December 3, 2013
by Bob Meyer, Editor of BarterNews
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From the desk of Bob Meyer...
�Partial Retirement� Is Growing Among Americans
A University of
Michigan study shows that more Americans are becoming
partial retirees, when close to retirement age, in that they
are taking up jobs that provide an income less than half the
maximum annual earnings they had over their working
was virtually non-existent for 60-62 years olds in 1960.
Today more than 15% of workers in this age group are
categorized as partially retired.
Alone: Demographics Are Changing
Here are some
statistics that reinforce the dramatic changes taking place
in our country. Today some 27% of U.S. households now
consist of a single person, higher than at any time in U.S.
history, and up from 17% in 1970.
Just 20% of
households are now comprised of a married couple with
children, compared with 40% just 40 years ago. And 61% of
�solo householders� in 2011 were previously married; this
group tends to be older. (There is also a racial component,
with the incidence of solo households higher among whites
The proportion of
Americans never married has doubled since 1960. The average
marrying age has also increased, to 28 for men and 27 for
women compared with 24 and 22 in 1970.
Here & There �
Brazil, credit has soared over the last five years. The
ratio of outstanding debt to gross domestic product jumped
to 56% from 32%. Not really surprising as credit cards in
Brazil have annual interest rates of 120%
breweries are booming in America. According to the Brewers
Association, a trade group, the number of U.S. craft-brewers
has skyrocketed from eight in 1980 to more than 2,400. Small
brewers now account for about 10% of the U.S. beer business
and provide 100,000 jobs.
world�s largest department store is Macy�s 11-story building
that occupies an entire block in New York�s herald Square.
On �Black Friday� 15,000 shoppers waited anxiously for the
doors to open to start their holiday shopping.
�Coin card� is making waves on the Internet by promising to
slim down consumers� fat wallets by replacing their credit
and debit cards with a single smartcard that can be used for
purchases. Before making a payment, users choose which card
they want to use by pressing a button on the Coin card.
colleges are presently drawing a record number of
international students. Last year saw 820,000 attending, and
the largest group came from China (236,000), nearly double
the number of students from India, the second-largest group.
USC (University of Southern California) is the most popular
with nearly 10,000 international students.
The University of Illinois-Urbana-Champaign had the
second-most international students with 9,800. Purdue
University�s main campus had 9,500 placing third, while New
York and Columbia universities ranked fourth and fifth in
the survey conducted by the New York nonprofit Institute of
International Education, in partnership with the U.S. State
hotel occupancy was 64.7% in October. The average daily rate
(ADR) at U.S. hotels in October increased year-over-year to
$113.48. The largest increases in ADRs were in Oahu (Hawaii)
� up 11.6% to $291.12; St. Louis � up 9.5% to $98.05; and
Houston � up 8.4% to $106.09.
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Quietly Draining Away � Implications Are Not Good
In 1972 when
the General Social Survey (funded by the National Science
Foundation), first asked the question, "Do you trust others?," half
of the respondents answered "Yes." Today only one-third of
Americans believe that most people can be trusted.
talking about the loss of faith in big institutions such as the
government, the church or Wall Street, which fluctuates with events.
brings good things to society, such as making it easier to
compromise or make a deal. With trust, people are willing to work
with those who are different from them for the common good. And
where trust appears it's also conducive to promoting economic
the other hand, seems to encourage corruption. At the least, it
diverts energy to counting change, drawing up 100-page legal
contracts and building gated communities.
For four decades now, trust in the other fellow - a gut-level
ingredient of democracy - has been quietly draining away.
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your barter company�s listing on BarterNews.com isn�t current, you
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(Part I of a two-part series)
with Your Job? Man Up and Create Your Own
You have a
respectable, steady job. You provide for your family. You do home
improvement projects on the weekends and even find the time to coach
your son's Little League team. But as you slog away at your 9-to-5
job and go through the motions of daily life, in your own mind, you
feel that true success is still eluding you. You tell yourself that
you should be grateful just to have a way to pay the bills
(especially in the wake of the Great Recession). Yet you can't quite
stifle that little voice that whispers, "there ought to be something
The truth is,
you want to be your own boss � and to own your own business. But,
you think the risks involved in becoming an entrepreneur are just
too great. After all, you can't gamble your current steady income,
your credit, and your family's comfort on a venture that may or may
claims Sean C. Castrina, is where you're wrong.
don't have to gamble any of those things in order to start your own
business," assures Castrina, author of 8 Unbreakable Rules for
Business Start-Up Success (www.newbizcoach.org).
"The solution is to become a part-time entrepreneur. And if you
follow a specific set of rules, there's less risk involved than you
from extensive experience. He has started over 15 companies in
industries including direct mail, home services, property management
and retail � the first while he was working a full-time job. He
emphasizes that you don't need an MBA or a college degree, to become
a successful entrepreneur.
at my group of poker buddies, many of whom are self-made
millionaires," he says. "Only a few made it past high school. One,
who was introduced to roofing as a teenager, now commands the field
and has a multimillion-dollar company reflecting his expertise. Two
others own specialty retail outlets, and are flourishing in spite of
superstore and online competitors. Another owns the area's most
popular restaurant, when so many other food establishments nearby
have gone belly-up."
So, what sets
Castrina and his poker buddies apart? "We all started with what we
believed was a good idea, deciding to take action on it," Castrina
answers. "We didn't wait for ideal conditions. For the most part, we
began building our companies in our free time while we still worked
for other bosses." And he promises, you can do the same.
Castrina, it's easier than ever to become a part-time entrepreneur.
With 20 hours a week (or less) of organized and focused time, you
can build a solid foundation for small-business success. Thanks to
internet-based tools, virtual secretaries and answering services,
you can reach and service many potential customers without ever
leaving your house. Plus, you have 24/7 access to educational tools
and the ability to instantly search for answers to a huge variety of
Money-Making Reports Available From BarterNews
If you're ready
to create a more rewarding experience than slaving away at a 9-to-5
job that offers little to no security, has disappointing retirement
savings and doesn't come close to paying for your children's college
tuition, then try Castrina's top-10 rules for being a part-time
Figure out your
already have a clearly defined vision for your business: You'd like
to use your background in accountancy to start your own tax service,
for instance. However, it's very possible that you have no idea
which field to go into. (Anything that allows me to be my own man!
you think.) In that case, Castrina recommends starting a service
business (anything from home cleaning to tutoring to adult care) for
the following reasons:
They require minimal money to start. "I've never started a service
business with more than $10k, and many with less than $3k �
including businesses that have made me millions," he comments.
Many service businesses don't require a prior work history in the
field or particular qualifications.
In most cases, they can't be outsourced or performed by computers so
you'll always have work.
Since you can hire others to perform the actual work while you
handle the key behind-the-scenes management tasks (like hiring,
supervising, taking client calls, marketing, etc.), service
businesses are a great source of passive income. "For instance, I
started a mobile car detailing business in my 20s," Castrina shares.
"I hired an employee to do the work, charged $95 for a full detail
inside and out, and gave my worker 50-percent. All I did was make
the phone ring and schedule the jobs. I didn't get rich, but I did
make an extra $25k a year. Not bad for three to five hours of work a
week during my down time."
has a great list of service businesses to start you thinking,"
Castrina shares. "Or you might also want to take a look at
www.newbizcoach.org for more resources."
sure you understand the rules before you start playing. Once you've
familiarized yourself with the possibilities and identified a few
types of businesses that might be needed in your area, try to poll
at least 50 people � to not only determine which services they would
use in the next six months, but also if they'd pay the price you
would charge. Their answers will give you a good idea of which field
you should go into.
pulling the trigger on your business, take time to research the
licenses, permits, and certifications you may need for the industry
you're entering. Then make sure that obtaining them won�t be
prohibitive," he adds. "You can usually find the information you
need at your local business tax office or by contacting your Chamber
of Commerce. And take it from the voice of experience: Start
filling out that paperwork early, as government bureaucracies can be
from anywhere other than your current job.
you'll be starting your new business from home � a place that's full
of distractions ranging from the television to your wife's
"honey-do" list. That's why setting up a dedicated workspace is
crucial for productivity. Depending on your home's layout and your
personal preferences, you might be able to use a spare bedroom, a
basement, a detached garage, or even a nook in the living room as
your office. And if you already have a dedicated man-cave, even
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I converted our dining room into an incredible home office,"
Castrina shares. "I was able to do this on a dime because the room
was already equipped with a large but seldom-used table. If you go
this route, you might want to add a file cabinet and swap the
chandelier for recessed or track lighting. As I found out, it's hard
to tap into your entrepreneur mojo when you're constantly ducking a
if you set up a home office, don't forget to capitalize on tax
deduction advantages," he adds. "For example, if you set aside a
separate room of your house in which to conduct your business and/or
store products, you may be able to take a home office deduction. You
can also write off transportation expenses to and from your home to
your business appointments and, in some cases, expenses related to
car maintenance and repair."
How To Get More Sales In
Our street-smart restaurant
marketing report shows proven ways to rapidly boost your
restaurant�s sales & profits.
The Growth and Use of Secondary
Capital (New Money) Creates Unprecedented Wealth In Today�s New Age
There are many forms of secondary
capital�which can be defined as any financial instrument that
measures and communicates value in a common language. Would you like
to see and learn more about the many forms of secondary capital?
We have 70 free, informative and
inspiring, articles for you in our �Secondary Capital Section.�
Check it out...
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