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What to Do if You’re Short on Cash in Your Retirement
iQuanti: If you're like many people, you may have dreamed of retirement as a time when you can finally relax and enjoy your golden years. But the reality is that retirement can be a stressful time, especially if you're short on cash. Don't despair! There are plenty of things you can do to make ends meet, even if you're on a tight budget. Here are a few ideas to get you started:
1. Cut back on unnecessary expenses
One of the easiest ways to save money in retirement is to take a close look at your spending and cut back on unnecessary expenses. Do you really need that fancy coffee every day? Could you travel or eat out less often? Even small changes can make a big difference in your retirement budget.
2. Sell some of your stuff
Chances are, you may have a lot of stuff that you don't really need. Why not sell some of it to free up some extra cash? You can have a garage sale, sell items online, or even donate them to a thrift store.
3. Get a part-time job
Retirement doesn't mean you have to stop working altogether. If you need some extra money, consider getting a part-time job in retirement. There are plenty of jobs that are perfect for retirees, such as teaching, consulting, or working in a retail setting.
4. Make some home improvements
Making some simple home improvements can also help you save money in retirement. For example, you could weatherize your home to make it more energy-efficient. Or, you could install solar panels to reduce your electricity bills.
5. Get an unsecured line of credit
An unsecured line of credit can be a great way for retirees to get extra cash when they need it. You can use the money for anything you need, and you don't have to put up any collateral. Better yet, you can pay this loan back all at once or over time, and you'll only pay interest on the amount you borrow.
6. Downsize your home
If you're finding that your current home is too expensive to maintain, downsizing to a smaller home can be a great way to save money in retirement. Not only will you have lower monthly expenses, but you'll also have less stuff to take care of.
7. Live in a retirement community
Moving into a retirement community can be a great way to cut down on your living expenses. Retirement communities typically include amenities like meals, transportation, and activities, which can help you save money.
The bottom line
No matter what your retirement budget is, there are plenty of ways to make ends meet. By cutting back on unnecessary expenses, selling some of your stuff, and getting a part-time job, you can free up some extra cash. An unsecured line of credit can give you flexible access to funds so you can cover the expenses you need. And if you're really struggling, downsizing your home or moving into a retirement community can be a great way to save money in the long run.
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Keyonda Goosby
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Original Source: What to Do if You're Short on Cash in Your Retirement
Author Anton D. Morris’s New Audiobook ‘Exposed: Humanity Craves Power’ is a Thought-Provoking Tale...
PFLUGERVILLE, Texas - October 28, 2022 - (Newswire.com)
Anton D. Morris has completed his new audiobook "Exposed: Humanity Craves Power": a spellbinding and politically charged tale that weaves an intricate narrative centered around a secret underground society that runs the United States from behind the scenes.
"A presidential candidate and his wealthy, influential family must navigate scandal and politics when the public learns that he is a member of a secret society created by slave owners," writes Morris.
"Horus is the latest in a line of men in his family to join a secret society originally created by slave owners. Handpicked by the head of the society, Horus is now running for the Republican nomination for president. He has no political experience, but his family runs a successful management firm, so he comes to the job as a businessman with inherited wealth."
Published by Audiobook Network, author Anton D. Morris's new audiobook is a thrilling journey exploring the greed and corruption that works behind closed doors to keep powerful men and women who run the county in control of the masses. Raw and eye-opening, "Exposed: Humanity Craves Power" will dare listeners to question their own beliefs and stay with them long after its stunning conclusion.
Listeners can purchase the audiobook edition of "Exposed: Humanity Craves Power" by Anton D. Morris through Audible, the Apple iTunes store, or Amazon.
Audiobooks are the fastest-growing segment in the digital publishing industry. According to The Infinite Dial 2019, 50% of Americans age 12 and older have listened to an audiobook. This huge growth can be partly attributed to increased listening in cars, which surpassed the home as the #1 audiobook listening location in the 2019 survey. Smart speaker proliferation also bodes well for future listening growth and more mainstream listening.
Audiobook Network, Inc. (ABN) is a full-service audiobook publishing company that transforms authors' books or e-books to life through audio narration. ABN handles narration, production, audio editing, digital formatting, distribution, promotion, and royalty collections all under one roof. For additional information or media inquiries, contact Audiobook Network at 866-296-7774.
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Original Source: Author Anton D. Morris's New Audiobook 'Exposed: Humanity Craves Power' is a Thought-Provoking Tale That Explores How a Secret Society is Pulling the Strings in America
How to Host a Halloween Party on a Budget (And What to Do if...
iQuanti: Halloween is a time to be celebrating with light-hearted fun, not panicking over affordability. Luckily, there are plenty of options available for how to host a Halloween party on a budget, and we've rounded up a few for you. Plus, if you're looking for access to funds in order to make your party work, find some tips on where to find funds below.
Low-budget Halloween ideas
Throwing an epic Halloween bash doesn't need to break the bank. In fact, it can be as manageable and inexpensive as you want it to be. If you can rope in a few friends or family to help you creatively piece together your Halloween bash, you'll find it can be a lot cheaper than you imagined. Here are a few Halloween ideas to get you started!
Focus on the vibe
While over-the-top décor can be fun, it's also not necessary, especially if your party is adult-centered. Small things like lighting and good music can have way more of an impact than any signs or setups you can manage. To save on both cost and time, stick to the things you know your partygoers will appreciate most rather than getting caught up in throwaway décor.
Set a theme
If you're looking to make the atmosphere fun without putting in all of the effort alone, tell your invites that they need to dress according to the theme. You'll be able to create a sense of cohesiveness without having to worry about much more than yourself. Sure, you can just have a general theme, but why not tell everyone to come as their favorite singer or favorite color? This places some of the focus on attendees to set the mood rather than just you!
BYO/Potluck
A bring-you-own get-together will save you major headaches and cost when it comes time to plan. To help make sure you don't end up with twelve bags of chips and no drinks, consider having them mention what they'll bring when they RSVP. Even easier? Create an online spreadsheet that is updated in real-time when someone claims the beverage or food they're bringing.
What to do if you're low on cash
Sometimes, despite your best efforts, it can be difficult to afford even a low-budget get-together. In these cases, you may consider getting a quick loan from a direct lender. With these loans, you can access money to cover your party needs and repay the funds when you're able to, or according to the agreed-upon repayment schedule.
If you're struggling with credit, the process of accruing a loan may be more difficult, but it is by no means impossible. Although it may be tough to find no credit check loans from direct lenders, many lenders offer less strict credit score requirements if you have poor or fair credit.
The bottom line
When Oct. 31 rolls around, don't let party planning ruin the fun - or your wallet. With a little planning, creativity, and offloading some of the responsibility to family and friends, the day can remain stress-free and keep your wallet happy. And in the case that you want to go above and beyond but need a little extra cash, there are options available that may be perfect for your needs.
Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125
Carolina Darbelles
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Original Source: How to Host a Halloween Party on a Budget (And What to Do if You're Short on Cash)
Author William Bisbing’s New Audiobook ‘The Day Isn’t Over’ Follows Two Lovers Who, After...
HUDSON, Mich. - October 28, 2022 - (Newswire.com)
William Bisbing has completed his new audiobook "The Day Isn't Over": a stirring and heartwarming romance that follows two lovers in their twilight years that make a vow of commitment to enjoy the remaining time left on Earth with each other after an entire life's worth of difficulties and challenges.
"This is the story of a man and a woman who have made their respective plans to enter into their golden years after going through all of life's challenges, raising their families, wanting only to enjoy their retirement years with each other; filling those remaining years of their lives with travel, adventure, and grandchildren, along with making memories, only to discover their plans lost upon losing both 'loves of their lives,'" writes Bisbing.
"A surprise event in their lives opens the door to their wildest dreams, thus providing the book's title, 'The Day Isn't Over.' However, finding each other and living happily ever after proves to be harder the second time around and has become more difficult than the first, but they remain steadfast in their love for each other regardless of the newfound obstacles in their way, making the love they had discovered for each other's golden years shine brighter."
Published by Audiobook Network, author William Bisbing's new audiobook is a beautiful narrative that explores the many different forms that love can take in one's life, and how it can be renewed by others during one's golden years despite the unease and initial hesitation of both families. Bisbing takes readers on a powerful, character-driven journey of finding one's happiness no matter what others think that is sure to open one's eyes to the enduring power of love and how it can bend and change yet not break so easily.
Listeners can purchase the audiobook edition of "The Day Isn't Over" by William Bisbing through Audible, the Apple iTunes store, or Amazon.
Audiobook Network, Inc. (ABN) is a full-service audiobook publishing company that transforms authors' books or e-books to life through audio narration. ABN handles narration, production, audio editing, digital formatting, distribution, promotion, and royalty collections all under one roof. For additional information or media inquiries, contact Audiobook Network at 866-296-7774.
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Original Source: Author William Bisbing's New Audiobook 'The Day Isn't Over' Follows Two Lovers Who, After a Lifetime of Raising Their Own Families, Spend Their Final Years Together
Author Kara More’s New Audiobook ‘My Opinions Just Some Thoughts’ is a Thought-Provoking Overview...
NEW YORK - October 28, 2022 - (Newswire.com)
Kara More has completed her new audiobook "My Opinions Just Some Thoughts": a compelling read that reflects upon the author's thoughts surrounding important political and social topics that arise in modern society.
"I'm an opinionated person, and I like to analyze everything that happens. It might be the Irish in me to give opinions on just about everything because I've been this way since I can remember. This is why I've decided to write a book on current social and political issues," writes More. "Since I'm not a person who studies history, my opinions will be my own thoughts and conclusions with maybe a hint of history. Of course, everyone has their own opinions, and I respect the fact that their opinion may or may not agree with mine. But I have learned that I can always learn from reading or listening to others' opinions. That doesn't mean I'll change my opinion, but there are times that I have benefited from others' opinions. This open-minded way of thinking has given me a different way of thinking about a specific subject, but it doesn't change my values or my understanding of right and wrong. My opinion may not always be accurate or make sense to others. Hopefully, people will think about each opinion before they toss them aside. Maybe my opinion will encourage people to ask a friend or themselves what they think and may even create questions for a good debate, or even change a person's opinion. I'm hoping that people who read my opinions will not reject them because of their emotions, but rather, I hope that they think about what I've said and keep an open mind before they decide whether they accept or disagree with that opinion."
Published by Audiobook Network, author Kara More's new audiobook will help to spark conversation amongst listeners and encourage ongoing dialogue. By sharing her opinions, the author hopes listeners will find her thoughts witty and engaging, no matter if one agrees or not.
Listeners can purchase the audiobook edition of "My Opinions Just Some Thoughts" by Kara More through Audible, the Apple iTunes store, or Amazon.
Audiobook Network, Inc. (ABN) is a full-service audiobook publishing company that transforms authors' books or e-books to life through audio narration. ABN handles narration, production, audio editing, digital formatting, distribution, promotion, and royalty collections all under one roof. For additional information or media inquiries, contact Audiobook Network at 866-296-7774.
###
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Original Source: Author Kara More's New Audiobook 'My Opinions Just Some Thoughts' is a Thought-Provoking Overview of the Author's Opinions on a Variety of Political and Social Topics
Author Tommy Boland’s New Audiobook ‘Now What? Next Steps in Your Walk With Christ’...
DEERFIELD BEACH, Fla. - October 28, 2022 - (Newswire.com)
Tommy Boland, the founding pastor and current music and media director of Cross Community Church in Deerfield Beach, Florida, has completed his new audiobook "Now What? Next Steps in Your Walk with Christ": a thought-provoking exploration of Christian disciplines and how they can and must be reapplied in everyday life to remain consistent in one's understanding of Christ's plan for them.
"This book is not meant to be an exhaustive study on the disciplines of the Christian faith," writes Boland. "Every Christian duty can be shaped into a spiritual discipline. But after prayerful consideration and several presentations of—and subsequent revisions to—this program, I have identified a few of the major disciplines that have proven fruitful in my own life and in the lives of countless Christians I have discipled over the years. The consistent application of these disciplines will lead to living a life that truly matters—a life lived for the glory of God and the good of others."
Boland continues, "No matter how hard we work and how disciplined we try to become, apart from the life-giving oxygen of the grace of God, we work in our own strength, in our own way, for our own glory, and for our own good. If we do not rely on the sanctifying strength of our Savior as the foundation upon which all spiritual disciplines are built, those disciplines eventually become nothing more than the discouraging duties of doomed devotion. All that we do must be done in the light of knowing that we can do nothing of any significance or eternal value apart from the grace of God at work in our lives."
Published by Audiobook Network, author Tommy Boland's new audiobook contains a stirring collection of reflective questions and Scripture passages that invite listeners to take the time and meditate on their connection with God.
Listeners can purchase the audiobook edition of "Now What? Next Steps in Your Walk with Christ" by Tommy Boland through Audible, the Apple iTunes store, or Amazon.
Audiobook Network, Inc. (ABN) is a full-service audiobook publishing company that transforms authors' books or eBooks to life through audio narration. ABN handles, narration, production, audio editing, digital formatting, distribution, promotion, and royalty collections all under one roof. For additional information or media inquiries, contact Audiobook Network at 866-296-7774.
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866-296-7774
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Original Source: Author Tommy Boland's New Audiobook 'Now What? Next Steps in Your Walk With Christ' is a Powerful Tool for Those Seeking to Live as Christ Intends for Them
Author Mitchell Glatstein’s New Audiobook ‘Dialogues With My Dream Girl’ Explores One Man’s Deep...
ST. LOUIS - October 28, 2022 - (Newswire.com)
Mitchell Glatstein has completed his new audiobook "Dialogues with My Dream Girl": a stirring and heartfelt love letter devoted to the author's dream soulmate that takes the listeners on an incredible journey to understand romance and feelings of true love.
"'Dialogues with My Dream Girl' is a book of romance," writes Glatstein. "It is an adventure that the reader stumbles upon when picking up this book. You are immediately overwhelmed with feelings and desires that you will discover along the way. You will feel your thoughts and emotions reveal things to you that you have never experienced. The language used throughout this book will touch you. It will induce feelings in your heart and even as deep as your soul. This is the revival of romance in today's world."
Published by Audiobook Network, author Mitchell Glatstein's new audiobook is a collection of powerful emotions, many of which listeners may not have ever experienced. Through his writing, Glatstein shares a personal and intimate moment that is sure to capture the hearts of his listeners.
Listeners can purchase the audiobook edition of "Dialogues with My Dream Girl" by Mitchell Glatstein through Audible, the Apple iTunes store, or Amazon.
Audiobooks are the fastest-growing segment in the digital publishing industry. According to The Infinite Dial 2019, 50% of Americans age 12 and older have listened to an audiobook. This huge growth can be partly attributed to increased listening in cars, which surpassed the home as the #1 audiobook listening location in the 2019 survey. Smart speaker proliferation also bodes well for future listening growth and more mainstream listening.
Audiobook Network, Inc. (ABN) is a full-service audiobook publishing company that transforms authors' books or e-books to life through audio narration. ABN handles narration, production, audio editing, digital formatting, distribution, promotion, and royalty collections all under one roof. For additional information or media inquiries, contact Audiobook Network at 866-296-7774.
Contact Information:
Audiobook Network
Media Department
[email protected]
866-296-7774
Press Release Service by Newswire.com
Original Source: Author Mitchell Glatstein's New Audiobook 'Dialogues With My Dream Girl' Explores One Man's Deep Passion for His Beloved That Exists Only Within His Dreams
Author Brian Eckard’s new Audiobook ‘Wilderness of Unemployment’ is a powerful tool for one...
BONNEY LAKE, Wash. - October 28, 2022 - (Newswire.com)
Brian Eckard, who has spent 24 years as a technical writer and 10 years as a corporate trainer, has completed his new audiobook "Wilderness of Unemployment: A 30-Day Devotional for the Christian Job Hunter": an encouraging and thought-provoking guide for those in the job market to keep their relationship with God strong as they navigate the pitfalls and emotional hurdles involved in seeking new employment opportunities.
"For most people, a job is their livelihood and defines who they are," writes Eckard. "When they lose their job, they lose their identity along with a source of income. If they are unable to find work quickly, financial ruin looms on the horizon. The longer a person stays unemployed, chances are good that fear, division within family and friends, and depression will arise. If a person allows these feelings to fester, they grow and become unmanageable. As hopelessness sets in, it hinders God's ability to bless because the person is allowing his or her faith to crumble. In other words, unbelief acts as a brake that slows down and stops God's ability to help."
Eckard continues, "Fortunately, we have the victory in Christ because Jesus overcame the world (John 16:33, 1 John 5:4). Therefore, during your job hunt, stay connected to God. Make time to study His Word and apply what you learn. Always stay in constant prayer and talk to Him (1 Corinthians 14:15, Ephesians 6:18, Colossians 4:2, Jude 1:20). Learn to sit still, meditate on His Word, and allow God to speak to you. Listen for His still, soft voice, a whisper in this world of chaos and noise swirling around you like a never-ending storm. In God, there is peace and joy even in times of need and loss. Seek His kingdom first, and He will add everything else to you (Matthew 6:33)."
Published by Audiobook Network, author Brian Eckard's new audiobook is an intuitive read that brings scripture passages and prayer together to help listeners manage through the difficult and sometimes scary process of finding a new job. With God at one's side, anything can be possible no matter how daunting of a task it might be.
Listeners can purchase the audiobook edition of "Wilderness of Unemployment: A 30-Day Devotional for the Christian Job Hunter" by Brian Eckard through Audible, the Apple iTunes Store, or Amazon.
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Original Source: Author Brian Eckard's new Audiobook 'Wilderness of Unemployment' is a powerful tool for one to stay connected to God throughout their search for a job
Dijon D. Roberson’s New Book ‘Chronicles of a Mentally Controlled Heart’ is an Expressive...
Fulton Books author Dijon D. Roberson, a Brooklyn native and direct support professional assisting those with mental disabilities, has completed his most recent book "Chronicles of A Mentally Controlled Heart": a gripping and moving compilation of works written out of the need to heal after the passing of his father.
"I felt like no one was listening. I felt like I was in a world all by myself," says Roberson. "I couldn't sleep. I didn't want to be bothered with anyone or anything. I didn't want to go anywhere or participate in anything. I felt like only my heart could understand exactly how I felt. It just seemed like everything in life was falling apart. I was stuck in my own little shell. I had just lost my dad, whom my mother was married to for twenty-two years, at the time. My mother was slipping into a depression, along with my sister; as for me and my brother, we had to try to hold it down. It was hard, very hard. Although I'm not the oldest, I still felt like I had more responsibility than the rest. I didn't want to slip into depression, so I had to find a way for someone to listen to me as I speak. No one was there. I would stare. I found myself always being in a daze, and as I was in that daze, I'd heard a voice, my voice, and it began to speak to me."
Published by Fulton Books, Dijon D. Roberson's book compiles poems dealing with the heartbreak of losing a parent and the healing process afterwards. Roberson grew up in a very loving home in Brooklyn, New York. Despite the hardships of growing up in a one-bedroom apartment with his parents and two siblings, Roberson says his parents always made the best of it. Their relationship is a constant inspiration in his life.
Roberson says his upbringing allowed him to understand the true meaning of family and love. "I've always watched the amount of love my parents had for each other," he says. "It was never a dull moment." This love is clear within Roberson's earnest writing in "Chronicles of A Mentally Controlled Heart."
Readers who wish to experience this potent work can purchase "Chronicles of A Mentally Controlled Heart" at bookstores everywhere, or online at the Apple iTunes store, Amazon, Google Play, or Barnes & Noble.
Please direct all media inquiries to Author Support via email at [email protected] or via telephone at 877-210-0816.
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Original Source: Dijon D. Roberson's New Book 'Chronicles of a Mentally Controlled Heart' is an Expressive and Poignant Collection of Poetry Written in the Wake of Losing a Parent