Are You Counting on Social Security?

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I got the inspiration to write this article, Are You Counting on Social Are You Counting on Social Security?Security? while watching our very contentious Election results here in the United States. A republican leader while celebrating the victory, was excited about the fact that one of their platforms, the privatizing of the Social Security Retirement Program; could once again be addressed.

As a senior citizen receiving social security benefits, I have many concerns about this.

Are You Counting on Social Security?

When I retired, my husband had a 6 figure income job. When the economy got shaky around 2008, he was relieved of his job and basically let go after many years of service. So, my husband too was forced to go on Social Security. Oh, we had some money saved and a pension plan but after awhile we had to dig into our savings just to make ends meet.

Many of you can relate I am sure of that!

I will address some concerns in this post as I am sure I am not the only one. Rumors have been floating around for a few years now about the solvency of Social Security and I tend to believe that there might be an element of truth to these rumors. My hope in writing this post is that I can also help others like myself looking for answers.

By the way, I am no expert regarding Social Security, I am like you; but I have been staying on top of the news and reading everything I can get my hands on. So, some of this information that I will share will be from my research and where ever possible I will indicate my sources so you can do your own due diligence. If you google Social Security you will find tons of information at your disposal.

So lets get started…….

First, A little History and background about Social Security

Franklin D. Roosevelt signed into law the Social Security Act on August 14, 1935. This program was intended to be like an insurance program. Workers would be able to protect each other and their families to provide income when the worker retired if they paid into the system.

So, we paid into this system. Our own monies were used to build this program. Are You Counting on Social Security?THIS IS OUR MONEY!

Did you know that Social Security is the largest government program in the world?

Did you know that since 2010 the Social Security trust fund has been paying out more benefits than what employees contribute in taxes and is said to run out of funds by 2034?

That is not too far away from now my friends. Yep you got it! Social Security running out of funds REALLY concerns me. And it SHOULD REALLY concern you too if you are counting on social security after retirement.

Many Americans Rely on Social Security for Income if Unable to Work.

Initially workers who reached 65 years of age and older were eligible to receive benefits upon retirement. Over time the program came to be known as the Old-Age Survivors, and Disability Insurance Program (OASDI). In 1939, additional benefits were made available for spouses and minor children of retired workers and also benefits were made available for the survivors of a worker who died before retirement.

On a personal note, this survivors benefit was paid to my grandson when his mom passed away at the tender age of 28. He was only 4 at the time of her passing. This money was needed to help my son raise his only child, as a single dad.

The disability benefit was added in 1956.  The minimum age for retirement benefits for women was lowered to 62 years of age. The men had to wait until 1961 to receive benefits at 62.

Here’s a little bit of bad news……I didn’t know this.

The Social Security Act entitles workers to receive benefits. However, these benefits are not guaranteed by law. The federal government legally can choose to not pay you what you paid into the system  over their working careers.

How does that make you feel? Remember earlier when I said I had concerns? Well, this is one of them……..The government can just take our monthly income that we paid into and is rightfully our money away and there isn’t anything you can do about it.

How will you pay your mortgage. food, bills etc. Are you filthy rich? I congratulate you. But, I am not….this would devastate me!

Are you counting on Social Security?Are You Counting on Social Security?

Well, No I am not!  At the end of this post I will share with you what I am doing to make sure I do have income in my retirement years that the federal  government can’t control. So, please stay with me and read to the end…. you will be glad you did! Click Here for a hint!

Should Social Security be Privatized?

I wasn’t sure if I should include this in my post but it too is related to one of my concerns. You see, one of the proposals being considered is privatizing Social Security. Which would allow workers to manage their own retirement funds..

Now, my understanding of this is that part of Social Security (government administered) would be handed over to the retirees to hand over to investment brokers who may or may not help grow the workers money. Do you see some pitfalls in this?

Politicians Proposing to Privatize Social Security

Politicians feel that workers should be given the freedom to invest their money the way they see fit. But in my humble opinion I don’t know about you, many seniors have no idea…..well lets, just say there are bunches of unscrupulous money managers that would love to get a hold of your money.

To be fair, I know that there pros and cons regarding this proposal and you should get more information than what I am providing. I researched over 5 independent sources to verify what I already knew which prompted me to share with my readers. Below is one that I used among others. It’s one of my go to sites to verify other articles.

Please go to

So you are damned if you do and damned if you don’t.

Are You Counting on Social Security?

Well I got some good news! It’s not all bad. The more than 60 million Social Security recipients  are getting a raise! Yippee!!!! It’s a cost of living raise. Don’t get too excited. It’s only expected to be around 0.03%.

That is the smallest Social Security increase on record! Don’t spend it all in one place. I know I am being sarcastic…….but come on.

Congress wants a raise because they can’t live on $174,000 a years.

However, we retirees are expected to live on between $750 per month to about $1800 a month on average. Some people live on less and some on more. – according to Social Security Administration.

I know that I presented a negative spin on what is happening with Social Security in The United States by asking Are You Counting on Social Security? I know that there are many people who have retired,Are You Counting on Retirement? like myself. living in other countries.  Yes, I live in Puerto Rico which is a United States possession, and for the time being all is well. But, what if that were to change? Would you be able to stay where you are or would you have to move back with your kids?

Would you like to know how I am preparing for my retirement? Please give yourself a wonderful gift that will change your life forever. Mine has. Please go here to learn more.

If you would like a FREE Starter Membership please click the green button – No Credit Card Needed!

Are You Counting on Social Security?

If you found any value in this article, please feel free to leave me a comment. Or if you have any questions, I will be happy to answer them and help you in any way I can. Thank you so much for stopping by. I really appreciate your visit!

Angela Zechinato

Are You Counting on Social Security?


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how to get traffic for your website

How to Get Traffic For Your Website

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 How to Get Traffic For Your Website will become one of your most important tasks if you want your online business to be successful. If you were to ask any online marketer what their biggest challenge is, the answer would be  How to Get Traffic For Your Websitedefinitely…..more traffic.

You see no matter how good your content and how terrific your website looks, if you don’t have customers or visitors, your website will disappear into oblivion.

But, I have fantastic news for you.

There are many ways to drive traffic to your site and that is what we are going to be looking at in today’s post.

Let’s be Social And Share Wow to Get Traffic For Your Website

Since I spend so much time on social sites, one of the first things I do after I write a new post is head over to my business page on Facebook. Using social media to promote your blog  is one of the best ways to get FREE traffic for your website. The ideal thing is to engage your friends on the threads and comments. Join in on conversations and let them get to know you. Be careful not to use this platform as a selling opportunity. It’s a major turnoff to most people. Some of my other favorite sites to post to are Twitter and Google+. And of course there is Pinterest and Instagram.

Using LinkedIn is another great way how to get traffic for your website. It’s the world’s largest professional social network. I think this site is underused by marketers. It is not just a place to find a new job. You will be amazed at the number of contacts you will make. You might also like to advertise on a site where you are seen by thousands of other marketers looking for what you have to offer. This platform has several websites you can access to promote your website. You can get a FREE Account here IBOtoolbox .

(Some of the above links are to my favorite social sites so please stop by and say hello).

How to Get Traffic For Your Website – Advertise of Course

How to Get Traffic For Your Website

If you have the money for paid advertising there are many excellent ways to attract visitors building your brand and getting your site in front of customers like paid social media advertising and display ads. Be sure to adjust advertising to meet your budget and your goals. Every thing has it’s pros and cons so consider each carefully before agreeing to spend your hard earned money on paid advertising.

Consider Guest Blogging

Before you get anxious and start sweating bullets, this is how to get traffic for your website and How to Get Traffic For Your Websitehelp build your presence and brand as a marketer, By guest blogging you will be able to link back to your site and get name recognition. Of course you  will need to submit quality content and meet certain standards.

Here is a related article I wrote about Blogging Your Way to Wealth – Earn Online Income.

I recently had someone leave a comment on one of my posts asking to guest blog for me. I was flattered that this person considered my site good enough that they wanted to contribute content for a link back to their site. So what I am saying is that guest blogging is mutually beneficial and also how to get traffic to your website.

Oh and by the way, this website is totally updated by me. I also provide all the content and do my own blogging. If you can think you can’t do this, you are wrong! I learned everything I know about this business from one of the best training platforms on the internet – Wealthy Affiliate. Check out my Wealthy Affiliate Review.

Optimizing Your Content For Search Engines

SEO is so critical to your website content and very valuable. You need to use competitive keywords. Reference external links as well as creating internal links. The search engines like that. SEO will help you get organic traffic. I prefer Yoast as it provides a checklist to help me optimize my content before I hit the publish button on my blog.

Hoeeew to Get Traffic For Your Website – With Email Marketing

Sometimes you need to take massive action to get faster results. That is where using email marketing can propel your business to the next level. Sending out an email blast to your own list of contact and friends is a good way to reach more people in less time. I have used email marketing to Safelists that have opted in to receive my emails.

Please do not SPAM. Only mail to those who are requesting your information and have opted in. Along these same lines there are paid email marketing services that offer paid Solo Ads. These ads go out to a select group.

I personally have not had much luck with safelists. But there are many marketers who swear by them and say that they bring results. So, please remember this is just a suggestion to help you get traffic for your website.

Click for Credits on Traffic Exchanges

I know……before you discount them, hear me out. I wouldn’t mention traffic exchanges if I didn’t think they worked. Remember you are trying to get free traffic for your site. You can spend a little time each day clicking for credits to show your site or you can buy credits and let it happen automatically. I have used them in the past and like that I can list my sites for free. There are many rather large traffic exchanges and also some smaller ones. Research and try out a few to see if these are for you and our business.

So, there you have a few ideas to help you learn how to get traffic for your website. I’m sure you can come up with a few ideas of your own. My best friend is Google and I love to research so I spend many hours discovering new ways to help build my online business.

Through my research is how I found my #1 Recommendation, nothing else like it on the net! I found it while doing reviews on programs that don’t work and to are nothing but SCAMS.

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How to Get Traffic For Your WebsiteIt has been my pleasure to provide these tips on how to get traffic for your website. Please stop by my comment section and leave me a hello or tell me how you generate traffic for your online business. I’d love to hear from you!

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Best Black Friday Deal Online at Wealthy Affiliate

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Here at Wealthy Affiliate we are celebrating the Best Black Friday Deal Online, in the history of Wealthy Affiliate! Kyle and Carson, the owners and creators of this amazing platform, have outdone themselves this year offering an unbelievable discount of 53% off the Regular monthly membership price. This is the lowest discount price since Wealthy Affiliate started 10 years ago!

Best Black Friday Deal Online

So, the day after Thanksgiving is the biggest shopping day of the year also known as Black Friday. This is celebrated in the US as well as the UK. People wake up at an ungodly hour to wait in lines and then to fight with others for reduced price items. Some people really go crazy!

Well guess what? You don’t have to do that with this sale. In fact, you can sleep in and when you are ready you can sit down comfortably at your computer with a nice cup of your favorite beverage. You can even stay in your pajamas. No need to fight for this Black Friday Deal.

Just be sure to log on November 27 at 10am PST – November 30, 2015 at 11:59pm PST before this sale is taken down. Who knows when you will get another chance like this one.

Don’t miss out on this exciting Special! Check out how this savings will look below.

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The Best Black Friday Deal Online starts November 27, 2015 at 10am PST and ends November 30th at 11:59 pm PST.

If you’ve been following my blogs, you are aware that Wealthy Affiliate is one of the highest rated Affiliate Training Platforms on the internet. You also know that you can turn any hobby or interest into a successful online business.

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You deserve it! I will see you on the other side to show you around this amazing community.

Can’t wait to welcome you!


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The Importance of Setting Goals For an Online Business

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The Importance of Setting Goals For an Online Business

Many  of us  know The Importance of The Importance of Goal Setting for an Setting Goals For an Online Business as well as for our personal lives. How are you at setting goals? Do you find yourself setting goals and falling short within a few weeks? No matter what, setting goals are an important part of starting and building a small online business.

But, unlike setting resolutions on New Year’s Eve and then breaking them. Not setting goals for something as serious as your online business, can mean the difference between financial success or failure,

No matter what goals you are working on, there is something about life that seems to  derail the best plans and it seems we have no control – or do we?

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Is Affiliate Marketing Right For College Students

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If you have never heard of Affiliate Marketing and it’s possible as a College Student that you haven’t, you might want to ask yourself, Is affiliate marketing right for college students and is it right for me? You will be excited to learn a few things you didn’t know. But, more importantly you will learn that it could be quite lucrative. In this post I will be discussing affiliate marketing and how it might benefit you in your college years and beyond.

Is Affiliate Marketing Right for College Students

College students do face many challenges when they leave the safety of home and the  parents. Up to this point parents have taken care of everything for them while they were in High School. There was no worrying about having money for food, our laundry was taken care of, and so was room and board.

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