) - HTML Editor Compatibility - Submit-Spider-List reports - Keyword search report - Keyword ranking reports - Directory ranking report - Pay-Per-Click rank reporting - Comprehensive traffic stats & click analysis - Comprehensive link tracking - Integrated Link Exchange program - Form builder - And the support of the SBI members, world-wide who are standing by to help you in the SBI forum - all you have to do is ask. (Go to URL)